Investor Presentaiton

21 Exposures in a select target market Credit and counterparty exposures are to a select target market: " High net worth clients Mid to large sized corporates Public sector bodies and institutions The majority of exposures reside within the UK In December 2020, we announced the wind down of our Australian operations and sold most of the loan book in March 2021 Our portfolios have performed well to date with limited direct exposure to high street retail or discretionary consumer spending Net core loan growth of 17.0% since 31 March 2021 has been driven by our residential mortgage portfolio through acquisition of target clients in line with our Private Clients strategy, supported by strong demand for corporate credit across several portfolios Focus remains on redeployment of capital into core business activities and ensuring that concentration risk to certain asset types, industries and geographies is prudently managed, mitigated and controlled. Gross core loans by country of exposure Gross core loans by risk category Corporate and other Corporate and acquisition finance 12.8% ■ United Kingdom 83.3% Small ticket asset finance 10.0% 0 8.2% Fund finance 8.6% ■ Europe (excl. UK) Motor finance 5.2% 48% 5.4% ■North America Power and infrastructure finance 3.6% £14.6bn £14.6bn 1.5% ■ Asia Other corporate, institutional, govt. loans 3.0% 0.9% Asset-based lending 2.7% ■ Australia Aviation finance 2.4% 0.7% ■ Other Lending collateralised by property 16% Commercial real estate - investment Residential real estate - investment Residential real estate development 9.3% 2.9% 1.9% Commercial real estate - development 1.8% Residential vacant land and planning 0.2% Commercial vacant land and planning 0.1% High net worth and other private client 36% Mortgages 28.6% HNW and specialised lending 6.8%

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