24 October 2025 | Strong growth across our businesses | £388bn | £435bn | £56bn | | --- | --- | --- | --- | | | Customer Loans1 | Customer Deposits2 | AUMA | | | +4.4% vs Dec'24 | +0.8% vs Dec'24 | +14.5% vs Dec'24 | | Strong returns with attributable profit of | £12.1bn | £5.9bn | 19.5% | | | Income ex notable items3 | Costs4 | Return on Tangible Equity | | £4.1bn | +12.5% vs 9M'24 | +2.5% vs 9M'24 | vs 17.0% in 9M'24 | | Strong capital generation; | 14.2% | 362p | 51p | | share count reduction | CET1 rati ...

Financial Performance - Attributable profit reached £2.5 billion in H1'25, an 18.5% increase compared to H1'24[5, 10] - Total income, excluding notable items, increased by 13.7% to £8.0 billion in H1'25[5, 10] - Return on Tangible Equity (RoTE) improved to 18.1% compared to 16.4% in H1'24[5, 10] - Earnings per share increased by 28% to 30.9p in H1'25[5] Balance Sheet Strength - Customer loans increased by 3.2% to £384 billion compared to December 2024[5] - Customer deposits increased by 1.0% to £436 billion compared to December 2024[5] - Assets Under Management (AUMA) increased by 5.9% to £52 billion compared to December 2024[5] - The CET1 ratio is strong at 13.6%[5, 8] Strategic Initiatives - The group added 1.1 million customers, including over 100,000 organically, bringing the total to over 20 million[7] - The group delivered £110 billion of Climate and Sustainable Finance and introduced a new £200 billion Climate and Transition Finance target[7] - A £750 million share buyback program was announced, equivalent to 40bps of surplus capital[8]