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Our performance: more than meeting our targets in the first full year<br />
We have made steady progress in our first full year of operation. In the year to 30 April <strong>2018</strong>, we achieved a<br />
break-even position, well ahead of our original business plan.<br />
30 April 2017 30 April <strong>2018</strong><br />
£450m<br />
£425m<br />
£400m<br />
£375m<br />
23.7%<br />
£350m<br />
£325m<br />
COMMON EQUITY TIER 1 RATIO<br />
£300m<br />
£275m<br />
£250m<br />
£225m<br />
£200m<br />
3.68%<br />
£175m<br />
£150m<br />
£125m<br />
NET INTEREST MARGIN<br />
£100m<br />
£75m<br />
£50m<br />
£25m<br />
£0m<br />
NO<br />
CREDIT<br />
LOSSES<br />
-£25m<br />
PROFIT/BEFORE TAX CUSTOMER DEPOSITS LENDING BOOK<br />
CREDIT QUALITY<br />
4 | <strong>Wyeland</strong>s Bank <strong>Annual</strong> <strong>Report</strong> Summary <strong>2018</strong>