In our balance sheet, we're going to skip over cash and balances until a little bit later. We need to do something else first and we'll skip over loans and advances to banks. Again, we'll do something else first. So loans and advances to customers. I know that's going to be a growth assumption. So I start off with equals, open brackets, one plus. I now go up to my assumption. Let's have a read through it together. My loans and advances to customers is a 90% growth, so I times one plus 90% and multiply that by last year's figure. Huge jump. This is Metro Bank growing very quickly. Next up, my available for sale assets is also growth assumption. So I start with equals one plus.

Available for sale assets, 0% growth. So times that by last year. Held to maturity investment securities.

It's 1,500.

I'm going to skip over tangibleand intangible assets. We need to do a calculation for them. Deferred tax assets are 10% of your available for sale assets and your other assets. Lastly is a fixed number of 51. Now, one of those that we skipped over was cash and balances at Central Bank. Now, that actually relies on loans and advances to customers. That's why we wanted to do that first. So I now go up to my assumption for cash. It's 3.5% of loans and advances to customers.

That comes to 235.6. So ones that we've missed, tangible and intangibles, we need to do a calculation there, and loans and advances to banks. We need to do a little bit more work for that. Let's copy what we've done to the right and I can now see those figures into our forecast year into column J.