Lowes SPR 5 Year Review | ARCUS

StructuredProductReview. com

Analysis and Annualised Performance 2018 - 2022 (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

554 554

80 70 10

459 444

173 133

243 236

270 268

340 327

70 39 31

62 30 32

91 79 12

115 94

84 62

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

0 0

9 6

24 16

3 4

2 0

8 5

21

21

0

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

0

0

0

0

0

3.04

4.63

3.19

4.53

3.32

2.96

3.26

4.69

5.49

5.13

5.67

5.16

Average annualised return All products

6.89% 9.15% 4.98%

3.41% 4.99% 1.20%

6.82% 4.22% 6.74% 7.55% 6.68% 9.57% 9.22% 9.38% 9.66% 9.38% 4.23% -4.01% 3.81% 5.62% 3.80%

2.13% 1.55% 3.05% 3.53% 2.87% 4.87% 4.01% 5.07% 5.63% 5.02% 0.00% 0.00% 0.55% 0.52% 0.49%

Upper quartile Lower quartile

Capital at Risk Plans 2018-22

Deposits and Capital Protected Plans 2018-22

6

600

140 120 100

6

5

500

5

4

400

4

80 60 40 20 0

3

300

3

Positive Returns Capital Only Lost Capital Average Term

2

200

2

Positive Return Capital Only Average Term

1

100

1

0

0

0

Average

2022

2021

2020

2019

2018

Average

2022

2021

2020

2019

2018

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

6%

4%

2%

All Products Upper Quartile

All Products Upper Quartile

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

0% Average Annualised Returns %

Lower Quartile

Lower Quartile

2022

2021

2020

2019

2018

Average

2022

2021

2020

2019

2018

Average

9

StructuredProductReview.com