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The sections below outline the annual report. Figures and detail are in the file for each year.
The annual report summarises the company, its business structure and its main services: deposits, loans, structured finance and assets for sale.
The detail is in the published annual report for that year.
Operating results for the year are set out in the annual report and in that year's financial statements.
This page does not repeat those figures.
The company's risk-management framework is described in the annual report.
Material risks are those set out in the published report.
The governance section of the annual report describes the board structure and the practices the company follows.
Related policy documents are listed under investor-relations governance.
| Document | Year | Description | Download PDF |
|---|---|---|---|
| Annual report | 2025 | Published annual report | Download PDF |
| Annual report | 2024 | Published annual report | Download PDF |
| Annual report | 2023 | Published annual report | Download PDF |