Q3 INTERIM MANAGEMENT STATEMENT Presentation to analysts and investors | 31 October 2019 Solid financial performance in a challenging environment - Net income of £13.0bn, 3% lower, with NIM of 289bps - Continued reduction in total costs, down 5%, with BAU costs down 6% and cost:income ratio further improved to 46.5% - Credit quality remains strong; net AQR increased to 29bps including a single large corporate charge in Q3 Q3 2019 Year to date | --- | --- | --- | |---------------------------------------|---- ...