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sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:413.48pt">These condensed consolidated half-year financial statements as at and for the period to 30 June </span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:470.17pt;position:var(--position);text-decoration:none;white-space:pre;width:21.55pt">2026</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:491.71999999999997pt;position:var(--position);text-decoration:none;white-space:pre;width:46.56pt"> have been</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.28pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:106.89pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:326.74pt">prepared in accordance with International Accounting Standard 34 (IAS 34), </span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:italic;font-weight:normal;left:383.43pt;position:var(--position);text-decoration:none;white-space:pre;width:114.75pt">Interim Financial Reporting</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:498.18pt;position:var(--position);text-decoration:none;white-space:pre;width:40.09pt"> as issued</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.27pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:119.49pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:366.02pt">by the International Accounting Standards Board (IASB) and comprise the results of </span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:422.71pt;position:var(--position);text-decoration:none;white-space:pre;width:115.55pt">Lloyds Bank plc (the Bank)</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.26pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:132.09pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:481.57pt">together with its subsidiaries (the Group). They do not include all of the information required for full annual</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.26pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:144.69pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:481.49pt">financial statements and should be read in conjunction with the Group’s consolidated financial statements as at</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.1800000000001pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:157.29pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:171.13pt">and for the year ended 31 December </span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:227.82pt;position:var(--position);text-decoration:none;white-space:pre;width:21.19pt">2025</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:249.01pt;position:var(--position);text-decoration:none;white-space:pre;width:289.17pt"> which were prepared in accordance with International Financial</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.1800000000001pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:169.89pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:271.16pt">Reporting Standards (IFRS) as issued by the IASB. Copies of the </span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:327.85pt;position:var(--position);text-decoration:none;white-space:pre;width:21.19pt">2025</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:349.04pt;position:var(--position);text-decoration:none;white-space:pre;width:189.17pt"> annual report on Form 20-F are available on</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.21pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:182.49pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:19.49pt">the </span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:76.17999999999999pt;position:var(--position);text-decoration:none;white-space:pre;width:70.8pt">Lloyds Banking </span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:146.98000000000002pt;position:var(--position);text-decoration:none;white-space:pre;width:73.31pt">Group’s website.</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:220.29pt;position:var(--position);text-decoration:none;white-space:pre;width:317.96pt"> Terminology used in these condensed consolidated half-year financial</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.25pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:195.09pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:228.34pt">statements is consistent with that used in the Group’s </span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:285.03pt;position:var(--position);text-decoration:none;white-space:pre;width:21.19pt">2025</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:306.22pt;position:var(--position);text-decoration:none;white-space:pre;width:120.82pt"> annual report on Form 20-F.</span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:215.69pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:481.55pt">The directors consider that it is appropriate to continue to adopt the going concern basis in preparing these</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.24pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:228.29pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:481.56pt">condensed consolidated half-year financial statements. In reaching this assessment, the directors have taken into</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.25pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:240.89pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:481.59pt">account the uncertainties affecting the UK economy and their potential effects upon the Group’s performance and</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.28pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:253.49pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:481.53pt">projected funding and capital position; the impact of further stress scenarios has also been considered. On this</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.22pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:266.09pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:481.53pt">basis, the directors are satisfied that the Group will maintain adequate levels of funding and capital for the</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.22pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:278.69pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:79.07pt">foreseeable future.</span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:299.29pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:481.54pt">The Group’s accounting policies are consistent with those applied by the Group in its financial statements for the</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.23pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:311.89pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:105.2pt">year ended 31 December </span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:161.89pt;position:var(--position);text-decoration:none;white-space:pre;width:21.19pt">2025</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:183.07999999999998pt;position:var(--position);text-decoration:none;white-space:pre;width:308.18pt"> and there have been no changes in the Group’s methods of computation.</span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:332.49pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:481.56pt">The IASB has issued its annual improvements and a number of amendments to the IFRS Accounting Standards</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.25pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:345.09pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:481.52pt">effective 1 January 2026, including Amendments to IFRS 9 Financial Instruments and Amendments to IFRS 7</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.21pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:357.69pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:481.52pt">Financial Instruments Disclosure. These improvements and amendments have not had a significant impact on the</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.21pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:370.29pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:28.78pt">Group.</span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);top:390.89pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:9pt;font-style:italic;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre">Future accounting developments</span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:404.69pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:481.5pt">There are a number of new accounting pronouncements issued by the IASB with an effective date of 1 January</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.19pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:417.29pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:481.6pt">2027, including IFRS 18 Presentation and Disclosure in Financial Statements which replaces IAS 1 Presentation of</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.29pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:429.89pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:481.59pt">Financial Statements. While many of the existing requirements of IAS 1 Presentation of Financial Statements are</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.28pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:442.49pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:481.53pt">retained, IFRS 18 Presentation and Disclosure in Financial Statements introduces additional disclosure obligations</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.22pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:455.09pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:481.51pt">in relation to the structure of the income statement, management-defined performance measures, and the</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.2pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:467.69pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:481.58pt">aggregation and disaggregation of financial information. IFRS 18 will have no impact on the Group’s net profit as it</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.27pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:480.29pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:481.53pt">impacts neither recognition nor measurement. The new standard will impact the presentation of the Group’s</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.22pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:492.89pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:481.52pt">results as it requires that operating, investing and financing activities are presented separately. There will also be a</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.21pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:505.49pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:481.47pt">change in the Group’s cash flow statement as IFRS 18 requires that the first line of the cash flow statement is</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.1600000000001pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:518.09pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:190.42pt">operating profit rather than profit before tax.</span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:538.69pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:481.53pt">IFRS 19 Subsidiaries without Public Accountability: Disclosures is being assessed and is not expected to have a</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.22pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:551.29pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:106.32pt">significant impact on the </span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:163.01pt;position:var(--position);text-decoration:none;white-space:pre;width:26.39pt">Group</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:189.4pt;position:var(--position);text-decoration:none;white-space:pre;width:2.39pt">.</span></div> <span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:9pt;font-style:italic;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre">Future accounting developments</span><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:404.69pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:481.5pt">There are a number of new accounting pronouncements issued by the IASB with an effective date of 1 January</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.19pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:417.29pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:481.6pt">2027, including IFRS 18 Presentation and Disclosure in Financial Statements which replaces IAS 1 Presentation of</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.29pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:429.89pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:481.59pt">Financial Statements. While many of the existing requirements of IAS 1 Presentation of Financial Statements are</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.28pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:442.49pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:481.53pt">retained, IFRS 18 Presentation and Disclosure in Financial Statements introduces additional disclosure obligations</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.22pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:455.09pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:481.51pt">in relation to the structure of the income statement, management-defined performance measures, and the</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.2pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:467.69pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:481.58pt">aggregation and disaggregation of financial information. IFRS 18 will have no impact on the Group’s net profit as it</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.27pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:480.29pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:481.53pt">impacts neither recognition nor measurement. The new standard will impact the presentation of the Group’s</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.22pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:492.89pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:481.52pt">results as it requires that operating, investing and financing activities are presented separately. There will also be a</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.21pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:505.49pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:481.47pt">change in the Group’s cash flow statement as IFRS 18 requires that the first line of the cash flow statement is</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.1600000000001pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:518.09pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:190.42pt">operating profit rather than profit before tax.</span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:538.69pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:481.53pt">IFRS 19 Subsidiaries without Public Accountability: Disclosures is being assessed and is not expected to have a</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.22pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:551.29pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:106.32pt">significant impact on the </span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:163.01pt;position:var(--position);text-decoration:none;white-space:pre;width:26.39pt">Group</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:189.4pt;position:var(--position);text-decoration:none;white-space:pre;width:2.39pt">.</span></div> <span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:9pt;font-style:normal;font-weight:bold;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre">Note 2: Critical accounting judgements and key sources of estimation uncertainty</span><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:94.29pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:481.57pt">The preparation of the Group’s financial statements in accordance with IFRS requires management to make</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.26pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:106.89pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:481.54pt">judgements, estimates and assumptions in applying the accounting policies that affect the reported amounts of</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.23pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:119.49pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:481.54pt">assets, liabilities, income and expenses. Due to the inherent uncertainty in making estimates, actual results</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.23pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:132.09pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:481.61pt">reported in future periods may be based upon amounts which differ from these estimates. Estimates, judgements</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.3pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:144.69pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:481.56pt">and assumptions are continually evaluated and are based on historical experience and other factors, including</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.25pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:157.29pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:481.59pt">expectations of future events that are believed to be reasonable under the circumstances. In preparing the</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.28pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:169.89pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:481.49pt">financial statements, the Group has considered the impact of climate-related risks on its financial position and</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.1800000000001pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:182.49pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:481.51pt">performance. While the effects of climate change represent a source of uncertainty, the Group does not consider</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.2pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:195.09pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:481.47pt">there to be a material impact on its judgements and estimates from the physical, transition and other climate-</span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:207.69pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:126.8pt">related risks in the short-term.</span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:228.29pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:481.6pt">The Group’s significant judgements, estimates and assumptions are unchanged compared to those disclosed in</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.29pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:240.89pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:96.71pt">note 3 of the Group’s </span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:153.39999999999998pt;position:var(--position);text-decoration:none;white-space:pre;width:21.19pt">2025</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:174.59pt;position:var(--position);text-decoration:none;white-space:pre;width:363.62pt"> financial statements. Further information on the critical accounting judgements and</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.21pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:253.49pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:415.69pt">key sources of estimation uncertainty for the allowance for expected credit losses is set out in note </span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:472.38pt;position:var(--position);text-decoration:none;white-space:pre;width:9.08pt">10</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:481.46pt;position:var(--position);text-decoration:none;white-space:pre;width:2.39pt">.</span></div> <span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:9pt;font-style:normal;font-weight:bold;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre">Note 3: Segmental analysis</span><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:292.89pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:481.49pt">The Group provides a wide range of banking and financial services in the UK and in certain locations overseas. The</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.1800000000001pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:305.49pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:481.49pt">Group Executive Committee (GEC) of the Lloyds Banking Group remains the chief operating decision maker, as</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.1800000000001pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:318.09pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:76.09pt">defined by IFRS 8 </span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:italic;font-weight:normal;left:132.78pt;position:var(--position);text-decoration:none;white-space:pre;width:88.24pt">Operating Segments,</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:221.02pt;position:var(--position);text-decoration:none;white-space:pre;width:61.77pt"> for the Group.</span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:338.69pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:481.46pt">There has been no change to the descriptions of the segments as provided in note 4 to the Group’s financial</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.15pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:351.29pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:185.61pt">statements for the year ended 31 December </span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:242.3pt;position:var(--position);text-decoration:none;white-space:pre;width:21.19pt">2025</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:263.49pt;position:var(--position);text-decoration:none;white-space:pre;width:2.39pt">.</span></div><div style="position:var(--position);text-align:justify;text-align-last:var(--justify);top:371.89pt;width:594.99pt"><div style="font-size:0pt;left:56.69pt;position:var(--position);width:481.5pt"><div><table style="border-collapse:collapse;display:inline-table;width:100%"><tbody><tr style="height:0"><td style="padding:0;width:264.75pt"></td><td style="padding:0;width:50.25pt"></td><td style="padding:0;width:5.25pt"></td><td style="padding:0;width:50.25pt"></td><td style="padding:0;width:5.25pt"></td><td style="padding:0;width:50.25pt"></td><td style="padding:0;width:5.25pt"></td><td style="padding:0;width:50.25pt"></td></tr><tr style="height:32.25pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);width:264.75pt"><div><div style="font-size:12pt;line-height:8pt;position:var(--position);top:22.75pt;width:264.75pt"><span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Half-year to 30 June </span><span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:79.94pt;position:var(--position);text-decoration:none;white-space:pre">2026</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:264.75pt;position:var(--position);width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:13.15pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:25.52pt;position:var(--position);text-decoration:none;white-space:pre">Retail</span></div><div style="line-height:8pt;position:var(--position);top:22.75pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:35.97pt;position:var(--position);text-decoration:none;white-space:pre">£m</span></div></div></div></td><td colspan="2" style="font-size:0;text-align:left;vertical-align:top"><div style="left:315pt;position:var(--position);width:55.5pt"><div><div style="line-height:8pt;position:var(--position);top:3.55pt;width:55.5pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:7.69pt;position:var(--position);text-decoration:none;white-space:pre">Commercial</span></div><div style="line-height:8pt;position:var(--position);top:13.15pt;width:55.5pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:22.98pt;position:var(--position);text-decoration:none;white-space:pre">Banking</span></div><div style="line-height:8pt;position:var(--position);top:22.75pt;width:55.5pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:41.22pt;position:var(--position);text-decoration:none;white-space:pre">£m</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:375.75pt;position:var(--position);width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:13.15pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:25.29pt;position:var(--position);text-decoration:none;white-space:pre">Other</span></div><div style="line-height:8pt;position:var(--position);top:22.75pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:35.97pt;position:var(--position);text-decoration:none;white-space:pre">£m</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:13.15pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:27.81pt;position:var(--position);text-decoration:none;white-space:pre">Total</span></div><div style="line-height:8pt;position:var(--position);top:22.75pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:35.97pt;position:var(--position);text-decoration:none;white-space:pre">£m</span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:44.25pt;width:264.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:264.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Net interest income</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:264.75pt;position:var(--position);top:44.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:24.3pt"></span></span><span style="left:26.93pt;position:var(--position)">5,138<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:320.25pt;position:var(--position);top:44.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:23.89pt"></span></span><span style="left:26.52pt;position:var(--position)">1,838<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:375.75pt;position:var(--position);top:44.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:30.84pt"></span></span><span style="left:33.47pt;position:var(--position)">149<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:44.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:25.27pt"></span></span><span style="left:27.9pt;position:var(--position)">7,125<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:56.25pt;width:264.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:264.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Other income</span></div></div></div></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:264.75pt;position:var(--position);top:56.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:23.21pt"></span></span><span style="left:25.84pt;position:var(--position)">1,408<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:320.25pt;position:var(--position);top:56.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:29.19pt"></span></span><span style="left:31.82pt;position:var(--position)">530<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:375.75pt;position:var(--position);top:56.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:30.02pt"></span></span><span style="left:32.65pt;position:var(--position)">782<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:56.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:22.95pt"></span></span><span style="left:25.58pt;position:var(--position)">2,720<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:68.25pt;width:264.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:264.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Total income</span></div></div></div></td><td style="border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:264.75pt;position:var(--position);top:68.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:21.87pt"></span></span><span style="left:24.5pt;position:var(--position)">6,546<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:320.25pt;position:var(--position);top:68.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:22.31pt"></span></span><span style="left:24.939999999999998pt;position:var(--position)">2,368<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:375.75pt;position:var(--position);top:68.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:31.25pt"></span></span><span style="left:33.88pt;position:var(--position)">931<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:68.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:21.81pt"></span></span><span style="left:24.439999999999998pt;position:var(--position)">9,845<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:80.25pt;width:264.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:264.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Operating expenses</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:264.75pt;position:var(--position);top:80.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:20.08pt"></span></span><span style="left:22.709999999999997pt;position:var(--position)">(3,762)</span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:320.25pt;position:var(--position);top:80.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:23.06pt"></span></span><span style="left:25.689999999999998pt;position:var(--position)">(1,139)</span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:375.75pt;position:var(--position);top:80.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:27.35pt"></span></span><span style="left:29.98pt;position:var(--position)">(776)</span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:80.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:20.46pt"></span></span><span style="left:23.09pt;position:var(--position)">(5,677)</span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:92.25pt;width:264.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:264.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Impairment charge</span></div></div></div></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:264.75pt;position:var(--position);top:92.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:26.57pt"></span></span><span style="left:29.2pt;position:var(--position)">(565)</span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:320.25pt;position:var(--position);top:92.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:31.45pt"></span></span><span style="left:34.08pt;position:var(--position)">(47)</span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:375.75pt;position:var(--position);top:92.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:39.84pt"></span></span><span style="left:42.470000000000006pt;position:var(--position)">–<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:92.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:28.39pt"></span></span><span style="left:31.02pt;position:var(--position)">(612)</span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:104.25pt;width:264.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:264.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Profit before tax</span></div></div></div></td><td style="border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:264.75pt;position:var(--position);top:104.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:24.62pt"></span></span><span style="left:27.25pt;position:var(--position)">2,219<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:320.25pt;position:var(--position);top:104.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:26.2pt"></span></span><span style="left:28.83pt;position:var(--position)">1,182<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:375.75pt;position:var(--position);top:104.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:31.68pt"></span></span><span style="left:34.31pt;position:var(--position)">155<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:104.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:22.63pt"></span></span><span style="left:25.259999999999998pt;position:var(--position)">3,556<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:128.25pt;width:264.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:264.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">External income (expense)</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:264.75pt;position:var(--position);top:128.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:22.88pt"></span></span><span style="left:25.509999999999998pt;position:var(--position)">8,337<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:320.25pt;position:var(--position);top:128.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:24.36pt"></span></span><span style="left:26.99pt;position:var(--position)">1,653<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:375.75pt;position:var(--position);top:128.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:28.16pt"></span></span><span style="left:30.79pt;position:var(--position)">(145)</span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:128.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:21.81pt"></span></span><span style="left:24.439999999999998pt;position:var(--position)">9,845<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:140.25pt;width:264.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:264.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Inter-segment (expense) income</span></div></div></div></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:264.75pt;position:var(--position);top:140.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:23.53pt"></span></span><span style="left:26.16pt;position:var(--position)">(1,791)</span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:320.25pt;position:var(--position);top:140.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:32.07pt"></span></span><span style="left:34.7pt;position:var(--position)">715<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:375.75pt;position:var(--position);top:140.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:24.15pt"></span></span><span style="left:26.779999999999998pt;position:var(--position)">1,076<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:140.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:39.84pt"></span></span><span style="left:42.470000000000006pt;position:var(--position)">–<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:152.25pt;width:264.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:264.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Segment income</span></div></div></div></td><td style="border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:264.75pt;position:var(--position);top:152.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:21.87pt"></span></span><span style="left:24.5pt;position:var(--position)">6,546<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:320.25pt;position:var(--position);top:152.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:22.31pt"></span></span><span style="left:24.939999999999998pt;position:var(--position)">2,368<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:375.75pt;position:var(--position);top:152.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:31.25pt"></span></span><span style="left:33.88pt;position:var(--position)">931<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:152.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:21.81pt"></span></span><span style="left:24.439999999999998pt;position:var(--position)">9,845<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td></tr></tbody></table></div></div></div><div style="position:var(--position);top:549.14pt;width:594.99pt"><div style="font-size:0pt;left:56.69pt;position:var(--position);width:481.5pt"><div><table style="border-collapse:collapse;display:inline-table;width:100%"><tbody><tr style="height:0"><td style="padding:0;width:264.75pt"></td><td style="padding:0;width:50.25pt"></td><td style="padding:0;width:5.25pt"></td><td style="padding:0;width:50.25pt"></td><td style="padding:0;width:5.25pt"></td><td style="padding:0;width:50.25pt"></td><td style="padding:0;width:5.25pt"></td><td style="padding:0;width:50.25pt"></td></tr><tr style="height:32.25pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);width:264.75pt"><div><div style="font-size:12pt;line-height:8pt;position:var(--position);top:22.75pt;width:264.75pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Half-year to 30 June </span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:79.52pt;position:var(--position);text-decoration:none;white-space:pre">2025</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:264.75pt;position:var(--position);width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:13.15pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:25.81pt;position:var(--position);text-decoration:none;white-space:pre">Retail</span></div><div style="line-height:8pt;position:var(--position);top:22.75pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:36.03pt;position:var(--position);text-decoration:none;white-space:pre">£m</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:320.25pt;position:var(--position);width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:3.55pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.69pt;position:var(--position);text-decoration:none;white-space:pre">Commercial</span></div><div style="line-height:8pt;position:var(--position);top:13.15pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:18.07pt;position:var(--position);text-decoration:none;white-space:pre">Banking</span></div><div style="line-height:8pt;position:var(--position);top:22.75pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:36.03pt;position:var(--position);text-decoration:none;white-space:pre">£m</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:375.75pt;position:var(--position);width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:13.15pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:25.46pt;position:var(--position);text-decoration:none;white-space:pre">Other</span></div><div style="line-height:8pt;position:var(--position);top:22.75pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:36.03pt;position:var(--position);text-decoration:none;white-space:pre">£m</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:13.15pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:28.04pt;position:var(--position);text-decoration:none;white-space:pre">Total</span></div><div style="line-height:8pt;position:var(--position);top:22.75pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:36.03pt;position:var(--position);text-decoration:none;white-space:pre">£m</span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:44.25pt;width:264.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:264.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Net interest income</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:264.75pt;position:var(--position);top:44.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:24.34pt"></span></span><span style="left:26.97pt;position:var(--position)">4,710<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:320.25pt;position:var(--position);top:44.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:24.77pt"></span></span><span style="left:27.4pt;position:var(--position)">1,623<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:375.75pt;position:var(--position);top:44.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:31.92pt"></span></span><span style="left:34.550000000000004pt;position:var(--position)">213<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:44.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:22.15pt"></span></span><span style="left:24.779999999999998pt;position:var(--position)">6,546<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:56.25pt;width:264.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:264.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Other income</span></div></div></div></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:264.75pt;position:var(--position);top:56.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:26.95pt"></span></span><span style="left:29.58pt;position:var(--position)">1,251<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:320.25pt;position:var(--position);top:56.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:29.13pt"></span></span><span style="left:31.759999999999998pt;position:var(--position)">544<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:375.75pt;position:var(--position);top:56.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:28.81pt"></span></span><span style="left:31.439999999999998pt;position:var(--position)">494<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:56.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:22.77pt"></span></span><span style="left:25.4pt;position:var(--position)">2,289<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:68.25pt;width:264.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:264.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Total income</span></div></div></div></td><td style="border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:264.75pt;position:var(--position);top:68.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:24.42pt"></span></span><span style="left:27.05pt;position:var(--position)">5,961<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:320.25pt;position:var(--position);top:68.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:25.27pt"></span></span><span style="left:27.9pt;position:var(--position)">2,167<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:375.75pt;position:var(--position);top:68.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:30.3pt"></span></span><span style="left:32.93pt;position:var(--position)">707<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:68.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:22.38pt"></span></span><span style="left:25.009999999999998pt;position:var(--position)">8,835<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:80.25pt;width:264.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:264.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Operating expenses</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:264.75pt;position:var(--position);top:80.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:22.44pt"></span></span><span style="left:25.07pt;position:var(--position)">(3,715)</span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:320.25pt;position:var(--position);top:80.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:23.56pt"></span></span><span style="left:26.189999999999998pt;position:var(--position)">(1,156)</span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:375.75pt;position:var(--position);top:80.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:26.76pt"></span></span><span style="left:29.39pt;position:var(--position)">(764)</span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:80.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:19.92pt"></span></span><span style="left:22.55pt;position:var(--position)">(5,635)</span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:92.25pt;width:264.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:264.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Impairment charge</span></div></div></div></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:264.75pt;position:var(--position);top:92.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:26.69pt"></span></span><span style="left:29.32pt;position:var(--position)">(342)</span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:320.25pt;position:var(--position);top:92.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:31.11pt"></span></span><span style="left:33.74pt;position:var(--position)">(99)</span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:375.75pt;position:var(--position);top:92.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:38.13pt"></span></span><span style="left:40.760000000000005pt;position:var(--position)">(1)</span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:92.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:26.28pt"></span></span><span style="left:28.91pt;position:var(--position)">(442)</span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:104.25pt;width:264.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:264.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Profit before tax</span></div></div></div></td><td style="border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:264.75pt;position:var(--position);top:104.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:23.6pt"></span></span><span style="left:26.23pt;position:var(--position)">1,904<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:320.25pt;position:var(--position);top:104.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:31.68pt"></span></span><span style="left:34.31pt;position:var(--position)">912<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:375.75pt;position:var(--position);top:104.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:31.34pt"></span></span><span style="left:33.97pt;position:var(--position)">(58)</span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:104.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:23.4pt"></span></span><span style="left:26.029999999999998pt;position:var(--position)">2,758<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:128.25pt;width:264.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:264.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">External income</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:264.75pt;position:var(--position);top:128.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:22.72pt"></span></span><span style="left:25.349999999999998pt;position:var(--position)">7,348<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:320.25pt;position:var(--position);top:128.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:26.27pt"></span></span><span style="left:28.9pt;position:var(--position)">1,431<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:375.75pt;position:var(--position);top:128.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:34.39pt"></span></span><span style="left:37.02pt;position:var(--position)">56<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:128.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:22.38pt"></span></span><span style="left:25.009999999999998pt;position:var(--position)">8,835<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:140.25pt;width:264.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:264.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Inter-segment (expense) income</span></div></div></div></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:264.75pt;position:var(--position);top:140.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:22.03pt"></span></span><span style="left:24.66pt;position:var(--position)">(1,387)</span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:320.25pt;position:var(--position);top:140.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:30.13pt"></span></span><span style="left:32.76pt;position:var(--position)">736<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:375.75pt;position:var(--position);top:140.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:31.57pt"></span></span><span style="left:34.2pt;position:var(--position)">651<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:140.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:39.91pt"></span></span><span style="left:42.54pt;position:var(--position)">–<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:152.25pt;width:264.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:264.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Segment income</span></div></div></div></td><td style="border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:264.75pt;position:var(--position);top:152.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:24.42pt"></span></span><span style="left:27.05pt;position:var(--position)">5,961<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:320.25pt;position:var(--position);top:152.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:25.27pt"></span></span><span style="left:27.9pt;position:var(--position)">2,167<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:375.75pt;position:var(--position);top:152.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:30.3pt"></span></span><span style="left:32.93pt;position:var(--position)">707<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:152.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:22.38pt"></span></span><span style="left:25.009999999999998pt;position:var(--position)">8,835<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td></tr></tbody></table></div></div></div><div style="font-size:12pt;line-height:9pt;position:var(--position);top:56.69pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:9pt;font-style:normal;font-weight:bold;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre">NOTES TO THE CONDENSED CONSOLIDATED HALF-YEAR FINANCIAL STATEMENTS (UNAUDITED)</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:485.73pt;position:var(--position);text-decoration:none;white-space:pre"> (continued)</span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);top:75.49pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:9pt;font-style:normal;font-weight:bold;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre">Note 3: Segmental analysis</span><span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:9pt;font-style:normal;font-weight:bold;left:171.8pt;position:var(--position);text-decoration:none;white-space:pre"> (continued)</span></div><div style="position:var(--position);top:94.29pt;width:594.99pt"><div style="font-size:0pt;left:56.69pt;position:var(--position);width:481.5pt"><div><table style="border-collapse:collapse;display:inline-table;width:100%"><tbody><tr style="height:0"><td style="padding:0;width:264.75pt"></td><td style="padding:0;width:50.25pt"></td><td style="padding:0;width:5.25pt"></td><td style="padding:0;width:50.25pt"></td><td style="padding:0;width:5.25pt"></td><td style="padding:0;width:50.25pt"></td><td style="padding:0;width:5.25pt"></td><td style="padding:0;width:50.25pt"></td></tr><tr style="height:32.25pt"><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:264.75pt;position:var(--position);width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:13.15pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:25.52pt;position:var(--position);text-decoration:none;white-space:pre">Retail</span></div><div style="line-height:8pt;position:var(--position);top:22.75pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:35.97pt;position:var(--position);text-decoration:none;white-space:pre">£m</span></div></div></div></td><td colspan="2" style="font-size:0;text-align:left;vertical-align:top"><div style="left:315pt;position:var(--position);width:55.5pt"><div><div style="line-height:8pt;position:var(--position);top:3.55pt;width:55.5pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:7.69pt;position:var(--position);text-decoration:none;white-space:pre">Commercial</span></div><div style="line-height:8pt;position:var(--position);top:13.15pt;width:55.5pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:22.98pt;position:var(--position);text-decoration:none;white-space:pre">Banking</span></div><div style="line-height:8pt;position:var(--position);top:22.75pt;width:55.5pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:41.22pt;position:var(--position);text-decoration:none;white-space:pre">£m</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:375.75pt;position:var(--position);width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:13.15pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:25.29pt;position:var(--position);text-decoration:none;white-space:pre">Other</span></div><div style="line-height:8pt;position:var(--position);top:22.75pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:35.97pt;position:var(--position);text-decoration:none;white-space:pre">£m</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:13.15pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:27.81pt;position:var(--position);text-decoration:none;white-space:pre">Total</span></div><div style="line-height:8pt;position:var(--position);top:22.75pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:35.97pt;position:var(--position);text-decoration:none;white-space:pre">£m</span></div></div></div></td></tr><tr style="height:15.75pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:32.25pt;width:264.75pt"><div><div style="font-size:12pt;line-height:8pt;position:var(--position);top:6.25pt;width:264.75pt"><span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">At 30 June </span><span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:43.99pt;position:var(--position);text-decoration:none;white-space:pre">2026</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td></tr><tr style="height:15.75pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:48pt;width:264.75pt"><div><div style="line-height:8pt;position:var(--position);top:6.25pt;width:264.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">External assets</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:264.75pt;position:var(--position);top:48pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:6.25pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:11.58pt"></span></span><span style="left:14.21pt;position:var(--position)">409,956<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:320.25pt;position:var(--position);top:48pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:6.25pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:16.23pt"></span></span><span style="left:18.86pt;position:var(--position)">89,608<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:375.75pt;position:var(--position);top:48pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:6.25pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:16.5pt"></span></span><span style="left:19.13pt;position:var(--position)">156,815<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:48pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:6.25pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:13.06pt"></span></span><span style="left:15.690000000000001pt;position:var(--position)">656,379<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td></tr><tr style="height:15.75pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:63.75pt;width:264.75pt"><div><div style="line-height:8pt;position:var(--position);top:6.25pt;width:264.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">External liabilities</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:264.75pt;position:var(--position);top:63.75pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:6.25pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:14.43pt"></span></span><span style="left:17.06pt;position:var(--position)">328,916<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:320.25pt;position:var(--position);top:63.75pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:6.25pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:13.85pt"></span></span><span style="left:16.48pt;position:var(--position)">149,389<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:375.75pt;position:var(--position);top:63.75pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:6.25pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:17.22pt"></span></span><span style="left:19.849999999999998pt;position:var(--position)">135,176<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:63.75pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:6.25pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:15.93pt"></span></span><span style="left:18.56pt;position:var(--position)">613,481<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td></tr><tr style="height:15.75pt"><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td></tr><tr style="height:15.75pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:95.25pt;width:264.75pt"><div><div style="font-size:12pt;line-height:8pt;position:var(--position);top:6.25pt;width:264.75pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">At 31 December </span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:63.64pt;position:var(--position);text-decoration:none;white-space:pre">2025</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td></tr><tr style="height:15.75pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:111pt;width:264.75pt"><div><div style="line-height:8pt;position:var(--position);top:6.25pt;width:264.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">External assets</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:264.75pt;position:var(--position);top:111pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:6.25pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:11.67pt"></span></span><span style="left:14.3pt;position:var(--position)">404,828<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:320.25pt;position:var(--position);top:111pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:6.25pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:18.76pt"></span></span><span style="left:21.39pt;position:var(--position)">83,410<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:375.75pt;position:var(--position);top:111pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:6.25pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:14.67pt"></span></span><span style="left:17.3pt;position:var(--position)">143,097<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:111pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:6.25pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:15.23pt"></span></span><span style="left:17.86pt;position:var(--position)">631,335<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td></tr><tr style="height:15.75pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:126.75pt;width:264.75pt"><div><div style="line-height:8pt;position:var(--position);top:6.25pt;width:264.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">External liabilities</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:264.75pt;position:var(--position);top:126.75pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:6.25pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:17.03pt"></span></span><span style="left:19.66pt;position:var(--position)">331,241<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:320.25pt;position:var(--position);top:126.75pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:6.25pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:14.35pt"></span></span><span style="left:16.98pt;position:var(--position)">143,244<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:375.75pt;position:var(--position);top:126.75pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:6.25pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:16.44pt"></span></span><span style="left:19.07pt;position:var(--position)">114,870<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:126.75pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:6.25pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:13.2pt"></span></span><span style="left:15.829999999999998pt;position:var(--position)">589,355<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td></tr></tbody></table></div></div></div> <div style="font-size:0pt;left:56.69pt;position:var(--position);width:481.5pt"><div><table style="border-collapse:collapse;display:inline-table;width:100%"><tbody><tr style="height:0"><td style="padding:0;width:264.75pt"></td><td style="padding:0;width:50.25pt"></td><td style="padding:0;width:5.25pt"></td><td style="padding:0;width:50.25pt"></td><td style="padding:0;width:5.25pt"></td><td style="padding:0;width:50.25pt"></td><td style="padding:0;width:5.25pt"></td><td style="padding:0;width:50.25pt"></td></tr><tr style="height:32.25pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);width:264.75pt"><div><div style="font-size:12pt;line-height:8pt;position:var(--position);top:22.75pt;width:264.75pt"><span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Half-year to 30 June </span><span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:79.94pt;position:var(--position);text-decoration:none;white-space:pre">2026</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:264.75pt;position:var(--position);width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:13.15pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:25.52pt;position:var(--position);text-decoration:none;white-space:pre">Retail</span></div><div style="line-height:8pt;position:var(--position);top:22.75pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:35.97pt;position:var(--position);text-decoration:none;white-space:pre">£m</span></div></div></div></td><td colspan="2" style="font-size:0;text-align:left;vertical-align:top"><div style="left:315pt;position:var(--position);width:55.5pt"><div><div style="line-height:8pt;position:var(--position);top:3.55pt;width:55.5pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:7.69pt;position:var(--position);text-decoration:none;white-space:pre">Commercial</span></div><div style="line-height:8pt;position:var(--position);top:13.15pt;width:55.5pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:22.98pt;position:var(--position);text-decoration:none;white-space:pre">Banking</span></div><div style="line-height:8pt;position:var(--position);top:22.75pt;width:55.5pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:41.22pt;position:var(--position);text-decoration:none;white-space:pre">£m</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:375.75pt;position:var(--position);width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:13.15pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:25.29pt;position:var(--position);text-decoration:none;white-space:pre">Other</span></div><div style="line-height:8pt;position:var(--position);top:22.75pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:35.97pt;position:var(--position);text-decoration:none;white-space:pre">£m</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:13.15pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:27.81pt;position:var(--position);text-decoration:none;white-space:pre">Total</span></div><div style="line-height:8pt;position:var(--position);top:22.75pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:35.97pt;position:var(--position);text-decoration:none;white-space:pre">£m</span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:44.25pt;width:264.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:264.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Net interest income</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:264.75pt;position:var(--position);top:44.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:24.3pt"></span></span><span style="left:26.93pt;position:var(--position)">5,138<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:320.25pt;position:var(--position);top:44.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:23.89pt"></span></span><span style="left:26.52pt;position:var(--position)">1,838<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:375.75pt;position:var(--position);top:44.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:30.84pt"></span></span><span style="left:33.47pt;position:var(--position)">149<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:44.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:25.27pt"></span></span><span style="left:27.9pt;position:var(--position)">7,125<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:56.25pt;width:264.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:264.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Other income</span></div></div></div></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:264.75pt;position:var(--position);top:56.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:23.21pt"></span></span><span style="left:25.84pt;position:var(--position)">1,408<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:320.25pt;position:var(--position);top:56.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:29.19pt"></span></span><span style="left:31.82pt;position:var(--position)">530<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:375.75pt;position:var(--position);top:56.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:30.02pt"></span></span><span style="left:32.65pt;position:var(--position)">782<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:56.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:22.95pt"></span></span><span style="left:25.58pt;position:var(--position)">2,720<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:68.25pt;width:264.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:264.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Total income</span></div></div></div></td><td style="border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:264.75pt;position:var(--position);top:68.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:21.87pt"></span></span><span style="left:24.5pt;position:var(--position)">6,546<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:320.25pt;position:var(--position);top:68.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:22.31pt"></span></span><span style="left:24.939999999999998pt;position:var(--position)">2,368<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:375.75pt;position:var(--position);top:68.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:31.25pt"></span></span><span style="left:33.88pt;position:var(--position)">931<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:68.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:21.81pt"></span></span><span style="left:24.439999999999998pt;position:var(--position)">9,845<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:80.25pt;width:264.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:264.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Operating expenses</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:264.75pt;position:var(--position);top:80.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:20.08pt"></span></span><span style="left:22.709999999999997pt;position:var(--position)">(3,762)</span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:320.25pt;position:var(--position);top:80.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:23.06pt"></span></span><span style="left:25.689999999999998pt;position:var(--position)">(1,139)</span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:375.75pt;position:var(--position);top:80.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:27.35pt"></span></span><span style="left:29.98pt;position:var(--position)">(776)</span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:80.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:20.46pt"></span></span><span style="left:23.09pt;position:var(--position)">(5,677)</span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:92.25pt;width:264.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:264.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Impairment charge</span></div></div></div></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:264.75pt;position:var(--position);top:92.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:26.57pt"></span></span><span style="left:29.2pt;position:var(--position)">(565)</span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:320.25pt;position:var(--position);top:92.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:31.45pt"></span></span><span style="left:34.08pt;position:var(--position)">(47)</span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:375.75pt;position:var(--position);top:92.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:39.84pt"></span></span><span style="left:42.470000000000006pt;position:var(--position)">–<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:92.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:28.39pt"></span></span><span style="left:31.02pt;position:var(--position)">(612)</span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:104.25pt;width:264.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:264.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Profit before tax</span></div></div></div></td><td style="border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:264.75pt;position:var(--position);top:104.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:24.62pt"></span></span><span style="left:27.25pt;position:var(--position)">2,219<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:320.25pt;position:var(--position);top:104.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:26.2pt"></span></span><span style="left:28.83pt;position:var(--position)">1,182<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:375.75pt;position:var(--position);top:104.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:31.68pt"></span></span><span style="left:34.31pt;position:var(--position)">155<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:104.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:22.63pt"></span></span><span style="left:25.259999999999998pt;position:var(--position)">3,556<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:128.25pt;width:264.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:264.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">External income (expense)</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:264.75pt;position:var(--position);top:128.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:22.88pt"></span></span><span style="left:25.509999999999998pt;position:var(--position)">8,337<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:320.25pt;position:var(--position);top:128.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:24.36pt"></span></span><span style="left:26.99pt;position:var(--position)">1,653<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:375.75pt;position:var(--position);top:128.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:28.16pt"></span></span><span style="left:30.79pt;position:var(--position)">(145)</span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:128.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:21.81pt"></span></span><span style="left:24.439999999999998pt;position:var(--position)">9,845<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:140.25pt;width:264.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:264.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Inter-segment (expense) income</span></div></div></div></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:264.75pt;position:var(--position);top:140.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:23.53pt"></span></span><span style="left:26.16pt;position:var(--position)">(1,791)</span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:320.25pt;position:var(--position);top:140.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:32.07pt"></span></span><span style="left:34.7pt;position:var(--position)">715<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:375.75pt;position:var(--position);top:140.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:24.15pt"></span></span><span style="left:26.779999999999998pt;position:var(--position)">1,076<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:140.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:39.84pt"></span></span><span style="left:42.470000000000006pt;position:var(--position)">–<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:152.25pt;width:264.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:264.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Segment income</span></div></div></div></td><td style="border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:264.75pt;position:var(--position);top:152.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:21.87pt"></span></span><span style="left:24.5pt;position:var(--position)">6,546<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:320.25pt;position:var(--position);top:152.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:22.31pt"></span></span><span style="left:24.939999999999998pt;position:var(--position)">2,368<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:375.75pt;position:var(--position);top:152.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:31.25pt"></span></span><span style="left:33.88pt;position:var(--position)">931<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:152.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:21.81pt"></span></span><span style="left:24.439999999999998pt;position:var(--position)">9,845<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td></tr></tbody></table></div></div><div style="position:var(--position);top:549.14pt;width:594.99pt"><div style="font-size:0pt;left:56.69pt;position:var(--position);width:481.5pt"><div><table style="border-collapse:collapse;display:inline-table;width:100%"><tbody><tr style="height:0"><td style="padding:0;width:264.75pt"></td><td style="padding:0;width:50.25pt"></td><td style="padding:0;width:5.25pt"></td><td style="padding:0;width:50.25pt"></td><td style="padding:0;width:5.25pt"></td><td style="padding:0;width:50.25pt"></td><td style="padding:0;width:5.25pt"></td><td style="padding:0;width:50.25pt"></td></tr><tr style="height:32.25pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);width:264.75pt"><div><div style="font-size:12pt;line-height:8pt;position:var(--position);top:22.75pt;width:264.75pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Half-year to 30 June </span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:79.52pt;position:var(--position);text-decoration:none;white-space:pre">2025</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:264.75pt;position:var(--position);width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:13.15pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:25.81pt;position:var(--position);text-decoration:none;white-space:pre">Retail</span></div><div style="line-height:8pt;position:var(--position);top:22.75pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:36.03pt;position:var(--position);text-decoration:none;white-space:pre">£m</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:320.25pt;position:var(--position);width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:3.55pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.69pt;position:var(--position);text-decoration:none;white-space:pre">Commercial</span></div><div style="line-height:8pt;position:var(--position);top:13.15pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:18.07pt;position:var(--position);text-decoration:none;white-space:pre">Banking</span></div><div style="line-height:8pt;position:var(--position);top:22.75pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:36.03pt;position:var(--position);text-decoration:none;white-space:pre">£m</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:375.75pt;position:var(--position);width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:13.15pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:25.46pt;position:var(--position);text-decoration:none;white-space:pre">Other</span></div><div style="line-height:8pt;position:var(--position);top:22.75pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:36.03pt;position:var(--position);text-decoration:none;white-space:pre">£m</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:13.15pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:28.04pt;position:var(--position);text-decoration:none;white-space:pre">Total</span></div><div style="line-height:8pt;position:var(--position);top:22.75pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:36.03pt;position:var(--position);text-decoration:none;white-space:pre">£m</span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:44.25pt;width:264.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:264.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Net interest income</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:264.75pt;position:var(--position);top:44.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:24.34pt"></span></span><span style="left:26.97pt;position:var(--position)">4,710<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:320.25pt;position:var(--position);top:44.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:24.77pt"></span></span><span style="left:27.4pt;position:var(--position)">1,623<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:375.75pt;position:var(--position);top:44.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:31.92pt"></span></span><span style="left:34.550000000000004pt;position:var(--position)">213<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:44.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:22.15pt"></span></span><span style="left:24.779999999999998pt;position:var(--position)">6,546<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:56.25pt;width:264.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:264.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Other income</span></div></div></div></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:264.75pt;position:var(--position);top:56.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:26.95pt"></span></span><span style="left:29.58pt;position:var(--position)">1,251<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:320.25pt;position:var(--position);top:56.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:29.13pt"></span></span><span style="left:31.759999999999998pt;position:var(--position)">544<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:375.75pt;position:var(--position);top:56.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:28.81pt"></span></span><span style="left:31.439999999999998pt;position:var(--position)">494<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:56.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:22.77pt"></span></span><span style="left:25.4pt;position:var(--position)">2,289<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:68.25pt;width:264.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:264.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Total income</span></div></div></div></td><td style="border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:264.75pt;position:var(--position);top:68.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:24.42pt"></span></span><span style="left:27.05pt;position:var(--position)">5,961<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:320.25pt;position:var(--position);top:68.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:25.27pt"></span></span><span style="left:27.9pt;position:var(--position)">2,167<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:375.75pt;position:var(--position);top:68.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:30.3pt"></span></span><span style="left:32.93pt;position:var(--position)">707<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:68.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:22.38pt"></span></span><span style="left:25.009999999999998pt;position:var(--position)">8,835<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:80.25pt;width:264.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:264.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Operating expenses</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:264.75pt;position:var(--position);top:80.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:22.44pt"></span></span><span style="left:25.07pt;position:var(--position)">(3,715)</span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:320.25pt;position:var(--position);top:80.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:23.56pt"></span></span><span style="left:26.189999999999998pt;position:var(--position)">(1,156)</span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:375.75pt;position:var(--position);top:80.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:26.76pt"></span></span><span style="left:29.39pt;position:var(--position)">(764)</span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:80.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:19.92pt"></span></span><span style="left:22.55pt;position:var(--position)">(5,635)</span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:92.25pt;width:264.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:264.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Impairment charge</span></div></div></div></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:264.75pt;position:var(--position);top:92.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:26.69pt"></span></span><span style="left:29.32pt;position:var(--position)">(342)</span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:320.25pt;position:var(--position);top:92.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:31.11pt"></span></span><span style="left:33.74pt;position:var(--position)">(99)</span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:375.75pt;position:var(--position);top:92.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:38.13pt"></span></span><span style="left:40.760000000000005pt;position:var(--position)">(1)</span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:92.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:26.28pt"></span></span><span style="left:28.91pt;position:var(--position)">(442)</span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:104.25pt;width:264.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:264.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Profit before tax</span></div></div></div></td><td style="border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:264.75pt;position:var(--position);top:104.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:23.6pt"></span></span><span style="left:26.23pt;position:var(--position)">1,904<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:320.25pt;position:var(--position);top:104.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:31.68pt"></span></span><span style="left:34.31pt;position:var(--position)">912<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:375.75pt;position:var(--position);top:104.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:31.34pt"></span></span><span style="left:33.97pt;position:var(--position)">(58)</span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:104.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:23.4pt"></span></span><span style="left:26.029999999999998pt;position:var(--position)">2,758<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:128.25pt;width:264.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:264.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">External income</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:264.75pt;position:var(--position);top:128.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:22.72pt"></span></span><span style="left:25.349999999999998pt;position:var(--position)">7,348<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:320.25pt;position:var(--position);top:128.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:26.27pt"></span></span><span style="left:28.9pt;position:var(--position)">1,431<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:375.75pt;position:var(--position);top:128.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:34.39pt"></span></span><span style="left:37.02pt;position:var(--position)">56<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:128.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:22.38pt"></span></span><span style="left:25.009999999999998pt;position:var(--position)">8,835<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:140.25pt;width:264.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:264.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Inter-segment (expense) income</span></div></div></div></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:264.75pt;position:var(--position);top:140.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:22.03pt"></span></span><span style="left:24.66pt;position:var(--position)">(1,387)</span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:320.25pt;position:var(--position);top:140.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:30.13pt"></span></span><span style="left:32.76pt;position:var(--position)">736<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:375.75pt;position:var(--position);top:140.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:31.57pt"></span></span><span style="left:34.2pt;position:var(--position)">651<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:140.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:39.91pt"></span></span><span style="left:42.54pt;position:var(--position)">–<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:152.25pt;width:264.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:264.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Segment income</span></div></div></div></td><td style="border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:264.75pt;position:var(--position);top:152.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:24.42pt"></span></span><span style="left:27.05pt;position:var(--position)">5,961<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:320.25pt;position:var(--position);top:152.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:25.27pt"></span></span><span style="left:27.9pt;position:var(--position)">2,167<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:375.75pt;position:var(--position);top:152.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:30.3pt"></span></span><span style="left:32.93pt;position:var(--position)">707<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:152.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:22.38pt"></span></span><span style="left:25.009999999999998pt;position:var(--position)">8,835<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td></tr></tbody></table></div></div></div><div style="font-size:0pt;left:56.69pt;position:var(--position);width:481.5pt"><div><table style="border-collapse:collapse;display:inline-table;width:100%"><tbody><tr style="height:0"><td style="padding:0;width:264.75pt"></td><td style="padding:0;width:50.25pt"></td><td style="padding:0;width:5.25pt"></td><td style="padding:0;width:50.25pt"></td><td style="padding:0;width:5.25pt"></td><td style="padding:0;width:50.25pt"></td><td style="padding:0;width:5.25pt"></td><td style="padding:0;width:50.25pt"></td></tr><tr style="height:32.25pt"><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:264.75pt;position:var(--position);width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:13.15pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:25.52pt;position:var(--position);text-decoration:none;white-space:pre">Retail</span></div><div style="line-height:8pt;position:var(--position);top:22.75pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:35.97pt;position:var(--position);text-decoration:none;white-space:pre">£m</span></div></div></div></td><td colspan="2" style="font-size:0;text-align:left;vertical-align:top"><div style="left:315pt;position:var(--position);width:55.5pt"><div><div style="line-height:8pt;position:var(--position);top:3.55pt;width:55.5pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:7.69pt;position:var(--position);text-decoration:none;white-space:pre">Commercial</span></div><div style="line-height:8pt;position:var(--position);top:13.15pt;width:55.5pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:22.98pt;position:var(--position);text-decoration:none;white-space:pre">Banking</span></div><div style="line-height:8pt;position:var(--position);top:22.75pt;width:55.5pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:41.22pt;position:var(--position);text-decoration:none;white-space:pre">£m</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:375.75pt;position:var(--position);width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:13.15pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:25.29pt;position:var(--position);text-decoration:none;white-space:pre">Other</span></div><div style="line-height:8pt;position:var(--position);top:22.75pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:35.97pt;position:var(--position);text-decoration:none;white-space:pre">£m</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:13.15pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:27.81pt;position:var(--position);text-decoration:none;white-space:pre">Total</span></div><div style="line-height:8pt;position:var(--position);top:22.75pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:35.97pt;position:var(--position);text-decoration:none;white-space:pre">£m</span></div></div></div></td></tr><tr style="height:15.75pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:32.25pt;width:264.75pt"><div><div style="font-size:12pt;line-height:8pt;position:var(--position);top:6.25pt;width:264.75pt"><span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">At 30 June </span><span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:43.99pt;position:var(--position);text-decoration:none;white-space:pre">2026</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td></tr><tr style="height:15.75pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:48pt;width:264.75pt"><div><div style="line-height:8pt;position:var(--position);top:6.25pt;width:264.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">External assets</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:264.75pt;position:var(--position);top:48pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:6.25pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:11.58pt"></span></span><span style="left:14.21pt;position:var(--position)">409,956<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:320.25pt;position:var(--position);top:48pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:6.25pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:16.23pt"></span></span><span style="left:18.86pt;position:var(--position)">89,608<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:375.75pt;position:var(--position);top:48pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:6.25pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:16.5pt"></span></span><span style="left:19.13pt;position:var(--position)">156,815<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:48pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:6.25pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:13.06pt"></span></span><span style="left:15.690000000000001pt;position:var(--position)">656,379<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td></tr><tr style="height:15.75pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:63.75pt;width:264.75pt"><div><div style="line-height:8pt;position:var(--position);top:6.25pt;width:264.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">External liabilities</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:264.75pt;position:var(--position);top:63.75pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:6.25pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:14.43pt"></span></span><span style="left:17.06pt;position:var(--position)">328,916<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:320.25pt;position:var(--position);top:63.75pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:6.25pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:13.85pt"></span></span><span style="left:16.48pt;position:var(--position)">149,389<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:375.75pt;position:var(--position);top:63.75pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:6.25pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:17.22pt"></span></span><span style="left:19.849999999999998pt;position:var(--position)">135,176<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:63.75pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:6.25pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:15.93pt"></span></span><span style="left:18.56pt;position:var(--position)">613,481<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td></tr><tr style="height:15.75pt"><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td></tr><tr style="height:15.75pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:95.25pt;width:264.75pt"><div><div style="font-size:12pt;line-height:8pt;position:var(--position);top:6.25pt;width:264.75pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">At 31 December </span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:63.64pt;position:var(--position);text-decoration:none;white-space:pre">2025</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td></tr><tr style="height:15.75pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:111pt;width:264.75pt"><div><div style="line-height:8pt;position:var(--position);top:6.25pt;width:264.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">External assets</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:264.75pt;position:var(--position);top:111pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:6.25pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:11.67pt"></span></span><span style="left:14.3pt;position:var(--position)">404,828<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:320.25pt;position:var(--position);top:111pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:6.25pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:18.76pt"></span></span><span style="left:21.39pt;position:var(--position)">83,410<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:375.75pt;position:var(--position);top:111pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:6.25pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:14.67pt"></span></span><span style="left:17.3pt;position:var(--position)">143,097<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:111pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:6.25pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:15.23pt"></span></span><span style="left:17.86pt;position:var(--position)">631,335<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td></tr><tr style="height:15.75pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:126.75pt;width:264.75pt"><div><div style="line-height:8pt;position:var(--position);top:6.25pt;width:264.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">External liabilities</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:264.75pt;position:var(--position);top:126.75pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:6.25pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:17.03pt"></span></span><span style="left:19.66pt;position:var(--position)">331,241<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:320.25pt;position:var(--position);top:126.75pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:6.25pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:14.35pt"></span></span><span style="left:16.98pt;position:var(--position)">143,244<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:375.75pt;position:var(--position);top:126.75pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:6.25pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:16.44pt"></span></span><span style="left:19.07pt;position:var(--position)">114,870<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:126.75pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:6.25pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:13.2pt"></span></span><span style="left:15.829999999999998pt;position:var(--position)">589,355<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td></tr></tbody></table></div></div> 5138000000 1838000000 149000000 7125000000 1408000000 530000000 782000000 2720000000 6546000000 2368000000 931000000 9845000000 3762000000 1139000000 776000000 5677000000 565000000 47000000 0 612000000 2219000000 1182000000 155000000 3556000000 8337000000 1653000000 -145000000 9845000000 -1791000000 715000000 1076000000 0 6546000000 2368000000 931000000 9845000000 4710000000 1623000000 213000000 6546000000 1251000000 544000000 494000000 2289000000 5961000000 2167000000 707000000 8835000000 3715000000 1156000000 764000000 5635000000 342000000 99000000 1000000 442000000 1904000000 912000000 -58000000 2758000000 7348000000 1431000000 56000000 8835000000 -1387000000 736000000 651000000 0 5961000000 2167000000 707000000 8835000000 409956000000 89608000000 156815000000 656379000000 328916000000 149389000000 135176000000 613481000000 404828000000 83410000000 143097000000 631335000000 331241000000 143244000000 114870000000 589355000000 <span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:9pt;font-style:normal;font-weight:bold;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre">Note 4: Net fee and commission income</span><div style="position:var(--position);top:268.59pt;width:594.99pt"><div style="font-size:0pt;left:56.69pt;position:var(--position);width:481.5pt"><div><table style="border-collapse:collapse;display:inline-table;width:100%"><tbody><tr style="height:0"><td style="padding:0;width:376.5pt"></td><td style="padding:0;width:50.25pt"></td><td style="padding:0;width:5.25pt"></td><td style="padding:0;width:49.5pt"></td></tr><tr style="height:41.25pt"><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:376.5pt;position:var(--position);width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.95pt;width:50.25pt"><span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:12.93pt;position:var(--position);text-decoration:none;white-space:pre">Half-year</span></div><div style="line-height:8pt;position:var(--position);top:12.55pt;width:50.25pt"><span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:13.44pt;position:var(--position);text-decoration:none;white-space:pre">to 30 Jun</span></div><div style="font-size:12pt;line-height:8pt;position:var(--position);top:22.15pt;width:50.25pt"><span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:28.25pt;position:var(--position);text-decoration:none;white-space:pre">2026</span></div><div style="line-height:8pt;position:var(--position);top:31.75pt;width:50.25pt"><span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:35.97pt;position:var(--position);text-decoration:none;white-space:pre">£m</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:432pt;position:var(--position);width:49.5pt"><div><div style="line-height:8pt;position:var(--position);top:2.95pt;width:49.5pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:12.46pt;position:var(--position);text-decoration:none;white-space:pre">Half-year</span></div><div style="line-height:8pt;position:var(--position);top:12.55pt;width:49.5pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:12.91pt;position:var(--position);text-decoration:none;white-space:pre">to 30 Jun</span></div><div style="font-size:12pt;line-height:8pt;position:var(--position);top:22.15pt;width:49.5pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:28.04pt;position:var(--position);text-decoration:none;white-space:pre">2025</span></div><div style="line-height:8pt;position:var(--position);top:31.75pt;width:49.5pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:35.28pt;position:var(--position);text-decoration:none;white-space:pre">£m</span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:53.25pt;width:376.5pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:376.5pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Fee and commission income:</span></div></div></div></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td></tr><tr style="height:12pt"><td style="border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:65.25pt;width:376.5pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:376.5pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:8.3pt;position:var(--position);text-decoration:none;white-space:pre">Current accounts</span></div></div></div></td><td style="border-left:0.5pt solid #000;border-right:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:376.5pt;position:var(--position);top:65.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:29.96pt"></span></span><span style="left:32.59pt;position:var(--position)">352<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="border-left:0.5pt solid #000;border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-left:0.5pt solid #000;border-right:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:432pt;position:var(--position);top:65.25pt;width:49.5pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:49.5pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:28.14pt"></span></span><span style="left:30.77pt;position:var(--position)">340<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:77.25pt;width:376.5pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:376.5pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:8.3pt;position:var(--position);text-decoration:none;white-space:pre">Credit and debit card fees</span></div></div></div></td><td style="border-left:0.5pt solid #000;border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:376.5pt;position:var(--position);top:77.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:28.78pt"></span></span><span style="left:31.41pt;position:var(--position)">688<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="border-left:0.5pt solid #000;border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-left:0.5pt solid #000;border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:432pt;position:var(--position);top:77.25pt;width:49.5pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:49.5pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:28.47pt"></span></span><span style="left:31.099999999999998pt;position:var(--position)">634<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:89.25pt;width:376.5pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:376.5pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:8.3pt;position:var(--position);text-decoration:none;white-space:pre">Commercial banking and treasury fees</span></div></div></div></td><td style="border-left:0.5pt solid #000;border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:376.5pt;position:var(--position);top:89.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:33.41pt"></span></span><span style="left:36.04pt;position:var(--position)">151<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="border-left:0.5pt solid #000;border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-left:0.5pt solid #000;border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:432pt;position:var(--position);top:89.25pt;width:49.5pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:49.5pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:33.15pt"></span></span><span style="left:35.78pt;position:var(--position)">94<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:101.25pt;width:376.5pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:376.5pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:8.3pt;position:var(--position);text-decoration:none;white-space:pre">Factoring</span></div></div></div></td><td style="border-left:0.5pt solid #000;border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:376.5pt;position:var(--position);top:101.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:35.06pt"></span></span><span style="left:37.690000000000005pt;position:var(--position)">27<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="border-left:0.5pt solid #000;border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-left:0.5pt solid #000;border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:432pt;position:var(--position);top:101.25pt;width:49.5pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:49.5pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:33.39pt"></span></span><span style="left:36.02pt;position:var(--position)">34<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:113.25pt;width:376.5pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:376.5pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:8.3pt;position:var(--position);text-decoration:none;white-space:pre">Other fees and commissions</span></div></div></div></td><td style="border-bottom:0.5pt solid #000;border-left:0.5pt solid #000;border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:376.5pt;position:var(--position);top:113.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:33.82pt"></span></span><span style="left:36.45pt;position:var(--position)">98<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="border-left:0.5pt solid #000;border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;border-left:0.5pt solid #000;border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:432pt;position:var(--position);top:113.25pt;width:49.5pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:49.5pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:29.84pt"></span></span><span style="left:32.47pt;position:var(--position)">100<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:125.25pt;width:376.5pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:376.5pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Total fee and commission income</span></div></div></div></td><td style="border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:376.5pt;position:var(--position);top:125.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:26.09pt"></span></span><span style="left:28.72pt;position:var(--position)">1,316<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:432pt;position:var(--position);top:125.25pt;width:49.5pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:49.5pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:23.88pt"></span></span><span style="left:26.509999999999998pt;position:var(--position)">1,202<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:137.25pt;width:376.5pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:376.5pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Fee and commission expense</span></div></div></div></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:376.5pt;position:var(--position);top:137.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:25.75pt"></span></span><span style="left:28.38pt;position:var(--position)">(688)</span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:432pt;position:var(--position);top:137.25pt;width:49.5pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:49.5pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:26.5pt"></span></span><span style="left:29.13pt;position:var(--position)">(597)</span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:149.25pt;width:376.5pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:376.5pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Net fee and commission income</span></div></div></div></td><td style="border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:376.5pt;position:var(--position);top:149.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:29.28pt"></span></span><span style="left:31.91pt;position:var(--position)">628<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:432pt;position:var(--position);top:149.25pt;width:49.5pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:49.5pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:28.39pt"></span></span><span style="left:31.02pt;position:var(--position)">605<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td></tr></tbody></table></div></div></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:442.84pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:481.53pt">Current account and credit and debit card fees principally arise in Retail; commercial banking and treasury fees</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.22pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:455.44pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:142.94pt">and factoring arise in Commercial </span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:199.63pt;position:var(--position);text-decoration:none;white-space:pre;width:33.25pt">Banking</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:232.88pt;position:var(--position);text-decoration:none;white-space:pre;width:2.39pt">.</span></div> <div style="font-size:0pt;left:56.69pt;position:var(--position);width:481.5pt"><div><table style="border-collapse:collapse;display:inline-table;width:100%"><tbody><tr style="height:0"><td style="padding:0;width:376.5pt"></td><td style="padding:0;width:50.25pt"></td><td style="padding:0;width:5.25pt"></td><td style="padding:0;width:49.5pt"></td></tr><tr style="height:41.25pt"><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:376.5pt;position:var(--position);width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.95pt;width:50.25pt"><span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:12.93pt;position:var(--position);text-decoration:none;white-space:pre">Half-year</span></div><div style="line-height:8pt;position:var(--position);top:12.55pt;width:50.25pt"><span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:13.44pt;position:var(--position);text-decoration:none;white-space:pre">to 30 Jun</span></div><div style="font-size:12pt;line-height:8pt;position:var(--position);top:22.15pt;width:50.25pt"><span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:28.25pt;position:var(--position);text-decoration:none;white-space:pre">2026</span></div><div style="line-height:8pt;position:var(--position);top:31.75pt;width:50.25pt"><span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:35.97pt;position:var(--position);text-decoration:none;white-space:pre">£m</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:432pt;position:var(--position);width:49.5pt"><div><div style="line-height:8pt;position:var(--position);top:2.95pt;width:49.5pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:12.46pt;position:var(--position);text-decoration:none;white-space:pre">Half-year</span></div><div style="line-height:8pt;position:var(--position);top:12.55pt;width:49.5pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:12.91pt;position:var(--position);text-decoration:none;white-space:pre">to 30 Jun</span></div><div style="font-size:12pt;line-height:8pt;position:var(--position);top:22.15pt;width:49.5pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:28.04pt;position:var(--position);text-decoration:none;white-space:pre">2025</span></div><div style="line-height:8pt;position:var(--position);top:31.75pt;width:49.5pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:35.28pt;position:var(--position);text-decoration:none;white-space:pre">£m</span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:53.25pt;width:376.5pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:376.5pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Fee and commission income:</span></div></div></div></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td></tr><tr style="height:12pt"><td style="border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:65.25pt;width:376.5pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:376.5pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:8.3pt;position:var(--position);text-decoration:none;white-space:pre">Current accounts</span></div></div></div></td><td style="border-left:0.5pt solid #000;border-right:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:376.5pt;position:var(--position);top:65.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:29.96pt"></span></span><span style="left:32.59pt;position:var(--position)">352<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="border-left:0.5pt solid #000;border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-left:0.5pt solid #000;border-right:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:432pt;position:var(--position);top:65.25pt;width:49.5pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:49.5pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:28.14pt"></span></span><span style="left:30.77pt;position:var(--position)">340<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:77.25pt;width:376.5pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:376.5pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:8.3pt;position:var(--position);text-decoration:none;white-space:pre">Credit and debit card fees</span></div></div></div></td><td style="border-left:0.5pt solid #000;border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:376.5pt;position:var(--position);top:77.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:28.78pt"></span></span><span style="left:31.41pt;position:var(--position)">688<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="border-left:0.5pt solid #000;border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-left:0.5pt solid #000;border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:432pt;position:var(--position);top:77.25pt;width:49.5pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:49.5pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:28.47pt"></span></span><span style="left:31.099999999999998pt;position:var(--position)">634<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:89.25pt;width:376.5pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:376.5pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:8.3pt;position:var(--position);text-decoration:none;white-space:pre">Commercial banking and treasury fees</span></div></div></div></td><td style="border-left:0.5pt solid #000;border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:376.5pt;position:var(--position);top:89.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:33.41pt"></span></span><span style="left:36.04pt;position:var(--position)">151<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="border-left:0.5pt solid #000;border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-left:0.5pt solid #000;border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:432pt;position:var(--position);top:89.25pt;width:49.5pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:49.5pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:33.15pt"></span></span><span style="left:35.78pt;position:var(--position)">94<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:101.25pt;width:376.5pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:376.5pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:8.3pt;position:var(--position);text-decoration:none;white-space:pre">Factoring</span></div></div></div></td><td style="border-left:0.5pt solid #000;border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:376.5pt;position:var(--position);top:101.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:35.06pt"></span></span><span style="left:37.690000000000005pt;position:var(--position)">27<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="border-left:0.5pt solid #000;border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-left:0.5pt solid #000;border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:432pt;position:var(--position);top:101.25pt;width:49.5pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:49.5pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:33.39pt"></span></span><span style="left:36.02pt;position:var(--position)">34<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:113.25pt;width:376.5pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:376.5pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:8.3pt;position:var(--position);text-decoration:none;white-space:pre">Other fees and commissions</span></div></div></div></td><td style="border-bottom:0.5pt solid #000;border-left:0.5pt solid #000;border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:376.5pt;position:var(--position);top:113.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:33.82pt"></span></span><span style="left:36.45pt;position:var(--position)">98<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="border-left:0.5pt solid #000;border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;border-left:0.5pt solid #000;border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:432pt;position:var(--position);top:113.25pt;width:49.5pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:49.5pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:29.84pt"></span></span><span style="left:32.47pt;position:var(--position)">100<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:125.25pt;width:376.5pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:376.5pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Total fee and commission income</span></div></div></div></td><td style="border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:376.5pt;position:var(--position);top:125.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:26.09pt"></span></span><span style="left:28.72pt;position:var(--position)">1,316<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:432pt;position:var(--position);top:125.25pt;width:49.5pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:49.5pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:23.88pt"></span></span><span style="left:26.509999999999998pt;position:var(--position)">1,202<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:137.25pt;width:376.5pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:376.5pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Fee and commission expense</span></div></div></div></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:376.5pt;position:var(--position);top:137.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:25.75pt"></span></span><span style="left:28.38pt;position:var(--position)">(688)</span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:432pt;position:var(--position);top:137.25pt;width:49.5pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:49.5pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:26.5pt"></span></span><span style="left:29.13pt;position:var(--position)">(597)</span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:149.25pt;width:376.5pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:376.5pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Net fee and commission income</span></div></div></div></td><td style="border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:376.5pt;position:var(--position);top:149.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:29.28pt"></span></span><span style="left:31.91pt;position:var(--position)">628<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:432pt;position:var(--position);top:149.25pt;width:49.5pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:49.5pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:28.39pt"></span></span><span style="left:31.02pt;position:var(--position)">605<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td></tr></tbody></table></div></div> 352000000 340000000 688000000 634000000 151000000 94000000 27000000 34000000 98000000 100000000 1316000000 1202000000 688000000 597000000 628000000 605000000 <span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:9pt;font-style:normal;font-weight:bold;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre">Note 5: Operating expenses</span><div style="position:var(--position);top:494.84pt;width:594.99pt"><div style="font-size:0pt;left:56.69pt;position:var(--position);width:481.5pt"><div><table style="border-collapse:collapse;display:inline-table;width:100%"><tbody><tr style="height:0"><td style="padding:0;width:375.75pt"></td><td style="padding:0;width:50.25pt"></td><td style="padding:0;width:5.25pt"></td><td style="padding:0;width:50.25pt"></td></tr><tr style="height:41.25pt"><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:375.75pt;position:var(--position);width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.95pt;width:50.25pt"><span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:12.93pt;position:var(--position);text-decoration:none;white-space:pre">Half-year</span></div><div style="line-height:8pt;position:var(--position);top:12.55pt;width:50.25pt"><span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:13.44pt;position:var(--position);text-decoration:none;white-space:pre">to 30 Jun</span></div><div style="font-size:12pt;line-height:8pt;position:var(--position);top:22.15pt;width:50.25pt"><span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:28.25pt;position:var(--position);text-decoration:none;white-space:pre">2026</span></div><div style="line-height:8pt;position:var(--position);top:31.75pt;width:50.25pt"><span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:35.97pt;position:var(--position);text-decoration:none;white-space:pre">£m</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.95pt;width:50.25pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:13.21pt;position:var(--position);text-decoration:none;white-space:pre">Half-year</span></div><div style="line-height:8pt;position:var(--position);top:12.55pt;width:50.25pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:13.66pt;position:var(--position);text-decoration:none;white-space:pre">to 30 Jun</span></div><div style="font-size:12pt;line-height:8pt;position:var(--position);top:22.15pt;width:50.25pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:28.79pt;position:var(--position);text-decoration:none;white-space:pre">2025</span></div><div style="line-height:8pt;position:var(--position);top:31.75pt;width:50.25pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:36.03pt;position:var(--position);text-decoration:none;white-space:pre">£m</span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:53.25pt;width:375.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:375.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Staff costs</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:375.75pt;position:var(--position);top:53.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:23.08pt"></span></span><span style="left:25.709999999999997pt;position:var(--position)">2,233<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:53.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:23.1pt"></span></span><span style="left:25.73pt;position:var(--position)">2,362<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:65.25pt;width:375.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:375.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Premises and equipment costs</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:375.75pt;position:var(--position);top:65.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:29.69pt"></span></span><span style="left:32.32pt;position:var(--position)">265<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:65.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:29.82pt"></span></span><span style="left:32.45pt;position:var(--position)">236<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:77.25pt;width:375.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:375.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Depreciation and amortisation</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:375.75pt;position:var(--position);top:77.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:26.42pt"></span></span><span style="left:29.05pt;position:var(--position)">1,741<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:77.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:25.7pt"></span></span><span style="left:28.33pt;position:var(--position)">1,722<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:89.25pt;width:375.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:375.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Other</span></div></div></div></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:375.75pt;position:var(--position);top:89.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:23.81pt"></span></span><span style="left:26.439999999999998pt;position:var(--position)">1,438<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:89.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:26.76pt"></span></span><span style="left:29.39pt;position:var(--position)">1,315<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:101.25pt;width:375.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:375.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Total operating expenses</span></div></div></div></td><td style="border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:375.75pt;position:var(--position);top:101.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:23.49pt"></span></span><span style="left:26.119999999999997pt;position:var(--position)">5,677<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:101.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:22.88pt"></span></span><span style="left:25.509999999999998pt;position:var(--position)">5,635<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td></tr></tbody></table></div></div></div> <div style="font-size:0pt;left:56.69pt;position:var(--position);width:481.5pt"><div><table style="border-collapse:collapse;display:inline-table;width:100%"><tbody><tr style="height:0"><td style="padding:0;width:375.75pt"></td><td style="padding:0;width:50.25pt"></td><td style="padding:0;width:5.25pt"></td><td style="padding:0;width:50.25pt"></td></tr><tr style="height:41.25pt"><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:375.75pt;position:var(--position);width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.95pt;width:50.25pt"><span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:12.93pt;position:var(--position);text-decoration:none;white-space:pre">Half-year</span></div><div style="line-height:8pt;position:var(--position);top:12.55pt;width:50.25pt"><span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:13.44pt;position:var(--position);text-decoration:none;white-space:pre">to 30 Jun</span></div><div style="font-size:12pt;line-height:8pt;position:var(--position);top:22.15pt;width:50.25pt"><span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:28.25pt;position:var(--position);text-decoration:none;white-space:pre">2026</span></div><div style="line-height:8pt;position:var(--position);top:31.75pt;width:50.25pt"><span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:35.97pt;position:var(--position);text-decoration:none;white-space:pre">£m</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.95pt;width:50.25pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:13.21pt;position:var(--position);text-decoration:none;white-space:pre">Half-year</span></div><div style="line-height:8pt;position:var(--position);top:12.55pt;width:50.25pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:13.66pt;position:var(--position);text-decoration:none;white-space:pre">to 30 Jun</span></div><div style="font-size:12pt;line-height:8pt;position:var(--position);top:22.15pt;width:50.25pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:28.79pt;position:var(--position);text-decoration:none;white-space:pre">2025</span></div><div style="line-height:8pt;position:var(--position);top:31.75pt;width:50.25pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:36.03pt;position:var(--position);text-decoration:none;white-space:pre">£m</span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:53.25pt;width:375.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:375.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Staff costs</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:375.75pt;position:var(--position);top:53.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:23.08pt"></span></span><span style="left:25.709999999999997pt;position:var(--position)">2,233<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:53.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:23.1pt"></span></span><span style="left:25.73pt;position:var(--position)">2,362<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:65.25pt;width:375.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:375.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Premises and equipment costs</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:375.75pt;position:var(--position);top:65.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:29.69pt"></span></span><span style="left:32.32pt;position:var(--position)">265<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:65.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:29.82pt"></span></span><span style="left:32.45pt;position:var(--position)">236<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:77.25pt;width:375.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:375.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Depreciation and amortisation</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:375.75pt;position:var(--position);top:77.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:26.42pt"></span></span><span style="left:29.05pt;position:var(--position)">1,741<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:77.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:25.7pt"></span></span><span style="left:28.33pt;position:var(--position)">1,722<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:89.25pt;width:375.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:375.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Other</span></div></div></div></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:375.75pt;position:var(--position);top:89.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:23.81pt"></span></span><span style="left:26.439999999999998pt;position:var(--position)">1,438<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:89.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:26.76pt"></span></span><span style="left:29.39pt;position:var(--position)">1,315<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:101.25pt;width:375.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:375.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Total operating expenses</span></div></div></div></td><td style="border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:375.75pt;position:var(--position);top:101.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:23.49pt"></span></span><span style="left:26.119999999999997pt;position:var(--position)">5,677<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:101.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:22.88pt"></span></span><span style="left:25.509999999999998pt;position:var(--position)">5,635<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td></tr></tbody></table></div></div> 2233000000 2362000000 265000000 236000000 1741000000 1722000000 1438000000 1315000000 5677000000 5635000000 <span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:9pt;font-style:normal;font-weight:bold;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre">Note 6: Retirement benefit obligations</span><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:94.29pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:376.68pt">The Group’s post-retirement defined benefit scheme obligations are comprised as follows:</span></div><div style="position:var(--position);top:114.89pt;width:594.99pt"><div style="font-size:0pt;left:56.69pt;position:var(--position);width:481.5pt"><div><table style="border-collapse:collapse;display:inline-table;width:100%"><tbody><tr style="height:0"><td style="padding:0;width:375.75pt"></td><td style="padding:0;width:50.25pt"></td><td style="padding:0;width:5.25pt"></td><td style="padding:0;width:50.25pt"></td></tr><tr style="height:32.25pt"><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:375.75pt;position:var(--position);width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:3.55pt;width:50.25pt"><span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:12.7pt;position:var(--position);text-decoration:none;white-space:pre">At 30 Jun</span></div><div style="font-size:12pt;line-height:8pt;position:var(--position);top:13.15pt;width:50.25pt"><span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:28.25pt;position:var(--position);text-decoration:none;white-space:pre">2026</span></div><div style="line-height:8pt;position:var(--position);top:22.75pt;width:50.25pt"><span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:35.97pt;position:var(--position);text-decoration:none;white-space:pre">£m</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:3.55pt;width:50.25pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:12.61pt;position:var(--position);text-decoration:none;white-space:pre">At 31 Dec</span></div><div style="font-size:12pt;line-height:8pt;position:var(--position);top:13.15pt;width:50.25pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:28.79pt;position:var(--position);text-decoration:none;white-space:pre">2025</span></div><div style="line-height:8pt;position:var(--position);top:22.75pt;width:50.25pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:36.03pt;position:var(--position);text-decoration:none;white-space:pre">£m</span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:44.25pt;width:375.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:375.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Defined benefit pension schemes:</span></div></div></div></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td></tr><tr style="height:12pt"><td style="border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:56.25pt;width:375.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:375.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:8.3pt;position:var(--position);text-decoration:none;white-space:pre">Present value of funded obligations</span></div></div></div></td><td style="border-left:0.5pt solid #000;border-right:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:375.75pt;position:var(--position);top:56.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:14.51pt"></span></span><span style="left:17.14pt;position:var(--position)">(25,483)</span></span></div></div></div></td><td style="border-left:0.5pt solid #000;border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-left:0.5pt solid #000;border-right:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:56.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:17.71pt"></span></span><span style="left:20.34pt;position:var(--position)">(26,571)</span></span></div></div></div></td></tr><tr style="height:12pt"><td style="border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:68.25pt;width:375.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:375.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:8.3pt;position:var(--position);text-decoration:none;white-space:pre">Fair value of scheme assets</span></div></div></div></td><td style="border-bottom:0.5pt solid #000;border-left:0.5pt solid #000;border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:375.75pt;position:var(--position);top:68.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:17.94pt"></span></span><span style="left:20.57pt;position:var(--position)">28,262<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="border-left:0.5pt solid #000;border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="background-color:#ffffff;border-bottom:0.5pt solid #000;border-left:0.5pt solid #000;border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:68.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:19.76pt"></span></span><span style="left:22.39pt;position:var(--position)">29,183<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:80.25pt;width:375.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:375.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Net pension scheme asset</span></div></div></div></td><td style="border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:375.75pt;position:var(--position);top:80.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:23.58pt"></span></span><span style="left:26.209999999999997pt;position:var(--position)">2,779<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:80.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:24.96pt"></span></span><span style="left:27.59pt;position:var(--position)">2,612<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:92.25pt;width:375.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:375.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Other post-retirement schemes</span></div></div></div></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:375.75pt;position:var(--position);top:92.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:31.47pt"></span></span><span style="left:34.1pt;position:var(--position)">(35)</span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:92.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:32.09pt"></span></span><span style="left:34.720000000000006pt;position:var(--position)">(37)</span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:104.25pt;width:375.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:375.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Total amounts recognised in the balance sheet</span></div></div></div></td><td style="border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:375.75pt;position:var(--position);top:104.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:22.56pt"></span></span><span style="left:25.189999999999998pt;position:var(--position)">2,744<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:104.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:23.81pt"></span></span><span style="left:26.439999999999998pt;position:var(--position)">2,575<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td></tr><tr style="height:15.75pt"><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:132pt;width:375.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:375.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Recognised on the balance sheet as:</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:144pt;width:375.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:375.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Retirement benefit assets</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:375.75pt;position:var(--position);top:144pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:21.71pt"></span></span><span style="left:24.34pt;position:var(--position)">2,860<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:144pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:22.75pt"></span></span><span style="left:25.38pt;position:var(--position)">2,695<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:156pt;width:375.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:375.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Retirement benefit obligations</span></div></div></div></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:375.75pt;position:var(--position);top:156pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:30.03pt"></span></span><span style="left:32.660000000000004pt;position:var(--position)">(116)</span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:156pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:28.39pt"></span></span><span style="left:31.02pt;position:var(--position)">(120)</span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:168pt;width:375.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:375.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Total amounts recognised in the balance sheet</span></div></div></div></td><td style="border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:375.75pt;position:var(--position);top:168pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:22.56pt"></span></span><span style="left:25.189999999999998pt;position:var(--position)">2,744<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:168pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:23.81pt"></span></span><span style="left:26.439999999999998pt;position:var(--position)">2,575<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td></tr></tbody></table></div></div></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:307.89pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:463.92pt">Movements in the Group’s net post-retirement defined benefit scheme asset during the period were as follows:</span></div><div style="position:var(--position);top:328.49pt;width:594.99pt"><div style="font-size:0pt;left:56.69pt;position:var(--position);width:481.5pt"><div><table style="border-collapse:collapse;display:inline-table;width:100%"><tbody><tr style="height:0"><td style="padding:0;width:431.25pt"></td><td style="padding:0;width:50.25pt"></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:35.97pt;position:var(--position);text-decoration:none;white-space:pre">£m</span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:24pt;width:431.25pt"><div><div style="font-size:12pt;line-height:8pt;position:var(--position);top:2.63pt;width:431.25pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Asset at </span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:34.720000000000006pt;position:var(--position);text-decoration:none;white-space:pre">1 January 2026</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:24pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:23.54pt"></span></span><span style="left:26.169999999999998pt;position:var(--position)">2,575<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:36pt;width:431.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:431.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Income statement credit</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:36pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:36.31pt"></span></span><span style="left:38.940000000000005pt;position:var(--position)">15<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:48pt;width:431.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:431.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Employer contributions</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:48pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:34.15pt"></span></span><span style="left:36.78pt;position:var(--position)">63<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:60pt;width:431.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:431.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Remeasurement</span></div></div></div></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:60pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:35.96pt"></span></span><span style="left:38.59pt;position:var(--position)">91<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:72pt;width:431.25pt"><div><div style="font-size:12pt;line-height:8pt;position:var(--position);top:2.63pt;width:431.25pt"><span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Asset at </span><span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:34.99pt;position:var(--position);text-decoration:none;white-space:pre">30 June 2026</span></div></div></div></td><td style="border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:72pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:22.56pt"></span></span><span style="left:25.189999999999998pt;position:var(--position)">2,744<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td></tr></tbody></table></div></div></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:425.49pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:438.72pt">The principal assumptions used in the valuations of the defined benefit pension schemes were as follows:</span></div><div style="position:var(--position);top:446.09pt;width:594.99pt"><div style="font-size:0pt;left:56.69pt;position:var(--position);width:481.5pt"><div><table style="border-collapse:collapse;display:inline-table;width:100%"><tbody><tr style="height:0"><td style="padding:0;width:375.75pt"></td><td style="padding:0;width:50.25pt"></td><td style="padding:0;width:5.25pt"></td><td style="padding:0;width:50.25pt"></td></tr><tr style="height:32.25pt"><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:375.75pt;position:var(--position);width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:3.55pt;width:50.25pt"><span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:12.7pt;position:var(--position);text-decoration:none;white-space:pre">At 30 Jun</span></div><div style="font-size:12pt;line-height:8pt;position:var(--position);top:13.15pt;width:50.25pt"><span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:28.25pt;position:var(--position);text-decoration:none;white-space:pre">2026</span></div><div style="line-height:8pt;position:var(--position);top:22.75pt;width:50.25pt"><span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:41.12pt;position:var(--position);text-decoration:none;white-space:pre">%</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:3.55pt;width:50.25pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:12.61pt;position:var(--position);text-decoration:none;white-space:pre">At 31 Dec</span></div><div style="font-size:12pt;line-height:8pt;position:var(--position);top:13.15pt;width:50.25pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:28.79pt;position:var(--position);text-decoration:none;white-space:pre">2025</span></div><div style="line-height:8pt;position:var(--position);top:22.75pt;width:50.25pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:41.12pt;position:var(--position);text-decoration:none;white-space:pre">%</span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:44.25pt;width:375.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:375.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Discount rate</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:375.75pt;position:var(--position);top:44.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:29.32pt;position:var(--position)"></span><span style="left:29.32pt;position:var(--position)">6.03<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:44.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:31.04pt;position:var(--position)"></span><span style="left:31.04pt;position:var(--position)">5.57<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:56.25pt;width:375.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:375.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Rate of inflation:</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:68.25pt;width:375.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:375.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Retail Price Index (RPI)</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:375.75pt;position:var(--position);top:68.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:31.3pt;position:var(--position)"></span><span style="left:31.3pt;position:var(--position)">2.77<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:68.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:30.41pt;position:var(--position)"></span><span style="left:30.41pt;position:var(--position)">2.65<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:80.25pt;width:375.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:375.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Consumer Price Index (CPI)</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:375.75pt;position:var(--position);top:80.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:30.36pt;position:var(--position)"></span><span style="left:30.36pt;position:var(--position)">2.33<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:80.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:32.43pt;position:var(--position)"></span><span style="left:32.43pt;position:var(--position)">2.13<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:92.25pt;width:375.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:375.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Rate of salary increases</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:375.75pt;position:var(--position);top:92.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:28.39pt;position:var(--position)"></span><span style="left:28.39pt;position:var(--position)">0.00<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:92.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:28.67pt;position:var(--position)"></span><span style="left:28.67pt;position:var(--position)">0.00<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:104.25pt;width:375.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:375.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Weighted-average rate of increase for pensions in payment</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:375.75pt;position:var(--position);top:104.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:31.9pt;position:var(--position)"></span><span style="left:31.9pt;position:var(--position)">2.61<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:104.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:30.84pt;position:var(--position)"></span><span style="left:30.84pt;position:var(--position)">2.52<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td></tr></tbody></table></div></div></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:575.34pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:481.52pt">In July 2024, the Court of Appeal handed down a judgment (Virgin Media Limited v NTL Pension Trustees Limited)</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.21pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:587.94pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:481.51pt">which potentially has implications for the validity of amendments made by pension schemes that were contracted</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.2pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:600.54pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:481.56pt">out on a salary-related basis between 6 April 1997 and the abolition of contracting-out in 2016. The Pension</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.25pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:613.14pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:481.5pt">Schemes Act 2026 gives affected pension schemes the ability to retrospectively obtain written actuarial</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.19pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:625.74pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:481.58pt">confirmation that historic benefit changes met the necessary standards. The Group has not made any allowance</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.27pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:638.34pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:481.52pt">for the possible impact of the ruling as it is currently unclear whether any additional liabilities might arise, and if</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.21pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:650.94pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:481.57pt">they were to arise, how they would be reliably measured. The Group is continuing to review scheme amendments</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.26pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:663.54pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:416.68pt">to decide whether any subsequent actions are required and will continue to monitor developments.</span></div> <span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:376.68pt">The Group’s post-retirement defined benefit scheme obligations are comprised as follows:</span><div style="position:var(--position);top:114.89pt;width:594.99pt"><div style="font-size:0pt;left:56.69pt;position:var(--position);width:481.5pt"><div><table style="border-collapse:collapse;display:inline-table;width:100%"><tbody><tr style="height:0"><td style="padding:0;width:375.75pt"></td><td style="padding:0;width:50.25pt"></td><td style="padding:0;width:5.25pt"></td><td style="padding:0;width:50.25pt"></td></tr><tr style="height:32.25pt"><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:375.75pt;position:var(--position);width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:3.55pt;width:50.25pt"><span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:12.7pt;position:var(--position);text-decoration:none;white-space:pre">At 30 Jun</span></div><div style="font-size:12pt;line-height:8pt;position:var(--position);top:13.15pt;width:50.25pt"><span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:28.25pt;position:var(--position);text-decoration:none;white-space:pre">2026</span></div><div style="line-height:8pt;position:var(--position);top:22.75pt;width:50.25pt"><span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:35.97pt;position:var(--position);text-decoration:none;white-space:pre">£m</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:3.55pt;width:50.25pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:12.61pt;position:var(--position);text-decoration:none;white-space:pre">At 31 Dec</span></div><div style="font-size:12pt;line-height:8pt;position:var(--position);top:13.15pt;width:50.25pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:28.79pt;position:var(--position);text-decoration:none;white-space:pre">2025</span></div><div style="line-height:8pt;position:var(--position);top:22.75pt;width:50.25pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:36.03pt;position:var(--position);text-decoration:none;white-space:pre">£m</span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:44.25pt;width:375.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:375.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Defined benefit pension schemes:</span></div></div></div></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td></tr><tr style="height:12pt"><td style="border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:56.25pt;width:375.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:375.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:8.3pt;position:var(--position);text-decoration:none;white-space:pre">Present value of funded obligations</span></div></div></div></td><td style="border-left:0.5pt solid #000;border-right:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:375.75pt;position:var(--position);top:56.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:14.51pt"></span></span><span style="left:17.14pt;position:var(--position)">(25,483)</span></span></div></div></div></td><td style="border-left:0.5pt solid #000;border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-left:0.5pt solid #000;border-right:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:56.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:17.71pt"></span></span><span style="left:20.34pt;position:var(--position)">(26,571)</span></span></div></div></div></td></tr><tr style="height:12pt"><td style="border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:68.25pt;width:375.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:375.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:8.3pt;position:var(--position);text-decoration:none;white-space:pre">Fair value of scheme assets</span></div></div></div></td><td style="border-bottom:0.5pt solid #000;border-left:0.5pt solid #000;border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:375.75pt;position:var(--position);top:68.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:17.94pt"></span></span><span style="left:20.57pt;position:var(--position)">28,262<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="border-left:0.5pt solid #000;border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="background-color:#ffffff;border-bottom:0.5pt solid #000;border-left:0.5pt solid #000;border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:68.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:19.76pt"></span></span><span style="left:22.39pt;position:var(--position)">29,183<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:80.25pt;width:375.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:375.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Net pension scheme asset</span></div></div></div></td><td style="border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:375.75pt;position:var(--position);top:80.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:23.58pt"></span></span><span style="left:26.209999999999997pt;position:var(--position)">2,779<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:80.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:24.96pt"></span></span><span style="left:27.59pt;position:var(--position)">2,612<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:92.25pt;width:375.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:375.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Other post-retirement schemes</span></div></div></div></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:375.75pt;position:var(--position);top:92.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:31.47pt"></span></span><span style="left:34.1pt;position:var(--position)">(35)</span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:92.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:32.09pt"></span></span><span style="left:34.720000000000006pt;position:var(--position)">(37)</span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:104.25pt;width:375.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:375.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Total amounts recognised in the balance sheet</span></div></div></div></td><td style="border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:375.75pt;position:var(--position);top:104.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:22.56pt"></span></span><span style="left:25.189999999999998pt;position:var(--position)">2,744<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:104.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:23.81pt"></span></span><span style="left:26.439999999999998pt;position:var(--position)">2,575<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td></tr><tr style="height:15.75pt"><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:132pt;width:375.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:375.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Recognised on the balance sheet as:</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:144pt;width:375.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:375.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Retirement benefit assets</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:375.75pt;position:var(--position);top:144pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:21.71pt"></span></span><span style="left:24.34pt;position:var(--position)">2,860<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:144pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:22.75pt"></span></span><span style="left:25.38pt;position:var(--position)">2,695<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:156pt;width:375.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:375.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Retirement benefit obligations</span></div></div></div></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:375.75pt;position:var(--position);top:156pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:30.03pt"></span></span><span style="left:32.660000000000004pt;position:var(--position)">(116)</span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:156pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:28.39pt"></span></span><span style="left:31.02pt;position:var(--position)">(120)</span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:168pt;width:375.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:375.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Total amounts recognised in the balance sheet</span></div></div></div></td><td style="border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:375.75pt;position:var(--position);top:168pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:22.56pt"></span></span><span style="left:25.189999999999998pt;position:var(--position)">2,744<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:168pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:23.81pt"></span></span><span style="left:26.439999999999998pt;position:var(--position)">2,575<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td></tr></tbody></table></div></div></div> 25483000000 26571000000 -28262000000 -29183000000 -2779000000 -2612000000 35000000 37000000 -2744000000 -2575000000 2860000000 2695000000 116000000 120000000 -2744000000 -2575000000 <span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:463.92pt">Movements in the Group’s net post-retirement defined benefit scheme asset during the period were as follows:</span><div style="position:var(--position);top:328.49pt;width:594.99pt"><div style="font-size:0pt;left:56.69pt;position:var(--position);width:481.5pt"><div><table style="border-collapse:collapse;display:inline-table;width:100%"><tbody><tr style="height:0"><td style="padding:0;width:431.25pt"></td><td style="padding:0;width:50.25pt"></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:35.97pt;position:var(--position);text-decoration:none;white-space:pre">£m</span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:24pt;width:431.25pt"><div><div style="font-size:12pt;line-height:8pt;position:var(--position);top:2.63pt;width:431.25pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Asset at </span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:34.720000000000006pt;position:var(--position);text-decoration:none;white-space:pre">1 January 2026</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:24pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:23.54pt"></span></span><span style="left:26.169999999999998pt;position:var(--position)">2,575<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:36pt;width:431.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:431.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Income statement credit</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:36pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:36.31pt"></span></span><span style="left:38.940000000000005pt;position:var(--position)">15<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:48pt;width:431.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:431.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Employer contributions</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:48pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:34.15pt"></span></span><span style="left:36.78pt;position:var(--position)">63<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:60pt;width:431.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:431.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Remeasurement</span></div></div></div></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:60pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:35.96pt"></span></span><span style="left:38.59pt;position:var(--position)">91<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:72pt;width:431.25pt"><div><div style="font-size:12pt;line-height:8pt;position:var(--position);top:2.63pt;width:431.25pt"><span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Asset at </span><span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:34.99pt;position:var(--position);text-decoration:none;white-space:pre">30 June 2026</span></div></div></div></td><td style="border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:72pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:22.56pt"></span></span><span style="left:25.189999999999998pt;position:var(--position)">2,744<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td></tr></tbody></table></div></div></div> -2575000000 -15000000 63000000 91000000 -2744000000 <span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:438.72pt">The principal assumptions used in the valuations of the defined benefit pension schemes were as follows:</span><div style="position:var(--position);top:446.09pt;width:594.99pt"><div style="font-size:0pt;left:56.69pt;position:var(--position);width:481.5pt"><div><table style="border-collapse:collapse;display:inline-table;width:100%"><tbody><tr style="height:0"><td style="padding:0;width:375.75pt"></td><td style="padding:0;width:50.25pt"></td><td style="padding:0;width:5.25pt"></td><td style="padding:0;width:50.25pt"></td></tr><tr style="height:32.25pt"><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:375.75pt;position:var(--position);width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:3.55pt;width:50.25pt"><span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:12.7pt;position:var(--position);text-decoration:none;white-space:pre">At 30 Jun</span></div><div style="font-size:12pt;line-height:8pt;position:var(--position);top:13.15pt;width:50.25pt"><span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:28.25pt;position:var(--position);text-decoration:none;white-space:pre">2026</span></div><div style="line-height:8pt;position:var(--position);top:22.75pt;width:50.25pt"><span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:41.12pt;position:var(--position);text-decoration:none;white-space:pre">%</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:3.55pt;width:50.25pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:12.61pt;position:var(--position);text-decoration:none;white-space:pre">At 31 Dec</span></div><div style="font-size:12pt;line-height:8pt;position:var(--position);top:13.15pt;width:50.25pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:28.79pt;position:var(--position);text-decoration:none;white-space:pre">2025</span></div><div style="line-height:8pt;position:var(--position);top:22.75pt;width:50.25pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:41.12pt;position:var(--position);text-decoration:none;white-space:pre">%</span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:44.25pt;width:375.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:375.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Discount rate</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:375.75pt;position:var(--position);top:44.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:29.32pt;position:var(--position)"></span><span style="left:29.32pt;position:var(--position)">6.03<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:44.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:31.04pt;position:var(--position)"></span><span style="left:31.04pt;position:var(--position)">5.57<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:56.25pt;width:375.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:375.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Rate of inflation:</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:68.25pt;width:375.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:375.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Retail Price Index (RPI)</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:375.75pt;position:var(--position);top:68.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:31.3pt;position:var(--position)"></span><span style="left:31.3pt;position:var(--position)">2.77<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:68.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:30.41pt;position:var(--position)"></span><span style="left:30.41pt;position:var(--position)">2.65<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:80.25pt;width:375.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:375.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Consumer Price Index (CPI)</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:375.75pt;position:var(--position);top:80.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:30.36pt;position:var(--position)"></span><span style="left:30.36pt;position:var(--position)">2.33<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:80.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:32.43pt;position:var(--position)"></span><span style="left:32.43pt;position:var(--position)">2.13<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:92.25pt;width:375.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:375.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Rate of salary increases</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:375.75pt;position:var(--position);top:92.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:28.39pt;position:var(--position)"></span><span style="left:28.39pt;position:var(--position)">0.00<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:92.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:28.67pt;position:var(--position)"></span><span style="left:28.67pt;position:var(--position)">0.00<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:104.25pt;width:375.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:375.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Weighted-average rate of increase for pensions in payment</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:375.75pt;position:var(--position);top:104.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:31.9pt;position:var(--position)"></span><span style="left:31.9pt;position:var(--position)">2.61<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:104.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:30.84pt;position:var(--position)"></span><span style="left:30.84pt;position:var(--position)">2.52<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td></tr></tbody></table></div></div></div> 0.0603 0.0557 0.0277 0.0265 0.0233 0.0213 0.0000 0.0000 0.0261 0.0252 <span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:9pt;font-style:normal;font-weight:bold;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre">Note 7: Impairment</span><div style="position:var(--position);top:94.29pt;width:594.99pt"><div style="font-size:0pt;left:56.69pt;position:var(--position);width:481.5pt"><div><table style="border-collapse:collapse;display:inline-table;width:100%"><tbody><tr style="height:0"><td style="padding:0;width:375.75pt"></td><td style="padding:0;width:50.25pt"></td><td style="padding:0;width:5.25pt"></td><td style="padding:0;width:50.25pt"></td></tr><tr style="height:41.25pt"><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:375.75pt;position:var(--position);width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.95pt;width:50.25pt"><span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:12.93pt;position:var(--position);text-decoration:none;white-space:pre">Half-year</span></div><div style="line-height:8pt;position:var(--position);top:12.55pt;width:50.25pt"><span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:13.44pt;position:var(--position);text-decoration:none;white-space:pre">to 30 Jun</span></div><div style="font-size:12pt;line-height:8pt;position:var(--position);top:22.15pt;width:50.25pt"><span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:28.25pt;position:var(--position);text-decoration:none;white-space:pre">2026</span></div><div style="line-height:8pt;position:var(--position);top:31.75pt;width:50.25pt"><span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:35.97pt;position:var(--position);text-decoration:none;white-space:pre">£m</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.95pt;width:50.25pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:13.21pt;position:var(--position);text-decoration:none;white-space:pre">Half-year</span></div><div style="line-height:8pt;position:var(--position);top:12.55pt;width:50.25pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:13.66pt;position:var(--position);text-decoration:none;white-space:pre">to 30 Jun</span></div><div style="font-size:12pt;line-height:8pt;position:var(--position);top:22.15pt;width:50.25pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:28.79pt;position:var(--position);text-decoration:none;white-space:pre">2025</span></div><div style="line-height:8pt;position:var(--position);top:31.75pt;width:50.25pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:36.03pt;position:var(--position);text-decoration:none;white-space:pre">£m</span></div></div></div></td></tr><tr style="height:6pt"><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td></tr><tr style="height:12pt"><td style="border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:47.25pt;width:375.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:375.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:8.3pt;position:var(--position);text-decoration:none;white-space:pre">Loans and advances to banks</span></div></div></div></td><td style="border-left:0.5pt solid #000;border-right:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:375.75pt;position:var(--position);top:47.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:39.84pt"></span></span><span style="left:42.470000000000006pt;position:var(--position)">–<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="border-left:0.5pt solid #000;border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-left:0.5pt solid #000;border-right:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:47.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:39.91pt"></span></span><span style="left:42.54pt;position:var(--position)">–<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:59.25pt;width:375.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:375.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:8.3pt;position:var(--position);text-decoration:none;white-space:pre">Loans and advances to customers</span></div></div></div></td><td style="border-left:0.5pt solid #000;border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:375.75pt;position:var(--position);top:59.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:30.65pt"></span></span><span style="left:33.28pt;position:var(--position)">601<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="border-left:0.5pt solid #000;border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-left:0.5pt solid #000;border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:59.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:28.65pt"></span></span><span style="left:31.279999999999998pt;position:var(--position)">490<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:71.25pt;width:375.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:375.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:8.3pt;position:var(--position);text-decoration:none;white-space:pre">Debt securities</span></div></div></div></td><td style="border-bottom:0.5pt solid #000;border-left:0.5pt solid #000;border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:375.75pt;position:var(--position);top:71.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:39.13pt"></span></span><span style="left:41.760000000000005pt;position:var(--position)">3<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="border-left:0.5pt solid #000;border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;border-left:0.5pt solid #000;border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:71.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:39.91pt"></span></span><span style="left:42.54pt;position:var(--position)">–<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:83.25pt;width:375.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:375.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Financial assets held at amortised cost</span></div></div></div></td><td style="border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:375.75pt;position:var(--position);top:83.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:28.43pt"></span></span><span style="left:31.06pt;position:var(--position)">604<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:83.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:28.65pt"></span></span><span style="left:31.279999999999998pt;position:var(--position)">490<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:95.25pt;width:375.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:375.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Financial assets at fair value through other comprehensive income</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:375.75pt;position:var(--position);top:95.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:40.94pt"></span></span><span style="left:43.57pt;position:var(--position)">1<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:95.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:39.91pt"></span></span><span style="left:42.54pt;position:var(--position)">–<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:107.25pt;width:375.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:375.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Loan commitments and financial guarantees</span></div></div></div></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:375.75pt;position:var(--position);top:107.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:39.66pt"></span></span><span style="left:42.29pt;position:var(--position)">7<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:107.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:30.85pt"></span></span><span style="left:33.480000000000004pt;position:var(--position)">(48)</span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:119.25pt;width:375.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:375.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Total impairment charge</span></div></div></div></td><td style="border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:375.75pt;position:var(--position);top:119.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:31.42pt"></span></span><span style="left:34.050000000000004pt;position:var(--position)">612<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:119.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:29.24pt"></span></span><span style="left:31.869999999999997pt;position:var(--position)">442<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td></tr></tbody></table></div></div></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:238.54pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:62.4pt">There was a £</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:119.09pt;position:var(--position);text-decoration:none;white-space:pre;width:10.34pt">78</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:129.43pt;position:var(--position);text-decoration:none;white-space:pre;width:408.8pt"> million charge in respect of residual value impairment and voluntary terminations within the</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.23pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:251.14pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:327.18pt">Group’s UK Motor Finance business in the current period (half-year to 30 June </span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:383.87pt;position:var(--position);text-decoration:none;white-space:pre;width:21.19pt">2025</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:405.06pt;position:var(--position);text-decoration:none;white-space:pre;width:4.71pt">: </span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:409.77pt;position:var(--position);text-decoration:none;white-space:pre;width:15.55pt">£70</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:425.32pt;position:var(--position);text-decoration:none;white-space:pre;width:30.42pt"> million</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:455.74pt;position:var(--position);text-decoration:none;white-space:pre;width:5.72pt">).</span></div> <div style="font-size:0pt;left:56.69pt;position:var(--position);width:481.5pt"><div><table style="border-collapse:collapse;display:inline-table;width:100%"><tbody><tr style="height:0"><td style="padding:0;width:375.75pt"></td><td style="padding:0;width:50.25pt"></td><td style="padding:0;width:5.25pt"></td><td style="padding:0;width:50.25pt"></td></tr><tr style="height:41.25pt"><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:375.75pt;position:var(--position);width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.95pt;width:50.25pt"><span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:12.93pt;position:var(--position);text-decoration:none;white-space:pre">Half-year</span></div><div style="line-height:8pt;position:var(--position);top:12.55pt;width:50.25pt"><span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:13.44pt;position:var(--position);text-decoration:none;white-space:pre">to 30 Jun</span></div><div style="font-size:12pt;line-height:8pt;position:var(--position);top:22.15pt;width:50.25pt"><span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:28.25pt;position:var(--position);text-decoration:none;white-space:pre">2026</span></div><div style="line-height:8pt;position:var(--position);top:31.75pt;width:50.25pt"><span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:35.97pt;position:var(--position);text-decoration:none;white-space:pre">£m</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.95pt;width:50.25pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:13.21pt;position:var(--position);text-decoration:none;white-space:pre">Half-year</span></div><div style="line-height:8pt;position:var(--position);top:12.55pt;width:50.25pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:13.66pt;position:var(--position);text-decoration:none;white-space:pre">to 30 Jun</span></div><div style="font-size:12pt;line-height:8pt;position:var(--position);top:22.15pt;width:50.25pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:28.79pt;position:var(--position);text-decoration:none;white-space:pre">2025</span></div><div style="line-height:8pt;position:var(--position);top:31.75pt;width:50.25pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:36.03pt;position:var(--position);text-decoration:none;white-space:pre">£m</span></div></div></div></td></tr><tr style="height:6pt"><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td></tr><tr style="height:12pt"><td style="border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:47.25pt;width:375.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:375.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:8.3pt;position:var(--position);text-decoration:none;white-space:pre">Loans and advances to banks</span></div></div></div></td><td style="border-left:0.5pt solid #000;border-right:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:375.75pt;position:var(--position);top:47.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:39.84pt"></span></span><span style="left:42.470000000000006pt;position:var(--position)">–<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="border-left:0.5pt solid #000;border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-left:0.5pt solid #000;border-right:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:47.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:39.91pt"></span></span><span style="left:42.54pt;position:var(--position)">–<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:59.25pt;width:375.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:375.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:8.3pt;position:var(--position);text-decoration:none;white-space:pre">Loans and advances to customers</span></div></div></div></td><td style="border-left:0.5pt solid #000;border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:375.75pt;position:var(--position);top:59.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:30.65pt"></span></span><span style="left:33.28pt;position:var(--position)">601<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="border-left:0.5pt solid #000;border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-left:0.5pt solid #000;border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:59.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:28.65pt"></span></span><span style="left:31.279999999999998pt;position:var(--position)">490<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:71.25pt;width:375.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:375.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:8.3pt;position:var(--position);text-decoration:none;white-space:pre">Debt securities</span></div></div></div></td><td style="border-bottom:0.5pt solid #000;border-left:0.5pt solid #000;border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:375.75pt;position:var(--position);top:71.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:39.13pt"></span></span><span style="left:41.760000000000005pt;position:var(--position)">3<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="border-left:0.5pt solid #000;border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;border-left:0.5pt solid #000;border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:71.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:39.91pt"></span></span><span style="left:42.54pt;position:var(--position)">–<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:83.25pt;width:375.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:375.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Financial assets held at amortised cost</span></div></div></div></td><td style="border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:375.75pt;position:var(--position);top:83.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:28.43pt"></span></span><span style="left:31.06pt;position:var(--position)">604<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:83.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:28.65pt"></span></span><span style="left:31.279999999999998pt;position:var(--position)">490<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:95.25pt;width:375.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:375.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Financial assets at fair value through other comprehensive income</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:375.75pt;position:var(--position);top:95.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:40.94pt"></span></span><span style="left:43.57pt;position:var(--position)">1<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:95.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:39.91pt"></span></span><span style="left:42.54pt;position:var(--position)">–<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:107.25pt;width:375.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:375.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Loan commitments and financial guarantees</span></div></div></div></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:375.75pt;position:var(--position);top:107.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:39.66pt"></span></span><span style="left:42.29pt;position:var(--position)">7<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:107.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:30.85pt"></span></span><span style="left:33.480000000000004pt;position:var(--position)">(48)</span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:119.25pt;width:375.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:375.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Total impairment charge</span></div></div></div></td><td style="border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:375.75pt;position:var(--position);top:119.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:31.42pt"></span></span><span style="left:34.050000000000004pt;position:var(--position)">612<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:119.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:29.24pt"></span></span><span style="left:31.869999999999997pt;position:var(--position)">442<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td></tr></tbody></table></div></div> 0 0 601000000 490000000 3000000 0 604000000 490000000 1000000 0 7000000 -48000000 612000000 442000000 78000000 70000000 <span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:9pt;font-style:normal;font-weight:bold;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre">Note 8: Tax</span><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:290.54pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:372.58pt">In accordance with IAS 34, the Group’s income tax expense for the half-year to 30 June </span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:429.27pt;position:var(--position);text-decoration:none;white-space:pre;width:21.55pt">2026</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:450.82pt;position:var(--position);text-decoration:none;white-space:pre;width:87.4pt"> is based on the best</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.22pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:303.14pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:481.57pt">estimate of the weighted-average annual income tax rate expected for the full financial year. The tax effects of</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.26pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:315.74pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:481.54pt">one-off items are not included in the weighted-average annual income tax rate, but are recognised in the relevant</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.23pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:328.34pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:29.56pt">period.</span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:348.94pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:398.6pt">An explanation of the relationship between tax expense and accounting profit is set out below:</span></div><div style="position:var(--position);top:369.54pt;width:594.99pt"><div style="font-size:0pt;left:56.69pt;position:var(--position);width:481.5pt"><div><table style="border-collapse:collapse;display:inline-table;width:100%"><tbody><tr style="height:0"><td style="padding:0;width:375.75pt"></td><td style="padding:0;width:50.25pt"></td><td style="padding:0;width:5.25pt"></td><td style="padding:0;width:50.25pt"></td></tr><tr style="height:39pt"><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:375.75pt;position:var(--position);width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:0.7pt;width:50.25pt"><span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:12.93pt;position:var(--position);text-decoration:none;white-space:pre">Half-year</span></div><div style="line-height:8pt;position:var(--position);top:10.3pt;width:50.25pt"><span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:13.44pt;position:var(--position);text-decoration:none;white-space:pre">to 30 Jun</span></div><div style="font-size:12pt;line-height:8pt;position:var(--position);top:19.9pt;width:50.25pt"><span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:28.25pt;position:var(--position);text-decoration:none;white-space:pre">2026</span></div><div style="line-height:8pt;position:var(--position);top:29.5pt;width:50.25pt"><span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:35.97pt;position:var(--position);text-decoration:none;white-space:pre">£m</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:0.7pt;width:50.25pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:13.21pt;position:var(--position);text-decoration:none;white-space:pre">Half-year</span></div><div style="line-height:8pt;position:var(--position);top:10.3pt;width:50.25pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:13.66pt;position:var(--position);text-decoration:none;white-space:pre">to 30 Jun</span></div><div style="font-size:12pt;line-height:8pt;position:var(--position);top:19.9pt;width:50.25pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:28.79pt;position:var(--position);text-decoration:none;white-space:pre">2025</span></div><div style="line-height:8pt;position:var(--position);top:29.5pt;width:50.25pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:36.03pt;position:var(--position);text-decoration:none;white-space:pre">£m</span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:51pt;width:375.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:375.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Profit before tax</span></div></div></div></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:375.75pt;position:var(--position);top:51pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:22.63pt"></span></span><span style="left:25.259999999999998pt;position:var(--position)">3,556<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:51pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:23.4pt"></span></span><span style="left:26.029999999999998pt;position:var(--position)">2,758<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:63pt;width:375.75pt"><div><div style="font-size:12pt;line-height:8pt;position:var(--position);top:2.5pt;width:375.75pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">UK corporation tax thereon at </span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:117.52pt;position:var(--position);text-decoration:none;white-space:pre">25.0</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:133.98pt;position:var(--position);text-decoration:none;white-space:pre">% (</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:145.5pt;position:var(--position);text-decoration:none;white-space:pre">2025</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:164.32999999999998pt;position:var(--position);text-decoration:none;white-space:pre">: </span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:168.51pt;position:var(--position);text-decoration:none;white-space:pre">25.0</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:184.97pt;position:var(--position);text-decoration:none;white-space:pre">%)</span></div></div></div></td><td style="border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:375.75pt;position:var(--position);top:63pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:25.75pt"></span></span><span style="left:28.38pt;position:var(--position)">(889)</span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:63pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:26.1pt"></span></span><span style="left:28.73pt;position:var(--position)">(689)</span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:75pt;width:375.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:375.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Impact of surcharge on banking profits</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:375.75pt;position:var(--position);top:75pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:30.52pt"></span></span><span style="left:33.15pt;position:var(--position)">(90)</span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:75pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:33.12pt"></span></span><span style="left:35.75pt;position:var(--position)">(81)</span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:87pt;width:375.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:375.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Non-deductible costs: conduct charges</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:375.75pt;position:var(--position);top:87pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:39.84pt"></span></span><span style="left:42.470000000000006pt;position:var(--position)">–<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:87pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:41.09pt"></span></span><span style="left:43.720000000000006pt;position:var(--position)">1<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:99pt;width:375.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:375.75pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Other non-deductible costs</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:5.2pt;font-style:normal;font-weight:normal;left:105.33pt;position:var(--position);text-decoration:none;top:-2.24pt;vertical-align:super;white-space:pre">1</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:375.75pt;position:var(--position);top:99pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:30.79pt"></span></span><span style="left:33.42pt;position:var(--position)">(30)</span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:99pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:30.94pt"></span></span><span style="left:33.57pt;position:var(--position)">(49)</span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:111pt;width:375.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:375.75pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Non-taxable income</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:5.2pt;font-style:normal;font-weight:normal;left:78.8pt;position:var(--position);text-decoration:none;top:-2.24pt;vertical-align:super;white-space:pre">1</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:375.75pt;position:var(--position);top:111pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:34.15pt"></span></span><span style="left:36.78pt;position:var(--position)">36<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:111pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:36.6pt"></span></span><span style="left:39.230000000000004pt;position:var(--position)">12<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:123pt;width:375.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:375.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Tax relief on coupons on other equity instruments</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:375.75pt;position:var(--position);top:123pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:34.09pt"></span></span><span style="left:36.720000000000006pt;position:var(--position)">54<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:123pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:34.22pt"></span></span><span style="left:36.85pt;position:var(--position)">54<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:135pt;width:375.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:375.75pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Non-taxable (non-deductible) foreign exchange gains (losses)</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:5.2pt;font-style:normal;font-weight:normal;left:230.51999999999998pt;position:var(--position);text-decoration:none;top:-2.24pt;vertical-align:super;white-space:pre">1</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:375.75pt;position:var(--position);top:135pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:35.96pt"></span></span><span style="left:38.59pt;position:var(--position)">16<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:135pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:33.95pt"></span></span><span style="left:36.580000000000005pt;position:var(--position)">(71)</span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:147pt;width:375.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:375.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Tax-exempt gains on disposals</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:375.75pt;position:var(--position);top:147pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:39.84pt"></span></span><span style="left:42.470000000000006pt;position:var(--position)">–<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:147pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:39.42pt"></span></span><span style="left:42.050000000000004pt;position:var(--position)">2<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:159pt;width:375.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:375.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Differences in overseas tax rates</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:375.75pt;position:var(--position);top:159pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:36.18pt"></span></span><span style="left:38.81pt;position:var(--position)">(5)</span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:159pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:39.31pt"></span></span><span style="left:41.940000000000005pt;position:var(--position)">5<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:171pt;width:375.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:375.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Adjustments in respect of prior years</span></div></div></div></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:375.75pt;position:var(--position);top:171pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:39.13pt"></span></span><span style="left:41.760000000000005pt;position:var(--position)">3<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:171pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:36.46pt"></span></span><span style="left:39.09pt;position:var(--position)">(2)</span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:183pt;width:375.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:375.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Tax expense</span></div></div></div></td><td style="border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:375.75pt;position:var(--position);top:183pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:25.89pt"></span></span><span style="left:28.52pt;position:var(--position)">(905)</span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:183pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:28.11pt"></span></span><span style="left:30.74pt;position:var(--position)">(818)</span></span></div></div></div></td></tr></tbody></table></div></div></div><div style="font-size:12pt;line-height:8pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:577.54pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:5.2pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;top:-2.24pt;vertical-align:super;white-space:pre;width:1.83pt">1</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:58.519999999999996pt;position:var(--position);width:0pt"><span style="display:inline-block;height:6.4pt;width:6.67pt"></span></span></span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:65.19pt;position:var(--position);text-decoration:none;white-space:pre;width:473.04pt">Non-taxable (non-deductible) foreign exchange gains (losses) on non-sterling denominated other equity instruments and on</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:538.23pt;position:var(--position);text-decoration:none;white-space:pre;width:2.06pt"> </span></div><div style="font-size:12pt;line-height:8pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:587.14pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:65.19pt;position:var(--position);text-decoration:none;white-space:pre;width:473.03pt">net investment hedging of subsidiaries, previously shown in aggregate within other non-deductible costs and non-taxable</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:538.22pt;position:var(--position);text-decoration:none;white-space:pre;width:2.06pt"> </span></div><div style="font-size:12pt;line-height:8pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:596.74pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:65.19pt;position:var(--position);text-decoration:none;white-space:pre;width:393.27pt">income, are now presented as an individual line item. Comparatives are represented on a consistent basis.</span></div> <span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:398.6pt">An explanation of the relationship between tax expense and accounting profit is set out below:</span><div style="position:var(--position);top:369.54pt;width:594.99pt"><div style="font-size:0pt;left:56.69pt;position:var(--position);width:481.5pt"><div><table style="border-collapse:collapse;display:inline-table;width:100%"><tbody><tr style="height:0"><td style="padding:0;width:375.75pt"></td><td style="padding:0;width:50.25pt"></td><td style="padding:0;width:5.25pt"></td><td style="padding:0;width:50.25pt"></td></tr><tr style="height:39pt"><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:375.75pt;position:var(--position);width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:0.7pt;width:50.25pt"><span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:12.93pt;position:var(--position);text-decoration:none;white-space:pre">Half-year</span></div><div style="line-height:8pt;position:var(--position);top:10.3pt;width:50.25pt"><span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:13.44pt;position:var(--position);text-decoration:none;white-space:pre">to 30 Jun</span></div><div style="font-size:12pt;line-height:8pt;position:var(--position);top:19.9pt;width:50.25pt"><span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:28.25pt;position:var(--position);text-decoration:none;white-space:pre">2026</span></div><div style="line-height:8pt;position:var(--position);top:29.5pt;width:50.25pt"><span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:35.97pt;position:var(--position);text-decoration:none;white-space:pre">£m</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:0.7pt;width:50.25pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:13.21pt;position:var(--position);text-decoration:none;white-space:pre">Half-year</span></div><div style="line-height:8pt;position:var(--position);top:10.3pt;width:50.25pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:13.66pt;position:var(--position);text-decoration:none;white-space:pre">to 30 Jun</span></div><div style="font-size:12pt;line-height:8pt;position:var(--position);top:19.9pt;width:50.25pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:28.79pt;position:var(--position);text-decoration:none;white-space:pre">2025</span></div><div style="line-height:8pt;position:var(--position);top:29.5pt;width:50.25pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:36.03pt;position:var(--position);text-decoration:none;white-space:pre">£m</span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:51pt;width:375.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:375.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Profit before tax</span></div></div></div></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:375.75pt;position:var(--position);top:51pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:22.63pt"></span></span><span style="left:25.259999999999998pt;position:var(--position)">3,556<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:51pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:23.4pt"></span></span><span style="left:26.029999999999998pt;position:var(--position)">2,758<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:63pt;width:375.75pt"><div><div style="font-size:12pt;line-height:8pt;position:var(--position);top:2.5pt;width:375.75pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">UK corporation tax thereon at </span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:117.52pt;position:var(--position);text-decoration:none;white-space:pre">25.0</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:133.98pt;position:var(--position);text-decoration:none;white-space:pre">% (</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:145.5pt;position:var(--position);text-decoration:none;white-space:pre">2025</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:164.32999999999998pt;position:var(--position);text-decoration:none;white-space:pre">: </span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:168.51pt;position:var(--position);text-decoration:none;white-space:pre">25.0</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:184.97pt;position:var(--position);text-decoration:none;white-space:pre">%)</span></div></div></div></td><td style="border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:375.75pt;position:var(--position);top:63pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:25.75pt"></span></span><span style="left:28.38pt;position:var(--position)">(889)</span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:63pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:26.1pt"></span></span><span style="left:28.73pt;position:var(--position)">(689)</span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:75pt;width:375.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:375.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Impact of surcharge on banking profits</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:375.75pt;position:var(--position);top:75pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:30.52pt"></span></span><span style="left:33.15pt;position:var(--position)">(90)</span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:75pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:33.12pt"></span></span><span style="left:35.75pt;position:var(--position)">(81)</span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:87pt;width:375.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:375.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Non-deductible costs: conduct charges</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:375.75pt;position:var(--position);top:87pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:39.84pt"></span></span><span style="left:42.470000000000006pt;position:var(--position)">–<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:87pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:41.09pt"></span></span><span style="left:43.720000000000006pt;position:var(--position)">1<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:99pt;width:375.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:375.75pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Other non-deductible costs</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:5.2pt;font-style:normal;font-weight:normal;left:105.33pt;position:var(--position);text-decoration:none;top:-2.24pt;vertical-align:super;white-space:pre">1</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:375.75pt;position:var(--position);top:99pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:30.79pt"></span></span><span style="left:33.42pt;position:var(--position)">(30)</span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:99pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:30.94pt"></span></span><span style="left:33.57pt;position:var(--position)">(49)</span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:111pt;width:375.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:375.75pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Non-taxable income</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:5.2pt;font-style:normal;font-weight:normal;left:78.8pt;position:var(--position);text-decoration:none;top:-2.24pt;vertical-align:super;white-space:pre">1</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:375.75pt;position:var(--position);top:111pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:34.15pt"></span></span><span style="left:36.78pt;position:var(--position)">36<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:111pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:36.6pt"></span></span><span style="left:39.230000000000004pt;position:var(--position)">12<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:123pt;width:375.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:375.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Tax relief on coupons on other equity instruments</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:375.75pt;position:var(--position);top:123pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:34.09pt"></span></span><span style="left:36.720000000000006pt;position:var(--position)">54<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:123pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:34.22pt"></span></span><span style="left:36.85pt;position:var(--position)">54<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:135pt;width:375.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:375.75pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Non-taxable (non-deductible) foreign exchange gains (losses)</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:5.2pt;font-style:normal;font-weight:normal;left:230.51999999999998pt;position:var(--position);text-decoration:none;top:-2.24pt;vertical-align:super;white-space:pre">1</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:375.75pt;position:var(--position);top:135pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:35.96pt"></span></span><span style="left:38.59pt;position:var(--position)">16<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:135pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:33.95pt"></span></span><span style="left:36.580000000000005pt;position:var(--position)">(71)</span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:147pt;width:375.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:375.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Tax-exempt gains on disposals</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:375.75pt;position:var(--position);top:147pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:39.84pt"></span></span><span style="left:42.470000000000006pt;position:var(--position)">–<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:147pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:39.42pt"></span></span><span style="left:42.050000000000004pt;position:var(--position)">2<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:159pt;width:375.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:375.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Differences in overseas tax rates</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:375.75pt;position:var(--position);top:159pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:36.18pt"></span></span><span style="left:38.81pt;position:var(--position)">(5)</span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:159pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:39.31pt"></span></span><span style="left:41.940000000000005pt;position:var(--position)">5<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:171pt;width:375.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:375.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Adjustments in respect of prior years</span></div></div></div></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:375.75pt;position:var(--position);top:171pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:39.13pt"></span></span><span style="left:41.760000000000005pt;position:var(--position)">3<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:171pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:36.46pt"></span></span><span style="left:39.09pt;position:var(--position)">(2)</span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:183pt;width:375.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:375.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Tax expense</span></div></div></div></td><td style="border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:375.75pt;position:var(--position);top:183pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:25.89pt"></span></span><span style="left:28.52pt;position:var(--position)">(905)</span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:183pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:28.11pt"></span></span><span style="left:30.74pt;position:var(--position)">(818)</span></span></div></div></div></td></tr></tbody></table></div></div></div><div style="font-size:12pt;line-height:8pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:577.54pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:5.2pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;top:-2.24pt;vertical-align:super;white-space:pre;width:1.83pt">1</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:58.519999999999996pt;position:var(--position);width:0pt"><span style="display:inline-block;height:6.4pt;width:6.67pt"></span></span></span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:65.19pt;position:var(--position);text-decoration:none;white-space:pre;width:473.04pt">Non-taxable (non-deductible) foreign exchange gains (losses) on non-sterling denominated other equity instruments and on</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:538.23pt;position:var(--position);text-decoration:none;white-space:pre;width:2.06pt"> </span></div><div style="font-size:12pt;line-height:8pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:587.14pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:65.19pt;position:var(--position);text-decoration:none;white-space:pre;width:473.03pt">net investment hedging of subsidiaries, previously shown in aggregate within other non-deductible costs and non-taxable</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:538.22pt;position:var(--position);text-decoration:none;white-space:pre;width:2.06pt"> </span></div><div style="font-size:12pt;line-height:8pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:596.74pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:65.19pt;position:var(--position);text-decoration:none;white-space:pre;width:393.27pt">income, are now presented as an individual line item. Comparatives are represented on a consistent basis.</span></div> 3556000000 2758000000 0.250 0.250 889000000 689000000 90000000 81000000 0 -1000000 30000000 49000000 36000000 12000000 54000000 54000000 -16000000 71000000 0 2000000 5000000 -5000000 -3000000 2000000 905000000 818000000 <span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:9pt;font-style:normal;font-weight:bold;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre">Note 9: Fair values of financial assets and liabilities</span><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:633.14pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:481.48pt">The valuations of financial instruments have been classified into three levels according to the quality and reliability</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.1700000000001pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:645.74pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:481.51pt">of information used to determine those fair values. Note 16 to the Group’s financial statements for the year ended</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.2pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:658.34pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:56.33pt">31 December </span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:113.02pt;position:var(--position);text-decoration:none;white-space:pre;width:21.19pt">2025</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:134.20999999999998pt;position:var(--position);text-decoration:none;white-space:pre;width:281.12pt"> details the definitions of the three levels in the fair value hierarchy.</span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:678.94pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:481.55pt">Financial instruments classified as financial assets at fair value through profit or loss, derivative financial</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.24pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:691.54pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:481.61pt">instruments, financial assets at fair value through other comprehensive income and financial liabilities at fair value</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.3pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:704.14pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:205.11pt">through profit or loss are recognised at fair value.</span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:724.74pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:481.46pt">The Group manages valuation adjustments for its derivative exposures on a net basis; the Group determines their</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.15pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:737.34pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:481.47pt">fair values on the basis of their net exposures. In all other cases, fair values of financial assets and liabilities</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.1600000000001pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:749.94pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:315.27pt">measured at fair value are determined on the basis of their gross exposures.</span></div><div><div style="font-size:12pt;line-height:9pt;position:var(--position);top:56.69pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:9pt;font-style:normal;font-weight:bold;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre">NOTES TO THE CONDENSED CONSOLIDATED HALF-YEAR FINANCIAL STATEMENTS (UNAUDITED)</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:485.73pt;position:var(--position);text-decoration:none;white-space:pre"> (continued)</span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);top:75.49pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:9pt;font-style:normal;font-weight:bold;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre">Note 9: Fair values of financial assets and liabilities</span><span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:9pt;font-style:normal;font-weight:bold;left:274.08pt;position:var(--position);text-decoration:none;white-space:pre"> </span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:276.15pt;position:var(--position);text-decoration:none;white-space:pre">(continued)</span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:94.29pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:481.45pt">The following tables provide an analysis of the financial assets and liabilities of the Group that are carried at fair</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.14pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:106.89pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:481.54pt">value in the Group’s consolidated balance sheet, grouped into levels 1 to 3 based on the degree to which the fair</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.23pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:119.49pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:418.07pt">value is observable. There were no significant transfers between level 1 and level 2 during the period.</span></div><div style="position:var(--position);top:140.09pt;width:594.99pt"><div style="font-size:0pt;left:56.69pt;position:var(--position);width:481.5pt"><div><table style="border-collapse:collapse;display:inline-table;width:100%"><tbody><tr style="height:0"><td style="padding:0;width:273.75pt"></td><td style="padding:0;width:48pt"></td><td style="padding:0;width:5.25pt"></td><td style="padding:0;width:48pt"></td><td style="padding:0;width:5.25pt"></td><td style="padding:0;width:48pt"></td><td style="padding:0;width:5.25pt"></td><td style="padding:0;width:48pt"></td></tr><tr style="height:21.75pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);width:273.75pt"><div><div style="line-height:8pt;position:var(--position);top:12.25pt;width:273.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Financial assets</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:273.75pt;position:var(--position);width:48pt"><div><div style="line-height:8pt;position:var(--position);top:2.65pt;width:48pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:20.85pt;position:var(--position);text-decoration:none;white-space:pre">Level 1</span></div><div style="line-height:8pt;position:var(--position);top:12.25pt;width:48pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:33.72pt;position:var(--position);text-decoration:none;white-space:pre">£m</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:327pt;position:var(--position);width:48pt"><div><div style="line-height:8pt;position:var(--position);top:2.65pt;width:48pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:19.21pt;position:var(--position);text-decoration:none;white-space:pre">Level 2</span></div><div style="line-height:8pt;position:var(--position);top:12.25pt;width:48pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:33.72pt;position:var(--position);text-decoration:none;white-space:pre">£m</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:380.25pt;position:var(--position);width:48pt"><div><div style="line-height:8pt;position:var(--position);top:2.65pt;width:48pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:19.04pt;position:var(--position);text-decoration:none;white-space:pre">Level 3</span></div><div style="line-height:8pt;position:var(--position);top:12.25pt;width:48pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:33.72pt;position:var(--position);text-decoration:none;white-space:pre">£m</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:433.5pt;position:var(--position);width:48pt"><div><div style="line-height:8pt;position:var(--position);top:2.65pt;width:48pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:25.56pt;position:var(--position);text-decoration:none;white-space:pre">Total</span></div><div style="line-height:8pt;position:var(--position);top:12.25pt;width:48pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:33.72pt;position:var(--position);text-decoration:none;white-space:pre">£m</span></div></div></div></td></tr><tr style="height:8.25pt"><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:30pt;width:273.75pt"><div><div style="font-size:12pt;line-height:8pt;position:var(--position);top:2.63pt;width:273.75pt"><span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">At </span><span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:13.649999999999999pt;position:var(--position);text-decoration:none;white-space:pre">30 June 2026</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:42pt;width:273.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:273.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Financial assets at fair value through profit or loss:</span></div></div></div></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td></tr><tr style="height:12pt"><td style="border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:54pt;width:273.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:273.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:8.3pt;position:var(--position);text-decoration:none;white-space:pre">Loans and advances to customers</span></div></div></div></td><td style="border-left:0.5pt solid #000;border-right:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:273.75pt;position:var(--position);top:54pt;width:48pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:48pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:37.59pt"></span></span><span style="left:40.220000000000006pt;position:var(--position)">–<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="border-left:0.5pt solid #000;border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-left:0.5pt solid #000;border-right:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:327pt;position:var(--position);top:54pt;width:48pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:48pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:24.01pt"></span></span><span style="left:26.64pt;position:var(--position)">1,216<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="border-left:0.5pt solid #000;border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-left:0.5pt solid #000;border-right:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:380.25pt;position:var(--position);top:54pt;width:48pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:48pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:28.1pt"></span></span><span style="left:30.73pt;position:var(--position)">237<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="border-left:0.5pt solid #000;border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-left:0.5pt solid #000;border-right:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:433.5pt;position:var(--position);top:54pt;width:48pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:48pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:21.97pt"></span></span><span style="left:24.599999999999998pt;position:var(--position)">1,453<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:66pt;width:273.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:273.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:8.3pt;position:var(--position);text-decoration:none;white-space:pre">Debt securities</span></div></div></div></td><td style="border-left:0.5pt solid #000;border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:273.75pt;position:var(--position);top:66pt;width:48pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:48pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:37.59pt"></span></span><span style="left:40.220000000000006pt;position:var(--position)">–<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="border-left:0.5pt solid #000;border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-left:0.5pt solid #000;border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:327pt;position:var(--position);top:66pt;width:48pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:48pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:37.59pt"></span></span><span style="left:40.220000000000006pt;position:var(--position)">–<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="border-left:0.5pt solid #000;border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-left:0.5pt solid #000;border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:380.25pt;position:var(--position);top:66pt;width:48pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:48pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:37.35pt"></span></span><span style="left:39.980000000000004pt;position:var(--position)">7<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="border-left:0.5pt solid #000;border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-left:0.5pt solid #000;border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:433.5pt;position:var(--position);top:66pt;width:48pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:48pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:37.35pt"></span></span><span style="left:39.980000000000004pt;position:var(--position)">7<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:78pt;width:273.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:273.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:8.3pt;position:var(--position);text-decoration:none;white-space:pre">Equity shares</span></div></div></div></td><td style="border-bottom:0.5pt solid #000;border-left:0.5pt solid #000;border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:273.75pt;position:var(--position);top:78pt;width:48pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:48pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:27.09pt"></span></span><span style="left:29.72pt;position:var(--position)">296<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="border-left:0.5pt solid #000;border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;border-left:0.5pt solid #000;border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:327pt;position:var(--position);top:78pt;width:48pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:48pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:37.59pt"></span></span><span style="left:40.220000000000006pt;position:var(--position)">–<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="border-left:0.5pt solid #000;border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;border-left:0.5pt solid #000;border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:380.25pt;position:var(--position);top:78pt;width:48pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:48pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:36.96pt"></span></span><span style="left:39.59pt;position:var(--position)">5<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="border-left:0.5pt solid #000;border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;border-left:0.5pt solid #000;border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:433.5pt;position:var(--position);top:78pt;width:48pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:48pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:28.67pt"></span></span><span style="left:31.3pt;position:var(--position)">301<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:90pt;width:273.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:273.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Total financial assets at fair value through profit or loss</span></div></div></div></td><td style="border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:273.75pt;position:var(--position);top:90pt;width:48pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:48pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:27.09pt"></span></span><span style="left:29.72pt;position:var(--position)">296<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:327pt;position:var(--position);top:90pt;width:48pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:48pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:24.01pt"></span></span><span style="left:26.64pt;position:var(--position)">1,216<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:380.25pt;position:var(--position);top:90pt;width:48pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:48pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:26.95pt"></span></span><span style="left:29.58pt;position:var(--position)">249<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:433.5pt;position:var(--position);top:90pt;width:48pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:48pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:24.31pt"></span></span><span style="left:26.939999999999998pt;position:var(--position)">1,761<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:102pt;width:273.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:273.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Debt securities at fair value through other comprehensive income</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:273.75pt;position:var(--position);top:102pt;width:48pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:48pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:17.92pt"></span></span><span style="left:20.55pt;position:var(--position)">25,351<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:327pt;position:var(--position);top:102pt;width:48pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:48pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:16.72pt"></span></span><span style="left:19.349999999999998pt;position:var(--position)">14,965<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:380.25pt;position:var(--position);top:102pt;width:48pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:48pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:31.49pt"></span></span><span style="left:34.12pt;position:var(--position)">49<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:433.5pt;position:var(--position);top:102pt;width:48pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:48pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:14.58pt"></span></span><span style="left:17.21pt;position:var(--position)">40,365<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:114pt;width:273.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:273.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Derivative financial instruments</span></div></div></div></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:273.75pt;position:var(--position);top:114pt;width:48pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:48pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:37.59pt"></span></span><span style="left:40.220000000000006pt;position:var(--position)">–<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:327pt;position:var(--position);top:114pt;width:48pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:48pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:19.23pt"></span></span><span style="left:21.86pt;position:var(--position)">3,088<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:380.25pt;position:var(--position);top:114pt;width:48pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:48pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:37.59pt"></span></span><span style="left:40.220000000000006pt;position:var(--position)">–<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:433.5pt;position:var(--position);top:114pt;width:48pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:48pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:19.23pt"></span></span><span style="left:21.86pt;position:var(--position)">3,088<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:126pt;width:273.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:273.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Total financial assets carried at fair value</span></div></div></div></td><td style="border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:273.75pt;position:var(--position);top:126pt;width:48pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:48pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:15.82pt"></span></span><span style="left:18.45pt;position:var(--position)">25,647<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:327pt;position:var(--position);top:126pt;width:48pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:48pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:16.95pt"></span></span><span style="left:19.58pt;position:var(--position)">19,269<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:380.25pt;position:var(--position);top:126pt;width:48pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:48pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:27.03pt"></span></span><span style="left:29.66pt;position:var(--position)">298<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:433.5pt;position:var(--position);top:126pt;width:48pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:48pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:17.02pt"></span></span><span style="left:19.65pt;position:var(--position)">45,214<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td></tr><tr style="height:8.25pt"><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:146.25pt;width:273.75pt"><div><div style="font-size:12pt;line-height:8pt;position:var(--position);top:2.63pt;width:273.75pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">At 31 December </span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:63.64pt;position:var(--position);text-decoration:none;white-space:pre">2025</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:158.25pt;width:273.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:273.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Financial assets at fair value through profit or loss:</span></div></div></div></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td></tr><tr style="height:12pt"><td style="border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:170.25pt;width:273.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:273.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:8.3pt;position:var(--position);text-decoration:none;white-space:pre">Loans and advances to customers</span></div></div></div></td><td style="border-left:0.5pt solid #000;border-right:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:273.75pt;position:var(--position);top:170.25pt;width:48pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:48pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:37.59pt"></span></span><span style="left:40.220000000000006pt;position:var(--position)">–<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="border-left:0.5pt solid #000;border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-left:0.5pt solid #000;border-right:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:327pt;position:var(--position);top:170.25pt;width:48pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:48pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:26.72pt"></span></span><span style="left:29.349999999999998pt;position:var(--position)">1,711<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="border-left:0.5pt solid #000;border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-left:0.5pt solid #000;border-right:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:380.25pt;position:var(--position);top:170.25pt;width:48pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:48pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:27.6pt"></span></span><span style="left:30.23pt;position:var(--position)">282<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="border-left:0.5pt solid #000;border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-left:0.5pt solid #000;border-right:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:433.5pt;position:var(--position);top:170.25pt;width:48pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:48pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:22.02pt"></span></span><span style="left:24.65pt;position:var(--position)">1,993<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:182.25pt;width:273.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:273.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:8.3pt;position:var(--position);text-decoration:none;white-space:pre">Debt securities</span></div></div></div></td><td style="border-left:0.5pt solid #000;border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:273.75pt;position:var(--position);top:182.25pt;width:48pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:48pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:37.59pt"></span></span><span style="left:40.220000000000006pt;position:var(--position)">–<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="border-left:0.5pt solid #000;border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-left:0.5pt solid #000;border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:327pt;position:var(--position);top:182.25pt;width:48pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:48pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:37.59pt"></span></span><span style="left:40.220000000000006pt;position:var(--position)">–<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="border-left:0.5pt solid #000;border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-left:0.5pt solid #000;border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:380.25pt;position:var(--position);top:182.25pt;width:48pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:48pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:37.59pt"></span></span><span style="left:40.220000000000006pt;position:var(--position)">–<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="border-left:0.5pt solid #000;border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-left:0.5pt solid #000;border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:433.5pt;position:var(--position);top:182.25pt;width:48pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:48pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:37.59pt"></span></span><span style="left:40.220000000000006pt;position:var(--position)">–<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:194.25pt;width:273.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:273.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:8.3pt;position:var(--position);text-decoration:none;white-space:pre">Equity shares</span></div></div></div></td><td style="border-bottom:0.5pt solid #000;border-left:0.5pt solid #000;border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:273.75pt;position:var(--position);top:194.25pt;width:48pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:48pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:29.27pt"></span></span><span style="left:31.9pt;position:var(--position)">281<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="border-left:0.5pt solid #000;border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;border-left:0.5pt solid #000;border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:327pt;position:var(--position);top:194.25pt;width:48pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:48pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:37.59pt"></span></span><span style="left:40.220000000000006pt;position:var(--position)">–<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="border-left:0.5pt solid #000;border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;border-left:0.5pt solid #000;border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:380.25pt;position:var(--position);top:194.25pt;width:48pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:48pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:36.99pt"></span></span><span style="left:39.620000000000005pt;position:var(--position)">5<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="border-left:0.5pt solid #000;border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;border-left:0.5pt solid #000;border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:433.5pt;position:var(--position);top:194.25pt;width:48pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:48pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:27.17pt"></span></span><span style="left:29.8pt;position:var(--position)">286<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:206.25pt;width:273.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:273.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Total financial assets at fair value through profit or loss</span></div></div></div></td><td style="border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:273.75pt;position:var(--position);top:206.25pt;width:48pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:48pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:29.27pt"></span></span><span style="left:31.9pt;position:var(--position)">281<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:327pt;position:var(--position);top:206.25pt;width:48pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:48pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:26.72pt"></span></span><span style="left:29.349999999999998pt;position:var(--position)">1,711<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:380.25pt;position:var(--position);top:206.25pt;width:48pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:48pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:27.91pt"></span></span><span style="left:30.54pt;position:var(--position)">287<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:433.5pt;position:var(--position);top:206.25pt;width:48pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:48pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:21.28pt"></span></span><span style="left:23.91pt;position:var(--position)">2,279<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:218.25pt;width:273.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:273.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Debt securities at fair value through other comprehensive income</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:273.75pt;position:var(--position);top:218.25pt;width:48pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:48pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:16.62pt"></span></span><span style="left:19.25pt;position:var(--position)">24,140<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:327pt;position:var(--position);top:218.25pt;width:48pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:48pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:17.7pt"></span></span><span style="left:20.33pt;position:var(--position)">12,067<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:380.25pt;position:var(--position);top:218.25pt;width:48pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:48pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:31.74pt"></span></span><span style="left:34.37pt;position:var(--position)">50<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:433.5pt;position:var(--position);top:218.25pt;width:48pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:48pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:16.49pt"></span></span><span style="left:19.119999999999997pt;position:var(--position)">36,257<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:230.25pt;width:273.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:273.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Derivative financial instruments</span></div></div></div></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:273.75pt;position:var(--position);top:230.25pt;width:48pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:48pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:37.59pt"></span></span><span style="left:40.220000000000006pt;position:var(--position)">–<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:327pt;position:var(--position);top:230.25pt;width:48pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:48pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:20.02pt"></span></span><span style="left:22.65pt;position:var(--position)">3,260<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:380.25pt;position:var(--position);top:230.25pt;width:48pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:48pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:37.59pt"></span></span><span style="left:40.220000000000006pt;position:var(--position)">–<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:433.5pt;position:var(--position);top:230.25pt;width:48pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:48pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:20.02pt"></span></span><span style="left:22.65pt;position:var(--position)">3,260<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:242.25pt;width:273.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:273.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Total financial assets carried at fair value</span></div></div></div></td><td style="border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:273.75pt;position:var(--position);top:242.25pt;width:48pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:48pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:17.38pt"></span></span><span style="left:20.009999999999998pt;position:var(--position)">24,421<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:327pt;position:var(--position);top:242.25pt;width:48pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:48pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:17.42pt"></span></span><span style="left:20.05pt;position:var(--position)">17,038<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:380.25pt;position:var(--position);top:242.25pt;width:48pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:48pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:28.05pt"></span></span><span style="left:30.68pt;position:var(--position)">337<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:433.5pt;position:var(--position);top:242.25pt;width:48pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:48pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:17.43pt"></span></span><span style="left:20.06pt;position:var(--position)">41,796<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td></tr></tbody></table></div></div></div><div style="position:var(--position);top:407.34pt;width:594.99pt"><div style="font-size:0pt;left:56.69pt;position:var(--position);width:481.5pt"><div><table style="border-collapse:collapse;display:inline-table;width:100%"><tbody><tr style="height:0"><td style="padding:0;width:273.75pt"></td><td style="padding:0;width:48pt"></td><td style="padding:0;width:5.25pt"></td><td style="padding:0;width:48pt"></td><td style="padding:0;width:5.25pt"></td><td style="padding:0;width:48pt"></td><td style="padding:0;width:5.25pt"></td><td style="padding:0;width:48pt"></td></tr><tr style="height:20.25pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);width:273.75pt"><div><div style="line-height:8pt;position:var(--position);top:10.75pt;width:273.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Financial liabilities</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:273.75pt;position:var(--position);width:48pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:48pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:20.85pt;position:var(--position);text-decoration:none;white-space:pre">Level 1</span></div><div style="line-height:8pt;position:var(--position);top:12.23pt;width:48pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:33.72pt;position:var(--position);text-decoration:none;white-space:pre">£m</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:327pt;position:var(--position);width:48pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:48pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:19.21pt;position:var(--position);text-decoration:none;white-space:pre">Level 2</span></div><div style="line-height:8pt;position:var(--position);top:12.23pt;width:48pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:33.72pt;position:var(--position);text-decoration:none;white-space:pre">£m</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:380.25pt;position:var(--position);width:48pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:48pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:19.04pt;position:var(--position);text-decoration:none;white-space:pre">Level 3</span></div><div style="line-height:8pt;position:var(--position);top:12.23pt;width:48pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:33.72pt;position:var(--position);text-decoration:none;white-space:pre">£m</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:433.5pt;position:var(--position);width:48pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:48pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:25.56pt;position:var(--position);text-decoration:none;white-space:pre">Total</span></div><div style="line-height:8pt;position:var(--position);top:12.23pt;width:48pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:33.72pt;position:var(--position);text-decoration:none;white-space:pre">£m</span></div></div></div></td></tr><tr style="height:6pt"><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:26.25pt;width:273.75pt"><div><div style="font-size:12pt;line-height:8pt;position:var(--position);top:2.63pt;width:273.75pt"><span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">At 30 June </span><span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:43.99pt;position:var(--position);text-decoration:none;white-space:pre">2026</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:38.25pt;width:273.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:273.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Debt securities in issue designated at fair value through profit or loss </span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:273.75pt;position:var(--position);top:38.25pt;width:48pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:48pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:37.59pt"></span></span><span style="left:40.220000000000006pt;position:var(--position)">–<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:327pt;position:var(--position);top:38.25pt;width:48pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:48pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:22.23pt"></span></span><span style="left:24.86pt;position:var(--position)">4,221<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:380.25pt;position:var(--position);top:38.25pt;width:48pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:48pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:34.45pt"></span></span><span style="left:37.080000000000005pt;position:var(--position)">17<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:433.5pt;position:var(--position);top:38.25pt;width:48pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:48pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:19.92pt"></span></span><span style="left:22.55pt;position:var(--position)">4,238<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:50.25pt;width:273.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:273.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Derivative financial instruments</span></div></div></div></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:273.75pt;position:var(--position);top:50.25pt;width:48pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:48pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:37.59pt"></span></span><span style="left:40.220000000000006pt;position:var(--position)">–<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:327pt;position:var(--position);top:50.25pt;width:48pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:48pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:20pt"></span></span><span style="left:22.63pt;position:var(--position)">4,285<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:380.25pt;position:var(--position);top:50.25pt;width:48pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:48pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:29.14pt"></span></span><span style="left:31.77pt;position:var(--position)">107<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:433.5pt;position:var(--position);top:50.25pt;width:48pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:48pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:19.98pt"></span></span><span style="left:22.61pt;position:var(--position)">4,392<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:62.25pt;width:273.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:273.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Total financial liabilities carried at fair value</span></div></div></div></td><td style="border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:273.75pt;position:var(--position);top:62.25pt;width:48pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:48pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:37.59pt"></span></span><span style="left:40.220000000000006pt;position:var(--position)">–<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:327pt;position:var(--position);top:62.25pt;width:48pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:48pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:19.37pt"></span></span><span style="left:22pt;position:var(--position)">8,506<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:380.25pt;position:var(--position);top:62.25pt;width:48pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:48pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:29.03pt"></span></span><span style="left:31.66pt;position:var(--position)">124<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:433.5pt;position:var(--position);top:62.25pt;width:48pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:48pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:19.29pt"></span></span><span style="left:21.919999999999998pt;position:var(--position)">8,630<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td></tr><tr style="height:6pt"><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:80.25pt;width:273.75pt"><div><div style="font-size:12pt;line-height:8pt;position:var(--position);top:2.63pt;width:273.75pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">At 31 December </span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:63.64pt;position:var(--position);text-decoration:none;white-space:pre">2025</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:92.25pt;width:273.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:273.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Debt securities in issue designated at fair value through profit or loss</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:273.75pt;position:var(--position);top:92.25pt;width:48pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:48pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:37.59pt"></span></span><span style="left:40.220000000000006pt;position:var(--position)">–<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:327pt;position:var(--position);top:92.25pt;width:48pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:48pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:20.37pt"></span></span><span style="left:23pt;position:var(--position)">4,226<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:380.25pt;position:var(--position);top:92.25pt;width:48pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:48pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:34.59pt"></span></span><span style="left:37.220000000000006pt;position:var(--position)">17<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:433.5pt;position:var(--position);top:92.25pt;width:48pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:48pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:20.01pt"></span></span><span style="left:22.64pt;position:var(--position)">4,243<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:104.25pt;width:273.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:273.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Derivative financial instruments</span></div></div></div></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:273.75pt;position:var(--position);top:104.25pt;width:48pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:48pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:37.59pt"></span></span><span style="left:40.220000000000006pt;position:var(--position)">–<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:327pt;position:var(--position);top:104.25pt;width:48pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:48pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:21.52pt"></span></span><span style="left:24.15pt;position:var(--position)">4,168<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:380.25pt;position:var(--position);top:104.25pt;width:48pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:48pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:30.94pt"></span></span><span style="left:33.57pt;position:var(--position)">118<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:433.5pt;position:var(--position);top:104.25pt;width:48pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:48pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:19.85pt"></span></span><span style="left:22.48pt;position:var(--position)">4,286<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:116.25pt;width:273.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:273.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Total financial liabilities carried at fair value</span></div></div></div></td><td style="border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:273.75pt;position:var(--position);top:116.25pt;width:48pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:48pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:37.59pt"></span></span><span style="left:40.220000000000006pt;position:var(--position)">–<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:327pt;position:var(--position);top:116.25pt;width:48pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:48pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:19.66pt"></span></span><span style="left:22.29pt;position:var(--position)">8,394<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:380.25pt;position:var(--position);top:116.25pt;width:48pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:48pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:29.49pt"></span></span><span style="left:32.12pt;position:var(--position)">135<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:433.5pt;position:var(--position);top:116.25pt;width:48pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:48pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:20.34pt"></span></span><span style="left:22.97pt;position:var(--position)">8,529<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td></tr></tbody></table></div></div></div><div style="font-size:12pt;line-height:9pt;position:var(--position);top:548.59pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:9pt;font-style:normal;font-weight:bold;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre">Valuation control framework</span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:562.39pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:481.49pt">Key elements of the valuation control framework include model validation (incorporating pre-trade and post-trade</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.1800000000001pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:574.99pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:481.52pt">testing), product implementation review and independent price verification. The framework covers processes for</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.21pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:587.59pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:481.6pt">all 3 levels in the fair value hierarchy. Formal committees meet quarterly to discuss and approve valuations in more</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.29pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:600.19pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:79.15pt">judgemental areas.</span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);top:620.79pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:9pt;font-style:normal;font-weight:bold;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre">Transfers into and out of level 3 portfolios</span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:634.59pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:481.47pt">Transfers out of level 3 portfolios arise when inputs that could have a significant impact on the instrument’s</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.1600000000001pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:647.19pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:481.56pt">valuation become market observable; conversely, transfers into the portfolios arise when sources of data cease to</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.25pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:659.79pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:60.94pt">be observable.</span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);top:680.39pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:9pt;font-style:normal;font-weight:bold;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre">Valuation methodology</span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:694.19pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:481.52pt">For level 2 and level 3 portfolios, there is no significant change to the valuation methodology (techniques and</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.21pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:706.79pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:383.82pt">inputs) disclosed in the Group’s financial statements for the year ended 31 December </span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:440.51pt;position:var(--position);text-decoration:none;white-space:pre;width:21.19pt">2025</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:461.7pt;position:var(--position);text-decoration:none;white-space:pre;width:76.53pt"> applied to these</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.23pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:719.39pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:43.05pt">portfolios.</span></div></div><div><div style="font-size:12pt;line-height:9pt;position:var(--position);top:56.69pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:9pt;font-style:normal;font-weight:bold;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre">NOTES TO THE CONDENSED CONSOLIDATED HALF-YEAR FINANCIAL STATEMENTS (UNAUDITED)</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:485.73pt;position:var(--position);text-decoration:none;white-space:pre"> (continued)</span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);top:75.49pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:9pt;font-style:normal;font-weight:bold;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre">Note 9: Fair values of financial assets and liabilities</span><span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:9pt;font-style:normal;font-weight:bold;left:274.08pt;position:var(--position);text-decoration:none;white-space:pre"> </span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:276.15pt;position:var(--position);text-decoration:none;white-space:pre">(continued)</span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);top:94.29pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:9pt;font-style:normal;font-weight:bold;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre">Movements in level 3 portfolio</span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:108.09pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:318.89pt">The tables below analyse movements in the level 3 financial assets portfolio.</span></div><div style="position:var(--position);top:128.69pt;width:594.99pt"><div style="font-size:0pt;left:56.69pt;position:var(--position);width:481.5pt"><div><table style="border-collapse:collapse;display:inline-table;width:100%"><tbody><tr style="height:0"><td style="padding:0;width:270.75pt"></td><td style="padding:0;width:68.25pt"></td><td style="padding:0;width:3pt"></td><td style="padding:0;width:68.25pt"></td><td style="padding:0;width:3pt"></td><td style="padding:0;width:68.25pt"></td></tr><tr style="height:69.75pt"><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:270.75pt;position:var(--position);width:68.25pt"><div><div style="line-height:8pt;position:var(--position);top:12.25pt;width:68.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:32.07pt;position:var(--position);text-decoration:none;white-space:pre">Financial</span></div><div style="line-height:8pt;position:var(--position);top:21.85pt;width:68.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:32.86pt;position:var(--position);text-decoration:none;white-space:pre">assets at</span></div><div style="line-height:8pt;position:var(--position);top:31.45pt;width:68.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:31.17pt;position:var(--position);text-decoration:none;white-space:pre">fair value</span></div><div style="line-height:8pt;position:var(--position);top:41.05pt;width:68.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:35.96pt;position:var(--position);text-decoration:none;white-space:pre">through</span></div><div style="line-height:8pt;position:var(--position);top:50.65pt;width:68.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:18.6pt;position:var(--position);text-decoration:none;white-space:pre">profit or loss</span></div><div style="line-height:8pt;position:var(--position);top:60.25pt;width:68.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:53.97pt;position:var(--position);text-decoration:none;white-space:pre">£m</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:342pt;position:var(--position);width:68.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.65pt;width:68.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:32.07pt;position:var(--position);text-decoration:none;white-space:pre">Financial</span></div><div style="line-height:8pt;position:var(--position);top:12.25pt;width:68.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:32.86pt;position:var(--position);text-decoration:none;white-space:pre">assets at</span></div><div style="line-height:8pt;position:var(--position);top:21.85pt;width:68.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:31.17pt;position:var(--position);text-decoration:none;white-space:pre">fair value </span></div><div style="line-height:8pt;position:var(--position);top:31.45pt;width:68.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:13.5pt;position:var(--position);text-decoration:none;white-space:pre">through other </span></div><div style="line-height:8pt;position:var(--position);top:41.05pt;width:68.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:8.86pt;position:var(--position);text-decoration:none;white-space:pre">comprehensive </span></div><div style="line-height:8pt;position:var(--position);top:50.65pt;width:68.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:38.13pt;position:var(--position);text-decoration:none;white-space:pre">income</span></div><div style="line-height:8pt;position:var(--position);top:60.25pt;width:68.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:53.97pt;position:var(--position);text-decoration:none;white-space:pre">£m</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:413.25pt;position:var(--position);width:68.25pt"><div><div style="line-height:8pt;position:var(--position);top:12.25pt;width:68.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:45.81pt;position:var(--position);text-decoration:none;white-space:pre">Total</span></div><div style="line-height:8pt;position:var(--position);top:21.85pt;width:68.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:33.7pt;position:var(--position);text-decoration:none;white-space:pre">financial</span></div><div style="line-height:8pt;position:var(--position);top:31.45pt;width:68.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:42.8pt;position:var(--position);text-decoration:none;white-space:pre">assets</span></div><div style="line-height:8pt;position:var(--position);top:41.05pt;width:68.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:29.56pt;position:var(--position);text-decoration:none;white-space:pre">carried at</span></div><div style="line-height:8pt;position:var(--position);top:50.65pt;width:68.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:31.17pt;position:var(--position);text-decoration:none;white-space:pre">fair value</span></div><div style="line-height:8pt;position:var(--position);top:60.25pt;width:68.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:53.97pt;position:var(--position);text-decoration:none;white-space:pre">£m</span></div></div></div></td></tr><tr style="height:15.75pt"><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td></tr><tr style="height:12.75pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:85.5pt;width:270.75pt"><div><div style="font-size:12pt;line-height:8pt;position:var(--position);top:3.25pt;width:270.75pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">At 1 January </span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:48.2pt;position:var(--position);text-decoration:none;white-space:pre">2026</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:270.75pt;position:var(--position);top:85.5pt;width:68.25pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:68.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:48.02pt"></span></span><span style="left:50.650000000000006pt;position:var(--position)">287<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:342pt;position:var(--position);top:85.5pt;width:68.25pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:68.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:51.9pt"></span></span><span style="left:54.53pt;position:var(--position)">50<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:413.25pt;position:var(--position);top:85.5pt;width:68.25pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:68.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:48.18pt"></span></span><span style="left:50.81pt;position:var(--position)">337<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td></tr><tr style="height:12.75pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:98.25pt;width:270.75pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:270.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Exchange and other adjustments</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:270.75pt;position:var(--position);top:98.25pt;width:68.25pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:68.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:57.84pt"></span></span><span style="left:60.470000000000006pt;position:var(--position)">–<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:342pt;position:var(--position);top:98.25pt;width:68.25pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:68.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:55.91pt"></span></span><span style="left:58.54pt;position:var(--position)">(1)</span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:413.25pt;position:var(--position);top:98.25pt;width:68.25pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:68.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:55.91pt"></span></span><span style="left:58.54pt;position:var(--position)">(1)</span></span></div></div></div></td></tr><tr style="height:12.75pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:111pt;width:270.75pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:270.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">(Losses) gains recognised in the income statement within other income</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:270.75pt;position:var(--position);top:111pt;width:68.25pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:68.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:53.83pt"></span></span><span style="left:56.46pt;position:var(--position)">(6)</span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:342pt;position:var(--position);top:111pt;width:68.25pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:68.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:58.94pt"></span></span><span style="left:61.57pt;position:var(--position)">1<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:413.25pt;position:var(--position);top:111pt;width:68.25pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:68.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:54.18pt"></span></span><span style="left:56.81pt;position:var(--position)">(5)</span></span></div></div></div></td></tr><tr style="height:12.75pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:123.75pt;width:270.75pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:270.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Purchases/increases</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:270.75pt;position:var(--position);top:123.75pt;width:68.25pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:68.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:56.86pt"></span></span><span style="left:59.49pt;position:var(--position)">9<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:342pt;position:var(--position);top:123.75pt;width:68.25pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:68.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:57.84pt"></span></span><span style="left:60.470000000000006pt;position:var(--position)">–<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:413.25pt;position:var(--position);top:123.75pt;width:68.25pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:68.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:56.86pt"></span></span><span style="left:59.49pt;position:var(--position)">9<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td></tr><tr style="height:12.75pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:136.5pt;width:270.75pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:270.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Sales/repayments</span></div></div></div></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:270.75pt;position:var(--position);top:136.5pt;width:68.25pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:68.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:50.79pt"></span></span><span style="left:53.42pt;position:var(--position)">(41)</span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:342pt;position:var(--position);top:136.5pt;width:68.25pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:68.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:55.91pt"></span></span><span style="left:58.54pt;position:var(--position)">(1)</span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:413.25pt;position:var(--position);top:136.5pt;width:68.25pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:68.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:49.15pt"></span></span><span style="left:51.78pt;position:var(--position)">(42)</span></span></div></div></div></td></tr><tr style="height:12.75pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:149.25pt;width:270.75pt"><div><div style="font-size:12pt;line-height:8pt;position:var(--position);top:3.25pt;width:270.75pt"><span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">At 30 June </span><span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:43.99pt;position:var(--position);text-decoration:none;white-space:pre">2026</span></div></div></div></td><td style="border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:270.75pt;position:var(--position);top:149.25pt;width:68.25pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:68.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:47.2pt"></span></span><span style="left:49.830000000000005pt;position:var(--position)">249<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:342pt;position:var(--position);top:149.25pt;width:68.25pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:68.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:51.74pt"></span></span><span style="left:54.370000000000005pt;position:var(--position)">49<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:413.25pt;position:var(--position);top:149.25pt;width:68.25pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:68.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:47.28pt"></span></span><span style="left:49.910000000000004pt;position:var(--position)">298<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td></tr><tr style="height:32.25pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:162pt;width:270.75pt"><div><div style="line-height:8pt;position:var(--position);top:3.55pt;width:270.75pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">(Losses) gains recognised in the income statement, within other </span></div><div style="line-height:8pt;position:var(--position);top:13.15pt;width:270.75pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">income, relating to the change in fair value of those assets held at 30 </span></div><div style="font-size:12pt;line-height:8pt;position:var(--position);top:22.75pt;width:270.75pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">June </span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:20.82pt;position:var(--position);text-decoration:none;white-space:pre">2026</span></div></div></div></td><td style="border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:270.75pt;position:var(--position);top:162pt;width:68.25pt"><div><div style="line-height:8pt;position:var(--position);top:22.75pt;width:68.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:53.69pt"></span></span><span style="left:56.32pt;position:var(--position)">(4)</span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:342pt;position:var(--position);top:162pt;width:68.25pt"><div><div style="line-height:8pt;position:var(--position);top:22.75pt;width:68.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:58.94pt"></span></span><span style="left:61.57pt;position:var(--position)">1<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:413.25pt;position:var(--position);top:162pt;width:68.25pt"><div><div style="line-height:8pt;position:var(--position);top:22.75pt;width:68.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:54.1pt"></span></span><span style="left:56.730000000000004pt;position:var(--position)">(3)</span></span></div></div></div></td></tr></tbody></table></div></div></div><div style="position:var(--position);top:335.94pt;width:594.99pt"><div style="font-size:0pt;left:56.69pt;position:var(--position);width:481.5pt"><div><table style="border-collapse:collapse;display:inline-table;width:100%"><tbody><tr style="height:0"><td style="padding:0;width:270.75pt"></td><td style="padding:0;width:68.25pt"></td><td style="padding:0;width:3pt"></td><td style="padding:0;width:68.25pt"></td><td style="padding:0;width:3pt"></td><td style="padding:0;width:68.25pt"></td></tr><tr style="height:12.75pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);width:270.75pt"><div><div style="font-size:12pt;line-height:8pt;position:var(--position);top:3.25pt;width:270.75pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">At 1 January </span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:48.2pt;position:var(--position);text-decoration:none;white-space:pre">2025</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:270.75pt;position:var(--position);width:68.25pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:68.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:47.16pt"></span></span><span style="left:49.79pt;position:var(--position)">280<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:342pt;position:var(--position);width:68.25pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:68.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:51.81pt"></span></span><span style="left:54.440000000000005pt;position:var(--position)">48<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:413.25pt;position:var(--position);width:68.25pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:68.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:47.73pt"></span></span><span style="left:50.36pt;position:var(--position)">328<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td></tr><tr style="height:12.75pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:12.75pt;width:270.75pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:270.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Exchange and other adjustments</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:270.75pt;position:var(--position);top:12.75pt;width:68.25pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:68.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:57.91pt"></span></span><span style="left:60.54pt;position:var(--position)">–<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:342pt;position:var(--position);top:12.75pt;width:68.25pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:68.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:57.42pt"></span></span><span style="left:60.050000000000004pt;position:var(--position)">2<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:413.25pt;position:var(--position);top:12.75pt;width:68.25pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:68.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:57.42pt"></span></span><span style="left:60.050000000000004pt;position:var(--position)">2<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td></tr><tr style="height:12.75pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:25.5pt;width:270.75pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:270.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">(Losses) gains recognised in the income statement within other income</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:270.75pt;position:var(--position);top:25.5pt;width:68.25pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:68.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:51.21pt"></span></span><span style="left:53.84pt;position:var(--position)">(16)</span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:342pt;position:var(--position);top:25.5pt;width:68.25pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:68.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:57.42pt"></span></span><span style="left:60.050000000000004pt;position:var(--position)">2<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:413.25pt;position:var(--position);top:25.5pt;width:68.25pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:68.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:51.04pt"></span></span><span style="left:53.67pt;position:var(--position)">(14)</span></span></div></div></div></td></tr><tr style="height:21.75pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:38.25pt;width:270.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.65pt;width:270.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Losses recognised in other comprehensive income within the </span></div><div style="line-height:8pt;position:var(--position);top:12.25pt;width:270.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">revaluation reserve in respect of financial assets at FVOCI</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:270.75pt;position:var(--position);top:38.25pt;width:68.25pt"><div><div style="line-height:8pt;position:var(--position);top:12.25pt;width:68.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:57.91pt"></span></span><span style="left:60.54pt;position:var(--position)">–<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:342pt;position:var(--position);top:38.25pt;width:68.25pt"><div><div style="line-height:8pt;position:var(--position);top:12.25pt;width:68.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:56.13pt"></span></span><span style="left:58.760000000000005pt;position:var(--position)">(1)</span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:413.25pt;position:var(--position);top:38.25pt;width:68.25pt"><div><div style="line-height:8pt;position:var(--position);top:12.25pt;width:68.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:56.13pt"></span></span><span style="left:58.760000000000005pt;position:var(--position)">(1)</span></span></div></div></div></td></tr><tr style="height:12.75pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:60pt;width:270.75pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:270.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Purchases/increases</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:270.75pt;position:var(--position);top:60pt;width:68.25pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:68.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:54pt"></span></span><span style="left:56.63pt;position:var(--position)">14<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:342pt;position:var(--position);top:60pt;width:68.25pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:68.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:57.91pt"></span></span><span style="left:60.54pt;position:var(--position)">–<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:413.25pt;position:var(--position);top:60pt;width:68.25pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:68.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:54pt"></span></span><span style="left:56.63pt;position:var(--position)">14<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td></tr><tr style="height:12.75pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:72.75pt;width:270.75pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:270.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Sales/repayments</span></div></div></div></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:270.75pt;position:var(--position);top:72.75pt;width:68.25pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:68.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:51.12pt"></span></span><span style="left:53.75pt;position:var(--position)">(18)</span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:342pt;position:var(--position);top:72.75pt;width:68.25pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:68.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:54.46pt"></span></span><span style="left:57.09pt;position:var(--position)">(2)</span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:413.25pt;position:var(--position);top:72.75pt;width:68.25pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:68.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:49.21pt"></span></span><span style="left:51.84pt;position:var(--position)">(20)</span></span></div></div></div></td></tr><tr style="height:12.75pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:85.5pt;width:270.75pt"><div><div style="font-size:12pt;line-height:8pt;position:var(--position);top:3.25pt;width:270.75pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">At 30 June </span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:43.75pt;position:var(--position);text-decoration:none;white-space:pre">2025</span></div></div></div></td><td style="border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:270.75pt;position:var(--position);top:85.5pt;width:68.25pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:68.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:47.25pt"></span></span><span style="left:49.88pt;position:var(--position)">260<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:342pt;position:var(--position);top:85.5pt;width:68.25pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:68.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:51.9pt"></span></span><span style="left:54.53pt;position:var(--position)">49<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:413.25pt;position:var(--position);top:85.5pt;width:68.25pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:68.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:47.06pt"></span></span><span style="left:49.690000000000005pt;position:var(--position)">309<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td></tr><tr style="height:32.25pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:98.25pt;width:270.75pt"><div><div style="line-height:8pt;position:var(--position);top:3.55pt;width:270.75pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">(Losses) gains recognised in the income statement, within other </span></div><div style="line-height:8pt;position:var(--position);top:13.15pt;width:270.75pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">income, relating to the change in fair value of those assets held at 30 </span></div><div style="font-size:12pt;line-height:8pt;position:var(--position);top:22.75pt;width:270.75pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">June </span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:20.82pt;position:var(--position);text-decoration:none;white-space:pre">2025</span></div></div></div></td><td style="border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:270.75pt;position:var(--position);top:98.25pt;width:68.25pt"><div><div style="line-height:8pt;position:var(--position);top:22.75pt;width:68.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:51.21pt"></span></span><span style="left:53.84pt;position:var(--position)">(16)</span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:342pt;position:var(--position);top:98.25pt;width:68.25pt"><div><div style="line-height:8pt;position:var(--position);top:22.75pt;width:68.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:57.23pt"></span></span><span style="left:59.86pt;position:var(--position)">3<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:413.25pt;position:var(--position);top:98.25pt;width:68.25pt"><div><div style="line-height:8pt;position:var(--position);top:22.75pt;width:68.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:51.45pt"></span></span><span style="left:54.080000000000005pt;position:var(--position)">(13)</span></span></div></div></div></td></tr></tbody></table></div></div></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:479.44pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:330.71pt">The tables below analyse movements in the level 3 financial liabilities portfolio.</span></div><div style="position:var(--position);top:500.04pt;width:594.99pt"><div style="font-size:0pt;left:56.69pt;position:var(--position);width:481.5pt"><div><table style="border-collapse:collapse;display:inline-table;width:100%"><tbody><tr style="height:0"><td style="padding:0;width:275.25pt"></td><td style="padding:0;width:65.25pt"></td><td style="padding:0;width:5.25pt"></td><td style="padding:0;width:65.25pt"></td><td style="padding:0;width:5.25pt"></td><td style="padding:0;width:65.25pt"></td></tr><tr style="height:60pt"><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:275.25pt;position:var(--position);width:65.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:65.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:29.07pt;position:var(--position);text-decoration:none;white-space:pre">Financial</span></div><div style="line-height:8pt;position:var(--position);top:12.23pt;width:65.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:29.04pt;position:var(--position);text-decoration:none;white-space:pre">liabilities</span></div><div style="line-height:8pt;position:var(--position);top:21.83pt;width:65.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:18.23pt;position:var(--position);text-decoration:none;white-space:pre">at fair value</span></div><div style="line-height:8pt;position:var(--position);top:31.43pt;width:65.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:32.96pt;position:var(--position);text-decoration:none;white-space:pre">through</span></div><div style="line-height:8pt;position:var(--position);top:41.03pt;width:65.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:15.6pt;position:var(--position);text-decoration:none;white-space:pre">profit or loss</span></div><div style="line-height:8pt;position:var(--position);top:50.63pt;width:65.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:50.97pt;position:var(--position);text-decoration:none;white-space:pre">£m</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:345.75pt;position:var(--position);width:65.25pt"><div><div style="line-height:8pt;position:var(--position);top:31.3pt;width:65.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:24.19pt;position:var(--position);text-decoration:none;white-space:pre">Derivative </span></div><div style="line-height:8pt;position:var(--position);top:40.9pt;width:65.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:29.04pt;position:var(--position);text-decoration:none;white-space:pre">liabilities</span></div><div style="line-height:8pt;position:var(--position);top:50.5pt;width:65.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:50.97pt;position:var(--position);text-decoration:none;white-space:pre">£m</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:416.25pt;position:var(--position);width:65.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:65.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:42.81pt;position:var(--position);text-decoration:none;white-space:pre">Total</span></div><div style="line-height:8pt;position:var(--position);top:12.23pt;width:65.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:30.7pt;position:var(--position);text-decoration:none;white-space:pre">financial</span></div><div style="line-height:8pt;position:var(--position);top:21.83pt;width:65.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:29.04pt;position:var(--position);text-decoration:none;white-space:pre">liabilities</span></div><div style="line-height:8pt;position:var(--position);top:31.43pt;width:65.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:26.56pt;position:var(--position);text-decoration:none;white-space:pre">carried at</span></div><div style="line-height:8pt;position:var(--position);top:41.03pt;width:65.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:28.17pt;position:var(--position);text-decoration:none;white-space:pre">fair value</span></div><div style="line-height:8pt;position:var(--position);top:50.63pt;width:65.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:50.97pt;position:var(--position);text-decoration:none;white-space:pre">£m</span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:72pt;width:275.25pt"><div><div style="font-size:12pt;line-height:8pt;position:var(--position);top:2.63pt;width:275.25pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">At 1 January </span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:48.2pt;position:var(--position);text-decoration:none;white-space:pre">2026</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:275.25pt;position:var(--position);top:72pt;width:65.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:65.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:51.7pt"></span></span><span style="left:54.330000000000005pt;position:var(--position)">17<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:345.75pt;position:var(--position);top:72pt;width:65.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:65.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:48pt"></span></span><span style="left:50.63pt;position:var(--position)">118<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:416.25pt;position:var(--position);top:72pt;width:65.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:65.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:46.6pt"></span></span><span style="left:49.230000000000004pt;position:var(--position)">135<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:84pt;width:275.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:275.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Losses (gains) recognised in the income statement within other income</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:275.25pt;position:var(--position);top:84pt;width:65.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:65.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:55.94pt"></span></span><span style="left:58.57pt;position:var(--position)">1<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:345.75pt;position:var(--position);top:84pt;width:65.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:65.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:51.1pt"></span></span><span style="left:53.730000000000004pt;position:var(--position)">(3)</span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:416.25pt;position:var(--position);top:84pt;width:65.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:65.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:51.27pt"></span></span><span style="left:53.900000000000006pt;position:var(--position)">(2)</span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:96pt;width:275.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:275.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Redemptions</span></div></div></div></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:275.25pt;position:var(--position);top:96pt;width:65.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:65.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:52.91pt"></span></span><span style="left:55.54pt;position:var(--position)">(1)</span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:345.75pt;position:var(--position);top:96pt;width:65.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:65.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:50.77pt"></span></span><span style="left:53.400000000000006pt;position:var(--position)">(8)</span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:416.25pt;position:var(--position);top:96pt;width:65.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:65.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:50.83pt"></span></span><span style="left:53.46pt;position:var(--position)">(9)</span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:108pt;width:275.25pt"><div><div style="font-size:12pt;line-height:8pt;position:var(--position);top:2.63pt;width:275.25pt"><span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">At 30 June </span><span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:43.99pt;position:var(--position);text-decoration:none;white-space:pre">2026</span></div></div></div></td><td style="border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:275.25pt;position:var(--position);top:108pt;width:65.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:65.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:51.7pt"></span></span><span style="left:54.330000000000005pt;position:var(--position)">17<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:345.75pt;position:var(--position);top:108pt;width:65.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:65.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:46.39pt"></span></span><span style="left:49.02pt;position:var(--position)">107<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:416.25pt;position:var(--position);top:108pt;width:65.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:65.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:46.28pt"></span></span><span style="left:48.910000000000004pt;position:var(--position)">124<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td></tr><tr style="height:33.75pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:120pt;width:275.25pt"><div><div style="line-height:8pt;position:var(--position);top:5.05pt;width:275.25pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Losses (gains) recognised in the income statement, within other income,</span></div><div style="line-height:8pt;position:var(--position);top:14.65pt;width:275.25pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">relating to the change in fair value of those liabilities held at 30 June </span></div><div style="font-size:12pt;line-height:8pt;position:var(--position);top:24.25pt;width:275.25pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">2026</span></div></div></div></td><td style="border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:275.25pt;position:var(--position);top:120pt;width:65.25pt"><div><div style="line-height:8pt;position:var(--position);top:24.25pt;width:65.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:55.94pt"></span></span><span style="left:58.57pt;position:var(--position)">1<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:345.75pt;position:var(--position);top:120pt;width:65.25pt"><div><div style="line-height:8pt;position:var(--position);top:24.25pt;width:65.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:51.27pt"></span></span><span style="left:53.900000000000006pt;position:var(--position)">(2)</span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:416.25pt;position:var(--position);top:120pt;width:65.25pt"><div><div style="line-height:8pt;position:var(--position);top:24.25pt;width:65.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:52.91pt"></span></span><span style="left:55.54pt;position:var(--position)">(1)</span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:165.75pt;width:275.25pt"><div><div style="font-size:12pt;line-height:8pt;position:var(--position);top:2.63pt;width:275.25pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">At 1 January </span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:48.2pt;position:var(--position);text-decoration:none;white-space:pre">2025</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:275.25pt;position:var(--position);top:165.75pt;width:65.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:65.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:49.86pt"></span></span><span style="left:52.49pt;position:var(--position)">22<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:345.75pt;position:var(--position);top:165.75pt;width:65.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:65.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:46.25pt"></span></span><span style="left:48.88pt;position:var(--position)">143<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:416.25pt;position:var(--position);top:165.75pt;width:65.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:65.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:46.5pt"></span></span><span style="left:49.13pt;position:var(--position)">165<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:177.75pt;width:275.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:275.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Gains recognised in the income statement within other income</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:275.25pt;position:var(--position);top:177.75pt;width:65.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:65.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:51.39pt"></span></span><span style="left:54.02pt;position:var(--position)">(2)<span style="display:inline-block;height:6.4pt;width:0.07pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:345.75pt;position:var(--position);top:177.75pt;width:65.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:65.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:50.79pt"></span></span><span style="left:53.42pt;position:var(--position)">(4)<span style="display:inline-block;height:6.4pt;width:0.07pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:416.25pt;position:var(--position);top:177.75pt;width:65.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:65.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:50.96pt"></span></span><span style="left:53.59pt;position:var(--position)">(6)<span style="display:inline-block;height:6.4pt;width:0.07pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:189.75pt;width:275.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:275.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Redemptions</span></div></div></div></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:275.25pt;position:var(--position);top:189.75pt;width:65.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:65.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:51.39pt"></span></span><span style="left:54.02pt;position:var(--position)">(2)<span style="display:inline-block;height:6.4pt;width:0.07pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:345.75pt;position:var(--position);top:189.75pt;width:65.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:65.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:48.57pt"></span></span><span style="left:51.2pt;position:var(--position)">(12)<span style="display:inline-block;height:6.4pt;width:0.07pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:416.25pt;position:var(--position);top:189.75pt;width:65.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:65.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:47.97pt"></span></span><span style="left:50.6pt;position:var(--position)">(14)<span style="display:inline-block;height:6.4pt;width:0.07pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:201.75pt;width:275.25pt"><div><div style="font-size:12pt;line-height:8pt;position:var(--position);top:2.63pt;width:275.25pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">At 30 June </span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:43.75pt;position:var(--position);text-decoration:none;white-space:pre">2025</span></div></div></div></td><td style="border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:275.25pt;position:var(--position);top:201.75pt;width:65.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:65.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:51.01pt"></span></span><span style="left:53.64pt;position:var(--position)">18<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:345.75pt;position:var(--position);top:201.75pt;width:65.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:65.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:47.35pt"></span></span><span style="left:49.980000000000004pt;position:var(--position)">127<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:416.25pt;position:var(--position);top:201.75pt;width:65.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:65.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:46.33pt"></span></span><span style="left:48.96pt;position:var(--position)">145<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td></tr><tr style="height:21.75pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:213.75pt;width:275.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.65pt;width:275.25pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Gains recognised in the income statement, within other income, relating </span></div><div style="font-size:12pt;line-height:8pt;position:var(--position);top:12.25pt;width:275.25pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">to the change in fair value of those liabilities held at 30 June </span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:227.01999999999998pt;position:var(--position);text-decoration:none;white-space:pre">2025</span></div></div></div></td><td style="border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:275.25pt;position:var(--position);top:213.75pt;width:65.25pt"><div><div style="line-height:8pt;position:var(--position);top:12.25pt;width:65.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:51.39pt"></span></span><span style="left:54.02pt;position:var(--position)">(2)<span style="display:inline-block;height:6.4pt;width:0.07pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:345.75pt;position:var(--position);top:213.75pt;width:65.25pt"><div><div style="line-height:8pt;position:var(--position);top:12.25pt;width:65.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:51.2pt"></span></span><span style="left:53.830000000000005pt;position:var(--position)">(3)<span style="display:inline-block;height:6.4pt;width:0.07pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:416.25pt;position:var(--position);top:213.75pt;width:65.25pt"><div><div style="line-height:8pt;position:var(--position);top:12.25pt;width:65.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:51.28pt"></span></span><span style="left:53.910000000000004pt;position:var(--position)">(5)<span style="display:inline-block;height:6.4pt;width:0.07pt"></span></span></span></div></div></div></td></tr></tbody></table></div></div></div></div><div><div style="font-size:12pt;line-height:9pt;position:var(--position);top:56.69pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:9pt;font-style:normal;font-weight:bold;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre">NOTES TO THE CONDENSED CONSOLIDATED HALF-YEAR FINANCIAL STATEMENTS (UNAUDITED)</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:485.73pt;position:var(--position);text-decoration:none;white-space:pre"> (continued)</span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);top:75.49pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:9pt;font-style:normal;font-weight:bold;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre">Note 9: Fair values of financial assets and liabilities</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:274.08pt;position:var(--position);text-decoration:none;white-space:pre"> (continued)</span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:94.29pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:9pt;font-style:normal;font-weight:bold;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:221.68pt">Significant unobservable inputs in level 3 valuations</span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:109.89pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:481.53pt">The following tables disclose the valuation techniques and key unobservable inputs for instruments recognised at</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.22pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:122.49pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:412.57pt">fair value and classified as level 3 and provides the range of those inputs at the balance sheet date.</span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:138.09pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:481.53pt">For each portfolio, the minimum and maximum significant unobservable inputs that are used in the balance sheet</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.22pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:150.69pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:86.81pt">valuation are shown.</span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:166.29pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:237.83pt">Significant unobservable inputs affecting the valuations</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:294.52pt;position:var(--position);text-decoration:none;white-space:pre;width:243.7pt"> are unchanged from those described in the Lloyds Bank</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.22pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:178.89pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:244.45pt">plc’s financial statements for the year ended 31 December </span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:301.14pt;position:var(--position);text-decoration:none;white-space:pre;width:21.19pt">2025</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:322.33pt;position:var(--position);text-decoration:none;white-space:pre;width:2.39pt">.</span></div><div style="position:var(--position);top:199.49pt;width:594.99pt"><div style="font-size:0pt;left:56.69pt;position:var(--position);width:481.5pt"><div><table style="border-collapse:collapse;display:inline-table;width:100%"><tbody><tr style="height:0"><td style="padding:0;width:132pt"></td><td style="padding:0;width:99.75pt"></td><td style="padding:0;width:103.5pt"></td><td style="padding:0;width:45pt"></td><td style="padding:0;width:3pt"></td><td style="padding:0;width:45pt"></td><td style="padding:0;width:3pt"></td><td style="padding:0;width:50.25pt"></td></tr><tr style="height:30.75pt"><td style="border-bottom:0.25pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);width:132pt"><div><div style="font-size:12pt;line-height:8pt;position:var(--position);top:21.25pt;width:132pt"><span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">At </span><span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:13.649999999999999pt;position:var(--position);text-decoration:none;white-space:pre">30</span><span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:23.669999999999998pt;position:var(--position);text-decoration:none;white-space:pre"> </span><span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:25.669999999999998pt;position:var(--position);text-decoration:none;white-space:pre">June 2026</span><span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:63.36pt;position:var(--position);text-decoration:none;white-space:pre"> </span></div></div></div></td><td style="border-bottom:0.25pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:132pt;position:var(--position);width:99.75pt"><div><div style="line-height:8pt;position:var(--position);top:11.65pt;width:99.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Valuation</span></div><div style="line-height:8pt;position:var(--position);top:21.25pt;width:99.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">technique</span></div></div></div></td><td style="border-bottom:0.25pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:231.75pt;position:var(--position);width:103.5pt"><div><div style="line-height:8pt;position:var(--position);top:11.65pt;width:103.5pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Significant unobservable </span></div><div style="line-height:8pt;position:var(--position);top:21.25pt;width:103.5pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">inputs</span></div></div></div></td><td style="border-bottom:0.25pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:335.25pt;position:var(--position);width:45pt"><div><div style="line-height:8pt;position:var(--position);top:21.25pt;width:45pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:7.19pt;position:var(--position);text-decoration:none;white-space:pre">Minimum</span></div></div></div></td><td style="border-bottom:0.25pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.25pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:383.25pt;position:var(--position);width:45pt"><div><div style="line-height:8pt;position:var(--position);top:21.25pt;width:45pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:5.2pt;position:var(--position);text-decoration:none;white-space:pre">Maximum</span></div></div></div></td><td style="border-bottom:0.25pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.25pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:16.32pt;position:var(--position);text-decoration:none;white-space:pre">Carrying</span></div><div style="line-height:8pt;position:var(--position);top:12.23pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:27.69pt;position:var(--position);text-decoration:none;white-space:pre">value</span></div><div style="line-height:8pt;position:var(--position);top:21.83pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:35.97pt;position:var(--position);text-decoration:none;white-space:pre">£m</span></div></div></div></td></tr><tr style="height:6pt"><td style="border-top:0.25pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-top:0.25pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-top:0.25pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-top:0.25pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-top:0.25pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-top:0.25pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-top:0.25pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-top:0.25pt solid #000;font-size:0;text-align:left;vertical-align:top"></td></tr><tr style="height:14.25pt"><td colspan="3" style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:36.75pt;width:335.25pt"><div><div style="line-height:8pt;position:var(--position);top:4.75pt;width:335.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Financial assets at fair value through profit or loss</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.25pt solid #000;font-size:0;text-align:left;vertical-align:top"></td></tr><tr style="height:12.75pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:51pt;width:132pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:132pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Loans and advances to customers</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:132pt;position:var(--position);top:51pt;width:99.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:99.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Discounted cash flows</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:231.75pt;position:var(--position);top:51pt;width:103.5pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:103.5pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Credit spreads</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:335.25pt;position:var(--position);top:51pt;width:45pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:45pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:16.26pt;position:var(--position);text-decoration:none;white-space:pre">138bps</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:383.25pt;position:var(--position);top:51pt;width:45pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:45pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:14.1pt;position:var(--position);text-decoration:none;white-space:pre">349bps</span></div></div></div></td><td style="border-right:0.25pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-left:0.25pt solid #000;border-right:0.25pt solid #000;border-top:0.25pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:51pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:36.7pt;position:var(--position);text-decoration:none;white-space:pre">114</span></div></div></div></td></tr><tr style="height:21.75pt"><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:132pt;position:var(--position);top:63.75pt;width:99.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:99.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Market values - property </span></div><div style="line-height:8pt;position:var(--position);top:12.23pt;width:99.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">valuation</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:231.75pt;position:var(--position);top:63.75pt;width:103.5pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:103.5pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">HPI growth</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:335.25pt;position:var(--position);top:63.75pt;width:45pt"><div><div style="line-height:8pt;position:var(--position);top:12.25pt;width:45pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:31.16pt;position:var(--position);text-decoration:none;white-space:pre">3%</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:383.25pt;position:var(--position);top:63.75pt;width:45pt"><div><div style="line-height:8pt;position:var(--position);top:12.25pt;width:45pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:30.75pt;position:var(--position);text-decoration:none;white-space:pre">4%</span></div></div></div></td><td style="border-right:0.25pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;border-right:0.25pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:63.75pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:12.25pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:35.47pt;position:var(--position);text-decoration:none;white-space:pre">123</span></div></div></div></td></tr><tr style="height:12.75pt"><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:85.5pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:34.13pt;position:var(--position);text-decoration:none;white-space:pre">237</span></div></div></div></td></tr><tr style="height:12.75pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:98.25pt;width:132pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:132pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Debt securities</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:132pt;position:var(--position);top:98.25pt;width:99.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:99.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Discounted cash flows</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:231.75pt;position:var(--position);top:98.25pt;width:103.5pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:103.5pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Price</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:335.25pt;position:var(--position);top:98.25pt;width:45pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:45pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:28.43pt;position:var(--position);text-decoration:none;white-space:pre">12%</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:383.25pt;position:var(--position);top:98.25pt;width:45pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:45pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:25.85pt;position:var(--position);text-decoration:none;white-space:pre">86%</span></div></div></div></td><td style="border-right:0.25pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-left:0.25pt solid #000;border-right:0.25pt solid #000;border-top:0.25pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:98.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:43.38pt;position:var(--position);text-decoration:none;white-space:pre">7</span></div></div></div></td></tr><tr style="height:12.75pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:111pt;width:132pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:132pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Equity shares</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:132pt;position:var(--position);top:111pt;width:99.75pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:99.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Net asset value</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:231.75pt;position:var(--position);top:111pt;width:103.5pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:103.5pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Price</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:335.25pt;position:var(--position);top:111pt;width:45pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:45pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:29.72pt;position:var(--position);text-decoration:none;white-space:pre">n/a</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:383.25pt;position:var(--position);top:111pt;width:45pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:45pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:29.72pt;position:var(--position);text-decoration:none;white-space:pre">n/a</span></div></div></div></td><td style="border-right:0.25pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;border-right:0.25pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:111pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:42.99pt;position:var(--position);text-decoration:none;white-space:pre">5</span></div></div></div></td></tr><tr style="height:12.75pt"><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:123.75pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:40.18pt;position:var(--position);text-decoration:none;white-space:pre">12</span></div></div></div></td></tr><tr style="height:12.75pt"><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:136.5pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:32.98pt;position:var(--position);text-decoration:none;white-space:pre">249</span></div></div></div></td></tr><tr style="height:11.25pt"><td colspan="3" style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:149.25pt;width:335.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:335.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Financial assets at fair value through other comprehensive income</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-top:0.25pt solid #000;font-size:0;text-align:left;vertical-align:top"></td></tr><tr style="height:12.75pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:160.5pt;width:132pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:132pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Debt securities</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:132pt;position:var(--position);top:160.5pt;width:99.75pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:99.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Discounted cash flows</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:231.75pt;position:var(--position);top:160.5pt;width:103.5pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:103.5pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Credit spreads</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:335.25pt;position:var(--position);top:160.5pt;width:45pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:45pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:15.09pt;position:var(--position);text-decoration:none;white-space:pre">287bps</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:383.25pt;position:var(--position);top:160.5pt;width:45pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:45pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:13.85pt;position:var(--position);text-decoration:none;white-space:pre">308bps</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.25pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:160.5pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:37.52pt;position:var(--position);text-decoration:none;white-space:pre">49</span></div></div></div></td></tr><tr style="height:12.75pt"><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:173.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:33.06pt;position:var(--position);text-decoration:none;white-space:pre">298</span></div></div></div></td></tr><tr style="height:14.25pt"><td colspan="3" style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:186pt;width:335.25pt"><div><div style="line-height:8pt;position:var(--position);top:4.75pt;width:335.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Financial liabilities at fair value through profit or loss</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-top:0.25pt solid #000;font-size:0;text-align:left;vertical-align:top"></td></tr><tr style="height:12.75pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:200.25pt;width:132pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:132pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Securitisation notes and other</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:132pt;position:var(--position);top:200.25pt;width:99.75pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:99.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Discounted cash flows</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:231.75pt;position:var(--position);top:200.25pt;width:103.5pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:103.5pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Credit spreads</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:335.25pt;position:var(--position);top:200.25pt;width:45pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:45pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:14.1pt;position:var(--position);text-decoration:none;white-space:pre">349bps</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:383.25pt;position:var(--position);top:200.25pt;width:45pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:45pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:14.1pt;position:var(--position);text-decoration:none;white-space:pre">349bps</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:200.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:40.48pt;position:var(--position);text-decoration:none;white-space:pre">17</span></div></div></div></td></tr><tr style="height:15.75pt"><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.25pt solid #000;font-size:0;text-align:left;vertical-align:top"></td></tr><tr style="height:21.75pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:228.75pt;width:132pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:132pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Interest rate derivatives</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:132pt;position:var(--position);top:228.75pt;width:99.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:99.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Option pricing model</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:231.75pt;position:var(--position);top:228.75pt;width:103.5pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:103.5pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Interest rate ATM </span></div><div style="line-height:8pt;position:var(--position);top:12.23pt;width:103.5pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">volatility</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:335.25pt;position:var(--position);top:228.75pt;width:45pt"><div><div style="line-height:8pt;position:var(--position);top:12.25pt;width:45pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:19.3pt;position:var(--position);text-decoration:none;white-space:pre">56bps</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:383.25pt;position:var(--position);top:228.75pt;width:45pt"><div><div style="line-height:8pt;position:var(--position);top:12.25pt;width:45pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:19.22pt;position:var(--position);text-decoration:none;white-space:pre">93bps</span></div></div></div></td><td style="border-right:0.25pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-left:0.25pt solid #000;border-right:0.25pt solid #000;border-top:0.25pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:228.75pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:12.25pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:42.64pt;position:var(--position);text-decoration:none;white-space:pre">6</span></div></div></div></td></tr><tr style="height:21.75pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:250.5pt;width:132pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:132pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Shared appreciation rights</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:132pt;position:var(--position);top:250.5pt;width:99.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:99.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Market values - property </span></div><div style="line-height:8pt;position:var(--position);top:12.23pt;width:99.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">valuation</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:231.75pt;position:var(--position);top:250.5pt;width:103.5pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:103.5pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">HPI growth</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:335.25pt;position:var(--position);top:250.5pt;width:45pt"><div><div style="line-height:8pt;position:var(--position);top:12.25pt;width:45pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:31.16pt;position:var(--position);text-decoration:none;white-space:pre">3%</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:383.25pt;position:var(--position);top:250.5pt;width:45pt"><div><div style="line-height:8pt;position:var(--position);top:12.25pt;width:45pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:30.75pt;position:var(--position);text-decoration:none;white-space:pre">4%</span></div></div></div></td><td style="border-right:0.25pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;border-right:0.25pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:250.5pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:12.25pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:36.51pt;position:var(--position);text-decoration:none;white-space:pre">101</span></div></div></div></td></tr><tr style="height:12.75pt"><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:272.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:35.17pt;position:var(--position);text-decoration:none;white-space:pre">107</span></div></div></div></td></tr><tr style="height:12.75pt"><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:285pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:35.06pt;position:var(--position);text-decoration:none;white-space:pre">124</span></div></div></div></td></tr><tr style="height:6pt"><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-top:0.25pt solid #000;font-size:0;text-align:left;vertical-align:top"></td></tr><tr style="height:30pt"><td style="border-bottom:0.25pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:303.75pt;width:132pt"><div><div style="font-size:12pt;line-height:8pt;position:var(--position);top:20.5pt;width:132pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">At 31 December </span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:63.64pt;position:var(--position);text-decoration:none;white-space:pre">2025</span></div></div></div></td><td style="border-bottom:0.25pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:132pt;position:var(--position);top:303.75pt;width:99.75pt"><div><div style="line-height:8pt;position:var(--position);top:10.9pt;width:99.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Valuation</span></div><div style="line-height:8pt;position:var(--position);top:20.5pt;width:99.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">technique</span></div></div></div></td><td style="border-bottom:0.25pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:231.75pt;position:var(--position);top:303.75pt;width:103.5pt"><div><div style="line-height:8pt;position:var(--position);top:10.9pt;width:103.5pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Significant unobservable </span></div><div style="line-height:8pt;position:var(--position);top:20.5pt;width:103.5pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">inputs</span></div></div></div></td><td style="border-bottom:0.25pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:335.25pt;position:var(--position);top:303.75pt;width:45pt"><div><div style="line-height:8pt;position:var(--position);top:20.5pt;width:45pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:9.34pt;position:var(--position);text-decoration:none;white-space:pre">Minimum</span></div></div></div></td><td style="border-bottom:0.25pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.25pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:383.25pt;position:var(--position);top:303.75pt;width:45pt"><div><div style="line-height:8pt;position:var(--position);top:20.5pt;width:45pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:7.33pt;position:var(--position);text-decoration:none;white-space:pre">Maximum</span></div></div></div></td><td style="border-bottom:0.25pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.25pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:303.75pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:16.6pt;position:var(--position);text-decoration:none;white-space:pre">Carrying</span></div><div style="line-height:8pt;position:var(--position);top:12.23pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:27.91pt;position:var(--position);text-decoration:none;white-space:pre">value</span></div><div style="line-height:8pt;position:var(--position);top:21.83pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:36.03pt;position:var(--position);text-decoration:none;white-space:pre">£m</span></div></div></div></td></tr><tr style="height:6.75pt"><td style="border-top:0.25pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-top:0.25pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-top:0.25pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-top:0.25pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-top:0.25pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-top:0.25pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-top:0.25pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-top:0.25pt solid #000;font-size:0;text-align:left;vertical-align:top"></td></tr><tr style="height:14.25pt"><td colspan="3" style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:340.5pt;width:335.25pt"><div><div style="line-height:8pt;position:var(--position);top:4.75pt;width:335.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Financial assets at fair value through profit or loss</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.25pt solid #000;font-size:0;text-align:left;vertical-align:top"></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:354.75pt;width:132pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:132pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Loans and advances to customers</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:132pt;position:var(--position);top:354.75pt;width:99.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:99.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Discounted cash flows</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:231.75pt;position:var(--position);top:354.75pt;width:103.5pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:103.5pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Credit spreads</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:335.25pt;position:var(--position);top:354.75pt;width:45pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:45pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:16.5pt;position:var(--position);text-decoration:none;white-space:pre">138bps</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:383.25pt;position:var(--position);top:354.75pt;width:45pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:45pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:14.32pt;position:var(--position);text-decoration:none;white-space:pre">349bps</span></div></div></div></td><td style="border-right:0.25pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-left:0.25pt solid #000;border-right:0.25pt solid #000;border-top:0.25pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:354.75pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:35.53pt;position:var(--position);text-decoration:none;white-space:pre">147</span></div></div></div></td></tr><tr style="height:21.75pt"><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:132pt;position:var(--position);top:366.75pt;width:99.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.65pt;width:99.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Market values - property </span></div><div style="line-height:8pt;position:var(--position);top:12.25pt;width:99.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">valuation</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:231.75pt;position:var(--position);top:366.75pt;width:103.5pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:103.5pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">HPI growth</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:335.25pt;position:var(--position);top:366.75pt;width:45pt"><div><div style="line-height:8pt;position:var(--position);top:12.25pt;width:45pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:31.19pt;position:var(--position);text-decoration:none;white-space:pre">3%</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:383.25pt;position:var(--position);top:366.75pt;width:45pt"><div><div style="line-height:8pt;position:var(--position);top:12.25pt;width:45pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:30.78pt;position:var(--position);text-decoration:none;white-space:pre">4%</span></div></div></div></td><td style="border-right:0.25pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;border-right:0.25pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:366.75pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:12.25pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:35.52pt;position:var(--position);text-decoration:none;white-space:pre">135</span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-top:0.25pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:388.5pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:33.63pt;position:var(--position);text-decoration:none;white-space:pre">282</span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:400.5pt;width:132pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:132pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Equity shares</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:132pt;position:var(--position);top:400.5pt;width:99.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:99.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Net asset value</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:231.75pt;position:var(--position);top:400.5pt;width:103.5pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:103.5pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Price</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:335.25pt;position:var(--position);top:400.5pt;width:45pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:45pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:29.82pt;position:var(--position);text-decoration:none;white-space:pre">n/a</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:383.25pt;position:var(--position);top:400.5pt;width:45pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:45pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:29.82pt;position:var(--position);text-decoration:none;white-space:pre">n/a</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:400.5pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:43.02pt;position:var(--position);text-decoration:none;white-space:pre">5</span></div></div></div></td></tr><tr style="height:6.75pt"><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td></tr><tr style="height:12pt"><td colspan="3" style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:419.25pt;width:335.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:335.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Financial assets at fair value through other comprehensive income</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:431.25pt;width:132pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:132pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Debt securities</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:132pt;position:var(--position);top:431.25pt;width:99.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:99.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Discounted cash flows</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:231.75pt;position:var(--position);top:431.25pt;width:103.5pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:103.5pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Credit spreads</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:335.25pt;position:var(--position);top:431.25pt;width:45pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:45pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:15.33pt;position:var(--position);text-decoration:none;white-space:pre">287bps</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:383.25pt;position:var(--position);top:431.25pt;width:45pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:45pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:14.07pt;position:var(--position);text-decoration:none;white-space:pre">308bps</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.25pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:431.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:37.77pt;position:var(--position);text-decoration:none;white-space:pre">50</span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:443.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:34.08pt;position:var(--position);text-decoration:none;white-space:pre">337</span></div></div></div></td></tr><tr style="height:12pt"><td colspan="3" style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:455.25pt;width:335.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:335.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Financial liabilities at fair value through profit or loss</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-top:0.25pt solid #000;font-size:0;text-align:left;vertical-align:top"></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:467.25pt;width:132pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:132pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Securitisation notes and other</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:132pt;position:var(--position);top:467.25pt;width:99.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:99.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Discounted cash flows</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:231.75pt;position:var(--position);top:467.25pt;width:103.5pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:103.5pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Credit spreads</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:335.25pt;position:var(--position);top:467.25pt;width:45pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:45pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:14.32pt;position:var(--position);text-decoration:none;white-space:pre">349bps</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:383.25pt;position:var(--position);top:467.25pt;width:45pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:45pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:14.32pt;position:var(--position);text-decoration:none;white-space:pre">349bps</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:467.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:40.62pt;position:var(--position);text-decoration:none;white-space:pre">17</span></div></div></div></td></tr><tr style="height:6pt"><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.25pt solid #000;font-size:0;text-align:left;vertical-align:top"></td></tr><tr style="height:21.75pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:485.25pt;width:132pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:132pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Interest rate derivatives</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:132pt;position:var(--position);top:485.25pt;width:99.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:99.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Option pricing model</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:231.75pt;position:var(--position);top:485.25pt;width:103.5pt"><div><div style="line-height:8pt;position:var(--position);top:2.65pt;width:103.5pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Interest rate ATM </span></div><div style="line-height:8pt;position:var(--position);top:12.25pt;width:103.5pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">volatility</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:335.25pt;position:var(--position);top:485.25pt;width:45pt"><div><div style="line-height:8pt;position:var(--position);top:12.25pt;width:45pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:19.32pt;position:var(--position);text-decoration:none;white-space:pre">38bps</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:383.25pt;position:var(--position);top:485.25pt;width:45pt"><div><div style="line-height:8pt;position:var(--position);top:12.25pt;width:45pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:19.51pt;position:var(--position);text-decoration:none;white-space:pre">82bps</span></div></div></div></td><td style="border-right:0.25pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-left:0.25pt solid #000;border-right:0.25pt solid #000;border-top:0.25pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:485.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:12.25pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:43.44pt;position:var(--position);text-decoration:none;white-space:pre">7</span></div></div></div></td></tr><tr style="height:21.75pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:507pt;width:132pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:132pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Shared appreciation rights</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:132pt;position:var(--position);top:507pt;width:99.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.65pt;width:99.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Market values - property </span></div><div style="line-height:8pt;position:var(--position);top:12.25pt;width:99.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">valuation</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:231.75pt;position:var(--position);top:507pt;width:103.5pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:103.5pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">HPI growth</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:335.25pt;position:var(--position);top:507pt;width:45pt"><div><div style="line-height:8pt;position:var(--position);top:12.25pt;width:45pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:31.19pt;position:var(--position);text-decoration:none;white-space:pre">3%</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:383.25pt;position:var(--position);top:507pt;width:45pt"><div><div style="line-height:8pt;position:var(--position);top:12.25pt;width:45pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:30.78pt;position:var(--position);text-decoration:none;white-space:pre">4%</span></div></div></div></td><td style="border-right:0.25pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;border-right:0.25pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:507pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:12.25pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:39.16pt;position:var(--position);text-decoration:none;white-space:pre">111</span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:528.75pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:36.97pt;position:var(--position);text-decoration:none;white-space:pre">118</span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:540.75pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:35.52pt;position:var(--position);text-decoration:none;white-space:pre">135</span></div></div></div></td></tr></tbody></table></div></div></div></div><div><div style="font-size:12pt;line-height:9pt;position:var(--position);top:56.69pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:9pt;font-style:normal;font-weight:bold;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre">NOTES TO THE CONDENSED CONSOLIDATED HALF-YEAR FINANCIAL STATEMENTS (UNAUDITED)</span><span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:9pt;font-style:normal;font-weight:bold;left:485.73pt;position:var(--position);text-decoration:none;white-space:pre"> </span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:487.8pt;position:var(--position);text-decoration:none;white-space:pre">(continued)</span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);top:75.49pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:9pt;font-style:normal;font-weight:bold;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre">Note 9: Fair values of financial assets and liabilities</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:274.08pt;position:var(--position);text-decoration:none;white-space:pre"> (continued)</span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);top:94.29pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:9pt;font-style:normal;font-weight:bold;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre">Reasonably possible alternative assumptions</span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:113.09pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:481.48pt">Valuation techniques applied to the Group’s level 3 instruments involve the use of unobservable inputs. The</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.1700000000001pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:125.69pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:481.58pt">calculation of the effect of reasonably possible alternative assumptions for those inputs are included in the tables</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.27pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:138.29pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:20.08pt">from</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:76.77pt;position:var(--position);text-decoration:none;white-space:pre;width:433.03pt"> that described in note 16 to the Lloyds Bank plc’s financial statements for the year ended 31 December </span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:509.8pt;position:var(--position);text-decoration:none;white-space:pre;width:21.19pt">2025</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:530.99pt;position:var(--position);text-decoration:none;white-space:pre;width:2.39pt">.</span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:153.89pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:481.56pt">For each portfolio, the maximum and minimum changes presented reflect the difference between the significant</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.25pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:166.49pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:481.61pt">unobservable inputs used in the balance sheet valuation and those used when applying reasonably possible</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.3pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:179.09pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:102.51pt">alternative assumptions.</span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);top:199.69pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:9pt;font-style:normal;font-weight:bold;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre">Sensitivity of level 3 valuations</span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:213.49pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:481.55pt">The tables below set out the effects of reasonably possible alternative assumptions for categories of level 3</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.24pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:226.09pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:161.14pt">financial assets and financial liabilities.</span></div><div style="position:var(--position);text-align:justify;text-align-last:var(--justify);top:241.69pt;width:594.99pt"><div style="font-size:0pt;left:56.69pt;position:var(--position);width:481.5pt"><div><table style="border-collapse:collapse;display:inline-table;width:100%"><tbody><tr style="height:0"><td style="padding:0;width:152.25pt"></td><td style="padding:0;width:89.25pt"></td><td style="padding:0;width:60pt"></td><td style="padding:0;width:60pt"></td><td style="padding:0;width:60pt"></td><td style="padding:0;width:60pt"></td></tr><tr style="height:33pt"><td style="border-bottom:0.25pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);width:152.25pt"><div><div style="font-size:12pt;line-height:8pt;position:var(--position);top:23.5pt;width:152.25pt"><span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">At </span><span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:13.649999999999999pt;position:var(--position);text-decoration:none;white-space:pre">30</span><span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:23.669999999999998pt;position:var(--position);text-decoration:none;white-space:pre"> </span><span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:25.669999999999998pt;position:var(--position);text-decoration:none;white-space:pre">June 2026</span></div></div></div></td><td style="border-bottom:0.25pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:152.25pt;position:var(--position);width:89.25pt"><div><div style="line-height:8pt;position:var(--position);top:13.9pt;width:89.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Significant </span></div><div style="line-height:8pt;position:var(--position);top:23.5pt;width:89.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">unobservable inputs</span></div></div></div></td><td style="border-bottom:0.25pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:241.5pt;position:var(--position);width:60pt"><div><div style="line-height:8pt;position:var(--position);top:23.5pt;width:60pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:31.64pt;position:var(--position);text-decoration:none;white-space:pre">Max up</span></div></div></div></td><td style="border-bottom:0.25pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:301.5pt;position:var(--position);width:60pt"><div><div style="line-height:8pt;position:var(--position);top:23.5pt;width:60pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:19.98pt;position:var(--position);text-decoration:none;white-space:pre">Max down</span></div></div></div></td><td style="border-bottom:0.25pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:361.5pt;position:var(--position);width:60pt"><div><div style="line-height:8pt;position:var(--position);top:4.3pt;width:60pt"><span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:15.57pt;position:var(--position);text-decoration:none;white-space:pre">Favourable</span></div><div style="line-height:8pt;position:var(--position);top:13.9pt;width:60pt"><span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:25.23pt;position:var(--position);text-decoration:none;white-space:pre">changes</span><span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:5.2pt;font-style:normal;font-weight:normal;left:55.49pt;position:var(--position);text-decoration:none;top:-2.24pt;vertical-align:super;white-space:pre">1</span></div><div style="line-height:8pt;position:var(--position);top:23.5pt;width:60pt"><span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:45.72pt;position:var(--position);text-decoration:none;white-space:pre">£m</span></div></div></div></td><td style="border-bottom:0.25pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:421.5pt;position:var(--position);width:60pt"><div><div style="line-height:8pt;position:var(--position);top:4.3pt;width:60pt"><span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:6.65pt;position:var(--position);text-decoration:none;white-space:pre">Unfavourable</span></div><div style="line-height:8pt;position:var(--position);top:13.9pt;width:60pt"><span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:25.23pt;position:var(--position);text-decoration:none;white-space:pre">changes</span><span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:5.2pt;font-style:normal;font-weight:normal;left:55.49pt;position:var(--position);text-decoration:none;top:-2.24pt;vertical-align:super;white-space:pre">1</span></div><div style="line-height:8pt;position:var(--position);top:23.5pt;width:60pt"><span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:45.72pt;position:var(--position);text-decoration:none;white-space:pre">£m</span></div></div></div></td></tr><tr style="height:9.75pt"><td style="border-top:0.25pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-top:0.25pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-top:0.25pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-top:0.25pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-top:0.25pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-top:0.25pt solid #000;font-size:0;text-align:left;vertical-align:top"></td></tr><tr style="height:12.75pt"><td colspan="3" style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:42.75pt;width:301.5pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:301.5pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Financial assets at fair value through profit or loss</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td></tr><tr style="height:12.75pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:55.5pt;width:152.25pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:152.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Loans and advances to customers</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:152.25pt;position:var(--position);top:55.5pt;width:89.25pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:89.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Credit spreads</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:241.5pt;position:var(--position);top:55.5pt;width:60pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:60pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:33.48pt;position:var(--position);text-decoration:none;white-space:pre">115bps</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:301.5pt;position:var(--position);top:55.5pt;width:60pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:60pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:27.42pt;position:var(--position);text-decoration:none;white-space:pre">(115)bps</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:361.5pt;position:var(--position);top:55.5pt;width:60pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:60pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:52.74pt;position:var(--position);text-decoration:none;white-space:pre">5</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:421.5pt;position:var(--position);top:55.5pt;width:60pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:60pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:46.68pt;position:var(--position);text-decoration:none;white-space:pre">(5)</span></div></div></div></td></tr><tr style="height:12.75pt"><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:152.25pt;position:var(--position);top:68.25pt;width:89.25pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:89.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">HPI growth</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:241.5pt;position:var(--position);top:68.25pt;width:60pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:60pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:47.97pt;position:var(--position);text-decoration:none;white-space:pre">1%</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:301.5pt;position:var(--position);top:68.25pt;width:60pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:60pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:41.91pt;position:var(--position);text-decoration:none;white-space:pre">(1)%</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:361.5pt;position:var(--position);top:68.25pt;width:60pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:60pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:51.57pt;position:var(--position);text-decoration:none;white-space:pre">11</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:421.5pt;position:var(--position);top:68.25pt;width:60pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:60pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:46.33pt;position:var(--position);text-decoration:none;white-space:pre">(6)</span></div></div></div></td></tr><tr style="height:9.75pt"><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td></tr><tr style="height:12.75pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:90.75pt;width:152.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:152.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Debt securities</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:152.25pt;position:var(--position);top:90.75pt;width:89.25pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:89.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Price</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:241.5pt;position:var(--position);top:90.75pt;width:60pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:60pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:42.66pt;position:var(--position);text-decoration:none;white-space:pre">10%</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:301.5pt;position:var(--position);top:90.75pt;width:60pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:60pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:36.6pt;position:var(--position);text-decoration:none;white-space:pre">(10)%</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:361.5pt;position:var(--position);top:90.75pt;width:60pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:60pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:53.37pt;position:var(--position);text-decoration:none;white-space:pre">–</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:421.5pt;position:var(--position);top:90.75pt;width:60pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:60pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:53.37pt;position:var(--position);text-decoration:none;white-space:pre">–</span></div></div></div></td></tr><tr style="height:12.75pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:103.5pt;width:152.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:152.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Equity shares</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:152.25pt;position:var(--position);top:103.5pt;width:89.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:89.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Price</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:241.5pt;position:var(--position);top:103.5pt;width:60pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:60pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:40.77pt;position:var(--position);text-decoration:none;white-space:pre">46%</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:301.5pt;position:var(--position);top:103.5pt;width:60pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:60pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:34.71pt;position:var(--position);text-decoration:none;white-space:pre">(46)%</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:361.5pt;position:var(--position);top:103.5pt;width:60pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:60pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:54.47pt;position:var(--position);text-decoration:none;white-space:pre">1</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:421.5pt;position:var(--position);top:103.5pt;width:60pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:60pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:48.41pt;position:var(--position);text-decoration:none;white-space:pre">(1)</span></div></div></div></td></tr><tr style="height:9.75pt"><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td></tr><tr style="height:12.75pt"><td colspan="3" style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:126pt;width:301.5pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:301.5pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Financial assets at fair value through other comprehensive income</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td></tr><tr style="height:12.75pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:138.75pt;width:152.25pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:152.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Debt securities</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:152.25pt;position:var(--position);top:138.75pt;width:89.25pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:89.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Credit spreads</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:241.5pt;position:var(--position);top:138.75pt;width:60pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:60pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:35.04pt;position:var(--position);text-decoration:none;white-space:pre">75bps</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:301.5pt;position:var(--position);top:138.75pt;width:60pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:60pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:28.98pt;position:var(--position);text-decoration:none;white-space:pre">(75)bps</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:361.5pt;position:var(--position);top:138.75pt;width:60pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:60pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:54.47pt;position:var(--position);text-decoration:none;white-space:pre">1</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:421.5pt;position:var(--position);top:138.75pt;width:60pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:60pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:48.41pt;position:var(--position);text-decoration:none;white-space:pre">(1)</span></div></div></div></td></tr><tr style="height:9.75pt"><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td></tr><tr style="height:12.75pt"><td colspan="3" style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:161.25pt;width:301.5pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:301.5pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Financial liabilities at fair value through profit or loss</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td></tr><tr style="height:12.75pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:174pt;width:152.25pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:152.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Securitisation notes and other</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:152.25pt;position:var(--position);top:174pt;width:89.25pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:89.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Credit spreads </span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:241.5pt;position:var(--position);top:174pt;width:60pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:60pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:33.97pt;position:var(--position);text-decoration:none;white-space:pre">50bps</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:301.5pt;position:var(--position);top:174pt;width:60pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:60pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:27.91pt;position:var(--position);text-decoration:none;white-space:pre">(50)bps</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:361.5pt;position:var(--position);top:174pt;width:60pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:60pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:54.47pt;position:var(--position);text-decoration:none;white-space:pre">1</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:421.5pt;position:var(--position);top:174pt;width:60pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:60pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:48.41pt;position:var(--position);text-decoration:none;white-space:pre">(1)</span></div></div></div></td></tr><tr style="height:9.75pt"><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td></tr><tr style="height:12.75pt"><td colspan="3" style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:196.5pt;width:301.5pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:301.5pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Derivative financial liabilities</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td></tr><tr style="height:21.75pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:209.25pt;width:152.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:152.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Interest rate derivatives</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:152.25pt;position:var(--position);top:209.25pt;width:89.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.65pt;width:89.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Interest rate ATM </span></div><div style="line-height:8pt;position:var(--position);top:12.25pt;width:89.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">volatility</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:241.5pt;position:var(--position);top:209.25pt;width:60pt"><div><div style="line-height:8pt;position:var(--position);top:12.25pt;width:60pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:38.79pt;position:var(--position);text-decoration:none;white-space:pre">4bps</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:301.5pt;position:var(--position);top:209.25pt;width:60pt"><div><div style="line-height:8pt;position:var(--position);top:12.25pt;width:60pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:32.73pt;position:var(--position);text-decoration:none;white-space:pre">(4)bps</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:361.5pt;position:var(--position);top:209.25pt;width:60pt"><div><div style="line-height:8pt;position:var(--position);top:12.25pt;width:60pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:53.37pt;position:var(--position);text-decoration:none;white-space:pre">–</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:421.5pt;position:var(--position);top:209.25pt;width:60pt"><div><div style="line-height:8pt;position:var(--position);top:12.25pt;width:60pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:53.37pt;position:var(--position);text-decoration:none;white-space:pre">–</span></div></div></div></td></tr><tr style="height:12.75pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:231pt;width:152.25pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:152.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Shared appreciation rights</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:152.25pt;position:var(--position);top:231pt;width:89.25pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:89.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">HPI growth</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:241.5pt;position:var(--position);top:231pt;width:60pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:60pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:47.97pt;position:var(--position);text-decoration:none;white-space:pre">1%</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:301.5pt;position:var(--position);top:231pt;width:60pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:60pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:41.91pt;position:var(--position);text-decoration:none;white-space:pre">(1)%</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:361.5pt;position:var(--position);top:231pt;width:60pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:60pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:52.39pt;position:var(--position);text-decoration:none;white-space:pre">9</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:421.5pt;position:var(--position);top:231pt;width:60pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:60pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:46.27pt;position:var(--position);text-decoration:none;white-space:pre">(8)</span></div></div></div></td></tr><tr style="height:9.75pt"><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td></tr><tr style="height:32.25pt"><td style="border-bottom:0.25pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:253.5pt;width:152.25pt"><div><div style="font-size:12pt;line-height:8pt;position:var(--position);top:22.75pt;width:152.25pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">At 31 December </span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:63.64pt;position:var(--position);text-decoration:none;white-space:pre">2025</span></div></div></div></td><td style="border-bottom:0.25pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:152.25pt;position:var(--position);top:253.5pt;width:89.25pt"><div><div style="line-height:8pt;position:var(--position);top:13.15pt;width:89.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Significant </span></div><div style="line-height:8pt;position:var(--position);top:22.75pt;width:89.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">unobservable inputs</span></div></div></div></td><td style="border-bottom:0.25pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:241.5pt;position:var(--position);top:253.5pt;width:60pt"><div><div style="line-height:8pt;position:var(--position);top:22.75pt;width:60pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:31.77pt;position:var(--position);text-decoration:none;white-space:pre">Max up</span></div></div></div></td><td style="border-bottom:0.25pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:301.5pt;position:var(--position);top:253.5pt;width:60pt"><div><div style="line-height:8pt;position:var(--position);top:22.75pt;width:60pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:20.23pt;position:var(--position);text-decoration:none;white-space:pre">Max down</span></div></div></div></td><td style="border-bottom:0.25pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:361.5pt;position:var(--position);top:253.5pt;width:60pt"><div><div style="line-height:8pt;position:var(--position);top:3.55pt;width:60pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:15.89pt;position:var(--position);text-decoration:none;white-space:pre">Favourable</span></div><div style="line-height:8pt;position:var(--position);top:13.15pt;width:60pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:25.52pt;position:var(--position);text-decoration:none;white-space:pre">changes</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:5.2pt;font-style:normal;font-weight:normal;left:55.54pt;position:var(--position);text-decoration:none;top:-2.24pt;vertical-align:super;white-space:pre">1</span></div><div style="line-height:8pt;position:var(--position);top:22.75pt;width:60pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:45.78pt;position:var(--position);text-decoration:none;white-space:pre">£m</span></div></div></div></td><td style="border-bottom:0.25pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:421.5pt;position:var(--position);top:253.5pt;width:60pt"><div><div style="line-height:8pt;position:var(--position);top:3.55pt;width:60pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:7.07pt;position:var(--position);text-decoration:none;white-space:pre">Unfavourable</span></div><div style="line-height:8pt;position:var(--position);top:13.15pt;width:60pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:25.52pt;position:var(--position);text-decoration:none;white-space:pre">changes</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:5.2pt;font-style:normal;font-weight:normal;left:55.54pt;position:var(--position);text-decoration:none;top:-2.24pt;vertical-align:super;white-space:pre">1</span></div><div style="line-height:8pt;position:var(--position);top:22.75pt;width:60pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:45.78pt;position:var(--position);text-decoration:none;white-space:pre">£m</span></div></div></div></td></tr><tr style="height:15.75pt"><td style="border-top:0.25pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-top:0.25pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-top:0.25pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-top:0.25pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-top:0.25pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-top:0.25pt solid #000;font-size:0;text-align:left;vertical-align:top"></td></tr><tr style="height:12.75pt"><td colspan="3" style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:301.5pt;width:301.5pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:301.5pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Financial assets at fair value through profit or loss</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td></tr><tr style="height:12.75pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:314.25pt;width:152.25pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:152.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Loans and advances to customers</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:152.25pt;position:var(--position);top:314.25pt;width:89.25pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:89.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Credit spreads</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:241.5pt;position:var(--position);top:314.25pt;width:60pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:60pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:33.77pt;position:var(--position);text-decoration:none;white-space:pre">115bps</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:301.5pt;position:var(--position);top:314.25pt;width:60pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:60pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:27.85pt;position:var(--position);text-decoration:none;white-space:pre">(115)bps</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:361.5pt;position:var(--position);top:314.25pt;width:60pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:60pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:52.77pt;position:var(--position);text-decoration:none;white-space:pre">5</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:421.5pt;position:var(--position);top:314.25pt;width:60pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:60pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:46.85pt;position:var(--position);text-decoration:none;white-space:pre">(5)</span></div></div></div></td></tr><tr style="height:12.75pt"><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:152.25pt;position:var(--position);top:327pt;width:89.25pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:89.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">HPI growth</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:241.5pt;position:var(--position);top:327pt;width:60pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:60pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:48.05pt;position:var(--position);text-decoration:none;white-space:pre">1%</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:301.5pt;position:var(--position);top:327pt;width:60pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:60pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:42.13pt;position:var(--position);text-decoration:none;white-space:pre">(1)%</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:361.5pt;position:var(--position);top:327pt;width:60pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:60pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:49.46pt;position:var(--position);text-decoration:none;white-space:pre">14</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:421.5pt;position:var(--position);top:327pt;width:60pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:60pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:44.14pt;position:var(--position);text-decoration:none;white-space:pre">(12)</span></div></div></div></td></tr><tr style="height:9.75pt"><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td></tr><tr style="height:12.75pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:349.5pt;width:152.25pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:152.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Equity shares</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:152.25pt;position:var(--position);top:349.5pt;width:89.25pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:89.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Price</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:241.5pt;position:var(--position);top:349.5pt;width:60pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:60pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:43.37pt;position:var(--position);text-decoration:none;white-space:pre">31%</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:301.5pt;position:var(--position);top:349.5pt;width:60pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:60pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:37.45pt;position:var(--position);text-decoration:none;white-space:pre">(31)%</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:361.5pt;position:var(--position);top:349.5pt;width:60pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:60pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:54.55pt;position:var(--position);text-decoration:none;white-space:pre">1</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:421.5pt;position:var(--position);top:349.5pt;width:60pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:60pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:48.63pt;position:var(--position);text-decoration:none;white-space:pre">(1)</span></div></div></div></td></tr><tr style="height:9.75pt"><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td></tr><tr style="height:12.75pt"><td colspan="3" style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:372pt;width:301.5pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:301.5pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Financial assets at fair value through other comprehensive income</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td></tr><tr style="height:12.75pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:384.75pt;width:152.25pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:152.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Debt securities</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:152.25pt;position:var(--position);top:384.75pt;width:89.25pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:89.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Credit spreads</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:241.5pt;position:var(--position);top:384.75pt;width:60pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:60pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:35.23pt;position:var(--position);text-decoration:none;white-space:pre">75bps</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:301.5pt;position:var(--position);top:384.75pt;width:60pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:60pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:29.31pt;position:var(--position);text-decoration:none;white-space:pre">(75)bps</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:361.5pt;position:var(--position);top:384.75pt;width:60pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:60pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:52.88pt;position:var(--position);text-decoration:none;white-space:pre">2</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:421.5pt;position:var(--position);top:384.75pt;width:60pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:60pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:46.96pt;position:var(--position);text-decoration:none;white-space:pre">(2)</span></div></div></div></td></tr><tr style="height:9.75pt"><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td></tr><tr style="height:12.75pt"><td colspan="3" style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:407.25pt;width:301.5pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:301.5pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Financial liabilities at fair value through profit or loss</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td></tr><tr style="height:12.75pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:420pt;width:152.25pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:152.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Securitisation notes and other</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:152.25pt;position:var(--position);top:420pt;width:89.25pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:89.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Credit spreads </span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:241.5pt;position:var(--position);top:420pt;width:60pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:60pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:34.16pt;position:var(--position);text-decoration:none;white-space:pre">50bps</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:301.5pt;position:var(--position);top:420pt;width:60pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:60pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:28.24pt;position:var(--position);text-decoration:none;white-space:pre">(50)bps</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:361.5pt;position:var(--position);top:420pt;width:60pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:60pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:52.88pt;position:var(--position);text-decoration:none;white-space:pre">2</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:421.5pt;position:var(--position);top:420pt;width:60pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:60pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:46.96pt;position:var(--position);text-decoration:none;white-space:pre">(2)</span></div></div></div></td></tr><tr style="height:9.75pt"><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td></tr><tr style="height:12.75pt"><td colspan="3" style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:442.5pt;width:301.5pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:301.5pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Derivative financial liabilities</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td></tr><tr style="height:21.75pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:455.25pt;width:152.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:152.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Interest rate derivatives</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:152.25pt;position:var(--position);top:455.25pt;width:89.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.65pt;width:89.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Interest rate ATM </span></div><div style="line-height:8pt;position:var(--position);top:12.25pt;width:89.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">volatility</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:241.5pt;position:var(--position);top:455.25pt;width:60pt"><div><div style="line-height:8pt;position:var(--position);top:12.25pt;width:60pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:38.92pt;position:var(--position);text-decoration:none;white-space:pre">4bps</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:301.5pt;position:var(--position);top:455.25pt;width:60pt"><div><div style="line-height:8pt;position:var(--position);top:12.25pt;width:60pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:33pt;position:var(--position);text-decoration:none;white-space:pre">(4)bps</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:361.5pt;position:var(--position);top:455.25pt;width:60pt"><div><div style="line-height:8pt;position:var(--position);top:12.25pt;width:60pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:53.37pt;position:var(--position);text-decoration:none;white-space:pre">–</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:421.5pt;position:var(--position);top:455.25pt;width:60pt"><div><div style="line-height:8pt;position:var(--position);top:12.25pt;width:60pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:53.37pt;position:var(--position);text-decoration:none;white-space:pre">–</span></div></div></div></td></tr><tr style="height:12.75pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:477pt;width:152.25pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:152.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Shared appreciation rights</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:152.25pt;position:var(--position);top:477pt;width:89.25pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:89.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">HPI growth</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:241.5pt;position:var(--position);top:477pt;width:60pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:60pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:48.05pt;position:var(--position);text-decoration:none;white-space:pre">1%</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:301.5pt;position:var(--position);top:477pt;width:60pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:60pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:42.13pt;position:var(--position);text-decoration:none;white-space:pre">(1)%</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:361.5pt;position:var(--position);top:477pt;width:60pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:60pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:51.73pt;position:var(--position);text-decoration:none;white-space:pre">11</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:421.5pt;position:var(--position);top:477pt;width:60pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:60pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:43.38pt;position:var(--position);text-decoration:none;white-space:pre">(10)</span></div></div></div></td></tr></tbody></table></div></div></div><div style="font-size:12pt;line-height:8pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:739.44pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:5.2pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;top:-2.24pt;vertical-align:super;white-space:pre;width:1.83pt">1</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:58.519999999999996pt;position:var(--position);width:0pt"><span style="display:inline-block;height:6.4pt;width:6.67pt"></span></span><span style="left:65.19pt;position:var(--position);width:460.95pt">Where the exposure to a significant unobservable input is managed on a net basis, only the net impact is shown in the table.</span></span></div></div><div style="font-size:12pt;line-height:9pt;position:var(--position);top:56.69pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:9pt;font-style:normal;font-weight:bold;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre">NOTES TO THE CONDENSED CONSOLIDATED HALF-YEAR FINANCIAL STATEMENTS (UNAUDITED)</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:485.73pt;position:var(--position);text-decoration:none;white-space:pre"> (continued)</span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);top:75.49pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:9pt;font-style:normal;font-weight:bold;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre">Note 9: Fair values of financial assets and liabilities</span><span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:9pt;font-style:normal;font-weight:bold;left:274.08pt;position:var(--position);text-decoration:none;white-space:pre"> </span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:276.15pt;position:var(--position);text-decoration:none;white-space:pre">(continued)</span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:94.29pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:481.58pt">The table below summarises the carrying values of financial assets and liabilities measured at amortised cost in the</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.27pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:106.89pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:481.51pt">Group’s consolidated balance sheet. The fair values presented in the table are at a specific date and may be</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.2pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:119.49pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:479.45pt">significantly different from the amounts which will actually be paid or received on the maturity or settlement date.</span></div><div style="position:var(--position);top:140.09pt;width:594.99pt"><div style="font-size:0pt;left:56.69pt;position:var(--position);width:481.5pt"><div><table style="border-collapse:collapse;display:inline-table;width:100%"><tbody><tr style="height:0"><td style="padding:0;width:264.75pt"></td><td style="padding:0;width:50.25pt"></td><td style="padding:0;width:5.25pt"></td><td style="padding:0;width:50.25pt"></td><td style="padding:0;width:5.25pt"></td><td style="padding:0;width:50.25pt"></td><td style="padding:0;width:5.25pt"></td><td style="padding:0;width:50.25pt"></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"></td><td colspan="3" style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:264.75pt;position:var(--position);width:105.75pt"><div><div style="font-size:12pt;line-height:8pt;position:var(--position);top:2.63pt;width:105.75pt"><span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:22.51pt;position:var(--position);text-decoration:none;white-space:pre">At 30 June </span><span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:63.870000000000005pt;position:var(--position);text-decoration:none;white-space:pre">2026</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td colspan="3" style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:375.75pt;position:var(--position);width:105.75pt"><div><div style="font-size:12pt;line-height:8pt;position:var(--position);top:2.63pt;width:105.75pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:12.95pt;position:var(--position);text-decoration:none;white-space:pre">At 31 December </span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:73.96pt;position:var(--position);text-decoration:none;white-space:pre">2025</span></div></div></div></td></tr><tr style="height:32.25pt"><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:264.75pt;position:var(--position);top:12pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:3.55pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:16.32pt;position:var(--position);text-decoration:none;white-space:pre">Carrying</span></div><div style="line-height:8pt;position:var(--position);top:13.15pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:27.69pt;position:var(--position);text-decoration:none;white-space:pre">value</span></div><div style="line-height:8pt;position:var(--position);top:22.75pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:35.97pt;position:var(--position);text-decoration:none;white-space:pre">£m</span></div></div></div></td><td style="border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:320.25pt;position:var(--position);top:12pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:3.55pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:33.47pt;position:var(--position);text-decoration:none;white-space:pre">Fair</span></div><div style="line-height:8pt;position:var(--position);top:13.15pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:27.69pt;position:var(--position);text-decoration:none;white-space:pre">value</span></div><div style="line-height:8pt;position:var(--position);top:22.75pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:35.97pt;position:var(--position);text-decoration:none;white-space:pre">£m</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:375.75pt;position:var(--position);top:12pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:3.55pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:16.6pt;position:var(--position);text-decoration:none;white-space:pre">Carrying</span></div><div style="line-height:8pt;position:var(--position);top:13.15pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:27.91pt;position:var(--position);text-decoration:none;white-space:pre">value</span></div><div style="line-height:8pt;position:var(--position);top:22.75pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:36.03pt;position:var(--position);text-decoration:none;white-space:pre">£m</span></div></div></div></td><td style="border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:12pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:3.55pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:33.58pt;position:var(--position);text-decoration:none;white-space:pre">Fair</span></div><div style="line-height:8pt;position:var(--position);top:13.15pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:27.91pt;position:var(--position);text-decoration:none;white-space:pre">value</span></div><div style="line-height:8pt;position:var(--position);top:22.75pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:36.03pt;position:var(--position);text-decoration:none;white-space:pre">£m</span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:56.25pt;width:264.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:264.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Financial assets</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:68.25pt;width:264.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:264.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:8.3pt;position:var(--position);text-decoration:none;white-space:pre">Loans and advances to banks</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:264.75pt;position:var(--position);top:68.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:21.93pt"></span></span><span style="left:24.56pt;position:var(--position)">6,704<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:320.25pt;position:var(--position);top:68.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:21.93pt"></span></span><span style="left:24.56pt;position:var(--position)">6,704<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:375.75pt;position:var(--position);top:68.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:22.47pt"></span></span><span style="left:25.099999999999998pt;position:var(--position)">5,836<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:68.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:22.47pt"></span></span><span style="left:25.099999999999998pt;position:var(--position)">5,836<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:80.25pt;width:264.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:264.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:8.3pt;position:var(--position);text-decoration:none;white-space:pre">Loans and advances to customers</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:264.75pt;position:var(--position);top:80.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:12.35pt"></span></span><span style="left:14.98pt;position:var(--position)">470,268<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:320.25pt;position:var(--position);top:80.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:12.02pt"></span></span><span style="left:14.649999999999999pt;position:var(--position)">465,620<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:375.75pt;position:var(--position);top:80.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:13.91pt"></span></span><span style="left:16.54pt;position:var(--position)">461,504<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:80.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:11.67pt"></span></span><span style="left:14.3pt;position:var(--position)">460,820<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:92.25pt;width:264.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:264.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:8.3pt;position:var(--position);text-decoration:none;white-space:pre">Reverse repurchase agreements</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:264.75pt;position:var(--position);top:92.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:20.15pt"></span></span><span style="left:22.779999999999998pt;position:var(--position)">47,215<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:320.25pt;position:var(--position);top:92.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:20.15pt"></span></span><span style="left:22.779999999999998pt;position:var(--position)">47,215<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:375.75pt;position:var(--position);top:92.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:17.58pt"></span></span><span style="left:20.209999999999997pt;position:var(--position)">43,962<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:92.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:17.58pt"></span></span><span style="left:20.209999999999997pt;position:var(--position)">43,962<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:104.25pt;width:264.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:264.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:8.3pt;position:var(--position);text-decoration:none;white-space:pre">Debt securities</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:264.75pt;position:var(--position);top:104.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:21.57pt"></span></span><span style="left:24.2pt;position:var(--position)">15,128<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:320.25pt;position:var(--position);top:104.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:18.45pt"></span></span><span style="left:21.08pt;position:var(--position)">15,090<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:375.75pt;position:var(--position);top:104.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:21.43pt"></span></span><span style="left:24.06pt;position:var(--position)">11,983<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:104.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:24.24pt"></span></span><span style="left:26.869999999999997pt;position:var(--position)">12,112<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:116.25pt;width:264.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:264.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:8.3pt;position:var(--position);text-decoration:none;white-space:pre">Due from fellow Lloyds Banking Group undertakings</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:264.75pt;position:var(--position);top:116.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:24.04pt"></span></span><span style="left:26.669999999999998pt;position:var(--position)">1,462<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:320.25pt;position:var(--position);top:116.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:24.04pt"></span></span><span style="left:26.669999999999998pt;position:var(--position)">1,462<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:375.75pt;position:var(--position);top:116.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:26.54pt"></span></span><span style="left:29.169999999999998pt;position:var(--position)">1,182<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:116.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:26.54pt"></span></span><span style="left:29.169999999999998pt;position:var(--position)">1,182<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:140.25pt;width:264.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:264.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Financial liabilities</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:152.25pt;width:264.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:264.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:8.3pt;position:var(--position);text-decoration:none;white-space:pre">Deposits from banks</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:264.75pt;position:var(--position);top:152.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:23.05pt"></span></span><span style="left:25.68pt;position:var(--position)">5,274<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:320.25pt;position:var(--position);top:152.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:23.05pt"></span></span><span style="left:25.68pt;position:var(--position)">5,274<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:375.75pt;position:var(--position);top:152.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:22.14pt"></span></span><span style="left:24.77pt;position:var(--position)">3,085<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:152.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:22.14pt"></span></span><span style="left:24.77pt;position:var(--position)">3,085<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:164.25pt;width:264.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:264.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:8.3pt;position:var(--position);text-decoration:none;white-space:pre">Customer deposits</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:264.75pt;position:var(--position);top:164.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:11.56pt"></span></span><span style="left:14.190000000000001pt;position:var(--position)">466,996<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:320.25pt;position:var(--position);top:164.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:14.51pt"></span></span><span style="left:17.14pt;position:var(--position)">467,431<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:375.75pt;position:var(--position);top:164.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:13.15pt"></span></span><span style="left:15.780000000000001pt;position:var(--position)">465,207<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:164.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:13.05pt"></span></span><span style="left:15.68pt;position:var(--position)">466,567<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:176.25pt;width:264.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:264.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:8.3pt;position:var(--position);text-decoration:none;white-space:pre">Repurchase agreements at amortised cost</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:264.75pt;position:var(--position);top:176.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:15.74pt"></span></span><span style="left:18.37pt;position:var(--position)">44,600<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:320.25pt;position:var(--position);top:176.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:15.74pt"></span></span><span style="left:18.37pt;position:var(--position)">44,600<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:375.75pt;position:var(--position);top:176.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:19.12pt"></span></span><span style="left:21.75pt;position:var(--position)">37,567<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:176.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:19.12pt"></span></span><span style="left:21.75pt;position:var(--position)">37,567<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:188.25pt;width:264.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:264.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:8.3pt;position:var(--position);text-decoration:none;white-space:pre">Due to fellow Lloyds Banking Group undertakings</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:264.75pt;position:var(--position);top:188.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:23.24pt"></span></span><span style="left:25.869999999999997pt;position:var(--position)">5,522<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:320.25pt;position:var(--position);top:188.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:23.24pt"></span></span><span style="left:25.869999999999997pt;position:var(--position)">5,522<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:375.75pt;position:var(--position);top:188.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:22.9pt"></span></span><span style="left:25.529999999999998pt;position:var(--position)">3,852<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:188.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:22.9pt"></span></span><span style="left:25.529999999999998pt;position:var(--position)">3,852<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:200.25pt;width:264.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:264.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:8.3pt;position:var(--position);text-decoration:none;white-space:pre">Debt securities in issue</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:264.75pt;position:var(--position);top:200.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:16.73pt"></span></span><span style="left:19.36pt;position:var(--position)">62,806<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:320.25pt;position:var(--position);top:200.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:17.27pt"></span></span><span style="left:19.9pt;position:var(--position)">62,854<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:375.75pt;position:var(--position);top:200.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:20.6pt"></span></span><span style="left:23.23pt;position:var(--position)">52,132<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:200.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:18.36pt"></span></span><span style="left:20.99pt;position:var(--position)">52,202<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:212.25pt;width:264.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:264.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:8.3pt;position:var(--position);text-decoration:none;white-space:pre">Subordinated liabilities </span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:264.75pt;position:var(--position);top:212.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:23.13pt"></span></span><span style="left:25.759999999999998pt;position:var(--position)">7,582<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:320.25pt;position:var(--position);top:212.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:21.89pt"></span></span><span style="left:24.52pt;position:var(--position)">8,658<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:375.75pt;position:var(--position);top:212.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:21.68pt"></span></span><span style="left:24.31pt;position:var(--position)">8,020<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:212.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:21.9pt"></span></span><span style="left:24.529999999999998pt;position:var(--position)">9,058<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td></tr></tbody></table></div></div></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:377.34pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:481.58pt">The carrying amounts of cash and balances at central banks and notes in circulation are a reasonable</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.27pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:389.94pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:142.05pt">approximation of their fair values.</span></div> <span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:481.45pt">The following tables provide an analysis of the financial assets and liabilities of the Group that are carried at fair</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.14pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:106.89pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:481.54pt">value in the Group’s consolidated balance sheet, grouped into levels 1 to 3 based on the degree to which the fair</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.23pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:119.49pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:418.07pt">value is observable. There were no significant transfers between level 1 and level 2 during the period.</span></div><div style="position:var(--position);top:140.09pt;width:594.99pt"><div style="font-size:0pt;left:56.69pt;position:var(--position);width:481.5pt"><div><table style="border-collapse:collapse;display:inline-table;width:100%"><tbody><tr style="height:0"><td style="padding:0;width:273.75pt"></td><td style="padding:0;width:48pt"></td><td style="padding:0;width:5.25pt"></td><td style="padding:0;width:48pt"></td><td style="padding:0;width:5.25pt"></td><td style="padding:0;width:48pt"></td><td style="padding:0;width:5.25pt"></td><td style="padding:0;width:48pt"></td></tr><tr style="height:21.75pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);width:273.75pt"><div><div style="line-height:8pt;position:var(--position);top:12.25pt;width:273.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Financial assets</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:273.75pt;position:var(--position);width:48pt"><div><div style="line-height:8pt;position:var(--position);top:2.65pt;width:48pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:20.85pt;position:var(--position);text-decoration:none;white-space:pre">Level 1</span></div><div style="line-height:8pt;position:var(--position);top:12.25pt;width:48pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:33.72pt;position:var(--position);text-decoration:none;white-space:pre">£m</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:327pt;position:var(--position);width:48pt"><div><div style="line-height:8pt;position:var(--position);top:2.65pt;width:48pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:19.21pt;position:var(--position);text-decoration:none;white-space:pre">Level 2</span></div><div style="line-height:8pt;position:var(--position);top:12.25pt;width:48pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:33.72pt;position:var(--position);text-decoration:none;white-space:pre">£m</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:380.25pt;position:var(--position);width:48pt"><div><div style="line-height:8pt;position:var(--position);top:2.65pt;width:48pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:19.04pt;position:var(--position);text-decoration:none;white-space:pre">Level 3</span></div><div style="line-height:8pt;position:var(--position);top:12.25pt;width:48pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:33.72pt;position:var(--position);text-decoration:none;white-space:pre">£m</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:433.5pt;position:var(--position);width:48pt"><div><div style="line-height:8pt;position:var(--position);top:2.65pt;width:48pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:25.56pt;position:var(--position);text-decoration:none;white-space:pre">Total</span></div><div style="line-height:8pt;position:var(--position);top:12.25pt;width:48pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:33.72pt;position:var(--position);text-decoration:none;white-space:pre">£m</span></div></div></div></td></tr><tr style="height:8.25pt"><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:30pt;width:273.75pt"><div><div style="font-size:12pt;line-height:8pt;position:var(--position);top:2.63pt;width:273.75pt"><span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">At </span><span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:13.649999999999999pt;position:var(--position);text-decoration:none;white-space:pre">30 June 2026</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:42pt;width:273.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:273.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Financial assets at fair value through profit or loss:</span></div></div></div></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td></tr><tr style="height:12pt"><td style="border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:54pt;width:273.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:273.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:8.3pt;position:var(--position);text-decoration:none;white-space:pre">Loans and advances to customers</span></div></div></div></td><td style="border-left:0.5pt solid #000;border-right:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:273.75pt;position:var(--position);top:54pt;width:48pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:48pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:37.59pt"></span></span><span style="left:40.220000000000006pt;position:var(--position)">–<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="border-left:0.5pt solid #000;border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-left:0.5pt solid #000;border-right:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:327pt;position:var(--position);top:54pt;width:48pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:48pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:24.01pt"></span></span><span style="left:26.64pt;position:var(--position)">1,216<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="border-left:0.5pt solid #000;border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-left:0.5pt solid #000;border-right:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:380.25pt;position:var(--position);top:54pt;width:48pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:48pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:28.1pt"></span></span><span style="left:30.73pt;position:var(--position)">237<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="border-left:0.5pt solid #000;border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-left:0.5pt solid #000;border-right:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:433.5pt;position:var(--position);top:54pt;width:48pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:48pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:21.97pt"></span></span><span style="left:24.599999999999998pt;position:var(--position)">1,453<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:66pt;width:273.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:273.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:8.3pt;position:var(--position);text-decoration:none;white-space:pre">Debt securities</span></div></div></div></td><td style="border-left:0.5pt solid #000;border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:273.75pt;position:var(--position);top:66pt;width:48pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:48pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:37.59pt"></span></span><span style="left:40.220000000000006pt;position:var(--position)">–<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="border-left:0.5pt solid #000;border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-left:0.5pt solid #000;border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:327pt;position:var(--position);top:66pt;width:48pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:48pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:37.59pt"></span></span><span style="left:40.220000000000006pt;position:var(--position)">–<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="border-left:0.5pt solid #000;border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-left:0.5pt solid #000;border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:380.25pt;position:var(--position);top:66pt;width:48pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:48pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:37.35pt"></span></span><span style="left:39.980000000000004pt;position:var(--position)">7<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="border-left:0.5pt solid #000;border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-left:0.5pt solid #000;border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:433.5pt;position:var(--position);top:66pt;width:48pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:48pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:37.35pt"></span></span><span style="left:39.980000000000004pt;position:var(--position)">7<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:78pt;width:273.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:273.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:8.3pt;position:var(--position);text-decoration:none;white-space:pre">Equity shares</span></div></div></div></td><td style="border-bottom:0.5pt solid #000;border-left:0.5pt solid #000;border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:273.75pt;position:var(--position);top:78pt;width:48pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:48pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:27.09pt"></span></span><span style="left:29.72pt;position:var(--position)">296<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="border-left:0.5pt solid #000;border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;border-left:0.5pt solid #000;border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:327pt;position:var(--position);top:78pt;width:48pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:48pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:37.59pt"></span></span><span style="left:40.220000000000006pt;position:var(--position)">–<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="border-left:0.5pt solid #000;border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;border-left:0.5pt solid #000;border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:380.25pt;position:var(--position);top:78pt;width:48pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:48pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:36.96pt"></span></span><span style="left:39.59pt;position:var(--position)">5<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="border-left:0.5pt solid #000;border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;border-left:0.5pt solid #000;border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:433.5pt;position:var(--position);top:78pt;width:48pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:48pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:28.67pt"></span></span><span style="left:31.3pt;position:var(--position)">301<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:90pt;width:273.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:273.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Total financial assets at fair value through profit or loss</span></div></div></div></td><td style="border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:273.75pt;position:var(--position);top:90pt;width:48pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:48pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:27.09pt"></span></span><span style="left:29.72pt;position:var(--position)">296<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:327pt;position:var(--position);top:90pt;width:48pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:48pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:24.01pt"></span></span><span style="left:26.64pt;position:var(--position)">1,216<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:380.25pt;position:var(--position);top:90pt;width:48pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:48pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:26.95pt"></span></span><span style="left:29.58pt;position:var(--position)">249<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:433.5pt;position:var(--position);top:90pt;width:48pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:48pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:24.31pt"></span></span><span style="left:26.939999999999998pt;position:var(--position)">1,761<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:102pt;width:273.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:273.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Debt securities at fair value through other comprehensive income</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:273.75pt;position:var(--position);top:102pt;width:48pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:48pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:17.92pt"></span></span><span style="left:20.55pt;position:var(--position)">25,351<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:327pt;position:var(--position);top:102pt;width:48pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:48pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:16.72pt"></span></span><span style="left:19.349999999999998pt;position:var(--position)">14,965<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:380.25pt;position:var(--position);top:102pt;width:48pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:48pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:31.49pt"></span></span><span style="left:34.12pt;position:var(--position)">49<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:433.5pt;position:var(--position);top:102pt;width:48pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:48pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:14.58pt"></span></span><span style="left:17.21pt;position:var(--position)">40,365<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:114pt;width:273.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:273.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Derivative financial instruments</span></div></div></div></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:273.75pt;position:var(--position);top:114pt;width:48pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:48pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:37.59pt"></span></span><span style="left:40.220000000000006pt;position:var(--position)">–<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:327pt;position:var(--position);top:114pt;width:48pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:48pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:19.23pt"></span></span><span style="left:21.86pt;position:var(--position)">3,088<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:380.25pt;position:var(--position);top:114pt;width:48pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:48pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:37.59pt"></span></span><span style="left:40.220000000000006pt;position:var(--position)">–<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:433.5pt;position:var(--position);top:114pt;width:48pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:48pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:19.23pt"></span></span><span style="left:21.86pt;position:var(--position)">3,088<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:126pt;width:273.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:273.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Total financial assets carried at fair value</span></div></div></div></td><td style="border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:273.75pt;position:var(--position);top:126pt;width:48pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:48pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:15.82pt"></span></span><span style="left:18.45pt;position:var(--position)">25,647<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:327pt;position:var(--position);top:126pt;width:48pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:48pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:16.95pt"></span></span><span style="left:19.58pt;position:var(--position)">19,269<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:380.25pt;position:var(--position);top:126pt;width:48pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:48pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:27.03pt"></span></span><span style="left:29.66pt;position:var(--position)">298<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:433.5pt;position:var(--position);top:126pt;width:48pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:48pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:17.02pt"></span></span><span style="left:19.65pt;position:var(--position)">45,214<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td></tr><tr style="height:8.25pt"><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:146.25pt;width:273.75pt"><div><div style="font-size:12pt;line-height:8pt;position:var(--position);top:2.63pt;width:273.75pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">At 31 December </span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:63.64pt;position:var(--position);text-decoration:none;white-space:pre">2025</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:158.25pt;width:273.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:273.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Financial assets at fair value through profit or loss:</span></div></div></div></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td></tr><tr style="height:12pt"><td style="border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:170.25pt;width:273.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:273.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:8.3pt;position:var(--position);text-decoration:none;white-space:pre">Loans and advances to customers</span></div></div></div></td><td style="border-left:0.5pt solid #000;border-right:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:273.75pt;position:var(--position);top:170.25pt;width:48pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:48pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:37.59pt"></span></span><span style="left:40.220000000000006pt;position:var(--position)">–<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="border-left:0.5pt solid #000;border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-left:0.5pt solid #000;border-right:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:327pt;position:var(--position);top:170.25pt;width:48pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:48pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:26.72pt"></span></span><span style="left:29.349999999999998pt;position:var(--position)">1,711<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="border-left:0.5pt solid #000;border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-left:0.5pt solid #000;border-right:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:380.25pt;position:var(--position);top:170.25pt;width:48pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:48pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:27.6pt"></span></span><span style="left:30.23pt;position:var(--position)">282<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="border-left:0.5pt solid #000;border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-left:0.5pt solid #000;border-right:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:433.5pt;position:var(--position);top:170.25pt;width:48pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:48pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:22.02pt"></span></span><span style="left:24.65pt;position:var(--position)">1,993<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:182.25pt;width:273.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:273.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:8.3pt;position:var(--position);text-decoration:none;white-space:pre">Debt securities</span></div></div></div></td><td style="border-left:0.5pt solid #000;border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:273.75pt;position:var(--position);top:182.25pt;width:48pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:48pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:37.59pt"></span></span><span style="left:40.220000000000006pt;position:var(--position)">–<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="border-left:0.5pt solid #000;border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-left:0.5pt solid #000;border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:327pt;position:var(--position);top:182.25pt;width:48pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:48pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:37.59pt"></span></span><span style="left:40.220000000000006pt;position:var(--position)">–<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="border-left:0.5pt solid #000;border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-left:0.5pt solid #000;border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:380.25pt;position:var(--position);top:182.25pt;width:48pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:48pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:37.59pt"></span></span><span style="left:40.220000000000006pt;position:var(--position)">–<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="border-left:0.5pt solid #000;border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-left:0.5pt solid #000;border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:433.5pt;position:var(--position);top:182.25pt;width:48pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:48pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:37.59pt"></span></span><span style="left:40.220000000000006pt;position:var(--position)">–<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:194.25pt;width:273.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:273.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:8.3pt;position:var(--position);text-decoration:none;white-space:pre">Equity shares</span></div></div></div></td><td style="border-bottom:0.5pt solid #000;border-left:0.5pt solid #000;border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:273.75pt;position:var(--position);top:194.25pt;width:48pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:48pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:29.27pt"></span></span><span style="left:31.9pt;position:var(--position)">281<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="border-left:0.5pt solid #000;border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;border-left:0.5pt solid #000;border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:327pt;position:var(--position);top:194.25pt;width:48pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:48pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:37.59pt"></span></span><span style="left:40.220000000000006pt;position:var(--position)">–<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="border-left:0.5pt solid #000;border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;border-left:0.5pt solid #000;border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:380.25pt;position:var(--position);top:194.25pt;width:48pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:48pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:36.99pt"></span></span><span style="left:39.620000000000005pt;position:var(--position)">5<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="border-left:0.5pt solid #000;border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;border-left:0.5pt solid #000;border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:433.5pt;position:var(--position);top:194.25pt;width:48pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:48pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:27.17pt"></span></span><span style="left:29.8pt;position:var(--position)">286<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:206.25pt;width:273.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:273.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Total financial assets at fair value through profit or loss</span></div></div></div></td><td style="border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:273.75pt;position:var(--position);top:206.25pt;width:48pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:48pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:29.27pt"></span></span><span style="left:31.9pt;position:var(--position)">281<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:327pt;position:var(--position);top:206.25pt;width:48pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:48pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:26.72pt"></span></span><span style="left:29.349999999999998pt;position:var(--position)">1,711<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:380.25pt;position:var(--position);top:206.25pt;width:48pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:48pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:27.91pt"></span></span><span style="left:30.54pt;position:var(--position)">287<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:433.5pt;position:var(--position);top:206.25pt;width:48pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:48pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:21.28pt"></span></span><span style="left:23.91pt;position:var(--position)">2,279<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:218.25pt;width:273.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:273.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Debt securities at fair value through other comprehensive income</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:273.75pt;position:var(--position);top:218.25pt;width:48pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:48pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:16.62pt"></span></span><span style="left:19.25pt;position:var(--position)">24,140<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:327pt;position:var(--position);top:218.25pt;width:48pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:48pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:17.7pt"></span></span><span style="left:20.33pt;position:var(--position)">12,067<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:380.25pt;position:var(--position);top:218.25pt;width:48pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:48pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:31.74pt"></span></span><span style="left:34.37pt;position:var(--position)">50<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:433.5pt;position:var(--position);top:218.25pt;width:48pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:48pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:16.49pt"></span></span><span style="left:19.119999999999997pt;position:var(--position)">36,257<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:230.25pt;width:273.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:273.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Derivative financial instruments</span></div></div></div></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:273.75pt;position:var(--position);top:230.25pt;width:48pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:48pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:37.59pt"></span></span><span style="left:40.220000000000006pt;position:var(--position)">–<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:327pt;position:var(--position);top:230.25pt;width:48pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:48pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:20.02pt"></span></span><span style="left:22.65pt;position:var(--position)">3,260<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:380.25pt;position:var(--position);top:230.25pt;width:48pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:48pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:37.59pt"></span></span><span style="left:40.220000000000006pt;position:var(--position)">–<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:433.5pt;position:var(--position);top:230.25pt;width:48pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:48pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:20.02pt"></span></span><span style="left:22.65pt;position:var(--position)">3,260<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:242.25pt;width:273.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:273.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Total financial assets carried at fair value</span></div></div></div></td><td style="border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:273.75pt;position:var(--position);top:242.25pt;width:48pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:48pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:17.38pt"></span></span><span style="left:20.009999999999998pt;position:var(--position)">24,421<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:327pt;position:var(--position);top:242.25pt;width:48pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:48pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:17.42pt"></span></span><span style="left:20.05pt;position:var(--position)">17,038<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:380.25pt;position:var(--position);top:242.25pt;width:48pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:48pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:28.05pt"></span></span><span style="left:30.68pt;position:var(--position)">337<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:433.5pt;position:var(--position);top:242.25pt;width:48pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:48pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:17.43pt"></span></span><span style="left:20.06pt;position:var(--position)">41,796<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td></tr></tbody></table></div></div></div> 0 1216000000 237000000 1453000000 0 0 7000000 7000000 296000000 0 5000000 301000000 296000000 1216000000 249000000 1761000000 25351000000 14965000000 49000000 40365000000 0 3088000000 0 3088000000 25647000000 19269000000 298000000 45214000000 0 1711000000 282000000 1993000000 0 0 0 0 281000000 0 5000000 286000000 281000000 1711000000 287000000 2279000000 24140000000 12067000000 50000000 36257000000 0 3260000000 0 3260000000 24421000000 17038000000 337000000 41796000000 <div style="font-size:0pt;left:56.69pt;position:var(--position);width:481.5pt"><div><table style="border-collapse:collapse;display:inline-table;width:100%"><tbody><tr style="height:0"><td style="padding:0;width:273.75pt"></td><td style="padding:0;width:48pt"></td><td style="padding:0;width:5.25pt"></td><td style="padding:0;width:48pt"></td><td style="padding:0;width:5.25pt"></td><td style="padding:0;width:48pt"></td><td style="padding:0;width:5.25pt"></td><td style="padding:0;width:48pt"></td></tr><tr style="height:20.25pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);width:273.75pt"><div><div style="line-height:8pt;position:var(--position);top:10.75pt;width:273.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Financial liabilities</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:273.75pt;position:var(--position);width:48pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:48pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:20.85pt;position:var(--position);text-decoration:none;white-space:pre">Level 1</span></div><div style="line-height:8pt;position:var(--position);top:12.23pt;width:48pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:33.72pt;position:var(--position);text-decoration:none;white-space:pre">£m</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:327pt;position:var(--position);width:48pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:48pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:19.21pt;position:var(--position);text-decoration:none;white-space:pre">Level 2</span></div><div style="line-height:8pt;position:var(--position);top:12.23pt;width:48pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:33.72pt;position:var(--position);text-decoration:none;white-space:pre">£m</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:380.25pt;position:var(--position);width:48pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:48pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:19.04pt;position:var(--position);text-decoration:none;white-space:pre">Level 3</span></div><div style="line-height:8pt;position:var(--position);top:12.23pt;width:48pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:33.72pt;position:var(--position);text-decoration:none;white-space:pre">£m</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:433.5pt;position:var(--position);width:48pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:48pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:25.56pt;position:var(--position);text-decoration:none;white-space:pre">Total</span></div><div style="line-height:8pt;position:var(--position);top:12.23pt;width:48pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:33.72pt;position:var(--position);text-decoration:none;white-space:pre">£m</span></div></div></div></td></tr><tr style="height:6pt"><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:26.25pt;width:273.75pt"><div><div style="font-size:12pt;line-height:8pt;position:var(--position);top:2.63pt;width:273.75pt"><span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">At 30 June </span><span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:43.99pt;position:var(--position);text-decoration:none;white-space:pre">2026</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:38.25pt;width:273.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:273.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Debt securities in issue designated at fair value through profit or loss </span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:273.75pt;position:var(--position);top:38.25pt;width:48pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:48pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:37.59pt"></span></span><span style="left:40.220000000000006pt;position:var(--position)">–<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:327pt;position:var(--position);top:38.25pt;width:48pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:48pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:22.23pt"></span></span><span style="left:24.86pt;position:var(--position)">4,221<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:380.25pt;position:var(--position);top:38.25pt;width:48pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:48pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:34.45pt"></span></span><span style="left:37.080000000000005pt;position:var(--position)">17<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:433.5pt;position:var(--position);top:38.25pt;width:48pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:48pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:19.92pt"></span></span><span style="left:22.55pt;position:var(--position)">4,238<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:50.25pt;width:273.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:273.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Derivative financial instruments</span></div></div></div></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:273.75pt;position:var(--position);top:50.25pt;width:48pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:48pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:37.59pt"></span></span><span style="left:40.220000000000006pt;position:var(--position)">–<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:327pt;position:var(--position);top:50.25pt;width:48pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:48pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:20pt"></span></span><span style="left:22.63pt;position:var(--position)">4,285<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:380.25pt;position:var(--position);top:50.25pt;width:48pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:48pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:29.14pt"></span></span><span style="left:31.77pt;position:var(--position)">107<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:433.5pt;position:var(--position);top:50.25pt;width:48pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:48pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:19.98pt"></span></span><span style="left:22.61pt;position:var(--position)">4,392<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:62.25pt;width:273.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:273.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Total financial liabilities carried at fair value</span></div></div></div></td><td style="border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:273.75pt;position:var(--position);top:62.25pt;width:48pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:48pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:37.59pt"></span></span><span style="left:40.220000000000006pt;position:var(--position)">–<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:327pt;position:var(--position);top:62.25pt;width:48pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:48pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:19.37pt"></span></span><span style="left:22pt;position:var(--position)">8,506<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:380.25pt;position:var(--position);top:62.25pt;width:48pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:48pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:29.03pt"></span></span><span style="left:31.66pt;position:var(--position)">124<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:433.5pt;position:var(--position);top:62.25pt;width:48pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:48pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:19.29pt"></span></span><span style="left:21.919999999999998pt;position:var(--position)">8,630<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td></tr><tr style="height:6pt"><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:80.25pt;width:273.75pt"><div><div style="font-size:12pt;line-height:8pt;position:var(--position);top:2.63pt;width:273.75pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">At 31 December </span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:63.64pt;position:var(--position);text-decoration:none;white-space:pre">2025</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:92.25pt;width:273.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:273.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Debt securities in issue designated at fair value through profit or loss</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:273.75pt;position:var(--position);top:92.25pt;width:48pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:48pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:37.59pt"></span></span><span style="left:40.220000000000006pt;position:var(--position)">–<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:327pt;position:var(--position);top:92.25pt;width:48pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:48pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:20.37pt"></span></span><span style="left:23pt;position:var(--position)">4,226<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:380.25pt;position:var(--position);top:92.25pt;width:48pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:48pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:34.59pt"></span></span><span style="left:37.220000000000006pt;position:var(--position)">17<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:433.5pt;position:var(--position);top:92.25pt;width:48pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:48pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:20.01pt"></span></span><span style="left:22.64pt;position:var(--position)">4,243<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:104.25pt;width:273.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:273.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Derivative financial instruments</span></div></div></div></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:273.75pt;position:var(--position);top:104.25pt;width:48pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:48pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:37.59pt"></span></span><span style="left:40.220000000000006pt;position:var(--position)">–<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:327pt;position:var(--position);top:104.25pt;width:48pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:48pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:21.52pt"></span></span><span style="left:24.15pt;position:var(--position)">4,168<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:380.25pt;position:var(--position);top:104.25pt;width:48pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:48pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:30.94pt"></span></span><span style="left:33.57pt;position:var(--position)">118<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:433.5pt;position:var(--position);top:104.25pt;width:48pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:48pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:19.85pt"></span></span><span style="left:22.48pt;position:var(--position)">4,286<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:116.25pt;width:273.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:273.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Total financial liabilities carried at fair value</span></div></div></div></td><td style="border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:273.75pt;position:var(--position);top:116.25pt;width:48pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:48pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:37.59pt"></span></span><span style="left:40.220000000000006pt;position:var(--position)">–<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:327pt;position:var(--position);top:116.25pt;width:48pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:48pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:19.66pt"></span></span><span style="left:22.29pt;position:var(--position)">8,394<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:380.25pt;position:var(--position);top:116.25pt;width:48pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:48pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:29.49pt"></span></span><span style="left:32.12pt;position:var(--position)">135<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:433.5pt;position:var(--position);top:116.25pt;width:48pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:48pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:20.34pt"></span></span><span style="left:22.97pt;position:var(--position)">8,529<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td></tr></tbody></table></div></div> 0 4221000000 17000000 4238000000 0 4285000000 107000000 4392000000 0 8506000000 124000000 8630000000 0 4226000000 17000000 4243000000 0 4168000000 118000000 4286000000 0 8394000000 135000000 8529000000 <span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:318.89pt">The tables below analyse movements in the level 3 financial assets portfolio.</span><div style="position:var(--position);top:128.69pt;width:594.99pt"><div style="font-size:0pt;left:56.69pt;position:var(--position);width:481.5pt"><div><table style="border-collapse:collapse;display:inline-table;width:100%"><tbody><tr style="height:0"><td style="padding:0;width:270.75pt"></td><td style="padding:0;width:68.25pt"></td><td style="padding:0;width:3pt"></td><td style="padding:0;width:68.25pt"></td><td style="padding:0;width:3pt"></td><td style="padding:0;width:68.25pt"></td></tr><tr style="height:69.75pt"><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:270.75pt;position:var(--position);width:68.25pt"><div><div style="line-height:8pt;position:var(--position);top:12.25pt;width:68.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:32.07pt;position:var(--position);text-decoration:none;white-space:pre">Financial</span></div><div style="line-height:8pt;position:var(--position);top:21.85pt;width:68.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:32.86pt;position:var(--position);text-decoration:none;white-space:pre">assets at</span></div><div style="line-height:8pt;position:var(--position);top:31.45pt;width:68.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:31.17pt;position:var(--position);text-decoration:none;white-space:pre">fair value</span></div><div style="line-height:8pt;position:var(--position);top:41.05pt;width:68.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:35.96pt;position:var(--position);text-decoration:none;white-space:pre">through</span></div><div style="line-height:8pt;position:var(--position);top:50.65pt;width:68.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:18.6pt;position:var(--position);text-decoration:none;white-space:pre">profit or loss</span></div><div style="line-height:8pt;position:var(--position);top:60.25pt;width:68.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:53.97pt;position:var(--position);text-decoration:none;white-space:pre">£m</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:342pt;position:var(--position);width:68.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.65pt;width:68.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:32.07pt;position:var(--position);text-decoration:none;white-space:pre">Financial</span></div><div style="line-height:8pt;position:var(--position);top:12.25pt;width:68.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:32.86pt;position:var(--position);text-decoration:none;white-space:pre">assets at</span></div><div style="line-height:8pt;position:var(--position);top:21.85pt;width:68.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:31.17pt;position:var(--position);text-decoration:none;white-space:pre">fair value </span></div><div style="line-height:8pt;position:var(--position);top:31.45pt;width:68.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:13.5pt;position:var(--position);text-decoration:none;white-space:pre">through other </span></div><div style="line-height:8pt;position:var(--position);top:41.05pt;width:68.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:8.86pt;position:var(--position);text-decoration:none;white-space:pre">comprehensive </span></div><div style="line-height:8pt;position:var(--position);top:50.65pt;width:68.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:38.13pt;position:var(--position);text-decoration:none;white-space:pre">income</span></div><div style="line-height:8pt;position:var(--position);top:60.25pt;width:68.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:53.97pt;position:var(--position);text-decoration:none;white-space:pre">£m</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:413.25pt;position:var(--position);width:68.25pt"><div><div style="line-height:8pt;position:var(--position);top:12.25pt;width:68.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:45.81pt;position:var(--position);text-decoration:none;white-space:pre">Total</span></div><div style="line-height:8pt;position:var(--position);top:21.85pt;width:68.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:33.7pt;position:var(--position);text-decoration:none;white-space:pre">financial</span></div><div style="line-height:8pt;position:var(--position);top:31.45pt;width:68.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:42.8pt;position:var(--position);text-decoration:none;white-space:pre">assets</span></div><div style="line-height:8pt;position:var(--position);top:41.05pt;width:68.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:29.56pt;position:var(--position);text-decoration:none;white-space:pre">carried at</span></div><div style="line-height:8pt;position:var(--position);top:50.65pt;width:68.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:31.17pt;position:var(--position);text-decoration:none;white-space:pre">fair value</span></div><div style="line-height:8pt;position:var(--position);top:60.25pt;width:68.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:53.97pt;position:var(--position);text-decoration:none;white-space:pre">£m</span></div></div></div></td></tr><tr style="height:15.75pt"><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td></tr><tr style="height:12.75pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:85.5pt;width:270.75pt"><div><div style="font-size:12pt;line-height:8pt;position:var(--position);top:3.25pt;width:270.75pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">At 1 January </span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:48.2pt;position:var(--position);text-decoration:none;white-space:pre">2026</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:270.75pt;position:var(--position);top:85.5pt;width:68.25pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:68.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:48.02pt"></span></span><span style="left:50.650000000000006pt;position:var(--position)">287<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:342pt;position:var(--position);top:85.5pt;width:68.25pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:68.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:51.9pt"></span></span><span style="left:54.53pt;position:var(--position)">50<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:413.25pt;position:var(--position);top:85.5pt;width:68.25pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:68.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:48.18pt"></span></span><span style="left:50.81pt;position:var(--position)">337<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td></tr><tr style="height:12.75pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:98.25pt;width:270.75pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:270.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Exchange and other adjustments</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:270.75pt;position:var(--position);top:98.25pt;width:68.25pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:68.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:57.84pt"></span></span><span style="left:60.470000000000006pt;position:var(--position)">–<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:342pt;position:var(--position);top:98.25pt;width:68.25pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:68.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:55.91pt"></span></span><span style="left:58.54pt;position:var(--position)">(1)</span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:413.25pt;position:var(--position);top:98.25pt;width:68.25pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:68.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:55.91pt"></span></span><span style="left:58.54pt;position:var(--position)">(1)</span></span></div></div></div></td></tr><tr style="height:12.75pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:111pt;width:270.75pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:270.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">(Losses) gains recognised in the income statement within other income</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:270.75pt;position:var(--position);top:111pt;width:68.25pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:68.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:53.83pt"></span></span><span style="left:56.46pt;position:var(--position)">(6)</span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:342pt;position:var(--position);top:111pt;width:68.25pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:68.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:58.94pt"></span></span><span style="left:61.57pt;position:var(--position)">1<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:413.25pt;position:var(--position);top:111pt;width:68.25pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:68.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:54.18pt"></span></span><span style="left:56.81pt;position:var(--position)">(5)</span></span></div></div></div></td></tr><tr style="height:12.75pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:123.75pt;width:270.75pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:270.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Purchases/increases</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:270.75pt;position:var(--position);top:123.75pt;width:68.25pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:68.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:56.86pt"></span></span><span style="left:59.49pt;position:var(--position)">9<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:342pt;position:var(--position);top:123.75pt;width:68.25pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:68.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:57.84pt"></span></span><span style="left:60.470000000000006pt;position:var(--position)">–<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:413.25pt;position:var(--position);top:123.75pt;width:68.25pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:68.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:56.86pt"></span></span><span style="left:59.49pt;position:var(--position)">9<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td></tr><tr style="height:12.75pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:136.5pt;width:270.75pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:270.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Sales/repayments</span></div></div></div></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:270.75pt;position:var(--position);top:136.5pt;width:68.25pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:68.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:50.79pt"></span></span><span style="left:53.42pt;position:var(--position)">(41)</span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:342pt;position:var(--position);top:136.5pt;width:68.25pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:68.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:55.91pt"></span></span><span style="left:58.54pt;position:var(--position)">(1)</span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:413.25pt;position:var(--position);top:136.5pt;width:68.25pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:68.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:49.15pt"></span></span><span style="left:51.78pt;position:var(--position)">(42)</span></span></div></div></div></td></tr><tr style="height:12.75pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:149.25pt;width:270.75pt"><div><div style="font-size:12pt;line-height:8pt;position:var(--position);top:3.25pt;width:270.75pt"><span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">At 30 June </span><span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:43.99pt;position:var(--position);text-decoration:none;white-space:pre">2026</span></div></div></div></td><td style="border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:270.75pt;position:var(--position);top:149.25pt;width:68.25pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:68.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:47.2pt"></span></span><span style="left:49.830000000000005pt;position:var(--position)">249<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:342pt;position:var(--position);top:149.25pt;width:68.25pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:68.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:51.74pt"></span></span><span style="left:54.370000000000005pt;position:var(--position)">49<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:413.25pt;position:var(--position);top:149.25pt;width:68.25pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:68.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:47.28pt"></span></span><span style="left:49.910000000000004pt;position:var(--position)">298<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td></tr><tr style="height:32.25pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:162pt;width:270.75pt"><div><div style="line-height:8pt;position:var(--position);top:3.55pt;width:270.75pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">(Losses) gains recognised in the income statement, within other </span></div><div style="line-height:8pt;position:var(--position);top:13.15pt;width:270.75pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">income, relating to the change in fair value of those assets held at 30 </span></div><div style="font-size:12pt;line-height:8pt;position:var(--position);top:22.75pt;width:270.75pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">June </span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:20.82pt;position:var(--position);text-decoration:none;white-space:pre">2026</span></div></div></div></td><td style="border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:270.75pt;position:var(--position);top:162pt;width:68.25pt"><div><div style="line-height:8pt;position:var(--position);top:22.75pt;width:68.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:53.69pt"></span></span><span style="left:56.32pt;position:var(--position)">(4)</span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:342pt;position:var(--position);top:162pt;width:68.25pt"><div><div style="line-height:8pt;position:var(--position);top:22.75pt;width:68.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:58.94pt"></span></span><span style="left:61.57pt;position:var(--position)">1<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:413.25pt;position:var(--position);top:162pt;width:68.25pt"><div><div style="line-height:8pt;position:var(--position);top:22.75pt;width:68.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:54.1pt"></span></span><span style="left:56.730000000000004pt;position:var(--position)">(3)</span></span></div></div></div></td></tr></tbody></table></div></div></div><div style="position:var(--position);top:335.94pt;width:594.99pt"><div style="font-size:0pt;left:56.69pt;position:var(--position);width:481.5pt"><div><table style="border-collapse:collapse;display:inline-table;width:100%"><tbody><tr style="height:0"><td style="padding:0;width:270.75pt"></td><td style="padding:0;width:68.25pt"></td><td style="padding:0;width:3pt"></td><td style="padding:0;width:68.25pt"></td><td style="padding:0;width:3pt"></td><td style="padding:0;width:68.25pt"></td></tr><tr style="height:12.75pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);width:270.75pt"><div><div style="font-size:12pt;line-height:8pt;position:var(--position);top:3.25pt;width:270.75pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">At 1 January </span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:48.2pt;position:var(--position);text-decoration:none;white-space:pre">2025</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:270.75pt;position:var(--position);width:68.25pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:68.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:47.16pt"></span></span><span style="left:49.79pt;position:var(--position)">280<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:342pt;position:var(--position);width:68.25pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:68.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:51.81pt"></span></span><span style="left:54.440000000000005pt;position:var(--position)">48<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:413.25pt;position:var(--position);width:68.25pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:68.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:47.73pt"></span></span><span style="left:50.36pt;position:var(--position)">328<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td></tr><tr style="height:12.75pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:12.75pt;width:270.75pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:270.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Exchange and other adjustments</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:270.75pt;position:var(--position);top:12.75pt;width:68.25pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:68.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:57.91pt"></span></span><span style="left:60.54pt;position:var(--position)">–<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:342pt;position:var(--position);top:12.75pt;width:68.25pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:68.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:57.42pt"></span></span><span style="left:60.050000000000004pt;position:var(--position)">2<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:413.25pt;position:var(--position);top:12.75pt;width:68.25pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:68.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:57.42pt"></span></span><span style="left:60.050000000000004pt;position:var(--position)">2<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td></tr><tr style="height:12.75pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:25.5pt;width:270.75pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:270.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">(Losses) gains recognised in the income statement within other income</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:270.75pt;position:var(--position);top:25.5pt;width:68.25pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:68.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:51.21pt"></span></span><span style="left:53.84pt;position:var(--position)">(16)</span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:342pt;position:var(--position);top:25.5pt;width:68.25pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:68.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:57.42pt"></span></span><span style="left:60.050000000000004pt;position:var(--position)">2<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:413.25pt;position:var(--position);top:25.5pt;width:68.25pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:68.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:51.04pt"></span></span><span style="left:53.67pt;position:var(--position)">(14)</span></span></div></div></div></td></tr><tr style="height:21.75pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:38.25pt;width:270.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.65pt;width:270.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Losses recognised in other comprehensive income within the </span></div><div style="line-height:8pt;position:var(--position);top:12.25pt;width:270.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">revaluation reserve in respect of financial assets at FVOCI</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:270.75pt;position:var(--position);top:38.25pt;width:68.25pt"><div><div style="line-height:8pt;position:var(--position);top:12.25pt;width:68.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:57.91pt"></span></span><span style="left:60.54pt;position:var(--position)">–<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:342pt;position:var(--position);top:38.25pt;width:68.25pt"><div><div style="line-height:8pt;position:var(--position);top:12.25pt;width:68.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:56.13pt"></span></span><span style="left:58.760000000000005pt;position:var(--position)">(1)</span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:413.25pt;position:var(--position);top:38.25pt;width:68.25pt"><div><div style="line-height:8pt;position:var(--position);top:12.25pt;width:68.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:56.13pt"></span></span><span style="left:58.760000000000005pt;position:var(--position)">(1)</span></span></div></div></div></td></tr><tr style="height:12.75pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:60pt;width:270.75pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:270.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Purchases/increases</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:270.75pt;position:var(--position);top:60pt;width:68.25pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:68.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:54pt"></span></span><span style="left:56.63pt;position:var(--position)">14<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:342pt;position:var(--position);top:60pt;width:68.25pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:68.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:57.91pt"></span></span><span style="left:60.54pt;position:var(--position)">–<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:413.25pt;position:var(--position);top:60pt;width:68.25pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:68.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:54pt"></span></span><span style="left:56.63pt;position:var(--position)">14<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td></tr><tr style="height:12.75pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:72.75pt;width:270.75pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:270.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Sales/repayments</span></div></div></div></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:270.75pt;position:var(--position);top:72.75pt;width:68.25pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:68.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:51.12pt"></span></span><span style="left:53.75pt;position:var(--position)">(18)</span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:342pt;position:var(--position);top:72.75pt;width:68.25pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:68.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:54.46pt"></span></span><span style="left:57.09pt;position:var(--position)">(2)</span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:413.25pt;position:var(--position);top:72.75pt;width:68.25pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:68.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:49.21pt"></span></span><span style="left:51.84pt;position:var(--position)">(20)</span></span></div></div></div></td></tr><tr style="height:12.75pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:85.5pt;width:270.75pt"><div><div style="font-size:12pt;line-height:8pt;position:var(--position);top:3.25pt;width:270.75pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">At 30 June </span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:43.75pt;position:var(--position);text-decoration:none;white-space:pre">2025</span></div></div></div></td><td style="border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:270.75pt;position:var(--position);top:85.5pt;width:68.25pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:68.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:47.25pt"></span></span><span style="left:49.88pt;position:var(--position)">260<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:342pt;position:var(--position);top:85.5pt;width:68.25pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:68.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:51.9pt"></span></span><span style="left:54.53pt;position:var(--position)">49<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:413.25pt;position:var(--position);top:85.5pt;width:68.25pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:68.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:47.06pt"></span></span><span style="left:49.690000000000005pt;position:var(--position)">309<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td></tr><tr style="height:32.25pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:98.25pt;width:270.75pt"><div><div style="line-height:8pt;position:var(--position);top:3.55pt;width:270.75pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">(Losses) gains recognised in the income statement, within other </span></div><div style="line-height:8pt;position:var(--position);top:13.15pt;width:270.75pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">income, relating to the change in fair value of those assets held at 30 </span></div><div style="font-size:12pt;line-height:8pt;position:var(--position);top:22.75pt;width:270.75pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">June </span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:20.82pt;position:var(--position);text-decoration:none;white-space:pre">2025</span></div></div></div></td><td style="border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:270.75pt;position:var(--position);top:98.25pt;width:68.25pt"><div><div style="line-height:8pt;position:var(--position);top:22.75pt;width:68.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:51.21pt"></span></span><span style="left:53.84pt;position:var(--position)">(16)</span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:342pt;position:var(--position);top:98.25pt;width:68.25pt"><div><div style="line-height:8pt;position:var(--position);top:22.75pt;width:68.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:57.23pt"></span></span><span style="left:59.86pt;position:var(--position)">3<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:413.25pt;position:var(--position);top:98.25pt;width:68.25pt"><div><div style="line-height:8pt;position:var(--position);top:22.75pt;width:68.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:51.45pt"></span></span><span style="left:54.080000000000005pt;position:var(--position)">(13)</span></span></div></div></div></td></tr></tbody></table></div></div></div> 287000000 50000000 337000000 0 -1000000 -1000000 -6000000 1000000 -5000000 9000000 0 9000000 41000000 1000000 42000000 249000000 49000000 298000000 -4000000 1000000 -3000000 280000000 48000000 328000000 0 2000000 2000000 -16000000 2000000 -14000000 0 -1000000 -1000000 14000000 0 14000000 18000000 2000000 20000000 260000000 49000000 309000000 -16000000 3000000 -13000000 <span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:330.71pt">The tables below analyse movements in the level 3 financial liabilities portfolio.</span><div style="position:var(--position);top:500.04pt;width:594.99pt"><div style="font-size:0pt;left:56.69pt;position:var(--position);width:481.5pt"><div><table style="border-collapse:collapse;display:inline-table;width:100%"><tbody><tr style="height:0"><td style="padding:0;width:275.25pt"></td><td style="padding:0;width:65.25pt"></td><td style="padding:0;width:5.25pt"></td><td style="padding:0;width:65.25pt"></td><td style="padding:0;width:5.25pt"></td><td style="padding:0;width:65.25pt"></td></tr><tr style="height:60pt"><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:275.25pt;position:var(--position);width:65.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:65.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:29.07pt;position:var(--position);text-decoration:none;white-space:pre">Financial</span></div><div style="line-height:8pt;position:var(--position);top:12.23pt;width:65.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:29.04pt;position:var(--position);text-decoration:none;white-space:pre">liabilities</span></div><div style="line-height:8pt;position:var(--position);top:21.83pt;width:65.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:18.23pt;position:var(--position);text-decoration:none;white-space:pre">at fair value</span></div><div style="line-height:8pt;position:var(--position);top:31.43pt;width:65.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:32.96pt;position:var(--position);text-decoration:none;white-space:pre">through</span></div><div style="line-height:8pt;position:var(--position);top:41.03pt;width:65.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:15.6pt;position:var(--position);text-decoration:none;white-space:pre">profit or loss</span></div><div style="line-height:8pt;position:var(--position);top:50.63pt;width:65.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:50.97pt;position:var(--position);text-decoration:none;white-space:pre">£m</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:345.75pt;position:var(--position);width:65.25pt"><div><div style="line-height:8pt;position:var(--position);top:31.3pt;width:65.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:24.19pt;position:var(--position);text-decoration:none;white-space:pre">Derivative </span></div><div style="line-height:8pt;position:var(--position);top:40.9pt;width:65.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:29.04pt;position:var(--position);text-decoration:none;white-space:pre">liabilities</span></div><div style="line-height:8pt;position:var(--position);top:50.5pt;width:65.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:50.97pt;position:var(--position);text-decoration:none;white-space:pre">£m</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:416.25pt;position:var(--position);width:65.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:65.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:42.81pt;position:var(--position);text-decoration:none;white-space:pre">Total</span></div><div style="line-height:8pt;position:var(--position);top:12.23pt;width:65.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:30.7pt;position:var(--position);text-decoration:none;white-space:pre">financial</span></div><div style="line-height:8pt;position:var(--position);top:21.83pt;width:65.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:29.04pt;position:var(--position);text-decoration:none;white-space:pre">liabilities</span></div><div style="line-height:8pt;position:var(--position);top:31.43pt;width:65.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:26.56pt;position:var(--position);text-decoration:none;white-space:pre">carried at</span></div><div style="line-height:8pt;position:var(--position);top:41.03pt;width:65.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:28.17pt;position:var(--position);text-decoration:none;white-space:pre">fair value</span></div><div style="line-height:8pt;position:var(--position);top:50.63pt;width:65.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:50.97pt;position:var(--position);text-decoration:none;white-space:pre">£m</span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:72pt;width:275.25pt"><div><div style="font-size:12pt;line-height:8pt;position:var(--position);top:2.63pt;width:275.25pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">At 1 January </span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:48.2pt;position:var(--position);text-decoration:none;white-space:pre">2026</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:275.25pt;position:var(--position);top:72pt;width:65.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:65.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:51.7pt"></span></span><span style="left:54.330000000000005pt;position:var(--position)">17<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:345.75pt;position:var(--position);top:72pt;width:65.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:65.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:48pt"></span></span><span style="left:50.63pt;position:var(--position)">118<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:416.25pt;position:var(--position);top:72pt;width:65.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:65.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:46.6pt"></span></span><span style="left:49.230000000000004pt;position:var(--position)">135<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:84pt;width:275.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:275.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Losses (gains) recognised in the income statement within other income</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:275.25pt;position:var(--position);top:84pt;width:65.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:65.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:55.94pt"></span></span><span style="left:58.57pt;position:var(--position)">1<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:345.75pt;position:var(--position);top:84pt;width:65.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:65.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:51.1pt"></span></span><span style="left:53.730000000000004pt;position:var(--position)">(3)</span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:416.25pt;position:var(--position);top:84pt;width:65.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:65.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:51.27pt"></span></span><span style="left:53.900000000000006pt;position:var(--position)">(2)</span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:96pt;width:275.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:275.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Redemptions</span></div></div></div></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:275.25pt;position:var(--position);top:96pt;width:65.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:65.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:52.91pt"></span></span><span style="left:55.54pt;position:var(--position)">(1)</span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:345.75pt;position:var(--position);top:96pt;width:65.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:65.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:50.77pt"></span></span><span style="left:53.400000000000006pt;position:var(--position)">(8)</span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:416.25pt;position:var(--position);top:96pt;width:65.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:65.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:50.83pt"></span></span><span style="left:53.46pt;position:var(--position)">(9)</span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:108pt;width:275.25pt"><div><div style="font-size:12pt;line-height:8pt;position:var(--position);top:2.63pt;width:275.25pt"><span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">At 30 June </span><span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:43.99pt;position:var(--position);text-decoration:none;white-space:pre">2026</span></div></div></div></td><td style="border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:275.25pt;position:var(--position);top:108pt;width:65.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:65.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:51.7pt"></span></span><span style="left:54.330000000000005pt;position:var(--position)">17<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:345.75pt;position:var(--position);top:108pt;width:65.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:65.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:46.39pt"></span></span><span style="left:49.02pt;position:var(--position)">107<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:416.25pt;position:var(--position);top:108pt;width:65.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:65.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:46.28pt"></span></span><span style="left:48.910000000000004pt;position:var(--position)">124<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td></tr><tr style="height:33.75pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:120pt;width:275.25pt"><div><div style="line-height:8pt;position:var(--position);top:5.05pt;width:275.25pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Losses (gains) recognised in the income statement, within other income,</span></div><div style="line-height:8pt;position:var(--position);top:14.65pt;width:275.25pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">relating to the change in fair value of those liabilities held at 30 June </span></div><div style="font-size:12pt;line-height:8pt;position:var(--position);top:24.25pt;width:275.25pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">2026</span></div></div></div></td><td style="border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:275.25pt;position:var(--position);top:120pt;width:65.25pt"><div><div style="line-height:8pt;position:var(--position);top:24.25pt;width:65.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:55.94pt"></span></span><span style="left:58.57pt;position:var(--position)">1<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:345.75pt;position:var(--position);top:120pt;width:65.25pt"><div><div style="line-height:8pt;position:var(--position);top:24.25pt;width:65.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:51.27pt"></span></span><span style="left:53.900000000000006pt;position:var(--position)">(2)</span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:416.25pt;position:var(--position);top:120pt;width:65.25pt"><div><div style="line-height:8pt;position:var(--position);top:24.25pt;width:65.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:52.91pt"></span></span><span style="left:55.54pt;position:var(--position)">(1)</span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:165.75pt;width:275.25pt"><div><div style="font-size:12pt;line-height:8pt;position:var(--position);top:2.63pt;width:275.25pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">At 1 January </span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:48.2pt;position:var(--position);text-decoration:none;white-space:pre">2025</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:275.25pt;position:var(--position);top:165.75pt;width:65.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:65.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:49.86pt"></span></span><span style="left:52.49pt;position:var(--position)">22<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:345.75pt;position:var(--position);top:165.75pt;width:65.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:65.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:46.25pt"></span></span><span style="left:48.88pt;position:var(--position)">143<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:416.25pt;position:var(--position);top:165.75pt;width:65.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:65.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:46.5pt"></span></span><span style="left:49.13pt;position:var(--position)">165<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:177.75pt;width:275.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:275.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Gains recognised in the income statement within other income</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:275.25pt;position:var(--position);top:177.75pt;width:65.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:65.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:51.39pt"></span></span><span style="left:54.02pt;position:var(--position)">(2)<span style="display:inline-block;height:6.4pt;width:0.07pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:345.75pt;position:var(--position);top:177.75pt;width:65.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:65.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:50.79pt"></span></span><span style="left:53.42pt;position:var(--position)">(4)<span style="display:inline-block;height:6.4pt;width:0.07pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:416.25pt;position:var(--position);top:177.75pt;width:65.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:65.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:50.96pt"></span></span><span style="left:53.59pt;position:var(--position)">(6)<span style="display:inline-block;height:6.4pt;width:0.07pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:189.75pt;width:275.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:275.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Redemptions</span></div></div></div></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:275.25pt;position:var(--position);top:189.75pt;width:65.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:65.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:51.39pt"></span></span><span style="left:54.02pt;position:var(--position)">(2)<span style="display:inline-block;height:6.4pt;width:0.07pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:345.75pt;position:var(--position);top:189.75pt;width:65.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:65.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:48.57pt"></span></span><span style="left:51.2pt;position:var(--position)">(12)<span style="display:inline-block;height:6.4pt;width:0.07pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:416.25pt;position:var(--position);top:189.75pt;width:65.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:65.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:47.97pt"></span></span><span style="left:50.6pt;position:var(--position)">(14)<span style="display:inline-block;height:6.4pt;width:0.07pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:201.75pt;width:275.25pt"><div><div style="font-size:12pt;line-height:8pt;position:var(--position);top:2.63pt;width:275.25pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">At 30 June </span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:43.75pt;position:var(--position);text-decoration:none;white-space:pre">2025</span></div></div></div></td><td style="border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:275.25pt;position:var(--position);top:201.75pt;width:65.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:65.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:51.01pt"></span></span><span style="left:53.64pt;position:var(--position)">18<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:345.75pt;position:var(--position);top:201.75pt;width:65.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:65.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:47.35pt"></span></span><span style="left:49.980000000000004pt;position:var(--position)">127<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:416.25pt;position:var(--position);top:201.75pt;width:65.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:65.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:46.33pt"></span></span><span style="left:48.96pt;position:var(--position)">145<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td></tr><tr style="height:21.75pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:213.75pt;width:275.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.65pt;width:275.25pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Gains recognised in the income statement, within other income, relating </span></div><div style="font-size:12pt;line-height:8pt;position:var(--position);top:12.25pt;width:275.25pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">to the change in fair value of those liabilities held at 30 June </span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:227.01999999999998pt;position:var(--position);text-decoration:none;white-space:pre">2025</span></div></div></div></td><td style="border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:275.25pt;position:var(--position);top:213.75pt;width:65.25pt"><div><div style="line-height:8pt;position:var(--position);top:12.25pt;width:65.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:51.39pt"></span></span><span style="left:54.02pt;position:var(--position)">(2)<span style="display:inline-block;height:6.4pt;width:0.07pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:345.75pt;position:var(--position);top:213.75pt;width:65.25pt"><div><div style="line-height:8pt;position:var(--position);top:12.25pt;width:65.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:51.2pt"></span></span><span style="left:53.830000000000005pt;position:var(--position)">(3)<span style="display:inline-block;height:6.4pt;width:0.07pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:416.25pt;position:var(--position);top:213.75pt;width:65.25pt"><div><div style="line-height:8pt;position:var(--position);top:12.25pt;width:65.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:51.28pt"></span></span><span style="left:53.910000000000004pt;position:var(--position)">(5)<span style="display:inline-block;height:6.4pt;width:0.07pt"></span></span></span></div></div></div></td></tr></tbody></table></div></div></div> 17000000 118000000 135000000 -1000000 3000000 2000000 1000000 8000000 9000000 17000000 107000000 124000000 -1000000 2000000 1000000 22000000 143000000 165000000 2000000 4000000 6000000 2000000 12000000 14000000 18000000 127000000 145000000 2000000 3000000 5000000 <span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:9pt;font-style:normal;font-weight:bold;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:221.68pt">Significant unobservable inputs in level 3 valuations</span><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:109.89pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:481.53pt">The following tables disclose the valuation techniques and key unobservable inputs for instruments recognised at</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.22pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:122.49pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:412.57pt">fair value and classified as level 3 and provides the range of those inputs at the balance sheet date.</span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:138.09pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:481.53pt">For each portfolio, the minimum and maximum significant unobservable inputs that are used in the balance sheet</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.22pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:150.69pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:86.81pt">valuation are shown.</span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:166.29pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:237.83pt">Significant unobservable inputs affecting the valuations</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:294.52pt;position:var(--position);text-decoration:none;white-space:pre;width:243.7pt"> are unchanged from those described in the Lloyds Bank</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.22pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:178.89pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:244.45pt">plc’s financial statements for the year ended 31 December </span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:301.14pt;position:var(--position);text-decoration:none;white-space:pre;width:21.19pt">2025</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:322.33pt;position:var(--position);text-decoration:none;white-space:pre;width:2.39pt">.</span></div><div style="position:var(--position);top:199.49pt;width:594.99pt"><div style="font-size:0pt;left:56.69pt;position:var(--position);width:481.5pt"><div><table style="border-collapse:collapse;display:inline-table;width:100%"><tbody><tr style="height:0"><td style="padding:0;width:132pt"></td><td style="padding:0;width:99.75pt"></td><td style="padding:0;width:103.5pt"></td><td style="padding:0;width:45pt"></td><td style="padding:0;width:3pt"></td><td style="padding:0;width:45pt"></td><td style="padding:0;width:3pt"></td><td style="padding:0;width:50.25pt"></td></tr><tr style="height:30.75pt"><td style="border-bottom:0.25pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);width:132pt"><div><div style="font-size:12pt;line-height:8pt;position:var(--position);top:21.25pt;width:132pt"><span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">At </span><span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:13.649999999999999pt;position:var(--position);text-decoration:none;white-space:pre">30</span><span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:23.669999999999998pt;position:var(--position);text-decoration:none;white-space:pre"> </span><span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:25.669999999999998pt;position:var(--position);text-decoration:none;white-space:pre">June 2026</span><span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:63.36pt;position:var(--position);text-decoration:none;white-space:pre"> </span></div></div></div></td><td style="border-bottom:0.25pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:132pt;position:var(--position);width:99.75pt"><div><div style="line-height:8pt;position:var(--position);top:11.65pt;width:99.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Valuation</span></div><div style="line-height:8pt;position:var(--position);top:21.25pt;width:99.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">technique</span></div></div></div></td><td style="border-bottom:0.25pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:231.75pt;position:var(--position);width:103.5pt"><div><div style="line-height:8pt;position:var(--position);top:11.65pt;width:103.5pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Significant unobservable </span></div><div style="line-height:8pt;position:var(--position);top:21.25pt;width:103.5pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">inputs</span></div></div></div></td><td style="border-bottom:0.25pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:335.25pt;position:var(--position);width:45pt"><div><div style="line-height:8pt;position:var(--position);top:21.25pt;width:45pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:7.19pt;position:var(--position);text-decoration:none;white-space:pre">Minimum</span></div></div></div></td><td style="border-bottom:0.25pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.25pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:383.25pt;position:var(--position);width:45pt"><div><div style="line-height:8pt;position:var(--position);top:21.25pt;width:45pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:5.2pt;position:var(--position);text-decoration:none;white-space:pre">Maximum</span></div></div></div></td><td style="border-bottom:0.25pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.25pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:16.32pt;position:var(--position);text-decoration:none;white-space:pre">Carrying</span></div><div style="line-height:8pt;position:var(--position);top:12.23pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:27.69pt;position:var(--position);text-decoration:none;white-space:pre">value</span></div><div style="line-height:8pt;position:var(--position);top:21.83pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:35.97pt;position:var(--position);text-decoration:none;white-space:pre">£m</span></div></div></div></td></tr><tr style="height:6pt"><td style="border-top:0.25pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-top:0.25pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-top:0.25pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-top:0.25pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-top:0.25pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-top:0.25pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-top:0.25pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-top:0.25pt solid #000;font-size:0;text-align:left;vertical-align:top"></td></tr><tr style="height:14.25pt"><td colspan="3" style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:36.75pt;width:335.25pt"><div><div style="line-height:8pt;position:var(--position);top:4.75pt;width:335.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Financial assets at fair value through profit or loss</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.25pt solid #000;font-size:0;text-align:left;vertical-align:top"></td></tr><tr style="height:12.75pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:51pt;width:132pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:132pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Loans and advances to customers</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:132pt;position:var(--position);top:51pt;width:99.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:99.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Discounted cash flows</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:231.75pt;position:var(--position);top:51pt;width:103.5pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:103.5pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Credit spreads</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:335.25pt;position:var(--position);top:51pt;width:45pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:45pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:16.26pt;position:var(--position);text-decoration:none;white-space:pre">138bps</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:383.25pt;position:var(--position);top:51pt;width:45pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:45pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:14.1pt;position:var(--position);text-decoration:none;white-space:pre">349bps</span></div></div></div></td><td style="border-right:0.25pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-left:0.25pt solid #000;border-right:0.25pt solid #000;border-top:0.25pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:51pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:36.7pt;position:var(--position);text-decoration:none;white-space:pre">114</span></div></div></div></td></tr><tr style="height:21.75pt"><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:132pt;position:var(--position);top:63.75pt;width:99.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:99.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Market values - property </span></div><div style="line-height:8pt;position:var(--position);top:12.23pt;width:99.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">valuation</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:231.75pt;position:var(--position);top:63.75pt;width:103.5pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:103.5pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">HPI growth</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:335.25pt;position:var(--position);top:63.75pt;width:45pt"><div><div style="line-height:8pt;position:var(--position);top:12.25pt;width:45pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:31.16pt;position:var(--position);text-decoration:none;white-space:pre">3%</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:383.25pt;position:var(--position);top:63.75pt;width:45pt"><div><div style="line-height:8pt;position:var(--position);top:12.25pt;width:45pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:30.75pt;position:var(--position);text-decoration:none;white-space:pre">4%</span></div></div></div></td><td style="border-right:0.25pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;border-right:0.25pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:63.75pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:12.25pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:35.47pt;position:var(--position);text-decoration:none;white-space:pre">123</span></div></div></div></td></tr><tr style="height:12.75pt"><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:85.5pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:34.13pt;position:var(--position);text-decoration:none;white-space:pre">237</span></div></div></div></td></tr><tr style="height:12.75pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:98.25pt;width:132pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:132pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Debt securities</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:132pt;position:var(--position);top:98.25pt;width:99.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:99.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Discounted cash flows</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:231.75pt;position:var(--position);top:98.25pt;width:103.5pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:103.5pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Price</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:335.25pt;position:var(--position);top:98.25pt;width:45pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:45pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:28.43pt;position:var(--position);text-decoration:none;white-space:pre">12%</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:383.25pt;position:var(--position);top:98.25pt;width:45pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:45pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:25.85pt;position:var(--position);text-decoration:none;white-space:pre">86%</span></div></div></div></td><td style="border-right:0.25pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-left:0.25pt solid #000;border-right:0.25pt solid #000;border-top:0.25pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:98.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:43.38pt;position:var(--position);text-decoration:none;white-space:pre">7</span></div></div></div></td></tr><tr style="height:12.75pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:111pt;width:132pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:132pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Equity shares</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:132pt;position:var(--position);top:111pt;width:99.75pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:99.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Net asset value</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:231.75pt;position:var(--position);top:111pt;width:103.5pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:103.5pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Price</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:335.25pt;position:var(--position);top:111pt;width:45pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:45pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:29.72pt;position:var(--position);text-decoration:none;white-space:pre">n/a</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:383.25pt;position:var(--position);top:111pt;width:45pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:45pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:29.72pt;position:var(--position);text-decoration:none;white-space:pre">n/a</span></div></div></div></td><td style="border-right:0.25pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;border-right:0.25pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:111pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:42.99pt;position:var(--position);text-decoration:none;white-space:pre">5</span></div></div></div></td></tr><tr style="height:12.75pt"><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:123.75pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:40.18pt;position:var(--position);text-decoration:none;white-space:pre">12</span></div></div></div></td></tr><tr style="height:12.75pt"><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:136.5pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:32.98pt;position:var(--position);text-decoration:none;white-space:pre">249</span></div></div></div></td></tr><tr style="height:11.25pt"><td colspan="3" style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:149.25pt;width:335.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:335.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Financial assets at fair value through other comprehensive income</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-top:0.25pt solid #000;font-size:0;text-align:left;vertical-align:top"></td></tr><tr style="height:12.75pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:160.5pt;width:132pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:132pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Debt securities</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:132pt;position:var(--position);top:160.5pt;width:99.75pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:99.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Discounted cash flows</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:231.75pt;position:var(--position);top:160.5pt;width:103.5pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:103.5pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Credit spreads</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:335.25pt;position:var(--position);top:160.5pt;width:45pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:45pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:15.09pt;position:var(--position);text-decoration:none;white-space:pre">287bps</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:383.25pt;position:var(--position);top:160.5pt;width:45pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:45pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:13.85pt;position:var(--position);text-decoration:none;white-space:pre">308bps</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.25pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:160.5pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:37.52pt;position:var(--position);text-decoration:none;white-space:pre">49</span></div></div></div></td></tr><tr style="height:12.75pt"><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:173.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:33.06pt;position:var(--position);text-decoration:none;white-space:pre">298</span></div></div></div></td></tr><tr style="height:14.25pt"><td colspan="3" style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:186pt;width:335.25pt"><div><div style="line-height:8pt;position:var(--position);top:4.75pt;width:335.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Financial liabilities at fair value through profit or loss</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-top:0.25pt solid #000;font-size:0;text-align:left;vertical-align:top"></td></tr><tr style="height:12.75pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:200.25pt;width:132pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:132pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Securitisation notes and other</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:132pt;position:var(--position);top:200.25pt;width:99.75pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:99.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Discounted cash flows</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:231.75pt;position:var(--position);top:200.25pt;width:103.5pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:103.5pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Credit spreads</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:335.25pt;position:var(--position);top:200.25pt;width:45pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:45pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:14.1pt;position:var(--position);text-decoration:none;white-space:pre">349bps</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:383.25pt;position:var(--position);top:200.25pt;width:45pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:45pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:14.1pt;position:var(--position);text-decoration:none;white-space:pre">349bps</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:200.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:40.48pt;position:var(--position);text-decoration:none;white-space:pre">17</span></div></div></div></td></tr><tr style="height:15.75pt"><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.25pt solid #000;font-size:0;text-align:left;vertical-align:top"></td></tr><tr style="height:21.75pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:228.75pt;width:132pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:132pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Interest rate derivatives</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:132pt;position:var(--position);top:228.75pt;width:99.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:99.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Option pricing model</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:231.75pt;position:var(--position);top:228.75pt;width:103.5pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:103.5pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Interest rate ATM </span></div><div style="line-height:8pt;position:var(--position);top:12.23pt;width:103.5pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">volatility</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:335.25pt;position:var(--position);top:228.75pt;width:45pt"><div><div style="line-height:8pt;position:var(--position);top:12.25pt;width:45pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:19.3pt;position:var(--position);text-decoration:none;white-space:pre">56bps</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:383.25pt;position:var(--position);top:228.75pt;width:45pt"><div><div style="line-height:8pt;position:var(--position);top:12.25pt;width:45pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:19.22pt;position:var(--position);text-decoration:none;white-space:pre">93bps</span></div></div></div></td><td style="border-right:0.25pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-left:0.25pt solid #000;border-right:0.25pt solid #000;border-top:0.25pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:228.75pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:12.25pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:42.64pt;position:var(--position);text-decoration:none;white-space:pre">6</span></div></div></div></td></tr><tr style="height:21.75pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:250.5pt;width:132pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:132pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Shared appreciation rights</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:132pt;position:var(--position);top:250.5pt;width:99.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:99.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Market values - property </span></div><div style="line-height:8pt;position:var(--position);top:12.23pt;width:99.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">valuation</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:231.75pt;position:var(--position);top:250.5pt;width:103.5pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:103.5pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">HPI growth</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:335.25pt;position:var(--position);top:250.5pt;width:45pt"><div><div style="line-height:8pt;position:var(--position);top:12.25pt;width:45pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:31.16pt;position:var(--position);text-decoration:none;white-space:pre">3%</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:383.25pt;position:var(--position);top:250.5pt;width:45pt"><div><div style="line-height:8pt;position:var(--position);top:12.25pt;width:45pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:30.75pt;position:var(--position);text-decoration:none;white-space:pre">4%</span></div></div></div></td><td style="border-right:0.25pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;border-right:0.25pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:250.5pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:12.25pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:36.51pt;position:var(--position);text-decoration:none;white-space:pre">101</span></div></div></div></td></tr><tr style="height:12.75pt"><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:272.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:35.17pt;position:var(--position);text-decoration:none;white-space:pre">107</span></div></div></div></td></tr><tr style="height:12.75pt"><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:285pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:35.06pt;position:var(--position);text-decoration:none;white-space:pre">124</span></div></div></div></td></tr><tr style="height:6pt"><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-top:0.25pt solid #000;font-size:0;text-align:left;vertical-align:top"></td></tr><tr style="height:30pt"><td style="border-bottom:0.25pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:303.75pt;width:132pt"><div><div style="font-size:12pt;line-height:8pt;position:var(--position);top:20.5pt;width:132pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">At 31 December </span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:63.64pt;position:var(--position);text-decoration:none;white-space:pre">2025</span></div></div></div></td><td style="border-bottom:0.25pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:132pt;position:var(--position);top:303.75pt;width:99.75pt"><div><div style="line-height:8pt;position:var(--position);top:10.9pt;width:99.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Valuation</span></div><div style="line-height:8pt;position:var(--position);top:20.5pt;width:99.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">technique</span></div></div></div></td><td style="border-bottom:0.25pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:231.75pt;position:var(--position);top:303.75pt;width:103.5pt"><div><div style="line-height:8pt;position:var(--position);top:10.9pt;width:103.5pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Significant unobservable </span></div><div style="line-height:8pt;position:var(--position);top:20.5pt;width:103.5pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">inputs</span></div></div></div></td><td style="border-bottom:0.25pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:335.25pt;position:var(--position);top:303.75pt;width:45pt"><div><div style="line-height:8pt;position:var(--position);top:20.5pt;width:45pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:9.34pt;position:var(--position);text-decoration:none;white-space:pre">Minimum</span></div></div></div></td><td style="border-bottom:0.25pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.25pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:383.25pt;position:var(--position);top:303.75pt;width:45pt"><div><div style="line-height:8pt;position:var(--position);top:20.5pt;width:45pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:7.33pt;position:var(--position);text-decoration:none;white-space:pre">Maximum</span></div></div></div></td><td style="border-bottom:0.25pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.25pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:303.75pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:16.6pt;position:var(--position);text-decoration:none;white-space:pre">Carrying</span></div><div style="line-height:8pt;position:var(--position);top:12.23pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:27.91pt;position:var(--position);text-decoration:none;white-space:pre">value</span></div><div style="line-height:8pt;position:var(--position);top:21.83pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:36.03pt;position:var(--position);text-decoration:none;white-space:pre">£m</span></div></div></div></td></tr><tr style="height:6.75pt"><td style="border-top:0.25pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-top:0.25pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-top:0.25pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-top:0.25pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-top:0.25pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-top:0.25pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-top:0.25pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-top:0.25pt solid #000;font-size:0;text-align:left;vertical-align:top"></td></tr><tr style="height:14.25pt"><td colspan="3" style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:340.5pt;width:335.25pt"><div><div style="line-height:8pt;position:var(--position);top:4.75pt;width:335.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Financial assets at fair value through profit or loss</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.25pt solid #000;font-size:0;text-align:left;vertical-align:top"></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:354.75pt;width:132pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:132pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Loans and advances to customers</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:132pt;position:var(--position);top:354.75pt;width:99.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:99.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Discounted cash flows</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:231.75pt;position:var(--position);top:354.75pt;width:103.5pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:103.5pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Credit spreads</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:335.25pt;position:var(--position);top:354.75pt;width:45pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:45pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:16.5pt;position:var(--position);text-decoration:none;white-space:pre">138bps</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:383.25pt;position:var(--position);top:354.75pt;width:45pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:45pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:14.32pt;position:var(--position);text-decoration:none;white-space:pre">349bps</span></div></div></div></td><td style="border-right:0.25pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-left:0.25pt solid #000;border-right:0.25pt solid #000;border-top:0.25pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:354.75pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:35.53pt;position:var(--position);text-decoration:none;white-space:pre">147</span></div></div></div></td></tr><tr style="height:21.75pt"><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:132pt;position:var(--position);top:366.75pt;width:99.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.65pt;width:99.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Market values - property </span></div><div style="line-height:8pt;position:var(--position);top:12.25pt;width:99.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">valuation</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:231.75pt;position:var(--position);top:366.75pt;width:103.5pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:103.5pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">HPI growth</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:335.25pt;position:var(--position);top:366.75pt;width:45pt"><div><div style="line-height:8pt;position:var(--position);top:12.25pt;width:45pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:31.19pt;position:var(--position);text-decoration:none;white-space:pre">3%</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:383.25pt;position:var(--position);top:366.75pt;width:45pt"><div><div style="line-height:8pt;position:var(--position);top:12.25pt;width:45pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:30.78pt;position:var(--position);text-decoration:none;white-space:pre">4%</span></div></div></div></td><td style="border-right:0.25pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;border-right:0.25pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:366.75pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:12.25pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:35.52pt;position:var(--position);text-decoration:none;white-space:pre">135</span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-top:0.25pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:388.5pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:33.63pt;position:var(--position);text-decoration:none;white-space:pre">282</span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:400.5pt;width:132pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:132pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Equity shares</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:132pt;position:var(--position);top:400.5pt;width:99.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:99.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Net asset value</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:231.75pt;position:var(--position);top:400.5pt;width:103.5pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:103.5pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Price</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:335.25pt;position:var(--position);top:400.5pt;width:45pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:45pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:29.82pt;position:var(--position);text-decoration:none;white-space:pre">n/a</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:383.25pt;position:var(--position);top:400.5pt;width:45pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:45pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:29.82pt;position:var(--position);text-decoration:none;white-space:pre">n/a</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:400.5pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:43.02pt;position:var(--position);text-decoration:none;white-space:pre">5</span></div></div></div></td></tr><tr style="height:6.75pt"><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td></tr><tr style="height:12pt"><td colspan="3" style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:419.25pt;width:335.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:335.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Financial assets at fair value through other comprehensive income</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:431.25pt;width:132pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:132pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Debt securities</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:132pt;position:var(--position);top:431.25pt;width:99.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:99.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Discounted cash flows</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:231.75pt;position:var(--position);top:431.25pt;width:103.5pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:103.5pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Credit spreads</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:335.25pt;position:var(--position);top:431.25pt;width:45pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:45pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:15.33pt;position:var(--position);text-decoration:none;white-space:pre">287bps</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:383.25pt;position:var(--position);top:431.25pt;width:45pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:45pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:14.07pt;position:var(--position);text-decoration:none;white-space:pre">308bps</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.25pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:431.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:37.77pt;position:var(--position);text-decoration:none;white-space:pre">50</span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:443.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:34.08pt;position:var(--position);text-decoration:none;white-space:pre">337</span></div></div></div></td></tr><tr style="height:12pt"><td colspan="3" style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:455.25pt;width:335.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:335.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Financial liabilities at fair value through profit or loss</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-top:0.25pt solid #000;font-size:0;text-align:left;vertical-align:top"></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:467.25pt;width:132pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:132pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Securitisation notes and other</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:132pt;position:var(--position);top:467.25pt;width:99.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:99.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Discounted cash flows</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:231.75pt;position:var(--position);top:467.25pt;width:103.5pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:103.5pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Credit spreads</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:335.25pt;position:var(--position);top:467.25pt;width:45pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:45pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:14.32pt;position:var(--position);text-decoration:none;white-space:pre">349bps</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:383.25pt;position:var(--position);top:467.25pt;width:45pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:45pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:14.32pt;position:var(--position);text-decoration:none;white-space:pre">349bps</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:467.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:40.62pt;position:var(--position);text-decoration:none;white-space:pre">17</span></div></div></div></td></tr><tr style="height:6pt"><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.25pt solid #000;font-size:0;text-align:left;vertical-align:top"></td></tr><tr style="height:21.75pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:485.25pt;width:132pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:132pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Interest rate derivatives</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:132pt;position:var(--position);top:485.25pt;width:99.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:99.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Option pricing model</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:231.75pt;position:var(--position);top:485.25pt;width:103.5pt"><div><div style="line-height:8pt;position:var(--position);top:2.65pt;width:103.5pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Interest rate ATM </span></div><div style="line-height:8pt;position:var(--position);top:12.25pt;width:103.5pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">volatility</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:335.25pt;position:var(--position);top:485.25pt;width:45pt"><div><div style="line-height:8pt;position:var(--position);top:12.25pt;width:45pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:19.32pt;position:var(--position);text-decoration:none;white-space:pre">38bps</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:383.25pt;position:var(--position);top:485.25pt;width:45pt"><div><div style="line-height:8pt;position:var(--position);top:12.25pt;width:45pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:19.51pt;position:var(--position);text-decoration:none;white-space:pre">82bps</span></div></div></div></td><td style="border-right:0.25pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-left:0.25pt solid #000;border-right:0.25pt solid #000;border-top:0.25pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:485.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:12.25pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:43.44pt;position:var(--position);text-decoration:none;white-space:pre">7</span></div></div></div></td></tr><tr style="height:21.75pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:507pt;width:132pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:132pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Shared appreciation rights</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:132pt;position:var(--position);top:507pt;width:99.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.65pt;width:99.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Market values - property </span></div><div style="line-height:8pt;position:var(--position);top:12.25pt;width:99.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">valuation</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:231.75pt;position:var(--position);top:507pt;width:103.5pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:103.5pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">HPI growth</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:335.25pt;position:var(--position);top:507pt;width:45pt"><div><div style="line-height:8pt;position:var(--position);top:12.25pt;width:45pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:31.19pt;position:var(--position);text-decoration:none;white-space:pre">3%</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:383.25pt;position:var(--position);top:507pt;width:45pt"><div><div style="line-height:8pt;position:var(--position);top:12.25pt;width:45pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:30.78pt;position:var(--position);text-decoration:none;white-space:pre">4%</span></div></div></div></td><td style="border-right:0.25pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;border-right:0.25pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:507pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:12.25pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:39.16pt;position:var(--position);text-decoration:none;white-space:pre">111</span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:528.75pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:36.97pt;position:var(--position);text-decoration:none;white-space:pre">118</span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:540.75pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:35.52pt;position:var(--position);text-decoration:none;white-space:pre">135</span></div></div></div></td></tr></tbody></table></div></div></div><div><div style="font-size:12pt;line-height:9pt;position:var(--position);top:56.69pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:9pt;font-style:normal;font-weight:bold;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre">NOTES TO THE CONDENSED CONSOLIDATED HALF-YEAR FINANCIAL STATEMENTS (UNAUDITED)</span><span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:9pt;font-style:normal;font-weight:bold;left:485.73pt;position:var(--position);text-decoration:none;white-space:pre"> </span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:487.8pt;position:var(--position);text-decoration:none;white-space:pre">(continued)</span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);top:75.49pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:9pt;font-style:normal;font-weight:bold;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre">Note 9: Fair values of financial assets and liabilities</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:274.08pt;position:var(--position);text-decoration:none;white-space:pre"> (continued)</span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);top:94.29pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:9pt;font-style:normal;font-weight:bold;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre">Reasonably possible alternative assumptions</span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:113.09pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:481.48pt">Valuation techniques applied to the Group’s level 3 instruments involve the use of unobservable inputs. The</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.1700000000001pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:125.69pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:481.58pt">calculation of the effect of reasonably possible alternative assumptions for those inputs are included in the tables</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.27pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:138.29pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:20.08pt">from</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:76.77pt;position:var(--position);text-decoration:none;white-space:pre;width:433.03pt"> that described in note 16 to the Lloyds Bank plc’s financial statements for the year ended 31 December </span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:509.8pt;position:var(--position);text-decoration:none;white-space:pre;width:21.19pt">2025</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:530.99pt;position:var(--position);text-decoration:none;white-space:pre;width:2.39pt">.</span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:153.89pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:481.56pt">For each portfolio, the maximum and minimum changes presented reflect the difference between the significant</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.25pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:166.49pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:481.61pt">unobservable inputs used in the balance sheet valuation and those used when applying reasonably possible</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.3pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:179.09pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:102.51pt">alternative assumptions.</span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);top:199.69pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:9pt;font-style:normal;font-weight:bold;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre">Sensitivity of level 3 valuations</span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:213.49pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:481.55pt">The tables below set out the effects of reasonably possible alternative assumptions for categories of level 3</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.24pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:226.09pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:161.14pt">financial assets and financial liabilities.</span></div><div style="position:var(--position);text-align:justify;text-align-last:var(--justify);top:241.69pt;width:594.99pt"><div style="font-size:0pt;left:56.69pt;position:var(--position);width:481.5pt"><div><table style="border-collapse:collapse;display:inline-table;width:100%"><tbody><tr style="height:0"><td style="padding:0;width:152.25pt"></td><td style="padding:0;width:89.25pt"></td><td style="padding:0;width:60pt"></td><td style="padding:0;width:60pt"></td><td style="padding:0;width:60pt"></td><td style="padding:0;width:60pt"></td></tr><tr style="height:33pt"><td style="border-bottom:0.25pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);width:152.25pt"><div><div style="font-size:12pt;line-height:8pt;position:var(--position);top:23.5pt;width:152.25pt"><span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">At </span><span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:13.649999999999999pt;position:var(--position);text-decoration:none;white-space:pre">30</span><span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:23.669999999999998pt;position:var(--position);text-decoration:none;white-space:pre"> </span><span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:25.669999999999998pt;position:var(--position);text-decoration:none;white-space:pre">June 2026</span></div></div></div></td><td style="border-bottom:0.25pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:152.25pt;position:var(--position);width:89.25pt"><div><div style="line-height:8pt;position:var(--position);top:13.9pt;width:89.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Significant </span></div><div style="line-height:8pt;position:var(--position);top:23.5pt;width:89.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">unobservable inputs</span></div></div></div></td><td style="border-bottom:0.25pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:241.5pt;position:var(--position);width:60pt"><div><div style="line-height:8pt;position:var(--position);top:23.5pt;width:60pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:31.64pt;position:var(--position);text-decoration:none;white-space:pre">Max up</span></div></div></div></td><td style="border-bottom:0.25pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:301.5pt;position:var(--position);width:60pt"><div><div style="line-height:8pt;position:var(--position);top:23.5pt;width:60pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:19.98pt;position:var(--position);text-decoration:none;white-space:pre">Max down</span></div></div></div></td><td style="border-bottom:0.25pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:361.5pt;position:var(--position);width:60pt"><div><div style="line-height:8pt;position:var(--position);top:4.3pt;width:60pt"><span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:15.57pt;position:var(--position);text-decoration:none;white-space:pre">Favourable</span></div><div style="line-height:8pt;position:var(--position);top:13.9pt;width:60pt"><span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:25.23pt;position:var(--position);text-decoration:none;white-space:pre">changes</span><span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:5.2pt;font-style:normal;font-weight:normal;left:55.49pt;position:var(--position);text-decoration:none;top:-2.24pt;vertical-align:super;white-space:pre">1</span></div><div style="line-height:8pt;position:var(--position);top:23.5pt;width:60pt"><span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:45.72pt;position:var(--position);text-decoration:none;white-space:pre">£m</span></div></div></div></td><td style="border-bottom:0.25pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:421.5pt;position:var(--position);width:60pt"><div><div style="line-height:8pt;position:var(--position);top:4.3pt;width:60pt"><span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:6.65pt;position:var(--position);text-decoration:none;white-space:pre">Unfavourable</span></div><div style="line-height:8pt;position:var(--position);top:13.9pt;width:60pt"><span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:25.23pt;position:var(--position);text-decoration:none;white-space:pre">changes</span><span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:5.2pt;font-style:normal;font-weight:normal;left:55.49pt;position:var(--position);text-decoration:none;top:-2.24pt;vertical-align:super;white-space:pre">1</span></div><div style="line-height:8pt;position:var(--position);top:23.5pt;width:60pt"><span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:45.72pt;position:var(--position);text-decoration:none;white-space:pre">£m</span></div></div></div></td></tr><tr style="height:9.75pt"><td style="border-top:0.25pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-top:0.25pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-top:0.25pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-top:0.25pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-top:0.25pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-top:0.25pt solid #000;font-size:0;text-align:left;vertical-align:top"></td></tr><tr style="height:12.75pt"><td colspan="3" style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:42.75pt;width:301.5pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:301.5pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Financial assets at fair value through profit or loss</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td></tr><tr style="height:12.75pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:55.5pt;width:152.25pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:152.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Loans and advances to customers</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:152.25pt;position:var(--position);top:55.5pt;width:89.25pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:89.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Credit spreads</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:241.5pt;position:var(--position);top:55.5pt;width:60pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:60pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:33.48pt;position:var(--position);text-decoration:none;white-space:pre">115bps</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:301.5pt;position:var(--position);top:55.5pt;width:60pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:60pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:27.42pt;position:var(--position);text-decoration:none;white-space:pre">(115)bps</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:361.5pt;position:var(--position);top:55.5pt;width:60pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:60pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:52.74pt;position:var(--position);text-decoration:none;white-space:pre">5</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:421.5pt;position:var(--position);top:55.5pt;width:60pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:60pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:46.68pt;position:var(--position);text-decoration:none;white-space:pre">(5)</span></div></div></div></td></tr><tr style="height:12.75pt"><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:152.25pt;position:var(--position);top:68.25pt;width:89.25pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:89.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">HPI growth</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:241.5pt;position:var(--position);top:68.25pt;width:60pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:60pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:47.97pt;position:var(--position);text-decoration:none;white-space:pre">1%</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:301.5pt;position:var(--position);top:68.25pt;width:60pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:60pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:41.91pt;position:var(--position);text-decoration:none;white-space:pre">(1)%</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:361.5pt;position:var(--position);top:68.25pt;width:60pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:60pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:51.57pt;position:var(--position);text-decoration:none;white-space:pre">11</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:421.5pt;position:var(--position);top:68.25pt;width:60pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:60pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:46.33pt;position:var(--position);text-decoration:none;white-space:pre">(6)</span></div></div></div></td></tr><tr style="height:9.75pt"><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td></tr><tr style="height:12.75pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:90.75pt;width:152.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:152.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Debt securities</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:152.25pt;position:var(--position);top:90.75pt;width:89.25pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:89.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Price</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:241.5pt;position:var(--position);top:90.75pt;width:60pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:60pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:42.66pt;position:var(--position);text-decoration:none;white-space:pre">10%</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:301.5pt;position:var(--position);top:90.75pt;width:60pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:60pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:36.6pt;position:var(--position);text-decoration:none;white-space:pre">(10)%</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:361.5pt;position:var(--position);top:90.75pt;width:60pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:60pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:53.37pt;position:var(--position);text-decoration:none;white-space:pre">–</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:421.5pt;position:var(--position);top:90.75pt;width:60pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:60pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:53.37pt;position:var(--position);text-decoration:none;white-space:pre">–</span></div></div></div></td></tr><tr style="height:12.75pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:103.5pt;width:152.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:152.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Equity shares</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:152.25pt;position:var(--position);top:103.5pt;width:89.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:89.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Price</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:241.5pt;position:var(--position);top:103.5pt;width:60pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:60pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:40.77pt;position:var(--position);text-decoration:none;white-space:pre">46%</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:301.5pt;position:var(--position);top:103.5pt;width:60pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:60pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:34.71pt;position:var(--position);text-decoration:none;white-space:pre">(46)%</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:361.5pt;position:var(--position);top:103.5pt;width:60pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:60pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:54.47pt;position:var(--position);text-decoration:none;white-space:pre">1</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:421.5pt;position:var(--position);top:103.5pt;width:60pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:60pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:48.41pt;position:var(--position);text-decoration:none;white-space:pre">(1)</span></div></div></div></td></tr><tr style="height:9.75pt"><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td></tr><tr style="height:12.75pt"><td colspan="3" style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:126pt;width:301.5pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:301.5pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Financial assets at fair value through other comprehensive income</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td></tr><tr style="height:12.75pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:138.75pt;width:152.25pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:152.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Debt securities</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:152.25pt;position:var(--position);top:138.75pt;width:89.25pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:89.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Credit spreads</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:241.5pt;position:var(--position);top:138.75pt;width:60pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:60pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:35.04pt;position:var(--position);text-decoration:none;white-space:pre">75bps</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:301.5pt;position:var(--position);top:138.75pt;width:60pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:60pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:28.98pt;position:var(--position);text-decoration:none;white-space:pre">(75)bps</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:361.5pt;position:var(--position);top:138.75pt;width:60pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:60pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:54.47pt;position:var(--position);text-decoration:none;white-space:pre">1</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:421.5pt;position:var(--position);top:138.75pt;width:60pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:60pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:48.41pt;position:var(--position);text-decoration:none;white-space:pre">(1)</span></div></div></div></td></tr><tr style="height:9.75pt"><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td></tr><tr style="height:12.75pt"><td colspan="3" style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:161.25pt;width:301.5pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:301.5pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Financial liabilities at fair value through profit or loss</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td></tr><tr style="height:12.75pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:174pt;width:152.25pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:152.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Securitisation notes and other</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:152.25pt;position:var(--position);top:174pt;width:89.25pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:89.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Credit spreads </span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:241.5pt;position:var(--position);top:174pt;width:60pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:60pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:33.97pt;position:var(--position);text-decoration:none;white-space:pre">50bps</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:301.5pt;position:var(--position);top:174pt;width:60pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:60pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:27.91pt;position:var(--position);text-decoration:none;white-space:pre">(50)bps</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:361.5pt;position:var(--position);top:174pt;width:60pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:60pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:54.47pt;position:var(--position);text-decoration:none;white-space:pre">1</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:421.5pt;position:var(--position);top:174pt;width:60pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:60pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:48.41pt;position:var(--position);text-decoration:none;white-space:pre">(1)</span></div></div></div></td></tr><tr style="height:9.75pt"><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td></tr><tr style="height:12.75pt"><td colspan="3" style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:196.5pt;width:301.5pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:301.5pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Derivative financial liabilities</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td></tr><tr style="height:21.75pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:209.25pt;width:152.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:152.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Interest rate derivatives</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:152.25pt;position:var(--position);top:209.25pt;width:89.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.65pt;width:89.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Interest rate ATM </span></div><div style="line-height:8pt;position:var(--position);top:12.25pt;width:89.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">volatility</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:241.5pt;position:var(--position);top:209.25pt;width:60pt"><div><div style="line-height:8pt;position:var(--position);top:12.25pt;width:60pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:38.79pt;position:var(--position);text-decoration:none;white-space:pre">4bps</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:301.5pt;position:var(--position);top:209.25pt;width:60pt"><div><div style="line-height:8pt;position:var(--position);top:12.25pt;width:60pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:32.73pt;position:var(--position);text-decoration:none;white-space:pre">(4)bps</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:361.5pt;position:var(--position);top:209.25pt;width:60pt"><div><div style="line-height:8pt;position:var(--position);top:12.25pt;width:60pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:53.37pt;position:var(--position);text-decoration:none;white-space:pre">–</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:421.5pt;position:var(--position);top:209.25pt;width:60pt"><div><div style="line-height:8pt;position:var(--position);top:12.25pt;width:60pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:53.37pt;position:var(--position);text-decoration:none;white-space:pre">–</span></div></div></div></td></tr><tr style="height:12.75pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:231pt;width:152.25pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:152.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Shared appreciation rights</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:152.25pt;position:var(--position);top:231pt;width:89.25pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:89.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">HPI growth</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:241.5pt;position:var(--position);top:231pt;width:60pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:60pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:47.97pt;position:var(--position);text-decoration:none;white-space:pre">1%</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:301.5pt;position:var(--position);top:231pt;width:60pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:60pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:41.91pt;position:var(--position);text-decoration:none;white-space:pre">(1)%</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:361.5pt;position:var(--position);top:231pt;width:60pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:60pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:52.39pt;position:var(--position);text-decoration:none;white-space:pre">9</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:421.5pt;position:var(--position);top:231pt;width:60pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:60pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:46.27pt;position:var(--position);text-decoration:none;white-space:pre">(8)</span></div></div></div></td></tr><tr style="height:9.75pt"><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td></tr><tr style="height:32.25pt"><td style="border-bottom:0.25pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:253.5pt;width:152.25pt"><div><div style="font-size:12pt;line-height:8pt;position:var(--position);top:22.75pt;width:152.25pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">At 31 December </span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:63.64pt;position:var(--position);text-decoration:none;white-space:pre">2025</span></div></div></div></td><td style="border-bottom:0.25pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:152.25pt;position:var(--position);top:253.5pt;width:89.25pt"><div><div style="line-height:8pt;position:var(--position);top:13.15pt;width:89.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Significant </span></div><div style="line-height:8pt;position:var(--position);top:22.75pt;width:89.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">unobservable inputs</span></div></div></div></td><td style="border-bottom:0.25pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:241.5pt;position:var(--position);top:253.5pt;width:60pt"><div><div style="line-height:8pt;position:var(--position);top:22.75pt;width:60pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:31.77pt;position:var(--position);text-decoration:none;white-space:pre">Max up</span></div></div></div></td><td style="border-bottom:0.25pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:301.5pt;position:var(--position);top:253.5pt;width:60pt"><div><div style="line-height:8pt;position:var(--position);top:22.75pt;width:60pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:20.23pt;position:var(--position);text-decoration:none;white-space:pre">Max down</span></div></div></div></td><td style="border-bottom:0.25pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:361.5pt;position:var(--position);top:253.5pt;width:60pt"><div><div style="line-height:8pt;position:var(--position);top:3.55pt;width:60pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:15.89pt;position:var(--position);text-decoration:none;white-space:pre">Favourable</span></div><div style="line-height:8pt;position:var(--position);top:13.15pt;width:60pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:25.52pt;position:var(--position);text-decoration:none;white-space:pre">changes</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:5.2pt;font-style:normal;font-weight:normal;left:55.54pt;position:var(--position);text-decoration:none;top:-2.24pt;vertical-align:super;white-space:pre">1</span></div><div style="line-height:8pt;position:var(--position);top:22.75pt;width:60pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:45.78pt;position:var(--position);text-decoration:none;white-space:pre">£m</span></div></div></div></td><td style="border-bottom:0.25pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:421.5pt;position:var(--position);top:253.5pt;width:60pt"><div><div style="line-height:8pt;position:var(--position);top:3.55pt;width:60pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:7.07pt;position:var(--position);text-decoration:none;white-space:pre">Unfavourable</span></div><div style="line-height:8pt;position:var(--position);top:13.15pt;width:60pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:25.52pt;position:var(--position);text-decoration:none;white-space:pre">changes</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:5.2pt;font-style:normal;font-weight:normal;left:55.54pt;position:var(--position);text-decoration:none;top:-2.24pt;vertical-align:super;white-space:pre">1</span></div><div style="line-height:8pt;position:var(--position);top:22.75pt;width:60pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:45.78pt;position:var(--position);text-decoration:none;white-space:pre">£m</span></div></div></div></td></tr><tr style="height:15.75pt"><td style="border-top:0.25pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-top:0.25pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-top:0.25pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-top:0.25pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-top:0.25pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-top:0.25pt solid #000;font-size:0;text-align:left;vertical-align:top"></td></tr><tr style="height:12.75pt"><td colspan="3" style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:301.5pt;width:301.5pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:301.5pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Financial assets at fair value through profit or loss</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td></tr><tr style="height:12.75pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:314.25pt;width:152.25pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:152.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Loans and advances to customers</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:152.25pt;position:var(--position);top:314.25pt;width:89.25pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:89.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Credit spreads</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:241.5pt;position:var(--position);top:314.25pt;width:60pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:60pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:33.77pt;position:var(--position);text-decoration:none;white-space:pre">115bps</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:301.5pt;position:var(--position);top:314.25pt;width:60pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:60pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:27.85pt;position:var(--position);text-decoration:none;white-space:pre">(115)bps</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:361.5pt;position:var(--position);top:314.25pt;width:60pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:60pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:52.77pt;position:var(--position);text-decoration:none;white-space:pre">5</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:421.5pt;position:var(--position);top:314.25pt;width:60pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:60pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:46.85pt;position:var(--position);text-decoration:none;white-space:pre">(5)</span></div></div></div></td></tr><tr style="height:12.75pt"><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:152.25pt;position:var(--position);top:327pt;width:89.25pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:89.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">HPI growth</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:241.5pt;position:var(--position);top:327pt;width:60pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:60pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:48.05pt;position:var(--position);text-decoration:none;white-space:pre">1%</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:301.5pt;position:var(--position);top:327pt;width:60pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:60pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:42.13pt;position:var(--position);text-decoration:none;white-space:pre">(1)%</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:361.5pt;position:var(--position);top:327pt;width:60pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:60pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:49.46pt;position:var(--position);text-decoration:none;white-space:pre">14</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:421.5pt;position:var(--position);top:327pt;width:60pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:60pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:44.14pt;position:var(--position);text-decoration:none;white-space:pre">(12)</span></div></div></div></td></tr><tr style="height:9.75pt"><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td></tr><tr style="height:12.75pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:349.5pt;width:152.25pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:152.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Equity shares</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:152.25pt;position:var(--position);top:349.5pt;width:89.25pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:89.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Price</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:241.5pt;position:var(--position);top:349.5pt;width:60pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:60pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:43.37pt;position:var(--position);text-decoration:none;white-space:pre">31%</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:301.5pt;position:var(--position);top:349.5pt;width:60pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:60pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:37.45pt;position:var(--position);text-decoration:none;white-space:pre">(31)%</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:361.5pt;position:var(--position);top:349.5pt;width:60pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:60pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:54.55pt;position:var(--position);text-decoration:none;white-space:pre">1</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:421.5pt;position:var(--position);top:349.5pt;width:60pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:60pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:48.63pt;position:var(--position);text-decoration:none;white-space:pre">(1)</span></div></div></div></td></tr><tr style="height:9.75pt"><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td></tr><tr style="height:12.75pt"><td colspan="3" style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:372pt;width:301.5pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:301.5pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Financial assets at fair value through other comprehensive income</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td></tr><tr style="height:12.75pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:384.75pt;width:152.25pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:152.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Debt securities</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:152.25pt;position:var(--position);top:384.75pt;width:89.25pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:89.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Credit spreads</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:241.5pt;position:var(--position);top:384.75pt;width:60pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:60pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:35.23pt;position:var(--position);text-decoration:none;white-space:pre">75bps</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:301.5pt;position:var(--position);top:384.75pt;width:60pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:60pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:29.31pt;position:var(--position);text-decoration:none;white-space:pre">(75)bps</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:361.5pt;position:var(--position);top:384.75pt;width:60pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:60pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:52.88pt;position:var(--position);text-decoration:none;white-space:pre">2</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:421.5pt;position:var(--position);top:384.75pt;width:60pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:60pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:46.96pt;position:var(--position);text-decoration:none;white-space:pre">(2)</span></div></div></div></td></tr><tr style="height:9.75pt"><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td></tr><tr style="height:12.75pt"><td colspan="3" style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:407.25pt;width:301.5pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:301.5pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Financial liabilities at fair value through profit or loss</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td></tr><tr style="height:12.75pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:420pt;width:152.25pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:152.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Securitisation notes and other</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:152.25pt;position:var(--position);top:420pt;width:89.25pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:89.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Credit spreads </span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:241.5pt;position:var(--position);top:420pt;width:60pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:60pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:34.16pt;position:var(--position);text-decoration:none;white-space:pre">50bps</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:301.5pt;position:var(--position);top:420pt;width:60pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:60pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:28.24pt;position:var(--position);text-decoration:none;white-space:pre">(50)bps</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:361.5pt;position:var(--position);top:420pt;width:60pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:60pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:52.88pt;position:var(--position);text-decoration:none;white-space:pre">2</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:421.5pt;position:var(--position);top:420pt;width:60pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:60pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:46.96pt;position:var(--position);text-decoration:none;white-space:pre">(2)</span></div></div></div></td></tr><tr style="height:9.75pt"><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td></tr><tr style="height:12.75pt"><td colspan="3" style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:442.5pt;width:301.5pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:301.5pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Derivative financial liabilities</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td></tr><tr style="height:21.75pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:455.25pt;width:152.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:152.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Interest rate derivatives</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:152.25pt;position:var(--position);top:455.25pt;width:89.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.65pt;width:89.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Interest rate ATM </span></div><div style="line-height:8pt;position:var(--position);top:12.25pt;width:89.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">volatility</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:241.5pt;position:var(--position);top:455.25pt;width:60pt"><div><div style="line-height:8pt;position:var(--position);top:12.25pt;width:60pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:38.92pt;position:var(--position);text-decoration:none;white-space:pre">4bps</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:301.5pt;position:var(--position);top:455.25pt;width:60pt"><div><div style="line-height:8pt;position:var(--position);top:12.25pt;width:60pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:33pt;position:var(--position);text-decoration:none;white-space:pre">(4)bps</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:361.5pt;position:var(--position);top:455.25pt;width:60pt"><div><div style="line-height:8pt;position:var(--position);top:12.25pt;width:60pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:53.37pt;position:var(--position);text-decoration:none;white-space:pre">–</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:421.5pt;position:var(--position);top:455.25pt;width:60pt"><div><div style="line-height:8pt;position:var(--position);top:12.25pt;width:60pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:53.37pt;position:var(--position);text-decoration:none;white-space:pre">–</span></div></div></div></td></tr><tr style="height:12.75pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:477pt;width:152.25pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:152.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Shared appreciation rights</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:152.25pt;position:var(--position);top:477pt;width:89.25pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:89.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">HPI growth</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:241.5pt;position:var(--position);top:477pt;width:60pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:60pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:48.05pt;position:var(--position);text-decoration:none;white-space:pre">1%</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:301.5pt;position:var(--position);top:477pt;width:60pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:60pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:42.13pt;position:var(--position);text-decoration:none;white-space:pre">(1)%</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:361.5pt;position:var(--position);top:477pt;width:60pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:60pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:51.73pt;position:var(--position);text-decoration:none;white-space:pre">11</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:421.5pt;position:var(--position);top:477pt;width:60pt"><div><div style="line-height:8pt;position:var(--position);top:3.25pt;width:60pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:43.38pt;position:var(--position);text-decoration:none;white-space:pre">(10)</span></div></div></div></td></tr></tbody></table></div></div></div><div style="font-size:12pt;line-height:8pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:739.44pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:5.2pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;top:-2.24pt;vertical-align:super;white-space:pre;width:1.83pt">1</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:58.519999999999996pt;position:var(--position);width:0pt"><span style="display:inline-block;height:6.4pt;width:6.67pt"></span></span><span style="left:65.19pt;position:var(--position);width:460.95pt">Where the exposure to a significant unobservable input is managed on a net basis, only the net impact is shown in the table.</span></span></div></div> 0.0138 0.0349 114000000 0.03 0.04 123000000 237000000 0.12 0.86 7000000 5000000 12000000 249000000 0.0287 0.0308 49000000 298000000 0.0349 0.0349 17000000 0.0056 0.0093 6000000 0.03 0.04 101000000 107000000 124000000 0.0138 0.0349 147000000 0.03 0.04 135000000 282000000 5000000 0.0287 0.0308 50000000 337000000 0.0349 0.0349 17000000 0.0038 0.0082 7000000 0.03 0.04 111000000 118000000 135000000 0.0115 0.0115 5000000 -5000000 0.01 0.01 11000000 -6000000 0.10 0.10 0 0 0.46 0.46 1000000 -1000000 0.0075 0.0075 1000000 -1000000 0.0050 0.0050 1000000 -1000000 0.0004 0.0004 0 0 0.01 0.01 9000000 -8000000 0.0115 0.0115 5000000 -5000000 0.01 0.01 14000000 -12000000 0.31 0.31 1000000 -1000000 0.0075 0.0075 2000000 -2000000 0.0050 0.0050 2000000 -2000000 0.0004 0.0004 0 0 0.01 0.01 11000000 -10000000 <span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:481.58pt">The table below summarises the carrying values of financial assets and liabilities measured at amortised cost in the</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.27pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:106.89pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:481.51pt">Group’s consolidated balance sheet. The fair values presented in the table are at a specific date and may be</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.2pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:119.49pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:479.45pt">significantly different from the amounts which will actually be paid or received on the maturity or settlement date.</span></div><div style="position:var(--position);top:140.09pt;width:594.99pt"><div style="font-size:0pt;left:56.69pt;position:var(--position);width:481.5pt"><div><table style="border-collapse:collapse;display:inline-table;width:100%"><tbody><tr style="height:0"><td style="padding:0;width:264.75pt"></td><td style="padding:0;width:50.25pt"></td><td style="padding:0;width:5.25pt"></td><td style="padding:0;width:50.25pt"></td><td style="padding:0;width:5.25pt"></td><td style="padding:0;width:50.25pt"></td><td style="padding:0;width:5.25pt"></td><td style="padding:0;width:50.25pt"></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"></td><td colspan="3" style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:264.75pt;position:var(--position);width:105.75pt"><div><div style="font-size:12pt;line-height:8pt;position:var(--position);top:2.63pt;width:105.75pt"><span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:22.51pt;position:var(--position);text-decoration:none;white-space:pre">At 30 June </span><span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:63.870000000000005pt;position:var(--position);text-decoration:none;white-space:pre">2026</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td colspan="3" style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:375.75pt;position:var(--position);width:105.75pt"><div><div style="font-size:12pt;line-height:8pt;position:var(--position);top:2.63pt;width:105.75pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:12.95pt;position:var(--position);text-decoration:none;white-space:pre">At 31 December </span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:73.96pt;position:var(--position);text-decoration:none;white-space:pre">2025</span></div></div></div></td></tr><tr style="height:32.25pt"><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:264.75pt;position:var(--position);top:12pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:3.55pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:16.32pt;position:var(--position);text-decoration:none;white-space:pre">Carrying</span></div><div style="line-height:8pt;position:var(--position);top:13.15pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:27.69pt;position:var(--position);text-decoration:none;white-space:pre">value</span></div><div style="line-height:8pt;position:var(--position);top:22.75pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:35.97pt;position:var(--position);text-decoration:none;white-space:pre">£m</span></div></div></div></td><td style="border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:320.25pt;position:var(--position);top:12pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:3.55pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:33.47pt;position:var(--position);text-decoration:none;white-space:pre">Fair</span></div><div style="line-height:8pt;position:var(--position);top:13.15pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:27.69pt;position:var(--position);text-decoration:none;white-space:pre">value</span></div><div style="line-height:8pt;position:var(--position);top:22.75pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:35.97pt;position:var(--position);text-decoration:none;white-space:pre">£m</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:375.75pt;position:var(--position);top:12pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:3.55pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:16.6pt;position:var(--position);text-decoration:none;white-space:pre">Carrying</span></div><div style="line-height:8pt;position:var(--position);top:13.15pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:27.91pt;position:var(--position);text-decoration:none;white-space:pre">value</span></div><div style="line-height:8pt;position:var(--position);top:22.75pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:36.03pt;position:var(--position);text-decoration:none;white-space:pre">£m</span></div></div></div></td><td style="border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:12pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:3.55pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:33.58pt;position:var(--position);text-decoration:none;white-space:pre">Fair</span></div><div style="line-height:8pt;position:var(--position);top:13.15pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:27.91pt;position:var(--position);text-decoration:none;white-space:pre">value</span></div><div style="line-height:8pt;position:var(--position);top:22.75pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:36.03pt;position:var(--position);text-decoration:none;white-space:pre">£m</span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:56.25pt;width:264.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:264.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Financial assets</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:68.25pt;width:264.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:264.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:8.3pt;position:var(--position);text-decoration:none;white-space:pre">Loans and advances to banks</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:264.75pt;position:var(--position);top:68.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:21.93pt"></span></span><span style="left:24.56pt;position:var(--position)">6,704<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:320.25pt;position:var(--position);top:68.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:21.93pt"></span></span><span style="left:24.56pt;position:var(--position)">6,704<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:375.75pt;position:var(--position);top:68.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:22.47pt"></span></span><span style="left:25.099999999999998pt;position:var(--position)">5,836<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:68.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:22.47pt"></span></span><span style="left:25.099999999999998pt;position:var(--position)">5,836<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:80.25pt;width:264.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:264.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:8.3pt;position:var(--position);text-decoration:none;white-space:pre">Loans and advances to customers</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:264.75pt;position:var(--position);top:80.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:12.35pt"></span></span><span style="left:14.98pt;position:var(--position)">470,268<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:320.25pt;position:var(--position);top:80.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:12.02pt"></span></span><span style="left:14.649999999999999pt;position:var(--position)">465,620<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:375.75pt;position:var(--position);top:80.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:13.91pt"></span></span><span style="left:16.54pt;position:var(--position)">461,504<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:80.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:11.67pt"></span></span><span style="left:14.3pt;position:var(--position)">460,820<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:92.25pt;width:264.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:264.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:8.3pt;position:var(--position);text-decoration:none;white-space:pre">Reverse repurchase agreements</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:264.75pt;position:var(--position);top:92.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:20.15pt"></span></span><span style="left:22.779999999999998pt;position:var(--position)">47,215<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:320.25pt;position:var(--position);top:92.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:20.15pt"></span></span><span style="left:22.779999999999998pt;position:var(--position)">47,215<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:375.75pt;position:var(--position);top:92.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:17.58pt"></span></span><span style="left:20.209999999999997pt;position:var(--position)">43,962<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:92.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:17.58pt"></span></span><span style="left:20.209999999999997pt;position:var(--position)">43,962<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:104.25pt;width:264.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:264.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:8.3pt;position:var(--position);text-decoration:none;white-space:pre">Debt securities</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:264.75pt;position:var(--position);top:104.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:21.57pt"></span></span><span style="left:24.2pt;position:var(--position)">15,128<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:320.25pt;position:var(--position);top:104.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:18.45pt"></span></span><span style="left:21.08pt;position:var(--position)">15,090<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:375.75pt;position:var(--position);top:104.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:21.43pt"></span></span><span style="left:24.06pt;position:var(--position)">11,983<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:104.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:24.24pt"></span></span><span style="left:26.869999999999997pt;position:var(--position)">12,112<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:116.25pt;width:264.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:264.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:8.3pt;position:var(--position);text-decoration:none;white-space:pre">Due from fellow Lloyds Banking Group undertakings</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:264.75pt;position:var(--position);top:116.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:24.04pt"></span></span><span style="left:26.669999999999998pt;position:var(--position)">1,462<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:320.25pt;position:var(--position);top:116.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:24.04pt"></span></span><span style="left:26.669999999999998pt;position:var(--position)">1,462<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:375.75pt;position:var(--position);top:116.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:26.54pt"></span></span><span style="left:29.169999999999998pt;position:var(--position)">1,182<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:116.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:26.54pt"></span></span><span style="left:29.169999999999998pt;position:var(--position)">1,182<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:140.25pt;width:264.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:264.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Financial liabilities</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:152.25pt;width:264.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:264.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:8.3pt;position:var(--position);text-decoration:none;white-space:pre">Deposits from banks</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:264.75pt;position:var(--position);top:152.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:23.05pt"></span></span><span style="left:25.68pt;position:var(--position)">5,274<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:320.25pt;position:var(--position);top:152.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:23.05pt"></span></span><span style="left:25.68pt;position:var(--position)">5,274<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:375.75pt;position:var(--position);top:152.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:22.14pt"></span></span><span style="left:24.77pt;position:var(--position)">3,085<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:152.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:22.14pt"></span></span><span style="left:24.77pt;position:var(--position)">3,085<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:164.25pt;width:264.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:264.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:8.3pt;position:var(--position);text-decoration:none;white-space:pre">Customer deposits</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:264.75pt;position:var(--position);top:164.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:11.56pt"></span></span><span style="left:14.190000000000001pt;position:var(--position)">466,996<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:320.25pt;position:var(--position);top:164.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:14.51pt"></span></span><span style="left:17.14pt;position:var(--position)">467,431<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:375.75pt;position:var(--position);top:164.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:13.15pt"></span></span><span style="left:15.780000000000001pt;position:var(--position)">465,207<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:164.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:13.05pt"></span></span><span style="left:15.68pt;position:var(--position)">466,567<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:176.25pt;width:264.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:264.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:8.3pt;position:var(--position);text-decoration:none;white-space:pre">Repurchase agreements at amortised cost</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:264.75pt;position:var(--position);top:176.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:15.74pt"></span></span><span style="left:18.37pt;position:var(--position)">44,600<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:320.25pt;position:var(--position);top:176.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:15.74pt"></span></span><span style="left:18.37pt;position:var(--position)">44,600<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:375.75pt;position:var(--position);top:176.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:19.12pt"></span></span><span style="left:21.75pt;position:var(--position)">37,567<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:176.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:19.12pt"></span></span><span style="left:21.75pt;position:var(--position)">37,567<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:188.25pt;width:264.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:264.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:8.3pt;position:var(--position);text-decoration:none;white-space:pre">Due to fellow Lloyds Banking Group undertakings</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:264.75pt;position:var(--position);top:188.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:23.24pt"></span></span><span style="left:25.869999999999997pt;position:var(--position)">5,522<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:320.25pt;position:var(--position);top:188.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:23.24pt"></span></span><span style="left:25.869999999999997pt;position:var(--position)">5,522<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:375.75pt;position:var(--position);top:188.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:22.9pt"></span></span><span style="left:25.529999999999998pt;position:var(--position)">3,852<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:188.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:22.9pt"></span></span><span style="left:25.529999999999998pt;position:var(--position)">3,852<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:200.25pt;width:264.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:264.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:8.3pt;position:var(--position);text-decoration:none;white-space:pre">Debt securities in issue</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:264.75pt;position:var(--position);top:200.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:16.73pt"></span></span><span style="left:19.36pt;position:var(--position)">62,806<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:320.25pt;position:var(--position);top:200.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:17.27pt"></span></span><span style="left:19.9pt;position:var(--position)">62,854<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:375.75pt;position:var(--position);top:200.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:20.6pt"></span></span><span style="left:23.23pt;position:var(--position)">52,132<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:200.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:18.36pt"></span></span><span style="left:20.99pt;position:var(--position)">52,202<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:212.25pt;width:264.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:264.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:8.3pt;position:var(--position);text-decoration:none;white-space:pre">Subordinated liabilities </span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:264.75pt;position:var(--position);top:212.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:23.13pt"></span></span><span style="left:25.759999999999998pt;position:var(--position)">7,582<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:320.25pt;position:var(--position);top:212.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:21.89pt"></span></span><span style="left:24.52pt;position:var(--position)">8,658<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:375.75pt;position:var(--position);top:212.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:21.68pt"></span></span><span style="left:24.31pt;position:var(--position)">8,020<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:212.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:21.9pt"></span></span><span style="left:24.529999999999998pt;position:var(--position)">9,058<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td></tr></tbody></table></div></div></div> 6704000000 6704000000 5836000000 5836000000 470268000000 465620000000 461504000000 460820000000 47215000000 47215000000 43962000000 43962000000 15128000000 15090000000 11983000000 12112000000 1462000000 1462000000 1182000000 1182000000 5274000000 5274000000 3085000000 3085000000 466996000000 467431000000 465207000000 466567000000 44600000000 44600000000 37567000000 37567000000 5522000000 5522000000 3852000000 3852000000 62806000000 62854000000 52132000000 52202000000 7582000000 8658000000 8020000000 9058000000 <span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:9pt;font-style:normal;font-weight:bold;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre">Note 10: Allowance for expected credit losses</span><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:94.29pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:481.61pt">The calculation of the Group’s allowance for expected credit losses requires the Group to make a number of</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.3pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:106.89pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:306.42pt">judgements, assumptions and estimates. These are set out in full in note </span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:363.11pt;position:var(--position);text-decoration:none;white-space:pre;width:8.71pt">19</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:371.82pt;position:var(--position);text-decoration:none;white-space:pre;width:166.31pt"> to the Group’s financial statements for</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.13pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:119.49pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:121.57pt">the year ended 31 December </span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:178.26pt;position:var(--position);text-decoration:none;white-space:pre;width:21.19pt">2025</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:199.45pt;position:var(--position);text-decoration:none;white-space:pre;width:170.85pt">, with the most significant set out below.</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:370.3pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:140.09pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:204.27pt">The table below analyses total ECL allowance </span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:260.96000000000004pt;position:var(--position);text-decoration:none;white-space:pre;width:277.22pt">by portfolio, separately identifying the amounts that have been</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.1800000000001pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:152.69pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:481.61pt">modelled, those that have been individually assessed and those arising through the application of judgemental</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.3pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:165.29pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:54.16pt">adjustments.</span></div><div style="position:var(--position);top:185.89pt;width:594.99pt"><div style="font-size:0pt;left:56.69pt;position:var(--position);width:481.5pt"><div><table style="border-collapse:collapse;display:inline-table;width:100%"><tbody><tr style="height:0"><td style="padding:0;width:249.75pt"></td><td style="padding:0;width:54pt"></td><td style="padding:0;width:5.25pt"></td><td style="padding:0;width:54pt"></td><td style="padding:0;width:5.25pt"></td><td style="padding:0;width:54pt"></td><td style="padding:0;width:5.25pt"></td><td style="padding:0;width:54pt"></td></tr><tr style="height:42pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);width:249.75pt"><div><div style="font-size:12pt;line-height:8pt;position:var(--position);top:32.5pt;width:249.75pt"><span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">At 30 June </span><span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:43.99pt;position:var(--position);text-decoration:none;white-space:pre">2026</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:249.75pt;position:var(--position);width:54pt"><div><div style="line-height:8pt;position:var(--position);top:13.3pt;width:54pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:16.37pt;position:var(--position);text-decoration:none;white-space:pre">Modelled</span></div><div style="line-height:8pt;position:var(--position);top:22.9pt;width:54pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:36.6pt;position:var(--position);text-decoration:none;white-space:pre">ECL</span></div><div style="line-height:8pt;position:var(--position);top:32.5pt;width:54pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:39.72pt;position:var(--position);text-decoration:none;white-space:pre">£m</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:309pt;position:var(--position);width:54pt"><div><div style="line-height:8pt;position:var(--position);top:13.3pt;width:54pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:8.26pt;position:var(--position);text-decoration:none;white-space:pre">Individually</span></div><div style="line-height:8pt;position:var(--position);top:22.9pt;width:54pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:19.09pt;position:var(--position);text-decoration:none;white-space:pre">assessed</span></div><div style="line-height:8pt;position:var(--position);top:32.5pt;width:54pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:39.72pt;position:var(--position);text-decoration:none;white-space:pre">£m</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:368.25pt;position:var(--position);width:54pt"><div><div style="line-height:8pt;position:var(--position);top:13.3pt;width:54pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:4.16pt;position:var(--position);text-decoration:none;white-space:pre">Judgemental</span></div><div style="line-height:8pt;position:var(--position);top:22.9pt;width:54pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:4.87pt;position:var(--position);text-decoration:none;white-space:pre">adjustments</span></div><div style="line-height:8pt;position:var(--position);top:32.5pt;width:54pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:39.72pt;position:var(--position);text-decoration:none;white-space:pre">£m</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:427.5pt;position:var(--position);width:54pt"><div><div style="line-height:8pt;position:var(--position);top:13.3pt;width:54pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:31.56pt;position:var(--position);text-decoration:none;white-space:pre">Total</span></div><div style="line-height:8pt;position:var(--position);top:22.9pt;width:54pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:36.6pt;position:var(--position);text-decoration:none;white-space:pre">ECL</span></div><div style="line-height:8pt;position:var(--position);top:32.5pt;width:54pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:39.72pt;position:var(--position);text-decoration:none;white-space:pre">£m</span></div></div></div></td></tr><tr style="height:14.25pt"><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td></tr><tr style="height:14.25pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:56.25pt;width:249.75pt"><div><div style="line-height:8pt;position:var(--position);top:4.75pt;width:249.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">UK mortgages</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:249.75pt;position:var(--position);top:56.25pt;width:54pt"><div><div style="line-height:8pt;position:var(--position);top:4.75pt;width:54pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:32.76pt"></span></span><span style="left:35.39pt;position:var(--position)">602<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:309pt;position:var(--position);top:56.25pt;width:54pt"><div><div style="line-height:8pt;position:var(--position);top:4.75pt;width:54pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:43.59pt"></span></span><span style="left:46.220000000000006pt;position:var(--position)">–<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:368.25pt;position:var(--position);top:56.25pt;width:54pt"><div><div style="line-height:8pt;position:var(--position);top:4.75pt;width:54pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:38.37pt"></span></span><span style="left:41pt;position:var(--position)">67<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:427.5pt;position:var(--position);top:56.25pt;width:54pt"><div><div style="line-height:8pt;position:var(--position);top:4.75pt;width:54pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:32.65pt"></span></span><span style="left:35.28pt;position:var(--position)">669<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td></tr><tr style="height:14.25pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:70.5pt;width:249.75pt"><div><div style="line-height:8pt;position:var(--position);top:4.75pt;width:249.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Credit cards</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:249.75pt;position:var(--position);top:70.5pt;width:54pt"><div><div style="line-height:8pt;position:var(--position);top:4.75pt;width:54pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:32.94pt"></span></span><span style="left:35.57pt;position:var(--position)">589<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:309pt;position:var(--position);top:70.5pt;width:54pt"><div><div style="line-height:8pt;position:var(--position);top:4.75pt;width:54pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:43.59pt"></span></span><span style="left:46.220000000000006pt;position:var(--position)">–<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:368.25pt;position:var(--position);top:70.5pt;width:54pt"><div><div style="line-height:8pt;position:var(--position);top:4.75pt;width:54pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:37.98pt"></span></span><span style="left:40.61pt;position:var(--position)">56<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:427.5pt;position:var(--position);top:70.5pt;width:54pt"><div><div style="line-height:8pt;position:var(--position);top:4.75pt;width:54pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:32.86pt"></span></span><span style="left:35.49pt;position:var(--position)">645<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td></tr><tr style="height:14.25pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:84.75pt;width:249.75pt"><div><div style="line-height:8pt;position:var(--position);top:4.75pt;width:249.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Other Retail</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:249.75pt;position:var(--position);top:84.75pt;width:54pt"><div><div style="line-height:8pt;position:var(--position);top:4.75pt;width:54pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:32.32pt"></span></span><span style="left:34.95pt;position:var(--position)">909<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:309pt;position:var(--position);top:84.75pt;width:54pt"><div><div style="line-height:8pt;position:var(--position);top:4.75pt;width:54pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:43.59pt"></span></span><span style="left:46.220000000000006pt;position:var(--position)">–<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:368.25pt;position:var(--position);top:84.75pt;width:54pt"><div><div style="line-height:8pt;position:var(--position);top:4.75pt;width:54pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:38.64pt"></span></span><span style="left:41.27pt;position:var(--position)">73<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:427.5pt;position:var(--position);top:84.75pt;width:54pt"><div><div style="line-height:8pt;position:var(--position);top:4.75pt;width:54pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:33.03pt"></span></span><span style="left:35.660000000000004pt;position:var(--position)">982<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td></tr><tr style="height:14.25pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:99pt;width:249.75pt"><div><div style="line-height:8pt;position:var(--position);top:4.75pt;width:249.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Commercial Banking</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:249.75pt;position:var(--position);top:99pt;width:54pt"><div><div style="line-height:8pt;position:var(--position);top:4.75pt;width:54pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:33.62pt"></span></span><span style="left:36.25pt;position:var(--position)">535<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:309pt;position:var(--position);top:99pt;width:54pt"><div><div style="line-height:8pt;position:var(--position);top:4.75pt;width:54pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:32.92pt"></span></span><span style="left:35.550000000000004pt;position:var(--position)">369<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:368.25pt;position:var(--position);top:99pt;width:54pt"><div><div style="line-height:8pt;position:var(--position);top:4.75pt;width:54pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:34.81pt"></span></span><span style="left:37.440000000000005pt;position:var(--position)">(54)</span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:427.5pt;position:var(--position);top:99pt;width:54pt"><div><div style="line-height:8pt;position:var(--position);top:4.75pt;width:54pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:32.61pt"></span></span><span style="left:35.24pt;position:var(--position)">850<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td></tr><tr style="height:14.25pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:113.25pt;width:249.75pt"><div><div style="line-height:8pt;position:var(--position);top:4.75pt;width:249.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Other</span></div></div></div></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:249.75pt;position:var(--position);top:113.25pt;width:54pt"><div><div style="line-height:8pt;position:var(--position);top:4.75pt;width:54pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:44.69pt"></span></span><span style="left:47.32pt;position:var(--position)">1<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:309pt;position:var(--position);top:113.25pt;width:54pt"><div><div style="line-height:8pt;position:var(--position);top:4.75pt;width:54pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:43.59pt"></span></span><span style="left:46.220000000000006pt;position:var(--position)">–<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:368.25pt;position:var(--position);top:113.25pt;width:54pt"><div><div style="line-height:8pt;position:var(--position);top:4.75pt;width:54pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:43.59pt"></span></span><span style="left:46.220000000000006pt;position:var(--position)">–<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:427.5pt;position:var(--position);top:113.25pt;width:54pt"><div><div style="line-height:8pt;position:var(--position);top:4.75pt;width:54pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:44.69pt"></span></span><span style="left:47.32pt;position:var(--position)">1<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td></tr><tr style="height:14.25pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:127.5pt;width:249.75pt"><div><div style="line-height:8pt;position:var(--position);top:4.75pt;width:249.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Total</span></div></div></div></td><td style="border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:249.75pt;position:var(--position);top:127.5pt;width:54pt"><div><div style="line-height:8pt;position:var(--position);top:4.75pt;width:54pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:26.12pt"></span></span><span style="left:28.75pt;position:var(--position)">2,636<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:309pt;position:var(--position);top:127.5pt;width:54pt"><div><div style="line-height:8pt;position:var(--position);top:4.75pt;width:54pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:32.92pt"></span></span><span style="left:35.550000000000004pt;position:var(--position)">369<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:368.25pt;position:var(--position);top:127.5pt;width:54pt"><div><div style="line-height:8pt;position:var(--position);top:4.75pt;width:54pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:35.03pt"></span></span><span style="left:37.660000000000004pt;position:var(--position)">142<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:427.5pt;position:var(--position);top:127.5pt;width:54pt"><div><div style="line-height:8pt;position:var(--position);top:4.75pt;width:54pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:28.36pt"></span></span><span style="left:30.99pt;position:var(--position)">3,147<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td></tr><tr style="height:14.25pt"><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td></tr><tr style="height:14.25pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:156pt;width:249.75pt"><div><div style="font-size:12pt;line-height:8pt;position:var(--position);top:4.75pt;width:249.75pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">At 31 December </span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:63.64pt;position:var(--position);text-decoration:none;white-space:pre">2025</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td></tr><tr style="height:14.25pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:170.25pt;width:249.75pt"><div><div style="line-height:8pt;position:var(--position);top:4.75pt;width:249.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">UK mortgages</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:249.75pt;position:var(--position);top:170.25pt;width:54pt"><div><div style="line-height:8pt;position:var(--position);top:4.75pt;width:54pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:33.5pt"></span></span><span style="left:36.13pt;position:var(--position)">623<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:309pt;position:var(--position);top:170.25pt;width:54pt"><div><div style="line-height:8pt;position:var(--position);top:4.75pt;width:54pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:43.59pt"></span></span><span style="left:46.220000000000006pt;position:var(--position)">–<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:368.25pt;position:var(--position);top:170.25pt;width:54pt"><div><div style="line-height:8pt;position:var(--position);top:4.75pt;width:54pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:34.51pt"></span></span><span style="left:37.14pt;position:var(--position)">108<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:427.5pt;position:var(--position);top:170.25pt;width:54pt"><div><div style="line-height:8pt;position:var(--position);top:4.75pt;width:54pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:35.91pt"></span></span><span style="left:38.54pt;position:var(--position)">731<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td></tr><tr style="height:14.25pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:184.5pt;width:249.75pt"><div><div style="line-height:8pt;position:var(--position);top:4.75pt;width:249.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Credit cards</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:249.75pt;position:var(--position);top:184.5pt;width:54pt"><div><div style="line-height:8pt;position:var(--position);top:4.75pt;width:54pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:32.65pt"></span></span><span style="left:35.28pt;position:var(--position)">540<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:309pt;position:var(--position);top:184.5pt;width:54pt"><div><div style="line-height:8pt;position:var(--position);top:4.75pt;width:54pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:43.59pt"></span></span><span style="left:46.220000000000006pt;position:var(--position)">–<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:368.25pt;position:var(--position);top:184.5pt;width:54pt"><div><div style="line-height:8pt;position:var(--position);top:4.75pt;width:54pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:37.99pt"></span></span><span style="left:40.620000000000005pt;position:var(--position)">63<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:427.5pt;position:var(--position);top:184.5pt;width:54pt"><div><div style="line-height:8pt;position:var(--position);top:4.75pt;width:54pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:32.74pt"></span></span><span style="left:35.370000000000005pt;position:var(--position)">603<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td></tr><tr style="height:14.25pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:198.75pt;width:249.75pt"><div><div style="line-height:8pt;position:var(--position);top:4.75pt;width:249.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Other Retail</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:249.75pt;position:var(--position);top:198.75pt;width:54pt"><div><div style="line-height:8pt;position:var(--position);top:4.75pt;width:54pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:34.93pt"></span></span><span style="left:37.56pt;position:var(--position)">916<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:309pt;position:var(--position);top:198.75pt;width:54pt"><div><div style="line-height:8pt;position:var(--position);top:4.75pt;width:54pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:43.59pt"></span></span><span style="left:46.220000000000006pt;position:var(--position)">–<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:368.25pt;position:var(--position);top:198.75pt;width:54pt"><div><div style="line-height:8pt;position:var(--position);top:4.75pt;width:54pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:38.81pt"></span></span><span style="left:41.440000000000005pt;position:var(--position)">75<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:427.5pt;position:var(--position);top:198.75pt;width:54pt"><div><div style="line-height:8pt;position:var(--position);top:4.75pt;width:54pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:34.93pt"></span></span><span style="left:37.56pt;position:var(--position)">991<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td></tr><tr style="height:14.25pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:213pt;width:249.75pt"><div><div style="line-height:8pt;position:var(--position);top:4.75pt;width:249.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Commercial Banking</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:249.75pt;position:var(--position);top:213pt;width:54pt"><div><div style="line-height:8pt;position:var(--position);top:4.75pt;width:54pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:33.41pt"></span></span><span style="left:36.04pt;position:var(--position)">542<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:309pt;position:var(--position);top:213pt;width:54pt"><div><div style="line-height:8pt;position:var(--position);top:4.75pt;width:54pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:33.22pt"></span></span><span style="left:35.85pt;position:var(--position)">354<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:368.25pt;position:var(--position);top:213pt;width:54pt"><div><div style="line-height:8pt;position:var(--position);top:4.75pt;width:54pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:37.32pt"></span></span><span style="left:39.95pt;position:var(--position)">(21)<span style="display:inline-block;height:6.4pt;width:0.07pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:427.5pt;position:var(--position);top:213pt;width:54pt"><div><div style="line-height:8pt;position:var(--position);top:4.75pt;width:54pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:33.8pt"></span></span><span style="left:36.43pt;position:var(--position)">875<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td></tr><tr style="height:14.25pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:227.25pt;width:249.75pt"><div><div style="line-height:8pt;position:var(--position);top:4.75pt;width:249.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Other</span></div></div></div></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:249.75pt;position:var(--position);top:227.25pt;width:54pt"><div><div style="line-height:8pt;position:var(--position);top:4.75pt;width:54pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:44.77pt"></span></span><span style="left:47.400000000000006pt;position:var(--position)">1<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:309pt;position:var(--position);top:227.25pt;width:54pt"><div><div style="line-height:8pt;position:var(--position);top:4.75pt;width:54pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:43.59pt"></span></span><span style="left:46.220000000000006pt;position:var(--position)">–<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:368.25pt;position:var(--position);top:227.25pt;width:54pt"><div><div style="line-height:8pt;position:var(--position);top:4.75pt;width:54pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:43.59pt"></span></span><span style="left:46.220000000000006pt;position:var(--position)">–<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:427.5pt;position:var(--position);top:227.25pt;width:54pt"><div><div style="line-height:8pt;position:var(--position);top:4.75pt;width:54pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:44.69pt"></span></span><span style="left:47.32pt;position:var(--position)">1<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td></tr><tr style="height:14.25pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:241.5pt;width:249.75pt"><div><div style="line-height:8pt;position:var(--position);top:4.75pt;width:249.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Total</span></div></div></div></td><td style="border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:249.75pt;position:var(--position);top:241.5pt;width:54pt"><div><div style="line-height:8pt;position:var(--position);top:4.75pt;width:54pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:26.97pt"></span></span><span style="left:29.599999999999998pt;position:var(--position)">2,622<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:309pt;position:var(--position);top:241.5pt;width:54pt"><div><div style="line-height:8pt;position:var(--position);top:4.75pt;width:54pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:33.22pt"></span></span><span style="left:35.85pt;position:var(--position)">354<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:368.25pt;position:var(--position);top:241.5pt;width:54pt"><div><div style="line-height:8pt;position:var(--position);top:4.75pt;width:54pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:34.01pt"></span></span><span style="left:36.64pt;position:var(--position)">225<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:427.5pt;position:var(--position);top:241.5pt;width:54pt"><div><div style="line-height:8pt;position:var(--position);top:4.75pt;width:54pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:28.12pt"></span></span><span style="left:30.75pt;position:var(--position)">3,201<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td></tr></tbody></table></div></div></div><div style="font-size:12pt;line-height:9pt;position:var(--position);top:454.64pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:9pt;font-style:normal;font-weight:bold;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre">Adjustments to modelled ECL</span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);top:473.44pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:9pt;font-style:normal;font-weight:bold;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre">UK mortgages: £</span><span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:9pt;font-style:normal;font-weight:bold;left:126.75pt;position:var(--position);text-decoration:none;white-space:pre">67</span><span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:9pt;font-style:normal;font-weight:bold;left:137.45pt;position:var(--position);text-decoration:none;white-space:pre"> million (31 December 2025: £</span><span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:9pt;font-style:normal;font-weight:bold;left:263.12pt;position:var(--position);text-decoration:none;white-space:pre">108</span><span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:9pt;font-style:normal;font-weight:bold;left:278.44pt;position:var(--position);text-decoration:none;white-space:pre"> million)</span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:487.24pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:167.11pt">These adjustments principally comprise:</span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);top:507.84pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:9pt;font-style:italic;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre">Repossession risk: £</span><span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:9pt;font-style:italic;font-weight:normal;left:139.20999999999998pt;position:var(--position);text-decoration:none;white-space:pre">67</span><span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:9pt;font-style:italic;font-weight:normal;left:149.57999999999998pt;position:var(--position);text-decoration:none;white-space:pre"> million (31 December 2025: £</span><span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:9pt;font-style:italic;font-weight:normal;left:273.49pt;position:var(--position);text-decoration:none;white-space:pre">85</span><span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:9pt;font-style:italic;font-weight:normal;left:284.37pt;position:var(--position);text-decoration:none;white-space:pre"> million)</span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:521.64pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:481.57pt">Additional ECL continues to be held judgementally to capture the potential repossession and recovery risk from</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.26pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:534.24pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:481.61pt">specific subsets of largely long-term defaulted cases. The reduction in the adjustment comes from the</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.3pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:546.84pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:481.49pt">reclassification of one part previously needed to set an anticipated longer duration between default and</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.1800000000001pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:559.44pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:481.58pt">repossession than was observable at the time. Having now seen that elongation emerge and subsequently</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.27pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:572.04pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:381.14pt">normalise there is now sufficient observable behaviour to return to a data driven approach.</span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);top:592.64pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:9pt;font-style:italic;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre">Adjustment for specific segments: £</span><span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:9pt;font-style:italic;font-weight:normal;left:206.43pt;position:var(--position);text-decoration:none;white-space:pre">nil</span><span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:9pt;font-style:italic;font-weight:normal;left:216.54pt;position:var(--position);text-decoration:none;white-space:pre"> (31 December 2025: £</span><span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:9pt;font-style:italic;font-weight:normal;left:309.77pt;position:var(--position);text-decoration:none;white-space:pre">13</span><span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:9pt;font-style:italic;font-weight:normal;left:318.33pt;position:var(--position);text-decoration:none;white-space:pre"> million</span><span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:9pt;font-style:italic;font-weight:normal;left:349.01pt;position:var(--position);text-decoration:none;white-space:pre">)</span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:606.44pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:481.53pt">An adjustment was previously required to address fire safety and cladding uncertainty as not fully captured</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.22pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:619.04pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:481.52pt">through collective models. This adjustment has been fully released as the risk is now deemed immaterial following</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.21pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:631.64pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:175.46pt">reduction in exposure to these properties.</span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);top:652.24pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:9pt;font-style:normal;font-weight:bold;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre">Credit cards: £</span><span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:9pt;font-style:normal;font-weight:bold;left:118.50999999999999pt;position:var(--position);text-decoration:none;white-space:pre">56</span><span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:9pt;font-style:normal;font-weight:bold;left:129.56pt;position:var(--position);text-decoration:none;white-space:pre"> million (31 December 2025: £</span><span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:9pt;font-style:normal;font-weight:bold;left:255.23pt;position:var(--position);text-decoration:none;white-space:pre">63</span><span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:9pt;font-style:normal;font-weight:bold;left:266.37pt;position:var(--position);text-decoration:none;white-space:pre"> million) and Other Retail: £</span><span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:9pt;font-style:normal;font-weight:bold;left:384.73pt;position:var(--position);text-decoration:none;white-space:pre">73</span><span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:9pt;font-style:normal;font-weight:bold;left:395.05pt;position:var(--position);text-decoration:none;white-space:pre"> million (31 December 2025: </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);top:663.04pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:9pt;font-style:normal;font-weight:bold;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre">£</span><span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:9pt;font-style:normal;font-weight:bold;left:61.809999999999995pt;position:var(--position);text-decoration:none;white-space:pre">75</span><span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:9pt;font-style:normal;font-weight:bold;left:72.03999999999999pt;position:var(--position);text-decoration:none;white-space:pre"> million)</span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:676.84pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:167.11pt">These adjustments principally comprise:</span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);top:697.44pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:9pt;font-style:italic;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre">Lifetime extension: Credit cards: £</span><span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:9pt;font-style:italic;font-weight:normal;left:200.8pt;position:var(--position);text-decoration:none;white-space:pre">49</span><span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:9pt;font-style:italic;font-weight:normal;left:212.16pt;position:var(--position);text-decoration:none;white-space:pre"> million (31 December 2025: £</span><span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:9pt;font-style:italic;font-weight:normal;left:336.07pt;position:var(--position);text-decoration:none;white-space:pre">49</span><span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:9pt;font-style:italic;font-weight:normal;left:347.43pt;position:var(--position);text-decoration:none;white-space:pre"> million) and Other Retail: £</span><span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:9pt;font-style:italic;font-weight:normal;left:463.9pt;position:var(--position);text-decoration:none;white-space:pre">9</span><span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:9pt;font-style:italic;font-weight:normal;left:469.5pt;position:var(--position);text-decoration:none;white-space:pre"> million </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);top:708.24pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:9pt;font-style:italic;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre">(31 December 2025: £</span><span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:9pt;font-style:italic;font-weight:normal;left:147.67000000000002pt;position:var(--position);text-decoration:none;white-space:pre">9</span><span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:9pt;font-style:italic;font-weight:normal;left:153.26999999999998pt;position:var(--position);text-decoration:none;white-space:pre"> million)</span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:722.04pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:481.55pt">An adjustment is required to extend the lifetime used for Stage 2 exposures on Retail revolving products from a</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.24pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:734.64pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:481.5pt">three-year modelled lifetime, which reflected the outcome data available when the ECL models were developed,</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.19pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:747.24pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:481.55pt">to a more representative lifetime. Incremental defaults beyond year three are calculated through the extrapolation</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.24pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:759.84pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:310.73pt">of the default trajectory observed throughout the three years and beyond.</span></div><div><div style="font-size:12pt;line-height:9pt;position:var(--position);top:56.69pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:9pt;font-style:normal;font-weight:bold;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre">NOTES TO THE CONDENSED CONSOLIDATED HALF-YEAR FINANCIAL STATEMENTS (UNAUDITED)</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:485.73pt;position:var(--position);text-decoration:none;white-space:pre"> (continued)</span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);top:75.49pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:9pt;font-style:normal;font-weight:bold;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre">Note 10: Allowance for expected credit losses</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:251.52pt;position:var(--position);text-decoration:none;white-space:pre"> (continued)</span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);top:94.29pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:9pt;font-style:italic;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre">Adjustments to loss rates: </span><span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:9pt;font-style:italic;font-weight:normal;left:167.76999999999998pt;position:var(--position);text-decoration:none;white-space:pre">Other Retail: £</span><span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:9pt;font-style:italic;font-weight:normal;left:229.64pt;position:var(--position);text-decoration:none;white-space:pre">37</span><span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:9pt;font-style:italic;font-weight:normal;left:239.71pt;position:var(--position);text-decoration:none;white-space:pre"> </span><span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:9pt;font-style:italic;font-weight:normal;left:241.96pt;position:var(--position);text-decoration:none;white-space:pre">million (31 December 2025: £</span><span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:9pt;font-style:italic;font-weight:normal;left:363.62pt;position:var(--position);text-decoration:none;white-space:pre">25</span><span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:9pt;font-style:italic;font-weight:normal;left:373.94pt;position:var(--position);text-decoration:none;white-space:pre"> million)</span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:108.09pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:481.47pt">An adjustment is made to the loss given default (LGD) assumptions within the motor credit model to capture</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.1600000000001pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:120.69pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:481.55pt">observed loss rates and the latest outlook on used car prices. The increase in the period reflects both the further</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.24pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:133.29pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:481.47pt">adjustment required as the model now captures distorted historical loss-data from the Covid-period, as well as a</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.1600000000001pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:145.89pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:174.45pt">small expected deterioration in loss rates.</span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);top:166.49pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:9pt;font-style:normal;font-weight:bold;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre">Commercial Banking: £</span><span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:9pt;font-style:normal;font-weight:bold;left:154.55pt;position:var(--position);text-decoration:none;white-space:pre">(54)</span><span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:9pt;font-style:normal;font-weight:bold;left:172.87pt;position:var(--position);text-decoration:none;white-space:pre"> million (31 December 2025: £</span><span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:9pt;font-style:normal;font-weight:bold;left:298.53999999999996pt;position:var(--position);text-decoration:none;white-space:pre">(21)</span><span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:9pt;font-style:normal;font-weight:bold;left:314.45pt;position:var(--position);text-decoration:none;white-space:pre"> million)</span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:180.29pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:167.11pt">These adjustments principally comprise:</span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);top:200.89pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:9pt;font-style:italic;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre">Corporate insolvency rates: £</span><span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:9pt;font-style:italic;font-weight:normal;left:179.29pt;position:var(--position);text-decoration:none;white-space:pre">(104)</span><span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:9pt;font-style:italic;font-weight:normal;left:201.1pt;position:var(--position);text-decoration:none;white-space:pre"> million (31 December 2025: £</span><span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:9pt;font-style:italic;font-weight:normal;left:325.01pt;position:var(--position);text-decoration:none;white-space:pre">(119)</span><span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:9pt;font-style:italic;font-weight:normal;left:343.95pt;position:var(--position);text-decoration:none;white-space:pre"> million)</span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:214.69pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:481.52pt">The volume of UK corporate insolvencies continues to exhibit an elevated trend beyond December 2019 levels,</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.21pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:227.29pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:481.6pt">revealing a marked misalignment between observed UK corporate insolvencies and the Group’s equivalent credit</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.29pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:239.89pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:481.48pt">performance. This dislocation gives rise to uncertainty over the drivers of the observed trends in the metric and the</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.1700000000001pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:252.49pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:481.6pt">appropriateness of the Group’s Commercial Banking model response which uses observed UK corporate</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.29pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:265.09pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:481.53pt">insolvencies data to anchor future loss estimates to. Given the Group’s stable credit performance, a negative</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.22pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:277.69pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:481.48pt">adjustment is applied by reverting judgementally to the long-term average of the insolvency rate. The scale of the</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.1700000000001pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:290.29pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:481.58pt">negative adjustment reduced in the period reflecting the reduction in observed actual UK corporate insolvency</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.27pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:302.89pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:190.14pt">rates, narrowing the gap of the misalignment.</span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);top:323.49pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:9pt;font-style:italic;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre">Adjustments for loss given defaults (LGDs): £</span><span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:9pt;font-style:italic;font-weight:normal;left:244.66pt;position:var(--position);text-decoration:none;white-space:pre">50</span><span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:9pt;font-style:italic;font-weight:normal;left:255.84pt;position:var(--position);text-decoration:none;white-space:pre"> million (31 December 2025: £</span><span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:9pt;font-style:italic;font-weight:normal;left:379.75pt;position:var(--position);text-decoration:none;white-space:pre">50</span><span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:9pt;font-style:italic;font-weight:normal;left:390.93pt;position:var(--position);text-decoration:none;white-space:pre"> million)</span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:337.29pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:481.48pt">An adjustment is required for a specific segment of the SME portfolio which judgementally applies a more</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.1700000000001pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:349.89pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:382.78pt">appropriate blended LGD rate from credit risk profile segments more aligned to experience.</span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);top:370.49pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:9pt;font-style:italic;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre">Global tariff and political disruption risks: £</span><span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:9pt;font-style:italic;font-weight:normal;left:238.35999999999999pt;position:var(--position);text-decoration:none;white-space:pre">nil</span><span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:9pt;font-style:italic;font-weight:normal;left:248.47pt;position:var(--position);text-decoration:none;white-space:pre"> (31 December 2025: £</span><span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:9pt;font-style:italic;font-weight:normal;left:341.7pt;position:var(--position);text-decoration:none;white-space:pre">48</span><span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:9pt;font-style:italic;font-weight:normal;left:353.13pt;position:var(--position);text-decoration:none;white-space:pre"> million) </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:384.29pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:481.6pt">An adjustment was previously held to recognise the potential risks to specific drivers across various corporate</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.29pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:396.89pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:481.55pt">sectors not reflected in broad macroeconomic model drivers. These were in relation to potential nuanced risks to</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.24pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:409.49pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:481.48pt">businesses inherent in the base case which could also worsen in the downside scenarios. This adjustment has been</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.1700000000001pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:422.09pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:481.61pt">fully released as these risks are considered to be adequately captured within assumptions and resulting modelled</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.3pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:434.69pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:44.4pt">provisions.</span></div></div><div><div style="font-size:12pt;line-height:9pt;position:var(--position);top:56.69pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:9pt;font-style:normal;font-weight:bold;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre">NOTES TO THE CONDENSED CONSOLIDATED HALF-YEAR FINANCIAL STATEMENTS (UNAUDITED)</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:485.73pt;position:var(--position);text-decoration:none;white-space:pre"> (continued)</span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);top:75.49pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:9pt;font-style:normal;font-weight:bold;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre">Note 10: Allowance for expected credit losses</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:251.52pt;position:var(--position);text-decoration:none;white-space:pre"> (continued)</span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);top:94.29pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:9pt;font-style:normal;font-weight:bold;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre">Base case and MES economic assumptions</span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:113.09pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:481.48pt">The Group’s base case economic scenario has been updated to reflect ongoing geopolitical developments and</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.1700000000001pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:125.69pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:481.47pt">conditions in financial and commodity markets through to the balance sheet date. The Group’s updated base case</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.1600000000001pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:138.29pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:481.58pt">scenario has four conditioning assumptions. First, developments in global conflicts, technology or financial sector</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.27pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:150.89pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:481.47pt">issues do not cause a significant degree of financial market volatility. Second, a drift towards further</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.1600000000001pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:163.49pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:481.61pt">deglobalisation and financial market fragmentation continues as part of a reordering of global economic relations,</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.3pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:176.09pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:481.5pt">adding to economic frictions. Third, the UK’s existing macroeconomic framework for monetary and fiscal policy</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.19pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:188.69pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:481.52pt">remains in place, alongside broader continuity on other areas of government policy. Fourth, advancements in AI</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.21pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:201.29pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:481.46pt">begin to boost UK productivity growth but worsen the employment outlook in a ‘transitional’ phase around the</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.15pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:213.89pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:80.44pt">turn of the decade.</span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:234.49pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:481.49pt">Based on these assumptions and incorporating the economic data published in the second quarter of 2026, the</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.1800000000001pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:247.09pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:481.57pt">Group’s base case scenario is for a slow expansion in gross domestic product (GDP) and a further rise in the</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.26pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:259.69pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:481.6pt">unemployment rate alongside small gains in residential and commercial property prices. Although inflationary</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.29pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:272.29pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:481.59pt">pressures attributable to the conflict in the Middle East are yet to peak, UK Bank Rate is expected to remain on</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.28pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:284.89pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:481.5pt">hold during 2026, before reaching a ‘neutral’ policy stance in 2027. Risks around this base case economic view lie in</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.19pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:297.49pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:389.24pt">both directions and are largely captured by the generation of alternative economic scenarios.</span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:318.09pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:404.77pt">The Group’s approach to generating alternative economic scenarios is set out in detail in note </span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:461.46pt;position:var(--position);text-decoration:none;white-space:pre;width:8.71pt">19</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:470.17pt;position:var(--position);text-decoration:none;white-space:pre;width:68.02pt"> to the financial</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.19pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:330.69pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:205.42pt">statements for the year ended 31 December </span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:262.11pt;position:var(--position);text-decoration:none;white-space:pre;width:21.19pt">2025</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:283.3pt;position:var(--position);text-decoration:none;white-space:pre;width:254.9pt">. The Group has taken into account the latest available</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.2pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:343.29pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:481.47pt">information at the reporting date in defining its base case scenario and generating alternative economic scenarios.</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.1600000000001pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:355.89pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:481.56pt">The scenarios include forecasts for key variables as at the second quarter of 2026. Actuals for this period, or</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.25pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:368.49pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:420.79pt">restatements of past data, may have since emerged prior to publication and have not been included.</span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);top:389.09pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:9pt;font-style:italic;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre">Scenarios by year</span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:402.89pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:481.56pt">The key UK economic assumptions made by the Group are shown in the following tables across a number of</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.25pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:415.49pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:113pt">measures explained below.</span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:436.09pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:84.06pt">Annual assumptions</span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:451.69pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:481.54pt">Gross domestic product (GDP) growth and Consumer Price Index (CPI) inflation are presented as an annual</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.23pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:464.29pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:481.48pt">change, house price growth and commercial real estate price growth are presented as the growth in the respective</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.1700000000001pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:476.89pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:373.6pt">indices over each year. Unemployment rate and UK Bank Rate are averages over the year.</span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:492.49pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:73.26pt">Five-year average</span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:508.09pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:481.51pt">The five-year average reflects the average annual growth rate, or level, over the five-year period. It includes</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.2pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:520.69pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:481.56pt">movements within the current reporting year, such that the position as of 30 June 2026 covers the five years 2026</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.25pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:533.29pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:481.51pt">to 2030. The inclusion of the reporting year within the five-year period reflects the need to predict variables which</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.2pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:545.89pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:481.46pt">remain unpublished at the reporting date and recognises that credit models utilise both level and annual changes.</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.15pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:558.49pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:404.65pt">The use of calendar years maintains a comparability between the annual assumptions presented.</span></div></div><div><div style="font-size:12pt;line-height:9pt;position:var(--position);top:56.69pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:9pt;font-style:normal;font-weight:bold;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre">NOTES TO THE CONDENSED CONSOLIDATED HALF-YEAR FINANCIAL STATEMENTS (UNAUDITED)</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:485.73pt;position:var(--position);text-decoration:none;white-space:pre"> (continued)</span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);top:75.49pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:9pt;font-style:normal;font-weight:bold;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre">Note 10: Allowance for expected credit losses</span><span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:9pt;font-style:normal;font-weight:bold;left:251.52pt;position:var(--position);text-decoration:none;white-space:pre"> </span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:253.59pt;position:var(--position);text-decoration:none;white-space:pre">(continued)</span></div><div style="position:var(--position);top:94.29pt;width:594.99pt"><div style="font-size:0pt;left:56.69pt;position:var(--position);width:481.5pt"><div><table style="border-collapse:collapse;display:inline-table;width:100%"><tbody><tr style="height:0"><td style="padding:0;width:180pt"></td><td style="padding:0;width:50.25pt"></td><td style="padding:0;width:50.25pt"></td><td style="padding:0;width:50.25pt"></td><td style="padding:0;width:50.25pt"></td><td style="padding:0;width:50.25pt"></td><td style="padding:0;width:50.25pt"></td></tr><tr style="height:41.25pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);width:180pt"><div><div style="font-size:12pt;line-height:8pt;position:var(--position);top:31.75pt;width:180pt"><span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">At 30 June </span><span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:43.99pt;position:var(--position);text-decoration:none;white-space:pre">2026</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:180pt;position:var(--position);width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:22.15pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:28.25pt;position:var(--position);text-decoration:none;white-space:pre">2026</span></div><div style="line-height:8pt;position:var(--position);top:31.75pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:41.12pt;position:var(--position);text-decoration:none;white-space:pre">%</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:230.25pt;position:var(--position);width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:22.15pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:28.99pt;position:var(--position);text-decoration:none;white-space:pre">2027</span></div><div style="line-height:8pt;position:var(--position);top:31.75pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:41.12pt;position:var(--position);text-decoration:none;white-space:pre">%</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:280.5pt;position:var(--position);width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:22.15pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:28.19pt;position:var(--position);text-decoration:none;white-space:pre">2028</span></div><div style="line-height:8pt;position:var(--position);top:31.75pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:41.12pt;position:var(--position);text-decoration:none;white-space:pre">%</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:330.75pt;position:var(--position);width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:22.15pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:28.25pt;position:var(--position);text-decoration:none;white-space:pre">2029</span></div><div style="line-height:8pt;position:var(--position);top:31.75pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:41.12pt;position:var(--position);text-decoration:none;white-space:pre">%</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:381pt;position:var(--position);width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:22.15pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:27.75pt;position:var(--position);text-decoration:none;white-space:pre">2030</span></div><div style="line-height:8pt;position:var(--position);top:31.75pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:41.12pt;position:var(--position);text-decoration:none;white-space:pre">%</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.95pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:28.25pt;position:var(--position);text-decoration:none;white-space:pre">2026</span></div><div style="line-height:8pt;position:var(--position);top:12.55pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:17.47pt;position:var(--position);text-decoration:none;white-space:pre">to 2030 </span></div><div style="line-height:8pt;position:var(--position);top:22.15pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:18.37pt;position:var(--position);text-decoration:none;white-space:pre">average</span></div><div style="line-height:8pt;position:var(--position);top:31.75pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:41.12pt;position:var(--position);text-decoration:none;white-space:pre">%</span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:53.25pt;width:180pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:180pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Upside</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:65.25pt;width:180pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:180pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Gross domestic product growth</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:180pt;position:var(--position);top:65.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:36.3pt;position:var(--position)"></span><span style="left:36.3pt;position:var(--position)">1.4<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:230.25pt;position:var(--position);top:65.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:34.66pt;position:var(--position)"></span><span style="left:34.66pt;position:var(--position)">2.4<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:280.5pt;position:var(--position);top:65.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:36.44pt;position:var(--position)"></span><span style="left:36.44pt;position:var(--position)">1.9<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:330.75pt;position:var(--position);top:65.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:36.44pt;position:var(--position)"></span><span style="left:36.44pt;position:var(--position)">1.6<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:381pt;position:var(--position);top:65.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:36.44pt;position:var(--position)"></span><span style="left:36.44pt;position:var(--position)">1.6<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:65.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:36.38pt;position:var(--position)"></span><span style="left:36.38pt;position:var(--position)">1.8<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:77.25pt;width:180pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:180pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Unemployment rate</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:180pt;position:var(--position);top:77.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:34.16pt;position:var(--position)"></span><span style="left:34.16pt;position:var(--position)">4.8<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:230.25pt;position:var(--position);top:77.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:35.37pt;position:var(--position)"></span><span style="left:35.37pt;position:var(--position)">3.7<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:280.5pt;position:var(--position);top:77.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:36.71pt;position:var(--position)"></span><span style="left:36.71pt;position:var(--position)">3.1<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:330.75pt;position:var(--position);top:77.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:36.71pt;position:var(--position)"></span><span style="left:36.71pt;position:var(--position)">3.1<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:381pt;position:var(--position);top:77.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:34.9pt;position:var(--position)"></span><span style="left:34.9pt;position:var(--position)">3.3<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:77.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:34.63pt;position:var(--position)"></span><span style="left:34.63pt;position:var(--position)">3.6<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:89.25pt;width:180pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:180pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">House price growth</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:180pt;position:var(--position);top:89.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:36.38pt;position:var(--position)"></span><span style="left:36.38pt;position:var(--position)">1.8<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:230.25pt;position:var(--position);top:89.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:34.57pt;position:var(--position)"></span><span style="left:34.57pt;position:var(--position)">4.5<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:280.5pt;position:var(--position);top:89.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:35.84pt;position:var(--position)"></span><span style="left:35.84pt;position:var(--position)">7.7<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:330.75pt;position:var(--position);top:89.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:35.45pt;position:var(--position)"></span><span style="left:35.45pt;position:var(--position)">7.5<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:381pt;position:var(--position);top:89.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:34.03pt;position:var(--position)"></span><span style="left:34.03pt;position:var(--position)">6.0<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:89.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:35.06pt;position:var(--position)"></span><span style="left:35.06pt;position:var(--position)">5.5<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:101.25pt;width:180pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:180pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Commercial real estate price growth</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:180pt;position:var(--position);top:101.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:34.9pt;position:var(--position)"></span><span style="left:34.9pt;position:var(--position)">3.3<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:230.25pt;position:var(--position);top:101.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:34.36pt;position:var(--position)"></span><span style="left:34.36pt;position:var(--position)">6.6<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:280.5pt;position:var(--position);top:101.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:36.71pt;position:var(--position)"></span><span style="left:36.71pt;position:var(--position)">3.1<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:330.75pt;position:var(--position);top:101.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:34.47pt;position:var(--position)"></span><span style="left:34.47pt;position:var(--position)">2.0<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:381pt;position:var(--position);top:101.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:34.77pt;position:var(--position)"></span><span style="left:34.77pt;position:var(--position)">0.7<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:101.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:36.71pt;position:var(--position)"></span><span style="left:36.71pt;position:var(--position)">3.1<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:113.25pt;width:180pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:180pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">UK Bank Rate</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:180pt;position:var(--position);top:113.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:29.94pt;position:var(--position)"></span><span style="left:29.94pt;position:var(--position)">3.85<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:230.25pt;position:var(--position);top:113.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:29.98pt;position:var(--position)"></span><span style="left:29.98pt;position:var(--position)">4.79<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:280.5pt;position:var(--position);top:113.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:31.81pt;position:var(--position)"></span><span style="left:31.81pt;position:var(--position)">5.19<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:330.75pt;position:var(--position);top:113.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:29.59pt;position:var(--position)"></span><span style="left:29.59pt;position:var(--position)">5.46<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:381pt;position:var(--position);top:113.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:30.08pt;position:var(--position)"></span><span style="left:30.08pt;position:var(--position)">5.65<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:113.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:29.24pt;position:var(--position)"></span><span style="left:29.24pt;position:var(--position)">4.99<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:125.25pt;width:180pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:180pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">CPI inflation</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:180pt;position:var(--position);top:125.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:36.71pt;position:var(--position)"></span><span style="left:36.71pt;position:var(--position)">3.1<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:230.25pt;position:var(--position);top:125.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:35.15pt;position:var(--position)"></span><span style="left:35.15pt;position:var(--position)">2.5<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:280.5pt;position:var(--position);top:125.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:35.24pt;position:var(--position)"></span><span style="left:35.24pt;position:var(--position)">2.2<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:330.75pt;position:var(--position);top:125.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:35.54pt;position:var(--position)"></span><span style="left:35.54pt;position:var(--position)">2.7<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:381pt;position:var(--position);top:125.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:34.3pt;position:var(--position)"></span><span style="left:34.3pt;position:var(--position)">3.0<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:125.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:35.54pt;position:var(--position)"></span><span style="left:35.54pt;position:var(--position)">2.7<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:149.25pt;width:180pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:180pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Base case</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:161.25pt;width:180pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:180pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Gross domestic product growth</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:180pt;position:var(--position);top:161.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:36.11pt;position:var(--position)"></span><span style="left:36.11pt;position:var(--position)">1.0<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:230.25pt;position:var(--position);top:161.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:36.11pt;position:var(--position)"></span><span style="left:36.11pt;position:var(--position)">1.0<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:280.5pt;position:var(--position);top:161.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:36.79pt;position:var(--position)"></span><span style="left:36.79pt;position:var(--position)">1.5<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:330.75pt;position:var(--position);top:161.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:36.44pt;position:var(--position)"></span><span style="left:36.44pt;position:var(--position)">1.6<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:381pt;position:var(--position);top:161.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:36.44pt;position:var(--position)"></span><span style="left:36.44pt;position:var(--position)">1.6<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:161.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:36.3pt;position:var(--position)"></span><span style="left:36.3pt;position:var(--position)">1.4<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:173.25pt;width:180pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:180pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Unemployment rate</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:180pt;position:var(--position);top:173.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:35.15pt;position:var(--position)"></span><span style="left:35.15pt;position:var(--position)">5.2<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:230.25pt;position:var(--position);top:173.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:34.57pt;position:var(--position)"></span><span style="left:34.57pt;position:var(--position)">5.4<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:280.5pt;position:var(--position);top:173.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:34.38pt;position:var(--position)"></span><span style="left:34.38pt;position:var(--position)">5.0<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:330.75pt;position:var(--position);top:173.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:34.96pt;position:var(--position)"></span><span style="left:34.96pt;position:var(--position)">4.7<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:381pt;position:var(--position);top:173.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:34.96pt;position:var(--position)"></span><span style="left:34.96pt;position:var(--position)">4.7<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:173.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:34.38pt;position:var(--position)"></span><span style="left:34.38pt;position:var(--position)">5.0<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:185.25pt;width:180pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:180pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">House price growth</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:180pt;position:var(--position);top:185.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:34.03pt;position:var(--position)"></span><span style="left:34.03pt;position:var(--position)">0.9<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:230.25pt;position:var(--position);top:185.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:36.88pt;position:var(--position)"></span><span style="left:36.88pt;position:var(--position)">1.2<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:280.5pt;position:var(--position);top:185.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:34.47pt;position:var(--position)"></span><span style="left:34.47pt;position:var(--position)">2.0<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:330.75pt;position:var(--position);top:185.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:34.49pt;position:var(--position)"></span><span style="left:34.49pt;position:var(--position)">3.4<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:381pt;position:var(--position);top:185.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:34.49pt;position:var(--position)"></span><span style="left:34.49pt;position:var(--position)">3.4<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:185.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:35.24pt;position:var(--position)"></span><span style="left:35.24pt;position:var(--position)">2.2<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:197.25pt;width:180pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:180pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Commercial real estate price growth</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:180pt;position:var(--position);top:197.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:31.27pt;position:var(--position)"></span><span style="left:31.27pt;position:var(--position)">(0.3)</span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:230.25pt;position:var(--position);top:197.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:33.7pt;position:var(--position)"></span><span style="left:33.7pt;position:var(--position)">0.0<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:280.5pt;position:var(--position);top:197.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:34.03pt;position:var(--position)"></span><span style="left:34.03pt;position:var(--position)">0.9<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:330.75pt;position:var(--position);top:197.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:33.97pt;position:var(--position)"></span><span style="left:33.97pt;position:var(--position)">0.8<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:381pt;position:var(--position);top:197.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:33.7pt;position:var(--position)"></span><span style="left:33.7pt;position:var(--position)">0.0<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:197.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:34.3pt;position:var(--position)"></span><span style="left:34.3pt;position:var(--position)">0.3<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:209.25pt;width:180pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:180pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">UK Bank Rate</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:180pt;position:var(--position);top:209.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:30.74pt;position:var(--position)"></span><span style="left:30.74pt;position:var(--position)">3.75<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:230.25pt;position:var(--position);top:209.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:29.92pt;position:var(--position)"></span><span style="left:29.92pt;position:var(--position)">3.63<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:280.5pt;position:var(--position);top:209.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:29.67pt;position:var(--position)"></span><span style="left:29.67pt;position:var(--position)">3.50<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:330.75pt;position:var(--position);top:209.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:29.67pt;position:var(--position)"></span><span style="left:29.67pt;position:var(--position)">3.50<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:381pt;position:var(--position);top:209.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:29.67pt;position:var(--position)"></span><span style="left:29.67pt;position:var(--position)">3.50<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:209.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:29.94pt;position:var(--position)"></span><span style="left:29.94pt;position:var(--position)">3.58<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:221.25pt;width:180pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:180pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">CPI inflation</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:180pt;position:var(--position);top:221.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:36.71pt;position:var(--position)"></span><span style="left:36.71pt;position:var(--position)">3.1<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:230.25pt;position:var(--position);top:221.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:34.66pt;position:var(--position)"></span><span style="left:34.66pt;position:var(--position)">2.4<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:280.5pt;position:var(--position);top:221.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:36.38pt;position:var(--position)"></span><span style="left:36.38pt;position:var(--position)">1.8<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:330.75pt;position:var(--position);top:221.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:36.38pt;position:var(--position)"></span><span style="left:36.38pt;position:var(--position)">1.8<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:381pt;position:var(--position);top:221.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:34.47pt;position:var(--position)"></span><span style="left:34.47pt;position:var(--position)">2.0<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:221.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:35.24pt;position:var(--position)"></span><span style="left:35.24pt;position:var(--position)">2.2<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:245.25pt;width:180pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:180pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Downside</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:257.25pt;width:180pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:180pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Gross domestic product growth</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:180pt;position:var(--position);top:257.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:34.03pt;position:var(--position)"></span><span style="left:34.03pt;position:var(--position)">0.6<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:230.25pt;position:var(--position);top:257.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:33.85pt;position:var(--position)"></span><span style="left:33.85pt;position:var(--position)">(1.2)</span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:280.5pt;position:var(--position);top:257.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:34.38pt;position:var(--position)"></span><span style="left:34.38pt;position:var(--position)">0.5<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:330.75pt;position:var(--position);top:257.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:36.3pt;position:var(--position)"></span><span style="left:36.3pt;position:var(--position)">1.4<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:381pt;position:var(--position);top:257.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:37.18pt;position:var(--position)"></span><span style="left:37.18pt;position:var(--position)">1.7<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:257.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:34.03pt;position:var(--position)"></span><span style="left:34.03pt;position:var(--position)">0.6<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:269.25pt;width:180pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:180pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Unemployment rate</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:180pt;position:var(--position);top:269.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:34.71pt;position:var(--position)"></span><span style="left:34.71pt;position:var(--position)">5.6<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:230.25pt;position:var(--position);top:269.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:35.45pt;position:var(--position)"></span><span style="left:35.45pt;position:var(--position)">7.5<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:280.5pt;position:var(--position);top:269.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:35.84pt;position:var(--position)"></span><span style="left:35.84pt;position:var(--position)">7.7<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:330.75pt;position:var(--position);top:269.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:35.37pt;position:var(--position)"></span><span style="left:35.37pt;position:var(--position)">7.3<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:381pt;position:var(--position);top:269.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:34.77pt;position:var(--position)"></span><span style="left:34.77pt;position:var(--position)">7.0<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:269.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:34.77pt;position:var(--position)"></span><span style="left:34.77pt;position:var(--position)">7.0<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:281.25pt;width:180pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:180pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">House price growth</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:180pt;position:var(--position);top:281.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:33.7pt;position:var(--position)"></span><span style="left:33.7pt;position:var(--position)">0.0<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:230.25pt;position:var(--position);top:281.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:31.63pt;position:var(--position)"></span><span style="left:31.63pt;position:var(--position)">(2.4)</span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:280.5pt;position:var(--position);top:281.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:31.54pt;position:var(--position)"></span><span style="left:31.54pt;position:var(--position)">(5.4)</span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:330.75pt;position:var(--position);top:281.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:32.04pt;position:var(--position)"></span><span style="left:32.04pt;position:var(--position)">(3.2)</span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:381pt;position:var(--position);top:281.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:33.68pt;position:var(--position)"></span><span style="left:33.68pt;position:var(--position)">(1.3)</span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:281.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:32.12pt;position:var(--position)"></span><span style="left:32.12pt;position:var(--position)">(2.5)</span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:293.25pt;width:180pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:180pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Commercial real estate price growth</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:180pt;position:var(--position);top:293.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:31.95pt;position:var(--position)"></span><span style="left:31.95pt;position:var(--position)">(3.5)</span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:230.25pt;position:var(--position);top:293.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:32.01pt;position:var(--position)"></span><span style="left:32.01pt;position:var(--position)">(8.7)</span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:280.5pt;position:var(--position);top:293.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:32.04pt;position:var(--position)"></span><span style="left:32.04pt;position:var(--position)">(3.2)</span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:330.75pt;position:var(--position);top:293.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:33.85pt;position:var(--position)"></span><span style="left:33.85pt;position:var(--position)">(2.1)</span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:381pt;position:var(--position);top:293.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:32.51pt;position:var(--position)"></span><span style="left:32.51pt;position:var(--position)">(2.7)</span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:293.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:30.86pt;position:var(--position)"></span><span style="left:30.86pt;position:var(--position)">(4.0)</span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:305.25pt;width:180pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:180pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">UK Bank Rate</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:180pt;position:var(--position);top:305.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:30pt;position:var(--position)"></span><span style="left:30pt;position:var(--position)">3.65<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:230.25pt;position:var(--position);top:305.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:29.35pt;position:var(--position)"></span><span style="left:29.35pt;position:var(--position)">2.04<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:280.5pt;position:var(--position);top:305.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:30.99pt;position:var(--position)"></span><span style="left:30.99pt;position:var(--position)">1.04<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:330.75pt;position:var(--position);top:305.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:31.87pt;position:var(--position)"></span><span style="left:31.87pt;position:var(--position)">0.71<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:381pt;position:var(--position);top:305.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:28.91pt;position:var(--position)"></span><span style="left:28.91pt;position:var(--position)">0.49<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:305.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:31.81pt;position:var(--position)"></span><span style="left:31.81pt;position:var(--position)">1.59<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:317.25pt;width:180pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:180pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">CPI inflation</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:180pt;position:var(--position);top:317.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:36.71pt;position:var(--position)"></span><span style="left:36.71pt;position:var(--position)">3.1<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:230.25pt;position:var(--position);top:317.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:35.07pt;position:var(--position)"></span><span style="left:35.07pt;position:var(--position)">2.3<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:280.5pt;position:var(--position);top:317.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:36.88pt;position:var(--position)"></span><span style="left:36.88pt;position:var(--position)">1.2<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:330.75pt;position:var(--position);top:317.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:34.77pt;position:var(--position)"></span><span style="left:34.77pt;position:var(--position)">0.7<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:381pt;position:var(--position);top:317.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:34.03pt;position:var(--position)"></span><span style="left:34.03pt;position:var(--position)">0.6<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:317.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:36.44pt;position:var(--position)"></span><span style="left:36.44pt;position:var(--position)">1.6<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:341.25pt;width:180pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:180pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Severe downside</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:353.25pt;width:180pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:180pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Gross domestic product growth</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:180pt;position:var(--position);top:353.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:36.11pt;position:var(--position)"></span><span style="left:36.11pt;position:var(--position)">0.1<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:230.25pt;position:var(--position);top:353.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:31.87pt;position:var(--position)"></span><span style="left:31.87pt;position:var(--position)">(3.3)</span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:280.5pt;position:var(--position);top:353.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:33.08pt;position:var(--position)"></span><span style="left:33.08pt;position:var(--position)">(0.1)</span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:330.75pt;position:var(--position);top:353.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:36.88pt;position:var(--position)"></span><span style="left:36.88pt;position:var(--position)">1.2<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:381pt;position:var(--position);top:353.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:36.79pt;position:var(--position)"></span><span style="left:36.79pt;position:var(--position)">1.5<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:353.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:33.08pt;position:var(--position)"></span><span style="left:33.08pt;position:var(--position)">(0.1)</span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:365.25pt;width:180pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:180pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Unemployment rate</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:180pt;position:var(--position);top:365.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:34.8pt;position:var(--position)"></span><span style="left:34.8pt;position:var(--position)">6.2<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:230.25pt;position:var(--position);top:365.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:33.21pt;position:var(--position)"></span><span style="left:33.21pt;position:var(--position)">10.1<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:280.5pt;position:var(--position);top:365.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:30.99pt;position:var(--position)"></span><span style="left:30.99pt;position:var(--position)">10.4<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:330.75pt;position:var(--position);top:365.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:34.3pt;position:var(--position)"></span><span style="left:34.3pt;position:var(--position)">9.8<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:381pt;position:var(--position);top:365.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:34.63pt;position:var(--position)"></span><span style="left:34.63pt;position:var(--position)">9.3<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:365.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:34.8pt;position:var(--position)"></span><span style="left:34.8pt;position:var(--position)">9.2<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:377.25pt;width:180pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:180pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">House price growth</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:180pt;position:var(--position);top:377.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:33.08pt;position:var(--position)"></span><span style="left:33.08pt;position:var(--position)">(1.0)</span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:230.25pt;position:var(--position);top:377.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:33.76pt;position:var(--position)"></span><span style="left:33.76pt;position:var(--position)">(5.1)</span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:280.5pt;position:var(--position);top:377.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:28.73pt;position:var(--position)"></span><span style="left:28.73pt;position:var(--position)">(12.4)</span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:330.75pt;position:var(--position);top:377.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:31.77pt;position:var(--position)"></span><span style="left:31.77pt;position:var(--position)">(9.2)</span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:381pt;position:var(--position);top:377.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:31pt;position:var(--position)"></span><span style="left:31pt;position:var(--position)">(6.0)</span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:377.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:31.27pt;position:var(--position)"></span><span style="left:31.27pt;position:var(--position)">(6.8)</span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:389.25pt;width:180pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:180pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Commercial real estate price growth</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:180pt;position:var(--position);top:389.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:31.27pt;position:var(--position)"></span><span style="left:31.27pt;position:var(--position)">(8.6)</span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:230.25pt;position:var(--position);top:389.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:29.11pt;position:var(--position)"></span><span style="left:29.11pt;position:var(--position)">(17.8)</span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:280.5pt;position:var(--position);top:389.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:32.01pt;position:var(--position)"></span><span style="left:32.01pt;position:var(--position)">(8.7)</span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:330.75pt;position:var(--position);top:389.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:31.68pt;position:var(--position)"></span><span style="left:31.68pt;position:var(--position)">(6.5)</span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:381pt;position:var(--position);top:389.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:33.41pt;position:var(--position)"></span><span style="left:33.41pt;position:var(--position)">(6.1)</span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:389.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:31.33pt;position:var(--position)"></span><span style="left:31.33pt;position:var(--position)">(9.6)</span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:401.25pt;width:180pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:180pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">UK Bank Rate</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:180pt;position:var(--position);top:401.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:29.51pt;position:var(--position)"></span><span style="left:29.51pt;position:var(--position)">3.49<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:230.25pt;position:var(--position);top:401.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:28.91pt;position:var(--position)"></span><span style="left:28.91pt;position:var(--position)">0.64<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:280.5pt;position:var(--position);top:401.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:29.46pt;position:var(--position)"></span><span style="left:29.46pt;position:var(--position)">0.07<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:330.75pt;position:var(--position);top:401.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:29.16pt;position:var(--position)"></span><span style="left:29.16pt;position:var(--position)">0.02<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:381pt;position:var(--position);top:401.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:30.8pt;position:var(--position)"></span><span style="left:30.8pt;position:var(--position)">0.01<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:401.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:29.34pt;position:var(--position)"></span><span style="left:29.34pt;position:var(--position)">0.85<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:413.25pt;width:180pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:180pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">CPI inflation</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:180pt;position:var(--position);top:413.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:36.71pt;position:var(--position)"></span><span style="left:36.71pt;position:var(--position)">3.1<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:230.25pt;position:var(--position);top:413.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:35.24pt;position:var(--position)"></span><span style="left:35.24pt;position:var(--position)">2.2<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:280.5pt;position:var(--position);top:413.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:34.03pt;position:var(--position)"></span><span style="left:34.03pt;position:var(--position)">0.6<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:330.75pt;position:var(--position);top:413.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:31.35pt;position:var(--position)"></span><span style="left:31.35pt;position:var(--position)">(0.5)</span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:381pt;position:var(--position);top:413.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:33.08pt;position:var(--position)"></span><span style="left:33.08pt;position:var(--position)">(1.0)</span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:413.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:34.03pt;position:var(--position)"></span><span style="left:34.03pt;position:var(--position)">0.9<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:437.25pt;width:180pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:180pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Probability-weighted</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:449.25pt;width:180pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:180pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Gross domestic product growth</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:180pt;position:var(--position);top:449.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:34.03pt;position:var(--position)"></span><span style="left:34.03pt;position:var(--position)">0.9<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:230.25pt;position:var(--position);top:449.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:33.89pt;position:var(--position)"></span><span style="left:33.89pt;position:var(--position)">0.4<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:280.5pt;position:var(--position);top:449.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:38.52pt;position:var(--position)"></span><span style="left:38.52pt;position:var(--position)">1.1<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:330.75pt;position:var(--position);top:449.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:36.79pt;position:var(--position)"></span><span style="left:36.79pt;position:var(--position)">1.5<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:381pt;position:var(--position);top:449.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:36.44pt;position:var(--position)"></span><span style="left:36.44pt;position:var(--position)">1.6<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:449.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:38.52pt;position:var(--position)"></span><span style="left:38.52pt;position:var(--position)">1.1<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:461.25pt;width:180pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:180pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Unemployment rate</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:180pt;position:var(--position);top:461.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:34.98pt;position:var(--position)"></span><span style="left:34.98pt;position:var(--position)">5.3<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:230.25pt;position:var(--position);top:461.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:34.03pt;position:var(--position)"></span><span style="left:34.03pt;position:var(--position)">6.0<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:280.5pt;position:var(--position);top:461.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:34.65pt;position:var(--position)"></span><span style="left:34.65pt;position:var(--position)">5.8<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:330.75pt;position:var(--position);top:461.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:35.06pt;position:var(--position)"></span><span style="left:35.06pt;position:var(--position)">5.5<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:381pt;position:var(--position);top:461.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:34.57pt;position:var(--position)"></span><span style="left:34.57pt;position:var(--position)">5.4<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:461.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:34.71pt;position:var(--position)"></span><span style="left:34.71pt;position:var(--position)">5.6<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:473.25pt;width:180pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:180pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">House price growth</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:180pt;position:var(--position);top:473.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:34.77pt;position:var(--position)"></span><span style="left:34.77pt;position:var(--position)">0.7<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:230.25pt;position:var(--position);top:473.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:34.38pt;position:var(--position)"></span><span style="left:34.38pt;position:var(--position)">0.5<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:280.5pt;position:var(--position);top:473.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:33.7pt;position:var(--position)"></span><span style="left:33.7pt;position:var(--position)">0.0<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:330.75pt;position:var(--position);top:473.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:36.3pt;position:var(--position)"></span><span style="left:36.3pt;position:var(--position)">1.4<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:381pt;position:var(--position);top:473.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:36.38pt;position:var(--position)"></span><span style="left:36.38pt;position:var(--position)">1.8<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:473.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:34.03pt;position:var(--position)"></span><span style="left:34.03pt;position:var(--position)">0.9<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:485.25pt;width:180pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:180pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Commercial real estate price growth</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:180pt;position:var(--position);top:485.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:33.08pt;position:var(--position)"></span><span style="left:33.08pt;position:var(--position)">(1.0)</span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:230.25pt;position:var(--position);top:485.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:31.63pt;position:var(--position)"></span><span style="left:31.63pt;position:var(--position)">(2.4)</span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:280.5pt;position:var(--position);top:485.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:31pt;position:var(--position)"></span><span style="left:31pt;position:var(--position)">(0.6)</span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:330.75pt;position:var(--position);top:485.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:30.86pt;position:var(--position)"></span><span style="left:30.86pt;position:var(--position)">(0.4)</span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:381pt;position:var(--position);top:485.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:33.85pt;position:var(--position)"></span><span style="left:33.85pt;position:var(--position)">(1.2)</span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:485.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:35.49pt;position:var(--position)"></span><span style="left:35.49pt;position:var(--position)">(1.1)</span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:497.25pt;width:180pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:180pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">UK Bank Rate</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:180pt;position:var(--position);top:497.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:30.83pt;position:var(--position)"></span><span style="left:30.83pt;position:var(--position)">3.72<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:230.25pt;position:var(--position);top:497.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:29.76pt;position:var(--position)"></span><span style="left:29.76pt;position:var(--position)">3.20<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:280.5pt;position:var(--position);top:497.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:30.09pt;position:var(--position)"></span><span style="left:30.09pt;position:var(--position)">2.93<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:330.75pt;position:var(--position);top:497.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:29.49pt;position:var(--position)"></span><span style="left:29.49pt;position:var(--position)">2.90<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:381pt;position:var(--position);top:497.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:29.76pt;position:var(--position)"></span><span style="left:29.76pt;position:var(--position)">2.89<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:497.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:32pt;position:var(--position)"></span><span style="left:32pt;position:var(--position)">3.13<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:509.25pt;width:180pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:180pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">CPI inflation</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:180pt;position:var(--position);top:509.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:36.71pt;position:var(--position)"></span><span style="left:36.71pt;position:var(--position)">3.1<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:230.25pt;position:var(--position);top:509.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:35.07pt;position:var(--position)"></span><span style="left:35.07pt;position:var(--position)">2.3<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:280.5pt;position:var(--position);top:509.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:36.44pt;position:var(--position)"></span><span style="left:36.44pt;position:var(--position)">1.6<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:330.75pt;position:var(--position);top:509.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:36.79pt;position:var(--position)"></span><span style="left:36.79pt;position:var(--position)">1.5<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:381pt;position:var(--position);top:509.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:36.44pt;position:var(--position)"></span><span style="left:36.44pt;position:var(--position)">1.6<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:509.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:34.47pt;position:var(--position)"></span><span style="left:34.47pt;position:var(--position)">2.0<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td></tr></tbody></table></div></div></div></div><div><div style="font-size:12pt;line-height:9pt;position:var(--position);top:56.69pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:9pt;font-style:normal;font-weight:bold;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre">NOTES TO THE CONDENSED CONSOLIDATED HALF-YEAR FINANCIAL STATEMENTS (UNAUDITED)</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:485.73pt;position:var(--position);text-decoration:none;white-space:pre"> (continued)</span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);top:75.49pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:9pt;font-style:normal;font-weight:bold;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre">Note 10: Allowance for expected credit losses</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:251.52pt;position:var(--position);text-decoration:none;white-space:pre"> (continued)</span></div><div style="position:var(--position);top:94.29pt;width:594.99pt"><div style="font-size:0pt;left:56.69pt;position:var(--position);width:481.5pt"><div><table style="border-collapse:collapse;display:inline-table;width:100%"><tbody><tr style="height:0"><td style="padding:0;width:180pt"></td><td style="padding:0;width:50.25pt"></td><td style="padding:0;width:50.25pt"></td><td style="padding:0;width:50.25pt"></td><td style="padding:0;width:50.25pt"></td><td style="padding:0;width:50.25pt"></td><td style="padding:0;width:50.25pt"></td></tr><tr style="height:41.25pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);width:180pt"><div><div style="font-size:12pt;line-height:8pt;position:var(--position);top:31.75pt;width:180pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">At 31 December </span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:63.64pt;position:var(--position);text-decoration:none;white-space:pre">2025</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:180pt;position:var(--position);width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:22.15pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:28.79pt;position:var(--position);text-decoration:none;white-space:pre">2025</span></div><div style="line-height:8pt;position:var(--position);top:31.75pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:41.12pt;position:var(--position);text-decoration:none;white-space:pre">%</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:230.25pt;position:var(--position);width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:22.15pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:28.47pt;position:var(--position);text-decoration:none;white-space:pre">2026</span></div><div style="line-height:8pt;position:var(--position);top:31.75pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:41.12pt;position:var(--position);text-decoration:none;white-space:pre">%</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:280.5pt;position:var(--position);width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:22.15pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:29.21pt;position:var(--position);text-decoration:none;white-space:pre">2027</span></div><div style="line-height:8pt;position:var(--position);top:31.75pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:41.12pt;position:var(--position);text-decoration:none;white-space:pre">%</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:330.75pt;position:var(--position);width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:22.15pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:28.38pt;position:var(--position);text-decoration:none;white-space:pre">2028</span></div><div style="line-height:8pt;position:var(--position);top:31.75pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:41.12pt;position:var(--position);text-decoration:none;white-space:pre">%</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:381pt;position:var(--position);width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:22.15pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:28.47pt;position:var(--position);text-decoration:none;white-space:pre">2029</span></div><div style="line-height:8pt;position:var(--position);top:31.75pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:41.12pt;position:var(--position);text-decoration:none;white-space:pre">%</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.95pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:28.79pt;position:var(--position);text-decoration:none;white-space:pre">2025</span></div><div style="line-height:8pt;position:var(--position);top:12.55pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:18.23pt;position:var(--position);text-decoration:none;white-space:pre">to 2029 </span></div><div style="line-height:8pt;position:var(--position);top:22.15pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:18.62pt;position:var(--position);text-decoration:none;white-space:pre">average</span></div><div style="line-height:8pt;position:var(--position);top:31.75pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:41.12pt;position:var(--position);text-decoration:none;white-space:pre">%</span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:53.25pt;width:180pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:180pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Upside</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:65.25pt;width:180pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:180pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Gross domestic product growth</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:180pt;position:var(--position);top:65.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:36.51pt;position:var(--position)"></span><span style="left:36.51pt;position:var(--position)">1.4<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:230.25pt;position:var(--position);top:65.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:34.68pt;position:var(--position)"></span><span style="left:34.68pt;position:var(--position)">2.0<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:280.5pt;position:var(--position);top:65.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:35.25pt;position:var(--position)"></span><span style="left:35.25pt;position:var(--position)">2.3<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:330.75pt;position:var(--position);top:65.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:36.68pt;position:var(--position)"></span><span style="left:36.68pt;position:var(--position)">1.6<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:381pt;position:var(--position);top:65.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:36.68pt;position:var(--position)"></span><span style="left:36.68pt;position:var(--position)">1.6<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:65.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:36.59pt;position:var(--position)"></span><span style="left:36.59pt;position:var(--position)">1.8<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:77.25pt;width:180pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:180pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Unemployment rate</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:180pt;position:var(--position);top:77.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:34.32pt;position:var(--position)"></span><span style="left:34.32pt;position:var(--position)">4.8<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:230.25pt;position:var(--position);top:77.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:34.84pt;position:var(--position)"></span><span style="left:34.84pt;position:var(--position)">4.2<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:280.5pt;position:var(--position);top:77.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:35.25pt;position:var(--position)"></span><span style="left:35.25pt;position:var(--position)">3.2<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:330.75pt;position:var(--position);top:77.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:36.92pt;position:var(--position)"></span><span style="left:36.92pt;position:var(--position)">3.1<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:381pt;position:var(--position);top:77.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:35.25pt;position:var(--position)"></span><span style="left:35.25pt;position:var(--position)">3.2<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:77.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:35.56pt;position:var(--position)"></span><span style="left:35.56pt;position:var(--position)">3.7<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:89.25pt;width:180pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:180pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">House price growth</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:180pt;position:var(--position);top:89.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:34.16pt;position:var(--position)"></span><span style="left:34.16pt;position:var(--position)">0.8<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:230.25pt;position:var(--position);top:89.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:35.14pt;position:var(--position)"></span><span style="left:35.14pt;position:var(--position)">3.5<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:280.5pt;position:var(--position);top:89.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:37.42pt;position:var(--position)"></span><span style="left:37.42pt;position:var(--position)">7.1<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:330.75pt;position:var(--position);top:89.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:34.58pt;position:var(--position)"></span><span style="left:34.58pt;position:var(--position)">6.9<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:381pt;position:var(--position);top:89.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:34.25pt;position:var(--position)"></span><span style="left:34.25pt;position:var(--position)">6.0<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:89.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:34.32pt;position:var(--position)"></span><span style="left:34.32pt;position:var(--position)">4.8<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:101.25pt;width:180pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:180pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Commercial real estate price growth</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:180pt;position:var(--position);top:101.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:37.11pt;position:var(--position)"></span><span style="left:37.11pt;position:var(--position)">1.2<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:230.25pt;position:var(--position);top:101.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:35.32pt;position:var(--position)"></span><span style="left:35.32pt;position:var(--position)">7.9<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:280.5pt;position:var(--position);top:101.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:34.41pt;position:var(--position)"></span><span style="left:34.41pt;position:var(--position)">4.9<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:330.75pt;position:var(--position);top:101.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:37.42pt;position:var(--position)"></span><span style="left:37.42pt;position:var(--position)">1.7<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:381pt;position:var(--position);top:101.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:34.16pt;position:var(--position)"></span><span style="left:34.16pt;position:var(--position)">0.8<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:101.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:35.25pt;position:var(--position)"></span><span style="left:35.25pt;position:var(--position)">3.2<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:113.25pt;width:180pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:180pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">UK Bank Rate</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:180pt;position:var(--position);top:113.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:31.83pt;position:var(--position)"></span><span style="left:31.83pt;position:var(--position)">4.13<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:230.25pt;position:var(--position);top:113.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:29.73pt;position:var(--position)"></span><span style="left:29.73pt;position:var(--position)">3.94<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:280.5pt;position:var(--position);top:113.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:29.81pt;position:var(--position)"></span><span style="left:29.81pt;position:var(--position)">4.59<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:330.75pt;position:var(--position);top:113.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:30.39pt;position:var(--position)"></span><span style="left:30.39pt;position:var(--position)">5.07<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:381pt;position:var(--position);top:113.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:30.46pt;position:var(--position)"></span><span style="left:30.46pt;position:var(--position)">5.33<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:113.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:31.59pt;position:var(--position)"></span><span style="left:31.59pt;position:var(--position)">4.61<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:125.25pt;width:180pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:180pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">CPI inflation</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:180pt;position:var(--position);top:125.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:34.65pt;position:var(--position)"></span><span style="left:34.65pt;position:var(--position)">3.4<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:230.25pt;position:var(--position);top:125.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:35.01pt;position:var(--position)"></span><span style="left:35.01pt;position:var(--position)">2.6<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:280.5pt;position:var(--position);top:125.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:34.84pt;position:var(--position)"></span><span style="left:34.84pt;position:var(--position)">2.4<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:330.75pt;position:var(--position);top:125.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:34.92pt;position:var(--position)"></span><span style="left:34.92pt;position:var(--position)">2.8<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:381pt;position:var(--position);top:125.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:36.92pt;position:var(--position)"></span><span style="left:36.92pt;position:var(--position)">3.1<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:125.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:35.01pt;position:var(--position)"></span><span style="left:35.01pt;position:var(--position)">2.9<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:149.25pt;width:180pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:180pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Base case</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:161.25pt;width:180pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:180pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Gross domestic product growth</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:180pt;position:var(--position);top:161.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:36.51pt;position:var(--position)"></span><span style="left:36.51pt;position:var(--position)">1.4<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:230.25pt;position:var(--position);top:161.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:37.11pt;position:var(--position)"></span><span style="left:37.11pt;position:var(--position)">1.2<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:280.5pt;position:var(--position);top:161.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:36.51pt;position:var(--position)"></span><span style="left:36.51pt;position:var(--position)">1.4<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:330.75pt;position:var(--position);top:161.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:37pt;position:var(--position)"></span><span style="left:37pt;position:var(--position)">1.5<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:381pt;position:var(--position);top:161.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:36.68pt;position:var(--position)"></span><span style="left:36.68pt;position:var(--position)">1.6<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:161.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:36.51pt;position:var(--position)"></span><span style="left:36.51pt;position:var(--position)">1.4<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:173.25pt;width:180pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:180pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Unemployment rate</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:180pt;position:var(--position);top:173.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:34.32pt;position:var(--position)"></span><span style="left:34.32pt;position:var(--position)">4.8<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:230.25pt;position:var(--position);top:173.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:35.33pt;position:var(--position)"></span><span style="left:35.33pt;position:var(--position)">5.2<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:280.5pt;position:var(--position);top:173.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:34.32pt;position:var(--position)"></span><span style="left:34.32pt;position:var(--position)">4.8<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:330.75pt;position:var(--position);top:173.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:34.41pt;position:var(--position)"></span><span style="left:34.41pt;position:var(--position)">4.6<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:381pt;position:var(--position);top:173.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:34.73pt;position:var(--position)"></span><span style="left:34.73pt;position:var(--position)">4.5<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:173.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:34.32pt;position:var(--position)"></span><span style="left:34.32pt;position:var(--position)">4.8<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:185.25pt;width:180pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:180pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">House price growth</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:180pt;position:var(--position);top:185.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:34.16pt;position:var(--position)"></span><span style="left:34.16pt;position:var(--position)">0.8<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:230.25pt;position:var(--position);top:185.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:36.68pt;position:var(--position)"></span><span style="left:36.68pt;position:var(--position)">1.6<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:280.5pt;position:var(--position);top:185.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:36.68pt;position:var(--position)"></span><span style="left:36.68pt;position:var(--position)">1.9<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:330.75pt;position:var(--position);top:185.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:35.44pt;position:var(--position)"></span><span style="left:35.44pt;position:var(--position)">2.2<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:381pt;position:var(--position);top:185.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:36.92pt;position:var(--position)"></span><span style="left:36.92pt;position:var(--position)">3.1<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:185.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:36.68pt;position:var(--position)"></span><span style="left:36.68pt;position:var(--position)">1.9<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:197.25pt;width:180pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:180pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Commercial real estate price growth</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:180pt;position:var(--position);top:197.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:37.11pt;position:var(--position)"></span><span style="left:37.11pt;position:var(--position)">1.2<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:230.25pt;position:var(--position);top:197.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:34.25pt;position:var(--position)"></span><span style="left:34.25pt;position:var(--position)">0.6<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:280.5pt;position:var(--position);top:197.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:37.42pt;position:var(--position)"></span><span style="left:37.42pt;position:var(--position)">1.7<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:330.75pt;position:var(--position);top:197.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:34.57pt;position:var(--position)"></span><span style="left:34.57pt;position:var(--position)">0.5<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:381pt;position:var(--position);top:197.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:34.68pt;position:var(--position)"></span><span style="left:34.68pt;position:var(--position)">0.2<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:197.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:34.25pt;position:var(--position)"></span><span style="left:34.25pt;position:var(--position)">0.9<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:209.25pt;width:180pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:180pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">UK Bank Rate</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:180pt;position:var(--position);top:209.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:31.83pt;position:var(--position)"></span><span style="left:31.83pt;position:var(--position)">4.13<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:230.25pt;position:var(--position);top:209.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:29.56pt;position:var(--position)"></span><span style="left:29.56pt;position:var(--position)">3.44<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:280.5pt;position:var(--position);top:209.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:30.65pt;position:var(--position)"></span><span style="left:30.65pt;position:var(--position)">3.25<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:330.75pt;position:var(--position);top:209.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:29.56pt;position:var(--position)"></span><span style="left:29.56pt;position:var(--position)">3.44<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:381pt;position:var(--position);top:209.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:29.89pt;position:var(--position)"></span><span style="left:29.89pt;position:var(--position)">3.50<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:209.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:30.54pt;position:var(--position)"></span><span style="left:30.54pt;position:var(--position)">3.55<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:221.25pt;width:180pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:180pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">CPI inflation</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:180pt;position:var(--position);top:221.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:34.65pt;position:var(--position)"></span><span style="left:34.65pt;position:var(--position)">3.4<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:230.25pt;position:var(--position);top:221.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:35.01pt;position:var(--position)"></span><span style="left:35.01pt;position:var(--position)">2.6<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:280.5pt;position:var(--position);top:221.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:35.44pt;position:var(--position)"></span><span style="left:35.44pt;position:var(--position)">2.2<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:330.75pt;position:var(--position);top:221.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:35.44pt;position:var(--position)"></span><span style="left:35.44pt;position:var(--position)">2.2<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:381pt;position:var(--position);top:221.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:35.25pt;position:var(--position)"></span><span style="left:35.25pt;position:var(--position)">2.3<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:221.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:35.01pt;position:var(--position)"></span><span style="left:35.01pt;position:var(--position)">2.6<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:245.25pt;width:180pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:180pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Downside</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:257.25pt;width:180pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:180pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Gross domestic product growth</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:180pt;position:var(--position);top:257.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:36.51pt;position:var(--position)"></span><span style="left:36.51pt;position:var(--position)">1.4<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:230.25pt;position:var(--position);top:257.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:31.53pt;position:var(--position)"></span><span style="left:31.53pt;position:var(--position)">(0.3)</span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:280.5pt;position:var(--position);top:257.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:31.61pt;position:var(--position)"></span><span style="left:31.61pt;position:var(--position)">(0.5)</span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:330.75pt;position:var(--position);top:257.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:38.78pt;position:var(--position)"></span><span style="left:38.78pt;position:var(--position)">1.1<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:381pt;position:var(--position);top:257.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:36.68pt;position:var(--position)"></span><span style="left:36.68pt;position:var(--position)">1.6<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:257.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:34.99pt;position:var(--position)"></span><span style="left:34.99pt;position:var(--position)">0.7<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:269.25pt;width:180pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:180pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Unemployment rate</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:180pt;position:var(--position);top:269.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:34.32pt;position:var(--position)"></span><span style="left:34.32pt;position:var(--position)">4.8<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:230.25pt;position:var(--position);top:269.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:34.58pt;position:var(--position)"></span><span style="left:34.58pt;position:var(--position)">6.6<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:280.5pt;position:var(--position);top:269.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:35.64pt;position:var(--position)"></span><span style="left:35.64pt;position:var(--position)">7.5<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:330.75pt;position:var(--position);top:269.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:35.15pt;position:var(--position)"></span><span style="left:35.15pt;position:var(--position)">7.4<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:381pt;position:var(--position);top:269.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:34.99pt;position:var(--position)"></span><span style="left:34.99pt;position:var(--position)">7.0<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:269.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:35.32pt;position:var(--position)"></span><span style="left:35.32pt;position:var(--position)">6.7<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:281.25pt;width:180pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:180pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">House price growth</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:180pt;position:var(--position);top:281.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:34.16pt;position:var(--position)"></span><span style="left:34.16pt;position:var(--position)">0.8<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:230.25pt;position:var(--position);top:281.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:31.72pt;position:var(--position)"></span><span style="left:31.72pt;position:var(--position)">(0.2)</span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:280.5pt;position:var(--position);top:281.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:32.19pt;position:var(--position)"></span><span style="left:32.19pt;position:var(--position)">(4.7)</span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:330.75pt;position:var(--position);top:281.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:32.68pt;position:var(--position)"></span><span style="left:32.68pt;position:var(--position)">(5.7)</span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:381pt;position:var(--position);top:281.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:31.96pt;position:var(--position)"></span><span style="left:31.96pt;position:var(--position)">(2.8)</span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:281.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:32.05pt;position:var(--position)"></span><span style="left:32.05pt;position:var(--position)">(2.6)</span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:293.25pt;width:180pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:180pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Commercial real estate price growth</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:180pt;position:var(--position);top:293.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:37.11pt;position:var(--position)"></span><span style="left:37.11pt;position:var(--position)">1.2<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:230.25pt;position:var(--position);top:293.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:34.46pt;position:var(--position)"></span><span style="left:34.46pt;position:var(--position)">(7.1)</span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:280.5pt;position:var(--position);top:293.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:31.88pt;position:var(--position)"></span><span style="left:31.88pt;position:var(--position)">(4.2)</span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:330.75pt;position:var(--position);top:293.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:32.79pt;position:var(--position)"></span><span style="left:32.79pt;position:var(--position)">(2.7)</span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:381pt;position:var(--position);top:293.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:32.29pt;position:var(--position)"></span><span style="left:32.29pt;position:var(--position)">(2.3)</span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:293.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:33.96pt;position:var(--position)"></span><span style="left:33.96pt;position:var(--position)">(3.1)</span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:305.25pt;width:180pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:180pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">UK Bank Rate</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:180pt;position:var(--position);top:305.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:31.83pt;position:var(--position)"></span><span style="left:31.83pt;position:var(--position)">4.13<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:230.25pt;position:var(--position);top:305.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:30.66pt;position:var(--position)"></span><span style="left:30.66pt;position:var(--position)">2.74<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:280.5pt;position:var(--position);top:305.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:31.43pt;position:var(--position)"></span><span style="left:31.43pt;position:var(--position)">1.09<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:330.75pt;position:var(--position);top:305.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:30.39pt;position:var(--position)"></span><span style="left:30.39pt;position:var(--position)">0.75<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:381pt;position:var(--position);top:305.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:30.08pt;position:var(--position)"></span><span style="left:30.08pt;position:var(--position)">0.52<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:305.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:31.99pt;position:var(--position)"></span><span style="left:31.99pt;position:var(--position)">1.85<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:317.25pt;width:180pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:180pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">CPI inflation</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:180pt;position:var(--position);top:317.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:34.65pt;position:var(--position)"></span><span style="left:34.65pt;position:var(--position)">3.4<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:230.25pt;position:var(--position);top:317.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:35.01pt;position:var(--position)"></span><span style="left:35.01pt;position:var(--position)">2.6<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:280.5pt;position:var(--position);top:317.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:34.68pt;position:var(--position)"></span><span style="left:34.68pt;position:var(--position)">2.0<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:330.75pt;position:var(--position);top:317.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:36.51pt;position:var(--position)"></span><span style="left:36.51pt;position:var(--position)">1.4<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:381pt;position:var(--position);top:317.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:36.35pt;position:var(--position)"></span><span style="left:36.35pt;position:var(--position)">1.0<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:317.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:37.11pt;position:var(--position)"></span><span style="left:37.11pt;position:var(--position)">2.1<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:341.25pt;width:180pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:180pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Severe downside</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:353.25pt;width:180pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:180pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Gross domestic product growth</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:180pt;position:var(--position);top:353.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:36.51pt;position:var(--position)"></span><span style="left:36.51pt;position:var(--position)">1.4<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:230.25pt;position:var(--position);top:353.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:33.72pt;position:var(--position)"></span><span style="left:33.72pt;position:var(--position)">(1.9)</span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:280.5pt;position:var(--position);top:353.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:33.63pt;position:var(--position)"></span><span style="left:33.63pt;position:var(--position)">(1.8)</span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:330.75pt;position:var(--position);top:353.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:34.99pt;position:var(--position)"></span><span style="left:34.99pt;position:var(--position)">0.7<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:381pt;position:var(--position);top:353.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:36.51pt;position:var(--position)"></span><span style="left:36.51pt;position:var(--position)">1.4<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:353.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:33.92pt;position:var(--position)"></span><span style="left:33.92pt;position:var(--position)">0.0<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:365.25pt;width:180pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:180pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Unemployment rate</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:180pt;position:var(--position);top:365.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:34.32pt;position:var(--position)"></span><span style="left:34.32pt;position:var(--position)">4.8<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:230.25pt;position:var(--position);top:365.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:34.73pt;position:var(--position)"></span><span style="left:34.73pt;position:var(--position)">8.3<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:280.5pt;position:var(--position);top:365.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:31.86pt;position:var(--position)"></span><span style="left:31.86pt;position:var(--position)">10.2<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:330.75pt;position:var(--position);top:365.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:34.58pt;position:var(--position)"></span><span style="left:34.58pt;position:var(--position)">9.9<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:381pt;position:var(--position);top:365.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:34.41pt;position:var(--position)"></span><span style="left:34.41pt;position:var(--position)">9.4<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:365.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:34.81pt;position:var(--position)"></span><span style="left:34.81pt;position:var(--position)">8.5<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:377.25pt;width:180pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:180pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">House price growth</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:180pt;position:var(--position);top:377.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:34.16pt;position:var(--position)"></span><span style="left:34.16pt;position:var(--position)">0.8<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:230.25pt;position:var(--position);top:377.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:34.15pt;position:var(--position)"></span><span style="left:34.15pt;position:var(--position)">(1.2)</span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:280.5pt;position:var(--position);top:377.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:33pt;position:var(--position)"></span><span style="left:33pt;position:var(--position)">(11.1)</span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:330.75pt;position:var(--position);top:377.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:29.66pt;position:var(--position)"></span><span style="left:29.66pt;position:var(--position)">(12.2)</span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:381pt;position:var(--position);top:377.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:32.27pt;position:var(--position)"></span><span style="left:32.27pt;position:var(--position)">(7.8)</span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:377.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:31.94pt;position:var(--position)"></span><span style="left:31.94pt;position:var(--position)">(6.5)</span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:389.25pt;width:180pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:180pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Commercial real estate price growth</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:180pt;position:var(--position);top:389.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:37.11pt;position:var(--position)"></span><span style="left:37.11pt;position:var(--position)">1.2<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:230.25pt;position:var(--position);top:389.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:29.37pt;position:var(--position)"></span><span style="left:29.37pt;position:var(--position)">(17.4)</span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:280.5pt;position:var(--position);top:389.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:31.53pt;position:var(--position)"></span><span style="left:31.53pt;position:var(--position)">(9.8)</span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:330.75pt;position:var(--position);top:389.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:32.19pt;position:var(--position)"></span><span style="left:32.19pt;position:var(--position)">(7.4)</span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:381pt;position:var(--position);top:389.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:31.77pt;position:var(--position)"></span><span style="left:31.77pt;position:var(--position)">(5.4)</span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:389.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:31.2pt;position:var(--position)"></span><span style="left:31.2pt;position:var(--position)">(8.0)</span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:401.25pt;width:180pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:180pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">UK Bank Rate</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:180pt;position:var(--position);top:401.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:29.2pt"></span></span><span style="left:31.83pt;position:var(--position)">4.13<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:230.25pt;position:var(--position);top:401.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:31.23pt"></span></span><span style="left:33.86pt;position:var(--position)">1.91<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:280.5pt;position:var(--position);top:401.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:28.47pt"></span></span><span style="left:31.099999999999998pt;position:var(--position)">0.10<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:330.75pt;position:var(--position);top:401.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:26.61pt"></span></span><span style="left:29.24pt;position:var(--position)">0.03<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:381pt;position:var(--position);top:401.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:28.47pt"></span></span><span style="left:31.099999999999998pt;position:var(--position)">0.01<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:401.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:29.39pt"></span></span><span style="left:32.02pt;position:var(--position)">1.24<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:413.25pt;width:180pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:180pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">CPI inflation</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:180pt;position:var(--position);top:413.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:32.02pt"></span></span><span style="left:34.650000000000006pt;position:var(--position)">3.4<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:230.25pt;position:var(--position);top:413.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:32.38pt"></span></span><span style="left:35.010000000000005pt;position:var(--position)">2.6<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:280.5pt;position:var(--position);top:413.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:34.79pt"></span></span><span style="left:37.42pt;position:var(--position)">1.7<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:330.75pt;position:var(--position);top:413.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:31.94pt"></span></span><span style="left:34.57pt;position:var(--position)">0.5<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:381pt;position:var(--position);top:413.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:28.49pt"></span></span><span style="left:31.119999999999997pt;position:var(--position)">(0.4)</span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:413.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:34.05pt"></span></span><span style="left:36.68pt;position:var(--position)">1.6<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:437.25pt;width:180pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:180pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Probability-weighted</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:449.25pt;width:180pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:180pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Gross domestic product growth</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:180pt;position:var(--position);top:449.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:33.88pt"></span></span><span style="left:36.510000000000005pt;position:var(--position)">1.4<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:230.25pt;position:var(--position);top:449.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:32.36pt"></span></span><span style="left:34.99pt;position:var(--position)">0.7<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:280.5pt;position:var(--position);top:449.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:31.53pt"></span></span><span style="left:34.160000000000004pt;position:var(--position)">0.8<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:330.75pt;position:var(--position);top:449.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:34.29pt"></span></span><span style="left:36.92pt;position:var(--position)">1.3<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:381pt;position:var(--position);top:449.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:34.05pt"></span></span><span style="left:36.68pt;position:var(--position)">1.6<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:449.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:34.48pt"></span></span><span style="left:37.11pt;position:var(--position)">1.2<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:461.25pt;width:180pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:180pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Unemployment rate</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:180pt;position:var(--position);top:461.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:31.69pt"></span></span><span style="left:34.32pt;position:var(--position)">4.8<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:230.25pt;position:var(--position);top:461.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:32.27pt"></span></span><span style="left:34.900000000000006pt;position:var(--position)">5.6<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:280.5pt;position:var(--position);top:461.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:33.01pt"></span></span><span style="left:35.64pt;position:var(--position)">5.7<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:330.75pt;position:var(--position);top:461.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:32.59pt"></span></span><span style="left:35.220000000000006pt;position:var(--position)">5.5<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:381pt;position:var(--position);top:461.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:32.1pt"></span></span><span style="left:34.730000000000004pt;position:var(--position)">5.4<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:461.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:32.1pt"></span></span><span style="left:34.730000000000004pt;position:var(--position)">5.4<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:473.25pt;width:180pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:180pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">House price growth</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:180pt;position:var(--position);top:473.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:31.53pt"></span></span><span style="left:34.160000000000004pt;position:var(--position)">0.8<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:230.25pt;position:var(--position);top:473.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:34.29pt"></span></span><span style="left:36.92pt;position:var(--position)">1.3<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:280.5pt;position:var(--position);top:473.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:32.05pt"></span></span><span style="left:34.68pt;position:var(--position)">0.2<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:330.75pt;position:var(--position);top:473.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:29.09pt"></span></span><span style="left:31.72pt;position:var(--position)">(0.2)</span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:381pt;position:var(--position);top:473.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:36.15pt"></span></span><span style="left:38.78pt;position:var(--position)">1.1<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:473.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:31.62pt"></span></span><span style="left:34.25pt;position:var(--position)">0.6<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:485.25pt;width:180pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:180pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Commercial real estate price growth</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:180pt;position:var(--position);top:485.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:34.48pt"></span></span><span style="left:37.11pt;position:var(--position)">1.2<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:230.25pt;position:var(--position);top:485.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:31.33pt"></span></span><span style="left:33.96pt;position:var(--position)">(1.3)</span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:280.5pt;position:var(--position);top:485.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:28.9pt"></span></span><span style="left:31.529999999999998pt;position:var(--position)">(0.3)</span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:330.75pt;position:var(--position);top:485.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:28.66pt"></span></span><span style="left:31.29pt;position:var(--position)">(0.9)</span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:381pt;position:var(--position);top:485.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:28.66pt"></span></span><span style="left:31.29pt;position:var(--position)">(0.9)</span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:485.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:28.49pt"></span></span><span style="left:31.119999999999997pt;position:var(--position)">(0.4)</span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:497.25pt;width:180pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:180pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">UK Bank Rate</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:180pt;position:var(--position);top:497.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:29.2pt"></span></span><span style="left:31.83pt;position:var(--position)">4.13<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:230.25pt;position:var(--position);top:497.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:27.94pt"></span></span><span style="left:30.57pt;position:var(--position)">3.23<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:280.5pt;position:var(--position);top:497.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:27.46pt"></span></span><span style="left:30.09pt;position:var(--position)">2.69<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:330.75pt;position:var(--position);top:497.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:28.11pt"></span></span><span style="left:30.74pt;position:var(--position)">2.78<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:381pt;position:var(--position);top:497.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:29.47pt"></span></span><span style="left:32.1pt;position:var(--position)">2.81<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:497.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:29.61pt"></span></span><span style="left:32.24pt;position:var(--position)">3.13<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:509.25pt;width:180pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:180pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">CPI inflation</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:180pt;position:var(--position);top:509.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:32.02pt"></span></span><span style="left:34.650000000000006pt;position:var(--position)">3.4<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:230.25pt;position:var(--position);top:509.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:32.38pt"></span></span><span style="left:35.010000000000005pt;position:var(--position)">2.6<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:280.5pt;position:var(--position);top:509.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:32.81pt"></span></span><span style="left:35.440000000000005pt;position:var(--position)">2.2<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:330.75pt;position:var(--position);top:509.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:32.05pt"></span></span><span style="left:34.68pt;position:var(--position)">2.0<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:381pt;position:var(--position);top:509.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:34.05pt"></span></span><span style="left:36.68pt;position:var(--position)">1.9<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:509.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:32.21pt"></span></span><span style="left:34.84pt;position:var(--position)">2.4<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td></tr></tbody></table></div></div></div></div><div><div style="font-size:12pt;line-height:9pt;position:var(--position);top:56.69pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:9pt;font-style:normal;font-weight:bold;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre">NOTES TO THE CONDENSED CONSOLIDATED HALF-YEAR FINANCIAL STATEMENTS (UNAUDITED)</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:485.73pt;position:var(--position);text-decoration:none;white-space:pre"> (continued)</span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);top:75.49pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:9pt;font-style:normal;font-weight:bold;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre">Note 10: Allowance for expected credit losses</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:251.52pt;position:var(--position);text-decoration:none;white-space:pre"> (continued)</span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);top:94.29pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:9pt;font-style:italic;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre">Base case scenario by quarter</span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:108.09pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:481.58pt">Gross domestic product growth is presented quarter-on-quarter. House price growth, commercial real estate price</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.27pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:120.69pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:481.61pt">growth and CPI inflation are presented year-on-year, i.e. from the equivalent quarter in the previous year.</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.3pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:133.29pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:349.17pt">Unemployment rate and UK Bank Rate are presented as at the end of each quarter.</span></div><div style="position:var(--position);top:153.89pt;width:594.99pt"><div style="font-size:0pt;left:56.69pt;position:var(--position);width:481.5pt"><div><table style="border-collapse:collapse;display:inline-table;width:100%"><tbody><tr style="height:0"><td style="padding:0;width:163.5pt"></td><td style="padding:0;width:39.75pt"></td><td style="padding:0;width:39.75pt"></td><td style="padding:0;width:39.75pt"></td><td style="padding:0;width:39.75pt"></td><td style="padding:0;width:39.75pt"></td><td style="padding:0;width:39.75pt"></td><td style="padding:0;width:39.75pt"></td><td style="padding:0;width:39.75pt"></td></tr><tr style="height:41.25pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);width:163.5pt"><div><div style="line-height:8pt;position:var(--position);top:31.75pt;width:163.5pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">At 30 June 2026</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:163.5pt;position:var(--position);width:39.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.95pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:20.55pt;position:var(--position);text-decoration:none;white-space:pre">First</span></div><div style="line-height:8pt;position:var(--position);top:12.55pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:9.12pt;position:var(--position);text-decoration:none;white-space:pre">quarter</span></div><div style="line-height:8pt;position:var(--position);top:22.15pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:17.75pt;position:var(--position);text-decoration:none;white-space:pre">2026</span></div><div style="line-height:8pt;position:var(--position);top:31.75pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:30.62pt;position:var(--position);text-decoration:none;white-space:pre">%</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:203.25pt;position:var(--position);width:39.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.95pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:9.32pt;position:var(--position);text-decoration:none;white-space:pre">Second</span></div><div style="line-height:8pt;position:var(--position);top:12.55pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:9.12pt;position:var(--position);text-decoration:none;white-space:pre">quarter</span></div><div style="line-height:8pt;position:var(--position);top:22.15pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:17.75pt;position:var(--position);text-decoration:none;white-space:pre">2026</span></div><div style="line-height:8pt;position:var(--position);top:31.75pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:30.62pt;position:var(--position);text-decoration:none;white-space:pre">%</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:243pt;position:var(--position);width:39.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.95pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:17.37pt;position:var(--position);text-decoration:none;white-space:pre">Third</span></div><div style="line-height:8pt;position:var(--position);top:12.55pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:9.12pt;position:var(--position);text-decoration:none;white-space:pre">quarter</span></div><div style="line-height:8pt;position:var(--position);top:22.15pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:17.75pt;position:var(--position);text-decoration:none;white-space:pre">2026</span></div><div style="line-height:8pt;position:var(--position);top:31.75pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:30.62pt;position:var(--position);text-decoration:none;white-space:pre">%</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:282.75pt;position:var(--position);width:39.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.95pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:11.87pt;position:var(--position);text-decoration:none;white-space:pre">Fourth</span></div><div style="line-height:8pt;position:var(--position);top:12.55pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:9.12pt;position:var(--position);text-decoration:none;white-space:pre">quarter</span></div><div style="line-height:8pt;position:var(--position);top:22.15pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:17.75pt;position:var(--position);text-decoration:none;white-space:pre">2026</span></div><div style="line-height:8pt;position:var(--position);top:31.75pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:30.62pt;position:var(--position);text-decoration:none;white-space:pre">%</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:322.5pt;position:var(--position);width:39.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.95pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:20.55pt;position:var(--position);text-decoration:none;white-space:pre">First</span></div><div style="line-height:8pt;position:var(--position);top:12.55pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:9.12pt;position:var(--position);text-decoration:none;white-space:pre">quarter</span></div><div style="line-height:8pt;position:var(--position);top:22.15pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:18.49pt;position:var(--position);text-decoration:none;white-space:pre">2027</span></div><div style="line-height:8pt;position:var(--position);top:31.75pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:30.62pt;position:var(--position);text-decoration:none;white-space:pre">%</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:362.25pt;position:var(--position);width:39.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.95pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:9.32pt;position:var(--position);text-decoration:none;white-space:pre">Second</span></div><div style="line-height:8pt;position:var(--position);top:12.55pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:9.12pt;position:var(--position);text-decoration:none;white-space:pre">quarter</span></div><div style="line-height:8pt;position:var(--position);top:22.15pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:18.49pt;position:var(--position);text-decoration:none;white-space:pre">2027</span></div><div style="line-height:8pt;position:var(--position);top:31.75pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:30.62pt;position:var(--position);text-decoration:none;white-space:pre">%</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:402pt;position:var(--position);width:39.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.95pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:17.37pt;position:var(--position);text-decoration:none;white-space:pre">Third</span></div><div style="line-height:8pt;position:var(--position);top:12.55pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:9.12pt;position:var(--position);text-decoration:none;white-space:pre">quarter</span></div><div style="line-height:8pt;position:var(--position);top:22.15pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:18.49pt;position:var(--position);text-decoration:none;white-space:pre">2027</span></div><div style="line-height:8pt;position:var(--position);top:31.75pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:30.62pt;position:var(--position);text-decoration:none;white-space:pre">%</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:441.75pt;position:var(--position);width:39.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.95pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:11.87pt;position:var(--position);text-decoration:none;white-space:pre">Fourth</span></div><div style="line-height:8pt;position:var(--position);top:12.55pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:9.12pt;position:var(--position);text-decoration:none;white-space:pre">quarter</span></div><div style="line-height:8pt;position:var(--position);top:22.15pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:18.49pt;position:var(--position);text-decoration:none;white-space:pre">2027</span></div><div style="line-height:8pt;position:var(--position);top:31.75pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:30.62pt;position:var(--position);text-decoration:none;white-space:pre">%</span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:53.25pt;width:163.5pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:163.5pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Gross domestic product growth</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:163.5pt;position:var(--position);top:53.25pt;width:39.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:23.53pt;position:var(--position)"></span><span style="left:23.53pt;position:var(--position)">0.6<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:203.25pt;position:var(--position);top:53.25pt;width:39.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:25.61pt;position:var(--position)"></span><span style="left:25.61pt;position:var(--position)">0.1<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:243pt;position:var(--position);top:53.25pt;width:39.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:25.61pt;position:var(--position)"></span><span style="left:25.61pt;position:var(--position)">0.1<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:282.75pt;position:var(--position);top:53.25pt;width:39.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:23.97pt;position:var(--position)"></span><span style="left:23.97pt;position:var(--position)">0.2<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:322.5pt;position:var(--position);top:53.25pt;width:39.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:23.8pt;position:var(--position)"></span><span style="left:23.8pt;position:var(--position)">0.3<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:362.25pt;position:var(--position);top:53.25pt;width:39.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:23.8pt;position:var(--position)"></span><span style="left:23.8pt;position:var(--position)">0.3<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:402pt;position:var(--position);top:53.25pt;width:39.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:23.8pt;position:var(--position)"></span><span style="left:23.8pt;position:var(--position)">0.3<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:441.75pt;position:var(--position);top:53.25pt;width:39.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:23.8pt;position:var(--position)"></span><span style="left:23.8pt;position:var(--position)">0.3<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:65.25pt;width:163.5pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:163.5pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Unemployment rate</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:163.5pt;position:var(--position);top:65.25pt;width:39.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:23.88pt;position:var(--position)"></span><span style="left:23.88pt;position:var(--position)">5.0<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:203.25pt;position:var(--position);top:65.25pt;width:39.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:23.88pt;position:var(--position)"></span><span style="left:23.88pt;position:var(--position)">5.0<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:243pt;position:var(--position);top:65.25pt;width:39.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:24.65pt;position:var(--position)"></span><span style="left:24.65pt;position:var(--position)">5.2<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:282.75pt;position:var(--position);top:65.25pt;width:39.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:24.07pt;position:var(--position)"></span><span style="left:24.07pt;position:var(--position)">5.4<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:322.5pt;position:var(--position);top:65.25pt;width:39.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:24.56pt;position:var(--position)"></span><span style="left:24.56pt;position:var(--position)">5.5<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:362.25pt;position:var(--position);top:65.25pt;width:39.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:24.07pt;position:var(--position)"></span><span style="left:24.07pt;position:var(--position)">5.4<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:402pt;position:var(--position);top:65.25pt;width:39.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:24.48pt;position:var(--position)"></span><span style="left:24.48pt;position:var(--position)">5.3<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:441.75pt;position:var(--position);top:65.25pt;width:39.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:24.65pt;position:var(--position)"></span><span style="left:24.65pt;position:var(--position)">5.2<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:77.25pt;width:163.5pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:163.5pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">House price growth</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:163.5pt;position:var(--position);top:77.25pt;width:39.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:23.47pt;position:var(--position)"></span><span style="left:23.47pt;position:var(--position)">0.8<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:203.25pt;position:var(--position);top:77.25pt;width:39.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:23.88pt;position:var(--position)"></span><span style="left:23.88pt;position:var(--position)">0.5<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:243pt;position:var(--position);top:77.25pt;width:39.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:23.8pt;position:var(--position)"></span><span style="left:23.8pt;position:var(--position)">0.3<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:282.75pt;position:var(--position);top:77.25pt;width:39.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:23.53pt;position:var(--position)"></span><span style="left:23.53pt;position:var(--position)">0.9<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:322.5pt;position:var(--position);top:77.25pt;width:39.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:23.53pt;position:var(--position)"></span><span style="left:23.53pt;position:var(--position)">0.6<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:362.25pt;position:var(--position);top:77.25pt;width:39.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:26.38pt;position:var(--position)"></span><span style="left:26.38pt;position:var(--position)">1.2<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:402pt;position:var(--position);top:77.25pt;width:39.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:25.8pt;position:var(--position)"></span><span style="left:25.8pt;position:var(--position)">1.4<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:441.75pt;position:var(--position);top:77.25pt;width:39.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:26.38pt;position:var(--position)"></span><span style="left:26.38pt;position:var(--position)">1.2<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:89.25pt;width:163.5pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:163.5pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Commercial real estate price growth</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:163.5pt;position:var(--position);top:89.25pt;width:39.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:23.47pt;position:var(--position)"></span><span style="left:23.47pt;position:var(--position)">0.8<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:203.25pt;position:var(--position);top:89.25pt;width:39.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:23.8pt;position:var(--position)"></span><span style="left:23.8pt;position:var(--position)">0.3<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:243pt;position:var(--position);top:89.25pt;width:39.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:20.94pt;position:var(--position)"></span><span style="left:20.94pt;position:var(--position)">(0.2)</span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:282.75pt;position:var(--position);top:89.25pt;width:39.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:20.77pt;position:var(--position)"></span><span style="left:20.77pt;position:var(--position)">(0.3)</span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:322.5pt;position:var(--position);top:89.25pt;width:39.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:20.77pt;position:var(--position)"></span><span style="left:20.77pt;position:var(--position)">(0.3)</span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:362.25pt;position:var(--position);top:89.25pt;width:39.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:20.94pt;position:var(--position)"></span><span style="left:20.94pt;position:var(--position)">(0.2)</span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:402pt;position:var(--position);top:89.25pt;width:39.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:22.58pt;position:var(--position)"></span><span style="left:22.58pt;position:var(--position)">(0.1)</span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:441.75pt;position:var(--position);top:89.25pt;width:39.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:23.2pt;position:var(--position)"></span><span style="left:23.2pt;position:var(--position)">0.0<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:101.25pt;width:163.5pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:163.5pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">UK Bank Rate</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:163.5pt;position:var(--position);top:101.25pt;width:39.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:20.24pt;position:var(--position)"></span><span style="left:20.24pt;position:var(--position)">3.75<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:203.25pt;position:var(--position);top:101.25pt;width:39.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:20.24pt;position:var(--position)"></span><span style="left:20.24pt;position:var(--position)">3.75<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:243pt;position:var(--position);top:101.25pt;width:39.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:20.24pt;position:var(--position)"></span><span style="left:20.24pt;position:var(--position)">3.75<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:282.75pt;position:var(--position);top:101.25pt;width:39.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:20.24pt;position:var(--position)"></span><span style="left:20.24pt;position:var(--position)">3.75<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:322.5pt;position:var(--position);top:101.25pt;width:39.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:20.24pt;position:var(--position)"></span><span style="left:20.24pt;position:var(--position)">3.75<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:362.25pt;position:var(--position);top:101.25pt;width:39.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:20.24pt;position:var(--position)"></span><span style="left:20.24pt;position:var(--position)">3.75<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:402pt;position:var(--position);top:101.25pt;width:39.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:19.17pt;position:var(--position)"></span><span style="left:19.17pt;position:var(--position)">3.50<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:441.75pt;position:var(--position);top:101.25pt;width:39.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:19.17pt;position:var(--position)"></span><span style="left:19.17pt;position:var(--position)">3.50<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:113.25pt;width:163.5pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:163.5pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">CPI inflation</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:163.5pt;position:var(--position);top:113.25pt;width:39.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:26.21pt;position:var(--position)"></span><span style="left:26.21pt;position:var(--position)">3.1<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:203.25pt;position:var(--position);top:113.25pt;width:39.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:24.24pt;position:var(--position)"></span><span style="left:24.24pt;position:var(--position)">2.8<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:243pt;position:var(--position);top:113.25pt;width:39.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:23.8pt;position:var(--position)"></span><span style="left:23.8pt;position:var(--position)">3.0<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:282.75pt;position:var(--position);top:113.25pt;width:39.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:24.4pt;position:var(--position)"></span><span style="left:24.4pt;position:var(--position)">3.3<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:322.5pt;position:var(--position);top:113.25pt;width:39.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:24.3pt;position:var(--position)"></span><span style="left:24.3pt;position:var(--position)">2.9<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:362.25pt;position:var(--position);top:113.25pt;width:39.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:24.65pt;position:var(--position)"></span><span style="left:24.65pt;position:var(--position)">2.5<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:402pt;position:var(--position);top:113.25pt;width:39.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:23.97pt;position:var(--position)"></span><span style="left:23.97pt;position:var(--position)">2.0<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:441.75pt;position:var(--position);top:113.25pt;width:39.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:25.94pt;position:var(--position)"></span><span style="left:25.94pt;position:var(--position)">1.9<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td></tr></tbody></table></div></div></div><div style="position:var(--position);top:292.14pt;width:594.99pt"><div style="font-size:0pt;left:56.69pt;position:var(--position);width:481.5pt"><div><table style="border-collapse:collapse;display:inline-table;width:100%"><tbody><tr style="height:0"><td style="padding:0;width:163.5pt"></td><td style="padding:0;width:39.75pt"></td><td style="padding:0;width:39.75pt"></td><td style="padding:0;width:39.75pt"></td><td style="padding:0;width:39.75pt"></td><td style="padding:0;width:39.75pt"></td><td style="padding:0;width:39.75pt"></td><td style="padding:0;width:39.75pt"></td><td style="padding:0;width:39.75pt"></td></tr><tr style="height:41.25pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);width:163.5pt"><div><div style="font-size:12pt;line-height:8pt;position:var(--position);top:31.75pt;width:163.5pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">At 31 December </span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:63.64pt;position:var(--position);text-decoration:none;white-space:pre">2025</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:163.5pt;position:var(--position);width:39.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.95pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:20.77pt;position:var(--position);text-decoration:none;white-space:pre">First</span></div><div style="line-height:8pt;position:var(--position);top:12.55pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:9.34pt;position:var(--position);text-decoration:none;white-space:pre">quarter</span></div><div style="line-height:8pt;position:var(--position);top:22.15pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:18.29pt;position:var(--position);text-decoration:none;white-space:pre">2025</span></div><div style="line-height:8pt;position:var(--position);top:31.75pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:30.62pt;position:var(--position);text-decoration:none;white-space:pre">%</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:203.25pt;position:var(--position);width:39.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.95pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:9.46pt;position:var(--position);text-decoration:none;white-space:pre">Second</span></div><div style="line-height:8pt;position:var(--position);top:12.55pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:9.34pt;position:var(--position);text-decoration:none;white-space:pre">quarter</span></div><div style="line-height:8pt;position:var(--position);top:22.15pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:18.29pt;position:var(--position);text-decoration:none;white-space:pre">2025</span></div><div style="line-height:8pt;position:var(--position);top:31.75pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:30.62pt;position:var(--position);text-decoration:none;white-space:pre">%</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:243pt;position:var(--position);width:39.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.95pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:17.56pt;position:var(--position);text-decoration:none;white-space:pre">Third</span></div><div style="line-height:8pt;position:var(--position);top:12.55pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:9.34pt;position:var(--position);text-decoration:none;white-space:pre">quarter</span></div><div style="line-height:8pt;position:var(--position);top:22.15pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:18.29pt;position:var(--position);text-decoration:none;white-space:pre">2025</span></div><div style="line-height:8pt;position:var(--position);top:31.75pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:30.62pt;position:var(--position);text-decoration:none;white-space:pre">%</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:282.75pt;position:var(--position);width:39.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.95pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:12.07pt;position:var(--position);text-decoration:none;white-space:pre">Fourth</span></div><div style="line-height:8pt;position:var(--position);top:12.55pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:9.34pt;position:var(--position);text-decoration:none;white-space:pre">quarter</span></div><div style="line-height:8pt;position:var(--position);top:22.15pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:18.29pt;position:var(--position);text-decoration:none;white-space:pre">2025</span></div><div style="line-height:8pt;position:var(--position);top:31.75pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:30.62pt;position:var(--position);text-decoration:none;white-space:pre">%</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:322.5pt;position:var(--position);width:39.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.95pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:20.77pt;position:var(--position);text-decoration:none;white-space:pre">First</span></div><div style="line-height:8pt;position:var(--position);top:12.55pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:9.34pt;position:var(--position);text-decoration:none;white-space:pre">quarter</span></div><div style="line-height:8pt;position:var(--position);top:22.15pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:17.97pt;position:var(--position);text-decoration:none;white-space:pre">2026</span></div><div style="line-height:8pt;position:var(--position);top:31.75pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:30.62pt;position:var(--position);text-decoration:none;white-space:pre">%</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:362.25pt;position:var(--position);width:39.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.95pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:9.46pt;position:var(--position);text-decoration:none;white-space:pre">Second</span></div><div style="line-height:8pt;position:var(--position);top:12.55pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:9.34pt;position:var(--position);text-decoration:none;white-space:pre">quarter</span></div><div style="line-height:8pt;position:var(--position);top:22.15pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:17.97pt;position:var(--position);text-decoration:none;white-space:pre">2026</span></div><div style="line-height:8pt;position:var(--position);top:31.75pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:30.62pt;position:var(--position);text-decoration:none;white-space:pre">%</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:402pt;position:var(--position);width:39.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.95pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:17.56pt;position:var(--position);text-decoration:none;white-space:pre">Third</span></div><div style="line-height:8pt;position:var(--position);top:12.55pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:9.34pt;position:var(--position);text-decoration:none;white-space:pre">quarter</span></div><div style="line-height:8pt;position:var(--position);top:22.15pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:17.97pt;position:var(--position);text-decoration:none;white-space:pre">2026</span></div><div style="line-height:8pt;position:var(--position);top:31.75pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:30.62pt;position:var(--position);text-decoration:none;white-space:pre">%</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:441.75pt;position:var(--position);width:39.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.95pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:12.07pt;position:var(--position);text-decoration:none;white-space:pre">Fourth</span></div><div style="line-height:8pt;position:var(--position);top:12.55pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:9.34pt;position:var(--position);text-decoration:none;white-space:pre">quarter</span></div><div style="line-height:8pt;position:var(--position);top:22.15pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:17.97pt;position:var(--position);text-decoration:none;white-space:pre">2026</span></div><div style="line-height:8pt;position:var(--position);top:31.75pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:30.62pt;position:var(--position);text-decoration:none;white-space:pre">%</span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:53.25pt;width:163.5pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:163.5pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Gross domestic product growth</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:163.5pt;position:var(--position);top:53.25pt;width:39.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:24.49pt;position:var(--position)"></span><span style="left:24.49pt;position:var(--position)">0.7<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:203.25pt;position:var(--position);top:53.25pt;width:39.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:23.99pt;position:var(--position)"></span><span style="left:23.99pt;position:var(--position)">0.3<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:243pt;position:var(--position);top:53.25pt;width:39.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:25.85pt;position:var(--position)"></span><span style="left:25.85pt;position:var(--position)">0.1<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:282.75pt;position:var(--position);top:53.25pt;width:39.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:23.99pt;position:var(--position)"></span><span style="left:23.99pt;position:var(--position)">0.3<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:322.5pt;position:var(--position);top:53.25pt;width:39.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:23.99pt;position:var(--position)"></span><span style="left:23.99pt;position:var(--position)">0.3<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:362.25pt;position:var(--position);top:53.25pt;width:39.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:23.99pt;position:var(--position)"></span><span style="left:23.99pt;position:var(--position)">0.3<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:402pt;position:var(--position);top:53.25pt;width:39.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:23.58pt;position:var(--position)"></span><span style="left:23.58pt;position:var(--position)">0.4<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:441.75pt;position:var(--position);top:53.25pt;width:39.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:23.58pt;position:var(--position)"></span><span style="left:23.58pt;position:var(--position)">0.4<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:65.25pt;width:163.5pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:163.5pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Unemployment rate</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:163.5pt;position:var(--position);top:65.25pt;width:39.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:24.23pt;position:var(--position)"></span><span style="left:24.23pt;position:var(--position)">4.5<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:203.25pt;position:var(--position);top:65.25pt;width:39.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:24.65pt;position:var(--position)"></span><span style="left:24.65pt;position:var(--position)">4.7<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:243pt;position:var(--position);top:65.25pt;width:39.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:24.07pt;position:var(--position)"></span><span style="left:24.07pt;position:var(--position)">5.0<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:282.75pt;position:var(--position);top:65.25pt;width:39.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:26.5pt;position:var(--position)"></span><span style="left:26.5pt;position:var(--position)">5.1<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:322.5pt;position:var(--position);top:65.25pt;width:39.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:24.64pt;position:var(--position)"></span><span style="left:24.64pt;position:var(--position)">5.3<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:362.25pt;position:var(--position);top:65.25pt;width:39.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:24.64pt;position:var(--position)"></span><span style="left:24.64pt;position:var(--position)">5.3<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:402pt;position:var(--position);top:65.25pt;width:39.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:24.83pt;position:var(--position)"></span><span style="left:24.83pt;position:var(--position)">5.2<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:441.75pt;position:var(--position);top:65.25pt;width:39.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:26.5pt;position:var(--position)"></span><span style="left:26.5pt;position:var(--position)">5.1<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:77.25pt;width:163.5pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:163.5pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">House price growth</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:163.5pt;position:var(--position);top:77.25pt;width:39.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:24.51pt;position:var(--position)"></span><span style="left:24.51pt;position:var(--position)">2.9<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:203.25pt;position:var(--position);top:77.25pt;width:39.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:25.25pt;position:var(--position)"></span><span style="left:25.25pt;position:var(--position)">2.7<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:243pt;position:var(--position);top:77.25pt;width:39.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:26.42pt;position:var(--position)"></span><span style="left:26.42pt;position:var(--position)">1.3<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:282.75pt;position:var(--position);top:77.25pt;width:39.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:23.66pt;position:var(--position)"></span><span style="left:23.66pt;position:var(--position)">0.8<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:322.5pt;position:var(--position);top:77.25pt;width:39.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:26.42pt;position:var(--position)"></span><span style="left:26.42pt;position:var(--position)">1.3<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:362.25pt;position:var(--position);top:77.25pt;width:39.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:26.18pt;position:var(--position)"></span><span style="left:26.18pt;position:var(--position)">1.6<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:402pt;position:var(--position);top:77.25pt;width:39.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:26.18pt;position:var(--position)"></span><span style="left:26.18pt;position:var(--position)">1.6<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:441.75pt;position:var(--position);top:77.25pt;width:39.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:26.18pt;position:var(--position)"></span><span style="left:26.18pt;position:var(--position)">1.6<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:89.25pt;width:163.5pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:163.5pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Commercial real estate price growth</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:163.5pt;position:var(--position);top:89.25pt;width:39.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:24.83pt;position:var(--position)"></span><span style="left:24.83pt;position:var(--position)">2.5<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:203.25pt;position:var(--position);top:89.25pt;width:39.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:24.51pt;position:var(--position)"></span><span style="left:24.51pt;position:var(--position)">2.6<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:243pt;position:var(--position);top:89.25pt;width:39.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:24.51pt;position:var(--position)"></span><span style="left:24.51pt;position:var(--position)">2.6<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:282.75pt;position:var(--position);top:89.25pt;width:39.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:26.61pt;position:var(--position)"></span><span style="left:26.61pt;position:var(--position)">1.2<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:322.5pt;position:var(--position);top:89.25pt;width:39.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:24.07pt;position:var(--position)"></span><span style="left:24.07pt;position:var(--position)">0.5<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:362.25pt;position:var(--position);top:89.25pt;width:39.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:24.18pt;position:var(--position)"></span><span style="left:24.18pt;position:var(--position)">0.2<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:402pt;position:var(--position);top:89.25pt;width:39.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:25.85pt;position:var(--position)"></span><span style="left:25.85pt;position:var(--position)">0.1<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:441.75pt;position:var(--position);top:89.25pt;width:39.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:23.75pt;position:var(--position)"></span><span style="left:23.75pt;position:var(--position)">0.6<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:101.25pt;width:163.5pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:163.5pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">UK Bank Rate</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:163.5pt;position:var(--position);top:101.25pt;width:39.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:18.98pt;position:var(--position)"></span><span style="left:18.98pt;position:var(--position)">4.50<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:203.25pt;position:var(--position);top:101.25pt;width:39.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:19.74pt;position:var(--position)"></span><span style="left:19.74pt;position:var(--position)">4.25<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:243pt;position:var(--position);top:101.25pt;width:39.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:18.33pt;position:var(--position)"></span><span style="left:18.33pt;position:var(--position)">4.00<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:282.75pt;position:var(--position);top:101.25pt;width:39.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:20.46pt;position:var(--position)"></span><span style="left:20.46pt;position:var(--position)">3.75<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:322.5pt;position:var(--position);top:101.25pt;width:39.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:20.46pt;position:var(--position)"></span><span style="left:20.46pt;position:var(--position)">3.75<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:362.25pt;position:var(--position);top:101.25pt;width:39.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:19.39pt;position:var(--position)"></span><span style="left:19.39pt;position:var(--position)">3.50<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:402pt;position:var(--position);top:101.25pt;width:39.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:20.15pt;position:var(--position)"></span><span style="left:20.15pt;position:var(--position)">3.25<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:441.75pt;position:var(--position);top:101.25pt;width:39.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:20.15pt;position:var(--position)"></span><span style="left:20.15pt;position:var(--position)">3.25<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:113.25pt;width:163.5pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:163.5pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">CPI inflation</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:163.5pt;position:var(--position);top:113.25pt;width:39.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:24.42pt;position:var(--position)"></span><span style="left:24.42pt;position:var(--position)">2.8<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:203.25pt;position:var(--position);top:113.25pt;width:39.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:24.64pt;position:var(--position)"></span><span style="left:24.64pt;position:var(--position)">3.5<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:243pt;position:var(--position);top:113.25pt;width:39.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:24.23pt;position:var(--position)"></span><span style="left:24.23pt;position:var(--position)">3.8<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:282.75pt;position:var(--position);top:113.25pt;width:39.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:25.06pt;position:var(--position)"></span><span style="left:25.06pt;position:var(--position)">3.7<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:322.5pt;position:var(--position);top:113.25pt;width:39.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:24.56pt;position:var(--position)"></span><span style="left:24.56pt;position:var(--position)">3.3<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:362.25pt;position:var(--position);top:113.25pt;width:39.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:24.51pt;position:var(--position)"></span><span style="left:24.51pt;position:var(--position)">2.6<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:402pt;position:var(--position);top:113.25pt;width:39.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:24.94pt;position:var(--position)"></span><span style="left:24.94pt;position:var(--position)">2.2<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:441.75pt;position:var(--position);top:113.25pt;width:39.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:24.94pt;position:var(--position)"></span><span style="left:24.94pt;position:var(--position)">2.2<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td></tr></tbody></table></div></div></div></div><div style="font-size:12pt;line-height:9pt;position:var(--position);top:56.69pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:9pt;font-style:normal;font-weight:bold;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre">NOTES TO THE CONDENSED CONSOLIDATED HALF-YEAR FINANCIAL STATEMENTS (UNAUDITED)</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:485.73pt;position:var(--position);text-decoration:none;white-space:pre"> (continued)</span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);top:75.49pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:9pt;font-style:normal;font-weight:bold;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre">Note 10: Allowance for expected credit losses</span><span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:9pt;font-style:normal;font-weight:bold;left:251.52pt;position:var(--position);text-decoration:none;white-space:pre"> </span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:253.59pt;position:var(--position);text-decoration:none;white-space:pre">(continued)</span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);top:94.29pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:9pt;font-style:normal;font-weight:bold;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre">Movement in expected credit loss allowance</span></div><div style="position:var(--position);top:113.09pt;width:594.99pt"><div style="font-size:0pt;left:56.69pt;position:var(--position);width:481.5pt"><div><table style="border-collapse:collapse;display:inline-table;width:100%"><tbody><tr style="height:0"><td style="padding:0;width:210.75pt"></td><td style="padding:0;width:45pt"></td><td style="padding:0;width:3pt"></td><td style="padding:0;width:5.25pt"></td><td style="padding:0;width:3pt"></td><td style="padding:0;width:47.25pt"></td><td style="padding:0;width:3pt"></td><td style="padding:0;width:5.25pt"></td><td style="padding:0;width:47.25pt"></td><td style="padding:0;width:3pt"></td><td style="padding:0;width:3pt"></td><td style="padding:0;width:5.25pt"></td><td style="padding:0;width:47.25pt"></td><td style="padding:0;width:3pt"></td><td style="padding:0;width:5.25pt"></td><td style="padding:0;width:45pt"></td></tr><tr style="height:51.75pt"><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:210.75pt;position:var(--position);width:45pt"><div><div style="line-height:8pt;position:var(--position);top:3.85pt;width:45pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:10.4pt;position:var(--position);text-decoration:none;white-space:pre">Opening </span></div><div style="line-height:8pt;position:var(--position);top:13.45pt;width:45pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:17.66pt;position:var(--position);text-decoration:none;white-space:pre">ECL at</span></div><div style="line-height:8pt;position:var(--position);top:23.05pt;width:45pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:18.19pt;position:var(--position);text-decoration:none;white-space:pre">31 Dec</span></div><div style="line-height:8pt;position:var(--position);top:32.65pt;width:45pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:23.35pt;position:var(--position);text-decoration:none;white-space:pre">2025</span></div><div style="line-height:8pt;position:var(--position);top:42.25pt;width:45pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:30.72pt;position:var(--position);text-decoration:none;white-space:pre">£m</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:267pt;position:var(--position);width:47.25pt"><div><div style="line-height:8pt;position:var(--position);top:23.05pt;width:47.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:6.32pt;position:var(--position);text-decoration:none;white-space:pre">Write-offs</span></div><div style="line-height:8pt;position:var(--position);top:32.65pt;width:47.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:7.92pt;position:var(--position);text-decoration:none;white-space:pre">and other</span></div><div style="line-height:8pt;position:var(--position);top:42.25pt;width:47.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:32.97pt;position:var(--position);text-decoration:none;white-space:pre">£m</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:322.5pt;position:var(--position);width:47.25pt"><div><div style="line-height:8pt;position:var(--position);top:3.85pt;width:47.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:16.83pt;position:var(--position);text-decoration:none;white-space:pre">Income</span></div><div style="line-height:8pt;position:var(--position);top:13.45pt;width:47.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:5.47pt;position:var(--position);text-decoration:none;white-space:pre">statement</span></div><div style="line-height:8pt;position:var(--position);top:23.05pt;width:47.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:19.62pt;position:var(--position);text-decoration:none;white-space:pre">charge </span></div><div style="line-height:8pt;position:var(--position);top:32.65pt;width:47.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:16.48pt;position:var(--position);text-decoration:none;white-space:pre">(credit)</span></div><div style="line-height:8pt;position:var(--position);top:42.25pt;width:47.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:32.97pt;position:var(--position);text-decoration:none;white-space:pre">£m</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:381pt;position:var(--position);width:47.25pt"><div><div style="line-height:8pt;position:var(--position);top:13.45pt;width:47.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:13.85pt;position:var(--position);text-decoration:none;white-space:pre">Net ECL</span></div><div style="line-height:8pt;position:var(--position);top:23.05pt;width:47.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:13.78pt;position:var(--position);text-decoration:none;white-space:pre">increase</span></div><div style="line-height:8pt;position:var(--position);top:32.65pt;width:47.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:5.18pt;position:var(--position);text-decoration:none;white-space:pre">(decrease)</span></div><div style="line-height:8pt;position:var(--position);top:42.25pt;width:47.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:32.97pt;position:var(--position);text-decoration:none;white-space:pre">£m</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:436.5pt;position:var(--position);width:45pt"><div><div style="line-height:8pt;position:var(--position);top:3.85pt;width:45pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:15.21pt;position:var(--position);text-decoration:none;white-space:pre">Closing </span></div><div style="line-height:8pt;position:var(--position);top:13.45pt;width:45pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:17.66pt;position:var(--position);text-decoration:none;white-space:pre">ECL at</span></div><div style="line-height:8pt;position:var(--position);top:23.05pt;width:45pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:18.47pt;position:var(--position);text-decoration:none;white-space:pre">30 Jun</span></div><div style="line-height:8pt;position:var(--position);top:32.65pt;width:45pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:23pt;position:var(--position);text-decoration:none;white-space:pre">2026</span></div><div style="line-height:8pt;position:var(--position);top:42.25pt;width:45pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:30.72pt;position:var(--position);text-decoration:none;white-space:pre">£m</span></div></div></div></td></tr><tr style="height:8.25pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="height:8.25pt;overflow:hidden;position:var(--position);top:51.75pt;width:210.75pt"><div><div style="line-height:8pt;position:var(--position);top:-0.75pt;width:210.75pt"><span style="font-family:'Arial', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);white-space:pre"> </span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td></tr><tr style="height:3pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="height:3pt;overflow:hidden;position:var(--position);top:60pt;width:210.75pt"><div><div style="line-height:8pt;position:var(--position);top:-6pt;width:210.75pt"><span style="font-family:'Arial', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);white-space:pre"> </span></div></div></div></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-left:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-right:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-left:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td></tr><tr style="height:12pt"><td style="border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:63pt;width:210.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:210.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:8.3pt;position:var(--position);text-decoration:none;white-space:pre">UK mortgages</span></div></div></div></td><td style="border-left:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:210.75pt;position:var(--position);top:63pt;width:45pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:45pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:26.74pt"></span></span><span style="left:29.369999999999997pt;position:var(--position)">731<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="border-right:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-left:0.5pt solid #000;border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-left:0.5pt solid #000;border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-left:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:267pt;position:var(--position);top:63pt;width:47.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:47.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:26.7pt"></span></span><span style="left:29.33pt;position:var(--position)">(101)</span></span></div></div></div></td><td style="border-right:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-left:0.5pt solid #000;border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-left:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:322.5pt;position:var(--position);top:63pt;width:47.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:47.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:31.15pt"></span></span><span style="left:33.78pt;position:var(--position)">39<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="border-right:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-left:0.5pt solid #000;border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-left:0.5pt solid #000;border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-left:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:381pt;position:var(--position);top:63pt;width:47.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:47.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:28.29pt"></span></span><span style="left:30.919999999999998pt;position:var(--position)">(62)</span></span></div></div></div></td><td style="border-right:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-left:0.5pt solid #000;border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-left:0.5pt solid #000;border-right:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:436.5pt;position:var(--position);top:63pt;width:45pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:45pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:23.65pt"></span></span><span style="left:26.279999999999998pt;position:var(--position)">669<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:75pt;width:210.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:210.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:8.3pt;position:var(--position);text-decoration:none;white-space:pre">Credit cards</span></div></div></div></td><td style="border-left:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:210.75pt;position:var(--position);top:75pt;width:45pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:45pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:23.59pt"></span></span><span style="left:26.22pt;position:var(--position)">603<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-left:0.5pt solid #000;border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-left:0.5pt solid #000;border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-left:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:267pt;position:var(--position);top:75pt;width:47.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:47.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:24.19pt"></span></span><span style="left:26.82pt;position:var(--position)">(222)</span></span></div></div></div></td><td style="border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-left:0.5pt solid #000;border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-left:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:322.5pt;position:var(--position);top:75pt;width:47.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:47.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:26.2pt"></span></span><span style="left:28.83pt;position:var(--position)">264<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-left:0.5pt solid #000;border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-left:0.5pt solid #000;border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-left:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:381pt;position:var(--position);top:75pt;width:47.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:47.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:31.18pt"></span></span><span style="left:33.81pt;position:var(--position)">42<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-left:0.5pt solid #000;border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-left:0.5pt solid #000;border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:436.5pt;position:var(--position);top:75pt;width:45pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:45pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:23.86pt"></span></span><span style="left:26.49pt;position:var(--position)">645<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:87pt;width:210.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:210.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:8.3pt;position:var(--position);text-decoration:none;white-space:pre">Other Retail</span></div></div></div></td><td style="border-bottom:0.5pt solid #000;border-left:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:210.75pt;position:var(--position);top:87pt;width:45pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:45pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:25.73pt"></span></span><span style="left:28.36pt;position:var(--position)">991<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="border-bottom:0.5pt solid #000;border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-left:0.5pt solid #000;border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-left:0.5pt solid #000;border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;border-left:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:267pt;position:var(--position);top:87pt;width:47.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:47.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:26.13pt"></span></span><span style="left:28.759999999999998pt;position:var(--position)">(271)</span></span></div></div></div></td><td style="border-bottom:0.5pt solid #000;border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-left:0.5pt solid #000;border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;border-left:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:322.5pt;position:var(--position);top:87pt;width:47.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:47.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:26.78pt"></span></span><span style="left:29.41pt;position:var(--position)">262<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="border-bottom:0.5pt solid #000;border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-left:0.5pt solid #000;border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-left:0.5pt solid #000;border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;border-left:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:381pt;position:var(--position);top:87pt;width:47.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:47.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:32.83pt"></span></span><span style="left:35.46pt;position:var(--position)">(9)</span></span></div></div></div></td><td style="border-bottom:0.5pt solid #000;border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-left:0.5pt solid #000;border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;border-left:0.5pt solid #000;border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:436.5pt;position:var(--position);top:87pt;width:45pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:45pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:24.03pt"></span></span><span style="left:26.66pt;position:var(--position)">982<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:99pt;width:210.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:210.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Retail</span></div></div></div></td><td style="border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:210.75pt;position:var(--position);top:99pt;width:45pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:45pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:17.91pt"></span></span><span style="left:20.54pt;position:var(--position)">2,325<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-left:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:267pt;position:var(--position);top:99pt;width:47.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:47.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:23.08pt"></span></span><span style="left:25.709999999999997pt;position:var(--position)">(594)</span></span></div></div></div></td><td style="border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:322.5pt;position:var(--position);top:99pt;width:47.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:47.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:26.6pt"></span></span><span style="left:29.23pt;position:var(--position)">565<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-left:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:381pt;position:var(--position);top:99pt;width:47.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:47.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:28.29pt"></span></span><span style="left:30.919999999999998pt;position:var(--position)">(29)</span></span></div></div></div></td><td style="border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:436.5pt;position:var(--position);top:99pt;width:45pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:45pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:17.29pt"></span></span><span style="left:19.919999999999998pt;position:var(--position)">2,296<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:111pt;width:210.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:210.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Commercial Banking</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:210.75pt;position:var(--position);top:111pt;width:45pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:45pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:24.68pt"></span></span><span style="left:27.31pt;position:var(--position)">875<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-left:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:267pt;position:var(--position);top:111pt;width:47.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:47.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:29.03pt"></span></span><span style="left:31.66pt;position:var(--position)">(72)</span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:322.5pt;position:var(--position);top:111pt;width:47.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:47.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:31.48pt"></span></span><span style="left:34.11pt;position:var(--position)">47<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-left:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:381pt;position:var(--position);top:111pt;width:47.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:47.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:28.64pt"></span></span><span style="left:31.27pt;position:var(--position)">(25)</span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:436.5pt;position:var(--position);top:111pt;width:45pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:45pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:23.61pt"></span></span><span style="left:26.24pt;position:var(--position)">850<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:123pt;width:210.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:210.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Other</span></div></div></div></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:210.75pt;position:var(--position);top:123pt;width:45pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:45pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:35.69pt"></span></span><span style="left:38.32pt;position:var(--position)">1<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-left:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:267pt;position:var(--position);top:123pt;width:47.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:47.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:36.84pt"></span></span><span style="left:39.470000000000006pt;position:var(--position)">–<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:322.5pt;position:var(--position);top:123pt;width:47.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:47.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:36.84pt"></span></span><span style="left:39.470000000000006pt;position:var(--position)">–<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-left:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:381pt;position:var(--position);top:123pt;width:47.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:47.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:36.84pt"></span></span><span style="left:39.470000000000006pt;position:var(--position)">–<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:436.5pt;position:var(--position);top:123pt;width:45pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:45pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:35.69pt"></span></span><span style="left:38.32pt;position:var(--position)">1<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:135pt;width:210.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:210.75pt"><span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Total</span></div></div></div></td><td style="border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:210.75pt;position:var(--position);top:135pt;width:45pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:45pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:18.87pt"></span></span><span style="left:21.5pt;position:var(--position)">3,201<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-left:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:267pt;position:var(--position);top:135pt;width:47.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:47.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:22.87pt"></span></span><span style="left:25.5pt;position:var(--position)">(666)</span></span></div></div></div></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:322.5pt;position:var(--position);top:135pt;width:47.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:47.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:28.42pt"></span></span><span style="left:31.05pt;position:var(--position)">612<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-left:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:381pt;position:var(--position);top:135pt;width:47.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:47.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:28.06pt"></span></span><span style="left:30.689999999999998pt;position:var(--position)">(54)</span></span></div></div></div></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:436.5pt;position:var(--position);top:135pt;width:45pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:45pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:19.36pt"></span></span><span style="left:21.99pt;position:var(--position)">3,147<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td></tr><tr style="height:3pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="height:3pt;overflow:hidden;position:var(--position);top:147pt;width:210.75pt"><div><div style="line-height:8pt;position:var(--position);top:-6pt;width:210.75pt"><span style="font-family:'Arial', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);white-space:pre"> </span></div></div></div></td><td style="border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;border-left:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-left:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td></tr><tr style="height:8.25pt"><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td></tr><tr style="height:51.75pt"><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:210.75pt;position:var(--position);top:158.25pt;width:45pt"><div><div style="line-height:8pt;position:var(--position);top:3.85pt;width:45pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:10.64pt;position:var(--position);text-decoration:none;white-space:pre">Opening </span></div><div style="line-height:8pt;position:var(--position);top:13.45pt;width:45pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:17.72pt;position:var(--position);text-decoration:none;white-space:pre">ECL at</span></div><div style="line-height:8pt;position:var(--position);top:23.05pt;width:45pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:18.3pt;position:var(--position);text-decoration:none;white-space:pre">31 Dec</span></div><div style="line-height:8pt;position:var(--position);top:32.65pt;width:45pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:23.05pt;position:var(--position);text-decoration:none;white-space:pre">2024</span></div><div style="line-height:8pt;position:var(--position);top:42.25pt;width:45pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:30.78pt;position:var(--position);text-decoration:none;white-space:pre">£m</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:267pt;position:var(--position);top:158.25pt;width:47.25pt"><div><div style="line-height:8pt;position:var(--position);top:23.05pt;width:47.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:6.73pt;position:var(--position);text-decoration:none;white-space:pre">Write-offs</span></div><div style="line-height:8pt;position:var(--position);top:32.65pt;width:47.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:8.14pt;position:var(--position);text-decoration:none;white-space:pre">and other</span></div><div style="line-height:8pt;position:var(--position);top:42.25pt;width:47.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:33.03pt;position:var(--position);text-decoration:none;white-space:pre">£m</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:322.5pt;position:var(--position);top:158.25pt;width:47.25pt"><div><div style="line-height:8pt;position:var(--position);top:3.85pt;width:47.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:17.02pt;position:var(--position);text-decoration:none;white-space:pre">Income</span></div><div style="line-height:8pt;position:var(--position);top:13.45pt;width:47.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:5.89pt;position:var(--position);text-decoration:none;white-space:pre">statement</span></div><div style="line-height:8pt;position:var(--position);top:23.05pt;width:47.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:19.78pt;position:var(--position);text-decoration:none;white-space:pre">charge </span></div><div style="line-height:8pt;position:var(--position);top:32.65pt;width:47.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:16.83pt;position:var(--position);text-decoration:none;white-space:pre">(credit)</span></div><div style="line-height:8pt;position:var(--position);top:42.25pt;width:47.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:33.03pt;position:var(--position);text-decoration:none;white-space:pre">£m</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:381pt;position:var(--position);top:158.25pt;width:47.25pt"><div><div style="line-height:8pt;position:var(--position);top:13.45pt;width:47.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:13.93pt;position:var(--position);text-decoration:none;white-space:pre">Net ECL</span></div><div style="line-height:8pt;position:var(--position);top:23.05pt;width:47.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:14.06pt;position:var(--position);text-decoration:none;white-space:pre">increase</span></div><div style="line-height:8pt;position:var(--position);top:32.65pt;width:47.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:5.56pt;position:var(--position);text-decoration:none;white-space:pre">(decrease)</span></div><div style="line-height:8pt;position:var(--position);top:42.25pt;width:47.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:33.03pt;position:var(--position);text-decoration:none;white-space:pre">£m</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:436.5pt;position:var(--position);top:158.25pt;width:45pt"><div><div style="line-height:8pt;position:var(--position);top:3.85pt;width:45pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:15.5pt;position:var(--position);text-decoration:none;white-space:pre">Closing </span></div><div style="line-height:8pt;position:var(--position);top:13.45pt;width:45pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:17.72pt;position:var(--position);text-decoration:none;white-space:pre">ECL at</span></div><div style="line-height:8pt;position:var(--position);top:23.05pt;width:45pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:18.65pt;position:var(--position);text-decoration:none;white-space:pre">30 Jun</span></div><div style="line-height:8pt;position:var(--position);top:32.65pt;width:45pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:23.54pt;position:var(--position);text-decoration:none;white-space:pre">2025</span></div><div style="line-height:8pt;position:var(--position);top:42.25pt;width:45pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:30.78pt;position:var(--position);text-decoration:none;white-space:pre">£m</span></div></div></div></td></tr><tr style="height:8.25pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="height:8.25pt;overflow:hidden;position:var(--position);top:210pt;width:210.75pt"><div><div style="line-height:8pt;position:var(--position);top:-0.75pt;width:210.75pt"><span style="font-family:'Arial', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);white-space:pre"> </span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td></tr><tr style="height:3pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="height:3pt;overflow:hidden;position:var(--position);top:218.25pt;width:210.75pt"><div><div style="line-height:8pt;position:var(--position);top:-6pt;width:210.75pt"><span style="font-family:'Arial', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);white-space:pre"> </span></div></div></div></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-left:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-right:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-left:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td></tr><tr style="height:12pt"><td style="border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:221.25pt;width:210.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:210.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:8.3pt;position:var(--position);text-decoration:none;white-space:pre">UK mortgages</span></div></div></div></td><td style="border-left:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:210.75pt;position:var(--position);top:221.25pt;width:45pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:45pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:24.49pt"></span></span><span style="left:27.119999999999997pt;position:var(--position)">852<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="border-right:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-left:0.5pt solid #000;border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-left:0.5pt solid #000;border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-left:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:267pt;position:var(--position);top:221.25pt;width:47.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:47.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:29.81pt"></span></span><span style="left:32.44pt;position:var(--position)">(10)<span style="display:inline-block;height:6.4pt;width:0.07pt"></span></span></span></div></div></div></td><td style="border-right:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-left:0.5pt solid #000;border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-left:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:322.5pt;position:var(--position);top:221.25pt;width:47.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:47.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:25.7pt"></span></span><span style="left:28.33pt;position:var(--position)">(133)<span style="display:inline-block;height:6.4pt;width:0.07pt"></span></span></span></div></div></div></td><td style="border-right:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-left:0.5pt solid #000;border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-left:0.5pt solid #000;border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-left:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:381pt;position:var(--position);top:221.25pt;width:47.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:47.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:25.29pt"></span></span><span style="left:27.919999999999998pt;position:var(--position)">(143)<span style="display:inline-block;height:6.4pt;width:0.07pt"></span></span></span></div></div></div></td><td style="border-right:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-left:0.5pt solid #000;border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-left:0.5pt solid #000;border-right:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:436.5pt;position:var(--position);top:221.25pt;width:45pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:45pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:24.24pt"></span></span><span style="left:26.869999999999997pt;position:var(--position)">709<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:233.25pt;width:210.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:210.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:8.3pt;position:var(--position);text-decoration:none;white-space:pre">Credit cards</span></div></div></div></td><td style="border-left:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:210.75pt;position:var(--position);top:233.25pt;width:45pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:45pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:24.4pt"></span></span><span style="left:27.029999999999998pt;position:var(--position)">674<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-left:0.5pt solid #000;border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-left:0.5pt solid #000;border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-left:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:267pt;position:var(--position);top:233.25pt;width:47.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:47.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:25.97pt"></span></span><span style="left:28.599999999999998pt;position:var(--position)">(215)<span style="display:inline-block;height:6.4pt;width:0.07pt"></span></span></span></div></div></div></td><td style="border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-left:0.5pt solid #000;border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-left:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:322.5pt;position:var(--position);top:233.25pt;width:47.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:47.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:25.85pt"></span></span><span style="left:28.48pt;position:var(--position)">200<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-left:0.5pt solid #000;border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-left:0.5pt solid #000;border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-left:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:381pt;position:var(--position);top:233.25pt;width:47.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:47.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:30.46pt"></span></span><span style="left:33.09pt;position:var(--position)">(15)<span style="display:inline-block;height:6.4pt;width:0.07pt"></span></span></span></div></div></div></td><td style="border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-left:0.5pt solid #000;border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-left:0.5pt solid #000;border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:436.5pt;position:var(--position);top:233.25pt;width:45pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:45pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:24.15pt"></span></span><span style="left:26.779999999999998pt;position:var(--position)">659<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:245.25pt;width:210.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:210.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:8.3pt;position:var(--position);text-decoration:none;white-space:pre">Other Retail</span></div></div></div></td><td style="border-bottom:0.5pt solid #000;border-left:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:210.75pt;position:var(--position);top:245.25pt;width:45pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:45pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:23.82pt"></span></span><span style="left:26.45pt;position:var(--position)">950<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="border-bottom:0.5pt solid #000;border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-left:0.5pt solid #000;border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-left:0.5pt solid #000;border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;border-left:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:267pt;position:var(--position);top:245.25pt;width:47.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:47.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:25.97pt"></span></span><span style="left:28.599999999999998pt;position:var(--position)">(215)<span style="display:inline-block;height:6.4pt;width:0.07pt"></span></span></span></div></div></div></td><td style="border-bottom:0.5pt solid #000;border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-left:0.5pt solid #000;border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;border-left:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:322.5pt;position:var(--position);top:245.25pt;width:47.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:47.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:27.57pt"></span></span><span style="left:30.2pt;position:var(--position)">275<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="border-bottom:0.5pt solid #000;border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-left:0.5pt solid #000;border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-left:0.5pt solid #000;border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;border-left:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:381pt;position:var(--position);top:245.25pt;width:47.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:47.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:30.67pt"></span></span><span style="left:33.300000000000004pt;position:var(--position)">60<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="border-bottom:0.5pt solid #000;border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-left:0.5pt solid #000;border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;border-left:0.5pt solid #000;border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:436.5pt;position:var(--position);top:245.25pt;width:45pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:45pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:20.22pt"></span></span><span style="left:22.849999999999998pt;position:var(--position)">1,010<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:257.25pt;width:210.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:210.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Retail</span></div></div></div></td><td style="border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:210.75pt;position:var(--position);top:257.25pt;width:45pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:45pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:17.68pt"></span></span><span style="left:20.31pt;position:var(--position)">2,476<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-left:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:267pt;position:var(--position);top:257.25pt;width:47.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:47.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:22.45pt"></span></span><span style="left:25.08pt;position:var(--position)">(440)<span style="display:inline-block;height:6.4pt;width:0.07pt"></span></span></span></div></div></div></td><td style="border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:322.5pt;position:var(--position);top:257.25pt;width:47.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:47.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:26.58pt"></span></span><span style="left:29.209999999999997pt;position:var(--position)">342<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-left:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:381pt;position:var(--position);top:257.25pt;width:47.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:47.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:27.95pt"></span></span><span style="left:30.58pt;position:var(--position)">(98)<span style="display:inline-block;height:6.4pt;width:0.07pt"></span></span></span></div></div></div></td><td style="border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:436.5pt;position:var(--position);top:257.25pt;width:45pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:45pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:18pt"></span></span><span style="left:20.63pt;position:var(--position)">2,378<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:269.25pt;width:210.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:210.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Commercial Banking</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:210.75pt;position:var(--position);top:269.25pt;width:45pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:45pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:24.57pt"></span></span><span style="left:27.2pt;position:var(--position)">976<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-left:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:267pt;position:var(--position);top:269.25pt;width:47.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:47.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:27.62pt"></span></span><span style="left:30.25pt;position:var(--position)">(80)<span style="display:inline-block;height:6.4pt;width:0.07pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:322.5pt;position:var(--position);top:269.25pt;width:47.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:47.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:31pt"></span></span><span style="left:33.63pt;position:var(--position)">99<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-left:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:381pt;position:var(--position);top:269.25pt;width:47.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:47.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:33.1pt"></span></span><span style="left:35.730000000000004pt;position:var(--position)">19<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:436.5pt;position:var(--position);top:269.25pt;width:45pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:45pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:24.15pt"></span></span><span style="left:26.779999999999998pt;position:var(--position)">995<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:281.25pt;width:210.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:210.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Other</span></div></div></div></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:210.75pt;position:var(--position);top:281.25pt;width:45pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:45pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:35.77pt"></span></span><span style="left:38.400000000000006pt;position:var(--position)">1<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-left:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:267pt;position:var(--position);top:281.25pt;width:47.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:47.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:35.06pt"></span></span><span style="left:37.690000000000005pt;position:var(--position)">(1)<span style="display:inline-block;height:6.4pt;width:0.07pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:322.5pt;position:var(--position);top:281.25pt;width:47.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:47.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:38.02pt"></span></span><span style="left:40.650000000000006pt;position:var(--position)">1<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-left:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:381pt;position:var(--position);top:281.25pt;width:47.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:47.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:36.84pt"></span></span><span style="left:39.470000000000006pt;position:var(--position)">–<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:436.5pt;position:var(--position);top:281.25pt;width:45pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:45pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:35.77pt"></span></span><span style="left:38.400000000000006pt;position:var(--position)">1<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:293.25pt;width:210.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:210.75pt"><span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Total</span></div></div></div></td><td style="border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:210.75pt;position:var(--position);top:293.25pt;width:45pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:45pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:17.31pt"></span></span><span style="left:19.939999999999998pt;position:var(--position)">3,453<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-left:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:267pt;position:var(--position);top:293.25pt;width:47.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:47.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:25.97pt"></span></span><span style="left:28.599999999999998pt;position:var(--position)">(521)<span style="display:inline-block;height:6.4pt;width:0.07pt"></span></span></span></div></div></div></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:322.5pt;position:var(--position);top:293.25pt;width:47.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:47.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:26.17pt"></span></span><span style="left:28.8pt;position:var(--position)">442<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-left:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:381pt;position:var(--position);top:293.25pt;width:47.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:47.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:28.78pt"></span></span><span style="left:31.41pt;position:var(--position)">(79)<span style="display:inline-block;height:6.4pt;width:0.07pt"></span></span></span></div></div></div></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:436.5pt;position:var(--position);top:293.25pt;width:45pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:45pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:17.73pt"></span></span><span style="left:20.36pt;position:var(--position)">3,374<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td></tr><tr style="height:3pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="height:3pt;overflow:hidden;position:var(--position);top:305.25pt;width:210.75pt"><div><div style="line-height:8pt;position:var(--position);top:-6pt;width:210.75pt"><span style="font-family:'Arial', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);white-space:pre"> </span></div></div></div></td><td style="border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;border-left:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-left:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td></tr><tr style="height:8.25pt"><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td></tr><tr style="height:51.75pt"><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:210.75pt;position:var(--position);top:316.5pt;width:45pt"><div><div style="line-height:8pt;position:var(--position);top:3.85pt;width:45pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:10.64pt;position:var(--position);text-decoration:none;white-space:pre">Opening </span></div><div style="line-height:8pt;position:var(--position);top:13.45pt;width:45pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:17.72pt;position:var(--position);text-decoration:none;white-space:pre">ECL at</span></div><div style="line-height:8pt;position:var(--position);top:23.05pt;width:45pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:18.65pt;position:var(--position);text-decoration:none;white-space:pre">30 Jun</span></div><div style="line-height:8pt;position:var(--position);top:32.65pt;width:45pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:23.54pt;position:var(--position);text-decoration:none;white-space:pre">2025</span></div><div style="line-height:8pt;position:var(--position);top:42.25pt;width:45pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:30.78pt;position:var(--position);text-decoration:none;white-space:pre">£m</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:267pt;position:var(--position);top:316.5pt;width:47.25pt"><div><div style="line-height:8pt;position:var(--position);top:23.05pt;width:47.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:6.73pt;position:var(--position);text-decoration:none;white-space:pre">Write-offs</span></div><div style="line-height:8pt;position:var(--position);top:32.65pt;width:47.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:8.14pt;position:var(--position);text-decoration:none;white-space:pre">and other</span></div><div style="line-height:8pt;position:var(--position);top:42.25pt;width:47.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:33.03pt;position:var(--position);text-decoration:none;white-space:pre">£m</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:322.5pt;position:var(--position);top:316.5pt;width:47.25pt"><div><div style="line-height:8pt;position:var(--position);top:3.85pt;width:47.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:17.02pt;position:var(--position);text-decoration:none;white-space:pre">Income</span></div><div style="line-height:8pt;position:var(--position);top:13.45pt;width:47.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:5.89pt;position:var(--position);text-decoration:none;white-space:pre">statement</span></div><div style="line-height:8pt;position:var(--position);top:23.05pt;width:47.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:19.78pt;position:var(--position);text-decoration:none;white-space:pre">charge </span></div><div style="line-height:8pt;position:var(--position);top:32.65pt;width:47.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:16.83pt;position:var(--position);text-decoration:none;white-space:pre">(credit)</span></div><div style="line-height:8pt;position:var(--position);top:42.25pt;width:47.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:33.03pt;position:var(--position);text-decoration:none;white-space:pre">£m</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:381pt;position:var(--position);top:316.5pt;width:47.25pt"><div><div style="line-height:8pt;position:var(--position);top:13.45pt;width:47.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:13.93pt;position:var(--position);text-decoration:none;white-space:pre">Net ECL</span></div><div style="line-height:8pt;position:var(--position);top:23.05pt;width:47.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:14.06pt;position:var(--position);text-decoration:none;white-space:pre">increase</span></div><div style="line-height:8pt;position:var(--position);top:32.65pt;width:47.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:5.56pt;position:var(--position);text-decoration:none;white-space:pre">(decrease)</span></div><div style="line-height:8pt;position:var(--position);top:42.25pt;width:47.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:33.03pt;position:var(--position);text-decoration:none;white-space:pre">£m</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:436.5pt;position:var(--position);top:316.5pt;width:45pt"><div><div style="line-height:8pt;position:var(--position);top:3.85pt;width:45pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:15.5pt;position:var(--position);text-decoration:none;white-space:pre">Closing </span></div><div style="line-height:8pt;position:var(--position);top:13.45pt;width:45pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:17.72pt;position:var(--position);text-decoration:none;white-space:pre">ECL at</span></div><div style="line-height:8pt;position:var(--position);top:23.05pt;width:45pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:18.3pt;position:var(--position);text-decoration:none;white-space:pre">31 Dec</span></div><div style="line-height:8pt;position:var(--position);top:32.65pt;width:45pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:23.54pt;position:var(--position);text-decoration:none;white-space:pre">2025</span></div><div style="line-height:8pt;position:var(--position);top:42.25pt;width:45pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:30.78pt;position:var(--position);text-decoration:none;white-space:pre">£m</span></div></div></div></td></tr><tr style="height:8.25pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="height:8.25pt;overflow:hidden;position:var(--position);top:368.25pt;width:210.75pt"><div><div style="line-height:8pt;position:var(--position);top:-0.75pt;width:210.75pt"><span style="font-family:'Arial', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);white-space:pre"> </span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td></tr><tr style="height:3pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="height:3pt;overflow:hidden;position:var(--position);top:376.5pt;width:210.75pt"><div><div style="line-height:8pt;position:var(--position);top:-6pt;width:210.75pt"><span style="font-family:'Arial', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);white-space:pre"> </span></div></div></div></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-left:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-right:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-left:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td></tr><tr style="height:12pt"><td style="border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:379.5pt;width:210.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:210.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:8.3pt;position:var(--position);text-decoration:none;white-space:pre">UK mortgages</span></div></div></div></td><td style="border-left:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:210.75pt;position:var(--position);top:379.5pt;width:45pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:45pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:24.24pt"></span></span><span style="left:26.869999999999997pt;position:var(--position)">709<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="border-right:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-left:0.5pt solid #000;border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-left:0.5pt solid #000;border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-left:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:267pt;position:var(--position);top:379.5pt;width:47.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:47.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:30.46pt"></span></span><span style="left:33.09pt;position:var(--position)">(51)<span style="display:inline-block;height:6.4pt;width:0.07pt"></span></span></span></div></div></div></td><td style="border-right:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-left:0.5pt solid #000;border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-left:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:322.5pt;position:var(--position);top:379.5pt;width:47.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:47.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:31.98pt"></span></span><span style="left:34.61pt;position:var(--position)">73<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="border-right:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-left:0.5pt solid #000;border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-left:0.5pt solid #000;border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-left:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:381pt;position:var(--position);top:379.5pt;width:47.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:47.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:31.86pt"></span></span><span style="left:34.49pt;position:var(--position)">22<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="border-right:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-left:0.5pt solid #000;border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-left:0.5pt solid #000;border-right:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:436.5pt;position:var(--position);top:379.5pt;width:45pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:45pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:26.91pt"></span></span><span style="left:29.54pt;position:var(--position)">731<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:391.5pt;width:210.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:210.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:8.3pt;position:var(--position);text-decoration:none;white-space:pre">Credit cards</span></div></div></div></td><td style="border-left:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:210.75pt;position:var(--position);top:391.5pt;width:45pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:45pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:24.15pt"></span></span><span style="left:26.779999999999998pt;position:var(--position)">659<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-left:0.5pt solid #000;border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-left:0.5pt solid #000;border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-left:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:267pt;position:var(--position);top:391.5pt;width:47.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:47.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:26.7pt"></span></span><span style="left:29.33pt;position:var(--position)">(177)<span style="display:inline-block;height:6.4pt;width:0.07pt"></span></span></span></div></div></div></td><td style="border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-left:0.5pt solid #000;border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-left:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:322.5pt;position:var(--position);top:391.5pt;width:47.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:47.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:30.71pt"></span></span><span style="left:33.34pt;position:var(--position)">121<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-left:0.5pt solid #000;border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-left:0.5pt solid #000;border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-left:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:381pt;position:var(--position);top:391.5pt;width:47.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:47.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:28.36pt"></span></span><span style="left:30.99pt;position:var(--position)">(56)<span style="display:inline-block;height:6.4pt;width:0.07pt"></span></span></span></div></div></div></td><td style="border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-left:0.5pt solid #000;border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-left:0.5pt solid #000;border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:436.5pt;position:var(--position);top:391.5pt;width:45pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:45pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:23.74pt"></span></span><span style="left:26.369999999999997pt;position:var(--position)">603<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:403.5pt;width:210.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:210.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:8.3pt;position:var(--position);text-decoration:none;white-space:pre">Other Retail</span></div></div></div></td><td style="border-bottom:0.5pt solid #000;border-left:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:210.75pt;position:var(--position);top:403.5pt;width:45pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:45pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:20.22pt"></span></span><span style="left:22.849999999999998pt;position:var(--position)">1,010<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="border-bottom:0.5pt solid #000;border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-left:0.5pt solid #000;border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-left:0.5pt solid #000;border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;border-left:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:267pt;position:var(--position);top:403.5pt;width:47.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:47.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:26.39pt"></span></span><span style="left:29.02pt;position:var(--position)">(217)<span style="display:inline-block;height:6.4pt;width:0.07pt"></span></span></span></div></div></div></td><td style="border-bottom:0.5pt solid #000;border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-left:0.5pt solid #000;border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;border-left:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:322.5pt;position:var(--position);top:403.5pt;width:47.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:47.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:28.09pt"></span></span><span style="left:30.72pt;position:var(--position)">198<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="border-bottom:0.5pt solid #000;border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-left:0.5pt solid #000;border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-left:0.5pt solid #000;border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;border-left:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:381pt;position:var(--position);top:403.5pt;width:47.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:47.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:30.14pt"></span></span><span style="left:32.77pt;position:var(--position)">(19)<span style="display:inline-block;height:6.4pt;width:0.07pt"></span></span></span></div></div></div></td><td style="border-bottom:0.5pt solid #000;border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-left:0.5pt solid #000;border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;border-left:0.5pt solid #000;border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:436.5pt;position:var(--position);top:403.5pt;width:45pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:45pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:25.93pt"></span></span><span style="left:28.56pt;position:var(--position)">991<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:415.5pt;width:210.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:210.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Retail</span></div></div></div></td><td style="border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:210.75pt;position:var(--position);top:415.5pt;width:45pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:45pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:18pt"></span></span><span style="left:20.63pt;position:var(--position)">2,378<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-left:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:267pt;position:var(--position);top:415.5pt;width:47.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:47.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:23.1pt"></span></span><span style="left:25.73pt;position:var(--position)">(445)<span style="display:inline-block;height:6.4pt;width:0.07pt"></span></span></span></div></div></div></td><td style="border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:322.5pt;position:var(--position);top:415.5pt;width:47.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:47.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:26.75pt"></span></span><span style="left:29.38pt;position:var(--position)">392<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-left:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:381pt;position:var(--position);top:415.5pt;width:47.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:47.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:28.6pt"></span></span><span style="left:31.23pt;position:var(--position)">(53)<span style="display:inline-block;height:6.4pt;width:0.07pt"></span></span></span></div></div></div></td><td style="border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:436.5pt;position:var(--position);top:415.5pt;width:45pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:45pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:18.1pt"></span></span><span style="left:20.73pt;position:var(--position)">2,325<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:427.5pt;width:210.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:210.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Commercial Banking</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:210.75pt;position:var(--position);top:427.5pt;width:45pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:45pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:24.15pt"></span></span><span style="left:26.779999999999998pt;position:var(--position)">995<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-left:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:267pt;position:var(--position);top:427.5pt;width:47.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:47.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:27.62pt"></span></span><span style="left:30.25pt;position:var(--position)">(80)<span style="display:inline-block;height:6.4pt;width:0.07pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:322.5pt;position:var(--position);top:427.5pt;width:47.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:47.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:27.54pt"></span></span><span style="left:30.169999999999998pt;position:var(--position)">(40)<span style="display:inline-block;height:6.4pt;width:0.07pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-left:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:381pt;position:var(--position);top:427.5pt;width:47.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:47.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:25.32pt"></span></span><span style="left:27.95pt;position:var(--position)">(120)<span style="display:inline-block;height:6.4pt;width:0.07pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:436.5pt;position:var(--position);top:427.5pt;width:45pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:45pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:24.8pt"></span></span><span style="left:27.43pt;position:var(--position)">875<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:439.5pt;width:210.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:210.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Other</span></div></div></div></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:210.75pt;position:var(--position);top:439.5pt;width:45pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:45pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:35.77pt"></span></span><span style="left:38.400000000000006pt;position:var(--position)">1<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-left:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:267pt;position:var(--position);top:439.5pt;width:47.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:47.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:36.35pt"></span></span><span style="left:38.980000000000004pt;position:var(--position)">2<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:322.5pt;position:var(--position);top:439.5pt;width:47.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:47.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:33.39pt"></span></span><span style="left:36.02pt;position:var(--position)">(2)<span style="display:inline-block;height:6.4pt;width:0.07pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-left:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:381pt;position:var(--position);top:439.5pt;width:47.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:47.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:36.84pt"></span></span><span style="left:39.470000000000006pt;position:var(--position)">–<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:436.5pt;position:var(--position);top:439.5pt;width:45pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:45pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:35.77pt"></span></span><span style="left:38.400000000000006pt;position:var(--position)">1<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:451.5pt;width:210.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:210.75pt"><span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Total</span></div></div></div></td><td style="border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:210.75pt;position:var(--position);top:451.5pt;width:45pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:45pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:17.73pt"></span></span><span style="left:20.36pt;position:var(--position)">3,374<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-left:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:267pt;position:var(--position);top:451.5pt;width:47.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:47.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:24.11pt"></span></span><span style="left:26.74pt;position:var(--position)">(523)<span style="display:inline-block;height:6.4pt;width:0.07pt"></span></span></span></div></div></div></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:322.5pt;position:var(--position);top:451.5pt;width:47.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:47.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:26.31pt"></span></span><span style="left:28.939999999999998pt;position:var(--position)">350<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-left:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:381pt;position:var(--position);top:451.5pt;width:47.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:47.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:26.2pt"></span></span><span style="left:28.83pt;position:var(--position)">(173)<span style="display:inline-block;height:6.4pt;width:0.07pt"></span></span></span></div></div></div></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:436.5pt;position:var(--position);top:451.5pt;width:45pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:45pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:19.12pt"></span></span><span style="left:21.75pt;position:var(--position)">3,201<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td></tr><tr style="height:3pt"><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;border-left:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-left:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td></tr></tbody></table></div></div></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:592.59pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:237.09pt">The total allowance for expected credit losses includes £</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:293.78pt;position:var(--position);text-decoration:none;white-space:pre;width:16.14pt">250</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:309.91999999999996pt;position:var(--position);text-decoration:none;white-space:pre;width:96.38pt"> million (30 June 2025: </span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:406.3pt;position:var(--position);text-decoration:none;white-space:pre;width:46.84pt">£211 million</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:453.14pt;position:var(--position);text-decoration:none;white-space:pre;width:85.03pt">; 31 December 2025:</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.1700000000001pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:605.19pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:52.93pt">£243 million</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:109.62pt;position:var(--position);text-decoration:none;white-space:pre;width:428.62pt">) in respect of residual value impairment and voluntary terminations within the Group’s UK Motor</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.24pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:72.34pt">Finance business.</span> <span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:204.27pt">The table below analyses total ECL allowance </span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:260.96000000000004pt;position:var(--position);text-decoration:none;white-space:pre;width:277.22pt">by portfolio, separately identifying the amounts that have been</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.1800000000001pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:152.69pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:481.61pt">modelled, those that have been individually assessed and those arising through the application of judgemental</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.3pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:165.29pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:54.16pt">adjustments.</span></div><div style="position:var(--position);top:185.89pt;width:594.99pt"><div style="font-size:0pt;left:56.69pt;position:var(--position);width:481.5pt"><div><table style="border-collapse:collapse;display:inline-table;width:100%"><tbody><tr style="height:0"><td style="padding:0;width:249.75pt"></td><td style="padding:0;width:54pt"></td><td style="padding:0;width:5.25pt"></td><td style="padding:0;width:54pt"></td><td style="padding:0;width:5.25pt"></td><td style="padding:0;width:54pt"></td><td style="padding:0;width:5.25pt"></td><td style="padding:0;width:54pt"></td></tr><tr style="height:42pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);width:249.75pt"><div><div style="font-size:12pt;line-height:8pt;position:var(--position);top:32.5pt;width:249.75pt"><span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">At 30 June </span><span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:43.99pt;position:var(--position);text-decoration:none;white-space:pre">2026</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:249.75pt;position:var(--position);width:54pt"><div><div style="line-height:8pt;position:var(--position);top:13.3pt;width:54pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:16.37pt;position:var(--position);text-decoration:none;white-space:pre">Modelled</span></div><div style="line-height:8pt;position:var(--position);top:22.9pt;width:54pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:36.6pt;position:var(--position);text-decoration:none;white-space:pre">ECL</span></div><div style="line-height:8pt;position:var(--position);top:32.5pt;width:54pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:39.72pt;position:var(--position);text-decoration:none;white-space:pre">£m</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:309pt;position:var(--position);width:54pt"><div><div style="line-height:8pt;position:var(--position);top:13.3pt;width:54pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:8.26pt;position:var(--position);text-decoration:none;white-space:pre">Individually</span></div><div style="line-height:8pt;position:var(--position);top:22.9pt;width:54pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:19.09pt;position:var(--position);text-decoration:none;white-space:pre">assessed</span></div><div style="line-height:8pt;position:var(--position);top:32.5pt;width:54pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:39.72pt;position:var(--position);text-decoration:none;white-space:pre">£m</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:368.25pt;position:var(--position);width:54pt"><div><div style="line-height:8pt;position:var(--position);top:13.3pt;width:54pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:4.16pt;position:var(--position);text-decoration:none;white-space:pre">Judgemental</span></div><div style="line-height:8pt;position:var(--position);top:22.9pt;width:54pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:4.87pt;position:var(--position);text-decoration:none;white-space:pre">adjustments</span></div><div style="line-height:8pt;position:var(--position);top:32.5pt;width:54pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:39.72pt;position:var(--position);text-decoration:none;white-space:pre">£m</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:427.5pt;position:var(--position);width:54pt"><div><div style="line-height:8pt;position:var(--position);top:13.3pt;width:54pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:31.56pt;position:var(--position);text-decoration:none;white-space:pre">Total</span></div><div style="line-height:8pt;position:var(--position);top:22.9pt;width:54pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:36.6pt;position:var(--position);text-decoration:none;white-space:pre">ECL</span></div><div style="line-height:8pt;position:var(--position);top:32.5pt;width:54pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:39.72pt;position:var(--position);text-decoration:none;white-space:pre">£m</span></div></div></div></td></tr><tr style="height:14.25pt"><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td></tr><tr style="height:14.25pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:56.25pt;width:249.75pt"><div><div style="line-height:8pt;position:var(--position);top:4.75pt;width:249.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">UK mortgages</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:249.75pt;position:var(--position);top:56.25pt;width:54pt"><div><div style="line-height:8pt;position:var(--position);top:4.75pt;width:54pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:32.76pt"></span></span><span style="left:35.39pt;position:var(--position)">602<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:309pt;position:var(--position);top:56.25pt;width:54pt"><div><div style="line-height:8pt;position:var(--position);top:4.75pt;width:54pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:43.59pt"></span></span><span style="left:46.220000000000006pt;position:var(--position)">–<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:368.25pt;position:var(--position);top:56.25pt;width:54pt"><div><div style="line-height:8pt;position:var(--position);top:4.75pt;width:54pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:38.37pt"></span></span><span style="left:41pt;position:var(--position)">67<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:427.5pt;position:var(--position);top:56.25pt;width:54pt"><div><div style="line-height:8pt;position:var(--position);top:4.75pt;width:54pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:32.65pt"></span></span><span style="left:35.28pt;position:var(--position)">669<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td></tr><tr style="height:14.25pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:70.5pt;width:249.75pt"><div><div style="line-height:8pt;position:var(--position);top:4.75pt;width:249.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Credit cards</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:249.75pt;position:var(--position);top:70.5pt;width:54pt"><div><div style="line-height:8pt;position:var(--position);top:4.75pt;width:54pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:32.94pt"></span></span><span style="left:35.57pt;position:var(--position)">589<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:309pt;position:var(--position);top:70.5pt;width:54pt"><div><div style="line-height:8pt;position:var(--position);top:4.75pt;width:54pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:43.59pt"></span></span><span style="left:46.220000000000006pt;position:var(--position)">–<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:368.25pt;position:var(--position);top:70.5pt;width:54pt"><div><div style="line-height:8pt;position:var(--position);top:4.75pt;width:54pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:37.98pt"></span></span><span style="left:40.61pt;position:var(--position)">56<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:427.5pt;position:var(--position);top:70.5pt;width:54pt"><div><div style="line-height:8pt;position:var(--position);top:4.75pt;width:54pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:32.86pt"></span></span><span style="left:35.49pt;position:var(--position)">645<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td></tr><tr style="height:14.25pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:84.75pt;width:249.75pt"><div><div style="line-height:8pt;position:var(--position);top:4.75pt;width:249.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Other Retail</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:249.75pt;position:var(--position);top:84.75pt;width:54pt"><div><div style="line-height:8pt;position:var(--position);top:4.75pt;width:54pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:32.32pt"></span></span><span style="left:34.95pt;position:var(--position)">909<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:309pt;position:var(--position);top:84.75pt;width:54pt"><div><div style="line-height:8pt;position:var(--position);top:4.75pt;width:54pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:43.59pt"></span></span><span style="left:46.220000000000006pt;position:var(--position)">–<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:368.25pt;position:var(--position);top:84.75pt;width:54pt"><div><div style="line-height:8pt;position:var(--position);top:4.75pt;width:54pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:38.64pt"></span></span><span style="left:41.27pt;position:var(--position)">73<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:427.5pt;position:var(--position);top:84.75pt;width:54pt"><div><div style="line-height:8pt;position:var(--position);top:4.75pt;width:54pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:33.03pt"></span></span><span style="left:35.660000000000004pt;position:var(--position)">982<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td></tr><tr style="height:14.25pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:99pt;width:249.75pt"><div><div style="line-height:8pt;position:var(--position);top:4.75pt;width:249.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Commercial Banking</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:249.75pt;position:var(--position);top:99pt;width:54pt"><div><div style="line-height:8pt;position:var(--position);top:4.75pt;width:54pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:33.62pt"></span></span><span style="left:36.25pt;position:var(--position)">535<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:309pt;position:var(--position);top:99pt;width:54pt"><div><div style="line-height:8pt;position:var(--position);top:4.75pt;width:54pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:32.92pt"></span></span><span style="left:35.550000000000004pt;position:var(--position)">369<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:368.25pt;position:var(--position);top:99pt;width:54pt"><div><div style="line-height:8pt;position:var(--position);top:4.75pt;width:54pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:34.81pt"></span></span><span style="left:37.440000000000005pt;position:var(--position)">(54)</span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:427.5pt;position:var(--position);top:99pt;width:54pt"><div><div style="line-height:8pt;position:var(--position);top:4.75pt;width:54pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:32.61pt"></span></span><span style="left:35.24pt;position:var(--position)">850<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td></tr><tr style="height:14.25pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:113.25pt;width:249.75pt"><div><div style="line-height:8pt;position:var(--position);top:4.75pt;width:249.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Other</span></div></div></div></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:249.75pt;position:var(--position);top:113.25pt;width:54pt"><div><div style="line-height:8pt;position:var(--position);top:4.75pt;width:54pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:44.69pt"></span></span><span style="left:47.32pt;position:var(--position)">1<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:309pt;position:var(--position);top:113.25pt;width:54pt"><div><div style="line-height:8pt;position:var(--position);top:4.75pt;width:54pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:43.59pt"></span></span><span style="left:46.220000000000006pt;position:var(--position)">–<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:368.25pt;position:var(--position);top:113.25pt;width:54pt"><div><div style="line-height:8pt;position:var(--position);top:4.75pt;width:54pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:43.59pt"></span></span><span style="left:46.220000000000006pt;position:var(--position)">–<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:427.5pt;position:var(--position);top:113.25pt;width:54pt"><div><div style="line-height:8pt;position:var(--position);top:4.75pt;width:54pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:44.69pt"></span></span><span style="left:47.32pt;position:var(--position)">1<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td></tr><tr style="height:14.25pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:127.5pt;width:249.75pt"><div><div style="line-height:8pt;position:var(--position);top:4.75pt;width:249.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Total</span></div></div></div></td><td style="border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:249.75pt;position:var(--position);top:127.5pt;width:54pt"><div><div style="line-height:8pt;position:var(--position);top:4.75pt;width:54pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:26.12pt"></span></span><span style="left:28.75pt;position:var(--position)">2,636<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:309pt;position:var(--position);top:127.5pt;width:54pt"><div><div style="line-height:8pt;position:var(--position);top:4.75pt;width:54pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:32.92pt"></span></span><span style="left:35.550000000000004pt;position:var(--position)">369<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:368.25pt;position:var(--position);top:127.5pt;width:54pt"><div><div style="line-height:8pt;position:var(--position);top:4.75pt;width:54pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:35.03pt"></span></span><span style="left:37.660000000000004pt;position:var(--position)">142<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:427.5pt;position:var(--position);top:127.5pt;width:54pt"><div><div style="line-height:8pt;position:var(--position);top:4.75pt;width:54pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:28.36pt"></span></span><span style="left:30.99pt;position:var(--position)">3,147<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td></tr><tr style="height:14.25pt"><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td></tr><tr style="height:14.25pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:156pt;width:249.75pt"><div><div style="font-size:12pt;line-height:8pt;position:var(--position);top:4.75pt;width:249.75pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">At 31 December </span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:63.64pt;position:var(--position);text-decoration:none;white-space:pre">2025</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td></tr><tr style="height:14.25pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:170.25pt;width:249.75pt"><div><div style="line-height:8pt;position:var(--position);top:4.75pt;width:249.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">UK mortgages</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:249.75pt;position:var(--position);top:170.25pt;width:54pt"><div><div style="line-height:8pt;position:var(--position);top:4.75pt;width:54pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:33.5pt"></span></span><span style="left:36.13pt;position:var(--position)">623<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:309pt;position:var(--position);top:170.25pt;width:54pt"><div><div style="line-height:8pt;position:var(--position);top:4.75pt;width:54pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:43.59pt"></span></span><span style="left:46.220000000000006pt;position:var(--position)">–<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:368.25pt;position:var(--position);top:170.25pt;width:54pt"><div><div style="line-height:8pt;position:var(--position);top:4.75pt;width:54pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:34.51pt"></span></span><span style="left:37.14pt;position:var(--position)">108<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:427.5pt;position:var(--position);top:170.25pt;width:54pt"><div><div style="line-height:8pt;position:var(--position);top:4.75pt;width:54pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:35.91pt"></span></span><span style="left:38.54pt;position:var(--position)">731<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td></tr><tr style="height:14.25pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:184.5pt;width:249.75pt"><div><div style="line-height:8pt;position:var(--position);top:4.75pt;width:249.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Credit cards</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:249.75pt;position:var(--position);top:184.5pt;width:54pt"><div><div style="line-height:8pt;position:var(--position);top:4.75pt;width:54pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:32.65pt"></span></span><span style="left:35.28pt;position:var(--position)">540<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:309pt;position:var(--position);top:184.5pt;width:54pt"><div><div style="line-height:8pt;position:var(--position);top:4.75pt;width:54pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:43.59pt"></span></span><span style="left:46.220000000000006pt;position:var(--position)">–<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:368.25pt;position:var(--position);top:184.5pt;width:54pt"><div><div style="line-height:8pt;position:var(--position);top:4.75pt;width:54pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:37.99pt"></span></span><span style="left:40.620000000000005pt;position:var(--position)">63<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:427.5pt;position:var(--position);top:184.5pt;width:54pt"><div><div style="line-height:8pt;position:var(--position);top:4.75pt;width:54pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:32.74pt"></span></span><span style="left:35.370000000000005pt;position:var(--position)">603<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td></tr><tr style="height:14.25pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:198.75pt;width:249.75pt"><div><div style="line-height:8pt;position:var(--position);top:4.75pt;width:249.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Other Retail</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:249.75pt;position:var(--position);top:198.75pt;width:54pt"><div><div style="line-height:8pt;position:var(--position);top:4.75pt;width:54pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:34.93pt"></span></span><span style="left:37.56pt;position:var(--position)">916<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:309pt;position:var(--position);top:198.75pt;width:54pt"><div><div style="line-height:8pt;position:var(--position);top:4.75pt;width:54pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:43.59pt"></span></span><span style="left:46.220000000000006pt;position:var(--position)">–<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:368.25pt;position:var(--position);top:198.75pt;width:54pt"><div><div style="line-height:8pt;position:var(--position);top:4.75pt;width:54pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:38.81pt"></span></span><span style="left:41.440000000000005pt;position:var(--position)">75<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:427.5pt;position:var(--position);top:198.75pt;width:54pt"><div><div style="line-height:8pt;position:var(--position);top:4.75pt;width:54pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:34.93pt"></span></span><span style="left:37.56pt;position:var(--position)">991<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td></tr><tr style="height:14.25pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:213pt;width:249.75pt"><div><div style="line-height:8pt;position:var(--position);top:4.75pt;width:249.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Commercial Banking</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:249.75pt;position:var(--position);top:213pt;width:54pt"><div><div style="line-height:8pt;position:var(--position);top:4.75pt;width:54pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:33.41pt"></span></span><span style="left:36.04pt;position:var(--position)">542<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:309pt;position:var(--position);top:213pt;width:54pt"><div><div style="line-height:8pt;position:var(--position);top:4.75pt;width:54pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:33.22pt"></span></span><span style="left:35.85pt;position:var(--position)">354<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:368.25pt;position:var(--position);top:213pt;width:54pt"><div><div style="line-height:8pt;position:var(--position);top:4.75pt;width:54pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:37.32pt"></span></span><span style="left:39.95pt;position:var(--position)">(21)<span style="display:inline-block;height:6.4pt;width:0.07pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:427.5pt;position:var(--position);top:213pt;width:54pt"><div><div style="line-height:8pt;position:var(--position);top:4.75pt;width:54pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:33.8pt"></span></span><span style="left:36.43pt;position:var(--position)">875<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td></tr><tr style="height:14.25pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:227.25pt;width:249.75pt"><div><div style="line-height:8pt;position:var(--position);top:4.75pt;width:249.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Other</span></div></div></div></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:249.75pt;position:var(--position);top:227.25pt;width:54pt"><div><div style="line-height:8pt;position:var(--position);top:4.75pt;width:54pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:44.77pt"></span></span><span style="left:47.400000000000006pt;position:var(--position)">1<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:309pt;position:var(--position);top:227.25pt;width:54pt"><div><div style="line-height:8pt;position:var(--position);top:4.75pt;width:54pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:43.59pt"></span></span><span style="left:46.220000000000006pt;position:var(--position)">–<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:368.25pt;position:var(--position);top:227.25pt;width:54pt"><div><div style="line-height:8pt;position:var(--position);top:4.75pt;width:54pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:43.59pt"></span></span><span style="left:46.220000000000006pt;position:var(--position)">–<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:427.5pt;position:var(--position);top:227.25pt;width:54pt"><div><div style="line-height:8pt;position:var(--position);top:4.75pt;width:54pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:44.69pt"></span></span><span style="left:47.32pt;position:var(--position)">1<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td></tr><tr style="height:14.25pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:241.5pt;width:249.75pt"><div><div style="line-height:8pt;position:var(--position);top:4.75pt;width:249.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Total</span></div></div></div></td><td style="border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:249.75pt;position:var(--position);top:241.5pt;width:54pt"><div><div style="line-height:8pt;position:var(--position);top:4.75pt;width:54pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:26.97pt"></span></span><span style="left:29.599999999999998pt;position:var(--position)">2,622<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:309pt;position:var(--position);top:241.5pt;width:54pt"><div><div style="line-height:8pt;position:var(--position);top:4.75pt;width:54pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:33.22pt"></span></span><span style="left:35.85pt;position:var(--position)">354<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:368.25pt;position:var(--position);top:241.5pt;width:54pt"><div><div style="line-height:8pt;position:var(--position);top:4.75pt;width:54pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:34.01pt"></span></span><span style="left:36.64pt;position:var(--position)">225<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:427.5pt;position:var(--position);top:241.5pt;width:54pt"><div><div style="line-height:8pt;position:var(--position);top:4.75pt;width:54pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:28.12pt"></span></span><span style="left:30.75pt;position:var(--position)">3,201<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td></tr></tbody></table></div></div></div> -602000000 0 -67000000 -669000000 -589000000 0 -56000000 -645000000 -909000000 0 -73000000 -982000000 -535000000 -369000000 54000000 -850000000 -1000000 0 0 -1000000 -2636000000 -369000000 -142000000 -3147000000 -623000000 0 -108000000 -731000000 -540000000 0 -63000000 -603000000 -916000000 0 -75000000 -991000000 -542000000 -354000000 21000000 -875000000 -1000000 0 0 -1000000 -2622000000 -354000000 -225000000 -3201000000 -67000000 -108000000 -67000000 -85000000 0 -13000000 -56000000 -63000000 -73000000 -75000000 -49000000 -49000000 -9000000 -9000000 -37000000 -25000000 54000000 21000000 104000000 119000000 -50000000 -50000000 0 -48000000 <div style="font-size:0pt;left:56.69pt;position:var(--position);width:481.5pt"><div><table style="border-collapse:collapse;display:inline-table;width:100%"><tbody><tr style="height:0"><td style="padding:0;width:180pt"></td><td style="padding:0;width:50.25pt"></td><td style="padding:0;width:50.25pt"></td><td style="padding:0;width:50.25pt"></td><td style="padding:0;width:50.25pt"></td><td style="padding:0;width:50.25pt"></td><td style="padding:0;width:50.25pt"></td></tr><tr style="height:41.25pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);width:180pt"><div><div style="font-size:12pt;line-height:8pt;position:var(--position);top:31.75pt;width:180pt"><span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">At 30 June </span><span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:43.99pt;position:var(--position);text-decoration:none;white-space:pre">2026</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:180pt;position:var(--position);width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:22.15pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:28.25pt;position:var(--position);text-decoration:none;white-space:pre">2026</span></div><div style="line-height:8pt;position:var(--position);top:31.75pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:41.12pt;position:var(--position);text-decoration:none;white-space:pre">%</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:230.25pt;position:var(--position);width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:22.15pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:28.99pt;position:var(--position);text-decoration:none;white-space:pre">2027</span></div><div style="line-height:8pt;position:var(--position);top:31.75pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:41.12pt;position:var(--position);text-decoration:none;white-space:pre">%</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:280.5pt;position:var(--position);width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:22.15pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:28.19pt;position:var(--position);text-decoration:none;white-space:pre">2028</span></div><div style="line-height:8pt;position:var(--position);top:31.75pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:41.12pt;position:var(--position);text-decoration:none;white-space:pre">%</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:330.75pt;position:var(--position);width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:22.15pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:28.25pt;position:var(--position);text-decoration:none;white-space:pre">2029</span></div><div style="line-height:8pt;position:var(--position);top:31.75pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:41.12pt;position:var(--position);text-decoration:none;white-space:pre">%</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:381pt;position:var(--position);width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:22.15pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:27.75pt;position:var(--position);text-decoration:none;white-space:pre">2030</span></div><div style="line-height:8pt;position:var(--position);top:31.75pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:41.12pt;position:var(--position);text-decoration:none;white-space:pre">%</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.95pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:28.25pt;position:var(--position);text-decoration:none;white-space:pre">2026</span></div><div style="line-height:8pt;position:var(--position);top:12.55pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:17.47pt;position:var(--position);text-decoration:none;white-space:pre">to 2030 </span></div><div style="line-height:8pt;position:var(--position);top:22.15pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:18.37pt;position:var(--position);text-decoration:none;white-space:pre">average</span></div><div style="line-height:8pt;position:var(--position);top:31.75pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:41.12pt;position:var(--position);text-decoration:none;white-space:pre">%</span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:53.25pt;width:180pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:180pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Upside</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:65.25pt;width:180pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:180pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Gross domestic product growth</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:180pt;position:var(--position);top:65.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:36.3pt;position:var(--position)"></span><span style="left:36.3pt;position:var(--position)">1.4<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:230.25pt;position:var(--position);top:65.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:34.66pt;position:var(--position)"></span><span style="left:34.66pt;position:var(--position)">2.4<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:280.5pt;position:var(--position);top:65.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:36.44pt;position:var(--position)"></span><span style="left:36.44pt;position:var(--position)">1.9<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:330.75pt;position:var(--position);top:65.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:36.44pt;position:var(--position)"></span><span style="left:36.44pt;position:var(--position)">1.6<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:381pt;position:var(--position);top:65.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:36.44pt;position:var(--position)"></span><span style="left:36.44pt;position:var(--position)">1.6<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:65.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:36.38pt;position:var(--position)"></span><span style="left:36.38pt;position:var(--position)">1.8<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:77.25pt;width:180pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:180pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Unemployment rate</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:180pt;position:var(--position);top:77.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:34.16pt;position:var(--position)"></span><span style="left:34.16pt;position:var(--position)">4.8<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:230.25pt;position:var(--position);top:77.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:35.37pt;position:var(--position)"></span><span style="left:35.37pt;position:var(--position)">3.7<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:280.5pt;position:var(--position);top:77.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:36.71pt;position:var(--position)"></span><span style="left:36.71pt;position:var(--position)">3.1<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:330.75pt;position:var(--position);top:77.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:36.71pt;position:var(--position)"></span><span style="left:36.71pt;position:var(--position)">3.1<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:381pt;position:var(--position);top:77.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:34.9pt;position:var(--position)"></span><span style="left:34.9pt;position:var(--position)">3.3<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:77.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:34.63pt;position:var(--position)"></span><span style="left:34.63pt;position:var(--position)">3.6<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:89.25pt;width:180pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:180pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">House price growth</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:180pt;position:var(--position);top:89.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:36.38pt;position:var(--position)"></span><span style="left:36.38pt;position:var(--position)">1.8<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:230.25pt;position:var(--position);top:89.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:34.57pt;position:var(--position)"></span><span style="left:34.57pt;position:var(--position)">4.5<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:280.5pt;position:var(--position);top:89.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:35.84pt;position:var(--position)"></span><span style="left:35.84pt;position:var(--position)">7.7<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:330.75pt;position:var(--position);top:89.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:35.45pt;position:var(--position)"></span><span style="left:35.45pt;position:var(--position)">7.5<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:381pt;position:var(--position);top:89.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:34.03pt;position:var(--position)"></span><span style="left:34.03pt;position:var(--position)">6.0<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:89.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:35.06pt;position:var(--position)"></span><span style="left:35.06pt;position:var(--position)">5.5<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:101.25pt;width:180pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:180pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Commercial real estate price growth</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:180pt;position:var(--position);top:101.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:34.9pt;position:var(--position)"></span><span style="left:34.9pt;position:var(--position)">3.3<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:230.25pt;position:var(--position);top:101.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:34.36pt;position:var(--position)"></span><span style="left:34.36pt;position:var(--position)">6.6<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:280.5pt;position:var(--position);top:101.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:36.71pt;position:var(--position)"></span><span style="left:36.71pt;position:var(--position)">3.1<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:330.75pt;position:var(--position);top:101.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:34.47pt;position:var(--position)"></span><span style="left:34.47pt;position:var(--position)">2.0<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:381pt;position:var(--position);top:101.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:34.77pt;position:var(--position)"></span><span style="left:34.77pt;position:var(--position)">0.7<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:101.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:36.71pt;position:var(--position)"></span><span style="left:36.71pt;position:var(--position)">3.1<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:113.25pt;width:180pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:180pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">UK Bank Rate</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:180pt;position:var(--position);top:113.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:29.94pt;position:var(--position)"></span><span style="left:29.94pt;position:var(--position)">3.85<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:230.25pt;position:var(--position);top:113.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:29.98pt;position:var(--position)"></span><span style="left:29.98pt;position:var(--position)">4.79<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:280.5pt;position:var(--position);top:113.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:31.81pt;position:var(--position)"></span><span style="left:31.81pt;position:var(--position)">5.19<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:330.75pt;position:var(--position);top:113.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:29.59pt;position:var(--position)"></span><span style="left:29.59pt;position:var(--position)">5.46<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:381pt;position:var(--position);top:113.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:30.08pt;position:var(--position)"></span><span style="left:30.08pt;position:var(--position)">5.65<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:113.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:29.24pt;position:var(--position)"></span><span style="left:29.24pt;position:var(--position)">4.99<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:125.25pt;width:180pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:180pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">CPI inflation</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:180pt;position:var(--position);top:125.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:36.71pt;position:var(--position)"></span><span style="left:36.71pt;position:var(--position)">3.1<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:230.25pt;position:var(--position);top:125.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:35.15pt;position:var(--position)"></span><span style="left:35.15pt;position:var(--position)">2.5<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:280.5pt;position:var(--position);top:125.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:35.24pt;position:var(--position)"></span><span style="left:35.24pt;position:var(--position)">2.2<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:330.75pt;position:var(--position);top:125.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:35.54pt;position:var(--position)"></span><span style="left:35.54pt;position:var(--position)">2.7<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:381pt;position:var(--position);top:125.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:34.3pt;position:var(--position)"></span><span style="left:34.3pt;position:var(--position)">3.0<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:125.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:35.54pt;position:var(--position)"></span><span style="left:35.54pt;position:var(--position)">2.7<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:149.25pt;width:180pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:180pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Base case</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:161.25pt;width:180pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:180pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Gross domestic product growth</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:180pt;position:var(--position);top:161.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:36.11pt;position:var(--position)"></span><span style="left:36.11pt;position:var(--position)">1.0<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:230.25pt;position:var(--position);top:161.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:36.11pt;position:var(--position)"></span><span style="left:36.11pt;position:var(--position)">1.0<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:280.5pt;position:var(--position);top:161.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:36.79pt;position:var(--position)"></span><span style="left:36.79pt;position:var(--position)">1.5<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:330.75pt;position:var(--position);top:161.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:36.44pt;position:var(--position)"></span><span style="left:36.44pt;position:var(--position)">1.6<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:381pt;position:var(--position);top:161.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:36.44pt;position:var(--position)"></span><span style="left:36.44pt;position:var(--position)">1.6<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:161.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:36.3pt;position:var(--position)"></span><span style="left:36.3pt;position:var(--position)">1.4<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:173.25pt;width:180pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:180pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Unemployment rate</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:180pt;position:var(--position);top:173.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:35.15pt;position:var(--position)"></span><span style="left:35.15pt;position:var(--position)">5.2<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:230.25pt;position:var(--position);top:173.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:34.57pt;position:var(--position)"></span><span style="left:34.57pt;position:var(--position)">5.4<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:280.5pt;position:var(--position);top:173.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:34.38pt;position:var(--position)"></span><span style="left:34.38pt;position:var(--position)">5.0<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:330.75pt;position:var(--position);top:173.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:34.96pt;position:var(--position)"></span><span style="left:34.96pt;position:var(--position)">4.7<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:381pt;position:var(--position);top:173.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:34.96pt;position:var(--position)"></span><span style="left:34.96pt;position:var(--position)">4.7<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:173.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:34.38pt;position:var(--position)"></span><span style="left:34.38pt;position:var(--position)">5.0<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:185.25pt;width:180pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:180pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">House price growth</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:180pt;position:var(--position);top:185.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:34.03pt;position:var(--position)"></span><span style="left:34.03pt;position:var(--position)">0.9<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:230.25pt;position:var(--position);top:185.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:36.88pt;position:var(--position)"></span><span style="left:36.88pt;position:var(--position)">1.2<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:280.5pt;position:var(--position);top:185.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:34.47pt;position:var(--position)"></span><span style="left:34.47pt;position:var(--position)">2.0<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:330.75pt;position:var(--position);top:185.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:34.49pt;position:var(--position)"></span><span style="left:34.49pt;position:var(--position)">3.4<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:381pt;position:var(--position);top:185.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:34.49pt;position:var(--position)"></span><span style="left:34.49pt;position:var(--position)">3.4<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:185.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:35.24pt;position:var(--position)"></span><span style="left:35.24pt;position:var(--position)">2.2<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:197.25pt;width:180pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:180pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Commercial real estate price growth</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:180pt;position:var(--position);top:197.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:31.27pt;position:var(--position)"></span><span style="left:31.27pt;position:var(--position)">(0.3)</span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:230.25pt;position:var(--position);top:197.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:33.7pt;position:var(--position)"></span><span style="left:33.7pt;position:var(--position)">0.0<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:280.5pt;position:var(--position);top:197.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:34.03pt;position:var(--position)"></span><span style="left:34.03pt;position:var(--position)">0.9<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:330.75pt;position:var(--position);top:197.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:33.97pt;position:var(--position)"></span><span style="left:33.97pt;position:var(--position)">0.8<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:381pt;position:var(--position);top:197.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:33.7pt;position:var(--position)"></span><span style="left:33.7pt;position:var(--position)">0.0<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:197.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:34.3pt;position:var(--position)"></span><span style="left:34.3pt;position:var(--position)">0.3<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:209.25pt;width:180pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:180pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">UK Bank Rate</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:180pt;position:var(--position);top:209.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:30.74pt;position:var(--position)"></span><span style="left:30.74pt;position:var(--position)">3.75<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:230.25pt;position:var(--position);top:209.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:29.92pt;position:var(--position)"></span><span style="left:29.92pt;position:var(--position)">3.63<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:280.5pt;position:var(--position);top:209.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:29.67pt;position:var(--position)"></span><span style="left:29.67pt;position:var(--position)">3.50<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:330.75pt;position:var(--position);top:209.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:29.67pt;position:var(--position)"></span><span style="left:29.67pt;position:var(--position)">3.50<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:381pt;position:var(--position);top:209.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:29.67pt;position:var(--position)"></span><span style="left:29.67pt;position:var(--position)">3.50<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:209.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:29.94pt;position:var(--position)"></span><span style="left:29.94pt;position:var(--position)">3.58<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:221.25pt;width:180pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:180pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">CPI inflation</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:180pt;position:var(--position);top:221.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:36.71pt;position:var(--position)"></span><span style="left:36.71pt;position:var(--position)">3.1<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:230.25pt;position:var(--position);top:221.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:34.66pt;position:var(--position)"></span><span style="left:34.66pt;position:var(--position)">2.4<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:280.5pt;position:var(--position);top:221.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:36.38pt;position:var(--position)"></span><span style="left:36.38pt;position:var(--position)">1.8<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:330.75pt;position:var(--position);top:221.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:36.38pt;position:var(--position)"></span><span style="left:36.38pt;position:var(--position)">1.8<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:381pt;position:var(--position);top:221.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:34.47pt;position:var(--position)"></span><span style="left:34.47pt;position:var(--position)">2.0<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:221.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:35.24pt;position:var(--position)"></span><span style="left:35.24pt;position:var(--position)">2.2<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:245.25pt;width:180pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:180pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Downside</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:257.25pt;width:180pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:180pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Gross domestic product growth</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:180pt;position:var(--position);top:257.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:34.03pt;position:var(--position)"></span><span style="left:34.03pt;position:var(--position)">0.6<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:230.25pt;position:var(--position);top:257.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:33.85pt;position:var(--position)"></span><span style="left:33.85pt;position:var(--position)">(1.2)</span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:280.5pt;position:var(--position);top:257.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:34.38pt;position:var(--position)"></span><span style="left:34.38pt;position:var(--position)">0.5<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:330.75pt;position:var(--position);top:257.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:36.3pt;position:var(--position)"></span><span style="left:36.3pt;position:var(--position)">1.4<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:381pt;position:var(--position);top:257.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:37.18pt;position:var(--position)"></span><span style="left:37.18pt;position:var(--position)">1.7<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:257.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:34.03pt;position:var(--position)"></span><span style="left:34.03pt;position:var(--position)">0.6<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:269.25pt;width:180pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:180pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Unemployment rate</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:180pt;position:var(--position);top:269.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:34.71pt;position:var(--position)"></span><span style="left:34.71pt;position:var(--position)">5.6<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:230.25pt;position:var(--position);top:269.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:35.45pt;position:var(--position)"></span><span style="left:35.45pt;position:var(--position)">7.5<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:280.5pt;position:var(--position);top:269.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:35.84pt;position:var(--position)"></span><span style="left:35.84pt;position:var(--position)">7.7<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:330.75pt;position:var(--position);top:269.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:35.37pt;position:var(--position)"></span><span style="left:35.37pt;position:var(--position)">7.3<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:381pt;position:var(--position);top:269.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:34.77pt;position:var(--position)"></span><span style="left:34.77pt;position:var(--position)">7.0<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:269.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:34.77pt;position:var(--position)"></span><span style="left:34.77pt;position:var(--position)">7.0<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:281.25pt;width:180pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:180pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">House price growth</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:180pt;position:var(--position);top:281.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:33.7pt;position:var(--position)"></span><span style="left:33.7pt;position:var(--position)">0.0<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:230.25pt;position:var(--position);top:281.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:31.63pt;position:var(--position)"></span><span style="left:31.63pt;position:var(--position)">(2.4)</span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:280.5pt;position:var(--position);top:281.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:31.54pt;position:var(--position)"></span><span style="left:31.54pt;position:var(--position)">(5.4)</span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:330.75pt;position:var(--position);top:281.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:32.04pt;position:var(--position)"></span><span style="left:32.04pt;position:var(--position)">(3.2)</span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:381pt;position:var(--position);top:281.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:33.68pt;position:var(--position)"></span><span style="left:33.68pt;position:var(--position)">(1.3)</span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:281.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:32.12pt;position:var(--position)"></span><span style="left:32.12pt;position:var(--position)">(2.5)</span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:293.25pt;width:180pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:180pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Commercial real estate price growth</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:180pt;position:var(--position);top:293.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:31.95pt;position:var(--position)"></span><span style="left:31.95pt;position:var(--position)">(3.5)</span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:230.25pt;position:var(--position);top:293.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:32.01pt;position:var(--position)"></span><span style="left:32.01pt;position:var(--position)">(8.7)</span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:280.5pt;position:var(--position);top:293.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:32.04pt;position:var(--position)"></span><span style="left:32.04pt;position:var(--position)">(3.2)</span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:330.75pt;position:var(--position);top:293.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:33.85pt;position:var(--position)"></span><span style="left:33.85pt;position:var(--position)">(2.1)</span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:381pt;position:var(--position);top:293.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:32.51pt;position:var(--position)"></span><span style="left:32.51pt;position:var(--position)">(2.7)</span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:293.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:30.86pt;position:var(--position)"></span><span style="left:30.86pt;position:var(--position)">(4.0)</span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:305.25pt;width:180pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:180pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">UK Bank Rate</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:180pt;position:var(--position);top:305.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:30pt;position:var(--position)"></span><span style="left:30pt;position:var(--position)">3.65<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:230.25pt;position:var(--position);top:305.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:29.35pt;position:var(--position)"></span><span style="left:29.35pt;position:var(--position)">2.04<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:280.5pt;position:var(--position);top:305.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:30.99pt;position:var(--position)"></span><span style="left:30.99pt;position:var(--position)">1.04<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:330.75pt;position:var(--position);top:305.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:31.87pt;position:var(--position)"></span><span style="left:31.87pt;position:var(--position)">0.71<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:381pt;position:var(--position);top:305.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:28.91pt;position:var(--position)"></span><span style="left:28.91pt;position:var(--position)">0.49<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:305.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:31.81pt;position:var(--position)"></span><span style="left:31.81pt;position:var(--position)">1.59<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:317.25pt;width:180pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:180pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">CPI inflation</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:180pt;position:var(--position);top:317.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:36.71pt;position:var(--position)"></span><span style="left:36.71pt;position:var(--position)">3.1<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:230.25pt;position:var(--position);top:317.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:35.07pt;position:var(--position)"></span><span style="left:35.07pt;position:var(--position)">2.3<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:280.5pt;position:var(--position);top:317.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:36.88pt;position:var(--position)"></span><span style="left:36.88pt;position:var(--position)">1.2<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:330.75pt;position:var(--position);top:317.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:34.77pt;position:var(--position)"></span><span style="left:34.77pt;position:var(--position)">0.7<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:381pt;position:var(--position);top:317.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:34.03pt;position:var(--position)"></span><span style="left:34.03pt;position:var(--position)">0.6<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:317.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:36.44pt;position:var(--position)"></span><span style="left:36.44pt;position:var(--position)">1.6<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:341.25pt;width:180pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:180pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Severe downside</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:353.25pt;width:180pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:180pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Gross domestic product growth</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:180pt;position:var(--position);top:353.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:36.11pt;position:var(--position)"></span><span style="left:36.11pt;position:var(--position)">0.1<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:230.25pt;position:var(--position);top:353.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:31.87pt;position:var(--position)"></span><span style="left:31.87pt;position:var(--position)">(3.3)</span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:280.5pt;position:var(--position);top:353.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:33.08pt;position:var(--position)"></span><span style="left:33.08pt;position:var(--position)">(0.1)</span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:330.75pt;position:var(--position);top:353.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:36.88pt;position:var(--position)"></span><span style="left:36.88pt;position:var(--position)">1.2<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:381pt;position:var(--position);top:353.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:36.79pt;position:var(--position)"></span><span style="left:36.79pt;position:var(--position)">1.5<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:353.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:33.08pt;position:var(--position)"></span><span style="left:33.08pt;position:var(--position)">(0.1)</span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:365.25pt;width:180pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:180pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Unemployment rate</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:180pt;position:var(--position);top:365.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:34.8pt;position:var(--position)"></span><span style="left:34.8pt;position:var(--position)">6.2<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:230.25pt;position:var(--position);top:365.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:33.21pt;position:var(--position)"></span><span style="left:33.21pt;position:var(--position)">10.1<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:280.5pt;position:var(--position);top:365.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:30.99pt;position:var(--position)"></span><span style="left:30.99pt;position:var(--position)">10.4<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:330.75pt;position:var(--position);top:365.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:34.3pt;position:var(--position)"></span><span style="left:34.3pt;position:var(--position)">9.8<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:381pt;position:var(--position);top:365.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:34.63pt;position:var(--position)"></span><span style="left:34.63pt;position:var(--position)">9.3<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:365.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:34.8pt;position:var(--position)"></span><span style="left:34.8pt;position:var(--position)">9.2<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:377.25pt;width:180pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:180pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">House price growth</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:180pt;position:var(--position);top:377.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:33.08pt;position:var(--position)"></span><span style="left:33.08pt;position:var(--position)">(1.0)</span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:230.25pt;position:var(--position);top:377.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:33.76pt;position:var(--position)"></span><span style="left:33.76pt;position:var(--position)">(5.1)</span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:280.5pt;position:var(--position);top:377.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:28.73pt;position:var(--position)"></span><span style="left:28.73pt;position:var(--position)">(12.4)</span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:330.75pt;position:var(--position);top:377.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:31.77pt;position:var(--position)"></span><span style="left:31.77pt;position:var(--position)">(9.2)</span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:381pt;position:var(--position);top:377.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:31pt;position:var(--position)"></span><span style="left:31pt;position:var(--position)">(6.0)</span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:377.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:31.27pt;position:var(--position)"></span><span style="left:31.27pt;position:var(--position)">(6.8)</span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:389.25pt;width:180pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:180pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Commercial real estate price growth</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:180pt;position:var(--position);top:389.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:31.27pt;position:var(--position)"></span><span style="left:31.27pt;position:var(--position)">(8.6)</span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:230.25pt;position:var(--position);top:389.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:29.11pt;position:var(--position)"></span><span style="left:29.11pt;position:var(--position)">(17.8)</span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:280.5pt;position:var(--position);top:389.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:32.01pt;position:var(--position)"></span><span style="left:32.01pt;position:var(--position)">(8.7)</span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:330.75pt;position:var(--position);top:389.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:31.68pt;position:var(--position)"></span><span style="left:31.68pt;position:var(--position)">(6.5)</span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:381pt;position:var(--position);top:389.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:33.41pt;position:var(--position)"></span><span style="left:33.41pt;position:var(--position)">(6.1)</span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:389.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:31.33pt;position:var(--position)"></span><span style="left:31.33pt;position:var(--position)">(9.6)</span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:401.25pt;width:180pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:180pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">UK Bank Rate</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:180pt;position:var(--position);top:401.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:29.51pt;position:var(--position)"></span><span style="left:29.51pt;position:var(--position)">3.49<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:230.25pt;position:var(--position);top:401.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:28.91pt;position:var(--position)"></span><span style="left:28.91pt;position:var(--position)">0.64<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:280.5pt;position:var(--position);top:401.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:29.46pt;position:var(--position)"></span><span style="left:29.46pt;position:var(--position)">0.07<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:330.75pt;position:var(--position);top:401.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:29.16pt;position:var(--position)"></span><span style="left:29.16pt;position:var(--position)">0.02<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:381pt;position:var(--position);top:401.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:30.8pt;position:var(--position)"></span><span style="left:30.8pt;position:var(--position)">0.01<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:401.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:29.34pt;position:var(--position)"></span><span style="left:29.34pt;position:var(--position)">0.85<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:413.25pt;width:180pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:180pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">CPI inflation</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:180pt;position:var(--position);top:413.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:36.71pt;position:var(--position)"></span><span style="left:36.71pt;position:var(--position)">3.1<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:230.25pt;position:var(--position);top:413.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:35.24pt;position:var(--position)"></span><span style="left:35.24pt;position:var(--position)">2.2<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:280.5pt;position:var(--position);top:413.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:34.03pt;position:var(--position)"></span><span style="left:34.03pt;position:var(--position)">0.6<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:330.75pt;position:var(--position);top:413.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:31.35pt;position:var(--position)"></span><span style="left:31.35pt;position:var(--position)">(0.5)</span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:381pt;position:var(--position);top:413.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:33.08pt;position:var(--position)"></span><span style="left:33.08pt;position:var(--position)">(1.0)</span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:413.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:34.03pt;position:var(--position)"></span><span style="left:34.03pt;position:var(--position)">0.9<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:437.25pt;width:180pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:180pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Probability-weighted</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:449.25pt;width:180pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:180pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Gross domestic product growth</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:180pt;position:var(--position);top:449.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:34.03pt;position:var(--position)"></span><span style="left:34.03pt;position:var(--position)">0.9<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:230.25pt;position:var(--position);top:449.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:33.89pt;position:var(--position)"></span><span style="left:33.89pt;position:var(--position)">0.4<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:280.5pt;position:var(--position);top:449.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:38.52pt;position:var(--position)"></span><span style="left:38.52pt;position:var(--position)">1.1<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:330.75pt;position:var(--position);top:449.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:36.79pt;position:var(--position)"></span><span style="left:36.79pt;position:var(--position)">1.5<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:381pt;position:var(--position);top:449.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:36.44pt;position:var(--position)"></span><span style="left:36.44pt;position:var(--position)">1.6<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:449.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:38.52pt;position:var(--position)"></span><span style="left:38.52pt;position:var(--position)">1.1<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:461.25pt;width:180pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:180pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Unemployment rate</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:180pt;position:var(--position);top:461.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:34.98pt;position:var(--position)"></span><span style="left:34.98pt;position:var(--position)">5.3<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:230.25pt;position:var(--position);top:461.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:34.03pt;position:var(--position)"></span><span style="left:34.03pt;position:var(--position)">6.0<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:280.5pt;position:var(--position);top:461.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:34.65pt;position:var(--position)"></span><span style="left:34.65pt;position:var(--position)">5.8<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:330.75pt;position:var(--position);top:461.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:35.06pt;position:var(--position)"></span><span style="left:35.06pt;position:var(--position)">5.5<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:381pt;position:var(--position);top:461.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:34.57pt;position:var(--position)"></span><span style="left:34.57pt;position:var(--position)">5.4<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:461.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:34.71pt;position:var(--position)"></span><span style="left:34.71pt;position:var(--position)">5.6<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:473.25pt;width:180pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:180pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">House price growth</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:180pt;position:var(--position);top:473.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:34.77pt;position:var(--position)"></span><span style="left:34.77pt;position:var(--position)">0.7<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:230.25pt;position:var(--position);top:473.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:34.38pt;position:var(--position)"></span><span style="left:34.38pt;position:var(--position)">0.5<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:280.5pt;position:var(--position);top:473.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:33.7pt;position:var(--position)"></span><span style="left:33.7pt;position:var(--position)">0.0<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:330.75pt;position:var(--position);top:473.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:36.3pt;position:var(--position)"></span><span style="left:36.3pt;position:var(--position)">1.4<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:381pt;position:var(--position);top:473.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:36.38pt;position:var(--position)"></span><span style="left:36.38pt;position:var(--position)">1.8<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:473.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:34.03pt;position:var(--position)"></span><span style="left:34.03pt;position:var(--position)">0.9<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:485.25pt;width:180pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:180pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Commercial real estate price growth</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:180pt;position:var(--position);top:485.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:33.08pt;position:var(--position)"></span><span style="left:33.08pt;position:var(--position)">(1.0)</span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:230.25pt;position:var(--position);top:485.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:31.63pt;position:var(--position)"></span><span style="left:31.63pt;position:var(--position)">(2.4)</span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:280.5pt;position:var(--position);top:485.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:31pt;position:var(--position)"></span><span style="left:31pt;position:var(--position)">(0.6)</span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:330.75pt;position:var(--position);top:485.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:30.86pt;position:var(--position)"></span><span style="left:30.86pt;position:var(--position)">(0.4)</span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:381pt;position:var(--position);top:485.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:33.85pt;position:var(--position)"></span><span style="left:33.85pt;position:var(--position)">(1.2)</span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:485.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:35.49pt;position:var(--position)"></span><span style="left:35.49pt;position:var(--position)">(1.1)</span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:497.25pt;width:180pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:180pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">UK Bank Rate</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:180pt;position:var(--position);top:497.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:30.83pt;position:var(--position)"></span><span style="left:30.83pt;position:var(--position)">3.72<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:230.25pt;position:var(--position);top:497.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:29.76pt;position:var(--position)"></span><span style="left:29.76pt;position:var(--position)">3.20<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:280.5pt;position:var(--position);top:497.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:30.09pt;position:var(--position)"></span><span style="left:30.09pt;position:var(--position)">2.93<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:330.75pt;position:var(--position);top:497.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:29.49pt;position:var(--position)"></span><span style="left:29.49pt;position:var(--position)">2.90<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:381pt;position:var(--position);top:497.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:29.76pt;position:var(--position)"></span><span style="left:29.76pt;position:var(--position)">2.89<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:497.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:32pt;position:var(--position)"></span><span style="left:32pt;position:var(--position)">3.13<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:509.25pt;width:180pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:180pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">CPI inflation</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:180pt;position:var(--position);top:509.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:36.71pt;position:var(--position)"></span><span style="left:36.71pt;position:var(--position)">3.1<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:230.25pt;position:var(--position);top:509.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:35.07pt;position:var(--position)"></span><span style="left:35.07pt;position:var(--position)">2.3<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:280.5pt;position:var(--position);top:509.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:36.44pt;position:var(--position)"></span><span style="left:36.44pt;position:var(--position)">1.6<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:330.75pt;position:var(--position);top:509.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:36.79pt;position:var(--position)"></span><span style="left:36.79pt;position:var(--position)">1.5<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:381pt;position:var(--position);top:509.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:36.44pt;position:var(--position)"></span><span style="left:36.44pt;position:var(--position)">1.6<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:509.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:34.47pt;position:var(--position)"></span><span style="left:34.47pt;position:var(--position)">2.0<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td></tr></tbody></table></div></div><div><div style="font-size:12pt;line-height:9pt;position:var(--position);top:56.69pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:9pt;font-style:normal;font-weight:bold;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre">NOTES TO THE CONDENSED CONSOLIDATED HALF-YEAR FINANCIAL STATEMENTS (UNAUDITED)</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:485.73pt;position:var(--position);text-decoration:none;white-space:pre"> (continued)</span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);top:75.49pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:9pt;font-style:normal;font-weight:bold;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre">Note 10: Allowance for expected credit losses</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:251.52pt;position:var(--position);text-decoration:none;white-space:pre"> (continued)</span></div><div style="position:var(--position);top:94.29pt;width:594.99pt"><div style="font-size:0pt;left:56.69pt;position:var(--position);width:481.5pt"><div><table style="border-collapse:collapse;display:inline-table;width:100%"><tbody><tr style="height:0"><td style="padding:0;width:180pt"></td><td style="padding:0;width:50.25pt"></td><td style="padding:0;width:50.25pt"></td><td style="padding:0;width:50.25pt"></td><td style="padding:0;width:50.25pt"></td><td style="padding:0;width:50.25pt"></td><td style="padding:0;width:50.25pt"></td></tr><tr style="height:41.25pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);width:180pt"><div><div style="font-size:12pt;line-height:8pt;position:var(--position);top:31.75pt;width:180pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">At 31 December </span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:63.64pt;position:var(--position);text-decoration:none;white-space:pre">2025</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:180pt;position:var(--position);width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:22.15pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:28.79pt;position:var(--position);text-decoration:none;white-space:pre">2025</span></div><div style="line-height:8pt;position:var(--position);top:31.75pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:41.12pt;position:var(--position);text-decoration:none;white-space:pre">%</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:230.25pt;position:var(--position);width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:22.15pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:28.47pt;position:var(--position);text-decoration:none;white-space:pre">2026</span></div><div style="line-height:8pt;position:var(--position);top:31.75pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:41.12pt;position:var(--position);text-decoration:none;white-space:pre">%</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:280.5pt;position:var(--position);width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:22.15pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:29.21pt;position:var(--position);text-decoration:none;white-space:pre">2027</span></div><div style="line-height:8pt;position:var(--position);top:31.75pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:41.12pt;position:var(--position);text-decoration:none;white-space:pre">%</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:330.75pt;position:var(--position);width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:22.15pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:28.38pt;position:var(--position);text-decoration:none;white-space:pre">2028</span></div><div style="line-height:8pt;position:var(--position);top:31.75pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:41.12pt;position:var(--position);text-decoration:none;white-space:pre">%</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:381pt;position:var(--position);width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:22.15pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:28.47pt;position:var(--position);text-decoration:none;white-space:pre">2029</span></div><div style="line-height:8pt;position:var(--position);top:31.75pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:41.12pt;position:var(--position);text-decoration:none;white-space:pre">%</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.95pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:28.79pt;position:var(--position);text-decoration:none;white-space:pre">2025</span></div><div style="line-height:8pt;position:var(--position);top:12.55pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:18.23pt;position:var(--position);text-decoration:none;white-space:pre">to 2029 </span></div><div style="line-height:8pt;position:var(--position);top:22.15pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:18.62pt;position:var(--position);text-decoration:none;white-space:pre">average</span></div><div style="line-height:8pt;position:var(--position);top:31.75pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:41.12pt;position:var(--position);text-decoration:none;white-space:pre">%</span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:53.25pt;width:180pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:180pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Upside</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:65.25pt;width:180pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:180pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Gross domestic product growth</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:180pt;position:var(--position);top:65.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:36.51pt;position:var(--position)"></span><span style="left:36.51pt;position:var(--position)">1.4<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:230.25pt;position:var(--position);top:65.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:34.68pt;position:var(--position)"></span><span style="left:34.68pt;position:var(--position)">2.0<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:280.5pt;position:var(--position);top:65.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:35.25pt;position:var(--position)"></span><span style="left:35.25pt;position:var(--position)">2.3<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:330.75pt;position:var(--position);top:65.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:36.68pt;position:var(--position)"></span><span style="left:36.68pt;position:var(--position)">1.6<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:381pt;position:var(--position);top:65.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:36.68pt;position:var(--position)"></span><span style="left:36.68pt;position:var(--position)">1.6<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:65.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:36.59pt;position:var(--position)"></span><span style="left:36.59pt;position:var(--position)">1.8<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:77.25pt;width:180pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:180pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Unemployment rate</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:180pt;position:var(--position);top:77.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:34.32pt;position:var(--position)"></span><span style="left:34.32pt;position:var(--position)">4.8<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:230.25pt;position:var(--position);top:77.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:34.84pt;position:var(--position)"></span><span style="left:34.84pt;position:var(--position)">4.2<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:280.5pt;position:var(--position);top:77.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:35.25pt;position:var(--position)"></span><span style="left:35.25pt;position:var(--position)">3.2<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:330.75pt;position:var(--position);top:77.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:36.92pt;position:var(--position)"></span><span style="left:36.92pt;position:var(--position)">3.1<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:381pt;position:var(--position);top:77.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:35.25pt;position:var(--position)"></span><span style="left:35.25pt;position:var(--position)">3.2<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:77.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:35.56pt;position:var(--position)"></span><span style="left:35.56pt;position:var(--position)">3.7<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:89.25pt;width:180pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:180pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">House price growth</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:180pt;position:var(--position);top:89.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:34.16pt;position:var(--position)"></span><span style="left:34.16pt;position:var(--position)">0.8<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:230.25pt;position:var(--position);top:89.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:35.14pt;position:var(--position)"></span><span style="left:35.14pt;position:var(--position)">3.5<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:280.5pt;position:var(--position);top:89.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:37.42pt;position:var(--position)"></span><span style="left:37.42pt;position:var(--position)">7.1<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:330.75pt;position:var(--position);top:89.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:34.58pt;position:var(--position)"></span><span style="left:34.58pt;position:var(--position)">6.9<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:381pt;position:var(--position);top:89.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:34.25pt;position:var(--position)"></span><span style="left:34.25pt;position:var(--position)">6.0<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:89.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:34.32pt;position:var(--position)"></span><span style="left:34.32pt;position:var(--position)">4.8<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:101.25pt;width:180pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:180pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Commercial real estate price growth</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:180pt;position:var(--position);top:101.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:37.11pt;position:var(--position)"></span><span style="left:37.11pt;position:var(--position)">1.2<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:230.25pt;position:var(--position);top:101.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:35.32pt;position:var(--position)"></span><span style="left:35.32pt;position:var(--position)">7.9<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:280.5pt;position:var(--position);top:101.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:34.41pt;position:var(--position)"></span><span style="left:34.41pt;position:var(--position)">4.9<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:330.75pt;position:var(--position);top:101.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:37.42pt;position:var(--position)"></span><span style="left:37.42pt;position:var(--position)">1.7<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:381pt;position:var(--position);top:101.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:34.16pt;position:var(--position)"></span><span style="left:34.16pt;position:var(--position)">0.8<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:101.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:35.25pt;position:var(--position)"></span><span style="left:35.25pt;position:var(--position)">3.2<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:113.25pt;width:180pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:180pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">UK Bank Rate</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:180pt;position:var(--position);top:113.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:31.83pt;position:var(--position)"></span><span style="left:31.83pt;position:var(--position)">4.13<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:230.25pt;position:var(--position);top:113.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:29.73pt;position:var(--position)"></span><span style="left:29.73pt;position:var(--position)">3.94<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:280.5pt;position:var(--position);top:113.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:29.81pt;position:var(--position)"></span><span style="left:29.81pt;position:var(--position)">4.59<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:330.75pt;position:var(--position);top:113.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:30.39pt;position:var(--position)"></span><span style="left:30.39pt;position:var(--position)">5.07<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:381pt;position:var(--position);top:113.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:30.46pt;position:var(--position)"></span><span style="left:30.46pt;position:var(--position)">5.33<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:113.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:31.59pt;position:var(--position)"></span><span style="left:31.59pt;position:var(--position)">4.61<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:125.25pt;width:180pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:180pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">CPI inflation</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:180pt;position:var(--position);top:125.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:34.65pt;position:var(--position)"></span><span style="left:34.65pt;position:var(--position)">3.4<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:230.25pt;position:var(--position);top:125.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:35.01pt;position:var(--position)"></span><span style="left:35.01pt;position:var(--position)">2.6<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:280.5pt;position:var(--position);top:125.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:34.84pt;position:var(--position)"></span><span style="left:34.84pt;position:var(--position)">2.4<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:330.75pt;position:var(--position);top:125.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:34.92pt;position:var(--position)"></span><span style="left:34.92pt;position:var(--position)">2.8<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:381pt;position:var(--position);top:125.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:36.92pt;position:var(--position)"></span><span style="left:36.92pt;position:var(--position)">3.1<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:125.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:35.01pt;position:var(--position)"></span><span style="left:35.01pt;position:var(--position)">2.9<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:149.25pt;width:180pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:180pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Base case</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:161.25pt;width:180pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:180pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Gross domestic product growth</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:180pt;position:var(--position);top:161.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:36.51pt;position:var(--position)"></span><span style="left:36.51pt;position:var(--position)">1.4<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:230.25pt;position:var(--position);top:161.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:37.11pt;position:var(--position)"></span><span style="left:37.11pt;position:var(--position)">1.2<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:280.5pt;position:var(--position);top:161.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:36.51pt;position:var(--position)"></span><span style="left:36.51pt;position:var(--position)">1.4<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:330.75pt;position:var(--position);top:161.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:37pt;position:var(--position)"></span><span style="left:37pt;position:var(--position)">1.5<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:381pt;position:var(--position);top:161.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:36.68pt;position:var(--position)"></span><span style="left:36.68pt;position:var(--position)">1.6<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:161.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:36.51pt;position:var(--position)"></span><span style="left:36.51pt;position:var(--position)">1.4<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:173.25pt;width:180pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:180pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Unemployment rate</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:180pt;position:var(--position);top:173.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:34.32pt;position:var(--position)"></span><span style="left:34.32pt;position:var(--position)">4.8<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:230.25pt;position:var(--position);top:173.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:35.33pt;position:var(--position)"></span><span style="left:35.33pt;position:var(--position)">5.2<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:280.5pt;position:var(--position);top:173.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:34.32pt;position:var(--position)"></span><span style="left:34.32pt;position:var(--position)">4.8<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:330.75pt;position:var(--position);top:173.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:34.41pt;position:var(--position)"></span><span style="left:34.41pt;position:var(--position)">4.6<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:381pt;position:var(--position);top:173.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:34.73pt;position:var(--position)"></span><span style="left:34.73pt;position:var(--position)">4.5<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:173.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:34.32pt;position:var(--position)"></span><span style="left:34.32pt;position:var(--position)">4.8<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:185.25pt;width:180pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:180pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">House price growth</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:180pt;position:var(--position);top:185.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:34.16pt;position:var(--position)"></span><span style="left:34.16pt;position:var(--position)">0.8<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:230.25pt;position:var(--position);top:185.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:36.68pt;position:var(--position)"></span><span style="left:36.68pt;position:var(--position)">1.6<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:280.5pt;position:var(--position);top:185.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:36.68pt;position:var(--position)"></span><span style="left:36.68pt;position:var(--position)">1.9<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:330.75pt;position:var(--position);top:185.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:35.44pt;position:var(--position)"></span><span style="left:35.44pt;position:var(--position)">2.2<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:381pt;position:var(--position);top:185.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:36.92pt;position:var(--position)"></span><span style="left:36.92pt;position:var(--position)">3.1<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:185.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:36.68pt;position:var(--position)"></span><span style="left:36.68pt;position:var(--position)">1.9<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:197.25pt;width:180pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:180pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Commercial real estate price growth</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:180pt;position:var(--position);top:197.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:37.11pt;position:var(--position)"></span><span style="left:37.11pt;position:var(--position)">1.2<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:230.25pt;position:var(--position);top:197.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:34.25pt;position:var(--position)"></span><span style="left:34.25pt;position:var(--position)">0.6<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:280.5pt;position:var(--position);top:197.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:37.42pt;position:var(--position)"></span><span style="left:37.42pt;position:var(--position)">1.7<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:330.75pt;position:var(--position);top:197.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:34.57pt;position:var(--position)"></span><span style="left:34.57pt;position:var(--position)">0.5<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:381pt;position:var(--position);top:197.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:34.68pt;position:var(--position)"></span><span style="left:34.68pt;position:var(--position)">0.2<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:197.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:34.25pt;position:var(--position)"></span><span style="left:34.25pt;position:var(--position)">0.9<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:209.25pt;width:180pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:180pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">UK Bank Rate</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:180pt;position:var(--position);top:209.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:31.83pt;position:var(--position)"></span><span style="left:31.83pt;position:var(--position)">4.13<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:230.25pt;position:var(--position);top:209.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:29.56pt;position:var(--position)"></span><span style="left:29.56pt;position:var(--position)">3.44<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:280.5pt;position:var(--position);top:209.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:30.65pt;position:var(--position)"></span><span style="left:30.65pt;position:var(--position)">3.25<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:330.75pt;position:var(--position);top:209.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:29.56pt;position:var(--position)"></span><span style="left:29.56pt;position:var(--position)">3.44<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:381pt;position:var(--position);top:209.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:29.89pt;position:var(--position)"></span><span style="left:29.89pt;position:var(--position)">3.50<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:209.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:30.54pt;position:var(--position)"></span><span style="left:30.54pt;position:var(--position)">3.55<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:221.25pt;width:180pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:180pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">CPI inflation</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:180pt;position:var(--position);top:221.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:34.65pt;position:var(--position)"></span><span style="left:34.65pt;position:var(--position)">3.4<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:230.25pt;position:var(--position);top:221.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:35.01pt;position:var(--position)"></span><span style="left:35.01pt;position:var(--position)">2.6<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:280.5pt;position:var(--position);top:221.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:35.44pt;position:var(--position)"></span><span style="left:35.44pt;position:var(--position)">2.2<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:330.75pt;position:var(--position);top:221.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:35.44pt;position:var(--position)"></span><span style="left:35.44pt;position:var(--position)">2.2<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:381pt;position:var(--position);top:221.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:35.25pt;position:var(--position)"></span><span style="left:35.25pt;position:var(--position)">2.3<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:221.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:35.01pt;position:var(--position)"></span><span style="left:35.01pt;position:var(--position)">2.6<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:245.25pt;width:180pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:180pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Downside</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:257.25pt;width:180pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:180pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Gross domestic product growth</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:180pt;position:var(--position);top:257.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:36.51pt;position:var(--position)"></span><span style="left:36.51pt;position:var(--position)">1.4<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:230.25pt;position:var(--position);top:257.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:31.53pt;position:var(--position)"></span><span style="left:31.53pt;position:var(--position)">(0.3)</span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:280.5pt;position:var(--position);top:257.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:31.61pt;position:var(--position)"></span><span style="left:31.61pt;position:var(--position)">(0.5)</span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:330.75pt;position:var(--position);top:257.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:38.78pt;position:var(--position)"></span><span style="left:38.78pt;position:var(--position)">1.1<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:381pt;position:var(--position);top:257.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:36.68pt;position:var(--position)"></span><span style="left:36.68pt;position:var(--position)">1.6<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:257.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:34.99pt;position:var(--position)"></span><span style="left:34.99pt;position:var(--position)">0.7<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:269.25pt;width:180pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:180pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Unemployment rate</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:180pt;position:var(--position);top:269.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:34.32pt;position:var(--position)"></span><span style="left:34.32pt;position:var(--position)">4.8<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:230.25pt;position:var(--position);top:269.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:34.58pt;position:var(--position)"></span><span style="left:34.58pt;position:var(--position)">6.6<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:280.5pt;position:var(--position);top:269.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:35.64pt;position:var(--position)"></span><span style="left:35.64pt;position:var(--position)">7.5<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:330.75pt;position:var(--position);top:269.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:35.15pt;position:var(--position)"></span><span style="left:35.15pt;position:var(--position)">7.4<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:381pt;position:var(--position);top:269.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:34.99pt;position:var(--position)"></span><span style="left:34.99pt;position:var(--position)">7.0<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:269.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:35.32pt;position:var(--position)"></span><span style="left:35.32pt;position:var(--position)">6.7<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:281.25pt;width:180pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:180pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">House price growth</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:180pt;position:var(--position);top:281.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:34.16pt;position:var(--position)"></span><span style="left:34.16pt;position:var(--position)">0.8<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:230.25pt;position:var(--position);top:281.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:31.72pt;position:var(--position)"></span><span style="left:31.72pt;position:var(--position)">(0.2)</span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:280.5pt;position:var(--position);top:281.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:32.19pt;position:var(--position)"></span><span style="left:32.19pt;position:var(--position)">(4.7)</span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:330.75pt;position:var(--position);top:281.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:32.68pt;position:var(--position)"></span><span style="left:32.68pt;position:var(--position)">(5.7)</span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:381pt;position:var(--position);top:281.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:31.96pt;position:var(--position)"></span><span style="left:31.96pt;position:var(--position)">(2.8)</span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:281.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:32.05pt;position:var(--position)"></span><span style="left:32.05pt;position:var(--position)">(2.6)</span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:293.25pt;width:180pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:180pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Commercial real estate price growth</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:180pt;position:var(--position);top:293.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:37.11pt;position:var(--position)"></span><span style="left:37.11pt;position:var(--position)">1.2<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:230.25pt;position:var(--position);top:293.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:34.46pt;position:var(--position)"></span><span style="left:34.46pt;position:var(--position)">(7.1)</span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:280.5pt;position:var(--position);top:293.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:31.88pt;position:var(--position)"></span><span style="left:31.88pt;position:var(--position)">(4.2)</span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:330.75pt;position:var(--position);top:293.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:32.79pt;position:var(--position)"></span><span style="left:32.79pt;position:var(--position)">(2.7)</span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:381pt;position:var(--position);top:293.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:32.29pt;position:var(--position)"></span><span style="left:32.29pt;position:var(--position)">(2.3)</span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:293.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:33.96pt;position:var(--position)"></span><span style="left:33.96pt;position:var(--position)">(3.1)</span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:305.25pt;width:180pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:180pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">UK Bank Rate</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:180pt;position:var(--position);top:305.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:31.83pt;position:var(--position)"></span><span style="left:31.83pt;position:var(--position)">4.13<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:230.25pt;position:var(--position);top:305.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:30.66pt;position:var(--position)"></span><span style="left:30.66pt;position:var(--position)">2.74<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:280.5pt;position:var(--position);top:305.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:31.43pt;position:var(--position)"></span><span style="left:31.43pt;position:var(--position)">1.09<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:330.75pt;position:var(--position);top:305.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:30.39pt;position:var(--position)"></span><span style="left:30.39pt;position:var(--position)">0.75<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:381pt;position:var(--position);top:305.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:30.08pt;position:var(--position)"></span><span style="left:30.08pt;position:var(--position)">0.52<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:305.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:31.99pt;position:var(--position)"></span><span style="left:31.99pt;position:var(--position)">1.85<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:317.25pt;width:180pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:180pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">CPI inflation</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:180pt;position:var(--position);top:317.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:34.65pt;position:var(--position)"></span><span style="left:34.65pt;position:var(--position)">3.4<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:230.25pt;position:var(--position);top:317.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:35.01pt;position:var(--position)"></span><span style="left:35.01pt;position:var(--position)">2.6<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:280.5pt;position:var(--position);top:317.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:34.68pt;position:var(--position)"></span><span style="left:34.68pt;position:var(--position)">2.0<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:330.75pt;position:var(--position);top:317.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:36.51pt;position:var(--position)"></span><span style="left:36.51pt;position:var(--position)">1.4<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:381pt;position:var(--position);top:317.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:36.35pt;position:var(--position)"></span><span style="left:36.35pt;position:var(--position)">1.0<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:317.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:37.11pt;position:var(--position)"></span><span style="left:37.11pt;position:var(--position)">2.1<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:341.25pt;width:180pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:180pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Severe downside</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:353.25pt;width:180pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:180pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Gross domestic product growth</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:180pt;position:var(--position);top:353.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:36.51pt;position:var(--position)"></span><span style="left:36.51pt;position:var(--position)">1.4<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:230.25pt;position:var(--position);top:353.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:33.72pt;position:var(--position)"></span><span style="left:33.72pt;position:var(--position)">(1.9)</span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:280.5pt;position:var(--position);top:353.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:33.63pt;position:var(--position)"></span><span style="left:33.63pt;position:var(--position)">(1.8)</span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:330.75pt;position:var(--position);top:353.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:34.99pt;position:var(--position)"></span><span style="left:34.99pt;position:var(--position)">0.7<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:381pt;position:var(--position);top:353.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:36.51pt;position:var(--position)"></span><span style="left:36.51pt;position:var(--position)">1.4<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:353.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:33.92pt;position:var(--position)"></span><span style="left:33.92pt;position:var(--position)">0.0<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:365.25pt;width:180pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:180pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Unemployment rate</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:180pt;position:var(--position);top:365.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:34.32pt;position:var(--position)"></span><span style="left:34.32pt;position:var(--position)">4.8<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:230.25pt;position:var(--position);top:365.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:34.73pt;position:var(--position)"></span><span style="left:34.73pt;position:var(--position)">8.3<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:280.5pt;position:var(--position);top:365.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:31.86pt;position:var(--position)"></span><span style="left:31.86pt;position:var(--position)">10.2<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:330.75pt;position:var(--position);top:365.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:34.58pt;position:var(--position)"></span><span style="left:34.58pt;position:var(--position)">9.9<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:381pt;position:var(--position);top:365.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:34.41pt;position:var(--position)"></span><span style="left:34.41pt;position:var(--position)">9.4<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:365.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:34.81pt;position:var(--position)"></span><span style="left:34.81pt;position:var(--position)">8.5<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:377.25pt;width:180pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:180pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">House price growth</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:180pt;position:var(--position);top:377.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:34.16pt;position:var(--position)"></span><span style="left:34.16pt;position:var(--position)">0.8<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:230.25pt;position:var(--position);top:377.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:34.15pt;position:var(--position)"></span><span style="left:34.15pt;position:var(--position)">(1.2)</span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:280.5pt;position:var(--position);top:377.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:33pt;position:var(--position)"></span><span style="left:33pt;position:var(--position)">(11.1)</span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:330.75pt;position:var(--position);top:377.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:29.66pt;position:var(--position)"></span><span style="left:29.66pt;position:var(--position)">(12.2)</span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:381pt;position:var(--position);top:377.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:32.27pt;position:var(--position)"></span><span style="left:32.27pt;position:var(--position)">(7.8)</span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:377.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:31.94pt;position:var(--position)"></span><span style="left:31.94pt;position:var(--position)">(6.5)</span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:389.25pt;width:180pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:180pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Commercial real estate price growth</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:180pt;position:var(--position);top:389.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:37.11pt;position:var(--position)"></span><span style="left:37.11pt;position:var(--position)">1.2<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:230.25pt;position:var(--position);top:389.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:29.37pt;position:var(--position)"></span><span style="left:29.37pt;position:var(--position)">(17.4)</span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:280.5pt;position:var(--position);top:389.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:31.53pt;position:var(--position)"></span><span style="left:31.53pt;position:var(--position)">(9.8)</span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:330.75pt;position:var(--position);top:389.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:32.19pt;position:var(--position)"></span><span style="left:32.19pt;position:var(--position)">(7.4)</span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:381pt;position:var(--position);top:389.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:31.77pt;position:var(--position)"></span><span style="left:31.77pt;position:var(--position)">(5.4)</span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:389.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:31.2pt;position:var(--position)"></span><span style="left:31.2pt;position:var(--position)">(8.0)</span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:401.25pt;width:180pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:180pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">UK Bank Rate</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:180pt;position:var(--position);top:401.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:29.2pt"></span></span><span style="left:31.83pt;position:var(--position)">4.13<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:230.25pt;position:var(--position);top:401.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:31.23pt"></span></span><span style="left:33.86pt;position:var(--position)">1.91<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:280.5pt;position:var(--position);top:401.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:28.47pt"></span></span><span style="left:31.099999999999998pt;position:var(--position)">0.10<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:330.75pt;position:var(--position);top:401.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:26.61pt"></span></span><span style="left:29.24pt;position:var(--position)">0.03<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:381pt;position:var(--position);top:401.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:28.47pt"></span></span><span style="left:31.099999999999998pt;position:var(--position)">0.01<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:401.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:29.39pt"></span></span><span style="left:32.02pt;position:var(--position)">1.24<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:413.25pt;width:180pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:180pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">CPI inflation</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:180pt;position:var(--position);top:413.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:32.02pt"></span></span><span style="left:34.650000000000006pt;position:var(--position)">3.4<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:230.25pt;position:var(--position);top:413.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:32.38pt"></span></span><span style="left:35.010000000000005pt;position:var(--position)">2.6<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:280.5pt;position:var(--position);top:413.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:34.79pt"></span></span><span style="left:37.42pt;position:var(--position)">1.7<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:330.75pt;position:var(--position);top:413.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:31.94pt"></span></span><span style="left:34.57pt;position:var(--position)">0.5<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:381pt;position:var(--position);top:413.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:28.49pt"></span></span><span style="left:31.119999999999997pt;position:var(--position)">(0.4)</span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:413.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:34.05pt"></span></span><span style="left:36.68pt;position:var(--position)">1.6<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:437.25pt;width:180pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:180pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Probability-weighted</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:449.25pt;width:180pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:180pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Gross domestic product growth</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:180pt;position:var(--position);top:449.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:33.88pt"></span></span><span style="left:36.510000000000005pt;position:var(--position)">1.4<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:230.25pt;position:var(--position);top:449.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:32.36pt"></span></span><span style="left:34.99pt;position:var(--position)">0.7<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:280.5pt;position:var(--position);top:449.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:31.53pt"></span></span><span style="left:34.160000000000004pt;position:var(--position)">0.8<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:330.75pt;position:var(--position);top:449.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:34.29pt"></span></span><span style="left:36.92pt;position:var(--position)">1.3<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:381pt;position:var(--position);top:449.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:34.05pt"></span></span><span style="left:36.68pt;position:var(--position)">1.6<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:449.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:34.48pt"></span></span><span style="left:37.11pt;position:var(--position)">1.2<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:461.25pt;width:180pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:180pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Unemployment rate</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:180pt;position:var(--position);top:461.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:31.69pt"></span></span><span style="left:34.32pt;position:var(--position)">4.8<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:230.25pt;position:var(--position);top:461.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:32.27pt"></span></span><span style="left:34.900000000000006pt;position:var(--position)">5.6<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:280.5pt;position:var(--position);top:461.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:33.01pt"></span></span><span style="left:35.64pt;position:var(--position)">5.7<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:330.75pt;position:var(--position);top:461.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:32.59pt"></span></span><span style="left:35.220000000000006pt;position:var(--position)">5.5<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:381pt;position:var(--position);top:461.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:32.1pt"></span></span><span style="left:34.730000000000004pt;position:var(--position)">5.4<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:461.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:32.1pt"></span></span><span style="left:34.730000000000004pt;position:var(--position)">5.4<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:473.25pt;width:180pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:180pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">House price growth</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:180pt;position:var(--position);top:473.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:31.53pt"></span></span><span style="left:34.160000000000004pt;position:var(--position)">0.8<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:230.25pt;position:var(--position);top:473.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:34.29pt"></span></span><span style="left:36.92pt;position:var(--position)">1.3<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:280.5pt;position:var(--position);top:473.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:32.05pt"></span></span><span style="left:34.68pt;position:var(--position)">0.2<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:330.75pt;position:var(--position);top:473.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:29.09pt"></span></span><span style="left:31.72pt;position:var(--position)">(0.2)</span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:381pt;position:var(--position);top:473.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:36.15pt"></span></span><span style="left:38.78pt;position:var(--position)">1.1<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:473.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:31.62pt"></span></span><span style="left:34.25pt;position:var(--position)">0.6<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:485.25pt;width:180pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:180pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Commercial real estate price growth</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:180pt;position:var(--position);top:485.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:34.48pt"></span></span><span style="left:37.11pt;position:var(--position)">1.2<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:230.25pt;position:var(--position);top:485.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:31.33pt"></span></span><span style="left:33.96pt;position:var(--position)">(1.3)</span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:280.5pt;position:var(--position);top:485.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:28.9pt"></span></span><span style="left:31.529999999999998pt;position:var(--position)">(0.3)</span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:330.75pt;position:var(--position);top:485.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:28.66pt"></span></span><span style="left:31.29pt;position:var(--position)">(0.9)</span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:381pt;position:var(--position);top:485.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:28.66pt"></span></span><span style="left:31.29pt;position:var(--position)">(0.9)</span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:485.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:28.49pt"></span></span><span style="left:31.119999999999997pt;position:var(--position)">(0.4)</span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:497.25pt;width:180pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:180pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">UK Bank Rate</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:180pt;position:var(--position);top:497.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:29.2pt"></span></span><span style="left:31.83pt;position:var(--position)">4.13<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:230.25pt;position:var(--position);top:497.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:27.94pt"></span></span><span style="left:30.57pt;position:var(--position)">3.23<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:280.5pt;position:var(--position);top:497.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:27.46pt"></span></span><span style="left:30.09pt;position:var(--position)">2.69<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:330.75pt;position:var(--position);top:497.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:28.11pt"></span></span><span style="left:30.74pt;position:var(--position)">2.78<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:381pt;position:var(--position);top:497.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:29.47pt"></span></span><span style="left:32.1pt;position:var(--position)">2.81<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:497.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:29.61pt"></span></span><span style="left:32.24pt;position:var(--position)">3.13<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:509.25pt;width:180pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:180pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">CPI inflation</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:180pt;position:var(--position);top:509.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:32.02pt"></span></span><span style="left:34.650000000000006pt;position:var(--position)">3.4<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:230.25pt;position:var(--position);top:509.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:32.38pt"></span></span><span style="left:35.010000000000005pt;position:var(--position)">2.6<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:280.5pt;position:var(--position);top:509.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:32.81pt"></span></span><span style="left:35.440000000000005pt;position:var(--position)">2.2<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:330.75pt;position:var(--position);top:509.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:32.05pt"></span></span><span style="left:34.68pt;position:var(--position)">2.0<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:381pt;position:var(--position);top:509.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:34.05pt"></span></span><span style="left:36.68pt;position:var(--position)">1.9<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:509.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:32.21pt"></span></span><span style="left:34.84pt;position:var(--position)">2.4<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td></tr></tbody></table></div></div></div></div><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:481.58pt">Gross domestic product growth is presented quarter-on-quarter. House price growth, commercial real estate price</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.27pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:120.69pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:481.61pt">growth and CPI inflation are presented year-on-year, i.e. from the equivalent quarter in the previous year.</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.3pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:133.29pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:349.17pt">Unemployment rate and UK Bank Rate are presented as at the end of each quarter.</span></div><div style="position:var(--position);top:153.89pt;width:594.99pt"><div style="font-size:0pt;left:56.69pt;position:var(--position);width:481.5pt"><div><table style="border-collapse:collapse;display:inline-table;width:100%"><tbody><tr style="height:0"><td style="padding:0;width:163.5pt"></td><td style="padding:0;width:39.75pt"></td><td style="padding:0;width:39.75pt"></td><td style="padding:0;width:39.75pt"></td><td style="padding:0;width:39.75pt"></td><td style="padding:0;width:39.75pt"></td><td style="padding:0;width:39.75pt"></td><td style="padding:0;width:39.75pt"></td><td style="padding:0;width:39.75pt"></td></tr><tr style="height:41.25pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);width:163.5pt"><div><div style="line-height:8pt;position:var(--position);top:31.75pt;width:163.5pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">At 30 June 2026</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:163.5pt;position:var(--position);width:39.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.95pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:20.55pt;position:var(--position);text-decoration:none;white-space:pre">First</span></div><div style="line-height:8pt;position:var(--position);top:12.55pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:9.12pt;position:var(--position);text-decoration:none;white-space:pre">quarter</span></div><div style="line-height:8pt;position:var(--position);top:22.15pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:17.75pt;position:var(--position);text-decoration:none;white-space:pre">2026</span></div><div style="line-height:8pt;position:var(--position);top:31.75pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:30.62pt;position:var(--position);text-decoration:none;white-space:pre">%</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:203.25pt;position:var(--position);width:39.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.95pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:9.32pt;position:var(--position);text-decoration:none;white-space:pre">Second</span></div><div style="line-height:8pt;position:var(--position);top:12.55pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:9.12pt;position:var(--position);text-decoration:none;white-space:pre">quarter</span></div><div style="line-height:8pt;position:var(--position);top:22.15pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:17.75pt;position:var(--position);text-decoration:none;white-space:pre">2026</span></div><div style="line-height:8pt;position:var(--position);top:31.75pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:30.62pt;position:var(--position);text-decoration:none;white-space:pre">%</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:243pt;position:var(--position);width:39.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.95pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:17.37pt;position:var(--position);text-decoration:none;white-space:pre">Third</span></div><div style="line-height:8pt;position:var(--position);top:12.55pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:9.12pt;position:var(--position);text-decoration:none;white-space:pre">quarter</span></div><div style="line-height:8pt;position:var(--position);top:22.15pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:17.75pt;position:var(--position);text-decoration:none;white-space:pre">2026</span></div><div style="line-height:8pt;position:var(--position);top:31.75pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:30.62pt;position:var(--position);text-decoration:none;white-space:pre">%</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:282.75pt;position:var(--position);width:39.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.95pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:11.87pt;position:var(--position);text-decoration:none;white-space:pre">Fourth</span></div><div style="line-height:8pt;position:var(--position);top:12.55pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:9.12pt;position:var(--position);text-decoration:none;white-space:pre">quarter</span></div><div style="line-height:8pt;position:var(--position);top:22.15pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:17.75pt;position:var(--position);text-decoration:none;white-space:pre">2026</span></div><div style="line-height:8pt;position:var(--position);top:31.75pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:30.62pt;position:var(--position);text-decoration:none;white-space:pre">%</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:322.5pt;position:var(--position);width:39.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.95pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:20.55pt;position:var(--position);text-decoration:none;white-space:pre">First</span></div><div style="line-height:8pt;position:var(--position);top:12.55pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:9.12pt;position:var(--position);text-decoration:none;white-space:pre">quarter</span></div><div style="line-height:8pt;position:var(--position);top:22.15pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:18.49pt;position:var(--position);text-decoration:none;white-space:pre">2027</span></div><div style="line-height:8pt;position:var(--position);top:31.75pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:30.62pt;position:var(--position);text-decoration:none;white-space:pre">%</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:362.25pt;position:var(--position);width:39.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.95pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:9.32pt;position:var(--position);text-decoration:none;white-space:pre">Second</span></div><div style="line-height:8pt;position:var(--position);top:12.55pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:9.12pt;position:var(--position);text-decoration:none;white-space:pre">quarter</span></div><div style="line-height:8pt;position:var(--position);top:22.15pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:18.49pt;position:var(--position);text-decoration:none;white-space:pre">2027</span></div><div style="line-height:8pt;position:var(--position);top:31.75pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:30.62pt;position:var(--position);text-decoration:none;white-space:pre">%</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:402pt;position:var(--position);width:39.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.95pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:17.37pt;position:var(--position);text-decoration:none;white-space:pre">Third</span></div><div style="line-height:8pt;position:var(--position);top:12.55pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:9.12pt;position:var(--position);text-decoration:none;white-space:pre">quarter</span></div><div style="line-height:8pt;position:var(--position);top:22.15pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:18.49pt;position:var(--position);text-decoration:none;white-space:pre">2027</span></div><div style="line-height:8pt;position:var(--position);top:31.75pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:30.62pt;position:var(--position);text-decoration:none;white-space:pre">%</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:441.75pt;position:var(--position);width:39.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.95pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:11.87pt;position:var(--position);text-decoration:none;white-space:pre">Fourth</span></div><div style="line-height:8pt;position:var(--position);top:12.55pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:9.12pt;position:var(--position);text-decoration:none;white-space:pre">quarter</span></div><div style="line-height:8pt;position:var(--position);top:22.15pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:18.49pt;position:var(--position);text-decoration:none;white-space:pre">2027</span></div><div style="line-height:8pt;position:var(--position);top:31.75pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:30.62pt;position:var(--position);text-decoration:none;white-space:pre">%</span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:53.25pt;width:163.5pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:163.5pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Gross domestic product growth</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:163.5pt;position:var(--position);top:53.25pt;width:39.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:23.53pt;position:var(--position)"></span><span style="left:23.53pt;position:var(--position)">0.6<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:203.25pt;position:var(--position);top:53.25pt;width:39.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:25.61pt;position:var(--position)"></span><span style="left:25.61pt;position:var(--position)">0.1<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:243pt;position:var(--position);top:53.25pt;width:39.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:25.61pt;position:var(--position)"></span><span style="left:25.61pt;position:var(--position)">0.1<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:282.75pt;position:var(--position);top:53.25pt;width:39.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:23.97pt;position:var(--position)"></span><span style="left:23.97pt;position:var(--position)">0.2<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:322.5pt;position:var(--position);top:53.25pt;width:39.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:23.8pt;position:var(--position)"></span><span style="left:23.8pt;position:var(--position)">0.3<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:362.25pt;position:var(--position);top:53.25pt;width:39.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:23.8pt;position:var(--position)"></span><span style="left:23.8pt;position:var(--position)">0.3<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:402pt;position:var(--position);top:53.25pt;width:39.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:23.8pt;position:var(--position)"></span><span style="left:23.8pt;position:var(--position)">0.3<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:441.75pt;position:var(--position);top:53.25pt;width:39.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:23.8pt;position:var(--position)"></span><span style="left:23.8pt;position:var(--position)">0.3<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:65.25pt;width:163.5pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:163.5pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Unemployment rate</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:163.5pt;position:var(--position);top:65.25pt;width:39.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:23.88pt;position:var(--position)"></span><span style="left:23.88pt;position:var(--position)">5.0<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:203.25pt;position:var(--position);top:65.25pt;width:39.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:23.88pt;position:var(--position)"></span><span style="left:23.88pt;position:var(--position)">5.0<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:243pt;position:var(--position);top:65.25pt;width:39.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:24.65pt;position:var(--position)"></span><span style="left:24.65pt;position:var(--position)">5.2<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:282.75pt;position:var(--position);top:65.25pt;width:39.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:24.07pt;position:var(--position)"></span><span style="left:24.07pt;position:var(--position)">5.4<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:322.5pt;position:var(--position);top:65.25pt;width:39.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:24.56pt;position:var(--position)"></span><span style="left:24.56pt;position:var(--position)">5.5<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:362.25pt;position:var(--position);top:65.25pt;width:39.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:24.07pt;position:var(--position)"></span><span style="left:24.07pt;position:var(--position)">5.4<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:402pt;position:var(--position);top:65.25pt;width:39.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:24.48pt;position:var(--position)"></span><span style="left:24.48pt;position:var(--position)">5.3<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:441.75pt;position:var(--position);top:65.25pt;width:39.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:24.65pt;position:var(--position)"></span><span style="left:24.65pt;position:var(--position)">5.2<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:77.25pt;width:163.5pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:163.5pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">House price growth</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:163.5pt;position:var(--position);top:77.25pt;width:39.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:23.47pt;position:var(--position)"></span><span style="left:23.47pt;position:var(--position)">0.8<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:203.25pt;position:var(--position);top:77.25pt;width:39.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:23.88pt;position:var(--position)"></span><span style="left:23.88pt;position:var(--position)">0.5<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:243pt;position:var(--position);top:77.25pt;width:39.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:23.8pt;position:var(--position)"></span><span style="left:23.8pt;position:var(--position)">0.3<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:282.75pt;position:var(--position);top:77.25pt;width:39.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:23.53pt;position:var(--position)"></span><span style="left:23.53pt;position:var(--position)">0.9<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:322.5pt;position:var(--position);top:77.25pt;width:39.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:23.53pt;position:var(--position)"></span><span style="left:23.53pt;position:var(--position)">0.6<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:362.25pt;position:var(--position);top:77.25pt;width:39.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:26.38pt;position:var(--position)"></span><span style="left:26.38pt;position:var(--position)">1.2<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:402pt;position:var(--position);top:77.25pt;width:39.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:25.8pt;position:var(--position)"></span><span style="left:25.8pt;position:var(--position)">1.4<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:441.75pt;position:var(--position);top:77.25pt;width:39.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:26.38pt;position:var(--position)"></span><span style="left:26.38pt;position:var(--position)">1.2<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:89.25pt;width:163.5pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:163.5pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Commercial real estate price growth</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:163.5pt;position:var(--position);top:89.25pt;width:39.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:23.47pt;position:var(--position)"></span><span style="left:23.47pt;position:var(--position)">0.8<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:203.25pt;position:var(--position);top:89.25pt;width:39.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:23.8pt;position:var(--position)"></span><span style="left:23.8pt;position:var(--position)">0.3<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:243pt;position:var(--position);top:89.25pt;width:39.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:20.94pt;position:var(--position)"></span><span style="left:20.94pt;position:var(--position)">(0.2)</span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:282.75pt;position:var(--position);top:89.25pt;width:39.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:20.77pt;position:var(--position)"></span><span style="left:20.77pt;position:var(--position)">(0.3)</span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:322.5pt;position:var(--position);top:89.25pt;width:39.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:20.77pt;position:var(--position)"></span><span style="left:20.77pt;position:var(--position)">(0.3)</span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:362.25pt;position:var(--position);top:89.25pt;width:39.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:20.94pt;position:var(--position)"></span><span style="left:20.94pt;position:var(--position)">(0.2)</span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:402pt;position:var(--position);top:89.25pt;width:39.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:22.58pt;position:var(--position)"></span><span style="left:22.58pt;position:var(--position)">(0.1)</span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:441.75pt;position:var(--position);top:89.25pt;width:39.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:23.2pt;position:var(--position)"></span><span style="left:23.2pt;position:var(--position)">0.0<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:101.25pt;width:163.5pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:163.5pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">UK Bank Rate</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:163.5pt;position:var(--position);top:101.25pt;width:39.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:20.24pt;position:var(--position)"></span><span style="left:20.24pt;position:var(--position)">3.75<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:203.25pt;position:var(--position);top:101.25pt;width:39.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:20.24pt;position:var(--position)"></span><span style="left:20.24pt;position:var(--position)">3.75<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:243pt;position:var(--position);top:101.25pt;width:39.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:20.24pt;position:var(--position)"></span><span style="left:20.24pt;position:var(--position)">3.75<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:282.75pt;position:var(--position);top:101.25pt;width:39.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:20.24pt;position:var(--position)"></span><span style="left:20.24pt;position:var(--position)">3.75<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:322.5pt;position:var(--position);top:101.25pt;width:39.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:20.24pt;position:var(--position)"></span><span style="left:20.24pt;position:var(--position)">3.75<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:362.25pt;position:var(--position);top:101.25pt;width:39.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:20.24pt;position:var(--position)"></span><span style="left:20.24pt;position:var(--position)">3.75<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:402pt;position:var(--position);top:101.25pt;width:39.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:19.17pt;position:var(--position)"></span><span style="left:19.17pt;position:var(--position)">3.50<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:441.75pt;position:var(--position);top:101.25pt;width:39.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:19.17pt;position:var(--position)"></span><span style="left:19.17pt;position:var(--position)">3.50<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:113.25pt;width:163.5pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:163.5pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">CPI inflation</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:163.5pt;position:var(--position);top:113.25pt;width:39.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:26.21pt;position:var(--position)"></span><span style="left:26.21pt;position:var(--position)">3.1<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:203.25pt;position:var(--position);top:113.25pt;width:39.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:24.24pt;position:var(--position)"></span><span style="left:24.24pt;position:var(--position)">2.8<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:243pt;position:var(--position);top:113.25pt;width:39.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:23.8pt;position:var(--position)"></span><span style="left:23.8pt;position:var(--position)">3.0<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:282.75pt;position:var(--position);top:113.25pt;width:39.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:24.4pt;position:var(--position)"></span><span style="left:24.4pt;position:var(--position)">3.3<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:322.5pt;position:var(--position);top:113.25pt;width:39.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:24.3pt;position:var(--position)"></span><span style="left:24.3pt;position:var(--position)">2.9<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:362.25pt;position:var(--position);top:113.25pt;width:39.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:24.65pt;position:var(--position)"></span><span style="left:24.65pt;position:var(--position)">2.5<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:402pt;position:var(--position);top:113.25pt;width:39.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:23.97pt;position:var(--position)"></span><span style="left:23.97pt;position:var(--position)">2.0<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:441.75pt;position:var(--position);top:113.25pt;width:39.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:25.94pt;position:var(--position)"></span><span style="left:25.94pt;position:var(--position)">1.9<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td></tr></tbody></table></div></div></div><div style="position:var(--position);top:292.14pt;width:594.99pt"><div style="font-size:0pt;left:56.69pt;position:var(--position);width:481.5pt"><div><table style="border-collapse:collapse;display:inline-table;width:100%"><tbody><tr style="height:0"><td style="padding:0;width:163.5pt"></td><td style="padding:0;width:39.75pt"></td><td style="padding:0;width:39.75pt"></td><td style="padding:0;width:39.75pt"></td><td style="padding:0;width:39.75pt"></td><td style="padding:0;width:39.75pt"></td><td style="padding:0;width:39.75pt"></td><td style="padding:0;width:39.75pt"></td><td style="padding:0;width:39.75pt"></td></tr><tr style="height:41.25pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);width:163.5pt"><div><div style="font-size:12pt;line-height:8pt;position:var(--position);top:31.75pt;width:163.5pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">At 31 December </span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:63.64pt;position:var(--position);text-decoration:none;white-space:pre">2025</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:163.5pt;position:var(--position);width:39.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.95pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:20.77pt;position:var(--position);text-decoration:none;white-space:pre">First</span></div><div style="line-height:8pt;position:var(--position);top:12.55pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:9.34pt;position:var(--position);text-decoration:none;white-space:pre">quarter</span></div><div style="line-height:8pt;position:var(--position);top:22.15pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:18.29pt;position:var(--position);text-decoration:none;white-space:pre">2025</span></div><div style="line-height:8pt;position:var(--position);top:31.75pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:30.62pt;position:var(--position);text-decoration:none;white-space:pre">%</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:203.25pt;position:var(--position);width:39.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.95pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:9.46pt;position:var(--position);text-decoration:none;white-space:pre">Second</span></div><div style="line-height:8pt;position:var(--position);top:12.55pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:9.34pt;position:var(--position);text-decoration:none;white-space:pre">quarter</span></div><div style="line-height:8pt;position:var(--position);top:22.15pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:18.29pt;position:var(--position);text-decoration:none;white-space:pre">2025</span></div><div style="line-height:8pt;position:var(--position);top:31.75pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:30.62pt;position:var(--position);text-decoration:none;white-space:pre">%</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:243pt;position:var(--position);width:39.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.95pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:17.56pt;position:var(--position);text-decoration:none;white-space:pre">Third</span></div><div style="line-height:8pt;position:var(--position);top:12.55pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:9.34pt;position:var(--position);text-decoration:none;white-space:pre">quarter</span></div><div style="line-height:8pt;position:var(--position);top:22.15pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:18.29pt;position:var(--position);text-decoration:none;white-space:pre">2025</span></div><div style="line-height:8pt;position:var(--position);top:31.75pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:30.62pt;position:var(--position);text-decoration:none;white-space:pre">%</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:282.75pt;position:var(--position);width:39.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.95pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:12.07pt;position:var(--position);text-decoration:none;white-space:pre">Fourth</span></div><div style="line-height:8pt;position:var(--position);top:12.55pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:9.34pt;position:var(--position);text-decoration:none;white-space:pre">quarter</span></div><div style="line-height:8pt;position:var(--position);top:22.15pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:18.29pt;position:var(--position);text-decoration:none;white-space:pre">2025</span></div><div style="line-height:8pt;position:var(--position);top:31.75pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:30.62pt;position:var(--position);text-decoration:none;white-space:pre">%</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:322.5pt;position:var(--position);width:39.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.95pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:20.77pt;position:var(--position);text-decoration:none;white-space:pre">First</span></div><div style="line-height:8pt;position:var(--position);top:12.55pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:9.34pt;position:var(--position);text-decoration:none;white-space:pre">quarter</span></div><div style="line-height:8pt;position:var(--position);top:22.15pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:17.97pt;position:var(--position);text-decoration:none;white-space:pre">2026</span></div><div style="line-height:8pt;position:var(--position);top:31.75pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:30.62pt;position:var(--position);text-decoration:none;white-space:pre">%</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:362.25pt;position:var(--position);width:39.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.95pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:9.46pt;position:var(--position);text-decoration:none;white-space:pre">Second</span></div><div style="line-height:8pt;position:var(--position);top:12.55pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:9.34pt;position:var(--position);text-decoration:none;white-space:pre">quarter</span></div><div style="line-height:8pt;position:var(--position);top:22.15pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:17.97pt;position:var(--position);text-decoration:none;white-space:pre">2026</span></div><div style="line-height:8pt;position:var(--position);top:31.75pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:30.62pt;position:var(--position);text-decoration:none;white-space:pre">%</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:402pt;position:var(--position);width:39.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.95pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:17.56pt;position:var(--position);text-decoration:none;white-space:pre">Third</span></div><div style="line-height:8pt;position:var(--position);top:12.55pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:9.34pt;position:var(--position);text-decoration:none;white-space:pre">quarter</span></div><div style="line-height:8pt;position:var(--position);top:22.15pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:17.97pt;position:var(--position);text-decoration:none;white-space:pre">2026</span></div><div style="line-height:8pt;position:var(--position);top:31.75pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:30.62pt;position:var(--position);text-decoration:none;white-space:pre">%</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:441.75pt;position:var(--position);width:39.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.95pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:12.07pt;position:var(--position);text-decoration:none;white-space:pre">Fourth</span></div><div style="line-height:8pt;position:var(--position);top:12.55pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:9.34pt;position:var(--position);text-decoration:none;white-space:pre">quarter</span></div><div style="line-height:8pt;position:var(--position);top:22.15pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:17.97pt;position:var(--position);text-decoration:none;white-space:pre">2026</span></div><div style="line-height:8pt;position:var(--position);top:31.75pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:30.62pt;position:var(--position);text-decoration:none;white-space:pre">%</span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:53.25pt;width:163.5pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:163.5pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Gross domestic product growth</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:163.5pt;position:var(--position);top:53.25pt;width:39.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:24.49pt;position:var(--position)"></span><span style="left:24.49pt;position:var(--position)">0.7<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:203.25pt;position:var(--position);top:53.25pt;width:39.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:23.99pt;position:var(--position)"></span><span style="left:23.99pt;position:var(--position)">0.3<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:243pt;position:var(--position);top:53.25pt;width:39.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:25.85pt;position:var(--position)"></span><span style="left:25.85pt;position:var(--position)">0.1<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:282.75pt;position:var(--position);top:53.25pt;width:39.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:23.99pt;position:var(--position)"></span><span style="left:23.99pt;position:var(--position)">0.3<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:322.5pt;position:var(--position);top:53.25pt;width:39.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:23.99pt;position:var(--position)"></span><span style="left:23.99pt;position:var(--position)">0.3<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:362.25pt;position:var(--position);top:53.25pt;width:39.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:23.99pt;position:var(--position)"></span><span style="left:23.99pt;position:var(--position)">0.3<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:402pt;position:var(--position);top:53.25pt;width:39.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:23.58pt;position:var(--position)"></span><span style="left:23.58pt;position:var(--position)">0.4<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:441.75pt;position:var(--position);top:53.25pt;width:39.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:23.58pt;position:var(--position)"></span><span style="left:23.58pt;position:var(--position)">0.4<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:65.25pt;width:163.5pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:163.5pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Unemployment rate</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:163.5pt;position:var(--position);top:65.25pt;width:39.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:24.23pt;position:var(--position)"></span><span style="left:24.23pt;position:var(--position)">4.5<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:203.25pt;position:var(--position);top:65.25pt;width:39.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:24.65pt;position:var(--position)"></span><span style="left:24.65pt;position:var(--position)">4.7<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:243pt;position:var(--position);top:65.25pt;width:39.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:24.07pt;position:var(--position)"></span><span style="left:24.07pt;position:var(--position)">5.0<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:282.75pt;position:var(--position);top:65.25pt;width:39.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:26.5pt;position:var(--position)"></span><span style="left:26.5pt;position:var(--position)">5.1<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:322.5pt;position:var(--position);top:65.25pt;width:39.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:24.64pt;position:var(--position)"></span><span style="left:24.64pt;position:var(--position)">5.3<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:362.25pt;position:var(--position);top:65.25pt;width:39.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:24.64pt;position:var(--position)"></span><span style="left:24.64pt;position:var(--position)">5.3<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:402pt;position:var(--position);top:65.25pt;width:39.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:24.83pt;position:var(--position)"></span><span style="left:24.83pt;position:var(--position)">5.2<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:441.75pt;position:var(--position);top:65.25pt;width:39.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:26.5pt;position:var(--position)"></span><span style="left:26.5pt;position:var(--position)">5.1<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:77.25pt;width:163.5pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:163.5pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">House price growth</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:163.5pt;position:var(--position);top:77.25pt;width:39.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:24.51pt;position:var(--position)"></span><span style="left:24.51pt;position:var(--position)">2.9<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:203.25pt;position:var(--position);top:77.25pt;width:39.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:25.25pt;position:var(--position)"></span><span style="left:25.25pt;position:var(--position)">2.7<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:243pt;position:var(--position);top:77.25pt;width:39.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:26.42pt;position:var(--position)"></span><span style="left:26.42pt;position:var(--position)">1.3<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:282.75pt;position:var(--position);top:77.25pt;width:39.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:23.66pt;position:var(--position)"></span><span style="left:23.66pt;position:var(--position)">0.8<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:322.5pt;position:var(--position);top:77.25pt;width:39.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:26.42pt;position:var(--position)"></span><span style="left:26.42pt;position:var(--position)">1.3<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:362.25pt;position:var(--position);top:77.25pt;width:39.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:26.18pt;position:var(--position)"></span><span style="left:26.18pt;position:var(--position)">1.6<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:402pt;position:var(--position);top:77.25pt;width:39.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:26.18pt;position:var(--position)"></span><span style="left:26.18pt;position:var(--position)">1.6<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:441.75pt;position:var(--position);top:77.25pt;width:39.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:26.18pt;position:var(--position)"></span><span style="left:26.18pt;position:var(--position)">1.6<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:89.25pt;width:163.5pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:163.5pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Commercial real estate price growth</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:163.5pt;position:var(--position);top:89.25pt;width:39.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:24.83pt;position:var(--position)"></span><span style="left:24.83pt;position:var(--position)">2.5<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:203.25pt;position:var(--position);top:89.25pt;width:39.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:24.51pt;position:var(--position)"></span><span style="left:24.51pt;position:var(--position)">2.6<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:243pt;position:var(--position);top:89.25pt;width:39.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:24.51pt;position:var(--position)"></span><span style="left:24.51pt;position:var(--position)">2.6<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:282.75pt;position:var(--position);top:89.25pt;width:39.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:26.61pt;position:var(--position)"></span><span style="left:26.61pt;position:var(--position)">1.2<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:322.5pt;position:var(--position);top:89.25pt;width:39.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:24.07pt;position:var(--position)"></span><span style="left:24.07pt;position:var(--position)">0.5<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:362.25pt;position:var(--position);top:89.25pt;width:39.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:24.18pt;position:var(--position)"></span><span style="left:24.18pt;position:var(--position)">0.2<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:402pt;position:var(--position);top:89.25pt;width:39.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:25.85pt;position:var(--position)"></span><span style="left:25.85pt;position:var(--position)">0.1<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:441.75pt;position:var(--position);top:89.25pt;width:39.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:23.75pt;position:var(--position)"></span><span style="left:23.75pt;position:var(--position)">0.6<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:101.25pt;width:163.5pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:163.5pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">UK Bank Rate</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:163.5pt;position:var(--position);top:101.25pt;width:39.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:18.98pt;position:var(--position)"></span><span style="left:18.98pt;position:var(--position)">4.50<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:203.25pt;position:var(--position);top:101.25pt;width:39.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:19.74pt;position:var(--position)"></span><span style="left:19.74pt;position:var(--position)">4.25<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:243pt;position:var(--position);top:101.25pt;width:39.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:18.33pt;position:var(--position)"></span><span style="left:18.33pt;position:var(--position)">4.00<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:282.75pt;position:var(--position);top:101.25pt;width:39.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:20.46pt;position:var(--position)"></span><span style="left:20.46pt;position:var(--position)">3.75<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:322.5pt;position:var(--position);top:101.25pt;width:39.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:20.46pt;position:var(--position)"></span><span style="left:20.46pt;position:var(--position)">3.75<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:362.25pt;position:var(--position);top:101.25pt;width:39.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:19.39pt;position:var(--position)"></span><span style="left:19.39pt;position:var(--position)">3.50<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:402pt;position:var(--position);top:101.25pt;width:39.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:20.15pt;position:var(--position)"></span><span style="left:20.15pt;position:var(--position)">3.25<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:441.75pt;position:var(--position);top:101.25pt;width:39.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:20.15pt;position:var(--position)"></span><span style="left:20.15pt;position:var(--position)">3.25<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:113.25pt;width:163.5pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:163.5pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">CPI inflation</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:163.5pt;position:var(--position);top:113.25pt;width:39.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:24.42pt;position:var(--position)"></span><span style="left:24.42pt;position:var(--position)">2.8<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:203.25pt;position:var(--position);top:113.25pt;width:39.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:24.64pt;position:var(--position)"></span><span style="left:24.64pt;position:var(--position)">3.5<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:243pt;position:var(--position);top:113.25pt;width:39.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:24.23pt;position:var(--position)"></span><span style="left:24.23pt;position:var(--position)">3.8<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:282.75pt;position:var(--position);top:113.25pt;width:39.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:25.06pt;position:var(--position)"></span><span style="left:25.06pt;position:var(--position)">3.7<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:322.5pt;position:var(--position);top:113.25pt;width:39.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:24.56pt;position:var(--position)"></span><span style="left:24.56pt;position:var(--position)">3.3<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:362.25pt;position:var(--position);top:113.25pt;width:39.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:24.51pt;position:var(--position)"></span><span style="left:24.51pt;position:var(--position)">2.6<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:402pt;position:var(--position);top:113.25pt;width:39.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:24.94pt;position:var(--position)"></span><span style="left:24.94pt;position:var(--position)">2.2<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:441.75pt;position:var(--position);top:113.25pt;width:39.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:39.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:24.94pt;position:var(--position)"></span><span style="left:24.94pt;position:var(--position)">2.2<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td></tr></tbody></table></div></div></div> 0.014 0.024 0.019 0.016 0.016 0.018 0.048 0.037 0.031 0.031 0.033 0.036 0.018 0.045 0.077 0.075 0.060 0.055 0.033 0.066 0.031 0.020 0.007 0.031 0.0385 0.0479 0.0519 0.0546 0.0565 0.0499 0.031 0.025 0.022 0.027 0.030 0.027 0.010 0.010 0.015 0.016 0.016 0.014 0.052 0.054 0.050 0.047 0.047 0.050 0.009 0.012 0.020 0.034 0.034 0.022 -0.003 0.000 0.009 0.008 0.000 0.003 0.0375 0.0363 0.0350 0.0350 0.0350 0.0358 0.031 0.024 0.018 0.018 0.020 0.022 0.006 -0.012 0.005 0.014 0.017 0.006 0.056 0.075 0.077 0.073 0.070 0.070 0.000 -0.024 -0.054 -0.032 -0.013 -0.025 -0.035 -0.087 -0.032 -0.021 -0.027 -0.040 0.0365 0.0204 0.0104 0.0071 0.0049 0.0159 0.031 0.023 0.012 0.007 0.006 0.016 0.001 -0.033 -0.001 0.012 0.015 -0.001 0.062 0.101 0.104 0.098 0.093 0.092 -0.010 -0.051 -0.124 -0.092 -0.060 -0.068 -0.086 -0.178 -0.087 -0.065 -0.061 -0.096 0.0349 0.0064 0.0007 0.0002 0.0001 0.0085 0.031 0.022 0.006 -0.005 -0.010 0.009 0.009 0.004 0.011 0.015 0.016 0.011 0.053 0.060 0.058 0.055 0.054 0.056 0.007 0.005 0.000 0.014 0.018 0.009 -0.010 -0.024 -0.006 -0.004 -0.012 -0.011 0.0372 0.0320 0.0293 0.0290 0.0289 0.0313 0.031 0.023 0.016 0.015 0.016 0.020 0.014 0.020 0.023 0.016 0.016 0.018 0.048 0.042 0.032 0.031 0.032 0.037 0.008 0.035 0.071 0.069 0.060 0.048 0.012 0.079 0.049 0.017 0.008 0.032 0.0413 0.0394 0.0459 0.0507 0.0533 0.0461 0.034 0.026 0.024 0.028 0.031 0.029 0.014 0.012 0.014 0.015 0.016 0.014 0.048 0.052 0.048 0.046 0.045 0.048 0.008 0.016 0.019 0.022 0.031 0.019 0.012 0.006 0.017 0.005 0.002 0.009 0.0413 0.0344 0.0325 0.0344 0.0350 0.0355 0.034 0.026 0.022 0.022 0.023 0.026 0.014 -0.003 -0.005 0.011 0.016 0.007 0.048 0.066 0.075 0.074 0.070 0.067 0.008 -0.002 -0.047 -0.057 -0.028 -0.026 0.012 -0.071 -0.042 -0.027 -0.023 -0.031 0.0413 0.0274 0.0109 0.0075 0.0052 0.0185 0.034 0.026 0.020 0.014 0.010 0.021 0.014 -0.019 -0.018 0.007 0.014 0.000 0.048 0.083 0.102 0.099 0.094 0.085 0.008 -0.012 -0.111 -0.122 -0.078 -0.065 0.012 -0.174 -0.098 -0.074 -0.054 -0.080 0.0413 0.0191 0.0010 0.0003 0.0001 0.0124 0.034 0.026 0.017 0.005 -0.004 0.016 0.014 0.007 0.008 0.013 0.016 0.012 0.048 0.056 0.057 0.055 0.054 0.054 0.008 0.013 0.002 -0.002 0.011 0.006 0.012 -0.013 -0.003 -0.009 -0.009 -0.004 0.0413 0.0323 0.0269 0.0278 0.0281 0.0313 0.034 0.026 0.022 0.020 0.019 0.024 0.006 0.001 0.001 0.002 0.003 0.003 0.003 0.003 0.050 0.050 0.052 0.054 0.055 0.054 0.053 0.052 0.008 0.005 0.003 0.009 0.006 0.012 0.014 0.012 0.008 0.003 -0.002 -0.003 -0.003 -0.002 -0.001 0.000 0.0375 0.0375 0.0375 0.0375 0.0375 0.0375 0.0350 0.0350 0.031 0.028 0.030 0.033 0.029 0.025 0.020 0.019 0.007 0.003 0.001 0.003 0.003 0.003 0.004 0.004 0.045 0.047 0.050 0.051 0.053 0.053 0.052 0.051 0.029 0.027 0.013 0.008 0.013 0.016 0.016 0.016 0.025 0.026 0.026 0.012 0.005 0.002 0.001 0.006 0.0450 0.0425 0.0400 0.0375 0.0375 0.0350 0.0325 0.0325 0.028 0.035 0.038 0.037 0.033 0.026 0.022 0.022 <span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:9pt;font-style:normal;font-weight:bold;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre">Movement in expected credit loss allowance</span><div style="position:var(--position);top:113.09pt;width:594.99pt"><div style="font-size:0pt;left:56.69pt;position:var(--position);width:481.5pt"><div><table style="border-collapse:collapse;display:inline-table;width:100%"><tbody><tr style="height:0"><td style="padding:0;width:210.75pt"></td><td style="padding:0;width:45pt"></td><td style="padding:0;width:3pt"></td><td style="padding:0;width:5.25pt"></td><td style="padding:0;width:3pt"></td><td style="padding:0;width:47.25pt"></td><td style="padding:0;width:3pt"></td><td style="padding:0;width:5.25pt"></td><td style="padding:0;width:47.25pt"></td><td style="padding:0;width:3pt"></td><td style="padding:0;width:3pt"></td><td style="padding:0;width:5.25pt"></td><td style="padding:0;width:47.25pt"></td><td style="padding:0;width:3pt"></td><td style="padding:0;width:5.25pt"></td><td style="padding:0;width:45pt"></td></tr><tr style="height:51.75pt"><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:210.75pt;position:var(--position);width:45pt"><div><div style="line-height:8pt;position:var(--position);top:3.85pt;width:45pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:10.4pt;position:var(--position);text-decoration:none;white-space:pre">Opening </span></div><div style="line-height:8pt;position:var(--position);top:13.45pt;width:45pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:17.66pt;position:var(--position);text-decoration:none;white-space:pre">ECL at</span></div><div style="line-height:8pt;position:var(--position);top:23.05pt;width:45pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:18.19pt;position:var(--position);text-decoration:none;white-space:pre">31 Dec</span></div><div style="line-height:8pt;position:var(--position);top:32.65pt;width:45pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:23.35pt;position:var(--position);text-decoration:none;white-space:pre">2025</span></div><div style="line-height:8pt;position:var(--position);top:42.25pt;width:45pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:30.72pt;position:var(--position);text-decoration:none;white-space:pre">£m</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:267pt;position:var(--position);width:47.25pt"><div><div style="line-height:8pt;position:var(--position);top:23.05pt;width:47.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:6.32pt;position:var(--position);text-decoration:none;white-space:pre">Write-offs</span></div><div style="line-height:8pt;position:var(--position);top:32.65pt;width:47.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:7.92pt;position:var(--position);text-decoration:none;white-space:pre">and other</span></div><div style="line-height:8pt;position:var(--position);top:42.25pt;width:47.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:32.97pt;position:var(--position);text-decoration:none;white-space:pre">£m</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:322.5pt;position:var(--position);width:47.25pt"><div><div style="line-height:8pt;position:var(--position);top:3.85pt;width:47.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:16.83pt;position:var(--position);text-decoration:none;white-space:pre">Income</span></div><div style="line-height:8pt;position:var(--position);top:13.45pt;width:47.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:5.47pt;position:var(--position);text-decoration:none;white-space:pre">statement</span></div><div style="line-height:8pt;position:var(--position);top:23.05pt;width:47.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:19.62pt;position:var(--position);text-decoration:none;white-space:pre">charge </span></div><div style="line-height:8pt;position:var(--position);top:32.65pt;width:47.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:16.48pt;position:var(--position);text-decoration:none;white-space:pre">(credit)</span></div><div style="line-height:8pt;position:var(--position);top:42.25pt;width:47.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:32.97pt;position:var(--position);text-decoration:none;white-space:pre">£m</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:381pt;position:var(--position);width:47.25pt"><div><div style="line-height:8pt;position:var(--position);top:13.45pt;width:47.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:13.85pt;position:var(--position);text-decoration:none;white-space:pre">Net ECL</span></div><div style="line-height:8pt;position:var(--position);top:23.05pt;width:47.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:13.78pt;position:var(--position);text-decoration:none;white-space:pre">increase</span></div><div style="line-height:8pt;position:var(--position);top:32.65pt;width:47.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:5.18pt;position:var(--position);text-decoration:none;white-space:pre">(decrease)</span></div><div style="line-height:8pt;position:var(--position);top:42.25pt;width:47.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:32.97pt;position:var(--position);text-decoration:none;white-space:pre">£m</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:436.5pt;position:var(--position);width:45pt"><div><div style="line-height:8pt;position:var(--position);top:3.85pt;width:45pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:15.21pt;position:var(--position);text-decoration:none;white-space:pre">Closing </span></div><div style="line-height:8pt;position:var(--position);top:13.45pt;width:45pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:17.66pt;position:var(--position);text-decoration:none;white-space:pre">ECL at</span></div><div style="line-height:8pt;position:var(--position);top:23.05pt;width:45pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:18.47pt;position:var(--position);text-decoration:none;white-space:pre">30 Jun</span></div><div style="line-height:8pt;position:var(--position);top:32.65pt;width:45pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:23pt;position:var(--position);text-decoration:none;white-space:pre">2026</span></div><div style="line-height:8pt;position:var(--position);top:42.25pt;width:45pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:30.72pt;position:var(--position);text-decoration:none;white-space:pre">£m</span></div></div></div></td></tr><tr style="height:8.25pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="height:8.25pt;overflow:hidden;position:var(--position);top:51.75pt;width:210.75pt"><div><div style="line-height:8pt;position:var(--position);top:-0.75pt;width:210.75pt"><span style="font-family:'Arial', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);white-space:pre"> </span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td></tr><tr style="height:3pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="height:3pt;overflow:hidden;position:var(--position);top:60pt;width:210.75pt"><div><div style="line-height:8pt;position:var(--position);top:-6pt;width:210.75pt"><span style="font-family:'Arial', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);white-space:pre"> </span></div></div></div></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-left:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-right:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-left:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td></tr><tr style="height:12pt"><td style="border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:63pt;width:210.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:210.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:8.3pt;position:var(--position);text-decoration:none;white-space:pre">UK mortgages</span></div></div></div></td><td style="border-left:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:210.75pt;position:var(--position);top:63pt;width:45pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:45pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:26.74pt"></span></span><span style="left:29.369999999999997pt;position:var(--position)">731<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="border-right:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-left:0.5pt solid #000;border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-left:0.5pt solid #000;border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-left:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:267pt;position:var(--position);top:63pt;width:47.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:47.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:26.7pt"></span></span><span style="left:29.33pt;position:var(--position)">(101)</span></span></div></div></div></td><td style="border-right:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-left:0.5pt solid #000;border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-left:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:322.5pt;position:var(--position);top:63pt;width:47.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:47.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:31.15pt"></span></span><span style="left:33.78pt;position:var(--position)">39<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="border-right:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-left:0.5pt solid #000;border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-left:0.5pt solid #000;border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-left:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:381pt;position:var(--position);top:63pt;width:47.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:47.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:28.29pt"></span></span><span style="left:30.919999999999998pt;position:var(--position)">(62)</span></span></div></div></div></td><td style="border-right:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-left:0.5pt solid #000;border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-left:0.5pt solid #000;border-right:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:436.5pt;position:var(--position);top:63pt;width:45pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:45pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:23.65pt"></span></span><span style="left:26.279999999999998pt;position:var(--position)">669<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:75pt;width:210.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:210.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:8.3pt;position:var(--position);text-decoration:none;white-space:pre">Credit cards</span></div></div></div></td><td style="border-left:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:210.75pt;position:var(--position);top:75pt;width:45pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:45pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:23.59pt"></span></span><span style="left:26.22pt;position:var(--position)">603<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-left:0.5pt solid #000;border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-left:0.5pt solid #000;border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-left:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:267pt;position:var(--position);top:75pt;width:47.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:47.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:24.19pt"></span></span><span style="left:26.82pt;position:var(--position)">(222)</span></span></div></div></div></td><td style="border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-left:0.5pt solid #000;border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-left:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:322.5pt;position:var(--position);top:75pt;width:47.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:47.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:26.2pt"></span></span><span style="left:28.83pt;position:var(--position)">264<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-left:0.5pt solid #000;border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-left:0.5pt solid #000;border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-left:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:381pt;position:var(--position);top:75pt;width:47.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:47.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:31.18pt"></span></span><span style="left:33.81pt;position:var(--position)">42<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-left:0.5pt solid #000;border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-left:0.5pt solid #000;border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:436.5pt;position:var(--position);top:75pt;width:45pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:45pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:23.86pt"></span></span><span style="left:26.49pt;position:var(--position)">645<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:87pt;width:210.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:210.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:8.3pt;position:var(--position);text-decoration:none;white-space:pre">Other Retail</span></div></div></div></td><td style="border-bottom:0.5pt solid #000;border-left:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:210.75pt;position:var(--position);top:87pt;width:45pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:45pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:25.73pt"></span></span><span style="left:28.36pt;position:var(--position)">991<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="border-bottom:0.5pt solid #000;border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-left:0.5pt solid #000;border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-left:0.5pt solid #000;border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;border-left:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:267pt;position:var(--position);top:87pt;width:47.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:47.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:26.13pt"></span></span><span style="left:28.759999999999998pt;position:var(--position)">(271)</span></span></div></div></div></td><td style="border-bottom:0.5pt solid #000;border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-left:0.5pt solid #000;border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;border-left:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:322.5pt;position:var(--position);top:87pt;width:47.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:47.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:26.78pt"></span></span><span style="left:29.41pt;position:var(--position)">262<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="border-bottom:0.5pt solid #000;border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-left:0.5pt solid #000;border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-left:0.5pt solid #000;border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;border-left:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:381pt;position:var(--position);top:87pt;width:47.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:47.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:32.83pt"></span></span><span style="left:35.46pt;position:var(--position)">(9)</span></span></div></div></div></td><td style="border-bottom:0.5pt solid #000;border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-left:0.5pt solid #000;border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;border-left:0.5pt solid #000;border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:436.5pt;position:var(--position);top:87pt;width:45pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:45pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:24.03pt"></span></span><span style="left:26.66pt;position:var(--position)">982<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:99pt;width:210.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:210.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Retail</span></div></div></div></td><td style="border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:210.75pt;position:var(--position);top:99pt;width:45pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:45pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:17.91pt"></span></span><span style="left:20.54pt;position:var(--position)">2,325<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-left:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:267pt;position:var(--position);top:99pt;width:47.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:47.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:23.08pt"></span></span><span style="left:25.709999999999997pt;position:var(--position)">(594)</span></span></div></div></div></td><td style="border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:322.5pt;position:var(--position);top:99pt;width:47.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:47.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:26.6pt"></span></span><span style="left:29.23pt;position:var(--position)">565<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-left:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:381pt;position:var(--position);top:99pt;width:47.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:47.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:28.29pt"></span></span><span style="left:30.919999999999998pt;position:var(--position)">(29)</span></span></div></div></div></td><td style="border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:436.5pt;position:var(--position);top:99pt;width:45pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:45pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:17.29pt"></span></span><span style="left:19.919999999999998pt;position:var(--position)">2,296<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:111pt;width:210.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:210.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Commercial Banking</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:210.75pt;position:var(--position);top:111pt;width:45pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:45pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:24.68pt"></span></span><span style="left:27.31pt;position:var(--position)">875<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-left:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:267pt;position:var(--position);top:111pt;width:47.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:47.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:29.03pt"></span></span><span style="left:31.66pt;position:var(--position)">(72)</span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:322.5pt;position:var(--position);top:111pt;width:47.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:47.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:31.48pt"></span></span><span style="left:34.11pt;position:var(--position)">47<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-left:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:381pt;position:var(--position);top:111pt;width:47.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:47.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:28.64pt"></span></span><span style="left:31.27pt;position:var(--position)">(25)</span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:436.5pt;position:var(--position);top:111pt;width:45pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:45pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:23.61pt"></span></span><span style="left:26.24pt;position:var(--position)">850<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:123pt;width:210.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:210.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Other</span></div></div></div></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:210.75pt;position:var(--position);top:123pt;width:45pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:45pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:35.69pt"></span></span><span style="left:38.32pt;position:var(--position)">1<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-left:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:267pt;position:var(--position);top:123pt;width:47.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:47.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:36.84pt"></span></span><span style="left:39.470000000000006pt;position:var(--position)">–<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:322.5pt;position:var(--position);top:123pt;width:47.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:47.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:36.84pt"></span></span><span style="left:39.470000000000006pt;position:var(--position)">–<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-left:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:381pt;position:var(--position);top:123pt;width:47.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:47.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:36.84pt"></span></span><span style="left:39.470000000000006pt;position:var(--position)">–<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:436.5pt;position:var(--position);top:123pt;width:45pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:45pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:35.69pt"></span></span><span style="left:38.32pt;position:var(--position)">1<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:135pt;width:210.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:210.75pt"><span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Total</span></div></div></div></td><td style="border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:210.75pt;position:var(--position);top:135pt;width:45pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:45pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:18.87pt"></span></span><span style="left:21.5pt;position:var(--position)">3,201<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-left:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:267pt;position:var(--position);top:135pt;width:47.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:47.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:22.87pt"></span></span><span style="left:25.5pt;position:var(--position)">(666)</span></span></div></div></div></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:322.5pt;position:var(--position);top:135pt;width:47.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:47.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:28.42pt"></span></span><span style="left:31.05pt;position:var(--position)">612<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-left:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:381pt;position:var(--position);top:135pt;width:47.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:47.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:28.06pt"></span></span><span style="left:30.689999999999998pt;position:var(--position)">(54)</span></span></div></div></div></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:436.5pt;position:var(--position);top:135pt;width:45pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:45pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:19.36pt"></span></span><span style="left:21.99pt;position:var(--position)">3,147<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td></tr><tr style="height:3pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="height:3pt;overflow:hidden;position:var(--position);top:147pt;width:210.75pt"><div><div style="line-height:8pt;position:var(--position);top:-6pt;width:210.75pt"><span style="font-family:'Arial', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);white-space:pre"> </span></div></div></div></td><td style="border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;border-left:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-left:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td></tr><tr style="height:8.25pt"><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td></tr><tr style="height:51.75pt"><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:210.75pt;position:var(--position);top:158.25pt;width:45pt"><div><div style="line-height:8pt;position:var(--position);top:3.85pt;width:45pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:10.64pt;position:var(--position);text-decoration:none;white-space:pre">Opening </span></div><div style="line-height:8pt;position:var(--position);top:13.45pt;width:45pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:17.72pt;position:var(--position);text-decoration:none;white-space:pre">ECL at</span></div><div style="line-height:8pt;position:var(--position);top:23.05pt;width:45pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:18.3pt;position:var(--position);text-decoration:none;white-space:pre">31 Dec</span></div><div style="line-height:8pt;position:var(--position);top:32.65pt;width:45pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:23.05pt;position:var(--position);text-decoration:none;white-space:pre">2024</span></div><div style="line-height:8pt;position:var(--position);top:42.25pt;width:45pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:30.78pt;position:var(--position);text-decoration:none;white-space:pre">£m</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:267pt;position:var(--position);top:158.25pt;width:47.25pt"><div><div style="line-height:8pt;position:var(--position);top:23.05pt;width:47.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:6.73pt;position:var(--position);text-decoration:none;white-space:pre">Write-offs</span></div><div style="line-height:8pt;position:var(--position);top:32.65pt;width:47.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:8.14pt;position:var(--position);text-decoration:none;white-space:pre">and other</span></div><div style="line-height:8pt;position:var(--position);top:42.25pt;width:47.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:33.03pt;position:var(--position);text-decoration:none;white-space:pre">£m</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:322.5pt;position:var(--position);top:158.25pt;width:47.25pt"><div><div style="line-height:8pt;position:var(--position);top:3.85pt;width:47.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:17.02pt;position:var(--position);text-decoration:none;white-space:pre">Income</span></div><div style="line-height:8pt;position:var(--position);top:13.45pt;width:47.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:5.89pt;position:var(--position);text-decoration:none;white-space:pre">statement</span></div><div style="line-height:8pt;position:var(--position);top:23.05pt;width:47.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:19.78pt;position:var(--position);text-decoration:none;white-space:pre">charge </span></div><div style="line-height:8pt;position:var(--position);top:32.65pt;width:47.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:16.83pt;position:var(--position);text-decoration:none;white-space:pre">(credit)</span></div><div style="line-height:8pt;position:var(--position);top:42.25pt;width:47.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:33.03pt;position:var(--position);text-decoration:none;white-space:pre">£m</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:381pt;position:var(--position);top:158.25pt;width:47.25pt"><div><div style="line-height:8pt;position:var(--position);top:13.45pt;width:47.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:13.93pt;position:var(--position);text-decoration:none;white-space:pre">Net ECL</span></div><div style="line-height:8pt;position:var(--position);top:23.05pt;width:47.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:14.06pt;position:var(--position);text-decoration:none;white-space:pre">increase</span></div><div style="line-height:8pt;position:var(--position);top:32.65pt;width:47.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:5.56pt;position:var(--position);text-decoration:none;white-space:pre">(decrease)</span></div><div style="line-height:8pt;position:var(--position);top:42.25pt;width:47.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:33.03pt;position:var(--position);text-decoration:none;white-space:pre">£m</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:436.5pt;position:var(--position);top:158.25pt;width:45pt"><div><div style="line-height:8pt;position:var(--position);top:3.85pt;width:45pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:15.5pt;position:var(--position);text-decoration:none;white-space:pre">Closing </span></div><div style="line-height:8pt;position:var(--position);top:13.45pt;width:45pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:17.72pt;position:var(--position);text-decoration:none;white-space:pre">ECL at</span></div><div style="line-height:8pt;position:var(--position);top:23.05pt;width:45pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:18.65pt;position:var(--position);text-decoration:none;white-space:pre">30 Jun</span></div><div style="line-height:8pt;position:var(--position);top:32.65pt;width:45pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:23.54pt;position:var(--position);text-decoration:none;white-space:pre">2025</span></div><div style="line-height:8pt;position:var(--position);top:42.25pt;width:45pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:30.78pt;position:var(--position);text-decoration:none;white-space:pre">£m</span></div></div></div></td></tr><tr style="height:8.25pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="height:8.25pt;overflow:hidden;position:var(--position);top:210pt;width:210.75pt"><div><div style="line-height:8pt;position:var(--position);top:-0.75pt;width:210.75pt"><span style="font-family:'Arial', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);white-space:pre"> </span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td></tr><tr style="height:3pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="height:3pt;overflow:hidden;position:var(--position);top:218.25pt;width:210.75pt"><div><div style="line-height:8pt;position:var(--position);top:-6pt;width:210.75pt"><span style="font-family:'Arial', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);white-space:pre"> </span></div></div></div></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-left:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-right:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-left:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td></tr><tr style="height:12pt"><td style="border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:221.25pt;width:210.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:210.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:8.3pt;position:var(--position);text-decoration:none;white-space:pre">UK mortgages</span></div></div></div></td><td style="border-left:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:210.75pt;position:var(--position);top:221.25pt;width:45pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:45pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:24.49pt"></span></span><span style="left:27.119999999999997pt;position:var(--position)">852<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="border-right:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-left:0.5pt solid #000;border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-left:0.5pt solid #000;border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-left:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:267pt;position:var(--position);top:221.25pt;width:47.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:47.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:29.81pt"></span></span><span style="left:32.44pt;position:var(--position)">(10)<span style="display:inline-block;height:6.4pt;width:0.07pt"></span></span></span></div></div></div></td><td style="border-right:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-left:0.5pt solid #000;border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-left:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:322.5pt;position:var(--position);top:221.25pt;width:47.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:47.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:25.7pt"></span></span><span style="left:28.33pt;position:var(--position)">(133)<span style="display:inline-block;height:6.4pt;width:0.07pt"></span></span></span></div></div></div></td><td style="border-right:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-left:0.5pt solid #000;border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-left:0.5pt solid #000;border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-left:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:381pt;position:var(--position);top:221.25pt;width:47.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:47.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:25.29pt"></span></span><span style="left:27.919999999999998pt;position:var(--position)">(143)<span style="display:inline-block;height:6.4pt;width:0.07pt"></span></span></span></div></div></div></td><td style="border-right:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-left:0.5pt solid #000;border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-left:0.5pt solid #000;border-right:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:436.5pt;position:var(--position);top:221.25pt;width:45pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:45pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:24.24pt"></span></span><span style="left:26.869999999999997pt;position:var(--position)">709<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:233.25pt;width:210.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:210.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:8.3pt;position:var(--position);text-decoration:none;white-space:pre">Credit cards</span></div></div></div></td><td style="border-left:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:210.75pt;position:var(--position);top:233.25pt;width:45pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:45pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:24.4pt"></span></span><span style="left:27.029999999999998pt;position:var(--position)">674<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-left:0.5pt solid #000;border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-left:0.5pt solid #000;border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-left:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:267pt;position:var(--position);top:233.25pt;width:47.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:47.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:25.97pt"></span></span><span style="left:28.599999999999998pt;position:var(--position)">(215)<span style="display:inline-block;height:6.4pt;width:0.07pt"></span></span></span></div></div></div></td><td style="border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-left:0.5pt solid #000;border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-left:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:322.5pt;position:var(--position);top:233.25pt;width:47.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:47.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:25.85pt"></span></span><span style="left:28.48pt;position:var(--position)">200<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-left:0.5pt solid #000;border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-left:0.5pt solid #000;border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-left:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:381pt;position:var(--position);top:233.25pt;width:47.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:47.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:30.46pt"></span></span><span style="left:33.09pt;position:var(--position)">(15)<span style="display:inline-block;height:6.4pt;width:0.07pt"></span></span></span></div></div></div></td><td style="border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-left:0.5pt solid #000;border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-left:0.5pt solid #000;border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:436.5pt;position:var(--position);top:233.25pt;width:45pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:45pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:24.15pt"></span></span><span style="left:26.779999999999998pt;position:var(--position)">659<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:245.25pt;width:210.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:210.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:8.3pt;position:var(--position);text-decoration:none;white-space:pre">Other Retail</span></div></div></div></td><td style="border-bottom:0.5pt solid #000;border-left:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:210.75pt;position:var(--position);top:245.25pt;width:45pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:45pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:23.82pt"></span></span><span style="left:26.45pt;position:var(--position)">950<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="border-bottom:0.5pt solid #000;border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-left:0.5pt solid #000;border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-left:0.5pt solid #000;border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;border-left:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:267pt;position:var(--position);top:245.25pt;width:47.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:47.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:25.97pt"></span></span><span style="left:28.599999999999998pt;position:var(--position)">(215)<span style="display:inline-block;height:6.4pt;width:0.07pt"></span></span></span></div></div></div></td><td style="border-bottom:0.5pt solid #000;border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-left:0.5pt solid #000;border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;border-left:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:322.5pt;position:var(--position);top:245.25pt;width:47.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:47.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:27.57pt"></span></span><span style="left:30.2pt;position:var(--position)">275<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="border-bottom:0.5pt solid #000;border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-left:0.5pt solid #000;border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-left:0.5pt solid #000;border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;border-left:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:381pt;position:var(--position);top:245.25pt;width:47.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:47.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:30.67pt"></span></span><span style="left:33.300000000000004pt;position:var(--position)">60<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="border-bottom:0.5pt solid #000;border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-left:0.5pt solid #000;border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;border-left:0.5pt solid #000;border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:436.5pt;position:var(--position);top:245.25pt;width:45pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:45pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:20.22pt"></span></span><span style="left:22.849999999999998pt;position:var(--position)">1,010<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:257.25pt;width:210.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:210.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Retail</span></div></div></div></td><td style="border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:210.75pt;position:var(--position);top:257.25pt;width:45pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:45pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:17.68pt"></span></span><span style="left:20.31pt;position:var(--position)">2,476<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-left:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:267pt;position:var(--position);top:257.25pt;width:47.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:47.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:22.45pt"></span></span><span style="left:25.08pt;position:var(--position)">(440)<span style="display:inline-block;height:6.4pt;width:0.07pt"></span></span></span></div></div></div></td><td style="border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:322.5pt;position:var(--position);top:257.25pt;width:47.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:47.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:26.58pt"></span></span><span style="left:29.209999999999997pt;position:var(--position)">342<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-left:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:381pt;position:var(--position);top:257.25pt;width:47.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:47.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:27.95pt"></span></span><span style="left:30.58pt;position:var(--position)">(98)<span style="display:inline-block;height:6.4pt;width:0.07pt"></span></span></span></div></div></div></td><td style="border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:436.5pt;position:var(--position);top:257.25pt;width:45pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:45pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:18pt"></span></span><span style="left:20.63pt;position:var(--position)">2,378<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:269.25pt;width:210.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:210.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Commercial Banking</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:210.75pt;position:var(--position);top:269.25pt;width:45pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:45pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:24.57pt"></span></span><span style="left:27.2pt;position:var(--position)">976<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-left:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:267pt;position:var(--position);top:269.25pt;width:47.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:47.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:27.62pt"></span></span><span style="left:30.25pt;position:var(--position)">(80)<span style="display:inline-block;height:6.4pt;width:0.07pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:322.5pt;position:var(--position);top:269.25pt;width:47.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:47.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:31pt"></span></span><span style="left:33.63pt;position:var(--position)">99<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-left:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:381pt;position:var(--position);top:269.25pt;width:47.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:47.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:33.1pt"></span></span><span style="left:35.730000000000004pt;position:var(--position)">19<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:436.5pt;position:var(--position);top:269.25pt;width:45pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:45pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:24.15pt"></span></span><span style="left:26.779999999999998pt;position:var(--position)">995<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:281.25pt;width:210.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:210.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Other</span></div></div></div></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:210.75pt;position:var(--position);top:281.25pt;width:45pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:45pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:35.77pt"></span></span><span style="left:38.400000000000006pt;position:var(--position)">1<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-left:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:267pt;position:var(--position);top:281.25pt;width:47.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:47.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:35.06pt"></span></span><span style="left:37.690000000000005pt;position:var(--position)">(1)<span style="display:inline-block;height:6.4pt;width:0.07pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:322.5pt;position:var(--position);top:281.25pt;width:47.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:47.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:38.02pt"></span></span><span style="left:40.650000000000006pt;position:var(--position)">1<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-left:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:381pt;position:var(--position);top:281.25pt;width:47.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:47.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:36.84pt"></span></span><span style="left:39.470000000000006pt;position:var(--position)">–<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:436.5pt;position:var(--position);top:281.25pt;width:45pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:45pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:35.77pt"></span></span><span style="left:38.400000000000006pt;position:var(--position)">1<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:293.25pt;width:210.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:210.75pt"><span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Total</span></div></div></div></td><td style="border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:210.75pt;position:var(--position);top:293.25pt;width:45pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:45pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:17.31pt"></span></span><span style="left:19.939999999999998pt;position:var(--position)">3,453<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-left:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:267pt;position:var(--position);top:293.25pt;width:47.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:47.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:25.97pt"></span></span><span style="left:28.599999999999998pt;position:var(--position)">(521)<span style="display:inline-block;height:6.4pt;width:0.07pt"></span></span></span></div></div></div></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:322.5pt;position:var(--position);top:293.25pt;width:47.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:47.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:26.17pt"></span></span><span style="left:28.8pt;position:var(--position)">442<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-left:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:381pt;position:var(--position);top:293.25pt;width:47.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:47.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:28.78pt"></span></span><span style="left:31.41pt;position:var(--position)">(79)<span style="display:inline-block;height:6.4pt;width:0.07pt"></span></span></span></div></div></div></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:436.5pt;position:var(--position);top:293.25pt;width:45pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:45pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:17.73pt"></span></span><span style="left:20.36pt;position:var(--position)">3,374<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td></tr><tr style="height:3pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="height:3pt;overflow:hidden;position:var(--position);top:305.25pt;width:210.75pt"><div><div style="line-height:8pt;position:var(--position);top:-6pt;width:210.75pt"><span style="font-family:'Arial', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);white-space:pre"> </span></div></div></div></td><td style="border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;border-left:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-left:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td></tr><tr style="height:8.25pt"><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td></tr><tr style="height:51.75pt"><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:210.75pt;position:var(--position);top:316.5pt;width:45pt"><div><div style="line-height:8pt;position:var(--position);top:3.85pt;width:45pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:10.64pt;position:var(--position);text-decoration:none;white-space:pre">Opening </span></div><div style="line-height:8pt;position:var(--position);top:13.45pt;width:45pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:17.72pt;position:var(--position);text-decoration:none;white-space:pre">ECL at</span></div><div style="line-height:8pt;position:var(--position);top:23.05pt;width:45pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:18.65pt;position:var(--position);text-decoration:none;white-space:pre">30 Jun</span></div><div style="line-height:8pt;position:var(--position);top:32.65pt;width:45pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:23.54pt;position:var(--position);text-decoration:none;white-space:pre">2025</span></div><div style="line-height:8pt;position:var(--position);top:42.25pt;width:45pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:30.78pt;position:var(--position);text-decoration:none;white-space:pre">£m</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:267pt;position:var(--position);top:316.5pt;width:47.25pt"><div><div style="line-height:8pt;position:var(--position);top:23.05pt;width:47.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:6.73pt;position:var(--position);text-decoration:none;white-space:pre">Write-offs</span></div><div style="line-height:8pt;position:var(--position);top:32.65pt;width:47.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:8.14pt;position:var(--position);text-decoration:none;white-space:pre">and other</span></div><div style="line-height:8pt;position:var(--position);top:42.25pt;width:47.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:33.03pt;position:var(--position);text-decoration:none;white-space:pre">£m</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:322.5pt;position:var(--position);top:316.5pt;width:47.25pt"><div><div style="line-height:8pt;position:var(--position);top:3.85pt;width:47.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:17.02pt;position:var(--position);text-decoration:none;white-space:pre">Income</span></div><div style="line-height:8pt;position:var(--position);top:13.45pt;width:47.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:5.89pt;position:var(--position);text-decoration:none;white-space:pre">statement</span></div><div style="line-height:8pt;position:var(--position);top:23.05pt;width:47.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:19.78pt;position:var(--position);text-decoration:none;white-space:pre">charge </span></div><div style="line-height:8pt;position:var(--position);top:32.65pt;width:47.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:16.83pt;position:var(--position);text-decoration:none;white-space:pre">(credit)</span></div><div style="line-height:8pt;position:var(--position);top:42.25pt;width:47.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:33.03pt;position:var(--position);text-decoration:none;white-space:pre">£m</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:381pt;position:var(--position);top:316.5pt;width:47.25pt"><div><div style="line-height:8pt;position:var(--position);top:13.45pt;width:47.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:13.93pt;position:var(--position);text-decoration:none;white-space:pre">Net ECL</span></div><div style="line-height:8pt;position:var(--position);top:23.05pt;width:47.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:14.06pt;position:var(--position);text-decoration:none;white-space:pre">increase</span></div><div style="line-height:8pt;position:var(--position);top:32.65pt;width:47.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:5.56pt;position:var(--position);text-decoration:none;white-space:pre">(decrease)</span></div><div style="line-height:8pt;position:var(--position);top:42.25pt;width:47.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:33.03pt;position:var(--position);text-decoration:none;white-space:pre">£m</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:436.5pt;position:var(--position);top:316.5pt;width:45pt"><div><div style="line-height:8pt;position:var(--position);top:3.85pt;width:45pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:15.5pt;position:var(--position);text-decoration:none;white-space:pre">Closing </span></div><div style="line-height:8pt;position:var(--position);top:13.45pt;width:45pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:17.72pt;position:var(--position);text-decoration:none;white-space:pre">ECL at</span></div><div style="line-height:8pt;position:var(--position);top:23.05pt;width:45pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:18.3pt;position:var(--position);text-decoration:none;white-space:pre">31 Dec</span></div><div style="line-height:8pt;position:var(--position);top:32.65pt;width:45pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:23.54pt;position:var(--position);text-decoration:none;white-space:pre">2025</span></div><div style="line-height:8pt;position:var(--position);top:42.25pt;width:45pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:30.78pt;position:var(--position);text-decoration:none;white-space:pre">£m</span></div></div></div></td></tr><tr style="height:8.25pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="height:8.25pt;overflow:hidden;position:var(--position);top:368.25pt;width:210.75pt"><div><div style="line-height:8pt;position:var(--position);top:-0.75pt;width:210.75pt"><span style="font-family:'Arial', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);white-space:pre"> </span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td></tr><tr style="height:3pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="height:3pt;overflow:hidden;position:var(--position);top:376.5pt;width:210.75pt"><div><div style="line-height:8pt;position:var(--position);top:-6pt;width:210.75pt"><span style="font-family:'Arial', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);white-space:pre"> </span></div></div></div></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-left:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-right:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-left:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td></tr><tr style="height:12pt"><td style="border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:379.5pt;width:210.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:210.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:8.3pt;position:var(--position);text-decoration:none;white-space:pre">UK mortgages</span></div></div></div></td><td style="border-left:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:210.75pt;position:var(--position);top:379.5pt;width:45pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:45pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:24.24pt"></span></span><span style="left:26.869999999999997pt;position:var(--position)">709<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="border-right:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-left:0.5pt solid #000;border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-left:0.5pt solid #000;border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-left:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:267pt;position:var(--position);top:379.5pt;width:47.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:47.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:30.46pt"></span></span><span style="left:33.09pt;position:var(--position)">(51)<span style="display:inline-block;height:6.4pt;width:0.07pt"></span></span></span></div></div></div></td><td style="border-right:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-left:0.5pt solid #000;border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-left:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:322.5pt;position:var(--position);top:379.5pt;width:47.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:47.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:31.98pt"></span></span><span style="left:34.61pt;position:var(--position)">73<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="border-right:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-left:0.5pt solid #000;border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-left:0.5pt solid #000;border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-left:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:381pt;position:var(--position);top:379.5pt;width:47.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:47.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:31.86pt"></span></span><span style="left:34.49pt;position:var(--position)">22<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="border-right:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-left:0.5pt solid #000;border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-left:0.5pt solid #000;border-right:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:436.5pt;position:var(--position);top:379.5pt;width:45pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:45pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:26.91pt"></span></span><span style="left:29.54pt;position:var(--position)">731<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:391.5pt;width:210.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:210.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:8.3pt;position:var(--position);text-decoration:none;white-space:pre">Credit cards</span></div></div></div></td><td style="border-left:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:210.75pt;position:var(--position);top:391.5pt;width:45pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:45pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:24.15pt"></span></span><span style="left:26.779999999999998pt;position:var(--position)">659<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-left:0.5pt solid #000;border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-left:0.5pt solid #000;border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-left:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:267pt;position:var(--position);top:391.5pt;width:47.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:47.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:26.7pt"></span></span><span style="left:29.33pt;position:var(--position)">(177)<span style="display:inline-block;height:6.4pt;width:0.07pt"></span></span></span></div></div></div></td><td style="border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-left:0.5pt solid #000;border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-left:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:322.5pt;position:var(--position);top:391.5pt;width:47.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:47.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:30.71pt"></span></span><span style="left:33.34pt;position:var(--position)">121<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-left:0.5pt solid #000;border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-left:0.5pt solid #000;border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-left:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:381pt;position:var(--position);top:391.5pt;width:47.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:47.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:28.36pt"></span></span><span style="left:30.99pt;position:var(--position)">(56)<span style="display:inline-block;height:6.4pt;width:0.07pt"></span></span></span></div></div></div></td><td style="border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-left:0.5pt solid #000;border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-left:0.5pt solid #000;border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:436.5pt;position:var(--position);top:391.5pt;width:45pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:45pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:23.74pt"></span></span><span style="left:26.369999999999997pt;position:var(--position)">603<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:403.5pt;width:210.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:210.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:8.3pt;position:var(--position);text-decoration:none;white-space:pre">Other Retail</span></div></div></div></td><td style="border-bottom:0.5pt solid #000;border-left:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:210.75pt;position:var(--position);top:403.5pt;width:45pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:45pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:20.22pt"></span></span><span style="left:22.849999999999998pt;position:var(--position)">1,010<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="border-bottom:0.5pt solid #000;border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-left:0.5pt solid #000;border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-left:0.5pt solid #000;border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;border-left:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:267pt;position:var(--position);top:403.5pt;width:47.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:47.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:26.39pt"></span></span><span style="left:29.02pt;position:var(--position)">(217)<span style="display:inline-block;height:6.4pt;width:0.07pt"></span></span></span></div></div></div></td><td style="border-bottom:0.5pt solid #000;border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-left:0.5pt solid #000;border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;border-left:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:322.5pt;position:var(--position);top:403.5pt;width:47.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:47.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:28.09pt"></span></span><span style="left:30.72pt;position:var(--position)">198<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="border-bottom:0.5pt solid #000;border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-left:0.5pt solid #000;border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-left:0.5pt solid #000;border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;border-left:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:381pt;position:var(--position);top:403.5pt;width:47.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:47.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:30.14pt"></span></span><span style="left:32.77pt;position:var(--position)">(19)<span style="display:inline-block;height:6.4pt;width:0.07pt"></span></span></span></div></div></div></td><td style="border-bottom:0.5pt solid #000;border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-left:0.5pt solid #000;border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;border-left:0.5pt solid #000;border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:436.5pt;position:var(--position);top:403.5pt;width:45pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:45pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:25.93pt"></span></span><span style="left:28.56pt;position:var(--position)">991<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:415.5pt;width:210.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:210.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Retail</span></div></div></div></td><td style="border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:210.75pt;position:var(--position);top:415.5pt;width:45pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:45pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:18pt"></span></span><span style="left:20.63pt;position:var(--position)">2,378<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-left:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:267pt;position:var(--position);top:415.5pt;width:47.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:47.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:23.1pt"></span></span><span style="left:25.73pt;position:var(--position)">(445)<span style="display:inline-block;height:6.4pt;width:0.07pt"></span></span></span></div></div></div></td><td style="border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:322.5pt;position:var(--position);top:415.5pt;width:47.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:47.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:26.75pt"></span></span><span style="left:29.38pt;position:var(--position)">392<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-left:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:381pt;position:var(--position);top:415.5pt;width:47.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:47.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:28.6pt"></span></span><span style="left:31.23pt;position:var(--position)">(53)<span style="display:inline-block;height:6.4pt;width:0.07pt"></span></span></span></div></div></div></td><td style="border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:436.5pt;position:var(--position);top:415.5pt;width:45pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:45pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:18.1pt"></span></span><span style="left:20.73pt;position:var(--position)">2,325<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:427.5pt;width:210.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:210.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Commercial Banking</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:210.75pt;position:var(--position);top:427.5pt;width:45pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:45pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:24.15pt"></span></span><span style="left:26.779999999999998pt;position:var(--position)">995<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-left:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:267pt;position:var(--position);top:427.5pt;width:47.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:47.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:27.62pt"></span></span><span style="left:30.25pt;position:var(--position)">(80)<span style="display:inline-block;height:6.4pt;width:0.07pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:322.5pt;position:var(--position);top:427.5pt;width:47.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:47.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:27.54pt"></span></span><span style="left:30.169999999999998pt;position:var(--position)">(40)<span style="display:inline-block;height:6.4pt;width:0.07pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-left:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:381pt;position:var(--position);top:427.5pt;width:47.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:47.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:25.32pt"></span></span><span style="left:27.95pt;position:var(--position)">(120)<span style="display:inline-block;height:6.4pt;width:0.07pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:436.5pt;position:var(--position);top:427.5pt;width:45pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:45pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:24.8pt"></span></span><span style="left:27.43pt;position:var(--position)">875<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:439.5pt;width:210.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:210.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Other</span></div></div></div></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:210.75pt;position:var(--position);top:439.5pt;width:45pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:45pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:35.77pt"></span></span><span style="left:38.400000000000006pt;position:var(--position)">1<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-left:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:267pt;position:var(--position);top:439.5pt;width:47.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:47.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:36.35pt"></span></span><span style="left:38.980000000000004pt;position:var(--position)">2<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:322.5pt;position:var(--position);top:439.5pt;width:47.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:47.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:33.39pt"></span></span><span style="left:36.02pt;position:var(--position)">(2)<span style="display:inline-block;height:6.4pt;width:0.07pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-left:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:381pt;position:var(--position);top:439.5pt;width:47.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:47.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:36.84pt"></span></span><span style="left:39.470000000000006pt;position:var(--position)">–<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:436.5pt;position:var(--position);top:439.5pt;width:45pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:45pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:35.77pt"></span></span><span style="left:38.400000000000006pt;position:var(--position)">1<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:451.5pt;width:210.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:210.75pt"><span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Total</span></div></div></div></td><td style="border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:210.75pt;position:var(--position);top:451.5pt;width:45pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:45pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:17.73pt"></span></span><span style="left:20.36pt;position:var(--position)">3,374<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-left:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:267pt;position:var(--position);top:451.5pt;width:47.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:47.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:24.11pt"></span></span><span style="left:26.74pt;position:var(--position)">(523)<span style="display:inline-block;height:6.4pt;width:0.07pt"></span></span></span></div></div></div></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:322.5pt;position:var(--position);top:451.5pt;width:47.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:47.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:26.31pt"></span></span><span style="left:28.939999999999998pt;position:var(--position)">350<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-left:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:381pt;position:var(--position);top:451.5pt;width:47.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:47.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:26.2pt"></span></span><span style="left:28.83pt;position:var(--position)">(173)<span style="display:inline-block;height:6.4pt;width:0.07pt"></span></span></span></div></div></div></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:436.5pt;position:var(--position);top:451.5pt;width:45pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:45pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:19.12pt"></span></span><span style="left:21.75pt;position:var(--position)">3,201<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td></tr><tr style="height:3pt"><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;border-left:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;border-right:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-left:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td></tr></tbody></table></div></div></div> -731000000 -101000000 39000000 62000000 -669000000 -603000000 -222000000 264000000 -42000000 -645000000 -991000000 -271000000 262000000 9000000 -982000000 -2325000000 -594000000 565000000 29000000 -2296000000 -875000000 -72000000 47000000 25000000 -850000000 -1000000 0 0 0 -1000000 -3201000000 -666000000 612000000 54000000 -3147000000 -852000000 -10000000 -133000000 143000000 -709000000 -674000000 -215000000 200000000 15000000 -659000000 -950000000 -215000000 275000000 -60000000 -1010000000 -2476000000 -440000000 342000000 98000000 -2378000000 -976000000 -80000000 99000000 -19000000 -995000000 -1000000 -1000000 1000000 0 -1000000 -3453000000 -521000000 442000000 79000000 -3374000000 -709000000 -51000000 73000000 -22000000 -731000000 -659000000 -177000000 121000000 56000000 -603000000 -1010000000 -217000000 198000000 19000000 -991000000 -2378000000 -445000000 392000000 53000000 -2325000000 -995000000 -80000000 -40000000 120000000 -875000000 -1000000 2000000 -2000000 0 -1000000 -3374000000 -523000000 350000000 173000000 -3201000000 -250000000 -211000000 -243000000 <span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:9pt;font-style:normal;font-weight:bold;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre">Note 11: Debt securities in issue</span><div style="position:var(--position);top:94.29pt;width:594.99pt"><div style="font-size:0pt;left:56.69pt;position:var(--position);width:481.5pt"><div><table style="border-collapse:collapse;display:inline-table;width:100%"><tbody><tr style="height:0"><td style="padding:0;width:153.75pt"></td><td style="padding:0;width:50.25pt"></td><td style="padding:0;width:5.25pt"></td><td style="padding:0;width:50.25pt"></td><td style="padding:0;width:5.25pt"></td><td style="padding:0;width:50.25pt"></td><td style="padding:0;width:5.25pt"></td><td style="padding:0;width:50.25pt"></td><td style="padding:0;width:5.25pt"></td><td style="padding:0;width:50.25pt"></td><td style="padding:0;width:5.25pt"></td><td style="padding:0;width:50.25pt"></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"></td><td colspan="5" style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:153.75pt;position:var(--position);width:161.25pt"><div><div style="font-size:12pt;line-height:8pt;position:var(--position);top:2.63pt;width:161.25pt"><span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:50.26pt;position:var(--position);text-decoration:none;white-space:pre">At 30 June </span><span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:91.62pt;position:var(--position);text-decoration:none;white-space:pre">2026</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td colspan="5" style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:320.25pt;position:var(--position);width:161.25pt"><div><div style="font-size:12pt;line-height:8pt;position:var(--position);top:2.63pt;width:161.25pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:40.7pt;position:var(--position);text-decoration:none;white-space:pre">At 31 December </span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:101.71000000000001pt;position:var(--position);text-decoration:none;white-space:pre">2025</span></div></div></div></td></tr><tr style="height:60pt"><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:153.75pt;position:var(--position);top:12pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:38.6pt;position:var(--position);text-decoration:none;white-space:pre">At</span></div><div style="line-height:8pt;position:var(--position);top:12.23pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:13.17pt;position:var(--position);text-decoration:none;white-space:pre">fair value</span></div><div style="line-height:8pt;position:var(--position);top:21.83pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:17.96pt;position:var(--position);text-decoration:none;white-space:pre">through</span></div><div style="line-height:8pt;position:var(--position);top:31.43pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:26.34pt;position:var(--position);text-decoration:none;white-space:pre">profit</span></div><div style="line-height:8pt;position:var(--position);top:41.03pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:23.88pt;position:var(--position);text-decoration:none;white-space:pre">or loss</span></div><div style="line-height:8pt;position:var(--position);top:50.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:35.97pt;position:var(--position);text-decoration:none;white-space:pre">£m</span></div></div></div></td><td style="border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:209.25pt;position:var(--position);top:12pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:21.7pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:38.6pt;position:var(--position);text-decoration:none;white-space:pre">At</span></div><div style="line-height:8pt;position:var(--position);top:31.3pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:9.63pt;position:var(--position);text-decoration:none;white-space:pre">amortised</span></div><div style="line-height:8pt;position:var(--position);top:40.9pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:31.74pt;position:var(--position);text-decoration:none;white-space:pre">cost</span></div><div style="line-height:8pt;position:var(--position);top:50.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:35.97pt;position:var(--position);text-decoration:none;white-space:pre">£m</span></div></div></div></td><td style="border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:264.75pt;position:var(--position);top:12pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:40.9pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:27.81pt;position:var(--position);text-decoration:none;white-space:pre">Total</span></div><div style="line-height:8pt;position:var(--position);top:50.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:35.97pt;position:var(--position);text-decoration:none;white-space:pre">£m</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:320.25pt;position:var(--position);top:12pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:38.74pt;position:var(--position);text-decoration:none;white-space:pre">At</span></div><div style="line-height:8pt;position:var(--position);top:12.23pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:13.47pt;position:var(--position);text-decoration:none;white-space:pre">fair value</span></div><div style="line-height:8pt;position:var(--position);top:21.83pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:18.23pt;position:var(--position);text-decoration:none;white-space:pre">through</span></div><div style="line-height:8pt;position:var(--position);top:31.43pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:26.58pt;position:var(--position);text-decoration:none;white-space:pre">profit</span></div><div style="line-height:8pt;position:var(--position);top:41.03pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:24.08pt;position:var(--position);text-decoration:none;white-space:pre">or loss</span></div><div style="line-height:8pt;position:var(--position);top:50.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:36.03pt;position:var(--position);text-decoration:none;white-space:pre">£m</span></div></div></div></td><td style="border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:375.75pt;position:var(--position);top:12pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:21.7pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:38.74pt;position:var(--position);text-decoration:none;white-space:pre">At</span></div><div style="line-height:8pt;position:var(--position);top:31.3pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:9.96pt;position:var(--position);text-decoration:none;white-space:pre">amortised</span></div><div style="line-height:8pt;position:var(--position);top:40.9pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:31.9pt;position:var(--position);text-decoration:none;white-space:pre">cost</span></div><div style="line-height:8pt;position:var(--position);top:50.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:36.03pt;position:var(--position);text-decoration:none;white-space:pre">£m</span></div></div></div></td><td style="border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:12pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:40.9pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:28.04pt;position:var(--position);text-decoration:none;white-space:pre">Total</span></div><div style="line-height:8pt;position:var(--position);top:50.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:36.03pt;position:var(--position);text-decoration:none;white-space:pre">£m</span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:84pt;width:153.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:153.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Senior unsecured notes issued</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:153.75pt;position:var(--position);top:84pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:24.48pt"></span></span><span style="left:27.11pt;position:var(--position)">4,221<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:209.25pt;position:var(--position);top:84pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:19.5pt"></span></span><span style="left:22.13pt;position:var(--position)">21,294<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:264.75pt;position:var(--position);top:84pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:20.25pt"></span></span><span style="left:22.88pt;position:var(--position)">25,515<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:320.25pt;position:var(--position);top:84pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:22.69pt"></span></span><span style="left:25.32pt;position:var(--position)">4,226<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:375.75pt;position:var(--position);top:84pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:17.74pt"></span></span><span style="left:20.369999999999997pt;position:var(--position)">20,356<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:84pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:18pt"></span></span><span style="left:20.63pt;position:var(--position)">24,582<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:96pt;width:153.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:153.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Covered bonds</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:153.75pt;position:var(--position);top:96pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:39.84pt"></span></span><span style="left:42.470000000000006pt;position:var(--position)">–<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:209.25pt;position:var(--position);top:96pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:19.61pt"></span></span><span style="left:22.24pt;position:var(--position)">12,706<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:264.75pt;position:var(--position);top:96pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:19.61pt"></span></span><span style="left:22.24pt;position:var(--position)">12,706<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:320.25pt;position:var(--position);top:96pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:39.91pt"></span></span><span style="left:42.54pt;position:var(--position)">–<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:375.75pt;position:var(--position);top:96pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:21.54pt"></span></span><span style="left:24.169999999999998pt;position:var(--position)">11,264<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:96pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:21.54pt"></span></span><span style="left:24.169999999999998pt;position:var(--position)">11,264<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:108pt;width:153.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:153.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Certificates of deposit issued</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:153.75pt;position:var(--position);top:108pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:39.84pt"></span></span><span style="left:42.470000000000006pt;position:var(--position)">–<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:209.25pt;position:var(--position);top:108pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:22.47pt"></span></span><span style="left:25.099999999999998pt;position:var(--position)">4,475<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:264.75pt;position:var(--position);top:108pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:22.47pt"></span></span><span style="left:25.099999999999998pt;position:var(--position)">4,475<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:320.25pt;position:var(--position);top:108pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:39.91pt"></span></span><span style="left:42.54pt;position:var(--position)">–<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:375.75pt;position:var(--position);top:108pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:22pt"></span></span><span style="left:24.63pt;position:var(--position)">2,484<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:108pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:22pt"></span></span><span style="left:24.63pt;position:var(--position)">2,484<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:120pt;width:153.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:153.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Securitisation notes</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:153.75pt;position:var(--position);top:120pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:36.7pt"></span></span><span style="left:39.330000000000005pt;position:var(--position)">17<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:209.25pt;position:var(--position);top:120pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:22.34pt"></span></span><span style="left:24.97pt;position:var(--position)">7,036<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:264.75pt;position:var(--position);top:120pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:22.69pt"></span></span><span style="left:25.32pt;position:var(--position)">7,053<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:320.25pt;position:var(--position);top:120pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:36.91pt"></span></span><span style="left:39.54pt;position:var(--position)">17<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:375.75pt;position:var(--position);top:120pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:22.99pt"></span></span><span style="left:25.619999999999997pt;position:var(--position)">6,325<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:120pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:22.5pt"></span></span><span style="left:25.13pt;position:var(--position)">6,342<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:132pt;width:153.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:153.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Commercial paper</span></div></div></div></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:153.75pt;position:var(--position);top:132pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:39.84pt"></span></span><span style="left:42.470000000000006pt;position:var(--position)">–<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:209.25pt;position:var(--position);top:132pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:20.29pt"></span></span><span style="left:22.919999999999998pt;position:var(--position)">17,295<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:264.75pt;position:var(--position);top:132pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:20.29pt"></span></span><span style="left:22.919999999999998pt;position:var(--position)">17,295<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:320.25pt;position:var(--position);top:132pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:39.91pt"></span></span><span style="left:42.54pt;position:var(--position)">–<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:375.75pt;position:var(--position);top:132pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:21.93pt"></span></span><span style="left:24.56pt;position:var(--position)">11,703<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:132pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:21.93pt"></span></span><span style="left:24.56pt;position:var(--position)">11,703<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:153.75pt;position:var(--position);top:144pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:22.17pt"></span></span><span style="left:24.8pt;position:var(--position)">4,238<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:209.25pt;position:var(--position);top:144pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:16.73pt"></span></span><span style="left:19.36pt;position:var(--position)">62,806<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:264.75pt;position:var(--position);top:144pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:16.81pt"></span></span><span style="left:19.439999999999998pt;position:var(--position)">67,044<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:320.25pt;position:var(--position);top:144pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:22.33pt"></span></span><span style="left:24.959999999999997pt;position:var(--position)">4,243<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:375.75pt;position:var(--position);top:144pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:20.6pt"></span></span><span style="left:23.23pt;position:var(--position)">52,132<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:144pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:18.7pt"></span></span><span style="left:21.33pt;position:var(--position)">56,375<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td></tr></tbody></table></div></div></div><div style="font-size:12pt;line-height:9pt;position:var(--position);top:263.29pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:9pt;font-style:italic;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre">Covered bonds and securitisation programmes</span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:277.09pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:49.42pt">At 30 June </span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:106.11pt;position:var(--position);text-decoration:none;white-space:pre;width:21.55pt">2026</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:127.66pt;position:var(--position);text-decoration:none;white-space:pre;width:410.51pt">, the covered bonds held by external parties and those held internally, were secured on certain</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.1700000000001pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:289.69pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:205.67pt">loans and advances to customers amounting to </span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:262.36pt;position:var(--position);text-decoration:none;white-space:pre;width:65.59pt">£33,936 million</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:327.95pt;position:var(--position);text-decoration:none;white-space:pre;width:6.48pt"> (</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:334.43pt;position:var(--position);text-decoration:none;white-space:pre;width:57.99pt">31 December </span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:392.42pt;position:var(--position);text-decoration:none;white-space:pre;width:21.19pt">2025</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:413.61pt;position:var(--position);text-decoration:none;white-space:pre;width:5.54pt">: </span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:419.15pt;position:var(--position);text-decoration:none;white-space:pre;width:64.46pt">£22,072 million</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:483.61pt;position:var(--position);text-decoration:none;white-space:pre;width:54.62pt">) which have</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.23pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:302.29pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:481.48pt">been assigned to bankruptcy remote limited liability partnerships to provide security for issues of covered bonds by</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.1700000000001pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:314.89pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:481.55pt">the Group. The Group retains all of the risks and rewards associated with these loans and the partnerships are</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.24pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:327.49pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:300.63pt">consolidated fully with the loans retained on the Group’s balance sheet.</span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:348.09pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:481.47pt">The Group’s securitisation vehicles issue notes that are held both externally and internally, and are secured on</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.1600000000001pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:360.69pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:212.81pt">loans and advances to customers amounting to </span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:269.5pt;position:var(--position);text-decoration:none;white-space:pre;width:65.33pt">£29,372 million</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:334.83pt;position:var(--position);text-decoration:none;white-space:pre;width:4.17pt"> </span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:339pt;position:var(--position);text-decoration:none;white-space:pre;width:50.66pt">at 30 June </span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:389.66pt;position:var(--position);text-decoration:none;white-space:pre;width:21.55pt">2026</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:411.21pt;position:var(--position);text-decoration:none;white-space:pre;width:4.17pt"> </span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:415.38pt;position:var(--position);text-decoration:none;white-space:pre;width:3.33pt">(</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:418.71pt;position:var(--position);text-decoration:none;white-space:pre;width:60.03pt">31 December </span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:478.74pt;position:var(--position);text-decoration:none;white-space:pre;width:21.19pt">2025</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:499.93pt;position:var(--position);text-decoration:none;white-space:pre;width:6.56pt">: </span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:506.49pt;position:var(--position);text-decoration:none;white-space:pre;width:31.74pt">£27,418</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.23pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:373.29pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:28.1pt">million</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:84.78999999999999pt;position:var(--position);text-decoration:none;white-space:pre;width:346.27pt">), the majority of which have been sold to bankruptcy remote structured entities. </span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:431.06pt;position:var(--position);text-decoration:none;white-space:pre;width:107.16pt">As the structured entities</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.22pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:385.89pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:481.55pt">are funded by the issue of debt on terms whereby the majority of the risks and rewards of the portfolio are</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.24pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:398.49pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:481.53pt">retained by the subsidiary, the structured entities are consolidated fully and all of these loans are retained on the</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.22pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:411.09pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:95.3pt">Group’s balance sheet.</span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:431.69pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:76.57pt">Cash deposits of £</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:133.26pt;position:var(--position);text-decoration:none;white-space:pre;width:24.04pt">3,695</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:157.3pt;position:var(--position);text-decoration:none;white-space:pre;width:92.6pt"> million (31 December </span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:249.9pt;position:var(--position);text-decoration:none;white-space:pre;width:21.19pt">2025</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:271.09000000000003pt;position:var(--position);text-decoration:none;white-space:pre;width:4.76pt">: </span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:275.85pt;position:var(--position);text-decoration:none;white-space:pre;width:59.05pt">£3,326 million</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:334.9pt;position:var(--position);text-decoration:none;white-space:pre;width:203.28pt">) which support the debt securities issued by the</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.1800000000001pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:444.29pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:479.62pt">structured entities, the term advances related to covered bonds and other legal obligations, are held by the Group.</span></div> <div style="font-size:0pt;left:56.69pt;position:var(--position);width:481.5pt"><div><table style="border-collapse:collapse;display:inline-table;width:100%"><tbody><tr style="height:0"><td style="padding:0;width:153.75pt"></td><td style="padding:0;width:50.25pt"></td><td style="padding:0;width:5.25pt"></td><td style="padding:0;width:50.25pt"></td><td style="padding:0;width:5.25pt"></td><td style="padding:0;width:50.25pt"></td><td style="padding:0;width:5.25pt"></td><td style="padding:0;width:50.25pt"></td><td style="padding:0;width:5.25pt"></td><td style="padding:0;width:50.25pt"></td><td style="padding:0;width:5.25pt"></td><td style="padding:0;width:50.25pt"></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"></td><td colspan="5" style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:153.75pt;position:var(--position);width:161.25pt"><div><div style="font-size:12pt;line-height:8pt;position:var(--position);top:2.63pt;width:161.25pt"><span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:50.26pt;position:var(--position);text-decoration:none;white-space:pre">At 30 June </span><span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:91.62pt;position:var(--position);text-decoration:none;white-space:pre">2026</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td colspan="5" style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:320.25pt;position:var(--position);width:161.25pt"><div><div style="font-size:12pt;line-height:8pt;position:var(--position);top:2.63pt;width:161.25pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:40.7pt;position:var(--position);text-decoration:none;white-space:pre">At 31 December </span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:101.71000000000001pt;position:var(--position);text-decoration:none;white-space:pre">2025</span></div></div></div></td></tr><tr style="height:60pt"><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:153.75pt;position:var(--position);top:12pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:38.6pt;position:var(--position);text-decoration:none;white-space:pre">At</span></div><div style="line-height:8pt;position:var(--position);top:12.23pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:13.17pt;position:var(--position);text-decoration:none;white-space:pre">fair value</span></div><div style="line-height:8pt;position:var(--position);top:21.83pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:17.96pt;position:var(--position);text-decoration:none;white-space:pre">through</span></div><div style="line-height:8pt;position:var(--position);top:31.43pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:26.34pt;position:var(--position);text-decoration:none;white-space:pre">profit</span></div><div style="line-height:8pt;position:var(--position);top:41.03pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:23.88pt;position:var(--position);text-decoration:none;white-space:pre">or loss</span></div><div style="line-height:8pt;position:var(--position);top:50.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:35.97pt;position:var(--position);text-decoration:none;white-space:pre">£m</span></div></div></div></td><td style="border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:209.25pt;position:var(--position);top:12pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:21.7pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:38.6pt;position:var(--position);text-decoration:none;white-space:pre">At</span></div><div style="line-height:8pt;position:var(--position);top:31.3pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:9.63pt;position:var(--position);text-decoration:none;white-space:pre">amortised</span></div><div style="line-height:8pt;position:var(--position);top:40.9pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:31.74pt;position:var(--position);text-decoration:none;white-space:pre">cost</span></div><div style="line-height:8pt;position:var(--position);top:50.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:35.97pt;position:var(--position);text-decoration:none;white-space:pre">£m</span></div></div></div></td><td style="border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:264.75pt;position:var(--position);top:12pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:40.9pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:27.81pt;position:var(--position);text-decoration:none;white-space:pre">Total</span></div><div style="line-height:8pt;position:var(--position);top:50.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:35.97pt;position:var(--position);text-decoration:none;white-space:pre">£m</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:320.25pt;position:var(--position);top:12pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:38.74pt;position:var(--position);text-decoration:none;white-space:pre">At</span></div><div style="line-height:8pt;position:var(--position);top:12.23pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:13.47pt;position:var(--position);text-decoration:none;white-space:pre">fair value</span></div><div style="line-height:8pt;position:var(--position);top:21.83pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:18.23pt;position:var(--position);text-decoration:none;white-space:pre">through</span></div><div style="line-height:8pt;position:var(--position);top:31.43pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:26.58pt;position:var(--position);text-decoration:none;white-space:pre">profit</span></div><div style="line-height:8pt;position:var(--position);top:41.03pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:24.08pt;position:var(--position);text-decoration:none;white-space:pre">or loss</span></div><div style="line-height:8pt;position:var(--position);top:50.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:36.03pt;position:var(--position);text-decoration:none;white-space:pre">£m</span></div></div></div></td><td style="border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:375.75pt;position:var(--position);top:12pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:21.7pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:38.74pt;position:var(--position);text-decoration:none;white-space:pre">At</span></div><div style="line-height:8pt;position:var(--position);top:31.3pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:9.96pt;position:var(--position);text-decoration:none;white-space:pre">amortised</span></div><div style="line-height:8pt;position:var(--position);top:40.9pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:31.9pt;position:var(--position);text-decoration:none;white-space:pre">cost</span></div><div style="line-height:8pt;position:var(--position);top:50.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:36.03pt;position:var(--position);text-decoration:none;white-space:pre">£m</span></div></div></div></td><td style="border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"></td><td style="border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:12pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:40.9pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:28.04pt;position:var(--position);text-decoration:none;white-space:pre">Total</span></div><div style="line-height:8pt;position:var(--position);top:50.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:36.03pt;position:var(--position);text-decoration:none;white-space:pre">£m</span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:84pt;width:153.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:153.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Senior unsecured notes issued</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:153.75pt;position:var(--position);top:84pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:24.48pt"></span></span><span style="left:27.11pt;position:var(--position)">4,221<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:209.25pt;position:var(--position);top:84pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:19.5pt"></span></span><span style="left:22.13pt;position:var(--position)">21,294<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:264.75pt;position:var(--position);top:84pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:20.25pt"></span></span><span style="left:22.88pt;position:var(--position)">25,515<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:320.25pt;position:var(--position);top:84pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:22.69pt"></span></span><span style="left:25.32pt;position:var(--position)">4,226<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:375.75pt;position:var(--position);top:84pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:17.74pt"></span></span><span style="left:20.369999999999997pt;position:var(--position)">20,356<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:84pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:18pt"></span></span><span style="left:20.63pt;position:var(--position)">24,582<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:96pt;width:153.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:153.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Covered bonds</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:153.75pt;position:var(--position);top:96pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:39.84pt"></span></span><span style="left:42.470000000000006pt;position:var(--position)">–<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:209.25pt;position:var(--position);top:96pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:19.61pt"></span></span><span style="left:22.24pt;position:var(--position)">12,706<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:264.75pt;position:var(--position);top:96pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:19.61pt"></span></span><span style="left:22.24pt;position:var(--position)">12,706<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:320.25pt;position:var(--position);top:96pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:39.91pt"></span></span><span style="left:42.54pt;position:var(--position)">–<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:375.75pt;position:var(--position);top:96pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:21.54pt"></span></span><span style="left:24.169999999999998pt;position:var(--position)">11,264<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:96pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:21.54pt"></span></span><span style="left:24.169999999999998pt;position:var(--position)">11,264<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:108pt;width:153.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:153.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Certificates of deposit issued</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:153.75pt;position:var(--position);top:108pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:39.84pt"></span></span><span style="left:42.470000000000006pt;position:var(--position)">–<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:209.25pt;position:var(--position);top:108pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:22.47pt"></span></span><span style="left:25.099999999999998pt;position:var(--position)">4,475<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:264.75pt;position:var(--position);top:108pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:22.47pt"></span></span><span style="left:25.099999999999998pt;position:var(--position)">4,475<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:320.25pt;position:var(--position);top:108pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:39.91pt"></span></span><span style="left:42.54pt;position:var(--position)">–<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:375.75pt;position:var(--position);top:108pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:22pt"></span></span><span style="left:24.63pt;position:var(--position)">2,484<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:108pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:22pt"></span></span><span style="left:24.63pt;position:var(--position)">2,484<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:120pt;width:153.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:153.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Securitisation notes</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:153.75pt;position:var(--position);top:120pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:36.7pt"></span></span><span style="left:39.330000000000005pt;position:var(--position)">17<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:209.25pt;position:var(--position);top:120pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:22.34pt"></span></span><span style="left:24.97pt;position:var(--position)">7,036<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:264.75pt;position:var(--position);top:120pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:22.69pt"></span></span><span style="left:25.32pt;position:var(--position)">7,053<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:320.25pt;position:var(--position);top:120pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:36.91pt"></span></span><span style="left:39.54pt;position:var(--position)">17<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:375.75pt;position:var(--position);top:120pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:22.99pt"></span></span><span style="left:25.619999999999997pt;position:var(--position)">6,325<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:120pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:22.5pt"></span></span><span style="left:25.13pt;position:var(--position)">6,342<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:132pt;width:153.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:153.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Commercial paper</span></div></div></div></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:153.75pt;position:var(--position);top:132pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:39.84pt"></span></span><span style="left:42.470000000000006pt;position:var(--position)">–<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:209.25pt;position:var(--position);top:132pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:20.29pt"></span></span><span style="left:22.919999999999998pt;position:var(--position)">17,295<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:264.75pt;position:var(--position);top:132pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:20.29pt"></span></span><span style="left:22.919999999999998pt;position:var(--position)">17,295<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:320.25pt;position:var(--position);top:132pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:39.91pt"></span></span><span style="left:42.54pt;position:var(--position)">–<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:375.75pt;position:var(--position);top:132pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:21.93pt"></span></span><span style="left:24.56pt;position:var(--position)">11,703<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:132pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:21.93pt"></span></span><span style="left:24.56pt;position:var(--position)">11,703<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:153.75pt;position:var(--position);top:144pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:22.17pt"></span></span><span style="left:24.8pt;position:var(--position)">4,238<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:209.25pt;position:var(--position);top:144pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:16.73pt"></span></span><span style="left:19.36pt;position:var(--position)">62,806<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:264.75pt;position:var(--position);top:144pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:16.81pt"></span></span><span style="left:19.439999999999998pt;position:var(--position)">67,044<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:320.25pt;position:var(--position);top:144pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:22.33pt"></span></span><span style="left:24.959999999999997pt;position:var(--position)">4,243<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:375.75pt;position:var(--position);top:144pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:20.6pt"></span></span><span style="left:23.23pt;position:var(--position)">52,132<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:144pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:18.7pt"></span></span><span style="left:21.33pt;position:var(--position)">56,375<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td></tr></tbody></table></div></div> 4221000000 21294000000 25515000000 4226000000 20356000000 24582000000 0 12706000000 12706000000 0 11264000000 11264000000 0 4475000000 4475000000 0 2484000000 2484000000 17000000 7036000000 7053000000 17000000 6325000000 6342000000 0 17295000000 17295000000 0 11703000000 11703000000 4238000000 62806000000 67044000000 4243000000 52132000000 56375000000 33936000000 22072000000 29372000000 27418000000 3695000000 3326000000 <span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:9pt;font-style:normal;font-weight:bold;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre">Note 12: Provisions</span><div style="position:var(--position);top:483.69pt;width:594.99pt"><div style="font-size:0pt;left:56.69pt;position:var(--position);width:481.5pt"><div><table style="border-collapse:collapse;display:inline-table;width:100%"><tbody><tr style="height:0"><td style="padding:0;width:264.75pt"></td><td style="padding:0;width:50.25pt"></td><td style="padding:0;width:5.25pt"></td><td style="padding:0;width:50.25pt"></td><td style="padding:0;width:5.25pt"></td><td style="padding:0;width:50.25pt"></td><td style="padding:0;width:5.25pt"></td><td style="padding:0;width:50.25pt"></td></tr><tr style="height:50.25pt"><td colspan="2" style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);width:315pt"><div><div style="line-height:8pt;position:var(--position);top:2.35pt;width:315pt"><span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:274.64pt;position:var(--position);text-decoration:none;white-space:pre">Provisions</span></div><div style="line-height:8pt;position:var(--position);top:11.95pt;width:315pt"><span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:267.71pt;position:var(--position);text-decoration:none;white-space:pre">for financial</span></div><div style="line-height:8pt;position:var(--position);top:21.55pt;width:315pt"><span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:260.1pt;position:var(--position);text-decoration:none;white-space:pre">commitments</span></div><div style="line-height:8pt;position:var(--position);top:31.15pt;width:315pt"><span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:252.83pt;position:var(--position);text-decoration:none;white-space:pre">and guarantees</span><span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:5.2pt;font-style:normal;font-weight:normal;left:310.49pt;position:var(--position);text-decoration:none;top:-2.24pt;vertical-align:super;white-space:pre">1</span></div><div style="line-height:8pt;position:var(--position);top:40.75pt;width:315pt"><span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:300.72pt;position:var(--position);text-decoration:none;white-space:pre">£m</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:320.25pt;position:var(--position);width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:11.95pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:6.82pt;position:var(--position);text-decoration:none;white-space:pre">Regulatory</span></div><div style="line-height:8pt;position:var(--position);top:21.55pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:14pt;position:var(--position);text-decoration:none;white-space:pre">and legal</span></div><div style="line-height:8pt;position:var(--position);top:31.15pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:9.83pt;position:var(--position);text-decoration:none;white-space:pre">provisions</span></div><div style="line-height:8pt;position:var(--position);top:40.75pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:35.97pt;position:var(--position);text-decoration:none;white-space:pre">£m</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:375.75pt;position:var(--position);width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:31.15pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:25.29pt;position:var(--position);text-decoration:none;white-space:pre">Other</span></div><div style="line-height:8pt;position:var(--position);top:40.75pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:35.97pt;position:var(--position);text-decoration:none;white-space:pre">£m</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:31.15pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:27.81pt;position:var(--position);text-decoration:none;white-space:pre">Total</span></div><div style="line-height:8pt;position:var(--position);top:40.75pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:35.97pt;position:var(--position);text-decoration:none;white-space:pre">£m</span></div></div></div></td></tr><tr style="height:6.75pt"><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:57pt;width:264.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:264.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">At 1 January 2026</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:264.75pt;position:var(--position);top:57pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:31.33pt"></span></span><span style="left:33.96pt;position:var(--position)">195<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:320.25pt;position:var(--position);top:57pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:24.45pt"></span></span><span style="left:27.08pt;position:var(--position)">2,193<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:375.75pt;position:var(--position);top:57pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:28.97pt"></span></span><span style="left:31.599999999999998pt;position:var(--position)">384<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:57pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:24.02pt"></span></span><span style="left:26.65pt;position:var(--position)">2,772<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:69pt;width:264.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:264.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Exchange and other adjustments</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:264.75pt;position:var(--position);top:69pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:39.84pt"></span></span><span style="left:42.470000000000006pt;position:var(--position)">–<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:320.25pt;position:var(--position);top:69pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:39.84pt"></span></span><span style="left:42.470000000000006pt;position:var(--position)">–<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:375.75pt;position:var(--position);top:69pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:35.83pt"></span></span><span style="left:38.46pt;position:var(--position)">(6)</span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:69pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:35.83pt"></span></span><span style="left:38.46pt;position:var(--position)">(6)</span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:81pt;width:264.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:264.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Provisions applied</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:264.75pt;position:var(--position);top:81pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:39.84pt"></span></span><span style="left:42.470000000000006pt;position:var(--position)">–<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:320.25pt;position:var(--position);top:81pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:30.03pt"></span></span><span style="left:32.660000000000004pt;position:var(--position)">(119)</span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:375.75pt;position:var(--position);top:81pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:27.81pt"></span></span><span style="left:30.439999999999998pt;position:var(--position)">(146)</span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:81pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:26.66pt"></span></span><span style="left:29.29pt;position:var(--position)">(265)</span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:93pt;width:264.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:264.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Charge for the period</span></div></div></div></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:264.75pt;position:var(--position);top:93pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:39.6pt"></span></span><span style="left:42.230000000000004pt;position:var(--position)">7<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:320.25pt;position:var(--position);top:93pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:36.23pt"></span></span><span style="left:38.86pt;position:var(--position)">31<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:375.75pt;position:var(--position);top:93pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:30.78pt"></span></span><span style="left:33.410000000000004pt;position:var(--position)">148<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:93pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:30.92pt"></span></span><span style="left:33.550000000000004pt;position:var(--position)">186<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:105pt;width:264.75pt"><div><div style="font-size:12pt;line-height:8pt;position:var(--position);top:2.5pt;width:264.75pt"><span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">At 30 June </span><span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:43.99pt;position:var(--position);text-decoration:none;white-space:pre">2026</span></div></div></div></td><td style="border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:264.75pt;position:var(--position);top:105pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:29.45pt"></span></span><span style="left:32.08pt;position:var(--position)">202<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:320.25pt;position:var(--position);top:105pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:24.2pt"></span></span><span style="left:26.83pt;position:var(--position)">2,105<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:375.75pt;position:var(--position);top:105pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:28.78pt"></span></span><span style="left:31.41pt;position:var(--position)">380<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:105pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:22.78pt"></span></span><span style="left:25.41pt;position:var(--position)">2,687<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td></tr></tbody></table></div></div></div><div style="font-size:12pt;line-height:8pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:613.69pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:5.2pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;top:-2.24pt;vertical-align:super;white-space:pre;width:1.83pt">1</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:58.519999999999996pt;position:var(--position);width:0pt"><span style="display:inline-block;height:6.4pt;width:6.67pt"></span></span></span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:65.19pt;position:var(--position);text-decoration:none;white-space:pre;width:173.81pt">In respect of loans and advances to customers.</span></div><div><div style="font-size:12pt;line-height:9pt;position:var(--position);top:56.69pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:9pt;font-style:normal;font-weight:bold;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre">NOTES TO THE CONDENSED CONSOLIDATED HALF-YEAR FINANCIAL STATEMENTS (UNAUDITED)</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:485.73pt;position:var(--position);text-decoration:none;white-space:pre"> (continued)</span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);top:75.49pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:9pt;font-style:normal;font-weight:bold;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre">Note 12: Provisions</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:137.35pt;position:var(--position);text-decoration:none;white-space:pre"> (continued)</span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);top:94.29pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:9pt;font-style:normal;font-weight:bold;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre">Regulatory and legal provisions </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:108.09pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:136.96pt">In the course of its business, the </span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:193.65pt;position:var(--position);text-decoration:none;white-space:pre;width:344.56pt">Group is engaged on a regular basis in discussions with UK and overseas regulators</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.21pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:120.69pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:481.59pt">and other governmental authorities on a range of matters, including legal and regulatory reviews and, from time to</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.28pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:133.29pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:481.52pt">time, enforcement investigations (including in relation to compliance with applicable laws and regulations, such as</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.21pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:145.89pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:481.55pt">those relating to prudential regulation, consumer protection, investment advice, employment, business conduct,</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.24pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:158.49pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:481.54pt">systems and controls, environmental, sustainability, competition/anti-trust, tax, anti-bribery, anti-money</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.23pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:171.09pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:481.57pt">laundering and sanctions). Any matters discussed or identified during such discussions and inquiries may result in,</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.26pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:183.69pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:481.49pt">among other things, further inquiry or investigation, other action being taken by governmental and/or regulatory</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.1800000000001pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:196.29pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:481.55pt">authorities, increased costs being incurred by the Group, remediation of systems and controls, public or private</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.24pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:208.89pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:307.55pt">censure, restriction of the Group’s business activities and/or fines. The </span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:364.24pt;position:var(--position);text-decoration:none;white-space:pre;width:174.06pt">Group also receives complaints and pre-</span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:221.49pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:481.54pt">action correspondence in connection with its past conduct and claims brought or threatened by or on behalf of</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.23pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:234.09pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:481.52pt">current and former employees, customers (including their appointed representatives), investors and other third</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.21pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:246.69pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:481.5pt">parties and is subject to legal proceedings and other legal or regulatory actions from time to time. Any such events</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.19pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:259.29pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:481.55pt">or circumstances could have a material adverse effect on the Group’s financial position, operations or cash flows.</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.24pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:271.89pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:481.54pt">Provisions are held where the Group can reliably estimate a probable outflow of economic resources. The ultimate</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.23pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:284.49pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:481.56pt">liability of the Group may be significantly more, or less, than the amount of any provision recognised. If the Group</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.25pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:297.09pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:318.27pt">is unable to determine a reliable estimate, a contingent liability is disclosed. </span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:374.96pt;position:var(--position);text-decoration:none;white-space:pre;width:163.26pt">The recognition of a provision does not</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.22pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:309.69pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:325.44pt">amount to an admission of liability or wrongdoing on the part of the Group. </span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:382.13pt;position:var(--position);text-decoration:none;white-space:pre;width:134.44pt">During the half-year to 30 June </span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:516.5699999999999pt;position:var(--position);text-decoration:none;white-space:pre;width:21.55pt">2026</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.12pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:322.29pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:16.82pt">the </span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:73.50999999999999pt;position:var(--position);text-decoration:none;white-space:pre;width:105.21pt">Group charged a further </span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:178.72pt;position:var(--position);text-decoration:none;white-space:pre;width:13.38pt">£31</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:192.1pt;position:var(--position);text-decoration:none;white-space:pre;width:305.3pt"> million in respect of legal actions and other regulatory matters and the </span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:497.4pt;position:var(--position);text-decoration:none;white-space:pre;width:40.9pt">unutilised</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.3pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:334.89pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:85.8pt">balance at 30 June </span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:142.49pt;position:var(--position);text-decoration:none;white-space:pre;width:21.55pt">2026</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:164.04pt;position:var(--position);text-decoration:none;white-space:pre;width:28.7pt"> was £</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:192.74pt;position:var(--position);text-decoration:none;white-space:pre;width:21.82pt">2,105</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:214.56pt;position:var(--position);text-decoration:none;white-space:pre;width:97.88pt"> million (31 December </span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:312.44pt;position:var(--position);text-decoration:none;white-space:pre;width:21.19pt">2025</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:333.63pt;position:var(--position);text-decoration:none;white-space:pre;width:6.08pt">: </span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:339.71pt;position:var(--position);text-decoration:none;white-space:pre;width:58.27pt">£2,193 million</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:397.98pt;position:var(--position);text-decoration:none;white-space:pre;width:140.19pt">). The most significant items are</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.1700000000001pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:347.49pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:65.39pt">outlined below.</span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);top:368.09pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:9pt;font-style:italic;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre">Motor commission review<span id="ia7035f346ce54e108143e9fc2d266335_8920"></span></span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:381.89pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:481.57pt">There have been no further charges relating to motor finance commission arrangements for the period ending 30</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.26pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:394.49pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:265.92pt">June 2026. As at 30 June 2026, the total provision recognised is </span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:322.61pt;position:var(--position);text-decoration:none;white-space:pre;width:57.67pt">£1,950 million</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:380.28pt;position:var(--position);text-decoration:none;white-space:pre;width:2.39pt">.</span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:415.09pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:481.56pt">The Supreme Court judgment in Johnson v FirstRand Bank Limited in August 2025 found that there was an unfair</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.25pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:427.69pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:481.51pt">relationship under s.140A of the Consumer Credit Act (CCA). Following that judgment, the FCA published</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.2pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:440.29pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:481.56pt">Consultation Paper CP25/27 in October 2025 setting out detailed proposals for a scheme to redress unfair</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.25pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:452.89pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:315.75pt">customer relationships in the context of historic motor finance agreements.</span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:473.49pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:481.54pt">The FCA subsequently published its policy statement and final rules for its motor finance redress schemes on 30</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.23pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:486.09pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:481.49pt">March 2026. On 2 July 2026, the FCA stated that the schemes have been partially suspended by the Upper</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.1800000000001pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:498.69pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:481.61pt">Tribunal, pending the outcome of challenges from a number of parties. As a result, firms are not required to</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.3pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:511.29pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:481.49pt">calculate or pay compensation or issue compensation-related communications under the original timetable for the</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.1800000000001pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:523.89pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:481.57pt">schemes, although they must continue preparatory activities and comply with the aspects of the schemes which</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.26pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:536.49pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:481.55pt">have not been suspended, including communicating with customers who are not entitled to redress under the</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.24pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:549.09pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:481.45pt">schemes. The FCA further stated that if the schemes, or parts thereof, were quashed, the FCA would need to</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.14pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:561.69pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:481.55pt">carefully consider all options. One of these options includes a ‘no scheme’ scenario, and the FCA also announced</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.24pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:574.29pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:312.29pt">that firms should plan for this scenario in the event of successful challenge.</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:368.98pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:594.89pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:481.56pt">The FCA also announced on 2 July 2026 that payments to customers will begin in 2027 if the schemes are upheld,</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.25pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:607.49pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:481.54pt">based on Upper Tribunal hearing dates in December 2026 or the second half of February 2027. The Group will</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.23pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:620.09pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:481.59pt">continue to consider carefully potential implications of the challenges to the schemes and any impact on the</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.28pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:632.69pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:481.58pt">existing provision arising from any challenges succeeding (whether in full or in part) and the regulatory response to</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.27pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:645.29pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:280.22pt">the challenge outcome (including a possible “no scheme” scenario).</span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:665.89pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:481.59pt">The pause on motor finance complaints handling was lifted on 31 May 2026. This does not impact motor finance</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.28pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:678.49pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:481.5pt">complaints within the scope of the FCA’s redress schemes as the schemes’ rules disapply complaint handling time</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.19pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:691.09pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:481.61pt">limits for such complaints. The FCA also lifted the pause on handling motor finance complaints in respect of leasing</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.3pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:703.69pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:481.59pt">products on 5 December 2025, such products not being within the scope of the FCA redress schemes. The Group</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.28pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:716.29pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:481.57pt">continues to receive new complaints as well as claims in the County Courts in respect of motor finance</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.26pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:728.89pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:481.56pt">commissions. A large number of those claims have been stayed, as has a claim in the Competition Appeal Tribunal.</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.25pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:741.49pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:481.59pt">On 30 June 2026, the Court of Appeal determined that, in a case before it involving Black Horse Limited, a member</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.28pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:754.09pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:481.49pt">of the Group, multiple unfair relationship claims could be dealt with via one bulk Claim Form. Leave to appeal has</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.1800000000001pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:766.69pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:481.53pt">been sought by Black Horse Limited. It remains uncertain how many customers will pursue court action given that</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.22pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:779.29pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:290.17pt">the schemes are intended to provide a simpler alternative for redress.</span></div></div><div style="font-size:12pt;line-height:9pt;position:var(--position);top:56.69pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:9pt;font-style:normal;font-weight:bold;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre">NOTES TO THE CONDENSED CONSOLIDATED HALF-YEAR FINANCIAL STATEMENTS (UNAUDITED)</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:485.73pt;position:var(--position);text-decoration:none;white-space:pre"> (continued)</span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);top:75.49pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:9pt;font-style:normal;font-weight:bold;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre">Note 12: Provisions</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:137.35pt;position:var(--position);text-decoration:none;white-space:pre"> (continued)</span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:94.29pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:481.47pt">The ultimate financial impact of this issue will be determined by a number of factors still to be resolved, in</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.1600000000001pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:106.89pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:481.61pt">particular, challenge and litigation outcomes, customer response rates, operational costs, any further interventions</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.3pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:119.49pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:481.58pt">and any broader implications of legal and/or regulatory developments. Given the significant level of uncertainty in</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.27pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:132.09pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:481.57pt">terms of these factors, the ultimate financial impact on the Group could differ materially from the amount</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.26pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:144.69pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:89.32pt">provided. The total </span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:146.01pt;position:var(--position);text-decoration:none;white-space:pre;width:59.84pt">£1,950 million</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:205.85pt;position:var(--position);text-decoration:none;white-space:pre;width:332.42pt"> provision continues to represent the Group’s current best estimate of the</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.27pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:157.29pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:184.02pt">potential impact of the motor finance issue.</span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);top:177.89pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:9pt;font-style:italic;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre">HBOS Reading – review</span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:191.69pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:481.54pt">The Group continues to apply the recommendations from Sir Ross Cranston’s review, issued in December 2019,</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.23pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:204.29pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:481.49pt">including a reassessment of direct and consequential losses by an independent panel (the Foskett Panel), an</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.1800000000001pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:216.89pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:481.51pt">extension of debt relief and a wider definition of de facto directors. The Foskett Panel’s full scope and</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.2pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:229.49pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:481.58pt">methodology was published on 7 July 2020. The Foskett Panel’s stated objective is to consider cases via a non-</span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:242.09pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:481.48pt">legalistic and fair process and to make its decisions in a generous, fair and common sense manner, assessing claims</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.1700000000001pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:254.69pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:315.18pt">against an expanded definition of the fraud and on a lower evidential basis.</span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:275.29pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:481.5pt">In June 2022, the Foskett Panel announced an alternative option, in the form of a fixed sum award which could be</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.19pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:287.89pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:481.46pt">accepted as an alternative to participation in the full re-review process, to support earlier resolution of claims for</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.15pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:300.49pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:258.87pt">those deemed by the Foskett Panel to be victims of the fraud.</span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:321.09pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:481.55pt">All of the population have now had an initial decision, with a small number of the populations’ challenges to the</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.24pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:333.69pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:481.61pt">Panel’s initial decision ongoing through the published process, with operational costs, redress and tax costs</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.3pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:346.29pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:297.48pt">associated with the re-reviews recognised within the amount provided.</span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:366.89pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:481.53pt">Notwithstanding the settled claims and the increase in outcomes which builds confidence in the full estimated</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.22pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:379.49pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:481.56pt">cost, uncertainties remain and the final outcome could be different. The Group remains committed to</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.25pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:392.09pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:481.47pt">implementing the recommendations in full. There is no confirmed timeline for the completion of the re-review</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.1600000000001pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:404.69pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:230.24pt">process nor the separate review by Dame Linda Dobbs.</span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);top:425.29pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:9pt;font-style:italic;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre">Payment protection insurance (PPI)</span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:439.09pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:481.55pt">The Group continues to receive and challenge PPI litigation cases, with mainly operational costs and legal fees</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.24pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:451.69pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:481.58pt">associated with litigation activity (including via bulk claims forms) recognised within regulatory and legal</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.27pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:464.29pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:44.4pt">provisions.</span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);top:484.89pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:9pt;font-style:normal;font-weight:bold;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre">Other</span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:498.69pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:136.97pt">The Group carries provisions of £</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:193.66pt;position:var(--position);text-decoration:none;white-space:pre;width:8.71pt">91</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:202.37pt;position:var(--position);text-decoration:none;white-space:pre;width:92.56pt"> million (31 December </span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:294.93pt;position:var(--position);text-decoration:none;white-space:pre;width:21.19pt">2025</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:316.12pt;position:var(--position);text-decoration:none;white-space:pre;width:4.75pt">: </span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:320.87pt;position:var(--position);text-decoration:none;white-space:pre;width:46.58pt">£98 million</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:367.45pt;position:var(--position);text-decoration:none;white-space:pre;width:170.72pt">) in respect of dilapidations, rent reviews</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.1700000000001pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:511.29pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:150.84pt">and other property-related matters.</span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:531.89pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:259.96pt">Provisions are also made for staff and other costs related to </span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:316.65pt;position:var(--position);text-decoration:none;white-space:pre;width:221.54pt">Group restructuring initiatives at the point at which</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.19pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:544.49pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:16.71pt">the </span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:73.4pt;position:var(--position);text-decoration:none;white-space:pre;width:249.26pt">Group becomes committed to the expenditure; at 30 June </span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:322.66pt;position:var(--position);text-decoration:none;white-space:pre;width:21.55pt">2026</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:344.21pt;position:var(--position);text-decoration:none;white-space:pre;width:63.58pt"> provisions of £</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:407.79pt;position:var(--position);text-decoration:none;white-space:pre;width:13.14pt">173</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:420.93pt;position:var(--position);text-decoration:none;white-space:pre;width:93.76pt"> million (31 December </span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:514.69pt;position:var(--position);text-decoration:none;white-space:pre;width:21.19pt">2025</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:535.88pt;position:var(--position);text-decoration:none;white-space:pre;width:2.39pt">:</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.27pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:557.09pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:49.34pt">£163 million</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:106.03pt;position:var(--position);text-decoration:none;white-space:pre;width:49.24pt">) were held.</span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:577.69pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:19.55pt">The </span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:76.24pt;position:var(--position);text-decoration:none;white-space:pre;width:124.72pt">Group carries provisions of £</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:200.96pt;position:var(--position);text-decoration:none;white-space:pre;width:11pt">43</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:211.96pt;position:var(--position);text-decoration:none;white-space:pre;width:98.4pt"> million (31 December </span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:310.36pt;position:var(--position);text-decoration:none;white-space:pre;width:21.19pt">2025</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:331.55pt;position:var(--position);text-decoration:none;white-space:pre;width:6.21pt">: </span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:337.76pt;position:var(--position);text-decoration:none;white-space:pre;width:45.76pt">£41 million</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:383.52pt;position:var(--position);text-decoration:none;white-space:pre;width:154.78pt">) for indemnities and other matters</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.3pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:590.29pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:481.6pt">relating to legacy business disposals in prior years. Whilst there remains significant uncertainty as to the timing of</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.29pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:602.89pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:481.56pt">the utilisation of the provisions, the Group expects the majority of the remaining provisions to have been utilised</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.25pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:615.49pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:92.73pt">by 31 December 2026.</span></div> <div style="font-size:0pt;left:56.69pt;position:var(--position);width:481.5pt"><div><table style="border-collapse:collapse;display:inline-table;width:100%"><tbody><tr style="height:0"><td style="padding:0;width:264.75pt"></td><td style="padding:0;width:50.25pt"></td><td style="padding:0;width:5.25pt"></td><td style="padding:0;width:50.25pt"></td><td style="padding:0;width:5.25pt"></td><td style="padding:0;width:50.25pt"></td><td style="padding:0;width:5.25pt"></td><td style="padding:0;width:50.25pt"></td></tr><tr style="height:50.25pt"><td colspan="2" style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);width:315pt"><div><div style="line-height:8pt;position:var(--position);top:2.35pt;width:315pt"><span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:274.64pt;position:var(--position);text-decoration:none;white-space:pre">Provisions</span></div><div style="line-height:8pt;position:var(--position);top:11.95pt;width:315pt"><span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:267.71pt;position:var(--position);text-decoration:none;white-space:pre">for financial</span></div><div style="line-height:8pt;position:var(--position);top:21.55pt;width:315pt"><span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:260.1pt;position:var(--position);text-decoration:none;white-space:pre">commitments</span></div><div style="line-height:8pt;position:var(--position);top:31.15pt;width:315pt"><span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:252.83pt;position:var(--position);text-decoration:none;white-space:pre">and guarantees</span><span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:5.2pt;font-style:normal;font-weight:normal;left:310.49pt;position:var(--position);text-decoration:none;top:-2.24pt;vertical-align:super;white-space:pre">1</span></div><div style="line-height:8pt;position:var(--position);top:40.75pt;width:315pt"><span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:300.72pt;position:var(--position);text-decoration:none;white-space:pre">£m</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:320.25pt;position:var(--position);width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:11.95pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:6.82pt;position:var(--position);text-decoration:none;white-space:pre">Regulatory</span></div><div style="line-height:8pt;position:var(--position);top:21.55pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:14pt;position:var(--position);text-decoration:none;white-space:pre">and legal</span></div><div style="line-height:8pt;position:var(--position);top:31.15pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:9.83pt;position:var(--position);text-decoration:none;white-space:pre">provisions</span></div><div style="line-height:8pt;position:var(--position);top:40.75pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:35.97pt;position:var(--position);text-decoration:none;white-space:pre">£m</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:375.75pt;position:var(--position);width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:31.15pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:25.29pt;position:var(--position);text-decoration:none;white-space:pre">Other</span></div><div style="line-height:8pt;position:var(--position);top:40.75pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:35.97pt;position:var(--position);text-decoration:none;white-space:pre">£m</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:31.15pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:27.81pt;position:var(--position);text-decoration:none;white-space:pre">Total</span></div><div style="line-height:8pt;position:var(--position);top:40.75pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:35.97pt;position:var(--position);text-decoration:none;white-space:pre">£m</span></div></div></div></td></tr><tr style="height:6.75pt"><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:57pt;width:264.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:264.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">At 1 January 2026</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:264.75pt;position:var(--position);top:57pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:31.33pt"></span></span><span style="left:33.96pt;position:var(--position)">195<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:320.25pt;position:var(--position);top:57pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:24.45pt"></span></span><span style="left:27.08pt;position:var(--position)">2,193<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:375.75pt;position:var(--position);top:57pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:28.97pt"></span></span><span style="left:31.599999999999998pt;position:var(--position)">384<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:57pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:24.02pt"></span></span><span style="left:26.65pt;position:var(--position)">2,772<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:69pt;width:264.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:264.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Exchange and other adjustments</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:264.75pt;position:var(--position);top:69pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:39.84pt"></span></span><span style="left:42.470000000000006pt;position:var(--position)">–<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:320.25pt;position:var(--position);top:69pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:39.84pt"></span></span><span style="left:42.470000000000006pt;position:var(--position)">–<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:375.75pt;position:var(--position);top:69pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:35.83pt"></span></span><span style="left:38.46pt;position:var(--position)">(6)</span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:69pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:35.83pt"></span></span><span style="left:38.46pt;position:var(--position)">(6)</span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:81pt;width:264.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:264.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Provisions applied</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:264.75pt;position:var(--position);top:81pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:39.84pt"></span></span><span style="left:42.470000000000006pt;position:var(--position)">–<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:320.25pt;position:var(--position);top:81pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:30.03pt"></span></span><span style="left:32.660000000000004pt;position:var(--position)">(119)</span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:375.75pt;position:var(--position);top:81pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:27.81pt"></span></span><span style="left:30.439999999999998pt;position:var(--position)">(146)</span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:81pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:26.66pt"></span></span><span style="left:29.29pt;position:var(--position)">(265)</span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:93pt;width:264.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:264.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Charge for the period</span></div></div></div></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:264.75pt;position:var(--position);top:93pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:39.6pt"></span></span><span style="left:42.230000000000004pt;position:var(--position)">7<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:320.25pt;position:var(--position);top:93pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:36.23pt"></span></span><span style="left:38.86pt;position:var(--position)">31<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:375.75pt;position:var(--position);top:93pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:30.78pt"></span></span><span style="left:33.410000000000004pt;position:var(--position)">148<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:93pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:30.92pt"></span></span><span style="left:33.550000000000004pt;position:var(--position)">186<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:105pt;width:264.75pt"><div><div style="font-size:12pt;line-height:8pt;position:var(--position);top:2.5pt;width:264.75pt"><span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">At 30 June </span><span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:43.99pt;position:var(--position);text-decoration:none;white-space:pre">2026</span></div></div></div></td><td style="border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:264.75pt;position:var(--position);top:105pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:29.45pt"></span></span><span style="left:32.08pt;position:var(--position)">202<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:320.25pt;position:var(--position);top:105pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:24.2pt"></span></span><span style="left:26.83pt;position:var(--position)">2,105<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:375.75pt;position:var(--position);top:105pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:28.78pt"></span></span><span style="left:31.41pt;position:var(--position)">380<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:105pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.5pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:22.78pt"></span></span><span style="left:25.41pt;position:var(--position)">2,687<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td></tr></tbody></table></div></div><div style="font-size:12pt;line-height:8pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:613.69pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:5.2pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;top:-2.24pt;vertical-align:super;white-space:pre;width:1.83pt">1</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:58.519999999999996pt;position:var(--position);width:0pt"><span style="display:inline-block;height:6.4pt;width:6.67pt"></span></span></span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:65.19pt;position:var(--position);text-decoration:none;white-space:pre;width:173.81pt">In respect of loans and advances to customers.</span></div> 195000000 2193000000 384000000 2772000000 0 0 -6000000 -6000000 0 119000000 146000000 265000000 7000000 31000000 148000000 186000000 202000000 2105000000 380000000 2687000000 31000000 2105000000 2193000000 1950000000 1950000000 91000000 98000000 173000000 163000000 43000000 41000000 <span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:9pt;font-style:normal;font-weight:bold;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre">Note 13: Subordinated liabilities</span><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:94.29pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:310.31pt">The movement in subordinated liabilities during the period was as follows:</span></div><div style="position:var(--position);text-align:justify;text-align-last:var(--justify);top:114.89pt;width:594.99pt"><div style="font-size:0pt;left:56.69pt;position:var(--position);width:481.5pt"><div><table style="border-collapse:collapse;display:inline-table;width:100%"><tbody><tr style="height:0"><td style="padding:0;width:406.5pt"></td><td style="padding:0;width:75pt"></td></tr><tr style="height:26.25pt"><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:406.5pt;position:var(--position);width:75pt"><div><div style="line-height:8pt;position:var(--position);top:7.15pt;width:75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:52.79pt;position:var(--position);text-decoration:none;white-space:pre">Total</span></div><div style="line-height:8pt;position:var(--position);top:16.75pt;width:75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:60.78pt;position:var(--position);text-decoration:none;white-space:pre">£m</span></div></div></div></td></tr><tr style="height:14.25pt"><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td></tr><tr style="height:14.25pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:40.5pt;width:406.5pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:406.5pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">At 1 January 2025</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:406.5pt;position:var(--position);top:40.5pt;width:75pt"><div><div style="line-height:8pt;position:var(--position);top:4.75pt;width:75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:52.05pt"></span></span><span style="left:54.68pt;position:var(--position)">7,211<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td></tr><tr style="height:14.25pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:54.75pt;width:406.5pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:406.5pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Issued during the period</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:406.5pt;position:var(--position);top:54.75pt;width:75pt"><div><div style="line-height:8pt;position:var(--position);top:4.75pt;width:75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:51.62pt"></span></span><span style="left:54.25pt;position:var(--position)">1,761<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td></tr><tr style="height:14.25pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:69pt;width:406.5pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:406.5pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Repurchases and redemptions during the period</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:406.5pt;position:var(--position);top:69pt;width:75pt"><div><div style="line-height:8pt;position:var(--position);top:4.75pt;width:75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:50.37pt"></span></span><span style="left:53pt;position:var(--position)">(904)<span style="display:inline-block;height:6.4pt;width:0.07pt"></span></span></span></div></div></div></td></tr><tr style="height:14.25pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:83.25pt;width:406.5pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:406.5pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Foreign exchange movements</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:406.5pt;position:var(--position);top:83.25pt;width:75pt"><div><div style="line-height:8pt;position:var(--position);top:4.75pt;width:75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:51.11pt"></span></span><span style="left:53.74pt;position:var(--position)">(396)<span style="display:inline-block;height:6.4pt;width:0.07pt"></span></span></span></div></div></div></td></tr><tr style="height:14.25pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:97.5pt;width:406.5pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:406.5pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Other movements (cash and non-cash)</span></div></div></div></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:406.5pt;position:var(--position);top:97.5pt;width:75pt"><div><div style="line-height:8pt;position:var(--position);top:4.75pt;width:75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:56.34pt"></span></span><span style="left:58.970000000000006pt;position:var(--position)">170<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td></tr><tr style="height:14.25pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:111.75pt;width:406.5pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:406.5pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">At 30 June 2025</span></div></div></div></td><td style="border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:406.5pt;position:var(--position);top:111.75pt;width:75pt"><div><div style="line-height:8pt;position:var(--position);top:4.75pt;width:75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:47.59pt"></span></span><span style="left:50.220000000000006pt;position:var(--position)">7,842<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td></tr><tr style="height:14.25pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:126pt;width:406.5pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:406.5pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Issued during the period</span></div></div></div></td><td style="border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:406.5pt;position:var(--position);top:126pt;width:75pt"><div><div style="line-height:8pt;position:var(--position);top:4.75pt;width:75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:64.59pt"></span></span><span style="left:67.22pt;position:var(--position)">–<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td></tr><tr style="height:14.25pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:140.25pt;width:406.5pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:406.5pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Repurchases and redemptions during the period</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:406.5pt;position:var(--position);top:140.25pt;width:75pt"><div><div style="line-height:8pt;position:var(--position);top:4.75pt;width:75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:60.71pt"></span></span><span style="left:63.34pt;position:var(--position)">(9)<span style="display:inline-block;height:6.4pt;width:0.07pt"></span></span></span></div></div></div></td></tr><tr style="height:14.25pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:154.5pt;width:406.5pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:406.5pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Foreign exchange movements</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:406.5pt;position:var(--position);top:154.5pt;width:75pt"><div><div style="line-height:8pt;position:var(--position);top:4.75pt;width:75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:56.68pt"></span></span><span style="left:59.31pt;position:var(--position)">125<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td></tr><tr style="height:14.25pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:168.75pt;width:406.5pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:406.5pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Other movements (cash and non-cash)</span></div></div></div></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:406.5pt;position:var(--position);top:168.75pt;width:75pt"><div><div style="line-height:8pt;position:var(--position);top:4.75pt;width:75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:59.18pt"></span></span><span style="left:61.81pt;position:var(--position)">62<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td></tr><tr style="height:14.25pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:183pt;width:406.5pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:406.5pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">At 31 December 2025</span></div></div></div></td><td style="border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:406.5pt;position:var(--position);top:183pt;width:75pt"><div><div style="line-height:8pt;position:var(--position);top:4.75pt;width:75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:46.36pt"></span></span><span style="left:48.99pt;position:var(--position)">8,020<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td></tr><tr style="height:14.25pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:197.25pt;width:406.5pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:406.5pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Issued during the period</span></div></div></div></td><td style="border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:406.5pt;position:var(--position);top:197.25pt;width:75pt"><div><div style="line-height:8pt;position:var(--position);top:4.75pt;width:75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:64.59pt"></span></span><span style="left:67.22pt;position:var(--position)">–<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td></tr><tr style="height:14.25pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:211.5pt;width:406.5pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:406.5pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Repurchases and redemptions during the period</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:406.5pt;position:var(--position);top:211.5pt;width:75pt"><div><div style="line-height:8pt;position:var(--position);top:4.75pt;width:75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:50.42pt"></span></span><span style="left:53.050000000000004pt;position:var(--position)">(486)</span></span></div></div></div></td></tr><tr style="height:14.25pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:225.75pt;width:406.5pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:406.5pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Foreign exchange movements</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:406.5pt;position:var(--position);top:225.75pt;width:75pt"><div><div style="line-height:8pt;position:var(--position);top:4.75pt;width:75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:58.9pt"></span></span><span style="left:61.53pt;position:var(--position)">63<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td></tr><tr style="height:14.25pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:240pt;width:406.5pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:406.5pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Other movements (cash and non-cash)</span></div></div></div></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:406.5pt;position:var(--position);top:240pt;width:75pt"><div><div style="line-height:8pt;position:var(--position);top:4.75pt;width:75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:58.03pt"></span></span><span style="left:60.660000000000004pt;position:var(--position)">(15)</span></span></div></div></div></td></tr><tr style="height:14.25pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:254.25pt;width:406.5pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:406.5pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">At 30 June 2026</span></div></div></div></td><td style="border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:406.5pt;position:var(--position);top:254.25pt;width:75pt"><div><div style="line-height:8pt;position:var(--position);top:4.75pt;width:75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:47.88pt"></span></span><span style="left:50.510000000000005pt;position:var(--position)">7,582<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td></tr></tbody></table></div></div></div> <span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:310.31pt">The movement in subordinated liabilities during the period was as follows:</span><div style="position:var(--position);text-align:justify;text-align-last:var(--justify);top:114.89pt;width:594.99pt"><div style="font-size:0pt;left:56.69pt;position:var(--position);width:481.5pt"><div><table style="border-collapse:collapse;display:inline-table;width:100%"><tbody><tr style="height:0"><td style="padding:0;width:406.5pt"></td><td style="padding:0;width:75pt"></td></tr><tr style="height:26.25pt"><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:406.5pt;position:var(--position);width:75pt"><div><div style="line-height:8pt;position:var(--position);top:7.15pt;width:75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:52.79pt;position:var(--position);text-decoration:none;white-space:pre">Total</span></div><div style="line-height:8pt;position:var(--position);top:16.75pt;width:75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:60.78pt;position:var(--position);text-decoration:none;white-space:pre">£m</span></div></div></div></td></tr><tr style="height:14.25pt"><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td></tr><tr style="height:14.25pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:40.5pt;width:406.5pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:406.5pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">At 1 January 2025</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:406.5pt;position:var(--position);top:40.5pt;width:75pt"><div><div style="line-height:8pt;position:var(--position);top:4.75pt;width:75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:52.05pt"></span></span><span style="left:54.68pt;position:var(--position)">7,211<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td></tr><tr style="height:14.25pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:54.75pt;width:406.5pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:406.5pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Issued during the period</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:406.5pt;position:var(--position);top:54.75pt;width:75pt"><div><div style="line-height:8pt;position:var(--position);top:4.75pt;width:75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:51.62pt"></span></span><span style="left:54.25pt;position:var(--position)">1,761<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td></tr><tr style="height:14.25pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:69pt;width:406.5pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:406.5pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Repurchases and redemptions during the period</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:406.5pt;position:var(--position);top:69pt;width:75pt"><div><div style="line-height:8pt;position:var(--position);top:4.75pt;width:75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:50.37pt"></span></span><span style="left:53pt;position:var(--position)">(904)<span style="display:inline-block;height:6.4pt;width:0.07pt"></span></span></span></div></div></div></td></tr><tr style="height:14.25pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:83.25pt;width:406.5pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:406.5pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Foreign exchange movements</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:406.5pt;position:var(--position);top:83.25pt;width:75pt"><div><div style="line-height:8pt;position:var(--position);top:4.75pt;width:75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:51.11pt"></span></span><span style="left:53.74pt;position:var(--position)">(396)<span style="display:inline-block;height:6.4pt;width:0.07pt"></span></span></span></div></div></div></td></tr><tr style="height:14.25pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:97.5pt;width:406.5pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:406.5pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Other movements (cash and non-cash)</span></div></div></div></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:406.5pt;position:var(--position);top:97.5pt;width:75pt"><div><div style="line-height:8pt;position:var(--position);top:4.75pt;width:75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:56.34pt"></span></span><span style="left:58.970000000000006pt;position:var(--position)">170<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td></tr><tr style="height:14.25pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:111.75pt;width:406.5pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:406.5pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">At 30 June 2025</span></div></div></div></td><td style="border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:406.5pt;position:var(--position);top:111.75pt;width:75pt"><div><div style="line-height:8pt;position:var(--position);top:4.75pt;width:75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:47.59pt"></span></span><span style="left:50.220000000000006pt;position:var(--position)">7,842<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td></tr><tr style="height:14.25pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:126pt;width:406.5pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:406.5pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Issued during the period</span></div></div></div></td><td style="border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:406.5pt;position:var(--position);top:126pt;width:75pt"><div><div style="line-height:8pt;position:var(--position);top:4.75pt;width:75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:64.59pt"></span></span><span style="left:67.22pt;position:var(--position)">–<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td></tr><tr style="height:14.25pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:140.25pt;width:406.5pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:406.5pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Repurchases and redemptions during the period</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:406.5pt;position:var(--position);top:140.25pt;width:75pt"><div><div style="line-height:8pt;position:var(--position);top:4.75pt;width:75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:60.71pt"></span></span><span style="left:63.34pt;position:var(--position)">(9)<span style="display:inline-block;height:6.4pt;width:0.07pt"></span></span></span></div></div></div></td></tr><tr style="height:14.25pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:154.5pt;width:406.5pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:406.5pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Foreign exchange movements</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:406.5pt;position:var(--position);top:154.5pt;width:75pt"><div><div style="line-height:8pt;position:var(--position);top:4.75pt;width:75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:56.68pt"></span></span><span style="left:59.31pt;position:var(--position)">125<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td></tr><tr style="height:14.25pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:168.75pt;width:406.5pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:406.5pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Other movements (cash and non-cash)</span></div></div></div></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:406.5pt;position:var(--position);top:168.75pt;width:75pt"><div><div style="line-height:8pt;position:var(--position);top:4.75pt;width:75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:59.18pt"></span></span><span style="left:61.81pt;position:var(--position)">62<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td></tr><tr style="height:14.25pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:183pt;width:406.5pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:406.5pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">At 31 December 2025</span></div></div></div></td><td style="border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:406.5pt;position:var(--position);top:183pt;width:75pt"><div><div style="line-height:8pt;position:var(--position);top:4.75pt;width:75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:46.36pt"></span></span><span style="left:48.99pt;position:var(--position)">8,020<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td></tr><tr style="height:14.25pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:197.25pt;width:406.5pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:406.5pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Issued during the period</span></div></div></div></td><td style="border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:406.5pt;position:var(--position);top:197.25pt;width:75pt"><div><div style="line-height:8pt;position:var(--position);top:4.75pt;width:75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:64.59pt"></span></span><span style="left:67.22pt;position:var(--position)">–<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td></tr><tr style="height:14.25pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:211.5pt;width:406.5pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:406.5pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Repurchases and redemptions during the period</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:406.5pt;position:var(--position);top:211.5pt;width:75pt"><div><div style="line-height:8pt;position:var(--position);top:4.75pt;width:75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:50.42pt"></span></span><span style="left:53.050000000000004pt;position:var(--position)">(486)</span></span></div></div></div></td></tr><tr style="height:14.25pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:225.75pt;width:406.5pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:406.5pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Foreign exchange movements</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:406.5pt;position:var(--position);top:225.75pt;width:75pt"><div><div style="line-height:8pt;position:var(--position);top:4.75pt;width:75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:58.9pt"></span></span><span style="left:61.53pt;position:var(--position)">63<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td></tr><tr style="height:14.25pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:240pt;width:406.5pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:406.5pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Other movements (cash and non-cash)</span></div></div></div></td><td style="border-bottom:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:406.5pt;position:var(--position);top:240pt;width:75pt"><div><div style="line-height:8pt;position:var(--position);top:4.75pt;width:75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:58.03pt"></span></span><span style="left:60.660000000000004pt;position:var(--position)">(15)</span></span></div></div></div></td></tr><tr style="height:14.25pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:254.25pt;width:406.5pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:406.5pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">At 30 June 2026</span></div></div></div></td><td style="border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;font-size:0;text-align:left;vertical-align:top"><div style="left:406.5pt;position:var(--position);top:254.25pt;width:75pt"><div><div style="line-height:8pt;position:var(--position);top:4.75pt;width:75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:47.88pt"></span></span><span style="left:50.510000000000005pt;position:var(--position)">7,582<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td></tr></tbody></table></div></div></div> 7211000000 1761000000 904000000 -396000000 170000000 7842000000 0 9000000 125000000 62000000 8020000000 0 486000000 63000000 -15000000 7582000000 <span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:9pt;font-style:normal;font-weight:bold;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre">Note 14: Dividends on ordinary shares</span><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:415.19pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:117.86pt">The Bank paid dividends of </span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:174.55pt;position:var(--position);text-decoration:none;white-space:pre;width:53.1pt">£480 million</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:227.65pt;position:var(--position);text-decoration:none;white-space:pre;width:110.72pt"> on 16 February 2026 and </span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:338.37pt;position:var(--position);text-decoration:none;white-space:pre;width:52.34pt">£700 million</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:390.71pt;position:var(--position);text-decoration:none;white-space:pre;width:75.33pt"> on 15 May 2026 (</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:466.04pt;position:var(--position);text-decoration:none;white-space:pre;width:53pt">£640 million</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:519.04pt;position:var(--position);text-decoration:none;white-space:pre;width:19.16pt"> was</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.2pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:427.79pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:177.91pt">paid during the half-year to 30 June 2025).</span></div> 480000000 700000000 640000000 <span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:9pt;font-style:normal;font-weight:bold;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre">Note 15: Related party transactions</span><div style="font-size:12pt;line-height:9pt;position:var(--position);top:94.29pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:9pt;font-style:normal;font-weight:bold;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre">Balances and transactions with fellow Lloyds Banking Group undertakings</span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:108.09pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:481.61pt">The Bank and its subsidiaries have balances due to and from the Bank’s parent company, Lloyds Banking Group</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.3pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:120.69pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:365.46pt">plc, and fellow Group undertakings. These are included on the balance sheet as follows:</span></div><div style="position:var(--position);top:141.29pt;width:594.99pt"><div style="font-size:0pt;left:56.69pt;position:var(--position);width:481.5pt"><div><table style="border-collapse:collapse;display:inline-table;width:100%"><tbody><tr style="height:0"><td style="padding:0;width:375.75pt"></td><td style="padding:0;width:50.25pt"></td><td style="padding:0;width:5.25pt"></td><td style="padding:0;width:50.25pt"></td></tr><tr style="height:32.25pt"><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:375.75pt;position:var(--position);width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:3.55pt;width:50.25pt"><span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:12.7pt;position:var(--position);text-decoration:none;white-space:pre">At 30 Jun</span></div><div style="font-size:12pt;line-height:8pt;position:var(--position);top:13.15pt;width:50.25pt"><span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:28.25pt;position:var(--position);text-decoration:none;white-space:pre">2026</span></div><div style="line-height:8pt;position:var(--position);top:22.75pt;width:50.25pt"><span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:35.97pt;position:var(--position);text-decoration:none;white-space:pre">£m</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:3.55pt;width:50.25pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:12.61pt;position:var(--position);text-decoration:none;white-space:pre">At 31 Dec</span></div><div style="font-size:12pt;line-height:8pt;position:var(--position);top:13.15pt;width:50.25pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:28.79pt;position:var(--position);text-decoration:none;white-space:pre">2025</span></div><div style="line-height:8pt;position:var(--position);top:22.75pt;width:50.25pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:36.03pt;position:var(--position);text-decoration:none;white-space:pre">£m</span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:44.25pt;width:375.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:375.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Assets, included within:</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:56.25pt;width:375.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:375.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Derivative financial instruments</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:375.75pt;position:var(--position);top:56.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:30.52pt"></span></span><span style="left:33.15pt;position:var(--position)">722<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:56.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:30.15pt"></span></span><span style="left:32.78pt;position:var(--position)">742<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:68.25pt;width:375.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:375.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Financial assets at amortised cost: due from fellow Lloyds Banking Group undertakings</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:375.75pt;position:var(--position);top:68.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:24.04pt"></span></span><span style="left:26.669999999999998pt;position:var(--position)">1,462<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:68.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:26.54pt"></span></span><span style="left:29.169999999999998pt;position:var(--position)">1,182<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:92.25pt;width:375.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:375.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Liabilities, included within:</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:104.25pt;width:375.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:375.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Due to fellow Lloyds Banking Group undertakings</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:375.75pt;position:var(--position);top:104.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:23.24pt"></span></span><span style="left:25.869999999999997pt;position:var(--position)">5,522<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:104.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:22.9pt"></span></span><span style="left:25.529999999999998pt;position:var(--position)">3,852<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:116.25pt;width:375.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:375.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Derivative financial instruments</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:375.75pt;position:var(--position);top:116.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:30.65pt"></span></span><span style="left:33.28pt;position:var(--position)">610<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:116.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:29.05pt"></span></span><span style="left:31.68pt;position:var(--position)">580<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:128.25pt;width:375.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:375.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Debt securities in issue at amortised cost</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:375.75pt;position:var(--position);top:128.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:18.78pt"></span></span><span style="left:21.41pt;position:var(--position)">19,506<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:128.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:20.19pt"></span></span><span style="left:22.82pt;position:var(--position)">18,223<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:140.25pt;width:375.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:375.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Subordinated liabilities</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:375.75pt;position:var(--position);top:140.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:23.98pt"></span></span><span style="left:26.61pt;position:var(--position)">8,214<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:140.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:21.25pt"></span></span><span style="left:23.88pt;position:var(--position)">8,600<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td></tr></tbody></table></div></div></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:306.54pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:141.58pt">During the half-year to 30 June </span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:198.27pt;position:var(--position);text-decoration:none;white-space:pre;width:21.55pt">2026</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:219.82pt;position:var(--position);text-decoration:none;white-space:pre;width:90.66pt"> the Group earned £</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:310.48pt;position:var(--position);text-decoration:none;white-space:pre;width:10.23pt">25</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:320.71pt;position:var(--position);text-decoration:none;white-space:pre;width:131.35pt"> million (half-year to 30 June </span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:452.06pt;position:var(--position);text-decoration:none;white-space:pre;width:21.19pt">2025</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:473.25pt;position:var(--position);text-decoration:none;white-space:pre;width:6.42pt">: </span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:479.67pt;position:var(--position);text-decoration:none;white-space:pre;width:42.61pt">£9 million</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:522.28pt;position:var(--position);text-decoration:none;white-space:pre;width:16.01pt">) of</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.29pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:319.14pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:136.6pt">interest income and incurred £</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:193.29pt;position:var(--position);text-decoration:none;white-space:pre;width:15.79pt">750</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:209.07999999999998pt;position:var(--position);text-decoration:none;white-space:pre;width:134.23pt"> million (half-year to 30 June </span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:343.31pt;position:var(--position);text-decoration:none;white-space:pre;width:21.19pt">2025</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:364.5pt;position:var(--position);text-decoration:none;white-space:pre;width:6.9pt">: </span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:371.4pt;position:var(--position);text-decoration:none;white-space:pre;width:54.09pt">£643 million</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:425.49pt;position:var(--position);text-decoration:none;white-space:pre;width:112.68pt">) of interest expense and</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.1700000000001pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:331.74pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:155.78pt">recognised net fee and commission </span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:212.47pt;position:var(--position);text-decoration:none;white-space:pre;width:34.44pt">expense</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:246.91pt;position:var(--position);text-decoration:none;white-space:pre;width:20.93pt"> of £</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:267.84000000000003pt;position:var(--position);text-decoration:none;white-space:pre;width:10.23pt">52</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:278.07pt;position:var(--position);text-decoration:none;white-space:pre;width:129.41pt"> million (half year to 30 June </span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:407.48pt;position:var(--position);text-decoration:none;white-space:pre;width:21.19pt">2025</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:428.67pt;position:var(--position);text-decoration:none;white-space:pre;width:109.49pt">: net fee and commission</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.1600000000001pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:344.34pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:34.44pt">expense</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:91.13pt;position:var(--position);text-decoration:none;white-space:pre;width:25.69pt"> of £</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:116.82pt;position:var(--position);text-decoration:none;white-space:pre;width:10.43pt">47</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:127.25pt;position:var(--position);text-decoration:none;white-space:pre;width:410.94pt"> million) on balances and transactions with Lloyds Banking Group plc and fellow Group</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.19pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:356.94pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:56.61pt">undertakings.</span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);top:377.54pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:9pt;font-style:italic;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre">Other related party transactions</span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:391.34pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:256.01pt">Other related party transactions for the half-year to 30 June </span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:312.7pt;position:var(--position);text-decoration:none;white-space:pre;width:21.55pt">2026</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:334.25pt;position:var(--position);text-decoration:none;white-space:pre;width:204.05pt"> are similar in nature to those for the year ended</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.3pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:403.94pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:56.33pt">31 December </span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:113.02pt;position:var(--position);text-decoration:none;white-space:pre;width:21.19pt">2025</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:134.20999999999998pt;position:var(--position);text-decoration:none;white-space:pre;width:2.39pt">.</span></div> <span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:481.61pt">The Bank and its subsidiaries have balances due to and from the Bank’s parent company, Lloyds Banking Group</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.3pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:120.69pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:365.46pt">plc, and fellow Group undertakings. These are included on the balance sheet as follows:</span></div><div style="position:var(--position);top:141.29pt;width:594.99pt"><div style="font-size:0pt;left:56.69pt;position:var(--position);width:481.5pt"><div><table style="border-collapse:collapse;display:inline-table;width:100%"><tbody><tr style="height:0"><td style="padding:0;width:375.75pt"></td><td style="padding:0;width:50.25pt"></td><td style="padding:0;width:5.25pt"></td><td style="padding:0;width:50.25pt"></td></tr><tr style="height:32.25pt"><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:375.75pt;position:var(--position);width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:3.55pt;width:50.25pt"><span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:12.7pt;position:var(--position);text-decoration:none;white-space:pre">At 30 Jun</span></div><div style="font-size:12pt;line-height:8pt;position:var(--position);top:13.15pt;width:50.25pt"><span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:28.25pt;position:var(--position);text-decoration:none;white-space:pre">2026</span></div><div style="line-height:8pt;position:var(--position);top:22.75pt;width:50.25pt"><span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:35.97pt;position:var(--position);text-decoration:none;white-space:pre">£m</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:3.55pt;width:50.25pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:12.61pt;position:var(--position);text-decoration:none;white-space:pre">At 31 Dec</span></div><div style="font-size:12pt;line-height:8pt;position:var(--position);top:13.15pt;width:50.25pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:28.79pt;position:var(--position);text-decoration:none;white-space:pre">2025</span></div><div style="line-height:8pt;position:var(--position);top:22.75pt;width:50.25pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:36.03pt;position:var(--position);text-decoration:none;white-space:pre">£m</span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:44.25pt;width:375.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:375.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Assets, included within:</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:56.25pt;width:375.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:375.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Derivative financial instruments</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:375.75pt;position:var(--position);top:56.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:30.52pt"></span></span><span style="left:33.15pt;position:var(--position)">722<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:56.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:30.15pt"></span></span><span style="left:32.78pt;position:var(--position)">742<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:68.25pt;width:375.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:375.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Financial assets at amortised cost: due from fellow Lloyds Banking Group undertakings</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:375.75pt;position:var(--position);top:68.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:24.04pt"></span></span><span style="left:26.669999999999998pt;position:var(--position)">1,462<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:68.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:26.54pt"></span></span><span style="left:29.169999999999998pt;position:var(--position)">1,182<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:92.25pt;width:375.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:375.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Liabilities, included within:</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:104.25pt;width:375.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:375.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Due to fellow Lloyds Banking Group undertakings</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:375.75pt;position:var(--position);top:104.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:23.24pt"></span></span><span style="left:25.869999999999997pt;position:var(--position)">5,522<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:104.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:22.9pt"></span></span><span style="left:25.529999999999998pt;position:var(--position)">3,852<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:116.25pt;width:375.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:375.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Derivative financial instruments</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:375.75pt;position:var(--position);top:116.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:30.65pt"></span></span><span style="left:33.28pt;position:var(--position)">610<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:116.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:29.05pt"></span></span><span style="left:31.68pt;position:var(--position)">580<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:128.25pt;width:375.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:375.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Debt securities in issue at amortised cost</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:375.75pt;position:var(--position);top:128.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:18.78pt"></span></span><span style="left:21.41pt;position:var(--position)">19,506<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:128.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:20.19pt"></span></span><span style="left:22.82pt;position:var(--position)">18,223<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td></tr><tr style="height:12pt"><td style="font-size:0;text-align:left;vertical-align:top"><div style="position:var(--position);top:140.25pt;width:375.75pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:375.75pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;left:2.63pt;position:var(--position);text-decoration:none;white-space:pre">Subordinated liabilities</span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:375.75pt;position:var(--position);top:140.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:23.98pt"></span></span><span style="left:26.61pt;position:var(--position)">8,214<span style="display:inline-block;height:6.4pt;width:3.03pt"></span></span></span></div></div></div></td><td style="font-size:0;text-align:left;vertical-align:top"></td><td style="font-size:0;text-align:left;vertical-align:top"><div style="left:431.25pt;position:var(--position);top:140.25pt;width:50.25pt"><div><div style="line-height:8pt;position:var(--position);top:2.63pt;width:50.25pt"><span style="color:#000000;font-family:'GT Ultra Lloyds Light', sans-serif;font-size:8pt;font-style:normal;font-weight:normal;text-decoration:none;white-space:pre"><span style="left:2.63pt;position:var(--position)"><span style="display:inline-block;height:6.4pt;width:21.25pt"></span></span><span style="left:23.88pt;position:var(--position)">8,600<span style="display:inline-block;height:6.4pt;width:2.96pt"></span></span></span></div></div></div></td></tr></tbody></table></div></div></div> 722000000 742000000 1462000000 1182000000 5522000000 3852000000 610000000 580000000 19506000000 18223000000 8214000000 8600000000 25000000 9000000 750000000 643000000 52000000 47000000 <span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:9pt;font-style:normal;font-weight:bold;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre">Note 16: Contingent liabilities, commitments and guarantees</span><div style="font-size:12pt;line-height:9pt;position:var(--position);top:443.34pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:9pt;font-style:normal;font-weight:bold;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre">Contingent liabilities, commitments and guarantees</span><span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:9pt;font-style:normal;font-weight:bold;left:279.51pt;position:var(--position);text-decoration:none;white-space:pre"> arising from the banking business</span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:457.14pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:49.06pt">At 30 June </span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:105.75pt;position:var(--position);text-decoration:none;white-space:pre;width:21.55pt">2026</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:127.3pt;position:var(--position);text-decoration:none;white-space:pre;width:410.93pt"> contingent liabilities, such as performance bonds and letters of credit, arising from the banking</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.23pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:469.74pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:65.26pt">business were £</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:121.95pt;position:var(--position);text-decoration:none;white-space:pre;width:20.03pt">3,011</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:141.98000000000002pt;position:var(--position);text-decoration:none;white-space:pre;width:92.4pt"> million (31 December </span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:234.38pt;position:var(--position);text-decoration:none;white-space:pre;width:21.19pt">2025</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:255.57pt;position:var(--position);text-decoration:none;white-space:pre;width:4.71pt">: </span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:260.28pt;position:var(--position);text-decoration:none;white-space:pre;width:58.8pt">£2,987 million</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:319.08pt;position:var(--position);text-decoration:none;white-space:pre;width:5.72pt">).</span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:490.34pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:133.63pt">The contingent liabilities of the </span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:190.32pt;position:var(--position);text-decoration:none;white-space:pre;width:26.39pt">Group</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:216.71pt;position:var(--position);text-decoration:none;white-space:pre;width:321.54pt"> arise in the normal course of its banking business and it is not practicable to</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.25pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:502.94pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:398.61pt">quantify their future financial effect. Total commitments and financial guarantees were £</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:455.3pt;position:var(--position);text-decoration:none;white-space:pre;width:33.64pt">144,260</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:488.94pt;position:var(--position);text-decoration:none;white-space:pre;width:49.27pt"> million (31</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.21pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:515.54pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:46.06pt">December </span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:102.75pt;position:var(--position);text-decoration:none;white-space:pre;width:21.19pt">2025</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:123.94pt;position:var(--position);text-decoration:none;white-space:pre;width:5.2pt">: </span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:129.14pt;position:var(--position);text-decoration:none;white-space:pre;width:67.77pt">£135,570 million</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:196.91pt;position:var(--position);text-decoration:none;white-space:pre;width:3.33pt">)</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:200.24pt;position:var(--position);text-decoration:none;white-space:pre;width:337.91pt">, of which in respect of undrawn formal standby facilities, credit lines and other</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.15pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:528.14pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:100.12pt">commitments to lend, £</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:156.81pt;position:var(--position);text-decoration:none;white-space:pre;width:27.98pt">72,335</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:184.79pt;position:var(--position);text-decoration:none;white-space:pre;width:92.4pt"> million (31 December </span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:277.19pt;position:var(--position);text-decoration:none;white-space:pre;width:21.19pt">2025</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:298.38pt;position:var(--position);text-decoration:none;white-space:pre;width:4.71pt">: </span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:303.09000000000003pt;position:var(--position);text-decoration:none;white-space:pre;width:65.31pt">£65,360 million</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:368.4pt;position:var(--position);text-decoration:none;white-space:pre;width:73.25pt">) was irrevocable.</span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);top:548.74pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:9pt;font-style:normal;font-weight:bold;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre">Capital commitments</span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:562.54pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:281.27pt">Capital expenditure contracted but not provided for at 30 June </span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:337.96pt;position:var(--position);text-decoration:none;white-space:pre;width:21.55pt">2026</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:359.51pt;position:var(--position);text-decoration:none;white-space:pre;width:68.62pt"> amounted to £</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:428.13pt;position:var(--position);text-decoration:none;white-space:pre;width:15.98pt">788</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:444.11pt;position:var(--position);text-decoration:none;white-space:pre;width:38.81pt"> million (</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:482.92pt;position:var(--position);text-decoration:none;white-space:pre;width:55.38pt">31 December</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.3pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:575.14pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:21.19pt">2025</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:77.88pt;position:var(--position);text-decoration:none;white-space:pre;width:7.85pt">: </span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:85.72999999999999pt;position:var(--position);text-decoration:none;white-space:pre;width:53.12pt">£610 million</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:138.85pt;position:var(--position);text-decoration:none;white-space:pre;width:340.21pt">) and related to assets to be leased to customers under operating leases.</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:479.06pt;position:var(--position);text-decoration:none;white-space:pre;width:59.18pt"> The Group’s</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.24pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:587.74pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:458.95pt">management is confident that future net revenues and funding will be sufficient to cover these commitments.</span></div><div><div style="font-size:12pt;line-height:9pt;position:var(--position);top:56.69pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:9pt;font-style:normal;font-weight:bold;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre">NOTES TO THE CONDENSED CONSOLIDATED HALF-YEAR FINANCIAL STATEMENTS (UNAUDITED)</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:485.73pt;position:var(--position);text-decoration:none;white-space:pre"> (continued)</span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);top:75.49pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:9pt;font-style:normal;font-weight:bold;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre">Note 16: Contingent liabilities, commitments and guarantees</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:316.96999999999997pt;position:var(--position);text-decoration:none;white-space:pre"> (continued)</span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);top:94.29pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:9pt;font-style:normal;font-weight:bold;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre">Interchange fees</span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:108.09pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:249.44pt">With respect to multi-lateral interchange fees (MIFs), the </span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:306.13pt;position:var(--position);text-decoration:none;white-space:pre;width:66.76pt">Lloyds Banking </span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:372.89pt;position:var(--position);text-decoration:none;white-space:pre;width:165.29pt">Group is not a party in the ongoing or</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.1800000000001pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:120.69pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:481.53pt">threatened litigation which involves the card schemes Visa and Mastercard or any settlements of such litigation.</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.22pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:133.29pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:58.75pt">However, the </span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:115.44pt;position:var(--position);text-decoration:none;white-space:pre;width:319.52pt">Group is a member/licensee of Visa and Mastercard and other card schemes.</span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:148.89pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:481.49pt">Litigation has been brought by or on behalf of retailers against both Visa and Mastercard in the English Courts, in</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.1800000000001pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:161.49pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:481.6pt">which retailers are seeking damages on grounds that Visa and Mastercard’s MIFs breached competition law. This</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.29pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:174.09pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:481.51pt">includes a final judgment of the Supreme Court in 2020 that certain historic interchange arrangements of</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.2pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:186.69pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:481.51pt">Mastercard and Visa infringed competition law and a subsequent judgment of the Competition Appeal Tribunal in</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.2pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:199.29pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:481.52pt">June 2025 finding that all default interchange fee rules of Mastercard and Visa (including after the Interchange Fee</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.21pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:211.89pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:161.35pt">Regulation) infringed competition law.</span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:227.49pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:481.57pt">Separate litigation was brought on behalf of UK consumers in the English Courts against Mastercard (settlement of</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.26pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:240.09pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:343.18pt">which was approved by the Competition Appeal Tribunal in the first half of 2025).</span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:255.69pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:79.6pt">Any impact on the </span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:136.29pt;position:var(--position);text-decoration:none;white-space:pre;width:401.85pt">Group of the litigation against Visa and Mastercard remains uncertain at this time, such that it is</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.14pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:268.29pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:481.6pt">not practicable for the Group to provide an estimate of any potential financial effect. Insofar as Visa is required to</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.29pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:280.89pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:481.54pt">pay damages to retailers for interchange fees set prior to June 2016, contractual arrangements to allocate liability</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.23pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:293.49pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:249.51pt">have been agreed between various UK banks (including the </span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:306.2pt;position:var(--position);text-decoration:none;white-space:pre;width:64.62pt">Lloyds Banking </span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:370.82pt;position:var(--position);text-decoration:none;white-space:pre;width:167.48pt">Group) and Visa Inc, as part of Visa Inc’s</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.3pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:306.09pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:454.85pt">acquisition of Visa Europe in 2016. These arrangements cap the maximum amount of liability to which the </span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:511.54pt;position:var(--position);text-decoration:none;white-space:pre;width:26.67pt">Lloyds</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.21pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:318.69pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:36.01pt">Banking </span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:92.69999999999999pt;position:var(--position);text-decoration:none;white-space:pre;width:320.91pt">Group may be subject as the amount of cash consideration received by the </span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:413.61pt;position:var(--position);text-decoration:none;white-space:pre;width:65.44pt">Lloyds Banking </span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:479.05pt;position:var(--position);text-decoration:none;white-space:pre;width:59.21pt">Group in 2016</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.26pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:331.29pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:158.57pt">for the sale of its stake in Visa Europe.</span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);top:351.89pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:9pt;font-style:normal;font-weight:bold;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre">LIBOR and other trading rates </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:365.69pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:33.93pt">Certain </span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:90.62pt;position:var(--position);text-decoration:none;white-space:pre;width:65.62pt">Lloyds Banking </span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:156.24pt;position:var(--position);text-decoration:none;white-space:pre;width:382.04pt">Group companies, together with other panel banks, were previously named as defendants</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.28pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:378.29pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:481.57pt">in private lawsuits in the US in connection with their roles as panel banks contributing to the setting of US dollar,</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.26pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:390.89pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:481.55pt">Japanese yen and Sterling London Interbank Offered Rate. Certain Group company dismissals from these lawsuits</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.24pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:403.49pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:106.44pt">remain subject to appeal.</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:163.13pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:424.09pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:9.43pt">A </span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:66.12pt;position:var(--position);text-decoration:none;white-space:pre;width:66.38pt">Lloyds Banking </span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:132.5pt;position:var(--position);text-decoration:none;white-space:pre;width:197.24pt">Group entity is also named as a defendant in </span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:329.74pt;position:var(--position);text-decoration:none;white-space:pre;width:5.04pt">a</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:334.78pt;position:var(--position);text-decoration:none;white-space:pre;width:203.44pt"> Dutch class action, raising LIBOR manipulation</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.22pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:436.69pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:148.34pt">allegations and one English claim </span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:205.03pt;position:var(--position);text-decoration:none;white-space:pre;width:333.22pt">relating to the alleged mis-sale of interest rate hedging products which also</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.25pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:449.29pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:191.17pt">includes an allegation of LIBOR manipulation.</span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:469.89pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:328.39pt">It is currently not possible to predict the scope and ultimate outcome on the </span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:385.08pt;position:var(--position);text-decoration:none;white-space:pre;width:65.4pt">Lloyds Banking </span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:450.48pt;position:var(--position);text-decoration:none;white-space:pre;width:87.79pt">Group of any private</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.27pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:482.49pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:33.89pt">lawsuits</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:90.58pt;position:var(--position);text-decoration:none;white-space:pre;width:355.7pt">. As such, it is not practicable to provide an estimate of any potential financial effect.</span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);top:503.09pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:9pt;font-style:normal;font-weight:bold;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre">Tax authorities</span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:516.89pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:18.9pt">The </span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:75.59pt;position:var(--position);text-decoration:none;white-space:pre;width:462.71pt">Group has an open matter in relation to a claim for group relief of losses incurred in its former Irish banking</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.3pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:529.49pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:233pt">subsidiary, which ceased trading on 31 December 2010.</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:289.69pt;position:var(--position);text-decoration:none;white-space:pre;width:248.6pt"> In 2020, HMRC concluded its enquiry into the matter and</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.29pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:542.09pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:258.86pt">issued a closure notice denying the group relief claim. The </span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:315.55pt;position:var(--position);text-decoration:none;white-space:pre;width:222.69pt">Group appealed to the First Tier Tax Tribunal. The</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.24pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:554.69pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:481.55pt">hearing took place in May 2023. In January 2025, the First Tier Tribunal concluded in favour of HMRC. The Group</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.24pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:567.29pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:481.5pt">believes it has applied the rules correctly and that the claim for group relief is correct. Having reviewed the</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.19pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:579.89pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:481.5pt">Tribunal’s conclusions and having taken appropriate advice the Group has appealed to the Upper Tier Tax</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.19pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:592.49pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:481.51pt">Tribunal, and does not consider this to be a case where an additional tax liability will ultimately fall due. If the final</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.2pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:605.09pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:481.51pt">determination of the matter by the judicial process is that HMRC’s position is correct, management believes that</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.2pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:617.69pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:253.09pt">this would result in an increase in current tax liabilities of </span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:309.78pt;position:var(--position);text-decoration:none;white-space:pre;width:69.27pt">approximately £</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:379.05pt;position:var(--position);text-decoration:none;white-space:pre;width:16pt">855</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:395.05pt;position:var(--position);text-decoration:none;white-space:pre;width:115.19pt"> million (including interest)</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:510.24pt;position:var(--position);text-decoration:none;white-space:pre;width:27.93pt"> and a</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.1700000000001pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:630.29pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:55.22pt">reduction in </span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:111.91pt;position:var(--position);text-decoration:none;white-space:pre;width:53.62pt">the Group’s </span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:165.53pt;position:var(--position);text-decoration:none;white-space:pre;width:78.11pt">deferred tax asset</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:243.64pt;position:var(--position);text-decoration:none;white-space:pre;width:85pt"> of approximately £</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:328.64pt;position:var(--position);text-decoration:none;white-space:pre;width:15.66pt">270</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:344.3pt;position:var(--position);text-decoration:none;white-space:pre;width:37.53pt"> million. </span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:381.83pt;position:var(--position);text-decoration:none;white-space:pre;width:156.47pt">Following the First Tier Tax Tribunal</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.3pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:642.89pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:481.59pt">outcome, the tax has been paid to HMRC and recognised as a current tax asset, given the Group’s view that the</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.28pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:655.49pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:481.5pt">tax liability will not ultimately fall due. The appeal has been listed for hearing in March 2027, however final</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.19pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:668.09pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:259.53pt">conclusion of the judicial process may not be for several years.</span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:688.69pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:250.85pt">There are a number of other open matters on which the </span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:307.53999999999996pt;position:var(--position);text-decoration:none;white-space:pre;width:150.9pt">Group is in discussions with HMRC</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:458.44pt;position:var(--position);text-decoration:none;white-space:pre;width:79.83pt"> (including the tax</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.27pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:701.29pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:203.11pt">treatment of costs relating to HBOS Reading)</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:259.8pt;position:var(--position);text-decoration:none;white-space:pre;width:278.5pt">, none of which is expected to have a material impact on the</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.3pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:713.89pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:101.5pt">financial position of the </span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:158.19pt;position:var(--position);text-decoration:none;white-space:pre;width:28.78pt">Group.</span></div></div><div style="font-size:12pt;line-height:9pt;position:var(--position);top:56.69pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:9pt;font-style:normal;font-weight:bold;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre">NOTES TO THE CONDENSED CONSOLIDATED HALF-YEAR FINANCIAL STATEMENTS (UNAUDITED)</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:485.73pt;position:var(--position);text-decoration:none;white-space:pre"> (continued)</span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);top:75.49pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:9pt;font-style:normal;font-weight:bold;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre">Note 16: Contingent liabilities, commitments and guarantees</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:316.96999999999997pt;position:var(--position);text-decoration:none;white-space:pre"> (continued)</span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);top:94.29pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:9pt;font-style:normal;font-weight:bold;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre">Arena and Sentinel litigation claims</span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:108.09pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:481.61pt">The Group is facing claims brought by (i) Arena Television Limited and Arena Holdings Limited and (ii) Sentinel</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.3pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:120.69pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:481.49pt">Broadcast Limited, alleging breach of duty and/or mandate in connection with an external fraud. The Group is</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.1800000000001pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:133.29pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:481.6pt">continuing to defend the claims, which are now proceeding to trial expected in October 2028. At this stage, it is</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.29pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:145.89pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:433.82pt">not practicable to estimate the final outcome of the matter or its financial impact (if any) to the Group.</span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);top:166.49pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Regular', sans-serif;font-size:9pt;font-style:normal;font-weight:bold;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre">Other legal actions and regulatory matters<span id="i2053d6abf3d14ba08e6270ee38a5fbcd_1500"></span></span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:180.29pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:191.31pt">In addition, in the course of its business the </span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:248pt;position:var(--position);text-decoration:none;white-space:pre;width:290.26pt">Group is subject to other complaints and threatened or actual legal</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.26pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:192.89pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:481.51pt">proceedings (including class or group actions) brought by or on behalf of current or former employees, customers</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.2pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:205.49pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:481.47pt">(including their appointed representatives), investors or other third parties, as well as legal and regulatory reviews,</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.1600000000001pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:218.09pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:481.56pt">enquiries and examinations, requests for information, audits, challenges, investigations and enforcement actions,</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.25pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:230.69pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:481.56pt">which could relate to a number of issues. This includes matters in relation to compliance with applicable laws and</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.25pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:243.29pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:481.58pt">regulations, such as those relating to prudential regulation, employment, consumer protection, investment advice,</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.27pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:255.89pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:481.55pt">business conduct, systems and controls, environmental, sustainability, competition/anti-trust, tax, anti-bribery,</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.24pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:268.49pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:322.72pt">anti-money laundering and sanctions, some of which may be beyond the </span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:379.41pt;position:var(--position);text-decoration:none;white-space:pre;width:158.83pt">Group’s control, both in the UK and</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.24pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:281.09pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:481.51pt">overseas. Where material, such matters are periodically reassessed, with the assistance of external professional</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.2pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:293.69pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:277.05pt">advisers where appropriate, to determine the likelihood of the </span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:333.74pt;position:var(--position);text-decoration:none;white-space:pre;width:116.41pt">Group incurring a liability. </span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:450.15pt;position:var(--position);text-decoration:none;white-space:pre;width:88.09pt">The Group does not</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.24pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:306.29pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:481.61pt">currently expect the final outcome of any such case to have a material adverse effect on its financial position,</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.3pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><div style="font-size:12pt;line-height:9pt;position:var(--position);text-align:justify;text-align-last:var(--justify);top:318.89pt;width:594.99pt"><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:481.61pt">operations or cash flows. Where there is a contingent liability related to an existing provision the relevant</span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:538.3pt;position:var(--position);text-decoration:none;white-space:pre;width:2.32pt"> </span></div><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:56.69pt;position:var(--position);text-decoration:none;white-space:pre;width:152.16pt">disclosures are included within note </span><span style="font-family:'GT Ultra Lloyds Light', sans-serif;font-size:9pt;font-style:normal;font-weight:normal;left:208.85pt;position:var(--position);text-decoration:none;white-space:pre;width:8.22pt">12</span> 3011000000 2987000000 144260000000 135570000000 72335000000 65360000000 788000000 610000000 855000000 270000000 Total comprehensive income attributable to owners of the parent was £2,415 million. Total equity attributable to owners of the parent was £42,832 million Share capital and share premium, previously presented in aggregate, are shown separately. Comparatives have been represented on a consistent basis. Total comprehensive income attributable to owners of the parent was £2,915 million. Total equity attributable to owners of the parent was £41,933 million Share capital and share premium, previously presented in aggregate, are shown separately. Comparatives have been represented on a consistent basis. Total comprehensive income attributable to owners of the parent was £2,209 million. Total equity attributable to owners of the parent was £41,909 million Share capital and share premium, previously presented in aggregate, are shown separately. Comparatives have been represented on a consistent basis.