HOW DID THEY CALCULATE CET1 VALUE IN 2021????

1) Includes an IFRS 9 transitional adjustment of 126 million (2020 - 380 million). Excluding this adjustment, the CET1 ratio would be 13.1% (2020 - 16.1% ) and the leverage ratio would be 4.0% ( 20205.9% ). 2) Leverage exposure is broadly aligned to the accounting value of on and off-balance sheet exposures albeit subject to specific adjustments for derivatives, securities financing positions and off-balance sheet exposures