5 Year Review Structured Product Review 2024

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Analysis and Annualised Performance by Product Shape - Autocall/Kick-Out Products (FTSE* Only) By Product Type Capital at Risk Deposits and Capital Protected Structured Product Maturities 2023 2022 2021 2020 2019 Average 2023 2022 2021 2020 2019 Average

FTSE Only Number of product maturities

300 295

307 307

227 227

40 40

97 97

194 193

31

20 20

4 4 0 0

1 1

15 15

14 14

Number of products producing positive returns Number of products returning capital only

29

5 0

0 0

0 0

0 0

0 0

1

2 0

0 0

0 0

0 0

0 0

Number of products which lost capital

0

Average duration / term (years) Average annualised return All products

2.46

2.54

2.47

2.33

2.15

2.45

3.97

3.91

3.00

3.00

3.00

3.68

7.17% 9.47% 5.04%

7.06% 9.28% 5.42%

7.23% 9.70% 5.45%

7.31% 9.59% 5.71%

7.41% 9.48% 5.71%

7.18% 9.47% 5.35%

3.72% 5.10% 1.89%

4.05% 5.27% 2.93%

4.99% 5.67% 4.31%

2.91%

3.72% 4.13% 2.97%

3.87% 4.90% 2.52%

Upper quartile Lower quartile

- -

FTSE Only Capital at Risk Autocall Plans 2019-23

FTSE Only Deposit Autocall Plans 2019-23

350

6

35

6

300

30

5

5

250

25

4

4

200

20

3

3

150

15

2

2

100 No. of Plans

10 No. of Plans

No. of Positive Returns No. Returning Capital Only Average Term (RHS)

No. of Positive Returns No. Returning Capital Only Average Term (RHS)

1

1

Average Term (Years)

Average Term (Years)

50

5

0

0

0

0

2023

2022

2021

2020

2019

Average

2023

2022

2021

2020

2019

Average

10%

6%

8%

4%

6%

4%

2%

All Products Upper Quartile

All Products Upper Quartile

2%

0% Average Annualised Returns

0% Average Annualised Returns

Lower Quartile

Lower Quartile

2023

2022

2021

2020

2019

Average

2023

2022

2021

2020

2019

Average

*FTSE 100 or FTSE CSDI which measures the performance of the same 100 shares in the same weightings as the FTSE 100 but accounts for dividends differently. The two are over 99% correlated, so we have therefore grouped the two underlyings for the purpose of this review and refer to them collectively as FTSE.

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