MORTGAGE INDUSTRY PERFORMANCE DATA	TOTAL	HBOS	Abbey National	Lloyds  TSB	Cheltenham  & Gloucester	The Royal Bank of Scotland	Northern Rock	Barclays
TABLE F  2005
BALANCE SHEET RATIOS		31-12-05	31-12-05	31-12-05	31-12-05	31-12-05	31-12-05	31-12-05
	%	%	%	%	%	%	%	%
As % of Total Assets:-
-Liquid Assets	31.76	32.61	43.60	35.33	0.23	25.98	12.72	37.02
-Loans and Advances to customers	51.52	64.29	46.11	57.85	99.13	53.71	84.92	29.09
-Fixed Assets	2.10	0.74	0.23	2.17	0.49	4.89	0.31	1.09
-Other Assets	6.49	2.28	4.32	2.75	0.15	3.10	0.29	17.94
-Prepayments and Accrued Income	7.83	-	5.73	1.90	-	12.31	1.75	14.80
-Assets of Long Term Assurance Fund	-	-	-	-	-	-	-	-
-Shareholders Funds	3.16	3.38	1.50	3.29	3.11	4.56	1.91	1.89
As % of Customer Accounts
-Loans and Advances	138.40	173.03	144.89	136.72	535.53	121.69	296.71	112.66
Capital Strength
Tier 1 Capital/Risk weighted Assets		8.10%	10.00%	7.90%	N/A	7.60%	7.70%	7.06%
Total Capital/Risk Weighted Assets		12.40%	12.50%	10.90%	N/A	11.70%	12.30%	11.30%
Market Share Ratios:-
-Total Assets	95.91%	15.20%	5.82%	8.70%	2.20%	21.83%	2.32%	25.97%
-Total Assets ex Life Fund	95.91%	15.20%	5.82%	8.70%	2.20%	21.83%	2.32%	25.97%
-Loans and Advances	96.00%	18.96%	5.21%	10.42%	4.24%	24.25%	3.83%	14.66%
-Liquid Assets	99.67%	15.70%	8.03%	9.74%	0.02%	17.96%	0.94%	30.45%
-Shareholders Funds	99.44%	16.23%	2.76%	9.06%	2.17%	31.48%	1.40%	15.48%
-Fixed Assets	99.87%	5.36%	0.65%	9.03%	0.52%	51.11%	0.35%	13.52%
-Customer Accounts	99.32%	15.56%	5.10%	10.15%	1.12%	26.55%	1.83%	18.48%
thedata Mortgage Sector Information Service	TOTAL	HBOS	Abbey National	Lloyds  TSB	Cheltenham  & Gloucester	The Royal Bank of Scotland	Northern Rock	Barclays
TABLE F  2004
BALANCE SHEET RATIOS		31-12-04	31-12-04	31-12-04	31-12-04	31-12-04	31-12-04	31-12-04
	%	%	%	%	%	%	%	%
As % of Total Assets:-
-Liquid Assets	29.99	30.23	26.64	27.41	0.22	28.12	13.07	41.09
-Loans and Advances	58.63	64.76	59.89	55.94	98.94	59.04	84.41	48.76
-Fixed Assets	2.65	0.80	0.24	2.35	0.56	6.07	0.38	1.29
-Other Assets	7.66	4.21	11.94	12.59	0.28	3.74	2.14	8.86
-Prepayments and Accrued Income	1.49	-	1.29	1.71	-	3.03	-	-
-Assets of Long Term Assurance Fund	-	-	-	-	-	-	-	-
-Shareholders Funds	4.16	3.85	2.01	3.88	3.21	5.76	2.37	2.95
As % of Customer Accounts
-Loans and Advances	129.62	148.46	140.66	132.79	477.31	122.57	268.56	120.65
Capital Strength
Tier 1 Capital/Risk weighted Assets		7.90%	10.40%	8.20%	N/A	7.00%	8.70%	7.60%
Total Capital/Risk Weighted Assets		12.30%	12.00%	10.10%	N/A	11.70%	14.00%	11.50%
Market Share Ratios:-
-Total Assets	99.79%	17.44%	7.19%	11.07%	2.82%	22.89%	2.53%	20.95%
-Total Assets ex Life Fund	99.79%	17.44%	7.19%	11.07%	2.82%	22.89%	2.53%	20.95%
-Loans and Advances	100.14%	19.48%	7.43%	10.68%	4.82%	23.31%	3.68%	17.61%
-Liquid Assets	99.57%	17.58%	6.39%	10.12%	0.02%	21.46%	1.10%	28.70%
-Shareholders Funds	99.35%	16.17%	3.48%	10.35%	2.18%	31.76%	1.44%	14.86%
-Fixed Assets	99.85%	5.25%	0.64%	9.82%	0.60%	52.47%	0.36%	10.21%
-Customer Accounts	99.30%	16.89%	6.79%	10.35%	1.30%	24.47%	1.76%	18.79%