1. Underlying operating income for 2017 excludes a plan amendment gain realised on the closure of the group's pension schemes.
2. Profit before tax and earnings per share in 2017 include the impact of a plan amendment gain on the closure of the defined benefit pension schemes, acquisition-related costs and head office relocation costs. In both 2016 and 2017, profit before tax and earnings per share also include charges in relation to client relationships and goodwill.
3. Underlying profit before tax as a percentage of underlying operating income
4. Calculated as underlying profit after tax as a percentage of average equity at each quarter-end date