Modelo de calidad de producto de software (calidad interna y

The interim financial statements comprise:

● the consolidated balance sheet as at 30 September 2015;

● the consolidated income statement and consolidated statement of comprehensive income for the period then ended;

● the consolidated cash flow statement for the period then ended;

● the consolidated statement of movements in members' interests and equity for the period then ended;

and

● the explanatory notes to the interim financial statements.

The interim financial statements included in the interim results have been prepared in accordance with International Accounting Standard 34, ‘Interim Financial Reporting’, as adopted by the European Union and the Disclosure Rules and Transparency Rules of the United Kingdom’s Financial Conduct Authority.

As disclosed in note 2 to the interim financial statements, the financial reporting framework that has been applied in the preparation of the full annual financial statements of the Group is applicable law and International Financial Reporting Standards (IFRSs) as adopted by the European Union.

Responsibilities for the interim financial statements and the review

Our responsibilities and those of the directors

The interim results, including the interim financial statements, are the responsibility of, and have been approved by, the directors. The directors are responsible for preparing the interim results in accordance with the Disclosure Rules and Transparency Rules of the United Kingdom’s Financial Conduct Authority.

Our responsibility is to express a conclusion on the interim financial statements in the interim results based on our review. This report, including the conclusion, has been prepared for and only for the Society for the purpose of complying with the Disclosure Rules and Transparency Rules of the United Kingdom’s Financial Conduct Authority and for no other purpose. We do not, in giving this conclusion, accept or assume responsibility for any other purpose or to any other person to whom this report is shown or into whose hands it may come save where expressly agreed by our prior consent in writing.

We conducted our review in accordance with International Standard on Review Engagements (UK and Ireland) 2410, ‘Review of Interim Financial Information Performed by the Independent Auditor of the Entity’

issued by the Auditing Practices Board for use in the United Kingdom. A review of interim financial information consists of making enquiries, primarily of persons responsible for financial and accounting matters, and applying analytical and other review procedures.

A review is substantially less in scope than an audit conducted in accordance with International Standards on Auditing (UK and Ireland) and, consequently, does not enable us to obtain assurance that we would become aware of all significant matters that might be identified in an audit. Accordingly, we do not express an audit opinion.

We have read the other information contained in the interim results and considered whether it contains any apparent misstatements or material inconsistencies with the information in the interim financial statements.

PricewaterhouseCoopers LLP Chartered Accountants London

19 November 2015 Notes:

a) The maintenance and integrity of the Nationwide Building Society website is the responsibility of the directors; the work carried out by the auditors does not involve consideration of these matters and, accordingly, the auditors accept no responsibility for any changes that may have occurred to the interim financial statements since they were initially presented on the website.

b) Legislation in the United Kingdom governing the preparation and dissemination of financial statements may differ from legislation in other jurisdictions.

The interim results information set out in this announcement is unaudited and does not constitute accounts within the meaning of section 73 of the Building Societies Act 1986.

The financial information for the year ended 4 April 2015 has been extracted from the Annual Report and Accounts 2015. The Annual Report and Accounts 2015 have been filed with the Financial Conduct Authority, the Prudential Regulation Authority and the Registrar of Companies. The Auditors’ Report on the Annual Report and Accounts 2015 was unqualified.

Nationwide has adopted the British Bankers’ Association Code on Financial Reporting Disclosure (‘the BBA code’) in its Annual Report and Accounts 2015. The code sets out five disclosure principles together with supporting guidance. Full details of the principles are included in the Annual Reports and Accounts 2015.

These principles have been applied, as appropriate, in the context of these interim results.

A copy of the Interim Results is placed on the website of Nationwide Building Society. The directors are responsible for the maintenance and integrity of information on the Society’s website. Information published on the internet is accessible in many countries with different legal requirements. Legislation in the United Kingdom governing the preparation and dissemination of financial statements may differ from legislation in other jurisdictions.

GLOSSARY

Definitions used in the Interim Results for the period ended 30 September 2015 are in line with the glossary in the Annual Report and Accounts 2015. In addition, further items relevant to the Interim Results are defined below.

Customer satisfaction measure Definition

“We have also continued¹ to deliver better customer satisfactionthan our high street peer group”

(page 3)

Customer service satisfaction in all instances is measured as the proportion of extremely/very satisfied customers minus proportion of extremely/very/fairly dissatisfied customers summed across current account, mortgage and savings.

The high street peer group is defined as providers with main current account market share >6% (Barclays, Halifax, HSBC, Lloyds Bank (inc C&G), NatWest and Santander). Prior to April 2015, Lloyds Bank and TSB combined as Lloyds TSB Group (including Lloyds Bank, TSB and C&G).

1 © GfK 2015 (FRS), Financial Research Survey (FRS), 3 months ending March 2015, September 2015, c15,000 adults interviewed per quarter.

2 © GfK 2015 (FRS), Financial Research Survey (FRS), 3 months ending September 2015.

3 © GfK 2015 (FRS), Financial Research Survey (FRS), 3 months ending March 2015.

“First for customer service satisfaction amongst our high street peer group: lead of 4.1%²”

(page 4)

“We have remained¹ first for customer satisfactionamongst our high street peer group”

(page 6)

“We were ranked number one for customer satisfaction amongst our high street peer group and our lead over our nearest competitor now stands at 4.1%² (March 2015: 4.5%³).”

(page 7)

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