TOTAL Nationwide Britannia Portman Yorkshire Coventry Chelsea Skipton West Leeds
TOTAL Nationwide Britannia Portman Yorkshire Chelsea Skipton West Leeds
TOTAL  Nationwide  Britannia  Portman  Yorkshire  Coventry  Chelsea  Skipton  West  Leeds  
TOTAL Nationwide Britannia Portman Yorkshire Coventry Chelsea Skipton West Leeds 
TOTAL Nationwide Britannia Portman Yorkshire Coventry Chelsea Skipton West Leeds 
  Bromwich 0   Bromwich                Bromwich       Bromwich     Bromwich  
OPERATIONAL TABLE 1A 2005 OPERATIONAL TABLE 1B 2005 OPERATIONAL TABLE 2A 2005 OPERATIONAL TABLE 2B 2005 OPERATIONAL TABLE 2B 2005
BRANCH EMPLOYMENT AND FIXED ASSETS 04-04-06 31-12-05 31-12-05 31-12-05 31-12-05 31-12-05 31-12-05 31-03-06 31-12-05 TRADING STATEMENT: NON-SOCIETY     04-04-06 31-12-05 31-12-05 31-12-05 31-12-05 31-12-05 31-03-06 31-12-05 DEBT & LOSSES, ADVANCES AND STAFF RATIOS GROUP GROUP GROUP GROUP SOCIETY GROUP GROUP GROUP GROUP CHANGES BY VALUE GROUP GROUP GROUP GROUP SOCIETY GROUP GROUP GROUP GROUP CHANGES BY PERCENTAGE GROUP GROUP GROUP GROUP SOCIETY GROUP GROUP GROUP GROUP
SOCIETY ONLY INCOME       04-04-06 31-12-05 31-12-05 31-12-05 31-12-05 31-12-05 31-12-05 31-03-06 31-12-05 DEBT & LOSSES, ADVANCES AND STAFF RATIOS 04-04-06 31-12-05 31-12-05 31-12-05 31-12-05 31-12-05 31-12-05 31-03-06 31-12-05 DEBT & LOSSES, ADVANCES AND STAFF RATIOS 04-04-06 31-12-05 31-12-05 31-12-05 31-12-05 31-12-05 31-12-05 31-03-06 31-12-05
                        Net Interest Margin £000  1,611,785  611,200  351,400  165,100  182,300  7,100  86,900  90,700 0 DEBT PROVISION DEBT PROVISION                       DEBT PROVISION   % % % % % % % % % %
Total Staff Costs £000  997,309  426,600  79,700  69,000  66,400  31,700  29,400  28,700  24,500  20,200 Commissions Receivable £000  466,036  28,300  21,400  3,600  2,600 0  353,700  6,100  5,500 Residential Mortgage Debt  £000  202,155,867  89,587,400  18,952,500  13,503,200  12,061,600  9,025,300  7,380,700  6,609,100  4,544,800  4,977,800 Residential Mortgage Debt  £000  19,353,311  7,284,200  2,105,900  1,882,600  845,700  1,288,200  638,500  952,400  742,900  353,600 Residential Mortgage Debt   10.59  8.85  12.50  16.20  7.54  16.65  9.47  16.84  19.54  7.65
Number Of Branches  2,154  681  284  148  131  48  49  79  52  58 Other Income £000 (1,005,265) (159,900) (283,000) (141,300) (164,600) (1,200) (79,900) (69,400) 0 Other Loans and Advances £000  18,164,052  11,760,200  1,913,200  124,600  32,300  53,500  1,500  421,200  1,108,600  531,400 Other Loans and Advances £000  2,706,514  1,341,500  540,300 (37,900)  22,300  37,400 (900)  120,900  223,800  270,200 Other Loans and Advances  17.51  12.88  39.35 (23.32)  223.00  232.30 (37.50)  40.26  25.29  103.45
STAFFING Total £000  1,072,556  479,600  89,800  27,400  20,300  5,900  360,700  27,400  5,500 Mortgage Interest Received £000  10,438,025  4,481,800  1,091,800  668,500  600,800  462,200  403,200  338,200  226,300  270,900 Mortgage Interest Received £000  1,320,053  493,300  190,600  91,800  55,800  73,400  55,600  54,100  29,900  38,900 Mortgage Interest Received  14.48  12.37  21.15  15.92  10.24  18.88  16.00  19.04  15.22  16.77
Branch Staff:- EXPENDITURE Mortgage Losses Increased Provision £000  12,336  800  8,100  2,100  300  1,100  800  200 (1,100) 0 Mortgage Losses Increased Provision £000  15,529  1,100  1,000  6,700  800  6,400 (100)  400 (300) (500) Mortgage Losses Increased Provision (486.39) (366.67)  14.08 (145.65) (160.00) (120.75) (11.11) (200.00)  37.50 (100.00)
- Full Time N/A N/AV  1,115  692  689  339 N/AV N/AV N/AV N/AV Commissions Payable £000  40,445  100  8,400  100  1,300 0  23,200  2,700 0 Current Provision for Mortgage Losses £000  208,575  31,900  50,000  20,000  11,700  14,900  6,600  9,400  17,500  6,600 Current Provision for Mortgage Losses £000 (20,807)  800 (19,200) (11,700)  500  1,100 (7,800)  900  11,500 0 Current Provision for Mortgage Losses (9.07)  2.57 (27.75) (36.91)  4.46  7.97 (54.17)  10.59  191.67 0.00
- Part Time N/A N/AV  559  343  261  213 N/AV N/AV N/AV N/AV Staff Costs £000  253,814  32,800  20,300  3,800  100 0  170,800  2,700  2,300 ARREARS ARREARS ARREARS
- Total  17,533  8,041  1,674  1,035  950  552  269  408  362  404 Other Expenses £000  393,543  231,600  15,400  5,000  500  1,500  125,200  3,700  400 Total  No. in Arrears  > 12 months  1,212  519  82  108  74  40  64  22  13  18 Total  No. in Arrears  > 12 months (116) (104) (4)  6 (17)  12  26 (8) (2) (15) Total  No. in Arrears  > 12 months (9.10) (18.25) (4.65)  5.88 (18.68)  42.86  68.42 (26.67) (13.33) (45.45)
- Full Time Equivalents N/A N/AV   1,395  864  820  446 N/AV  N/AV  N/AV  N/AV  Bad Debt Charges £000  46,662  27,700  8,700  3,200  900 0  7,900  200 0 Total Value Arrears > 12 months £000  10,661  5,200  900  1,400  600  300  500  91  200  100 Total Value Arrears > 12 months £000  918 0  300  600  200  200  200 (309)  73 0 Total Value Arrears > 12 months  9.24 0.00  50.00  75.00  50.00  200.00  66.67 (77.36)  57.48 0.00
Head Office Staff:- Exceptional Items £000  9,910 0 (1,200) 0 0 0 (1,800) 0 0 Ave Debt Arrear Value > 12 months £000  8.80  10.02  10.98  12.96  8.11  7.50  7.81  4.12  15.38  5.56 Ave Debt Arrear Value > 12 months £000  1.57  2.11  4.00  5.12  3.71  3.93 (0.08) (9.22)  6.92  2.53 Ave Debt Arrear Value > 12 months  20.17  22.32  57.32  65.28  84.46  110.00 (1.04) (69.12)  81.71  83.33
- Full Time N/A N/AV  1,547  1,155  1,144  515 N/AV N/AV N/AV N/AV Total £000  744,374  292,200  51,600  12,100  2,800  1,500  325,300  9,300  2,700 Percentage Debt in Arrear %  0.01  0.01  0.00  0.01  0.00  0.00  0.01  0.00  0.00  0.00 Lost Income from Arrears £000  59  0  19  33  11  11  12 (16)  4  0 Lost Income from Arrears  11.31  0.06  51.65  79.59  56.36  220.74  73.29 (76.13)  55.01  6.80
- Part Time N/A N/AV  329  164  236  153 N/AV N/AV N/AV N/AV Mortgage Rate Charged (based on mean) %  5.42  5.21  6.10  5.32  5.16  5.51  5.71  5.51  5.42  5.64 ADVANCES STATISTICS BORROWER & DEPOSITOR STATISTICS
- Total  19,620  7,123  1,876  1,319  1,380  668  688  634  443  443 Operating Profit/(Loss) £000  328,182  187,400  38,200  15,300  17,500  4,400  35,400  18,100  2,800 Lost Income from Arrears £000  575  271  55  75  31  17  29  5  11  6 Gross Advances to Borrowers (Reported) £000  1,064,055 (699,151)  600,000  700,000 (84,000)  811,000 (100,000)  231,000  333,000  71,000 Gross Advances to Borrowers (Reported)  1.91 (3.01)  9.52  19.44 (2.59)  36.90 (4.35)  15.69  17.90  4.36
- Full Time Equivalents N/A N/AV   1,712  1,237  1,262  592 N/AV  N/AV  N/AV  N/AV  STAFFING Pre-Tax Profit £000  1,251,450  559,200  72,500  85,000  69,500  53,700  50,000  91,200  38,500  50,200 Advances Repaid (estimate) £000  3,874,559  2,690,849  5,130,300 (1,844,000) (534,500) (106,000)  86,300 (470,500) (218,200)  39,200 Advances Repaid (estimate)  11.37  24.06  289.90 (42.89) (18.95) (5.92)  5.85 (46.57) (15.11)  3.78
Total Society Staff:- Branch Staff:- Lost Income as %age of Pre-Tax Profit %                   0.05                        0.05                        0.08                        0.09                        0.04                        0.03                        0.06                        0.01                        0.03                        0.01 Value of Shares held by individuals £000  19,870,835  8,334,700  5,114,900  610,000  571,300  898,500  472,300  562,900  406,300  445,000 Value of Shares held by individuals  12.34  11.48  43.35  5.67  5.93  13.72  7.03  12.06  11.39  10.92
- Full Time N/A  10,182  2,662  1,847  1,833  854  796 N/AV   637 N/AV  - Full Time N/AV N/AV  550 0  13 0 N/AV  30 N/AV ADVANCES STATISTICS Value of Mortgages £000  19,353,311  7,284,200  2,105,900  1,882,600  845,700  1,288,200  638,500  952,400  742,900  353,600 Value of Mortgages  10.59  8.85  12.50  16.20  7.54  16.65  9.47  16.84  19.54  7.65
- Part Time N/A  4,982  888  507  497  366  87 N/AV   129 N/AV  - Part Time N/AV N/AV  43 0  1 0 N/AV  3 N/AV Gross Advances to Borrowers (Reported) £000  56,765,054  22,500,849  6,900,000  4,300,000  3,154,000  3,009,000  2,200,000  1,703,000  2,193,000  1,700,000 STAFFING RATIOS STAFFING RATIOS
- Total  37,208  15,164  3,550  2,354  2,330  1,220  957  1,042  805  847 - Total  9,331  1,053  593 0  14 0  7,073  66  55 Gross Advances as a % of PYE Loan Assets %                 28.63                     24.27                     37.87                     36.49                     28.10                     38.81                     32.62                     28.59                     46.79                     34.80 Branch Staff Society FTE's N/A N/AV   92  168  10  19 N/AV  N/AV  N/AV  N/AV  Branch Staff Society FTE's N/A N/AV   7.02  24.07  1.24  4.45 N/AV  N/AV  N/AV  N/AV 
- Full Time Equivalents N/A  12,673  3,106  2,101  2,082  1,037  840 N/AV   702 N/AV  - Full Time Equivalents N/AV N/AV  572 0  14 0 N/AV  32 N/AV Advances Repaid (estimate) £000  37,955,644  13,875,149  6,900,000  2,455,300  2,286,000  1,683,400  1,562,400  539,700  1,226,300  1,076,200 Total Staff Society FTE's  904  392  271  222  67  6 0 N/AV  0 N/AV  Total Staff Society FTE's  3.09  3.19  9.54  11.79  3.30  0.53 0.00 N/AV  0.00 N/AV 
BRANCH RATIOS Head Office:- Advances Repaid as a % of PYE Loan Assets %  19.14  14.96  37.87  20.84  20.36  21.71  23.17  9.06  26.17  22.03 Assets & Liabilities to Branch Staff £000 N/A N/AV   3,736 (3,349)  1,415  3,480 N/AV  N/AV  N/AV  N/AV  Assets & Liabilities to Branch Staff N/A N/AV   16.99 (10.42)  5.49  10.39 N/AV  N/AV  N/AV  N/AV 
Number of Staff per Branch:- - Full Time  44 0 0  8 0 0 0 0 0 Ratio of Advances made to Advances repaid  1.50  1.62  1.00  1.75  1.38  1.79  1.41  3.16  1.79  1.58 Assets & Liabilities to Total Staff £000  950  843  1,445 (69)  350  2,035  1,323 N/AV   1,638 N/AV  Assets & Liabilities to Total Staff  8.06  6.68  14.30 (0.58)  3.39  14.70  8.25 N/AV   15.59 N/AV 
- Full Time N/A N/AV  3.93  4.68  5.26  7.06 N/AV N/AV N/AV N/AV - Part Time  4 0 0 0 0 0 0 0 0 Total Net Lending  (Gross - Advances Repaid) £000  18,809,410  8,625,700 0  1,844,700  868,000  1,325,600  637,600  1,163,300  966,700  623,800
- Part Time N/A N/AV  1.97  2.32  1.99  4.44 N/AV N/AV N/AV N/AV - Total  50 0 0  8 0 0 0 0 0 Residential Net Lending (growth in book) £000  19,353,311  7,284,200  2,105,900  1,882,600  845,700  1,288,200  638,500  952,400  742,900  353,600
- Total  8.14  11.81  5.89  6.99  7.25  11.50  5.49  5.16  6.96  6.97 - Full Time Equivalents  46 0 0  8 0 0 0 0 0 Res. Net Lending as a % of PYE Mtge Assets %  10.59  8.85  12.50  16.20  7.54  16.65  9.47  16.84  19.54  7.65
- Full Time Equivalents N/A N/AV  4.91  5.83  6.26  9.28 N/AV N/AV N/AV N/AV Total:- Other Net Lending (growth in book)  £000  2,706,514  1,341,500  540,300 (37,900)  22,300  37,400 (900)  120,900  223,800  270,200
P/T Branch Staff as % of Total Branch Staff N/A N/AV  33.39  33.14  27.47  38.59 N/AV N/AV N/AV N/AV - Full Time N/AV N/AV  550  8  13 0 N/AV  30 N/AV Other Net Lending as a % of PYE Assets %  17.51  12.88  39.35 (23.32)  223.00  232.30 (37.50)  40.26  25.29  103.45
Total Branch Staff as % of Total Society Staff  47.12  53.03  47.15  43.97  40.77  45.25  28.11  39.16  44.97  47.70 - Part Time N/AV N/AV  43 0  1 0 N/AV  3 N/AV Value of Shares held by individuals £000  180,864,676  80,910,200  16,913,700  11,363,200  10,202,400  7,446,000  7,190,200  5,232,100  3,974,500  4,519,500
Average Staff Cost per Branch £000 N/A N/AV  126.00  191.66  199.56  283.72 N/AV N/AV N/AV N/AV - Total  9,381  1,053  593  8  14 0  7,073  66  55 Value of Residential Mortgages £000  202,155,867  89,587,400  18,952,500  13,503,200  12,061,600  9,025,300  7,380,700  6,609,100  4,544,800  4,977,800
Ave Staff Cost per Full Time Equivalent £000 N/A N/AV  25.66  32.85  31.90  30.57 N/AV N/AV N/AV N/AV - Full Time Equivalents N/AV N/AV  572  8  14 0 N/AV  32 N/AV Ratio of Shares to Residential Mortgages %  0.89  0.90  0.89  0.84  0.85  0.83  0.97  0.79  0.87  0.91
FIXED ASSETS STAFFING RATIOS        NB Totals are of those available)
Net Book Value:- Total Income/ F.T.E. £000 N/AV N/AV  157  3,425  1,504 N/APP  N/AV  870 N/AV Branch Staff Society FTE's N/AV  1,395  864  820  446 N/AV N/AV N/AV N/AV
- Property £000  817,061  367,500  37,300  52,800  46,300  11,300  52,200  12,900  14,800  19,000 Total Expenditure/ F.T.E. £000 N/AV N/AV  90  1,513  207 N/APP  N/AV  295 N/AV Total Staff Society FTE's  30,097  12,673  3,106  2,101  2,082  1,037  840 N/AV  702 N/AV
- Equipment, fixtures & fittings, Vehicles £000  423,017  262,000  12,900  16,900  11,800  10,700  17,400  3,000  9,100  5,000 Assets & Liabilities to Branch Staff £000 N/AV  25,720  28,797  27,168  36,973 N/AV N/AV N/AV N/AV
- Other £000  24,642 0 0 0 0 0  15,500 0 0 0 Assets & Liabilities to Total Staff £000  12,726  13,454  11,547  11,838  10,696  15,884  17,357 N/AV  12,144 N/AV
- Total £000  1,264,720  629,500  50,200  69,700  58,100  22,000  85,100  15,900  23,900  24,000 MARKET SHARES
Additions:- Branch Staff FTE's  %  N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A
- Property £000  26,093  7,400  3,500  2,100  3,700 0 0  600 0 0 Total Staff as FTE's  %   100.00  42.11  10.32  6.98  6.92  3.45  2.79 N/AV  2.33 N/AV
- Equipment,fixtures & fittings,Vehicles £000  118,537  68,700  3,800  6,300  2,400  3,200  6,200  700  1,600  1,100 Advances & Loans made to Borrowers  %   100.00  39.64  12.16  7.58  5.56  5.30  3.88  3.00  3.86  2.99
- Other £000  17,425 0 0 0 0 0  12,700 0 0 0 Advances & Loans repaid by Borrowers  %   100.00  36.56  18.18  6.47  6.02  4.44  4.12  1.42  3.23  2.84
- Total £000  162,055  76,100  7,300  8,400  6,100  3,200  18,900  1,300  1,600  1,100 Residential Net Lending (growth in book) %   100.00  37.64  10.88  9.73  4.37  6.66  3.30  4.92  3.84  1.83
Additions as a %age of NBV:-
- Property %  3.19  2.01  9.38  3.98  7.99 0.00 0.00  4.65 0.00 0.00
- Equipment, fixtures & fittings, Vehicles %  28.02  26.22  29.46  37.28  20.34  29.91  35.63  23.33  17.58  22.00
- Other %  70.71 0.00 0.00 0.00 0.00 0.00  81.94 0.00 0.00 0.00
- Total %  12.81  12.09  14.54  12.05  10.50  14.55  22.21  8.18  6.69  4.58
NBV Equip't, F&F, Vehicles/FTEs £000 N/A  20.67  4.15  8.05  5.67  10.32  20.73 N/AV  12.97 N/AV
Revaluation Reserve: Change in Year £000  15,390  13,900 0 0 0 0 0 0 0 0
Profit for financial Year £000  679,348  262,100  37,300  53,800  34,200  37,100  32,100  46,400  14,800  33,200