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Half-year Report

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CYBG PLC INTERIM FINANCIAL REPORT 2017 Continued momentum in asset growth and overall financial performance Underlying profit before tax up 15% - remain on track to deliver FY2017 guidance Continued delivery of full service omni-channel capability and launch of UK's first consumer innovation lab, Studio B H1 2017 highlights · Underlying profit before tax - up 15% to £123m - Net Interest Margin (NIM) stable at 226bps reflecting active margin management against a backdrop of a competitive market - Driving positive 'jaws' through income growth up 1.2% (£497m in H1 2017) and continued cost reduction - underlying costs £348m, £5m lower than H1 2016 - Underlying earnings per share (EPS) of 9.0p...

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