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[null,"Table of Contents"]
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[null,"Overview of risk management, key prudential metrics and RWA"]
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[null,"KM1","Key metrics (at consolidated group level)"]
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[null,"OV1","Overview of risk-weighted assets (RWA)"]

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[null,"KM1: Key metrics (at consolidated group level)",null,null,null,null,null,"Back to Contents"]
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[null,"The following table provides an overview of People First Bank's key metrics."]
[null,null,null,"a","b","c","d","e"]
[null,null,null,"2025-09-30","2025-06-30","2025-03-31","2024-12-31","2024-09-30"]
[null,"Available capital (amounts)",null,"$m","$m","$m","$m","$m"]
[null,1,"Common Equity Tier 1 (CET1)",1351,1345,1320,1299,1239]
[null,2,"Tier 1",1351,1345,1320,1299,1239]
[null,3,"Total capital ",1539,1535,1461,1441,1381]
[null,"Risk-weighted assets (amounts)"]
[null,4,"Total risk-weighted assets (RWA)",8842,8766,8777,8892,9013]
[null,"Risk-based capital ratios as a percentage of RWA "]
[null,5,"CET1 ratio (%)",0.15277659507162489,0.15345043689304291,0.15042757140157026,0.14612662460314657,0.13744747084185474]
[null,6,"Tier 1 ratio (%)",0.15277659507162489,0.15345043689304291,0.15042757140157026,0.14612662460314657,0.13744747084185474]
[null,7,"Total capital ratio (%) ",0.17409226688398555,0.17513284596232481,0.16640867097271458,0.16207753833397961,0.15319575060524465]
[null,"Additional CET1 buffer requirements as a percentage of RWA"]
[null,8,"Capital conservation buffer requirement (2.5% from 2019) (%)",2.5000000000000001E-2,2.5000000000000001E-2,2.5000000000000001E-2,2.5000000000000001E-2,2.5000000000000001E-2]
[null,9,"Countercyclical buffer requirement (%)",0.01,0.01,0.01,0.01,0.01]
[null,11,"Total of bank CET1 specific buffer requirements (%)",3.5000000000000003E-2,3.5000000000000003E-2,3.5000000000000003E-2,3.5000000000000003E-2,3.5000000000000003E-2]
[null,12,"CET1 available after meeting the bank’s minimum capital requirements (%) (1)",0.10777659507162489,0.10845043689304291,0.10542757140157026,0.10112662460314657,9.2447470841854743E-2]
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[null,"Notes"]
[null," (1) CET1 available after meeting the bank’s minimum capital requirements is calculated as the CET1 ratio, less the minimum CET1 capital requirement (4.5%)"]

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[null,"OV1: Overview of risk-weighted assets (RWA)",null,null,null,"Back to Contents"]
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[null,"The following table provides an overview of People First Bank's risk weighted assets (RWA) and the related minimum capital requirement."]
[]
[null,null,null,"a","b","c"]
[null,null,null,"RWA",null,"Minimum capital requirements"]
[null,null,null,"2025-09-30","2025-06-30","2025-09-30"]
[null,null,null,"$m","$m","$m"]
[null,1,"Credit risk (excluding counterparty credit risk) ",7943,7911,635]
[null,2,"Of which: standardised approach (SA)",7943,7911,635]
[null,6,"Counterparty credit risk (CCR)",6,8,0]
[null,9,"Of which: other CCR",6,8,0,null,null,null,null,null,null,null," "]
[null,16,"Securitisation exposures in banking book",17,18,1]
[null,18,"Of which: securitisation external ratings-based approach",16,17,1]
[null,19,"Of which: securitisation standardised approach (SEC-SA)",1,1,0]
[null,24,"Operational risk",876,829,70]
[null,29,"Total ",8842,8766,706]