The performance of the Banking operations has been presented as a discontinued operation to the date of disposal. The Insurance and Money Services business has been presented on a continuing basis and therefore within headline performance measures.

 Δ Alternative performance measures (APMs) – the Group has defined and outlined the purpose of its APMs in the Glossary starting on page 228 of the annual report.

1. Group sales exclude VAT and fuel.
2. Adjusted operating profit and Adjusted diluted EPS exclude the impact of adjusting items. Refer to Note 5 on page 151.
3. Net debt now includes Insurance and Money Service, with the prior year reported on a consistent basis. The impact of the prior year is to reduce Net debt by £80m. Further information on Net debt can be found in Note 32 on page 209.
4. Free cash flow is an APM defined and outlined in the Glossary starting on page 228. See the Glossary starting on page 228 for details of changes to APMs.