Investor Presentaiton

Capital Management with CET1 13.5-14.5% Robust capital position in 2021 Improving ROTE supporting organic capital generation CET1 ratio 15.8%1 (FL:14.3%¹) Total capital ratio 20.8%1 ROTE: >10% by 2025 CET1 management at 13.5-14.5% 1) 2) Pro forma for HFS Subject to performance and relevant approvals Usage of capital going forward • Organic growth of loan book Investment in business . Regulatory impacts One-off cost optimisation charges Paving the way for dividend distribution from 2023 onwards2 46 46

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