Five Year Performance Review 2023

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Analysis and Annualised Performance by Product Shape - Growth Products (All Products) By Product Type Capital at Risk Deposits and Capital Protected Structured Product Maturities 2022 2021 2020 2019 2018 Average 2022 2021 2020 2019 2018 Average

All products Number of product maturities

34 34

46 36 10

21

40 28

24 24

30 30

30 27

53 25 28

44 21 23

51 51

92 76 16

57 42 15

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

20

0 0

1

11

0 0

0 0

2 0

0 0

0

Number of products which lost capital Average duration / term (years)

0

1

0

0

0

0

5.92

4.63

6.01

5.92

5.63

5.71

5.84

4.61

5.35

5.34

5.89

5.27

Average annualised return All products

6.54% 8.63% 4.40%

2.93% 4.76% 0.13%

7.56% 3.98% 6.60% 8.05% 6.31% 9.76% 9.82% 8.51% 10.95% 9.56% 3.70% -2.41% 4.79% 5.50% 2.76%

1.75% 1.38% 3.15% 3.68% 2.75% 4.72% 3.85% 5.09% 5.81% 5.01% 0.00% 0.00% 1.27% 0.73% 0.48%

Upper quartile Lower quartile

Capital at Risk Growth Products 2018-22

Deposits and Capital Protected Growth Products 2018-22

45 40 35 30 25 20 15 10

6.05 6 5.95 5.9 5.85 5.8 5.75 5.7 5.65 5.6

100 90 80 70 60 50 40 30 20 10 0

6 5 4 3 2 1 0

No. of Positive Returns No. Returning Capital Only No. Realising Loss Average Term

No. of Positive Returns No. Returning Capital Only No. Realising Loss Average Term

No. of Plans

No. of Plans

Average Term (Years)

Average Term (Years)

5 0

2022

2021

2020

2019

2018

Average

2022

2021

2020

2019

2018

Average

10% 8% 6% 4% 2% 0%

6%

4%

2%

Lower Quartile All Products Upper Quartile

Lower Quartile All Products Upper Quartile

-2% -4% Average Annualised Returns %

0% Average Annualised Returns %

2022

2021

2020

2019

2018

Average

2022

2021

2020

2019

2018

Average

19

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