TOTAL	TOTAL	HBOS	Abbey National	Lloyds  TSB	Cheltenham  & Gloucester	The Royal Bank of Scotland	Northern Rock	Barclays
MORTGAGE INDUSTRY PERFORMANCE DATA	Market	of included				included in Lloyds TSB	(inc Nat West)		(Inc Woolwich)
TABLE H  2005		Banks
UK  MORTGAGE BUSINESS	(BofE)
			31-12-05	31-12-05	31-12-05	31-12-05	31-12-05	31-12-05	31-12-05
			£006	£005	£001	£026	£003	£008	£000
Home loans (UK Gross -inc securitised)	967,063,000	735,613,730	201,428,000	90,098,000	88,407,000	77,673,000	65,318,000	62,676,700	59,600,000
Market Share of Home Loans inc securitised		76.07%	20.83%	9.32%	9.14%	8.03%	6.75%	6.48%	6.16%
-Securitised Home loans	-	80,896,696	-	28,691,000	-	-	-	38,575,900
-non recourse finance	-	7,617,965	-	-	-	-	-	219,600	-
On Balance Sheet gross of provisions	967,063,000	727,995,765	201,428,000	90,098,000	88,407,000	77,673,000	65,318,000	62,457,100	59,600,000
Market Share		75.28%	20.83%	9.32%	9.14%	8.03%	6.75%	6.46%	6.16%
On Balance Sheet net of provisions (where stated)	-	-	201,000,000	89,704,000	88,400,000	77,659,700	65,286,000	62,420,800	59,550,000
Total Loans and advances to UK customers    - est		1,359,690,458	324,310,000	95,467,000	172,197,000	77,703,800	194,262,000	70,239,900	163,759,000
Home Loans on BS as % Total UK		53.54%	61.98%	93.96%	51.34%	99.94%	33.61%	88.87%	36.36%
Gross lending	287,922,000	228,425,770	60,500,000	27,600,000	26,000,000	22,840,000	19,700,000	23,600,000	11,467,000
Market Share	100.00%	79.34%	21.01%	9.59%	9.03%	7.93%	6.84%	8.20%	3.98%
Gross lending  as % of previous Y/E balances	32.81%	31.05%	30.04%	30.63%	29.41%	29.41%	30.16%	37.65%	19.24%
Repayments	196,728,000	160,539,704	52,072,000	24,600,000	17,665,000	16,903,900	11,949,000	9,045,000	13,751,000
Market Share		81.60%	26.47%	12.50%	8.98%	8.59%	6.07%	4.60%	6.99%
Repayments as % of previous Y/E balances	22.42%	21.82%	25.85%	27.30%	19.98%	21.76%	18.29%	14.43%	23.07%
Home Loans (UK) at previous Y/E	877,525,000	735,613,730	201,428,000	90,098,000	88,407,000	77,673,000	65,318,000	62,676,700	59,600,000
Increase in Home Loans	89,538,000	0	0	0	0	0	0	0	0
Securitised (Acquired)		(22,173,300)	(28,197,000)	3,680,000	0	0	0	796,000	0
Adjusted Residential Net Lending	100,749,000	(22,173,300)	(28,197,000)	3,680,000	0	0	0	796,000	0
Market Share	100.00%	-22.01%	-27.99%	3.65%	0.00%	0.00%	0.00%	0.79%	0.00%
Net lending as % of previous Y/E balances	11.48%	-3.01%	-14.00%	4.08%	0.00%	0.00%	0.00%	1.27%	0.00%
Gross lending minus repayments (Calculated)	91,194,000	67,886,066	8,428,000	3,000,000	8,335,000	5,936,100	7,751,000	14,555,000	(2,284,000)
Other UK Personal Lending		116,495,739	20,750,000	1,884,000	22,776,000	44,100	26,323,000	-	26,724,000
Other Personal Lending as% Total UK		8.57%	6.40%	1.97%	13.23%	0.06%	13.55%	0.00%	0
Mortgage and other personal as % total		62.11%	68.38%	95.94%	64.56%	100.00%	47.16%	88.87%	1
Provisions for Secured lending on residential property
Specific Provision charged to I&E for year		47,789	22,000	N/A	N/A	(1,900)	4,000	4,100	N/A
General Provision charged to I&E for year		(20,026)	N/A	N/A	N/A	(30,300)	N/A	1,400	N/A
		-
Specific Provision at year end		55,813	N/A	N/A	7,000	5,700	32,000	3,400	N/A
General Provision at year end		137,366	N/A	N/A	N/A	7,600	N/A	32,900	N/A
Total Provision at Year end		1,091,024	428,000	394,000	7,000	13,300	32,000	36,300	50,000
		NB Provisions incomplete