MORTGAGE INDUSTRY PERFORMANCE DATA		TOTAL	HBOS	Abbey National	Lloyds  TSB	Cheltenham  & Gloucester	The Royal Bank of Scotland	Northern Rock	Barclays
TABLE B
BALANCE SHEET CHANGES			31-12-05	31-12-05	31-12-05	31-12-05	31-12-05	31-12-05	31-12-05
AND MEAN ASSET RATIOS		£000	£000	£000	£000	£000	£000	£000	£000
Loans and Advances to customers	2005	1,720,522,490	347,710,000	95,467,000	179,204,000	77,703,800	417,226,000	70,239,900	268,896,000
	2004	1,506,170,927	290,239,000	110,644,000	159,094,000	71,776,600	347,251,000	54,768,800	262,409,000
Percentage growth on 2004		14.23	19.80	(13.72)	12.64	8.26	20.15	28.25	2.47
Liquid Assets	2005	1,123,802,883	176,386,000	90,263,000	109,435,000	179,700	201,849,000	10,520,100	342,229,000
	2004	770,532,373	135,478,000	49,215,000	77,965,000	160,400	165,384,000	8,481,700	221,126,000
Percentage growth on 2004		45.85	30.20	83.41	40.36	12.03	22.05	24.03	54.77
Fixed Assets	2005	74,317,352	3,981,000	485,000	6,714,000	386,500	37,985,000	258,800	10,045,000
	2004	67,985,248	3,569,000	437,000	6,677,000	407,800	35,670,000	243,600	6,939,000
Percentage growth on 2004		9.31	11.54	10.98	0.55	(5.22)	6.49	6.24	44.76
Customer Accounts	2005	1,291,568,153	200,948,000	65,889,000	131,070,000	14,509,700	342,867,000	23,672,600	238,684,000
	2004	1,157,630,568	195,494,000	78,660,000	119,811,000	15,037,700	283,315,000	20,393,700	217,492,000
Percentage growth on 2004		11.57	2.79	(16.24)	9.40	(3.51)	21.02	16.08	9.74
Other Deposits and Borrowings	2005	1,550,454,566	223,585,000	98,769,000	77,927,000	59,244,300	341,253,000	54,517,500	508,917,000
	2004	892,294,881	143,305,000	59,144,000	69,124,000	53,113,400	215,748,000	40,065,800	196,071,000
Percentage growth on 2004		73.76	56.02	67.00	12.74	11.54	58.17	36.07	159.56
Total Shareholders Funds	2005	112,552,248	18,265,000	3,110,000	10,195,000	2,440,300	35,435,000	1,575,600	17,426,000
	2004	106,762,298	17,262,000	3,720,000	11,047,000	2,332,000	33,905,000	1,537,600	15,870,000
Percentage growth on 2004		5.42	5.81	(16.40)	(7.71)	4.64	4.51	2.47	9.80
Subordinated Debt	2005	90,735,007	20,254,000	8,449,000	12,402,000	1,225,000	28,274,000	1,009,200	12,463,000
	2004	75,012,000	14,633,000	6,206,000	10,252,000	1,225,000	20,366,000	2,015,700	12,277,000
Percentage growth on 2004		20.96	38.41	36.14	20.97	0.00	38.83	(49.93)	1.52
Total Assets	2005	3,429,282,631	540,873,000	207,034,000	309,754,000	78,385,700	776,827,000	82,708,500	924,357,000
	2004	2,579,942,450	448,165,000	184,733,000	284,422,000	72,548,100	588,122,000	64,880,900	538,181,000
Percentage growth on 2004		32.92	20.69	12.07	8.91	8.05	32.09	27.48	71.76
Loans and Advances as % Total assets	2005	50.17	64.29	46.11	57.85	99.13	53.71	84.92	29.09
	2004	58.38	64.76	59.89	55.94	98.94	59.04	84.41	48.76
Percentage growth on 2004		(14.06)	(0.73)	(23.01)	3.43	0.20	(9.04)	0.60	(40.34)
Gross Liquidity Ratio	2005	32.77	32.61	43.60	35.33	0.23	25.98	12.72	37.02
	2004	29.87	30.23	26.64	27.41	0.22	28.12	13.07	41.09
Percentage growth on 2004		9.73	7.88	63.65	28.89	3.69	(7.60)	(2.70)	(9.89)
Mean Assets  2004-2005		3,004,612,541	494,519,000	195,883,500	297,088,000	75,466,900	682,474,500	73,794,700	731,269,000
As a percentage of Mean Assets:
-Net Interest Margin			0.92	0.69	1.44	0.79	1.05	0.52	0.84
-Profit on Ordinary Activities after Tax			0.67	(0.03)	0.83	0.46	0.77	0.42	0.45
-Retained Profit			0.38	(0.45)	0.16	0.20	0.44	0.08	0.24