Lowes Annual Performance Review 2025

Analysis and Annualised Performance by Product Shape - Autocall/Kick-Out Products

Analysis and Annualised Performance by Product Shape - Growth Products

By Product Type

By Product Type

Capital at Risk

Structured Deposits

Capital at Risk

Structured Deposits

Structured Product Maturities

Structured Product Maturities

All products

Lowes ‘Preferred’ products

All products

Lowes ‘Preferred’ products

All products

Lowes ‘Preferred’ products

All products

Lowes ‘Preferred’ products

Number of product maturities

476

99 99

10 10

3 3 0 0

Number of product maturities

14 14

8 8 0 0

25

0

Number of products producing positive returns 474

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

18

- - - - - - -

Number of products returning capital only Number of products which lost capital

0 2

0 0

0 0

0 0

7 0

Number of products which lost capital

Average duration / term (years)

2.32

2.90

4.40

6.34

Average duration / term (years)

5.86

6.01

4.64

Average Annualised Returns

Average Annualised Returns

All products

7.98%

8.51%

3.04% 4.83% 1.69%

4.57% 5.25% 3.99%

All products

7.93%

7.10%

2.28%

Upper quartile Lower quartile

10.08% 10.33% 5.88% 7.06%

Upper quartile Lower quartile

11.32% 8.25% 5.07% 5.60% 6.20% 0.00%

FTSE 100 and FTSE CSDI Indices Only*

FTSE 100 Only

Capital at Risk

Structured Deposits

Capital at Risk

Structured Deposits

Structured Product Maturities

Structured Product Maturities

All products

Lowes ‘Preferred’ products

All products

Lowes ‘Preferred’ products

All products

Lowes ‘Preferred’ products

All products

Lowes ‘Preferred’ products

Number of product maturities

363

99 99

9 9 0 0

3 3 0 0

Number of product maturities

12 12

8 8 0 0

17 17

0

Number of products producing positive returns 363

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

- - - - - - -

Number of products returning capital only Number of products which lost capital

0 0

0 0

0 0

0 0

Number of products which lost capital

Average duration / term (years)

2.30

2.90

4.11

6.34

Average duration / term (years)

6.01

6.01

4.47

Average Annualised Returns

Average Annualised Returns

All products

7.84%

8.51%

2.85% 4.86% 1.69%

4.57% 5.25% 3.99%

All products

6.98% 8.66% 5.14%

7.10% 8.25% 6.20%

3.30% 5.53% 1.30%

Upper quartile Lower quartile

9.54% 10.33% 6.32% 7.06%

Upper quartile Lower quartile

Non-FTSE 100 / CSDI Indices Only

Non-FTSE 100 Only

Capital at Risk

Structured Deposits

Capital at Risk

Structured Deposits

Structured Product Maturities

Structured Product Maturities

All products

Lowes ‘Preferred’ products

All products

Lowes ‘Preferred’ products

All products

Lowes ‘Preferred’ products

All products

Lowes ‘Preferred’ products

Number of product maturities

113

0

1 1

0

Number of product maturities

2 2 0 0

0

8

0

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

111

- - - - - - -

- - - - - - -

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

- - - - - - -

1

- - - - - - -

0 2

0 0

7 0

Number of products which lost capital

Number of products which lost capital

Average duration / term (years)

2.38

7.01

Average duration / term (years)

5.01

5.01

Average Annualised Returns

Average Annualised Returns

All products

8.41% 11.32% 4.63%

4.76%

All products

13.66% 14.85% 12.46%

0.11%

Upper quartile Lower quartile

- -

Upper quartile Lower quartile

0.44% 0.00%

*The FTSE CSDI 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 – we have therefore grouped the two underlyings together for the purpose of the review.

14

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