Need to contact Cobens Direct? Please visit our contact page: cobensdirect.co.uk/contact or you can call us on 0203 301 1242. Our office hours are: 9:00AM - 5:30PM Monday to Thursday 9:00AM - 5:00PM Friday We are closed on UK bank holidays.

Previously we updated the dashboard at around 9.30am. Going forward the system will be updated between 11am and midday. This is because the files from WBS don't arrive until 8.30am.

Thank you

Amazon delivered a solid result-the .1% miss is down to FX conversion and shifting Prime Day extra quarter. AWS is growing at its fastest clip ever-management see a path to $1T in AWS revenue. Capex was gigantic and guided to grow materially! [image: 1793347747224-screenshot-2026-10-30-at-08.07.08.png] [image: 1793347759398-screenshot-2026-10-30-at-08.07.35.png] [image: 1793347769519-screenshot-2026-10-30-at-08.08.04.png] CEO Andy Jassy — six particularly important comments Capacity is being consumed almost immediately AWS is installing an AI accelerator every 14 seconds. Customers are taking up that capacity almost as quickly as it arrives. Jassy sees strong demand extending several years ahead. AI stimulates conventional cloud growth AI training, inference, reinforcement learning and agent activity all drive additional CPU, storage and networking consumption. AWS's traditional compute and storage businesses recorded their fastest growth in several years. Inference is becoming the larger AI opportunity Inference already accounts for well over half of AWS AI revenue, and its share is growing. Jassy believes enterprise production deployment is still at an early stage. Bedrock adoption is exploding Bedrock token volumes increased nearly 17-fold year on year. Fortune 500 spending on Bedrock increased almost sevenfold. Jassy called it AWS's fastest-growing multibillion-dollar service. Cloud migration has decades to run Jassy estimates approximately 85% of global IT spending remains on-premises, with a potential 10–20-year transition towards cloud infrastructure. AWS backlog compared with Microsoft and Google Company Cloud backlog / RPO Amazon AWS $578bn Triple-digit growth Microsoft ~$625bn Commercial RPO, broader than Azure Google Cloud ~$561bn Cloud backlog The headline comparison is striking, but these are not directly equivalent measures. Microsoft's figure includes commercial obligations beyond Azure, and the companies disclose different contract mixes and recognition schedules. Amazon's $578bn figure is particularly encouraging because of its rapid growth and the fact that AWS revenue is already accelerating. Q4 guidance Metric Q4 2026 guidance Revenue $240–247bn Revenue growth +12–16% Operating income $28.5–33.5bn Revenue FX headwind ~60 basis points Advertising growth High teens

Try this [image: 1773073791510-screenshot-2026-03-09-at-16.29.26.png]

Hi As per my email yesterday the CGT reports are generated by the custodian and we are waiting for the API links form the new custodian to be finalised. Once that is done the reports will be back on the portal. In the meantime just drop me a message and I will run a manual report for you Cheers

@n5tew Good morning, to answer your questions, yes there are a handful of lenders that still offer offset mortgages, though they’re relatively niche now. With these, you only pay interest on your mortgage minus what’s in a linked savings account, which can significantly reduce your interest costs if you hold a large savings balance. There are indeed fixed rate products although they will tend to be notably higher than your conventional fixed rate products. If you would like to discuss this in further detail, please let me know, my email is michael.searle@cobens.co.uk, or we can arrange a meeting to dive into specifics.

Thanks Nik