Trading Update – Improved balance sheet growth, combined with positive endowment tailwinds from higher average interest rates, resulted in strong double-digit net interest income growth period on period. Non-interest revenue growth was supported by growth in transactional activity, trading revenue and insurance earnings. Cost growth was contained to below the group’s weighted average rate of inflation (14%) and the group continued to record strong positive jaws. Group credit impairment charges increased period on period, influenced by the low base in 2H21. The company reports in March 2023.