Five Year Performance Review 2023

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Analysis and Annualised Performance by Product Shape - Growth Products (Non-FTSE Only) 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

Non-FTSE Only Number of product maturities

0

9 3 6 0

3 3 0 0

17 14

4 4 0 0

1 1

5 6

12

21 13

18 18

40 24

20

- - - - - - -

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

4 8 0

12

2

0 0

1

8 0

0 0

16

8 0

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

1

0

0

5.00

6.01

5.95

6.00

6.00

5.97

5.34

5.48

5.39

5.87

5.56

Average annualised return All products

0.37% 1.64% 0.00%

9.55% 4.94% 6.68% 7.94% 5.89%

0.63% 1.81% 2.35% 2.35% 2.04% 2.18% 3.94% 4.39% 5.14% 4.49% 0.00% 0.00% 0.70% 0.00% 0.14%

Upper quartile Lower quartile

10.49% 11.10% 7.55% - 8.91% -5.17% 5.34% -

10.01% -1.59%

Non-FTSE Only Capital at Risk Growth Products 2018-22

Non-FTSE Only Deposits and Capital Protected Growth Products 2018-22 45 40 35 30 25 20 15 10

18 16 14 12 10

6.02 6.01 6 5.99 5.98 5.97 5.96 5.95 5.94

6 5.8 5.6 5.4 5.2 5 4.8

8 6 4 2 0

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

No. of Positive Returns No. Returning Capital Only 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

12% 10%

6%

8% 6% 4% 2% 0%

4%

2%

Lower Quartile All Products Upper Quartile

Lower Quartile All Products Upper Quartile

-2% -4% -6% Average Annualised Returns %

0% Average Annualised Returns %

2022

2021

2020

2019

2018

Average

2022

2021

2020

2019

2018

Average

21

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