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Quilter 2026 Half Year Results 6 August 2026
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Disclaimer This presentation should be read in conjunction with the announcement published by Quilter plc on 6 August 2026. This presentation may contain forward-looking statements with respect to certain Quilter plc’s plans and its current goals and expectations relating to its future financial condition, performance and results. By their nature, all forward-looking statements involve risk and uncertainty because they relate to future events and circumstances which are beyond Quilter plc’s control, including, amongst other things, international and global economic and business conditions; the implications and economic impact of global conflicts, economic and political uncertainty, market related risks such as fluctuations in interest rates, inflation, deflation, equity markets, credit markets, and exchange rates, the policies, actions and timing of decisions by regulatory authorities, changes in laws, tax policy or regulations in the jurisdictions in which Quilter plc and its affiliates operate; and impact of competition within the financial services industry. Forward-looking statements are also subject to risks relating to operational and technological resilience, including cybersecurity threats, data breaches, system failures, IT infrastructure changes, and dependence on third party suppliers and outsourcing partners. Additional uncertainties may arise from evolving consumer behaviours, demographic trends, and the broader macroeconomic environment, as well as the timing, completion and integration of any future acquisitions, divestments or business combinations. These and other factors could cause Quilter plc’s actual future financial condition, performance and results to differ materially from the plans, goals and expectations expressed or implied by forward looking statements. Quilter plc therefore cautions readers not to place undue reliance on such statements, which speak only as of the date made, and undertakes no obligation to update publicly or revise this presentation or any forward-looking statements, whether as a result of new information, future events or otherwise, except as required by applicable law. Nothing in this presentation should be construed as a profit forecast. Nothing in this presentation shall constitute an offer to sell or the solicitation of an offer to buy any securities.
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3 Our three key areas of focus Building Distribution Increase the number of advisers driving flows into our investment solutions and onto our platform. Driving efficiency Modernise our process by investing in new technology and removing complexity and legacy costs. Building Distribution Be more responsive to customers and the market, continue to reinvigorate our investment solutions and be more competitive on platform pricing. Steven Levin Chief Executive Officer Introduction
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Key figures H1 2026: strong results Highlights H1 2026: Core net inflows £6.0bn +32% y-o-y Core net flows as % of AuMA 9% +1 ppt Operating margin 30% Unch’ y-o-y Adjusted PBT £112m +12% y-o-y Adjusted diluted EPS 6.1p +13% y-o-y Share buyback progress £68m returned¹ 4 1. As at 31 July 2026.
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0.7 1.7 4.5 6.0 0 1 2 3 4 5 6 7 8 9 10 11 12 13 H1 23 H1 24 H1 25 H1 26 Group flows: continuing our excellent momentum 5 Core gross inflows1 £bn Core net inflows1 £bn 3%1% Annualised net inflows/ opening AuMA2 Core gross outflows1 £bn 1. Totals include Inter-segment dual assets that reflect funds managed by Quilter Cheviot and administered by Quilter Investors and the Quilter Cheviot managed portfolio serv ice solutions available to advisers on the Quilter Investment Platform. 2. Discrete half-year net inflows/opening AuMA on an annualised basis. 4.8 5.7 4.9 5.9 0 1 2 3 4 5 6 7 8 9 10 11 12 13 H1 23 H1 24 H1 25 H1 26 5.5 7.4 9.4 11.9 0 1 2 3 4 5 6 7 8 9 10 11 12 13 H1 23 H1 24 H1 25 H1 26 9%8% +29% CAGR +109% CAGR
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93 94 102 119 0 20 40 60 80 100 120 H1 23 H1 24 H1 25 H1 26 Platform: growing our franchise 6 Assets under administration £bn 69.4 80.0 92.0 117.9 0 20 40 60 80 100 120 H1 23 H1 24 H1 25 H1 26 Net management fees £m Gross inflows and QLT market share¹ £bn 1. Gross inflow market share source: Fundscape . 4.0 5.6 7.7 9.6 0 1 2 3 4 5 6 7 8 9 10 H1 23 H1 24 H1 25 H1 26 12% 14% 17% +9% CAGR +19% CAGR +34% CAGR +17% 18%
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Dual channel distribution: growing and broadening our adviser reach 7 Quilter channel: improved productivity IFAs: broader and deeper relationships 0.0 0.5 1.0 1.5 2.0 2.5 3.0 1,000 1,100 1,200 1,300 1,400 1,500 1,600 H1 23 H1 24 H1 25 H1 26 £3.9m£3.3m£3.2m£2.7m 0 200 400 600 800 1,000 1,200 FY 23 FY 24 FY 25 RFP headcount and productivity Number of RFPs // £bn IFA firms by quantum of gross sales to Platform Number of IFA firms +426 firms +34% +59% +152% Growth in firms FY23-25
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0.0 1.0 2.0 3.0 4.0 5.0 6.0 -8% -4% 0% 4% 8% 12% Platform: delivering market leadership 8 “The current top three (advised) platforms by assets are Nucleus (£110bn), Quilter (£105bn) and Transact (£77bn). By 2030, on Fundscape's realistic scenario, Quilter overtakes Nucleus to lead the market at £220bn, with Nucleus second at £194bn and Transact holding third at £169bn.” - Fundscape, Platform Leaders, Laggards, Leapfroggers and Lynchpins report, May 2026 Source: Fundscape. Aberdeen represents “Adviser” only; AJ Bell represents “Advised” only. Size of bubble represents AuMA. 1. Excludes Platform peers with <£30bn AuMA. Q1 2026 gross sales (£bn) Q1 2026 net flows/opening AuMA (annualised) Aberdeen Transact AJ Bell Quilter Platform Quilter Platform peer Q1’26 flow and AuMA comparison1 Aegon Nucleus Fidelity Aviva Advance True Potential
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0 10 20 30 40 50 60 70 H1 23 H1 24 H1 25 H1 26 Quilter Solutions: growing our franchise 9 Assets under management and QLT MPS market share¹,² £bn 11.5 16.3 21.0 29.3 12.6 11.8 11.1 12.0 0 5 10 15 20 25 30 35 40 45 50 H1 23 H1 24 H1 25 H1 26 Net management fees £m Gross inflows £bn 1. Includes ‘Other’ AuM of £1.5bn, £1.6bn, £1.6bn and £1.7bn for H1 2023, H1 2024, H1 2025 and H1 2026, respectively. 2. NextWealth MPS 2026 Asset Update Report, June 2026, representing only Quilter’s WealthSelect MPS AuM as a percentage of total market MPS assets at Q1 23, Q1 24, Q1 25 and Q1 26. 2.1 2.7 2.9 4.1 0 1 1 2 2 3 3 4 4 5 H1 23 H1 24 H1 25 H1 26 11% 12% 12% Fund of Funds Managed Portfolio Service 13% Fund of Funds Managed Portfolio Service 54 53 56 33.7 29.7 25.6 (12%) CAGR +37% CAGR 68 Other +24% CAGR 43.0 (2%) CAGR +37% CAGR +21% Other
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Quilter WealthSelect MPS on Platform: delivering market leadership 10 1. NextWealth MPS Comparison Report June 2023, 2024, 2025 and 2026. MPS AuMA1 £bn 5.8 6.5 7.1 7.2 8.7 9.8 11.2 12.6 21.0 26.0 0 2 4 6 8 10 12 14 16 18 20 22 24 26 28 30 7IM Titan Brooks Macdonald Omnis LGT Wealth RBC BD Parmenion Timeline Tatton IM Quilter WealthSelect Q1 2023 Q1 2024 Q1 2025 Q1 2026 Q2’26 £29.3bn
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95 98 99 111 0 20 40 60 80 100 120 H1 23 H1 24 H1 25 H1 26 Quilter Cheviot: growing our franchise 11 Assets under management £bn 25.9 28.7 30.0 35.2 0 5 10 15 20 25 30 35 40 H1 23 H1 24 H1 25 H1 26 Net management fees £m Gross inflows £bn 1.2 1.5 1.5 1.8 0.0 0.5 1.0 1.5 2.0 H1 23 H1 24 H1 25 H1 26 +5% CAGR +11% CAGR +16% CAGR +12% Ambition to deliver mid-single digit net flows as % of oAuMA and mid-20s operating margin
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Quilter’s position of strength 12 1. Internal Platform sales analysis – based on sales matrix data. 2. Fundscape, H1 2026 advised platform market gross flows. 3. Fundscape. 4. NextWealth MPS Comparison Report June 2026. Quilter Platform: 97% Quilter channel gross flows onto Platform vs c.50% at IPO. 22ppts increase in gross sales market share across top 30 IFA firms using the Platform (FY23, 46% – FY25, 68%).¹ 18% Advised platform gross flow market share.² 50% of advised platform market net flows in 2025.3 Quilter Solutions: 13% WealthSelect’s MPS market share.4 Quilter Cheviot: #1 High Net Worth net flows amongst Listed peers. Consolidation of an industry by flows
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13 Our three key areas of focus Building Distribution Increase the number of advisers driving flows into our investment solutions and onto our platform. Driving efficiency Modernise our process by investing in new technology and removing complexity and legacy costs. Building Distribution Be more responsive to customers and the market, continue to reinvigorate our investment solutions and be more competitive on platform pricing. Mark Satchel Chief Financial Officer Introduction
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Good revenue growth £379m¹ +12% y-o-y In-line cost growth £267m +13% y-o-y Adjusted profit before tax £112m +12% y-o-y Stable operating margin 30% Unch’ y-o-y Remain well capitalised 202%² Solvency II +2ppts H1 2026 results: strong performance 2. After payment of Interim Dividend. 1. 40bps revenue margin, (2bps) y-o-y. 14
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100 112 Operating expenses £m Excellent flows supporting strong profit growth 15 Average AuMA £bn – Reported basis Revenue¹ £m Net management fee: +16% Revenue margin (bps) Other revenue: +6% Adjusted profit before tax £m 30% 30% Operating margin Adjusted diluted EPS Pence 42 40 Investment revenue: (6%) Core net inflows £bn 4.5 6.0 H1 2025 H1 2026 +32% 122.1 148.2 H1 2025 H1 2026 +21% 257 298 48 5132 30 H1 2025 H1 2026 337 379 +12% 237 267 H1 2025 H1 2026 +13% H1 2025 H1 2026 +12% 5.4 6.1 H1 2025 H1 2026 +13% 1. Net management fee includes interest earned on client holdings in Quilter Cheviot and Quilter Investment Platform. Investment revenue includes interest on shareholder cash balances (including cash at bank and money market funds).
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£111bn £41bn £33bn Administered assets Managed assets Advised assets Segment revenues: revenue momentum offsetting lower interest rates 16 Affluent High Net Worth H1 2026 revenues H1 2026 revenues1 Revenue margins in the above, represents the revenue margins Quilter retains. 1. Affluent Advised asset revenue of £39 million includes £1 million of ‘other’. 2. Quilter retains 15-20% of all fees generated by Quilter Financial Planning advisers. 3. Includes initial and Mortgage and Protection. 4. 2026 YTD average assets. +12% Y-o-Y+13% Y-o-Y £34bn £4bn Managed assets Advised assets 66bps IM fee c.65bps advice fee £111m £12m £126m Investment revenue £3m £119m £68m £39m 22bps Platform fee Share of fees2,3 34bps management fee £246m £20m Investment revenue 4 44 4 4 +17% Y-o-Y +21% Y-o-Y +12% Y-o-Y
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Costs: expenses in line with guidance Cost analysis (£m) As a percentage of revenues H1 2026 H1 2025 H1 2026 H1 2025 Support staff costs 55 50 Operations 7 6 Technology 13 12 Property 15 13 Other base costs¹ 18 15 Sub-total base costs 108 96 28% 29% Revenue-generating staff base costs 66 56 18% 17% Variable staff compensation 43 39 11% 11% Other variable costs² 38 31 10% 9% Sub-total variable costs 147 126 39% 37% Regulatory/Insurance costs 12 15 3% 4% Total operating expenses 267 237 70% 70% Numbers may not cast due to rounding. 1. Other base costs includes depreciation and amortisation, audit fees, shareholder costs, changes in customer redress provisions and listed Group and governance costs. 2. Other variable costs includes FNZ costs, development spend, marketing, brand and corporate functions variable costs. Expense progression in line with guidance £m 17 147 160 97 5 (5) 7 3 97 13 10 H2 25 Inflation Simplification Business investment Other H1 26 257 267 Head Office High Net Worth Affluent –% +9%
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Segment financials: strong respective contributions 18 Total net revenuesTotal net revenues Operating expensesOperating expenses Adjusted profit before taxAdjusted profit before tax Operating margin 30% unch’ Y-o-Y £86m £29m +9% Y-o-Y +21% Y-o-Y £112m1 Adjusted profit before tax Operating margin 23% +2ppt Y-o-Y Operating margin 35% (1)ppt Y-o-Y 1. Includes Head Office £7m net revenue and £10m operating expenses. £126m £97m £29m £246m £160m £86m High Net Worth Affluent Group
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Solvency II ratio Strong solvency ratio and robust cash position Holding company cash £m Strong Solvency II ratio. Positive contribution from IFRS Profit. Share buyback deducted from Dec 2025 proforma position. Holding company cash reserved for: Medium term free cash holding requirement of c.£200m-£250m. Select growth investment. Liquidity management. 19 429 363 (58) (54) (17) 134 (71) 1 Jan 2026 Dividends paid Share Buyback Programme Head office and other Cash remittances from subsidiaries Capital contributions 30 Jun 2026 200% 202% (5%) 10% (3%) Pro forma solvency 31 Dec 2025 Acquisition, transformation and financing costs IFRS Profit, market variances & other Interim dividend Pro forma solvency 30 Jun 2026
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Dividend in line with enhanced distribution policy Distributions to shareholders 2026 Interim dividend a third of last year’s total cash dividend. Share buyback contribution to 70% total payout to be announced at FY26 Results. £68.4m of £100m surplus capital returned via share buyback as at 31 July 2026. Continue to expect share buyback’s completion prior to end-2026. 5.4 6.1 H1 2025 H1 2026 +13% 2.0 2.1 H1 2025 H1 2026 +5% Interim Dividend Per Share Pence Adjusted diluted Earnings Per Share Pence 20
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Guidance Revenue margins Net flows Operating margin £100m share buyback to complete by end 2026. Shareholder distributions of c.70% of post-tax, post-interest adjusted profit. Dividend Costs 2026 expectations: H2’25 expense base plus inflation. March 2026 guidance Mix shift reducing High Net Worth margin by c.1bp per annum. Affluent managed assets – low to mid 30 bps, mix dependent. Affluent administered assets declining by c.1 bp per annum. Net flows of 4-5% of opening AuMA on average, through the cycle. Managing investment to deliver operating margin around 30% on an improving medium-term trajectory. Unchanged. Unchanged. Changes Unchanged. Peer-leading flows. Unchanged. 21 Guidance for FY26 outturn Our expected brand spend and business investment plans are likely to lead to second half costs broadly in line with the first half. As we anticipate a higher revenue contribution in the second half from the benefit of our first half net inflows and market levels, assuming steady markets, we currently anticipate second half adjusted profit to be around a mid-single digit percentage above the first half level.
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Our three key areas of focus 22 Building Distribution Increase the number of advisers driving flows into our investment solutions and onto our platform. Driving efficiency Modernise our process by investing in new technology and removing complexity and legacy costs. Building Distribution Be more responsive to customers and the market, continue to reinvigorate our investment solutions and be more competitive on platform pricing. Driving the growth opportunity
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30.0 35.2 H1 2025 H1 2026 Quilter: strategic coverage of the UK wealth market at scale 23 Quilter Platform AuMA1 £bn 92.0 117.9 H1 2025 H1 2026 Quilter Cheviot AuM £bn 6% 3% Annualised net inflows/ opening AuMA2 Quilter Solutions AuM1 £bn 1. Includes non-core assets. 2. Discrete half year net/opening AuMA on an annualised basis. 33.7 43.0 H1 2025 H1 2026 17% 3%10%10% 10% 28% Scaled proposition Bespoke proposition 28%
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UK Wealth: a market with significant growth opportunity 24 1. Source: Fundscape, “The Retail Wealth Management Industry 2026-2030”. Advised platform industry¹ £bn 783 1,442 2025 2030e Discretionary wealth management industry¹ £bn 760 1,033 2025 2030e +13% CAGR +6% CAGR Consolidating industry Changing a nation of savers to investors Inter-generational wealth transfer Excess cash deposits to be put to work
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AI: unlocking the next frontier of efficiency and growth 25 A dominant position with further opportunity Transformation programmes saved £160+ million, brought operating leverage and improved customer experience. Overlaying AI and new technologies throughout Quilter, such as: AI-assisted software development. Financial report processing and automated validation. AI-enabled cyber security systems. …provides opportunity for: Improvement in productivity. Reduced average cost of incremental asset growth. Greater operating leverage. Indicative improvement in adviser productivity Adviser realignment Backbook transfers Reduce leakage AI technology roll-out End to end technology integration Platform transformation Gross sales per adviser Advice Quilter-wide
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Quilter: delivering a highly compelling investment proposition 26 Compelling proposition from a market leader Market leading dual channel distribution Scaled Platform and Solutions driving operating margin accretion Technology and AI investments further enhancing efficiency A total shareholder return compounding business model Outputs Peer leading flows and operating margin improvement High-single-digit to mid-teens EPS CAGR 70% total payout ratio (Total dividend + share buyback) + + Compounding-teens TSR
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Q&A
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Appendix
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Quilter: Advised Platform and High Net Worth peers for H1 2026 flows 29 RFPIFA 1. Listed peers include Aberdeen, AJ Bell, IntegraFin and St. James’s Place. 2. Listed peers include Rathbones (excluding Execution Only) and Brooks MacDonald. -2,000 -1,000 0 1,000 2,000 3,000 4,000 5,000 6,000 7,000 +10%+2%+6%+3%(3%) Platform (£m)1 Peer 1 Peer 2 Peer 3 Peer 4 Quilter Annualised net inflows/ opening AuA H1 2026 Quilter core net flows vs Listed peers by channel High Net Worth (£m)2 0 100 200 300 400 500 600 +1% +3% +3% Quilter channelIFA/Direct Peer 1 Peer 2 Quilter Annualised net inflows/ opening AuMA
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- 5,000 10,000 15,000 20,000 25,000 30,000 - 100,000 200,000 300,000 400,000 500,000 600,000 700,000 800,000 Q4 Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 2021 2022 2023 2024 2025 2026 AUA Gross inflows Gross outflows Net flows Quilter outperforms the advised Platform market 30 Quilter Platform AuA and flows £m Industry advised platform AuA and flows¹ £m 1. Source: The Langcat, Sales Trends Q1’26 0 1,000 2,000 3,000 4,000 5,000 6,000 0 20,000 40,000 60,000 80,000 100,000 120,000 Q4 Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 2021 2022 2023 2024 2025 2026 AuA Gross inflows Gross outflows Net flows
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Platform: gross flows by product 31 0 1,000 2,000 3,000 4,000 5,000 6,000 7,000 8,000 9,000 10,000 H1'23 H1'24 H1'25 H1'26 Pension Bond ISA (incl. JISA) Collective Investment Account Cash Hub Gross flows by product £m Gross flows by product % 0% 10% 20% 30% 40% 50% 60% 70% 80% 90% 100% H1'23 H1'24 H1'25 H1'26 Pension Bond ISA (incl. JISA) Collective Investment Account Cash Hub
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Platform: gross flows by business type 32 Gross flows business type £m 0 1,000 2,000 3,000 4,000 5,000 6,000 7,000 8,000 9,000 10,000 H1'23 H1'24 H1'25 H1'26 Platform transfers Cash Gross flows by business type % 0% 10% 20% 30% 40% 50% 60% 70% 80% 90% 100% H1'23 H1'24 H1'25 H1'26 Platform transfers Cash +36% CAGR +150% +32% CAGR +132%
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Platform distribution: sources of IFA channel flow 33 H1 2025 H1 2026 Platform net flow transfers by peer (£m)
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Revenue margin1: c.65bps Growth dynamic: Declining Principal Platform solutions: rebased towards MPS and Blend/Passive 34 1. Revenue margins reflect Quilter’s retained revenue margin and depends on asset allocations and sub-mandates. 2. WealthSelect other portfolios include Passive, Responsible and Sustainable ranges. 0 5,000 10,000 15,000 20,000 FY 20 FY 21 FY 22 FY 23 FY 24 FY 25 H1 26 (2%) CAGR Cirilium Active Cirilium Blend/Passive AuMA £m Revenue margin1 : c.25-45bps Growth dynamic: Growth Revenue margin1 : c.35bps Growth dynamic: Growth Revenue margin1 : c.28bps Growth dynamic: Growth Cirilium Active Cirilium Blend/Passive WealthSelect Active Managed WealthSelect Blend Managed Fund of Funds solutions Managed Portfolio Solutions -19% +16% +45% +10% 0 5,000 10,000 15,000 20,000 25,000 30,000 FY 20 FY21 FY22 FY23 FY24 FY25 H1 26 +27% CAGR WealthSelect - other portfolios 2WealthSelect Blend Managed WealthSelect Active Managed AuMA £m CAGR CAGR
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Quilter Investors: investment performance Note: Past performance is not a guide to future performance and may not be repeated. UK: Suitable for professional clients. Note: Rankings represent Quartile rankings against respective IA sectors. Cirilium Passive is not measured against an IA comp arator and hence does not appear in this table. 1. Cirilium Active launched on 2nd June 2008, with the Adventurous portfolio launching in June 2017. Cirilium Blend launched on 27th July 2019 and WealthSelect launched on 28th February 2014. As at 30 June 2026 Investment performance WealthSelect managed portfolio continued to deliver a strong performance. Cirilium ranges performing in line with expectations. 35 Fund Range Fund vs IA Sector Comparator 1Y 3Y 5Y 10Y Since Inception¹ Wealth Select Managed Active WealthSelect Managed Active 3 3 2 1 1 1 WealthSelect Managed Active 4 3 2 2 2 1 WealthSelect Managed Active 5 2 1 1 1 1 WealthSelect Managed Active 6 3 2 2 2 2 WealthSelect Managed Active 7 1 1 1 1 1 WealthSelect Managed Active 8 2 1 1 1 1 WealthSelect Managed Active 9 1 1 1 1 1 WealthSelect Managed Active 10 1 2 1 2 2 Wealth Select Managed Blend WealthSelect Managed Blend 3 3 2 1 1 1 WealthSelect Managed Blend 4 3 2 2 1 1 WealthSelect Managed Blend 5 1 1 1 1 1 WealthSelect Managed Blend 6 2 1 1 2 1 WealthSelect Managed Blend 7 1 1 1 1 1 WealthSelect Managed Blend 8 1 1 1 1 1 WealthSelect Managed Blend 9 1 1 1 1 1 WealthSelect Managed Blend 10 1 2 1 2 2 Cirilium Active QI Cirilium Conservative 3 4 4 3 2 QI Cirilium Balanced 3 4 4 3 1 QI Cirilium Moderate 3 3 4 3 1 QI Cirilium Dynamic 2 2 3 2 1 QI Cirilium Adventurous 2 2 3 - 2 Cirilium Blend QI Cirilium Conservative Blend 3 4 3 - 3 QI Cirilium Balanced Blend 3 3 2 - 2 QI Cirilium Moderate Blend 3 3 2 - 2 QI Cirilium Dynamic Blend 2 2 1 - 1 QI Cirilium Adventurous Blend 1 1 1 - 1
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High Net Worth: investment performance Note: c.80-90% of portfolios held in steady growth and equity risk ARC categories. Past performance is not a guide to future performance and may not be repeated. UK: Suitable for professional clients. Investment Performance Highlights High Net Worth investment performance has been strong. Discretionary client portfolios have outperformed the ARC PCI Steady Growth peer group indices over 1, 3 and 5 years; and in the ARC PCI Equity Risk category, they have outperformed over 1, 3 and 5 years (figures to end March 2026). High Net Worth Core Managed Portfolio Solutions have outperformed the respective IA sectors over 3 months, 3 years and 5 years (to 30 June 2026). 36 31 March 2026 Cumulative Return ARC PCI Steady Growth 1 Year 3 Year 5 Year Quilter Cheviot PCI 10.66% 25.97% 24.42% ARC PCI 9.74% 22.36% 22.26% Relative 0.92% 3.61% 2.16% 31 March 2026 Cumulative Return ARC PCI Equity Risk 1 Year 3 Year 5 Year Quilter Cheviot PCI 11.90% 29.20% 27.19% ARC PCI 10.34% 23.99% 24.00% Relative 1.56% 5.21% 3.19%
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Client pricing: open, unbundled, with choice at the heart 37 Upfront Ongoing p.a. Total equivalent p.a. Advice Total Total p.a/ 10 Years (A) Advice Wrapper / Admin Investment Management Total (B) A+B (10 years) Average fees, most popular investment, QFP network adviser QFP WS Blend Risk Level 7 1.08 1.08 0.11 0.68 0.21 0.59 1.48 1.59 Average fees for £500k investment: QFP Network advice, average platform charge, various investment solutions QFP – WS Active RL7 1.08 1.08 0.11 0.68 0.21 0.79 1.68 1.79 QFP – WS Blend RL7 1.08 1.08 0.11 0.68 0.21 0.59 1.48 1.59 QFP – WS Passive RL7 1.08 1.08 0.11 0.68 0.21 0.22 1.11 1.22 QFP Cirilium Balanced Active 1.08 1.08 0.11 0.68 0.21 1.02 1.91 2.02 QFP Cirilium Balanced Blend 1.08 1.08 0.11 0.68 0.21 0.73 1.62 1.73 QFP Cirilium Balanced Passive 1.08 1.08 0.11 0.68 0.21 0.37 1.26 1.37 Average fees example, reflecting current predominant choice by clients and their advisers % of investment Source: Quilter plc - Based on actual charges made to clients over the last 12 months, produced for publication in July 2026. Notes: 1. The outcome highlighted in bold is currently the predominant choice made by clients and their QFP advisers. Network Advice + Wrapper + WealthSelect Blend (risk level 7). 2. Advice fees are a function of case size; the 108bps and 68bps are the average advice charges on a £500k portfolio, based on actual cases written in the period for new business and current ongoing charges. 3. Platform fee (‘Wrapper/Admin’) is based on a £500k portfolio. 4. Investment management fee is inclusive of Quilter’s margin and that paid to the underlying fund manager.