Ann: Final Results, page-8

Thanks for that. Good commentary.. One thing I would differ on is that it is a capital return story. Goldman Sach for instance have them on a running yield of over 20% for FY 19 based on them returning some of the capital they will free up when there risk weights on the mortgage book change from around 375% to 20%.. In addition Shaw and Partners have the normal dividend growing 16p a share by FY2019.. Its the best self help story in the market as well as having made some impressive headway in digital banking..