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      "text": "Met our 900+ physical footprint ambition; 51 channel tNPS Score vs. 41 in FY23; 36% reduction in customer complaints YoY; Multi-brand and partnership strategy (Tesco Bank, Amazon, Avios); 15% HLTV mix vs 9% in FY23; +1 million card acquisitions, +58% vs. FY23; Completed acquisition of Tesco Bank",
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      "text": "Including branches, alternative touchpoints, shared banking hubs, and Eagle Lab incubation hubs | tNPS metric represents our retail colleague led channels, as at December 2024 | High loan-to-value mortgages reflecting 85%+ loan-to-value | Based on residential flow mortgages. 6% HLTV mix stated at the February 2024 Investor Update was based on stock mortgages",
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