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The consensus summary was produced in April 2023 and prior to that was last updated in January 2023. Consensus figures in the tables above are based on forecasts to the extent they were provided by 13 analysts who have updated models since the Q1 23 Trading Update published by Virgin Money UK PLC (“Virgin Money”) and its subsidiaries dated 01 February 2023.

Previously Virgin Money has included fair value adjustments arising from hedge ineffectiveness in the underlying non-interest income line in the underlying P&L. With effect from Virgin Money’s 2023 Interim Financial Results, to give a clearer picture of operational performance these fair value adjustments arising from hedge ineffectiveness will be moved out of underlying non-interest income, to be included with exceptional items as an adjustment to underlying earnings. Prior period comparatives will also be restated accordingly. All analyst models included in the consensus summary have had this change reflected. Figures provided by analysts that do not relate to a specific line item have been excluded.

The consensus summary is publicly available information based on information, opinions, conclusions, estimates and/or forecasts provided by independent analysts. It has not been produced, verified, supported or updated by Virgin Money. No representation or warranty, expressed or implied, is made to the fairness, accuracy, completeness or correctness of the information, opinions, estimates, forecast, and/ or conclusions contained in the consensus summary. It is provided for information purposes only and is not intended to nor does it constitute or form part of any investment advice, offer to sell or issue, or invitation to purchase, or any solicitation of any offer to purchase, any assets, securities or other financial instruments of Virgin Money or any of its subsidiaries or affiliates. It has been prepared without taking into account the objectives, financial situation or needs of individuals. No part of it forms the basis of, or can be relied on in connection with, any contract or investment or credit decision or recommendation. The receipt and/ or distribution of the consensus summary may, in certain jurisdictions, be restricted by law. Recipients are required to inform themselves about and observe any such restrictions.

The consensus summary may contain forward looking statements, estimates and/ or forecasts, which are based on assumptions, expectations, valuations, targets and/ or projections about future events. These are subject to risks and uncertainties about Virgin Money and its group, and their securities, investments and operating environment (including but not limited to the repercussions of the outbreak of coronaviruses such as COVID-19, the UK’s exit from the EU, Russia’s invasion of Ukraine and any referendum on Scottish independence, and any UK or global cost of living crisis or recession), meaning actual results may differ from those estimated or forecast in the consensus summary. Neither Virgin Money nor any other entity or person (a) makes any representation or warranty, express or implied, as to the accuracy, fairness, completeness or sufficiency of the consensus summary, (b) accepts any liability or responsibility whatsoever (whether in contract, tort or otherwise) for the consensus summary or decisions or actions taken based on the consensus summary, or (c) undertakes to update, revise or supplement the consensus summary.