We delivered operating profit of £4,900,000,000 for the 1st 9 months, which is up 33% on the prior year, with attributable profit of GBP3,200,000,000 Income was GBP10,900,000,000 and costs for £5,600,000,000 Our costincome ratio was just under 50%, with some benefit from foreign exchange gains, and we are on track to meet our cost target of £7,600,000,000 for the year. Our balance sheet remains strong, and our funding is well diversified with with £424,000,000,000 in deposits, £358,000,000,000 of customer loans and a loan to deposit ratio of 83%. We remain committed to a 40% payout ratio with capacity for buybacks and have paid or accrued £1,100,000,000 in dividend payments in the 1st 9 months. In addition to the directed buyback of £1,300,000,000 in May, We have also carried out almost half of the €500,000,000 on market buyback announced in July. Taken together, This represents distributions of GBP 2,900,000,000 more than 90% of our 9 month attributable profit and brings our CET1 ratio to 13.5%.