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[null,"Contact us"]
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[null,"Semantic Evolution Ltd"]
[null,"75 King William Street"]
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[null,"EC4N 7BE"]
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[null,"Strictly Confidential. Copyright 2024 Semantic Evolution Ltd. and its affiliates."]

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[null,"Company Registration Number 09092149 (England and Wales)","Registered Office","Auditor"]
[null,null,"Sth Floor","KPMG LLP"]
[null,null,"London Fruit and Wool Exchange 1 Duval Square London","15 Canada Square Canary Wharf London"]
["Starling Bank Limited","Annual Report 2023","E16PW","E14 5GL"]

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[null,"Group 31March 2023 £'000","Group 31 March 2022 £000"]
["Net Interest Income","348.845","21,712"]
["Net Fees and Commissions","74390","57730"]
["Other(Expense)/Income","(8.421)","8624"]
["Total Income","414,814","188,066"]
["Operating ExpensesNetofGrants","(210,227)","(145,378)"]
["ImpairmentandCharge-offs","(9,991)","(10636)"]
["Profit BeforeTaxation'","194,596","32,052"]
["Taxation","(51,740)","12,886"]
["Profit After Taxation","142,856","44,938"]

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[null,"Group 31 March 2023 £'000","Group 31 March 2022 £'000"]
["Interest Income","403,103","126,614"]
["Interest Expense","(54,258)","(4.802)"]
["Net Interest Income","348,845","121,712"]
["NetInterestMargin","272%","1.27%"]
["Average Interest-Earning Assets","12,805,532","9,588,924"]
["Average Interest-Earning Liabilities","(12,206,258)","(9167169)"]

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[null,"Group 31March 2023 £'000","Group 31 March 2022 £'000"]
["Feesand Commissions Income","12413","RANA"]
["Fees and Commissions Expense","(38,023)","(28,31)"]
["Net Feesand Commissions","74,390","57,730"]

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[null,"Group 31March2023 £000","Group 31 March2022 £'000"]
["NetFairValue (Loss)/Gains from Hedge Relationships","(7.27)","7697"]
["Net{Loss)/Gain from Foreign Exchange","(2007)","25"]
["OtherOperating Income","857","902","."]
["Other (Expense)/Income","(8,421)","8,624"]

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[null,"Group","Group 31 March 2022 £000"]
[".","31March 2023 £000"]
["Staff Costs","136.369","99.137"]
["OtherAdministrative Expenses","84,305","79199"]
["TotalOperating Expenses","220,674","178,336"]
["Creditfor Eligible Spend on StaffCosts","(8133)","(15,517)"]
["Crédit for Eligible Spend on Other Administrative Expenses","(2.314)","(17441)"]
["TotalOperating Expenses NetofGrants","210,227","145,378"]

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[null,"Group 31March 2023 £'000","Group 31March 2022 £'000"]
["Mortgage Lending","3,436,789","1,215,887"]
["SME Lending","1.404.301","2,050,761"]
["Retall Lending","32,543","45031"]
["GrossCarryingValue","4,873,633","3,311,679"]
["UK GovernmentGuaranteeon SME Lending","(1,280,371)","(1.900652)"]
["GrossCarryingValueNetof UK Government Guarantee","3,593,262","141,027"]
["Mortgage Lending","7853","3.221"]
["SME Lending","20,181","16,735"]
["Retail Lending","6.496","5.892"]
["Impairment Provision","34,530","25,848"]
["Mortgage Lending","3428936","1,212,666"]
["SME Lending","103,749","133374"]
["Retail Lending","26.047","39138"]
["Net Exposure","3,558,732","1,385,179"]
["% Coverage BeforeUK Government Guarantee","0.7%","0.8%"]
["%CoverageAfterUKGovernmentGuarantee","1.0%","1.8%"]

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[null,"Group 31 March 2023",null,"Group 31 March2022"]
[null,"£000","% Funding","£'000","%Funding"]
["Total Customer Deposits","10,551,820","82.3%","9,027413","79.8%"]
["Deposits from Banks and Central Bank Funding","2,274,306","177%","2,283,821","20.2%"]
["Funding","12,826,126","100.0%","1,311,234","100.0%"]

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[null,"Group 31March 2023 £'000","Group 31 March 2022 £000"]
["Cash Balances with BoE Avallable for Meeting Liabilities","5526888","5,656,778 °"]
["Debt Securities Held for Liquidity Management Purposes'","731,468","880,586"]
["HQLA","6,258,356","6,537,364"]

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[null,"Group 31March 2023 £000","Group 31 March 2022 £'000"]
["Tota! Regulatory Capital","710,614","397502"]
["Total Risk-Weighted Assets","1,894,758","994,828"]
["Shareholders' Equity","695,277","430,424"]
["CET1 Ratio","3750%","39.96%"]
["Total Tler 1 Ratio","3750%","39.96%"]
["UK Leverage Ratio","9.3%","79%"]

{"sheet":"page_number24-table10","index":11,"n_rows":8,"n_cols":3,"rows_kept":8,"cut":false,"hidden":false,"merged":[]}
["Reporting Requirements","Reference","Policies and Standards which Govern Starling's Approach"]
["Environmental Matters","Environmental, Socialand Governance Review,page 24 Directors' Report,page 41","-- Responsible Investment Policy*"]
["Employees","Environmental, Socialand Governance Review, page 24","- Codeof Conduct - Whistleblowing Policy - Compliance Training and Competence Policy - Performance Management Policy - Remuneration Policy - Health and Safety Policy - Equal Opportunities Pollcy ~ Anti-harrassment and Bullying Policy"]
["Social Matters","Environmental,Socialand Governance Review, page 25","- EthicsStatement ~ Charityand Community Policy"]
["Respectfor Human Rights","Environmental,Social and Governance Review,page 25","- Data Management Policy - Records Managementand Data Retention Policy ~ Policy on Modern Slavery and Human Tratficking"]
["Anti-corruption and Anti-bribery Matters","Environmental, Soclal and Governance Review,page 25","~ Anti-bribery and Corruption Policy - Fraud Risk Policy - Sanctions Policy - Antl-money Laundering Policy - MarketAbuse Policy - Conflictof Interest Pollcy"]
["Description of Business Model","Strategic Reviewand Business Model, page 7"]
["Description of Principal Risksand Impactof Business Activity","Risk Report,page 57"]

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["and mitigation of key risks inherentto the Group's business. Liquidity and Funding Risk set out how the Group assessesrisk, sets risk appetite and and controls each risk. Key MitigatingActions - A business mode! is maintained and regularly updated to identify the financial parametersof the strategic options. This is based on Starling's core purpose, strategic priorities, operating environment and Starling's current and prospective resources and capabilities, including capital, forecasted funding and deposit raising","- Liquidity and funding risk is managed in line with Board-approved standards. The Group undertakes an annual ILAAP and recovery planning process. - Stress testing is undertaken regularly to understand the impact of different liquidity stresses. - Board-approvedrisk appetite measures ensure funding and liquidity levels are monitored and managed in accordance with internal and regulatory requirements and in support of the Group's strategy. - The Group holds sufficient liquid assets to cover a severe but plausible market and idiosyncratic stress."]
["capabilities and expected asset generation capabilities. Market Risk","- Marketrisks (interest rate and foreign exchange (FX) risks) are managed in line with established policies and allocation of capital. - The Group mitigates interest rate risk through executing interest rate derivatives under International Swaps and Derivatives Association (ISDA) contracts with market counterparties to manage the exposure. The majority of swapsare centrally cleared. - FX risk is managed through the execution of spot and forward FX transactions with counterparty banks to reduce open positions and maintain FX risk exposure within risk appetite. - Stresstesting is carried out to understand the Group's vulnerability to different changesin interest rates."]
["- Prospective market share, profitability, shareholder value,rates of growth and capital requirements are assessed in the context of the Group's riskcapacity and risk appetite."]
["- Starling conducts regularstrategic risk assessments of the Board- approved business strategy and plan against the Group's Risk Appetite Statement. This enables the Group to adjustits strategy or to introduce additional mitigants in a timely manner."]
["- Credit risk is managed in line with detailed policies covering the approach to lending, underwriting and collections. - Board-approved risk appetite limits are used to monitor key aspects"]
["of credit risk and manage concentrations. Capital Adequacy - The Groupcarries out regular assurance reviews to review the Risk credit risks in relation to lending and account management, and","~ The Group completes an annual ICAAP which formally assesses the impact of severe, yet plausible, stress events to ensure that the appropriate level and type of capital is held."]
["comprehensive managementinformation is discussed at the Credit Risk Committee (CRC).","- Board-approved risk appetite measures ensure capital levels are monitored and managed in accordance with interna! and regulatory requirements and in support of the Group's strategy. - The Group holds sufficient capital to cover regulatory requirements and internalrisk appetite metrics."]
["- An independent Model Validation team exists to review impairment models, and PMAsare discussed at Starling's Impairment Committee (IC)."]

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["Principal Risk","Key Mitigating Actions","Principal Risk Key Mitigating Actions"]
["Operational Risk","- The Group has an established Operational Risk Framework and Operational Risk Policy to identify, manage and mitigate operational risks. - Starlings operationalresilience self-assessment includes regular testing and enhancementsto ensure thatit remains within important business service impacttolerances.","Compliance Risk - Starling manages compliance and regulatory compliance risk under a series of policies and procedures alongside a comprehensive mandatory staff training programme. - The Compliance function undertakes horizon scanning, which enables the Group to keep track of all upcoming regulatory changes and, where appropriate, engage with both external bodies and the relevant business areas. The Compliance function also provides guidance, challenge, support and monitoring to support the delivery of regulatory change and to ensure ongoing compliance."]
["Fraud and Financial Crime Risk","- The Group is developing its policies and processes on an ongoing basis to allow for the effective management of fraud and financial crime risk. - Starling continuesto review and improve the controls in place to identify fraud orfinancial crime,whether from newor existing customers' activity, suppliers or staff. Where the Group identifies deficiencies in its controls,it seeks to remediate and improve its control environment to deter fraud orfinancial crime from reoccurring."]
[null,null,"See Risk Report on page 48 for further details on the ERMF and approach."]
[null,null,"Emerging Risks and Uncertainties"]
[null,null,"See Risk Report on page 109 for an explanation ofthe emerging risks and uncertainties that Starling has considered during the year."]
["Conduct Risk","- The Group has an overarching Conduct Risk Framework, along with clearly defined policies and processestargeted on delivering good outcomesfor its customers and the necessary metrics and management information to deliver oversight. - There is ongoing developmentof the Group's approach to conduct risk, including providing risk appetite measuresto the Executive Risk Committee (ERC) and the Board to ensure that Starling is managing conductrisk and complying with Consumer Duty regulations. - The Group continually assesses evolving conduct regulations, including Consumer Duty and the 'best practice guidance', customer expectations, and product and proposition developments to ensure it continues to have appropriate customerand conduct focus."]

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["Principle One","Purposeand Leadership"]
["An effective board develops and promotesthe purpose ofacompany, and ensures thatits values, strategy and culturealignwiththat purpose.","{Starlingwasfoundedtogivepeopleafairer,smarter and more human alternative to the banks ofthepast.Starling aims to deliverfasttechnology,fair serviceandhonestvalueswithinthe- banking industry. Starling'spurposeisunderpinned by five Starlingvalues:listen,keep It simple,dotheright thing,ownit and aimforgreatness. Starling'svaluesareintegrated intoall functionsofthe Group,and reiterated throughthe Codeof Conductapplicable toall employeesandagency staff. The Board ensures that the Groupoperateswitha clear sense of purposeandcollectivevision. Boarddecisionsand the Group's overall strategyfully alignwith Starling'scorevalues. Group strategyisdebated and agreed annuallyandconsidered ateach stageofBoard decision-making. DetailsoftheGroup's strategy f are setoutin the Strategic Report. Board decisionsare takenwith dueregardtoall stakeholder interests.The Group's Section 172(1)Statementis setout on pages40and 4). Furtherinformationondecislon-making ofthe Board and managementofconflictsofinterestcan befound on pages 36and 37. Detailsofthe Group'sWhistieblowing Policy and procedurescan befound on page 37."]

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["Principle Four","Opportunityand Risk","Principle Five","Remuneration"]
["A board should promotethe long-term sustainable ofthe by","Theoverarchingdirectionofthe Board istotake riskconsciously andmethodicallyInordertodeliver Starling's strategicand","A boardshould promote executive remuneration structures alignedtothe long-term successofa company,","The Board Ri ation Ci is iblefor reviewing"]
[null,", while \\q mar of",null,"workforceremunerationand related principlesandpolicies (including thealignmentofincentivesand rewardsandany major"]
["identifying opportunitiesto createand preservevalue andestablishing oversight forthe identificationand mitigation of risks.","materialriskstolevelsthatpreservefinancial and operational resilience,andwhichensure the ongoing confidenceof customers,regulatorsand investors. Starling hasadopted theThree Linesof Defence modelforrisk management.IntheFirst LineofDefence(1LoD).individualshave beenappointedtocontrol rolesto strengthen the processesfor assessmentandoperational effectivenessofcontrols. in the Second LineofDefence (2LoD),the Group has expanded its capacityandcapability toenhance its riskand control assessmentprocesses. IntheThird Line ofDefence (3LoD),the Grouphasestablished an internatAuditfunctionwhich is responsibleforproviding assurance tothe Board Audit",null,"gesin its }inlinewiththeculture and broadervaluesoftheGroup.TheBoard Remuneration"]
[null,null,"taking intoaccount pay and conditionselsewhere inthecompany.","Committeecomprises Non-ExecutiveDirectorsonlyandis chalred bythe SeniorIndependent Director. Starling Iscommitted toadhering torulesonremuneration, incentivesand relevant financial regulatory regimesapplicable to a bank. Asa result,the Grouphasin placearisk-focused Remuneration Policywhich isconsistentwithand promotes effectiveriskmanagementand does notexposetheGroupto excessiverisk. The Remuneration Policyalsoalignstothe Group'sculture,corporate governanceprinciples,performance, controlenvironment and legal and regulatoryrequirements."]
[null,"C onthe effi essofthe risk",null,"The Remuneration Policyappliestoallemployeesand Directors ofthe Group.itisreviewedannuallytotakeaccountofany changestopolicies,practicesand procedures,andaimsto strike shortand long Whereappropriatethe Group seeksexternaladvice0support decision-making and inform the Board priortoapprovalofthe Remuneration Policy. FurtherInformation onthe roleof the Board Remuneration Committee canbe found on page39."]
[null,"and governanceprocessesforthe Group. The Board RiskCommittee and the Executive Risk Committee ensurethatinherentandemerging risks areidentifiedand managedappropriately. Furtherinformationon Starling'sriskand contro! framework,risk strategyandThreeLinesofDefence modelcan befound inthe Risk Report frompage47."]
[null,null,"Principle Six","Stakeholder Relationshipsand Engagement"]
[null,null,"Directors should foster effective stakeholder relationships aligned tothe company's purpose. The board is responsiblefor overseeing meaningful engagementwith stakeholders,including the workforce,and having regard totheirviewswhen taking decisions.","Starling'skey stakeholdersare its people,customersand suppliers, communities and environment, shareholders and regulatorybodies. The Board recognises the importanceofengagingwitheachof thesegroupsto helpinform itsstrategyanddecision-making. Regular updatesto the Board on people, ESG initiatives, brand sentimentand media activity assistthe Boardinunderstanding the impactsofthe Group's policies andpractices. Furtherdetails on howthe Board has hadregardtostakeholder relationshipsand engagementcan befoundinthe Section172(1) Statementon pages40and 41."]
["Starling Bank Limited","Annual Report 2023"]

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["Key Stakeholders","Section 172(1) Statement"]
["Communities and Environment","The Boardrecognisestheimportance ofunderstanding how Starling's business impacts thecommunities it servesand of contributing tothecommunity throughvolunteering and charitablegiving.Starling recently announced a newpartnershipwith the NationalTrustaimedatimproving accesstonatureand conservingnaturalhabitatsforall to enjoy nowand inthe future. Starling alsoencouragesemployeestovolunteerwithin thecommunity and offerstwodays'paid leave per yeartodo so. The Board Ethicsand Sustainability CommitteeoverseestheimpactofStarling'soperationson thecommunity and environment and reportstotheBoardonStarling'sethics.environmental and societalresponsibilities. Starling hasalsoestablished theGreen ShootsAmbassadors,anemployee-led forumestablished toshareideasand supportcolleagues oncombating climatechange. Furtherinformationonhowwe engagewith theenvironmentisset out in the sectioncalled Environmental, Social and Governance Reviewonpage24."]
["Shareholders","Starling valuesthetrust,confidence and views ofallof Itsinvestors. Significantshareholdersare represented on the Board and/or are entitledtonominateanobservertoattend and speak at Board meetings."]
["Regulatory Bodies","Starling BankLimited isauthorised by the PRAand regulated by the FCA and the PRA.The Board and the Executivemaintain strong,openandtransparentrelationships with regulators,allowing the Board toensure Starling'sstrategicaimsand alldecision makingalignswith therequirements ofthese important stakeholdersand thoseofitscustomers. On an annualbasis,the Board InvitesrepresentativesfromthePRA to presentfirst-hand theirfeedback and observationsto the Board."]

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[null,"31 March 2023","31 March 2022","Related Party Transactions"]
["Total Energy Consumption used to Calculate Carbon Emissions (kWh)",null,null,"Details of related party transactions are set out in note 32 of the financial statements."]
[null,"839,486","591,269"]
["Emissions from Combustion of Natural Gasin Buildings(tCO2e) (Scope1)",null,null,"Subsidiaries"]
[null,"23","12","The Group's subsidiaries are listed in note 19 of the financial statements."]
["Emissionsfrom Purchased ElectricityinBuildings(Location- based)(tCO2e)(Scope 2)",null,null,"Subsequent Events"]
[null,"138","m2","There are nomaterial events that have taken place between 31 March 2023and the date of approval of these accounts that require disclosure or adjustmentto the financial statements."]
["Emissions from Purchased Electricityin Buildings{Market- based)(tCO2e) (Scope 2)","-","-"]
["F-Gas Emissions","-","-"]
["Total OrganisationalEmissions (Location-based) (tCO2e) Carbon Intensity Ratio-Carbon",null,null,"Going Concern"]
[null,"161","124","In preparing the consolidated financial statements, the Directors must satisfy themselves thatit is reasonable for"]
["Emissions per Full-time Employee (Location-based) (kgCO2e/Full-time Employee)","62","68","them to adopt thegoing concern basis. in assessing the Group and Bank's going concern position .as at 31 March 2023, the Directors considered a wide range"]

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["@ StarlingBank","Strategic Report { Risk Report)","C Financial Statements )","(otherInformation)"]
["Directors' Report continued"]
["Other Statutory Information"]
["The Directors have also reviewed the financial and capital impact of a range of severe but plausible capital and liquidity stresses on the base case business plan. These stresses are based on the latest BoE Annual Cyclical Scenarios (ACS) published in 2022. The Groupand Bank have implemented both a high and low interest rate variant of the ACS, as well as further reverse,idiosyncratic and single-variable stresstests in orderto test the limits and vulnerabilities of the business plan and strategy. The impact of management actions that might be taken to mitigate the impact of these stressesis also assessed. Stresstesting is performed regularly throughoutthe year to monitor business performance and to inform and support management's decision making.It also forms a fundamental partofthe annual production of the ICAAP, ILAAPand recovery and resolution planning. Post management actions, the projections under these stress scenarios show that the Group and Bank will be able to operate at adequate levels of both capital and liquidity,which are inexcess of the Group's minimum requirements, and will meet its future obligations for at least 12 months from the signing of these financial statements.","After reviewing projections and making extensive enquiries, the Directorsare satisfied that the Group and Bank have adequate capital,liquidity and other resources to continue forat least 12 months from the signing of these financial statements and has adequate capital and liquidity resources to meet its minimum regulatory requirements as prescribed by the PRA. Consequently, the going concern basis of accounting has been adopted to prepare these financial statements."]
[null,"Disclosure of Information to the Auditor"]
[null,"The Directors who held office at the date of approval of this Directors' Report confirm that, so far as they are each aware,there is no relevant audit information of which the Group's auditor is unaware and each Director has taken all the steps that heor she oughtto have taken as a Director to make himself or herself aware ofany relevant information and to establish that the Group's auditor is aware of that information. This confirmation is given and should"]
[null,"be interpreted in accordance with the provisions of the Companies Act. Buy orderof the Board"]
[null,"Anne Chief Boden Executive Officer ste= Starling Bank Limited"]
[null,"Company number 09092149 25 May 2023"]

{"sheet":"page_number54-table18","index":19,"n_rows":9,"n_cols":4,"rows_kept":9,"cut":false,"hidden":false,"merged":[[5,3,6,3],[8,1,8,2],[5,1,5,2],[3,1,3,2],[0,1,2,2]]}
["Thespecific roles of the Board anditssub- \" as . s","Committee ExecutiveCommittee(EXCO)",null,"Risk Focus"]
["committees aredetailed in the Directors'",null,null,"- or - - : T PT :"]
["Report.The table belowsummariseskey risk responsibilities discharged by the EXCO and its principal sub-committees:",null,null,"- Implementing strategic direction and devising the associated business plans in line with the agreedrisk appetite set by the Board: -- Making key business decisions in line with agreed risk appetite; -- Ensuring thatall regulatory obtigations are met; and - Overseeing the establishment and maintenance of appropriate risk management processes in line with the Board-approved ERMF."]
[".","Executive Risk Committee (ERC)",null,"-- Leading the detailed implementation of the ERMF; -- Supporting the developmentof the risk strategy, ERMF and Risk Appetite Framework and policies, recommending them to the BRC for review, challenge and onward escalation to the Board for approval; -- Reviewing creditrisk related information covering both customers and wholesale"]
[null,null,null,"counterparties and recommending to BRC the Bank's assessments of economic inputs and probabilities for use in impairment modelling and amountof impairment charge to be included in financial statements; - Monitoring the Bank's risk profile against agreed risk appetite limits and tolerances and reporting on these to the BRC; -- Making recommendations forrisk appetite tolerance levels and limits including resolution of critical risks and issues arising at sub-committees; - Reviewing operational resilience information and making recommendations to the BRC; and -- Reviewing conduct and compliance matters and making recommendations to the BRC."]
[null,"Asset and Liability Committee",null,"-- Overseeing the overall balance sheet managementof the Bank; - Oversight ofliquidity and funding risk,interestrate risk, FX risk and capital adequacy risk within the parameters set by the Board;"]
[null,"(ALCO)","."]
[null,null,null,"~ Reviewing and recommending to the Board the Bank's ILAAP and Liquidity Contingency Plan, the Bank's ICAAP, Recovery Plan and Resolvability Assessment Framework, along with associated stress testing; and - Reviewing relevant policies and monitoring compliance with the policies."]
[null,"Pricing Committee (PC)",null,"- Setting all customerrelated pricing for the Bank, including credit and debit interest levels, as well as any otherfees, charges or benefits that have a customer impact; - Considering the impact of pricing on commercial performance,including customer numbers, balances,facility utilisation, customer behaviours and margins; -- Reviewing risk-based pricing proposals; and - Reviewing all competitor pricing, including price-related marketing activity."]

{"sheet":"page_number55-table19","index":20,"n_rows":11,"n_cols":2,"rows_kept":11,"cut":false,"hidden":false,"merged":[[7,0,8,0]]}
["Committee","Risk Focus"]
["Finance Committee (FC)","- Reviewing regulatory and financial reporting judgments and interpretations being applied and the impact of new regulations and accounting standards; ~- Reviewing monthly management accounts and accounting papers; - Reviewing new and existing accounting policies, new disclosures and critical estimates and judgements on at least an annual basis; Overseeing finance projects and monitoring the finance internal control framework over"]
[null,"financial reporting; and ."]
[null,"Reviewing the accounting and regulatory impact of new transactions and other events."]
["Credit Risk Committee (CRC)","- Recommending to the ERC the Bank's Credit Risk Framework and Credit Risk Policy; Monitoring the Bank's lending portfolio against credit risk appetite;"]
[null,"Ensuring that the Bank has sufficient capacity and capability,supported by management information,to deliver against the Bank's lending strategy; Reviewing key credit risk models, proceduresandassociatedcontrols;"]
[null,"Considering findings from both second and third line assurance activity, and monitoring management responses; and Providing oversight of key credit risk projects within the business."]
["Financial Crime Steering Committee {FCSC)","- Raising and debating key financial crimerisks that exist or that are emerging within the business;"]
[null,"~- Recommendingtothe ERCthe Bank's Financial Crime Frameworkand policies;"]
[null,"- Considering any potential weaknesses or shortcomings in process, procedures and controls that could accentuaterisk; - Reviewing strategy and growth plansthat could have a downstream impact on financial crime and how it is managed; - Reviewing the key learnings from any major financial crime incidents or operational events and discussing potential mitigation; and - Considering any new regulatory developmentsor intelligence and any proposed consequentialchanges."]
["ImpairmentCommittee(IC)","- Monitoring the impairment profile ofthe Bank; -- Recommending to the ERC the Bank's impairment charge; - Overseeing the implementation of the IFRS 9 Provisioning Policy delivered by the business and ensuring expected credit loss methodologies and assessments are compliant with IFRS 9; Considering findings from both 2LoD and 3LoD assurance activity, and monitoring management responses as appropriate; Formally approving impairment mode! developments and material changes,including review of independent validation and any modellimitations; and Reviewing impairment model performance at least annually."]

{"sheet":"page_number56-table20","index":21,"n_rows":5,"n_cols":2,"rows_kept":5,"cut":false,"hidden":false,"merged":[]}
["Committee","Risk Focus"]
["Operational Risk Committee (ORC)","- Evaluating and reporting to the ERC on the Bank's operationalrisk profile and operationalrisk monitoring; -- Reviewing the volume and profile of incidents,operational events and operationalrisk losses; ~ Reviewing current and future operational risk exposures relative to risk appetite; -- Receiving and reviewing relevant reports that are provided tothe Board, including,where relevant, FCA/ PRA letters on theirassessment of operational risks; and - Implementation ofthe Bank's Operational Resilience Strategy. - The ORC is supported by two sub-committees focusing on Cyber & Information Security and Health & Safety."]
["Product and Conduct Committee {PCC)","- Managing the risks and issues associated with products, services and customers,including compliance with Consumer Duty regulations; - Evaluating and reporting to the ERC the Bank's conduct and compliance risk profile and operational monitoring; - Ensuring that Starling creates and maintains a sustainable customer offering; - Ensuring that customer engagementis in line with the Bank's customer-centric focus and associated risk appetite; - Overseeing the completionof product, post implementation and revenue reviews and the"]
[null,"review of conduct risk outcomes; : - Protecting and developing customer experience; - Reviewing and learning from compfaints; - Approving new products; and - Overseeing external market and competitor activity to ensure that products remain suitable."]
["Wholesale Credit Risk Committee (WCRC)","- Recommending to the ERC the Bank's Wholesale Credit Risk Framework and Wholesale Credit Risk Policy; -- Monitoring the Bank's exposures against the Wholesale Credit Risk Policy and risk appetite; - Setting counterparty and concentration limits in line with approved methodology: - Reviewing and approving the models and underlying methodology used by the Treasury function to determine internal credit ratings and counterparty limits; and - Reviewing the current and considering the possible future exposures to market counterparties with reference to the regulations and limits for each counterparty."]

{"sheet":"page_number61-table21","index":22,"n_rows":10,"n_cols":6,"rows_kept":10,"cut":false,"hidden":false,"merged":[[0,5,1,5],[0,4,1,4],[0,3,1,3]]}
[null,null,"Group","Group 31 March 2022 £'000","Company 31 March 2023 £'000","Company 31 March 2022 £'000"]
[null,null,"31 March 2023 £'000"]
["Loans and Advances to Banks",null,"6,109,704","607.281","6105435","6103170"]
["DebtSecurities","-","2,518,240","2,330,261","2,518,240","2,330,261"]
["Loans and Advancesto Customers",null,"4.873633","331,679","4873633","331679"]
["Derivative Assets",null,"22.774","98,056","221,774","98056"]
["Undrawn Facilites and Commitments",null,"225888","321932","225888","321932"]
["Exposure toCredit Risk",null,"13,949,239","12,069,209","13,944,970","12,165,098"]
["UKGovernmentGuarantee'",null,"1,280,371)","(1.900.652)","(1.280.371)","(1.900652)"]
["Exposure AfterGuarantee",null,"12,668,868","10,268,557","12,664,599","10,264,446"]

{"sheet":"page_number62-table22","index":23,"n_rows":23,"n_cols":10,"rows_kept":23,"cut":false,"hidden":false,"merged":[[0,9,1,9],[0,8,1,8],[0,1,1,2],[0,0,1,0]]}
["31March2023 CreditQuality(Audited)","ExposuretoCredit Risk £'000",null,"UK","Pp","After","pai P",null,"Net Exp £'000","%of Total"]
[null,null,null,"£'000",null,"£000","£000"]
["LoansandAdvancestoBanks'"]
["Loans and Advances to Banks-AA",null,"6,076,461","-",null,"6,076,461","-",null,"6,076,461","481%"]
["Loans and Advancesto Banks-A","~","33.243","-",null,"33,243","-",null,"33,243","0.3%"]
["Debt Securities'"]
["Debt Securities-AAA",null,"2,500,217","-",null,"2,500,217","-",null,"2,500,217","19.8%"]
["Debt Securities-AA?",null,"18,023","-",null,"18,023","-",null,"18,023","01%"]
["DerivativeAssets' DerivativeAssets-AA-",null,"221774","-",null,"221.774","-",null,"221774","18%"]
["Mortgages?"]
["Low Risk {Stage 1)",null,"3,228,301","-",null,"3,228301","{4,275)",null,"3,224,026","255%"]
["Medium Risk (Stage 2)",null,"121.395","-",null,"121,395","(879)",null,"120,516","10%"]
["HigherRisk {Stage 3)",null,"87093","-",null,"87093","(2699)",".","84,394","07%"]
["SME Lending?"]
["Low Risk (Stage 1)",null,"972,866","(881,076)",null,"91790","{5,046)",null,"86,744","07%"]
["Medium Risk (Stage 2)",null,"197000","(176,203)",null,"20797","(4.380)",null,"16.417","01%"]
["Higher Risk {Stage3)",null,"234,439","(223,092)",null,"1.347","(10,755)",null,"592","-%"]
["Retail Lending?"]
["Low Risk (Stage 1)",null,"25530","-",null,"25530","(1.091)",null,"24,439","0.2%"]
["Medium Risk (Stage 2)",null,"1746","-",null,"1,746","(478)",null,"1,268","-%"]
["Higher Risk (Stage 3)",null,"5,267","-",null,"5,267","(4927)",null,"340","-%"]
["Undrawn FacilitiesandCommitments",null,"225888","-",null,"225888","(1,092)",null,"224,796","1.8%"]
["Total",null,"13,949,243","(1,280,371)",null,"12,668,872","(35,622)",null,"12,633,250","100%"]

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["31 March 2022 Credit Quality(Audited)","Exposure toCredit Risk £'000","UK GovernmentGuarantee £000",null,"ExposureAfterGuarantee £000","tmpairment Provision £000","Net Exposure £000","% of Total"]
["Loansand Advancesto Banks'"]
["Loans and Advances to Banks-AA","6.053123",null,"-","6053123","-","6,053123","591%"]
["Loans and Advances to Banks-A","54158",null,"-","54,58","-","54158","0.5%"]
["Debt Securities!",null,null,null,"R"]
["Debt Securities-AAA","2,209:88",null,"-","2,209188","-","2209188","016%"]
["Debt Securities-AA","121,073",null,"-","121,073","-","121,073","1.2%"]
["DerivativeAssets'"]
["Derivative Assets-A","98,056",null,"-","98,056","-","98,056","1.0%"]
["Mortgages?"]
["Low Risk (Stage 1}","1142199",null,"-","1142199","(524)","1141675","ni%"]
["Medium Risk (Stage 2)","26124",null,"-","26124","(76)","26,048","03%"]
["HigherRisk(Stage3}","47564",".","'=","47564","{2621}","44,943","04%"]
["SME Lending?",null,null,null,null,"."]
["Low Risk (Stage 1)","1,468,051","(1.336352)",null,"131.699","(10420)","121,279","1.2%"]
["Medium Risk (Stage 2)","286,636","(272,210)",null,"14.426","(2,537)","1,889","01%"]
["Higher Risk (Stage 3)","296,074","(292,090)",null,"3984","(3.778)","206","-%"]
["Retail Lending?"]
["Low Risk (Stage1}","37707",null,"-","37707","(1.489)","36.218","0.4%"]
["Medium Risk {Stage 2)","2912",null,"-","2912","(1.030)","1.882",".=%"]
["HigherRisk (Stage3)","4412",null,"-","4,412","(3.374)","1,038","-%"]
["Undrawn Facllities and Commitments","321,932",".","-","321,932","(1,224)","320,708","33%"]
["Total","12,169,209","(1,900,652)",null,"10,268,557","(27073)","10,241,484","100%"]

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["Portfolio","SICRCriteria"]
["Mortgages","~ 1+ MIA ~ Term expired by less than 3 months"]
["SME~-Third Party CBILS","~ 10+ days in arrears ~ Forbearance ~ 100% increase in PD since origination based on bureau score"]
["SME-Third Party RLS","~ 10+ days in arrears ~ Forbearance ~ 100% increase in PD since origination based on bureau score"]
["SME- Organic CBILS and RLS","~ 15+ daysin arrears ~ Indication offinancial distress assessed by a close monitoring watchlist"]
["Retail ~ Overdrafts and Term Loans","~ 100% increase in PD sinceorigination based on bureau score ~ Potential financialdifficulty trigger(retail overdrafts only) ~ Forbearance ~ 1+ MIA or 30 DPD"]

{"sheet":"page_number70-table25","index":26,"n_rows":31,"n_cols":7,"rows_kept":31,"cut":false,"hidden":false,"merged":[]}
["Asat31 March 2023",null,"Stage1 £'000",null,"Stage2 £'000","Stage3' £'000","Total £'000"]
["Mortgage Lending'",null,"3.228301",null,"121,395","87093","3,436,789"]
["Mortgage Pipeline(Undrawn)",null,"146,872",null,"-","-","146,872"]
["SME Lending After UK Government Guarantee",null,"91786",null,"20,797","1.347","123,930"]
["SME Lending",null,"972,862",null,"197000","234439","oa"]
["OfwhichSubjecttoUKGovernmentGuarantee",null,"(881,076)",null,"(176,203)","(223,092)","(1,280,371)"]
["SME Overdraft Facilities (Undrawn)",":","5.284",null,"-","-","5,284"]
["Retall Lending",null,"25,530",null,"1746","5267","32,543"]
["Retail Overdraft Facilities {Undrawn)",null,"73.565",null,"167","-","73.732"]
["Exposure After Guarantee",null,"3,571,338",null,"144,105","103,707","3,819,150"]
["Of which On Balance Sheet",null,"3.345617",null,"143938","103,707","3,593,262"]
["Of which Off Balance Sheet",null,"225721",null,"167","-","225888"]
["Mortgage Lending",null,"4,275",null,"879","2,699","7853"]
["Mortgage Pipeline (Undrawn)",null,"177",null,"-","-","177"]
["SME Lending",null,"5046",null,"4,380","10.755","20181"]
["SME Overdraft Facilities(Undrawn)",":","41",null,"-","-","4"]
["Retall Lending",null,"1091",null,"478","4927","6.496"]
["Retall Overdraft Facilities (Undrawn)",null,"832",null,"42","-","874"]
["Impairment Provision",null,"11,462",null,"5,779","18,381","35,622"]
["Of which On Balance Sheet",null,"10412",null,"5737","18,381","34,530"]
["Of which Off Balance Sheet",null,"1,050",null,"42","-","1092"]
["Mortgage Lending",null,"3,224,026",null,"120,516","84,394","3428936"]
["Mortgage Pipeline (Undrawn)",null,"146,695",null,"-","-","146,695"]
["SME Lending",null,"86,740",null,"16.417","592","103,749"]
["SME Overdraft Facilities(Undrawn)",null,"5243",null,"-","-","5,243"]
["Retall Lending",null,"24439",null,"1,268","340","26,047"]
["Retall Overdraft Facilities (Undrawn)",null,"72733","5","125","-","72.858"]
["Net Exposure",null,"3,559,876",null,"138,326","85,326","3,783,528"]
["Of which On Balance Sheet",null,"3,335,205",null,"-138,201","85,326","3,558,732"]
["Of which Off Balance Sheet",null,"22467",null,"125","'=","224,796"]
["%Coverage",null,"0.3%",null,"4.0%","177%","0.9%"]

{"sheet":"page_number71-table26","index":27,"n_rows":31,"n_cols":5,"rows_kept":31,"cut":false,"hidden":false,"merged":[]}
["As at31 March 2022","Stage1 £'000","Stage2 £000","Stage3' £'000","Total £'000"]
["Mortgage Lending'","1142199","26124","47564","1,215,887"]
["Mortgage Pipeline {Undrawn)","252666","-","-","252,666"]
["SME Lending After UK GovernmentGuarantee","131.699","14,426","3984","150109"]
["SME Lending","468,051","286,636","296,074","Ae"]
["OfwhichSubjecttoUKGovernmentGuarantee","1,336,352)","(272,210)","(292,090)","(1,800,652"]
["SME Overdraft Facilities(Undrawn)","1,868","-","-","1868"]
["Retail Lending","37707","2912","4412","45031"]
["Retall Overdraft Facllities (Undrawn)","67279","19","-","67398"]
["Exposure After Guarantee","1,633,418","43,581","55,960","1,732,959"]
["Of which On Balance Sheet","1,311,605","43462","55960","141,027"]
["Of which Otf Balance Sheet","321813","19","-","3219832"]
["Mortgage Lending","524","76","2,621","3221"]
["Mortgage Pipeline(Undrawn)","154","-","-","154"]
["SME Lending","10,420","2,537","3778","16,735"]
["SME Overdraft Facilities(Undrawn)","27","-","-","27"]
["Retall Lending","1,489","1030","3373","5,892"]
["Retall Overdraft Facilities (Undrawn)","1,023","20","-","1043"]
["impairment Provision","13,637","3,663","9,772","27072"]
["Of which On Balance Sheet","12433","3643","9,772","25848"]
["Ofwhich Off Balance Sheet","1,204","20","-","1224"]
["Mortgage Lending","1141675","26,048","44943","1.212666"]
["Mortgage Pipeline (Undrawn)","252,512","-","-","252,512"]
["SME Lending","121,279","1,889","206","133.374"]
["SME Overdraft Facilities(Undrawn)","1,841","-","-","1,841"]
["Retall Lending","36,218","1.882","1,039","39139"]
["Retall Overdraft Facilities (Undrawn)","66,256","99","-","66.355"]
["Net Exposure","1,619,781","39,918","46,188","1,705,887"]
["Ot which On Balance Sheet","1,289,172","39819","46,188","1385179"]
["Of which Otf Balance Sheet","320,609","99","-","320,708"]
["%Coverage","0.8%","8.4%","17.5%","1.6%"]

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["Lending","31 March 2023",null,"31 March2022\""]
["{Audited)","#","£'000","#","£'000"]
["BBLS","50,639","943,530","55,028","1415058"]
["CBILS","2,899","322779","3,857","498,051"]
["RLS","1,795","136,529","1495","137381"]
["Government Lending Schemes","55,333","1,402,838","60,380","2,050480"]

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[null,null,"Exposure"]
[null,null,"Stage1 £000","Stage2 £'000","Stage 3 £000","Total £'000"]
["BBLSas at 31 March 2022 (Represented)",null,"917407","214,542","283109","1,415,058"]
["Changesin Credit Risk",null,"(186,300)","(87.279)","273579","-"]
["Claims Paid by HM Treasury",null,"-","-","(343927)","(343927)"]
["Repayments",":","(112,786)","(13198)","(1.617)","(127601)"]
["BBLS as at 31 March 2023",null,"618,321","114,065","21144","943,530"]

{"sheet":"page_number74-table29","index":30,"n_rows":21,"n_cols":9,"rows_kept":21,"cut":false,"hidden":false,"merged":[]}
["SME £000","Retail £000","Total £000","31 March2022","Mortgage £'000","SME £'000","Retail £000","Total £'000"]
["97070","89085","3,571,338","Loans and AdvancestoCustomers Stage 1","1.384,865","133,567","104,986","1633418","-"]
["20,797","1913","144,105","Stage 2","26)24","14,426","3,031","43,581"]
["19.570","1479","77368","Stage2- Not Past Due","1504","13770","1932","17.206"]
["1227","434","66,737","Stage 2->30 DPD","24,620","656","1,099","26375"]
["1.347","5,267","103,707","Stage 3'","47564","3984","4,412","55960"]
["129,204","106,275","3.819150","ExposureAfterGuarantee","1,468,553","151,977","12,429","1,732,959"]
[null,null,null,"Impairment Provision"]
["5,087","1923","1.462","Stage 1","678","10,447","2512","13,637"]
["4380","520","S779","Stage 2","76","2,537","1050","3663"]
["3523","431","4136","Stage 2-Not Past Due","2","2005","458","2465"]
["857","89","1643","Stage 2->30 DPD","74","532","592","1198"]
["10,755","4927","18,381","Stage 3'","2621","3778","3373","9772"]
["20,222","7370","35,622","Total Impairment Provision","3,375","16,762","6,935","27072"]
[null,null,null,"Coverage:"]
["52%","19%","03%","Stage1","~%","78%","24%","08%"]
["211%","272%","40%","Stage 2","03%","176%","346%","84%"]
["18.0%","291%","53%","Stage 2-Not Past Due","01%","14.6%","237%","14.3%"]
["69.8%","205%","2.5%","Stage 2->=30 DPD","03%","811%","53.9%","45%"]
["94.8%","935%","177%","Stage 3","5.5%","94.8%","76.5%","175%"]
["157%","6.9%","09%","Coverage Ratio","0.2%","1%","6.2%","1.6%"]

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[null,null,"31 March2023",null,null,null,"*","31 March 2022"]
[null,null,"Exposure After £'000","Impairment",null,"Impairment",null,"Exposure After £'000","Impairment",null,"Impairment"]
["Stage2 Analysis:",null,null,"'","£'000","'","%",null,"'","£'000","\"","%"]
["Drawn Facilities:"]
["Over 30DPD",null,"66,777",null,"2052",null,"31%","25644",null,"1680",null,"6.6%"]
["In Forbearance",null,"23,028",null,"441",null,"19%","4796",null,"226",null,"47%"]
["IncreaseIn PD Since Origination",null,"54133",null,"3,244",null,"60%","13022",null,"1737",null,"13.3%"]
["Total Drawn Facilities",null,"143,938",null,"5737",null,"4.0%","43,462",null,"3,643",null,"8.4%"]
["Undrawn Facilities:"]
["In Forbearance",null,"15",null,"4",null,"267%","-",null,"-",null,"-%"]
["Increase in PD Since Origination",".","152",null,"38",null,"250%","19",null,"20",null,"16.8%"]
["Total Undrawn Facilities",null,"167",null,"42",null,"254%","19",null,"20",null,"16.8%"]
["Total Facilities",null,"144,105",null,"5,779",null,"4.0%","43,581",null,"3,663",null,"8.4%"]

{"sheet":"page_number76-table31","index":32,"n_rows":20,"n_cols":6,"rows_kept":20,"cut":false,"hidden":false,"merged":[]}
["31 March 2023","Total £'000","Total %","31 March2022","Total £'000","Total %"]
["Mortgage:",null,null,"Mortgage:"]
["Buy-to-let","2,216,040","435%","Buy-to-tet","405,694","1.2%"]
["Owner Occupied","1,367621","26.8%","OwnerOccupied","1,062,860","29.3%"]
["SME:",null,null,"SME:"]
["Agriculture and Energy","13687","03%","Agriculture and Energy","25021","0.7%"]
["Manufacturing","12319","24%","Manufacturing","151,442","4.2%"]
["Construction","199167","39%","Construction","254995","70%"]
["Wholesale and Retail Trade","200645","39%","Wholesale and Retall Trade","332478","9.0%"]
["Transportation and Storage","62773","1.2%","Transportation and Storage","92,035","25%"]
["Accommodation and Food Service Activities","101713","20%","Accommodation and Food Service Activities","108,598","3.0%"]
["Information and Communication","134983","26%","Information and Communication","202,867","56%"]
["Real Estate Activities","69,600","14%","Real Estate Activities","86.939","24%"]
["Professional, Scientific and Technical Activities","159,925","31%","Professional, Scientific and Technical Activities","277148","76%"]
["Administrative and SupportService Activities","150,602","30%","Administrativeand Support ServiceActivities","220756","6.1%"]
["Education, Human Health and Social Work","82,608","16%","Education, Human Health and Social Work","108.182","30%"]
["Other Service Activities","10,763","2.2%","Other Service Activities","192167","53%"]
["Retail:",null,null,"Retail:"]
["Households","106,275","21%","Households","112429","31%"]
["Exposure Before Impairment Provision and UK GovernmentGuarantee","5,099,521","100%","Exposure Before Impairment Provision and UK Government Guarantee","363361","100%"]

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["0.5%-<0.75%",null,"136,843","393","-","137.236","189","-","~","189"]
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[null,"Stage1 £000","Stage2 £'000","Stage3° £°000","Total £'000","Stage1 £°000","Stage2 £'000","Stage3V £000","Total £°000"]
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["To Stage 2","83141)","88712","(5571)","-","(22)","393","37)","-"]
["To Stage 3","(26,142)","(8.857)","34999","-","(8)","(19)","27","'="]
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[null,"Stage £000","Stage2 £000","Stage3 £'000","Total £'000","Stage1 £'000","Stage 2 £'000","Stage3 £000","Total £'000"]
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["To Stage 3","(1130)","(815)","1945","'=","(596)","(542)","1138","-"]
["Asat 31 March 2022","37707","2912","4412","45031","1,489","1,030","3373","5892"]
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[null,"LoansSubjectto Forbearance"]
[null,"No.of Loans","Exposure Guarantee £'000","%of Portfolio","Impairment A","co","5"]
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[null,"Loans Subjectto Forbearance"]
["31 March 2022","No.of Loans","Exposure After Guarantee £000","%of Portfolio","Impairment Allowance £'000","Coverage as%"]
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["Temporary Arrangements","-","-","-%","-","-%"]
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["FeymentHolday","106","83","oon","2","280"]
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["MortgageLTV 3!March2022","Stage £000","Stage2 £000","Stage3 £000","Total £'000","Total as%"]
["Lessthan 50%","331644","\"807","24383","367834","303%"]
["50% 060%","170,227","7908","10733","188.868","155%"]
["80%w070%","168037","5498","10054","183589","151%"]
["/0%1080%","279.14","645","1667","281526","232%"]
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[". Mortgage LTV 31 March2023","Owner Occupied' £000","Buy-to-let £000","Total £000","Total as%"]
["Lessthan 50%","430045","88888","518933","1Ba%"]
["50% to 60%","230797","174480","414.286","121%"]
["60% to 70%","262019","672099","934118","272%"]
["70% to 80%","242040","1108902","1350942","393%"]
["80%to 90%","192492","24790","217282","63y"]
["90%to100%","1.228","_","1228","-%"]

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["MortgageLTV",null,"Stage1 £000","Stage2 £'000","Stage3 £000","Total £'000","Total as %"]
["31 March2023"]
["Lessthan 50%",null,"430943","55401","32589","518933","151%"]
["50% to 60%",null,"372206","23518 +","18562","414.286","121%"]
["60% t0 70%",null,"891657","23562","18899","93418","272%"]
["70%to 80%",null,"1323188","15915","1,839","1350942","393%"]
["80% t0 90%",null,"209079","2999","5204","217282","63%"]
["90% t0 100%",":","1228","-","-","1228","_y"]
["Total Mortgage Lending Before ImpairmentProvision",null,"3,228,301","121,395","87,093","3,436,789","100.0%"]

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["MortgageLTV","Owner Occupied £000","Buy-to-let £000","Tota! £000","Total as%"]
["March 2022"]
["Lessthan50%","360978","6856","367834","303%"]
["S0%t060%","172830","16038","188.868","15.5%"]
["OO%W070%","142729","40861","183590","151%"]
["[0%w080%","10414","774m","261525","232%"]
["80%to90%","177252","1,861","17913","147%"]

{"sheet":"page_number91-table50","index":51,"n_rows":7,"n_cols":3,"rows_kept":7,"cut":false,"hidden":false,"merged":[]}
["1990189 | 1367621 Interest Only Maturity Profile","March £'000","SIMarey £'000"]
["453566 | TermExpired","18404","16041"]
["<=1lyear","7570","7495"]
["3,436,789 1to Syears","82,000","772486"]
["2443755| 51015years","545,591","357462"]
[">15 years","1792190","168,407"]
["Interest Only","2,443,755","626,651"]

{"sheet":"page_number91-table51","index":52,"n_rows":8,"n_cols":6,"rows_kept":8,"cut":false,"hidden":false,"merged":[[5,1,5,2]]}
[". 31 March 2022",null,"Stage 1 £000","Stage 2 £000","Stage 3 £000","Tota! £000"]
["Mortgage Lending:"]
["929 9"]
["Buy-to-let",null,"243,028","'=","-","243028"]
["Of which Interest Only",null,"181854","-","-","181.854 ]"]
["Owner Occupied OfwhichInterest Only","89971 | 380432",null,"26524 18636","47564 36729","972.859 444797 |"]
["Total Mortgage Lending",null,"1,142,199","26,124","47564","1,215,887"]
["Ofwhich Interest Only","|","s7m286","18636","36729","62665 |"]

{"sheet":"page_number93-table52","index":53,"n_rows":7,"n_cols":4,"rows_kept":7,"cut":false,"hidden":false,"merged":[[0,1,0,2]]}
[null,"31 March 2022"]
[null,"AAA","AA","Total"]
["Gilts","328.207","1895","330192"]
["Sub-sovereign, Supranationaland Agency Bonds","1,255,801","19,177","1374978"]
["Covered Bonds","613,429","-","613,429"]
["Residential Mortgage-Backed Securities","1,662","-","1.662"]
["Total Debt Securities","2,209,189","121,072","2,330,261"]

{"sheet":"page_number93-table53","index":54,"n_rows":4,"n_cols":5,"rows_kept":4,"cut":false,"hidden":false,"merged":[]}
["Group 31 March 2022","As Reported £000","Netti Agreements £000","Cola £'000","AorNoting £000"]
["Derivative Assets","98,056","(330)","(81,380)","16,346"]
["Derivative Liabilities","(330)","330","-","-"]
["Amounts Subjectto Netting","97726","-","(81,380)","16,346"]

{"sheet":"page_number93-table54","index":55,"n_rows":7,"n_cols":4,"rows_kept":7,"cut":false,"hidden":false,"merged":[]}
[null,"AAA","31 March2023 A","Total"]
["-"]
["Gilts'","-","202853","202653"]
["Sub-soverelgn, Supranational and Agency Bonds","1325927","16146","1,342,073"]
["Covered Bonds","925473","-","925473"]
["Residential Mortgage-Backed Securlties","48041","-","48041"]
["Total Debt Securities","2.299441","218799","2518240"]

{"sheet":"page_number93-table55","index":56,"n_rows":7,"n_cols":5,"rows_kept":7,"cut":false,"hidden":false,"merged":[[1,4,2,4],[0,3,2,3],[0,2,2,2],[1,1,2,1]]}
[null,null,"Netti letting Agreements £'000","Cosh as! Collateral' £000","N"]
["Group","As Reported '000",null,null,"letamounts After Netting £000"]
["3) March 2023"]
["Derivative Assets","221.774","(54107)","(169,561)","(1,894)"]
["Derivative Liabilities","(55452)","54107","-","(1.345)"]
["Amounts Subject to Netting","166,322","-","169,561)","(3,239)"]
["N","-","\"","©"]

{"sheet":"page_number95-table56","index":57,"n_rows":7,"n_cols":3,"rows_kept":7,"cut":false,"hidden":false,"merged":[]}
["Group/ Company (Unaudited)","31March 2023 £'000","31March 2022 £000"]
["Balances with BoE","5526888","5656779"]
["Gllts","5177","228,674"]
["Sub-sovereign, Supranational and Agency Bonds","163,810","136968"]
["Covered Bonds","479665","506166"]
["Residential Mortgage-Backed Securities","36,222","8777"]
["Total HOLA","6.258356","6,537,364"]

{"sheet":"page_number95-table57","index":58,"n_rows":7,"n_cols":7,"rows_kept":7,"cut":false,"hidden":false,"merged":[[0,5,0,6],[0,3,0,4],[6,2,6,5],[0,1,0,2]]}
[null,"Encumbered",null,"Unencumbered",null,"Total"]
[null,"31 March 2023 £'000","31 March 2022 £'000","31 March 2023 £000","31 March 2022 £'000","31 March 2023 £'000","31 March 2022 £'000"]
["Debt Securities","1,635,292","1359777","844,258","947109","2479550","2,306.886"]
["Loansand Advances to Banks","389,005","324170","5720699","57831M","6109704","607.281"]
["Loansand Advances to Customers'","706,769","1085700","4025228","2148973","4731997","3,234,673"]
["Other Assets","37127","36979","34,724","29,656","71,851","66,635"]
["Total","2,768,193","2,806,626 10,624,809 8,908,848 13,393102",null,null,null,"11,715,475"]

{"sheet":"page_number95-table58","index":59,"n_rows":10,"n_cols":5,"rows_kept":10,"cut":false,"hidden":false,"merged":[[0,3,0,4],[0,1,0,2]]}
[null,"31 March 2023",null,"31 March2022"]
[null,"£000","%","£'000","%"]
["SME Deposits","5987977","467%","5001484","44.2%"]
["Retall Deposits","4395297","343%","3907633","346%"]
["Payment Services","85955","07%","118,296","10%"]
["Fixed Term Deposits","82,591","06%","-","-%"]
["Total Customer Deposits","10,551,820","823%","9.027413","79.8%"]
["Bank of England","2,220,870","173%","2202441","19.5%"]
["Deposits from other Banks","53,436","04%","81,380","0.7%"]
["Total Funding","12,826,126","100.0%","11,311,234","100.0%"]

{"sheet":"page_number95-table59","index":60,"n_rows":5,"n_cols":3,"rows_kept":5,"cut":false,"hidden":false,"merged":[]}
["Liquidity Coverage Ratio (Unaudited)","31 March 2023 £'000","31 March 2022 £000"]
["Eligible Liquidity Buffer","6,258,356","6,537,364"]
["Net Stress Qutflows","(1,429,049)","(1,275,283)"]
["Surplus","4,829,307","5,262,081"]
["LiquidityCoverage Ratio","438%","513%"]

{"sheet":"page_number96-table60","index":61,"n_rows":19,"n_cols":9,"rows_kept":19,"cut":false,"hidden":false,"merged":[]}
["31 March 2023","On Demand £000","he £000","months £000","1-3years £'000","3-Syears £000","Over5years £000","Undated £'000","Total £'000"]
["Loans and Advancesto Banks","6,109,704","-","-","-","-","-","-","6109704"]
["Debt Securities","-","33316","388.863","877761","731,239","148,57","-","2479550"]
["Loans and Advancesto Customers","3500","19.824","10.645","26301","653432","3749985","-","4,731,997"]
["Derivative Assets","-","7496","258615","92,331","79,889","16,443","-","221774"]
["Interest Rate Swaps","-","739","25615","92,331","79,889","16,443","-","221,669"]
["FXSwaps","-","105","-","-","-","-","-","105"]
["Total Financia! Assets","6,144,804","360,436","425123","123303","1,464,560","3,914,999","-","13,543,025"]
["Other Assets","-","3629","5359","13.769","2657","-","143056","168,470"]
["Total Assets","6,144,804","364,065","430,482","1,246,872","1467217","3,914,999","143,056","13,711,495"]
["Customer Deposits","10,469,067","-","82753","-","-","-","-","10,551,820"]
["Deposits from Banks","53.436","20,870","-","650,000","1,550,000","-","~","2274306"]
["Derivative Liabilities","-","1450","507","8484","38,508","6,503","-","55452"]
["Interest Rate Swaps","-","-","507","8484","38,508","6,503","-","54,002"]
["FX Swaps","-","1450","-","-","-","-","-","1450"]
["Total Financial Liabilities","10,522,503","22,320","83,260","658,484","1,588,508","6,503","-","12,881,578"]
["OtherLiabilities","1,092","48477","6,897","19,995","13923","9,259","21642","121,285"]
["Lease Liability","-","833","1673","4777","4.217","1.855","-","13,355"]
["Total Liabilities","10,523,595","71,630","91,830","683,256","1,606,648","17617","21642","13,016,218"]

{"sheet":"page_number97-table61","index":62,"n_rows":19,"n_cols":9,"rows_kept":19,"cut":false,"hidden":false,"merged":[]}
["31March 2022","On Demand £'000","Upto3 months £'000","3-12 months £'000","1-3years £'000","3-S5years £000","Over5 years £'000","Undated £'000","Total £000"]
["Loans and Advancesto Banks","6107281","-","-","-","-","-","-","6,107.281"]
["Debt Securities","-","150,181","601,203","873744","679.925","1.823","~","2306886"]
["Loans and Advancesto Customers","14,001","34,576","12125","10818","1,376,747","1,689,106","-","3,234,673"]
["Derivative Assets","-","1437","5235","38,861","-","52,523","-","98,056"]
["Interest Rate Swaps","-","630","5,235","38,861","-","52,523","-","97.249"]
["FX Swaps","-","807","-","-","-","-","-","807"]
["Total FinancialAssets","6,121,282","186,204","618,563","1,020,723","2,056,672","1,743,452","-","11,746,896"]
["Uther Assets","-","3427","1.233","21985","1","3,951","128,028","158,625"]
["Total Assets","6,121,282","189,631","619,796","1,042,708","2,056,673","1747403","128,028","11,905,521"]
["Customer Deposits","9,027,413","-","-","-","-","-","-","9,027,413"]
["Deposits from Banks","81,380","2441","-","-","2,200,000","-","-","2,283,821"]
["Derivative Liabilities","-","276","5","25","-","24","-","330"]
["interest Rate Swaps","-","-","5","25","-","24","-","54"]
["FX Swaps","-","276","-","-","-","-","-","276"]
["Total Financial Liabilities","908,793","2,17","5","25","2,200,000","24","-","1,311,564"]
["OtherLiabilities","-","92,597","1942","6,249","3159","3.850","51878","159.775"]
["Lease Liability","-","312","87Nn","1671","443","461","~","3758"]
["TotalLiabilities","9,108,793","95,626","2,818","7945","2,203,602","4,435","51,878","11,475,097"]

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["31 March 2022","On Demand £'000","Upto3 months £000","3-12 months £'000","1-3years £000","3-5years £000","Over5 years £'000","Total £'000"]
["Undiscounted Contractual Cashflows"]
["Deposits from Banks","81380","2991","1650","4400","2201734","-","22892355"]
["Customer Deposits","9027413","-","-","-","-","-","9027413"]
["Derivative Liabilities","-","276","7","28","1","24","336"]
["Lease Liability","-","312","871","1671","443","461","3758"]
["Total Cashfiows","9,108,793","3,579","2,528","6,099","2,202,178","485","11,323,662"]

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["31 March 2023","On Demand £'000","one £'000","months £'000","1-3years £'000","3-Syears £'000","Over5S years £000","Total £'000"]
["Undiscounted ContractualCashfiows"]
["Deposits from Banks","53436","23375","70125","819,557","1598344","-","2564837"]
["Customer Deposits","10469,067","-","85145","-","-","-","10,554,212"]
["Derivative Liabilities","-","5374","n786","27842","17.245","2155","64,502"]
["Lease Liability","-","895","1,850","5129","4352","1.906","14132"]
["Total Cashflows","10,522,503","29,644","168,906","852,628","1,619,941","4,061","13197683"]

{"sheet":"page_number100-table64","index":65,"n_rows":3,"n_cols":3,"rows_kept":3,"cut":false,"hidden":false,"merged":[]}
["NII Sensitivity (Audited)","31 March 2023 £000","31March 2022 £'000"]
["+100bps Parallel Shift","+92,900","+68,000"]
["-100bps Parallel Shift","-108,000","-80,700"]

{"sheet":"page_number103-table65","index":66,"n_rows":8,"n_cols":4,"rows_kept":8,"cut":false,"hidden":false,"merged":[]}
[null,null,"Group' 31 March 2023 £'000","Group' 31 March 2022 £'000"]
["Credit Risk Exposure",null,"1N3624","874927"]
["Operational Risk Exposure",null,"154,036","66.372"]
["CreditValuation Adjustment",null,"27098","53528"]
["Total Risk-Weighted Assets","-","1.894.758","994,827"]
["SETLRa",null,"3750%","39.96%"]
["TotalTier 1Ratio",null,"3750%","39.96%"]
["UK Leverage Ratlo",null,"930%","785%"]

{"sheet":"page_number103-table66","index":67,"n_rows":11,"n_cols":4,"rows_kept":11,"cut":false,"hidden":false,"merged":[[4,3,6,3],[5,2,6,2],[1,0,2,1]]}
[null,null,"Group' 31 March 2023 £000","Group' 31 March 2022 £'000"]
["ShareholderEquity as pertheGroup StatementofFinancial Position i (Audited) . . : \\",null,null,"430,424"]
[null,null,"oa","a"]
["EquityAdlustmentsfor Solo-consolidated Group'",null,"'= =","'="]
["CET1 Capital Before Regulatory Adjustments",null,"5116","437388 (ose ..po pn."]
["Regulatory Deductions",null,"won Pg reoo"]
["Intangible Assets ~ fi erred Tax Tax Asset Asse"]
["dd Backs/{Uther Deductions)",".","co","(10,876)"]
["IFRS9 Transitional Provision",null,"9.716","13,255"]
["CET1 Capital",null,"710614","397,502"]
["Total Regulatory Capital",null,"710,614","397502"]

{"sheet":"page_number111-table67","index":68,"n_rows":10,"n_cols":4,"rows_kept":10,"cut":false,"hidden":false,"merged":[[1,3,2,3],[6,1,7,1],[9,0,9,1]]}
["Emerging Themes","Risk","Principal Risk Category","Principal Risk SubCategory"]
["Transformation, Remediation& Change","Capacity in keyoperational areas","Operational Risk","Process Risk/ People Risk Change Risk"]
[null,"Scaleofchangeacrossthe organisation","Operational Risk"]
["BusinessModel","Earningsrisk","Strategic Risk","Business Risk"]
["Sustainability","Third partyconcentration-riskof dependence on'utility' providers","Strategic Risk","Business Risk"]
[null,"Business disruption","Operational Risk","Technology Risk"]
["People Risk","Senlormanagementretention Staffattraction,retention and wellbeing","Operational Risk","People Risk"]
[null,null,"Operational Risk","People Risk"]
["Adverse Publicity","Failure ormaterialcensure ofmajor fintech","Strategic Risk","Reputation Risk"]
["Environmental, Social & Climate change Governance",null,"Strateglc Risk","ESG Risk"]

{"sheet":"page_number115-table68","index":69,"n_rows":5,"n_cols":3,"rows_kept":5,"cut":false,"hidden":false,"merged":[[1,1,2,1]]}
["Keyauditmatters",null,"vs2022"]
["Recurring risks","ECL provision on loans and advances to customers EIR adjustments on loans and advances to customers","<4 >"]
[null,null,"A"]
["Risk change:"]
[null,"<4 > No change","A Increase"]

{"sheet":"page_number115-table69","index":70,"n_rows":5,"n_cols":3,"rows_kept":5,"cut":false,"hidden":false,"merged":[[1,1,2,1],[0,1,0,2],[1,0,2,0]]}
["1. Ouropinion is unmodified","Overview"]
["We have audited the financial statements of Starling Bank Limited ('the Parent Company') and its subsidiaries ('the Group') for the year ended 31 March 2023 which comprise consolidated and Parent Company statements ofcomprehensive income, consolidated","Materiatity: group financial statements as a whole","£6m(2022:€3m)"]
[null,null,"3.08% of actualprofit before tax (2022: 0.8%ofnet assets/equity)"]
["and Parent Company statementsof financial position as at 31 March 2023,the","Coverage","99.0% (2022:99.9%)ofgroup assets"]
["consolidated and Parent Company cash flow statements and the consolidated and Parent"]

{"sheet":"page_number116-table70","index":71,"n_rows":5,"n_cols":3,"rows_kept":5,"cut":false,"hidden":false,"merged":[[1,1,3,1]]}
[null,"The Risk :","OurResponse"]
["Expected Credit Loss (ECL) provisionon loansand advances to customers","Subjective estimate: Theestimationof ECLonfinancial instruments,involvessignificantjudgmentand estimates.The key areaswhere weigentfied Greve! levels of management Judgment and therefore increased levels of audit focus in the Group and Parent Company's estimation o s are: - Complexity of the estimation method and subjectivity of assumptions - inherently judgemental modelling is used to estimate ECL, which involves determining","We performed the following audit procedures rather than seeking to rely on the Group's controls because the nature of the balanceis such that we would expectto obtain audit"]
[null,null,": mari pr"]
["£36million; 2022; £27million",null,"Sridenceprimary through the detailed procedures :"]
["Refer to pages 60-90 oe 152138freaaine policy).","Probabilities of Default (\"PD\"), Loss Given Default (\"LGD\") and Exposure at Default (\"EAD\"). The PD modelis the key driver of complexity in the ECL estimate for the unsecured and SME portfolios,whilst the LGD mode!is the key driverfor the mortgages portfolio. As such these models are considered the mostsignificant judgemental aspect of the Group's ECL modelling approach. SICRcriteria -The criteria selected to identify a significant increase in credit risk is a key area of judgement within the Group's ECL calculation, as these criteria determine whether a 12 month orlifetime provision is recorded. Macroeconomic forecasts and scenarios - Significant management judgmentis applied in determining the economic scenarios used and the probability weightings assigned to each scenario particularly in the context of the current uncertain economic environment. Qualitative adjustments (PMAs) -Adjustments to the model-driven ECL results are raised by the entity to address known ECL model!limitations or emerging trends not captured by the models. They currently represent approximately 15% of the ECL balance across the Group. These adjustments are inherently uncertain, and significant management judgement is involved in determining whetherall applicablerisks have been captured within the PMA population. Theeffectofthese mattersisthat,as part ofourriskassessment,we have determined that the ECL provisionheld againstloans and advancestocustomershasa highdegreeofestimation uncertainty, witha range of greater,and pi y many times greater,thanourmateriality forthefinancial statementsasawhole.","Test of detalls: We recalculated the ECL measuredfor each of theGroup's loan portfolioswhere we identified arisk of Material misstatement, including those arising from significant judgements overthe estimation of ECLeither due to inputs, methods or assumptions. We performed sample testing over key inputs, data and assumptionsto assess the reasonablenessof key aspects of the ECL calculations. Our credit risk modelling expertise: We involved our own credit risk modelling specialists in evaluating the Group's IFRS 9 models. We used our knowledgeof the Group and our experience of the industry to independently challenge the appropriatenessof the Group's IFRS 9 models. Oureconomics expertise: We involved ourown economic specialistswhoassisted usinassessing the reasonablenessofthe Gooup's methodology for determining the economic scenarios used and the probability weightings applied to them. We assessed theoverallreasonablenessof the economic forecastsby comparing the Group'sforecasts toourown modelled forecasts."]

{"sheet":"page_number117-table71","index":72,"n_rows":5,"n_cols":2,"rows_kept":5,"cut":false,"hidden":false,"merged":[[1,1,2,1]]}
["The Risk","QurResponse"]
["Disclosurequality:","Qualitative adjustments: We challenged the completeness of the post-mode! adjustments identified, including in response to modellimitations, data limitations and the uncertain macroeconomic outlook, involving our economics specialists to evaluate underlying economic assumptions used in the PMA calculation. We assessed the reasonableness of the adjustments by involving our credit risk modelling specialists to challenge key assumptions and inspectthe calcutation methodology. SICR: We assessed the ongoing effectiveness of the SICR criteria and independently calculated the loans' stage for the Group's loans and advances. Assessing transparency: We assessed whether the disclosures appropriately disclose and address the uncertainty which exists when determining the ECL. tn addition, we assessed whether the disclosure of the key judgements and assumptions was sufficiently clear."]
["Thedisclosuresregarding the Group'sand Parentcompany's application of IFRS 9 arekey to explaining the keyjudgments and material Inputs tothe IFRS 9 ECL results."]
[null,"Qurresults"]
[null,"Based onthe risk identified and our proceduresperformed we considered the impairment allowances on loans and advances at amortised cost,including off-balance sheetelementsand the related disclosures tobeacceptable (2022result:acceptable)."]

{"sheet":"page_number118-table72","index":73,"n_rows":6,"n_cols":4,"rows_kept":6,"cut":false,"hidden":false,"merged":[[1,3,4,3],[4,0,4,1],[1,0,2,1]]}
[null,null,"The Risk","Qur Response"]
["Effective Interest Rate (EIR) adjustment on loans and",null,"Subjectiveestimate","Our proceduresincluded: - Test of details: We recalculated the EIR output to test the accuracyof the EIR balances. Weperformed sample testing overkey inputs, data and assumptions to assess the reasonablenessof key aspects of the EIR calculation; - Our sector experience: Wecritically assessed key assumptions under the Group's expected behavioural lives against our knowledge of industry experience and trends and challenged the appropriatenessof the redemption and early repaymentprofiles applied in calculating the EIR adjustments on loans and advancesto customers; Sensitivity analysis: We performed sensitivity analysis overthe repaymentprofiles by applying alternative profiles based on our knowledge of industry expectation; - Assessing transparency: We evaluated whether the disclosures appropriately disclose and address the uncertainty that exist when determining the EIR adjustment."]
[null,null,"The recognition of EIR adjustments on loans and advances to customers requires"]
["d","to s","mar t to apply judgment, with the mostcritical estimate being the loans'"]
["Refer to page 129-130 (accounting policy) and page 147-148 (critical estimates and judgements).",null,"redemption and early repaymentprofile underlying the expected behavioural life of the 02\": The Group makesits expectedlife assumptions based on the portfolio's historical customer repayment profile which may not reflect the actual repaymentpattern of the Group's loans and therefore the Group makes significant judgments about the probability and timing of expected cashflows. The behaviourallife underlying the Group's EIR- adjustment also extends into the future postthe fixed rate period which creates a high degree of estimation uncertainty. The cohorts of loans and advances for which the redemption and early repaymentprofile assumptions are most significant are the mortgages portfolios which includes the acquired mortgage portfolios, forward fiow mortgage origination arrangements and the buy-to-let mortgages originated by the Group's subsidiary - Fleet Limited. The effect of these mattersis that, as part of our risk assessment, we determined that EIR adjustment on loans and advances to customers hasa high degree of estimation uncertainty, with a potential range of reasonable outcomes greater than our materiality for the financial statements as a whole."]
[null,null,null,"Ourresults The results of our testing were satisfactory and we considered the EIR adjustment on loans and advances to customers and the related disclosures to be acceptable. (2022 result: acceptable)"]

{"sheet":"page_number123-table73","index":74,"n_rows":27,"n_cols":8,"rows_kept":27,"cut":false,"hidden":false,"merged":[[7,7,8,7],[0,6,1,6],[0,5,1,5],[0,4,1,4]]}
[null,null,null,"Group","Group 31 March 2022 £000","Company 31 March 2023 £'000","Company 31 March 2022 £000"]
[null,null,"Note","31 March 2023 £000"]
["Income Statement"]
["NetInterest Income",null,"4","348,845","121,712","345.834","121666"]
["Interest Income",null,null,"403,103","126614","400,092","126,567"]
["Interest Expense",null,null,"(54,258)","(4902)","(54.258)","(4.901)"]
["Net Fees and Commissions",null,"5","74380","57.730","68,085","49,723"]
["Fees and Commissions Income",null,null,"12,413","86,041","107586","77632","|"]
["Feesand Commissions Expense",":",null,"(38.023)","(28.31)","(39,501)","{27909)"]
["Other (Expense)/Income",null,"6","(8,421)","8,624","36,521","32,857"]
["Total Income",null,null,"414,814","188,066","450,440","204,246"]
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["Net FairValue Gains/(Loss) from Hedge Relationships","7.27)","7697","7271","2697"]
["Hogsveness Arlsing from Fair Value","(1.972)","2945","(1972)","2945"]
["Ineffectiveness Arising trom Cash Flow","213","_","13","_"]
["Hedges"]
["Gains/ (Loss) from Economic Hedges","4163","46","4163","46"]
["Other Hedging Movements","9.675)","4706","(9,675)","4706"]
["Eopeose)/Gain from Foreign","(2,007)","25","(2,007)","25"]
["Xi"]
["Dividend Income","_","_","16,800","6000"]
["OtherOperating Income","857","902","-","(5)"]
["Other(Expense)/Income","(8,421)","8624","36,521","32,857"]

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[null,"Group","Group 31March 2022 £1000","Company 31March 2023 £000","Company 31 March 2022 £000"]
[null,"31March 2023 £000"]
["Salaries,Wages and OtherCosts","118,997","83947","107,960","78,288"]
["social Security Costs","12,549","8703","11,240","8089"]
["CostofShare Award Schemes, Net of Tax","1,344","4659","1,275","4590"]
["Penslon Contributions","3479","1828","2,362","1167"]
["StaffCosts","136,369","99137","122,837","92134"]

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[null,"Group","Group 31 March 2022 £000","Company 31 March 2023 £000","Company 31 March 2022 £000"]
[null,"31 March 2023 £000"]
["'Audit of Consolidated Financial","2,03",null,null,"77"]
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["Audit of the Financial Statements of the Subsidiaries","67","86","-","-"]
["Total Audit Fees","2100","1963","2,033","1877"]
["Interim Profit Verification Fees","161","150","161","150"]
["Total Non-Audit Fees","161","150","161","150"]

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[null,"Group 31 March","Group 31 March","Company 31 March","Company 31 March"]
[null,"2023 £000","2022 £1000","2023 £1000","2022 £1000"]
["AmortisationofIntangible Assets","7762","4078","2","3"]
["DepreciationofTangibleFixed Assets","1382","1180","1,87","1121"]
["DepreciationofRightto Use Assets","1,809","1126","1575","1,037"]
["DepreciationandAmortisation","10,953","6,384","2,764","2.161"]

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[".",null,"Group","Group 31March 2022 £000","Company 31March 2023 £000","Company 31 March 2022 £000"]
[null,"31 March 2023 £000"]
["Operations and Front Office",null,"2,063","1471","1931","1,434"]
["Back Ottice Functions",null,"669","447","632","437"]
["Manag 2",":","30","23","21","20"]
["Total Numberof Employees",null,"2,762","1941","2,584","1,891"]

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[null,"Group nNn","Group an Non","Company A en","Company a en coos"]
[null,"foto coos coo"]
["LoansandAdvancestoCustomers","8,682","10,225","8,682","10,225"]
["Undrawn Overdraft Facilities and Loan ommitments","132)","(408)","(132)","(408)"]
["TotalImpairmentCharge","8,550","9.817","8550","9.817"]
["Amounts Charged-off","1,441","819","1441","819"]
["TotalImpairmentand Charge-offs","9,991","10,636","9,991","10636"]

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[null,"Group","Group","Company Maer £000","Company Sian £000"]
[null,"SMaeh iva"]
[null,"£000","£'000"]
["Wagesand Salaries","2,273","2175","2,273","2175"]
["Soclal Security Costs","366","298","366","298"]
["CostofShareAward Schemes,Netof","209","66","209","66"]
["Tax"]
["PensionContributions","1","-","1","-"]
["Directors Emoluments","2,939","2539","2,939","2.539"]
["WagesandSalaries","900","900","900","900"]
["SocialSecurityCosts","135","124","135","124"]
["Highest Paid Director Emoluments","1,035","1024","1,035","1024"]

{"sheet":"page_number153-table104","index":105,"n_rows":12,"n_cols":5,"rows_kept":12,"cut":false,"hidden":false,"merged":[]}
["Profit Before Taxation","194,596","32,052","221,684","42165"]
["Tax Expenseatthe Standard Rateof19%","36,973","6,080","42120","8,01"]
["Effectsof:"]
["Surcharge","12.225","-","12,225","-"]
["Non-Taxable Income","(339)","-","(3192)","(1140)"]
["Expenses not Deductible forTax Purposes","70","863","917","1930"]
["Deferred Tax Not Recognised","269","-","-","-"]
["Deferred Tax Recognised","sn","(12,978)","452","(12,978)"]
["Tax Rate Changes","2755","(6,861)","1660","(6.489)"]
["Prior Period Adjustment","(1,424)","-","(1g)","-"]
["Tax Charge/ (Credit) Recognised in Income Statement","51,740","(12,886)","53,064","(10,666)"]
["Effective Tax Rate","26.6%","(40.2)%","239%","(25.3)%"]

{"sheet":"page_number153-table105","index":106,"n_rows":11,"n_cols":5,"rows_kept":11,"cut":false,"hidden":false,"merged":[[0,4,1,4],[0,3,1,3],[0,2,1,2]]}
[null,"Group","Group 31 March 2022 £'000","Company 31March 2023 £'000","Company 31 March 2022 £'000"]
[null,"31 March 2023 £'000"]
["Current Tax"]
["Corporation Tax","31,242","anz","33.463","4692"]
["AdjustmentsIn RespectofPriorPeriod","(1181)","(88)","(1142)","-"]
["Tax Expense/(Credit)","30,061","3,029","32321","4,692"]
["Deferred Tax"]
["Deferred Taxes Recognised in Income Statement{note 15)","20980","(9,038)","20489","(8.869)"]
["Adjustmentsin Respectof Prior Period","(243)","88","24","-"]
["EffectofTax Rate Changes (note15)","942","(6,965)","230","(6,489)"]
["TaxCharge/ (Credit) Recognised in Income Statement","51,740","(12,886)","53,064","{10,666)"]

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[null,"Group","Group 31 March 2022 £000","Company 31 March 2023 £'000","Company 31 March 2022 £'000"]
[null,"31 March 2023 £'000"]
["Issued by Governments and","1,544,706","1,705167","1,544,706","1,705,167"]
["Supranatere Bodies bomoons guiding Societies Banks an","025408","613430","925404","613430"]
[null,",",",","☒","."]
["* Residential Mortgage Backed Securitles (RMBS)Issued by Banks and Bullding Socletles","48,040","1,664","48,040","11,664"]
["Gross DebtSecurities","2,518,240","2,330,261","2,518,240","2,330,261"]
["Fair Value Adjustmentfor Hedged Risk","(38,690)","(23.375)","(38,690)","{23,375)"]
["Debt Securities","2479550","2,306,886","2479550","2,306,886"]

{"sheet":"page_number154-table107","index":108,"n_rows":2,"n_cols":5,"rows_kept":2,"cut":false,"hidden":false,"merged":[]}
[null,"Opening Balance 31March 2022 £'000","Additions 31 March 2023 £000","Maturities 31 March 2023 £'000","Closing Balance 31 March 2023 £000"]
["Debt Securities","2,330,261","11,075","(923,096)","2,518,240"]

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[null,"Group","Group 31 March 2022\" £'000","Company","Company 31 March 2022\" £000"]
[null,"31 March 2023 £'000",null,"31 March 2023 £'000"]
["Cash at BankofEngland","6,076,284","6.053010","6,076,284","6,053.010"]
["Cash at Other Banks","33,420 5427",null,"20151 50160"]
["Loans and Advances to Banks","6109704","6107281","6105435","6103170"]

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[null,"Group","Group 31 March 2022? £000","Company 31 March 2023 £'000","Company 31 March 2022? £000"]
[null,"31 March 2023 £000"]
["Mortgage Lending","3,436,789","1215887","3,436,789","1.215.887"]
["Owner Occupled","1367621","972,859","1.367621","972,859"]
["Buy-to-let","2069168","243028","2,069168","243028"]
["SME Lending","1,404,301","2050761","1,404,301","2,050,761"]
["Bounce Back Loans","943,529","1415058","943,529","1.415058"]
["Coronavirus BusinessInterruption Loans","322779","498,051","322,779","498,051"]
["Recovery Loan Scheme","136.529","137.381","136,528","137.381"]
["SME Term Loans","1015","-","1015","-"]
["Overdrafts","449","nN","449","27"]
["Retail Lending","32,543","45031","32,543","45031"]
["Term Loans","14.615","29,353","14,615","28,353"]
["Overdrafts","17928","15678","17928","15678"]
["Gross Loans and Advances to Customers","4,873,633","3311679","4,873,633","3,311,679"]
["Less Total Impairment Provisions","(34,530)","(25,848)","(34,530)","(25,848)"]
["Impairment Provisionsfor Mortgage Lending","(7.853)","(3,221)","{7853)","(3221)"]
["Impairment Provisions forSME Lending","(20181)","(16,735)","(20181)","(16,735)"]
["ImpalrmentProvisions for Retail Lending","(6.496)","(5.892)","(6.496)","{5892)"]
["Net Loans and AdvancestoCustomers","4,839,103","3,285,831","4,839,103","3,285,831"]
["Accrued Interest","18957","15137","18957","15137"]
["Falr Value Adjustment tor Hedged Risk","(126,063)","(66,295)","(126,063)","(66,295)"]

{"sheet":"page_number156-table110","index":111,"n_rows":8,"n_cols":3,"rows_kept":8,"cut":false,"hidden":false,"merged":[]}
["Group/Company",null,"ProvisionsforImpairment on Loans and Advances to Customers £'000"]
["As at 31 March 2021",null,"15,623"]
["Charge forthe Period",null,"1,044"]
["Amounts Charged-off'",".","(819)"]
["As at 31 March 2022",null,"25,848"]
["Chargeforthe Year",null,"10123"]
["Amounts Charged-off'",null,"(1.441)"]
["As at31 March 2023",null,"34,530"]

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[null,"31March 2023 £000","31 March 2022 £'000","31 March 2023 £000","31 March 2022 £000"]
["Loan Commitments","146,872","252666","146,872","252,666"]
["Undrawn CreditFacllities","79,016","69,266","79,016","69,266"]
["Loan Commitments","225,888","321,932","225888","321932"]

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["13. Assets Pledged as Collateral/ Encumbered Assets"]
[null,"Encumbered",null,"Unencumbered",null,"Tota!"]
["Group","31March 2023 £'000","31March 2022 £'000","31March 2023 £'000","31March 2022 £'000","31March 2023 £000","31 March 2022 £'000"]
["Debt Securities","1635292","1359777","844,258","947108","2,479,550","2,306,886"]
["Loans and Advances to Banks","389,005","324170","5,720,699","5783111","6,109,704","607.281"]
["Loansand AdvancestoCustomers","706,769","1085700","4,025,228","2148973","4,731,997","3234673"]
["Other Assets","372127","36.979","34,724","29656","71,851","66,635"]
["Tota! Assets","2,768,193","2,806,626 10,624,909 8,908,849",null,null,"13,393,102","11,715475"]

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[null,"Group FairValue","Group FairValue","Group Notional Amount £'000","Company FairValue ofAssets £'000","Company FairValue ofLiabilities £'000","Company Notional Amount £000"]
[null,"ofAssets ofLiabilities"]
["Asat 31 March 2022","£000","'000"]
["Hedge Accounting Derivatives:"]
["FairValue Hedges:"]
["Interest Rate Swaps","97.249","(54)","3,320,000","97,249","(54)","3320000"]
["Derivatives notin HedgeAccounting Relationships:"]
["FX Forwards","807","(276)","183,843","807","(276)","183,843"]
["Derivatives","98,056","(330)","3,503,843","98,056","(330)","3,503,843"]

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[null,"Group FairValue ofAssets £000","Group FairValue ofLiabilities £000","Group Notional Amount £'000","Company FairValue","Company FairValue","Company Notional Amount £000"]
[null,null,null,null,"of Assets ofLiabilities"]
["Asat 31 March 2023",null,null,null,"£'000","£000"]
["Hedge Accounting Derivatives:"]
["FairValue Hedges:"]
["interest Rate Swaps","221120","(52,115)","4,486,000","221120","(52115)","4,486,000"]
["Cash Flow Hedges:"]
["Interest Rate Swaps","549","(1,887)","210,000","549","(1,887)","210,000"]
["Derivatives not in Hedge A i"]
["FX Forwards","105","(1,450)","262,832","105","(1,450)","262,832"]
["Derivatives","221,774","(55.452)","4,958,832","221,774","(55,452)","4,958,832"]

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[null,"Group","Group 31March 2022 £000","Company 31 March 2023 £'000","Company 31 March 2022 £000"]
[null,"31March 2023 £'000"]
["Deferred Tax at 31 March 2022","21,985","6,088","21,446","6,088"]
["Recognised inIncomeStatement"]
["Transferred-in on Acquisition of Fleet Mortgages Ltd","-","7)","~","-"]
["PriorPeriodAdjustment","243","(89)","(24)","-"]
["Rate Change","(941)","6.965","{231)","6.489"]
["Deferred Tax (Credit)/Charge","(20,980)","9,038","(20,489)","8,869"]
["RecognisedinEquity Reserves"]
["Movement in Cash Flow Hedging Reserve","3,985","-","3,985","-"]
["Movementin Share Awards Reserve","372","-","372","-"]
["Deferred Tax at 31 March 2023","4,664","21985","5,059","21,446"]
["Analysisofthe DeferredTaxPosition"]
["TaxableTemporary Differences"]
["Fixed/ Intangible Asset Timing Differences","(7.830)","(4,745)","-","-"]
["DeductibleTemporary Differences"]
["Fixed/IntangibleAssetTiming Differences","79","434","79","434"]
["ShortTermTiming Differences","7432","1946","mm","28"]
["Carried Forward Losses","174","24350","~","20984"]
["Deferred Tax on Cash Flow Hedging Reserve","3.985","-","3,985","-"]
["Deferred Tax on Share Awards Reserve","824","-","824","-"]
["DeferredTaxat31 March2023","4664","21985","5,059","21446"]

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[null,"Group","Group 31 March 2022? £'000","Company 31 March 2023 £'000","Company 31 March 2022? £000"]
[null,"31 March 2023 £000"]
["Payment Scheme Collateral","37127","36,979","37127","36,979"]
["Prepayments","10,824","6,417","9,262","53%"]
["Other Assets","23,900","23239","20,739","15,247"]
["OtherAssets","7,851","66,635","67128","57617"]

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[null,"Property,","Right of","Total"]
["oy","Er Bio","Asyee tow","Tongible ooo"]
["Cost"]
["As at 1April 2021","4328","5527","9,855"]
["Acquiredon Purchase ofSubsidiary","846","645","1491"]
["Additions","1163","ne","1.279"]
["Disposals","(314)","-","(314)"]
["As at 31 March2022","6,023","6,288","12,31"]
["Depreclation"]
["As at1April 2021","2184","1,256","3.440"]
["Acquired on Purchase of Subsidiary","70","147","857"]
["ChargefortheYear","1180","1126","2,306"]
["Disposals","(196)","-","(196)"]
["Asat31 March 2022","3878","2529","6,407"]
["Net Book Value","2145","3759","5904"]

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["Group","Right Teme portend ee £'000 £000 £'000"]
["Cost"]
["Asat1April2022!","6,023","6,288","1231"]
["Additions","2,830","10,427","13,257"]
["Disposals","3)","(1,609)","(1,612)"]
["As at 31 March2023","8,850","15106","23,956"]
["Depreciation"]
["As at 1 April 2022!","3878","2,529","6,407"]
["Charge for the Year","1382","1.809","319"]
["Disposals","2)","(1,20)","(1122)"]
["Asat31 March2023","5,258","3,218","8,476"]
["Net BookValue","3,592","1,888","15,480"]

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["17. Property, Plant Company","and Equipment and Rightof Use Assets oer eant £'000","continued dal AsUse £'000","To Tonge £000"]
["Cost"]
["As at1 April 2022","5128","5643","10771"]
["Additions","2,085","9,582","1,667"]
["Disposals","(3)","(1,609)","(1,612)"]
["As at 31 March 2023","7,210","13,616","20,826"]
["Depreciation"]
["As at1April 2022","3157","2,293","5,450"]
["Charge for the Year","1187","1,575","2762"]
["Disposals","2)","(1.120)","(1122)"]
["As at 31 March 2023","4342","2,748","7090"]
["Net Book Value","2,868","10,868","13,736"]

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["Company","pend £000","Right Yes £'000","Tae £'000"]
["Cost"]
["As at 1April2021","4,324","5,527","9,851"]
["Additions","1,065","ne","1181"]
["Disposals","(262)","-","(262)"]
["As at 31 March2022","5127","5643","10,770"]
["0"]
["As at 1April 2021","2,180","1,256","3,436"]
["Chargefor the Year","1121","1037","2158"]
["Disposals","(144)","-","(144)"]
["Asat 31March 2022","3,157","2,293","5450"]
["Net Book Value","1,970","3,350","5320"]

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["Group","Intangible Assets £000","Goodwill £000","Intangible Assetsand Goodwill £000"]
["Cost"]
["As at1 April 2022","41,562","35890","77452"]
["Additions'","27657","-","27657"]
["Disposals","(14)","-","m4)"]
["Impairment of Intangible Asset","(626)","-","(626)"]
["CIFEligible Intagibte","(6.881)","-","{6,881)"]
["As at 31 March 2023","61,598","35,890","97488"]
["Amortisation"]
["As at1April 2022","13,351","-","13,351"]
["Charge fortheYear","7762","-","7762"]
["Disposals","(100)","-","(100)"]
["As at 31 March 2023","21,013","-","21,013"]
["Net Book Value","40,585","35,890","76,475"]

{"sheet":"page_number165-table122","index":123,"n_rows":7,"n_cols":4,"rows_kept":7,"cut":false,"hidden":false,"merged":[]}
["Investmentin Subsidiaries","31 March 2022 £000","Movement during year £000","31 March 2023 £000"]
["Starling FSServices Limited","-","-","-"]
["Murmur FinanclalServices International DAC","-","-","-"]
["MFSI HoldingsLimited","-","-","-"]
["Fleet MortgagesLimited","50171","-","50171"]
["Engine by Starling Limited","-","-","-"]
["Investmentin Subsidiaries","50/71","-","5017"]

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[null,"Intangible Assets £'000","Goodwill","Intangible Assetsand Goodwill"]
["Group",null,"£'000","£'000"]
["Cost"]
["As at1April 2021","25779","-","25779"]
["Acquired onPurchase ofSubsidiary'","562","-","562"]
["Intangible Asset Recognised on Acquisition","7586","-","7586"]
["Additions?","19170","35,890","55,060"]
["Disposals","(124)","-","(124)"]
["CIFEligible Intangible","(n,411)","-","(1.4m)"]
["As at 31 March 2022","41,562","35,890","77452"]
["Amortisation"]
["Asat1April2021","8.869","-","8.869"]
["Acquired on Purchase of Subsidiary'","405","-","405"]
["ChargeforthePeriod","4078","-","4078"]
["Disposals","(1)","-","(1)"]
["As at 31 March 2022","13,351","-","13.351"]
["Net Book Value","28.21","35,890","64101"]

{"sheet":"page_number166-table124","index":125,"n_rows":7,"n_cols":4,"rows_kept":7,"cut":false,"hidden":false,"merged":[]}
["Company","31 March 2022 £000","Movement during year £'000","31 March 2023 £000"]
["Starling FS Services Limited","39648","12143","51,791"]
["Murmur Financial Services International DAC","779","(779)","-"]
["MFSI HoldingsLimited","-","-","-"]
["Fleet MortgagesLimited","-","(283)","(283)"]
["Engine by Starling Limited","-","100","100"]
["Balance on intercompanyAccount","40427","1181","51,608"]

{"sheet":"page_number167-table125","index":126,"n_rows":12,"n_cols":2,"rows_kept":12,"cut":false,"hidden":false,"merged":[]}
[null,"Asat 23July 2021 £000"]
["Goodwill"]
["Fair Value of Consideration Transferred","50171"]
["Identifiable Net Assets Recognised on Acquisition","(6.695)"]
["Intangible RecognisedonAcquisition","(7.586)"]
["Goodwill on Acquisition","35,890"]
[null,"£000"]
["Falr Value of Consideration Transferred","(50171)"]
["Intangible Recognisedon Acquisition","7586"]
["Cash and Cash Equivalents Acquired","6,425"]
["NetCashOutflowon Acquisition","(36,160)"]
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["Deposits from Banks","2283821","2283821","-","2283821","-"]
["Financlal Liabilities Carried at Amortised Cost","1,311,548","11,311,548","-","N3N1548","'="]

{"sheet":"page_number182-table157","index":158,"n_rows":9,"n_cols":5,"rows_kept":9,"cut":false,"hidden":false,"merged":[]}
["Credit Risk","Group 2023 £'000","Group 2022 £'000","Company 2023 £'000","Company 2022 £000"]
["Loans and Advances to Banks","6,109,704","6107281","6105435","6103170"]
["Debt Securities","2,518,240","2330261","2,518,240","2330,261"]
["Loansand Advances toCustomers","4,873,633","331679","4,873,633","331,679"]
["Derivative Assets","221,774","98,056","221774","98,056"]
["Undrawn Facilities and Commitments","225,888","321932","225,888","321932"]
["Exposure toCredit Risk","13,949,239","12169209","13,944,970","12165098"]
["UK Government Guarantee","(1,280,371)","(1.800652)","(1,280,371)","(1,900,652)"]
["Exposure AfterGuarantee","12,668,868","10,268,557","12,664,599","10,264,446"]

{"sheet":"page_number183-table158","index":159,"n_rows":5,"n_cols":5,"rows_kept":5,"cut":false,"hidden":false,"merged":[]}
["Mortgage Lending As at31 March 2023","Stage 1 £000","Stage 2 £000","Stage 3 £000","Total £'000"]
["Bute","2,059,968","5464","3736","2069168"]
["Owner Occupied","1168333","5931","83357","1367621"]
["Total Mortgage Lending Before Impairment Provision","3.228301","121395","87093","3436789"]
["Mortgage Lending","Stage1","Stage 2","Stage 3","Total"]

{"sheet":"page_number183-table159","index":160,"n_rows":4,"n_cols":5,"rows_kept":4,"cut":false,"hidden":false,"merged":[]}
["Asat31 March2022 Groupand Company","Gross Amountsas Reported £,000","Netting Agreements £000","Cash Collateral £000","NetAmounts after Netting £'000"]
["Derlvative Assets","98,056","(330)","(81.380)","16,346"]
["Derlvative Liabllitles","(330)","330","-","-"]
["Amounts Subjectto Netting","97726","-","(81,380)","16,346"]

{"sheet":"page_number183-table160","index":161,"n_rows":6,"n_cols":6,"rows_kept":6,"cut":false,"hidden":false,"merged":[[1,5,3,5],[1,4,2,4],[0,4,0,5],[0,2,3,3],[0,1,3,1]]}
[null,"Gross Amounts as Reported = o on","Netting Agreements £ $ = pan",null,"Cash Net Amounts"]
["As at 31 March2023",null,null,null,"Collateral' =","afterNetting eoq to."]
["Group and Company"]
["Derivative Assets",null,null,null,"(169.561"]
["Derivative Liabilities","4.","4.1",null,"-"]
["Amounts Subject to Netting","- 166,322","-","-","(1695561)","(3239)"]

{"sheet":"page_number184-table161","index":162,"n_rows":13,"n_cols":5,"rows_kept":13,"cut":false,"hidden":false,"merged":[]}
["Mortgage Region Asat31 March 2022","Stage1 £'000","Stage2 £'000","Stage3 £'000","Total £'000"]
["Scotland","17552","1,797","2,506","21,855"]
["East Midlands","79.849","2733","4,088","86,670"]
["South West","76026","1934","3670","81,630"]
["West Midlands","101,944","3,046","6,512","M,502"]
["Greater London","168,037","5487","8,058","181,582"]
["East England","102,875","3.319","4681","10875"]
["North West","133.043","2996","7922","143,961"]
["South East","109,851","1.803","3687","n5341"]
["North East","302978","1916","3424","308318"]
["Wales","46947","1,088","2,745","50,780"]
["Northern Ireland","3097","5","2n","3373"]
["Total Mortgage Lending Before Impairment Provision","11423199","26,124","47564","1,215,887"]

{"sheet":"page_number184-table162","index":163,"n_rows":13,"n_cols":5,"rows_kept":13,"cut":false,"hidden":false,"merged":[]}
["Mortgage Region Asat31 March2023","Stage1 £'000","Stage 2 £000","Stage3 £'000","Total £'000"]
["Scotland","41109","4121","2.892","48122"]
["East Midlands","196,083","9782","5608","21473"]
["South West","218,622","8172","6777","23357"]
["West Midlands","251752","1,743","103805","274400"]
["Greater London","118,376","31948","25638","1175962"]
["East England","326,882","11,269","9722","347873"]
["North West","286,980","16.731","10,548","314,259"]
["South East","489910","13.787","7089","510,786"]
["North East","181,728","ne","4,297","183744"]
["Wales","114,932","5376","3415","123723"]
["Northern Ireland","1927","747","202","2,876"]
["Total Mortgage Lending Before Impairment Provision","3,228,301","121,395","87,093","3,436,789"]

{"sheet":"page_number185-table163","index":164,"n_rows":31,"n_cols":6,"rows_kept":31,"cut":false,"hidden":false,"merged":[]}
["As at 31 March 2023",null,"Stage1 £'000","Stage 2 £€'000","Stage 3' £000","Total £'000"]
["Mortgage Lending",null,"3,228301","121,395","87093","3,436,789"]
["Mortgage Pipeline (Undrawn)",".","146,872","-","~-","146,872"]
["SME Lending after Application of UK Government Guarantee",null,"91.786","20.797","1.347","123,930"]
["SME Lending",null,"972.862","197000","234439","1,404,301"]
["Of which subject to UK Government G",null,"(881.076)","(176,203)","(223.092)","1,280,371)"]
["SME Overdraft Facilities (Undrawn)",null,"5284","-","-","5,284"]
["Retail Lending",".","25530","1746","5,267","32,543"]
["Retail Overdraft Facilities {Undrawn)",null,"73.565","167","-","73,732"]
["Exposure AfterGuarantee",null,"3,571,338","144,105","103,707","3,819,150"]
["Ofwhich On BalanceSheet",null,"3,345,617","143938","103707","3593262"]
["Of which Off Balance Sheet",null,"225721","167","-","225888"]
["Mortgage Lending",null,"4,275","879","2,699","7.853"]
["Mortgage Pipeline (Undrawn)",null,"77","-","-","177"]
["SME Lending",null,"5046","4,380","10.755","20181"]
["SME Overdraft Facilities (Undrawn)",null,"4","-","-","4"]
["Retail Lending",null,"1,001","478","4927","6,496"]
["Retail Overdraft Facilities (Undrawn)",null,"832","42","-","874"]
["Impairment Provision",null,"11,462","5779","18,381","35,622"]
["Of which On Balsnce Sheet",null,"10.412","5,737","18,381","34,530"]
["Ofwhich OffBalance Sheet",null,"1050","42","-","1092"]
["Mortgage Lending",null,"3224026","120516","84,394","3428936"]
["Mortgage Pipeline (Undrawn)",null,"146,695","-","-","146,695"]
["SME Lending",null,"86,740","16,417","592","103,749"]
["SME Overdraft Facilities (Undrawn)",null,"5,243","-","-","5,243"]
["Retail Lending",null,"24439","1,268","340","26,047"]
["Retail Overdraft Facilities (Undrawn)",".","72733","125","~","72,858"]
["Net Exposure",null,"3,559,876","138,326","85,326","3,783,528"]
["Ofwhich On Balance Sheet",null,"3,335,205","138,201","85,326","3,558,732"]
["Ofwhich OffBalance Sheet",null,"224,671","125","~-","224,796"]
["% Coverage",null,"0.3%","4.0%","177%","0.9%"]

{"sheet":"page_number186-table164","index":165,"n_rows":31,"n_cols":5,"rows_kept":31,"cut":false,"hidden":false,"merged":[]}
["Asat 31 March 2022","Stage1 £'000","Stage 2 £000","Stage3' £'000","Total £'000"]
["Mortgage Lending","1142199","26124","47564","1,215,887"]
["Mortgage Pipeline (Undrawn}","252,666","-","-","252666"]
["SME Lending after Application of UK GovernmentGuarantee","131,699","14.426","3984","150109"]
["SME Lending","1,468,051","286,636","296074","2,050,761"]
["Ofwhich subject to UKGovernment Guarantee","(1,336,352)","(272,210)","(292,090)","(1,900,652)"]
["SME Overdraft Facilities (Undrawn)","1.868","-","-","1,868"]
["Retail Lending","37707","2912","4,412","45,031"]
["Retail Overdraft Facilities (Undrawn)","67279","19","-","67398"]
["Exposure AfterGuarantee","1,633,418","43,581","55,960","1,732,959"]
["Of which On Balance Sheet","1,311,605","43462","55960","141,027"]
["Of which Off Balance Sheet","321813","ne","-","321,932"]
["Mortgage Lending","524","76","2621","3221"]
["Mortgage Pipeline (Undrawn}","154","-","-","154"]
["SME Lending","10420","2,537","3778","16,735"]
["SME Overdraft Facilities (Undrawn)","27","-","-","27"]
["Retail Lending","1.489","1,030","3373","5892"]
["Retail Overdraft Facilities (Undrawn)","1,023","20","'=","1,043"]
["Impairment Provision","13,637","3,663","9,772","27072"]
["Of which On Balance Sheet","12433","3643","9,772","25848"]
["Ofwhich OffBalanceSheet","1,204","20","-","1224"]
["Mortgage Lending","1141675","26048","44943","1,212,666"]
["Mortgage Pipeline (Undrawn)","252512","-","-","252512"]
["SME Lending","121,279","1.889","206","133,374"]
["SME Overdraft Facilities (Undrawn)","1,841","-","-","1,841"]
["Retail Lending","36.218","1.882","1,039","39,139"]
["Retail Overdraft Facilities {Undrawn)","66.256","99","-","66,355"]
["Net Exposure","1,619,781","39918","46,188","1,705,887"]
["Ofwhich On Balance Sheet","1299,172","39819","46,188","1385179"]
["Of which Off Balance Sheet","320609","99","-","320,708"]
["% Coverage","0.8%","8.4%","175%","1.6%"]

{"sheet":"page_number187-table165","index":166,"n_rows":15,"n_cols":9,"rows_kept":15,"cut":false,"hidden":false,"merged":[[0,6,0,7],[0,2,0,3]]}
[null,null,"Exposure AfterGuarantee",null,null,null,"Impairment Provision"]
["Total Drawn","Stage1 £000","Stage 2 £'000","Stage3 £'000","Total £'000","Stage1 £'000","Stage2 £000","Stage3° £'000","Total £000"]
["As at1 April 2022","1,311,605","43,462","55,960","1,411,027","12,433","3643","9772","25,848"]
["Movements:"]
["Originations'","2,359718","25904","22482","2408104","4.366","n","1,236","6,319"]
["Repayments","(203,365)","(1,276)","(10566)","(225,207)","(6482)","(807)","(207)","(9,360)"]
["Changes in Credit Risk?","-","-","-","-","1,200","2,533","8,202","1935"]
["Amounts Written Off","(327)","(217)","(118)","(662)","(21)","(38)","(153)","(212)"]
["Impairment Charge/ (Release) Recognised",null,null,null,null,"(937)","2,405","7214","8,682"]
["StageTransfers:"]
["To Stage 1","1,730","(9.680)","(2.050)","-","727","(644)","(83)","-"]
["To Stage 2","(101,844)","107492","(5.648)","-","(1128)","1518","(390)","-"]
["To Stage 3","(31,800)","(1,747)","43,647","-","(683)","(1185)","1868","'="]
["As at 31 March 2023","3,345,617","143,938","103,707","3,593,262","10,412","5,737","18,381","34,530"]
["Coverage Ratlo",null,null,null,null,"0.3%","4.0%","177%","1.0%"]

{"sheet":"page_number188-table166","index":167,"n_rows":15,"n_cols":9,"rows_kept":15,"cut":false,"hidden":false,"merged":[[0,6,0,7],[0,1,0,3]]}
[null,"ExposureAfterGuarantee",null,null,null,null,"Impairment Provision"]
["Total Drawn","Stage1 £'000","Stage2 £'000","Stage 3 £000","Total £000","Stage £'000","Stage2 £000","Stage3? £'000","Total £'000"]
["As at1April 2021","173,654","13,957","3,496","191,107","9,662","3,226","2,735","15,623"]
["Movements:"]
["Originations'","1339600","1742","539","1,341,881","2,810","140","122","3072"]
["Repayments","(117.043)","3.742)","(447)","(121,232)","(1,795)","(287)","(188)","(2.270)"]
["Changes In Credit Risk?","-","-","-","-","7488","661","1.546","9695"]
["Amounts Written Off","(261)","(247)","(221)","(729)","(12)","(72)","(188)","(272)"]
["Impairment Charge/ (Release) Recognised",null,null,null,null,"8,49","442","1,292","10,225"]
["StageTransfers:"]
["To Stage 1","5294","(5.238)","(56)","-","553","(506)","(47)","-"]
["To Stage 2","(38,276)","38342","(66)","-","(1.502)","1538","(36)","-"]
["To Stage 3","(51,363)","(1,352)","52715","-","(4,77)","(1.057)","5,828","-"]
["As at 31 March 2022","1,311,605","43,462","55,960","1,411,027","12,433","3643","9,772","25,848"]
["Coverage Ratio",null,null,null,null,"09%","8.4%","17.5%","1.8%"]

{"sheet":"page_number189-table167","index":168,"n_rows":13,"n_cols":11,"rows_kept":13,"cut":false,"hidden":false,"merged":[[0,6,0,9]]}
[null,null,null,"Exposure",null,null,"Impairment Provision"]
["Total Undrawn",null,"Stage1 £'000","Stage2 £000","Stage3* £'000","Total £'000","Stage1 £'000","Stage2 £'000",null,"Stage3 £000","Total £'000"]
["As at1 April 2022",null,"321,813","19","-","321,932","1204","20",null,"-","1,224"]
["Movements:"]
["Approvals, Drawdownsor Expirations'",null,"(95,769)","(164)","mm","(96,044)","174","5",null,"-","179"]
["Changes in Credit Risk?",null,"-","-","-","-","(329)","22",".","(4)","(3M)"]
["Impairment Charge/(Release) Recognised",null,null,null,null,null,"(155)","27",null,"(4)","(132)"]
["StageTransfers:"]
["To Stage 1 .",null,"81","(81)","-","-","17","(7)",null,"-","-"]
["To Stage 2",null,"(294)","294","-","-","(12)","12",null,"-","-"]
["To Stage 3",null,"(10)","(1)","m","-","(4)","-",null,"4","'="]
["As at 31 March 2023, -",":","225721","167","-","225,888","1,050","42",null,"-","1,092"]
["Coverage Ratio",null,null,null,null,null,"0.5%","251%",null,"-%","0.5%"]

{"sheet":"page_number190-table168","index":169,"n_rows":13,"n_cols":9,"rows_kept":13,"cut":false,"hidden":false,"merged":[[0,5,0,8],[0,1,0,4]]}
[null,"Exposure",null,null,null,"Impairment Provision"]
["Total Undrawn","Stage1 £'000","Stage 2 £'000","Stage3 £'000","Total £'000","Stage1 £'000","Stage2 £'000","Stage3 £'000","Total £'000"]
["As at1 April 2021","72,685","927","-","73612","1,352","281","-","1633"]
["Movements:"]
["Approvals, DrawdownsorExplrations'","248,804","(389)","(95)","248,320","219","{49)","(2)","168"]
["Changes in Credit Risk?","-","-","-","-","(552)","{21)","(4)","{577)"]
["Impairment Charge/ (Release) Recognised",null,null,null,null,"(333)","(70)","{6)","(409)"]
["StageTransfers:"]
["To Stage 1","669","(664)","(5)","-","190","(190)","-","-"]
["To Stage 2","(258)","258","-","-","(4)","4","-","-"]
["To Stage 3","(87)","(13)","100","-","(1)","(5)","6","-"]
["As at 31 March 2022","321,813","19","-","321,932","1,204","20","-","1,224"]
["Coverage Ratio",null,null,null,null,"0.4%","16.8%","-%","0.4%"]

{"sheet":"page_number191-table169","index":170,"n_rows":15,"n_cols":9,"rows_kept":15,"cut":false,"hidden":false,"merged":[[0,6,0,7],[0,2,0,3]]}
[null,null,"ExposureAfterGuarantee",null,null,null,"Impairment Provision"]
["Credit Ageing","Stage1 £'000","Stage 2 £000","Stage3* £000","Total £000","Stage1 £000","Stage2 £'000","Stage3' £000","Total £'000"]
["Drawnfacilities:"]
["Under 31 days","3,345,617","77083","28025","3.450725","10.412","3630","1.489","25531"]
["31to 60dayspastdue","-","46,893","4,239","51132","-","1,024","173","1197"]
["61to 80 dayspast due","-","19.441","6.444","25.885","-","867","519","1386"]
["Over 90days past due","-","521","64999","65,520","-","216","6,200","6,416"]
["Tota! Drawn Facilities","3,345,617","143,938","103,707","3,593,262","10,412","5,737","18,381","34,530"]
["Undrawn Facilities"]
["Under 31 days","225721","167","-","225,888","1,050","42","-","1,092"]
["31 to 60 dayspastdue","-","-","-","-","-","-","-","-"]
["6110 90dayspast due","-","-","-","-","-","-","-","-"]
["Over90 days pastdue","-","-","-","-","-","-","-","-"]
["Total Undrawn Facilities","225721","167","-","225,888","1,050","42","-","1,092"]
["Total Exposure","3,571,338","144,105","103,707","3,819150","1,462","5,779","18,381","35,622"]

{"sheet":"page_number192-table170","index":171,"n_rows":15,"n_cols":9,"rows_kept":15,"cut":false,"hidden":false,"merged":[[0,6,0,7],[0,2,0,3]]}
[null,null,"Exposure AfterGuarantee",null,null,null,"Impairment Provision"]
["Credit Ageing","Stage1 £'000","Stage 2 £000","Stage3 £'000","Total £'000","Staget £'000","Stage 2 £000","Stage3' £'000","Total £'000"]
["Drawnfacilities:"]
["Under31 days","131.605","17087","18059","1.346.751","12,433","2469","4827","19,729"]
["31to 60days pastdue","-","25349","248","27497","-","585","353","938"]
["6110 90 days past due","-","767","13,088","13.855","-","356","764","1120"]
["Over 90days past due","-","259","22665","22924","-","233","3,828","4,061"]
["Total Drawn Facilities","1,311,605","43,462","55960","141,027","12,433","3,643","9,772","25,848"]
["Undrawn Facilities"]
["Under 31days","321,813","19","-","321932","1,204","20","-","1,224"]
["31to 60days past due","-","-","-","-","-","-","-","-"]
["6110 90 dayspastdue","-","-","-","-","-","-","-","-"]
["Over90days past due","-","-","-","-","-","-","-","-"]
["Total Undrawn Facilities","321813","ng","-","321932","1,204","20","-","1,224"]
["Total Exposure","1633418","43,581","55960","1,732,959","13.637","3,663","9,772","27072"]

{"sheet":"page_number193-table171","index":172,"n_rows":6,"n_cols":5,"rows_kept":6,"cut":false,"hidden":false,"merged":[[0,1,0,4]]}
[null,"Asat31 March 2023"]
[null,"Total £'000","Ofwhich Stage 2 £000","Ofwhich Stage3 £'000","ECLas% ofForborne Loans"]
["Retail","1353","216","1133","705%"]
["SME","1.252","1,036","4","227%"]
["Mortgages","53,565","0,775","21184","13%"]
["Total Loans in Forbearance","56,170","23,027","22,361","34%"]

{"sheet":"page_number193-table172","index":173,"n_rows":6,"n_cols":5,"rows_kept":6,"cut":false,"hidden":false,"merged":[[0,1,0,4]]}
[null,"As at 31 March 2022"]
[null,"Total £000","Ofwhich Stage 2 £000","Ofwhich Stage3 £000","ECLas% ofForborne Loans"]
["Retall","1.816","573","1188","60.5%"]
["SME","594","444","-","47%"]
["Mortgages","25,599","3779","7078","1.0%"]
["Total Loansin Forbearance","28,009","4796","8,266","49%"]

{"sheet":"page_number194-table173","index":174,"n_rows":15,"n_cols":6,"rows_kept":15,"cut":false,"hidden":false,"merged":[]}
[null,"Upto 3 months","3-12 months","1-3 years","3-5 years","QOver$S years"]
["Falr Value Hedges:"]
["Interest RateSwaps"]
["Notional (£'000)","334,000","721,000","1165000","2156,000","110.000"]
["Average Fixed Interest Rate %","im","1.09","170","332","286"]
["Cash FlowHedges:"]
["Interest Rate Swaps"]
["Notional (£'000}","-","-","10.000","200,000","-"]
["Average Fixed Interest Rate %","0.00","0.00","458","394","0.00"]
["31March 2022"]
[null,"Upto 3 months","312 months","1-3 years","3-5 years","Over 5 years"]
["FairValue Hedges:"]
["Interest Rate Swaps"]
["Notional (£000)","166,000","608000","1474000","748,000","324,000"]
["Average Fixed Interest Rate %","001%","009%","051%","055%","104%"]

{"sheet":"page_number196-table174","index":175,"n_rows":4,"n_cols":6,"rows_kept":4,"cut":false,"hidden":false,"merged":[[3,4,3,5],[2,4,2,5],[0,4,0,5],[0,3,1,3],[0,1,1,1]]}
[null,"Carrying Amount Assets £000","FairValue Adjustment on Hedged item","Changein FairValue Charge' £'000","Amount Remaining on ItemsDe- Designated from Hedge Relationships*"]
[null,null,"\" £1000",null,"£'0","00"]
["Fixed rate Loans and Advancesto Customers'","2.450000","66.295","59579","53549"]
["Debt Securities?","626000","23375","22198","19,088"]

{"sheet":"page_number196-table175","index":176,"n_rows":9,"n_cols":2,"rows_kept":9,"cut":false,"hidden":false,"merged":[]}
[null,"Cashflow hedging reserve £000"]
["Opening Balance","-"]
[". . . ChargeIn Fair Value of Derivativesin Effective Hedge Relationships:Interest Rate","16674"]
["sk Hedge",":"]
["| . |"]
["Net Amounts Reclassified to Profit or Loss from Derivatives: Interest Rate Risk","(2.443)"]
["Hedge","t"]
["Tax on Movements","(3.985)"]
["Closing balance","10,246"]

{"sheet":"page_number196-table176","index":177,"n_rows":9,"n_cols":6,"rows_kept":9,"cut":false,"hidden":false,"merged":[[0,4,1,4],[0,3,1,3],[0,2,1,2],[0,1,1,1]]}
[null,"Carrying Amount Assars","FairValue Adjustment on Hedged pom","Changein FairValue horse'","Remainingon ItemsDe- Designated from Hedge Relationships'","Change Hodnod Item used to determine Hedge"]
[null,null,null,null,null,"Inaffectivaness"]
["Fairvalue hedges:"]
["Fixed Rate"]
["Loansand Advancesto","3,843,000","126,063","53,531","155,683","_"]
["Customers®"]
["Debt Securities?","543,000","38,689","12,747","43,470","-"]
["Cashflow hedges"]
["Deposits Banks? Central","210,000","-","-","1,109","16,461"]

{"sheet":"page_number197-table177","index":178,"n_rows":15,"n_cols":4,"rows_kept":15,"cut":false,"hidden":false,"merged":[]}
["Net Foreign Exchange Exposure","Euro £'000","US Dollar £000","Total £000"]
["Loans and Advances to Banks","7000","3058","10058"]
["DebtSecurities","50181","32,827","83,008"]
["Loans and Advances to Customers","50","-","50"]
["DerivativeAsset!","79.708","7.261","86,969"]
["Interest Rate Swaps","-","-","-"]
["FX swaps","79708","7.261","86.969"]
["OtherAssets","502","685","1187"]
["Customer Deposits","(286.600)","(5513)","E4713)"]
["DuetoOther Banks _","-","_","_"]
["Darlvativa Lisbilities","156.905","12159","169064"]
["InterestRate Swaps","-","-","-"]
["FX Swaps","156905","12159","169.064"]
["OtherLiabilities","3396)","(1186)","(4582)"]
["'NetPosition","4.350","309)","2041"]

{"sheet":"page_number198-table178","index":179,"n_rows":6,"n_cols":4,"rows_kept":6,"cut":false,"hidden":false,"merged":[]}
["Key Management Personnel Compensation","31 March 2022 £'000","Net {ncrease/ (decrease) £'000","31 March 2023 £000"]
["Wagesand Salarles","2475","98","2273"]
["Social Security Costs","298","68","366"]
["Cost of Share Awards Schemes, Net of Tax","66","233","299"]
["Pension Contributions","0","1","1"]
["Total","2,539","400","2,939"]

{"sheet":"page_number198-table179","index":180,"n_rows":15,"n_cols":4,"rows_kept":15,"cut":false,"hidden":false,"merged":[]}
["Net Foreign Exchange Exposure","Euro £000","US Dollar £'000","Total £'000"]
["Loans and Advancesto Banks","7023","4,554","1577"]
["Debt Securities","93.036","-","93,036"]
["Loansand Advancesto Customers","21","-","21"]
["Derivative Asset'","103,763","7603","M,366"]
["Interest Rate Swaps","-","-","'="]
["FX Swaps","103763","7603","11,366"]
["OtherAssets","323","(993)","(670)"]
["Customer Deposits","(240,567)","(36.785)","(277352)"]
["DuetoOtherBanks","-","-","-"]
["Derivative Liabilities","46,398","26,61","73,009"]
["Interest Rate Swaps","-","-","-"]
["FX Swaps","46,398","2661","73,009"]
["OtherLiabilities","(8,008)","(1,441)","(9,449)"]
["Net Position","1989","{451}","1,538"]

{"sheet":"page_number198-table180","index":181,"n_rows":2,"n_cols":4,"rows_kept":2,"cut":false,"hidden":false,"merged":[]}
[null,"31 March 2022 £000","Net Increase/ (decrease) £000","31 March 2023 £000"]
["Balanceson DepositAccounts","647","(146)","501"]

{"sheet":"page_number199-table181","index":182,"n_rows":3,"n_cols":3,"rows_kept":3,"cut":false,"hidden":false,"merged":[]}
["Dividends Received by Parent Company","31 March 2023 £'000","31 March 2022 £'000"]
["Fleet Mortgages Limited","16,800","6,000"]
["Dividends Received trom Subsidiary Entities","16,800","6,000"]

{"sheet":"page_number199-table182","index":183,"n_rows":5,"n_cols":3,"rows_kept":5,"cut":false,"hidden":false,"merged":[]}
["Intercompany Income/ (Expense)in ParentCompany Income Statement","31 March 2023 £'000","31 March 2022 £'000"]
["Starling FS Services Limited","17103","10942"]
["Murmur Financial Services International DAC","29","59"]
["Fleet Mortgages Limited","(3,747)","(164)"]
["Intercompany Transactionswith theSubsidiary Entities","13,385","10,837"]

{"sheet":"page_number201-table183","index":184,"n_rows":30,"n_cols":7,"rows_kept":30,"cut":false,"hidden":false,"merged":[[0,4,0,6],[0,1,0,3]]}
[null,"Group",null,null,"Company"]
["Asat31 March2022","As Reported £'000","Reclassified £'000","As Restated £000","As Reported £'000","Reclassified £'000","As Restated £000"]
["Assets"]
["Loans and Advances to Banks","£105,459","1822","6107281","6101348","1822","6103170"]
["Debt Securities","2,306,886","-","2306886","2306886","-","2306886"]
["Loans and Advances to Customers","3173983","60690","3,234,673","3173983","60690","3234673"]
["Derlvative Assets","98,056","-","98,056","98,056","-","98.056"]
["Deferred Tax Asset","21985","-","21,985","21,446","-","21,446"]
["Other Assets","129,030","(62,395)","66635","120,012","(62,395)","57617"]
["Property, Plant andEquipmentand Rightof UseAssets","5904","-","5904","5320","-","5320"]
["IntangibleAssets","28.21","-","28.211","2","-","2"]
["Goodwill '","35890","-","35,890","-","-","-"]
["I tin Subsi and Intercompany Account","-","-","-","90,598","-","90,598"]
["TotalAssets","11,805,404","17","1.805521","11,917.651","17","11,912,768"]
["Liabilities"]
["Customer Deposits","9,027,296","n7","9027413","9,027610","17","9027727"]
["Deposits from Banks","2,281380","2441","2283821","2281380","2441","2,283821"]
["Derivative Liabilities","330","-","330","330","-","330"]
["Provisions for Liabilities and Charges","1,242","-","1,242","1,242","-","1,242"]
["OtherLiabilitiesandAccruals","141,055","(2.441)","138614","138,383","(2.447)","135942"]
["Deferred income","23,059","-","23059","14399","-","14399"]
["CurrentTax Liability","618","-","618","685","-","685"]
["Total Liabilities","11,474,980","17","1,475,097","11,464,029","117","1,464,146"]
["Equity"]
["Share Capital","n","-","Nn","n","-","n"]
["Share Premium","478,333","-","478,333","478333","-","478333"]
["Other Reserves","22525","-","22525","22438","-","22,438"]
["Accumulated Losses","(70.445)","-","(70,445)","(47160)","-","(47160)"]
["Total Equity","430,424","-","430.424","453,622","'=","453,622"]
["Total Liabilitiesand Equity","11,905,404","17","11,905,521","1.917651","17","1.917768"]

{"sheet":"page_number203-table184","index":185,"n_rows":8,"n_cols":5,"rows_kept":8,"cut":false,"hidden":false,"merged":[]}
["Country by Country'","Group 31March 2023","Group 31March 2022","Company 31 March 2023","Company 31 March 2022"]
["Turnover (£'000)","414,814","188,066","450440","204,246"]
["Profit before Tax (£000)","194,586","32,052","221683","42165"]
["Corporation TaxPaid (£'000)","(26,720)","(3,321)","(25,779)","(1,906)"]
["NumberofEmployeesonFullTime","2,762","1,941","2584","1,891"]
["Equivalent Basis"]
["SubsidyAmounts Recelved (£000)","-","-","-","-"]
["Jurlsdictions in which Operated","UK","UK","UK","UK"]