TOTAL	Nationwide	Britannia	Yorkshire	Portman	Coventry	Skipton	Chelsea				TOTAL	Nationwide	Britannia	Yorkshire	Portman	Coventry	Skipton	Chelsea				TOTAL	Nationwide	Britannia	Yorkshire	Portman	Coventry	Skipton	Chelsea			TOTAL	Nationwide	Britannia	Yorkshire	Portman	Coventry	Skipton	Chelsea			Nationwide	Britannia	Yorkshire	Portman	Coventry	Skipton	Chelsea			TOTAL	Nationwide	Britannia	Yorkshire	Portman	Coventry	Skipton	Chelsea			TOTAL	Nationwide	Britannia	Yorkshire	Portman	Coventry	Skipton	Chelsea			TOTAL	Nationwide	Britannia	Yorkshire	Portman	Coventry	Skipton	Chelsea			TOTAL	TOTAL	Nationwide	Britannia	Portman	Yorkshire	Coventry	Chelsea	Skipton	West Bromwich	Leeds
																																																																																	TABLE H  2005	Market	of included
TABLE A  2005										TABLE B  2005											TABLE C  2005											TABLE D  2005										TABLE E  2005									TABLE F  2005 and 2004										TABLE G1 2005										TABLE G2 2005										Analysis of lending -GROUP where appropriate	(BofE)	Societies	GROUP	GROUP	GROUP	GROUP	SOCIETY	GROUP	GROUP	GROUP	GROUP
INCOME STATEMENT & BALANCE SHEETS		GROUP	GROUP	GROUP	GROUP	SOCIETY	GROUP	GROUP		BALANCE SHEET CHANGES			GROUP	GROUP	GROUP	GROUP	SOCIETY	GROUP	GROUP		INCOME STATEMENT CHANGES			GROUP	GROUP	GROUP	GROUP	SOCIETY	GROUP	GROUP		INCOME STATEMENT RATIOS		GROUP	GROUP	GROUP	GROUP	SOCIETY	GROUP	GROUP		ANNUAL BUSINESS STATEMENT RATIOS	04-04-06	31-12-05	31-12-05	31-12-05	31-12-05	31-12-05	31-12-05		BALANCE SHEET RATIOS		GROUP	GROUP	GROUP	GROUP	SOCIETY	GROUP	GROUP		SHARES AND OTHER BORROWINGS		GROUP	GROUP	GROUP	GROUP	SOCIETY	GROUP	GROUP		SHARES AND OTHER BORROWINGS		GROUP	GROUP	GROUP	GROUP	SOCIETY	GROUP	GROUP					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
		04-04-06	31-12-05	31-12-05	31-12-05	31-12-05	31-12-05	31-12-05		AND MEAN ASSET RATIOS			04-04-06	31-12-05	31-12-05	31-12-05	31-12-05	31-12-05	31-12-05					04-04-06	31-12-05	31-12-05	31-12-05	31-12-05	31-12-05	31-12-05				04-04-06	31-12-05	31-12-05	31-12-05	31-12-05	31-12-05	31-12-05			%	%	%	%	%	%	%				04-04-06	31-12-05	31-12-05	31-12-05	31-12-05	31-12-05	31-12-05		2005 & 2004		04-04-06	31-12-05	31-12-05	31-12-05	31-12-05	31-12-05	31-12-05		RATIOS 2005 & 2004		04-04-06	31-12-05	31-12-05	31-12-05	31-12-05	31-12-05	31-12-05					£000	£000	£000	£000	£000	£000	£000	£000	£000
I N C O M E	£000	£000	£000	£000	£000	£000	£000	£000				£000	£000	£000	£000	£000	£000	£000	£000				£000	£000	£000	£000	£000	£000	£000	£000			%	%	%	%	%	%	%	%		Lending Limit									2005	%	%	%	%	%	%	%	%			£000	£000	£000	£000	£000	£000	£000	£000			%	%	%	%	%	%	%	%		On Balance Sheet net of provisions
Interest Receivable and similar income										Loans and Advances	2005	220,319,919	101,347,600	20,865,700	12,093,900	13,627,800	9,078,800	7,030,300	7,382,200		Total Interest Receivable	2005	13,458,483	5,799,900	1,408,700	803,800	835,800	538,100	450,500	499,000		As % of Gross Income: Net Interest Receivable	18.63	19.19	16.61	18.47	19.46	17.66	11.31	17.59		(Business assets other than loans fully secured on residential property)									As % of Total Assets( inc Life Funds):-										Shares 2005										Shares 2005										Loans fully secured on Residential Property (Home Loans)	876,561,000	202,038,106	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
-On loans fully secured on residential property	10,438,025	4,481,800	1,091,800	600,800	668,500	462,200	338,200	403,200			2004	198,260,094	92,721,900	18,219,500	11,225,900	11,783,100	7,753,200	5,957,000	6,744,600			2004	11,716,959	5,211,200	1,130,600	690,300	720,900	450,900	389,700	434,400		As % of Mean Assets: Net Interest Receivable	1.05	1.08	0.85	1.00	1.03	0.96	1.08	0.98		Lending Limit	14.90	13.30	1.20	1.93	1.07	8.54	0.60		-Liquid Assets	18.33	12.22	31.71	24.09	22.07	17.60	19.42	22.23		Shares held by individuals	179,212,083	80,360,800	16,515,100	10,202,400	11,363,200	7,446,000	5,232,100	7,052,100		Shares held by individuals	99.04	99.31	97.64	100.00	99.97	99.87	99.84	98.08		Market Share		23.05%	10.22%	2.16%	1.54%	1.38%	1.03%	0.84%	0.75%	0.52%	0.57%
-On other loans	980,670	743,600	0	700	9,200	2,600	31,500	100		Percentage growth on 2004		11.13	9.30	14.52	7.73	15.66	17.10	18.02	9.45		Percentage growth on 2004		14.86	11.30	24.60	16.44	15.94	19.34	15.60	14.87		As % of Net Interest Receivable:-										Statutory Limit	25.00	25.00	25.00	25.00	25.00	25.00	25.00		-Loans and Advances	78.89	84.05	64.34	74.20	76.71	81.86	76.79	76.45		Other Shares	93,055	8,400	0	0	3,700	9,400	8,500	200		Other Shares	0.05	0.01	0.00	0.00	0.03	0.13	0.16	0.00		Other Loans fully secured on land		13,933,089	8,050,200	1,911,500	124,600	8,000	400	1,500	304,000	1,108,300	361,500
-On debt securities:-										Liquid Assets	2005	51,194,270	14,740,300	10,284,500	3,926,400	3,920,800	1,952,200	1,778,200	2,146,300		Net Interest Receivable	2005	2,768,668	1,234,300	244,200	156,400	171,500	98,100	93,300	91,000		-Gross Commission	36.40	25.06	20.80	18.67	25.60	17.94	395.71	13.08											-Fixed Assets	0.61	0.60	0.36	0.50	0.62	0.27	1.77	0.88		Sub total	179,305,138	80,369,200	16,515,100	10,202,400	11,366,900	7,455,400	5,240,600	7,052,300		Subtotal	99.09	99.32	97.64	100.00	100.00	100.00	100.00	98.08		Other Loans		4,228,072	3,710,000	1,700	0	24,300	53,100	0	117,200	300	169,900
-Interest and other income	1,603,246	548,400	251,400	150,500	118,900	69,000	60,600	65,300			2004	45,677,747	15,259,100	6,552,000	3,583,900	3,524,300	1,622,800	1,930,100	2,008,800			2004	2,617,765	1,191,600	221,000	142,700	150,700	87,000	91,500	91,300		-Other Income	14.21	26.18	4.34	8.70	0.99	(0.10)	5.25	7.14		Funding Limit									-Other Assets	1.25	1.19	3.34	1.18	0.58	0.21	1.82	0.40		Accrued Interest	1,652,594	549,400	398,600	0	0	0	0	138,100		Accrued Interest	0.91	0.68	2.36	0.00	0.00	0.00	0.00	1.92		Total Other Loans		18,161,161	11,760,200	1,913,200	124,600	32,300	53,500	1,500	421,200	1,108,600	531,400
-Profits (Losses) On Realisation	3,851	0	0	0	0	1,700	0	0		Percentage growth on 2004		12.08	(3.40)	56.97	9.56	11.25	20.30	(7.87)	6.84		Percentage growth on 2004		5.76	3.58	10.50	9.60	13.80	12.76	1.97	(0.33)		-Bad Debts Specific & Write Offs	3.44	6.11	3.32	0.32	(0.06)	1.22	9.54	0.00		(liabilities other than shares held by individuals)									-Prepayments and Accrued Income	0.23	0.35	0.26	0.02	0.02	0.05	0.20	0.05		Total	180,957,732	80,918,600	16,913,700	10,202,400	11,366,900	7,455,400	5,240,600	7,190,400		Total	100.00	100.00	100.00	100.00	100.00	100.00	100.00	100.00		Total Loans to customers net on Balance Sheet		220,199,268	101,347,600	20,865,700	13,627,800	12,093,900	9,078,800	7,382,200	7,030,300	5,653,400	5,509,200
-On Other Liquid Assets:	460,885	65,900	64,000	27,600	40,000	12,200	18,600	29,800		Fixed Assets	2005	1,716,974	728,500	116,600	82,000	109,400	30,000	162,500	85,100		Total Other Income	2005	1,401,156	632,500	61,400	42,800	45,600	17,500	374,100	18,400		As % of Cost of Funding: Commission Paid	0.85	0.06	1.38	0.82	0.92	0.20	6.26	0.39		Funding Limit	26.60	35.40	32.40	30.87	28.67	36.75	20.40		-Assets of Long Term Assurance Fund	0.69	1.59	0.00	0.00	0.00	0.00	0.00	0.00		On Demand	139,975,989	76,008,700	12,490,900	0	9,284,600	7,455,400	1,242,200	3,122,800		On Demand	77.35	93.93	73.85	0.00	81.68	100.00	23.70	43.43		Residential HA lending included in Other Loans/Other Loans on land		824,426	719,400	98,700	-	-	2,600	-	-	-	-
-Other Interest Receivable and similar income	(28,194)	(39,800)	1,500	24,200	(800)	(9,600)	1,600	600			2004	1,628,055	664,200	125,400	83,700	106,400	30,400	157,100	72,800			2004	1,450,233	613,100	107,700	54,000	45,800	29,600	357,200	25,500		As % of Net Interest Receivable +Other Income:-										Statutory Limit	50.00	50.00	50.00	50.00	50.00	50.00	50.00		As % of Shares held by individuals										In < 3 Months	23,285,534	934,600	616,400	8,003,000	403,200	0	2,878,200	3,929,500		In < 3 Months	12.87	1.15	3.64	78.44	3.55	0.00	54.92	54.65		Loans fully secured on Residential Property
Total Interest and similar income	13,458,483	5,799,900	1,408,700	803,800	835,800	538,100	450,500	499,000		Percentage growth on 2004		5.46	9.68	(7.02)	(2.03)	2.82	(1.32)	3.44	16.90		Percentage growth on 2004		(3.38)	3.16	(42.99)	(20.74)	(0.44)	(40.88)	4.73	(27.84)		-Profit before Tax	30.01	29.96	23.72	34.89	39.15	46.45	19.51	45.70											-Loans and Advances	121.81	125.26	123.37	118.54	119.93	121.93	134.37	102.67		In > 3 Months but < 1 Year	10,119,010	2,125,800	1,824,000	1,546,200	1,481,900	0	559,300	0		In > 3 Months but < 1 Year	5.59	2.63	10.78	15.16	13.04	0.00	10.67	0.00		On Balance Sheet gross of provisions	876,561,000	202,246,867	89,619,300	19,002,500	13,523,200	12,073,300	9,040,200	7,387,300	6,618,500	4,562,300	4,984,400
Income From Investments	9,441	0	600	0	0	0	0	3,800		Shares -held by individuals	2005	180,864,676	80,910,200	16,913,700	10,202,400	11,363,200	7,446,000	5,232,100	7,190,200		Cost of Funding	2005	11,005,216	4,776,900	1,180,800	654,900	670,500	440,900	381,800	410,900		-Profit on Ordinary Activities after Tax	21.23	21.28	16.75	25.55	27.59	32.09	14.10	31.90		As a %age of Shares and borrowing									As % of Other Shares & Borrowing, Sub Debt & Sub Cap:-										In > 1 Year but < 5 Years	5,425,830	1,300,100	1,583,800	411,800	197,200	0	376,500	0		In > 1 Year but < 5 Years	3.00	1.61	9.36	4.04	1.73	0.00	7.18	0.00		Market Share			10.22%	2.17%	1.54%	1.38%	1.03%	0.84%	0.76%	0.52%	0.57%
Fees and Commissions Receivable	1,007,743	309,300	50,800	29,200	43,900	17,600	369,200	11,900			2004	160,993,841	72,575,500	11,798,800	9,631,100	10,753,200	6,547,500	4,669,200	6,717,900			2004	9,532,094	4,274,800	950,700	563,200	574,400	374,400	328,900	360,200		-Profit for Financial Year	21.23	21.28	16.75	25.55	27.59	32.09	14.10	31.90		Gross Capital	6.60	7.10	6.36	6.91	5.70	7.74	6.10		-Liquid Assets	63.47	46.90	76.66	78.39	70.84	62.45	55.54	110.75		In > 5 Years	498,775	0	0	241,400	0	0	184,400	0		In > 5 Years	0.28	0.00	0.00	2.37	0.00	0.00	3.52	0.00		Securitised Home loans		222,500	0	0	0	0	0	0	0	0	0
Other Operating Income	383,973	323,200	10,000	13,600	1,700	(100)	4,900	2,700		Percentage growth on 2004		12.34	11.48	43.35	5.93	5.67	13.72	12.06	7.03		Percentage growth on 2004		15.45	11.75	24.20	16.28	16.73	17.76	16.08	14.08		As % of Total Expenses:-										Free Capital	6.00	5.90	5.86	6.35	5.54	5.80	5.20		As % of All Shares and Borrowing inc. Sub Debt & Sub Cap:-										Other Shares and Borrowing 2005										Other Shares and Borrowing 2005										Non recourse finance		202,700	0	0	0	0	0	0	0	0	0
Total Other Income	1,401,156	632,500	61,400	42,800	45,600	17,500	374,100	18,400		Other Shares and Borrowings	2005	76,071,504	29,243,100	12,858,200	4,899,900	5,073,400	2,993,900	3,044,500	1,837,900		Net Interest Margin	2005	2,453,267	1,023,000	227,900	148,900	165,300	97,200	68,700	88,100		-Directors Remuneration	1.69	0.51	0.91	1.38	1.43	1.71	0.64	1.95		Liquid Assets	13.40	40.30	26.00	23.85	18.70	21.50	23.80		-All Reserves	6.35	6.43	5.00	6.31	6.72	5.63	7.59	6.05		Amounts owed to Credit Institutions	11,215,554	5,858,800	1,109,200	471,700	360,600	187,600	269,800	66,700		Amounts owed to Credit Institutions	14.76	20.04	8.63	9.63	7.11	6.29	8.89	3.63		UK Gross of provisions - inc securitised	876,561,000	202,449,567	89,619,300	19,002,500	13,523,200	12,073,300	9,040,200	7,387,300	6,618,500	4,562,300	4,984,400
Total Income	14,859,639	6,432,400	1,470,100	846,600	881,400	555,600	824,600	517,400			2004	69,839,069	29,908,900	11,524,500	4,341,400	3,750,300	2,325,700	2,756,200	1,651,800			2004	2,184,865	936,400	179,900	127,100	146,500	76,500	60,800	74,200		-Staff Costs exc. Directors	47.86	42.61	44.97	56.57	56.62	50.68	56.69	50.64											-General Reserve	4.48	4.30	3.15	5.60	3.99	4.38	5.64	4.66		Amounts owed to Other Customers	19,617,264	2,608,300	2,441,400	1,649,900	1,749,600	1,034,200	1,406,500	590,600		Amounts owed to Other Customers	25.82	8.92	18.99	33.67	34.51	34.65	46.33	32.14		Market Share of Home Loans inc securitised			10.22%	2.17%	1.54%	1.38%	1.03%	0.84%	0.76%	0.52%	0.57%
E X P E N D I T U R E										Percentage growth on 2004		8.92	(2.23)	11.57	12.86	35.28	28.73	10.46	11.27		Percentage growth on 2004		12.28	9.25	26.68	17.15	12.83	27.06	12.99	18.73		-Depreciation of Fixed Assets	9.75	11.00	13.53	10.67	11.12	9.34	5.06	10.09		As a %age of Mean Total Assets									-Free Reserves	5.69	5.78	4.62	5.77	6.07	5.35	5.67	5.12		Debt Securities in issue										Debt Securities in issue										Increase in Loan Book over Previous year
Interest Payable and similar charges:										Total Reserves	2005	12,003,254	5,031,400	959,100	851,600	674,100	463,000	476,000	452,200		Directors Emoluments	2005	43,204	5,468	1,973	1,595	1,797	1,041	2,273	1,101		-Bad Debts Specific & Write Offs	3.74	7.06	3.72	0.43	(0.08)	1.97	2.52	0.00		Profit After Tax	0.34	0.18	0.32	0.36	0.36	0.73	0.38		Market Share Ratios:-										Certificates of Deposit	11,102,231	6,780,900	0	149,500	858,800	458,600	430,800	271,300		Certificates of Deposit	14.61	23.19	0.00	3.05	16.94	15.37	14.19	14.76		Loans fully secured on Residential Property	102,013,000	19,235,550	7,284,200	2,105,900	1,882,600	845,700	1,288,200	638,500	952,400	742,900	353,600
-On shares held by individuals	7,085,615	3,125,700	565,700	407,400	449,500	296,700	223,100	311,400			2004	11,112,903	4,563,600	989,900	800,200	607,000	433,900	413,400	379,700			2004	39,332	5,028	1,602	1,416	1,936	969	2,204	1,380		-Other Expenses inc. General Provision	36.95	38.81	36.88	30.95	30.91	36.30	35.09	37.32		Management Expenses	0.85	0.73	0.71	0.74	0.57	4.00	0.60		-Total Assets	100.00	43.18	11.61	5.84	6.36	3.97	3.28	3.46		Fixed and Floating Notes	31,411,400	13,763,100	9,307,600	2,014,100	2,083,600	1,304,100	0	896,100		Fixed and Floating Notes	41.34	47.08	72.39	41.10	41.10	43.70	0.00	48.76		Loans fully secured on land		1,936,531	749,700	610,800	(37,900)	(2,000)	(200)	(900)	95,500	223,800	108,000
-On other shares	3,086	300	0	0	100	300	300	0		Percentage growth on 2004		8.01	10.25	(3.11)	6.42	11.05	6.71	15.14	19.09		Percentage growth on 2004		9.85	8.75	23.16	12.64	(7.18)	7.43	3.13	(20.22)		As % of Total Assets (ex Life Funds):-																			-Total Assets ex Life Funds	100.00	42.78	11.69	5.88	6.40	4.00	3.30	3.48		Other Debt Securities	2,632,000	223,600	0	614,700	17,100	0	928,900	13,000		Other Debt Securities	3.46	0.76	0.00	12.55	0.34	0.00	30.60	0.71		Other Loans		767,092	591,800	(70,500)	0	24,300	37,600	0	25,400	0	162,200
-On deposits and other borrowing	3,292,688	1,274,600	550,800	201,000	205,700	120,400	122,800	100,100		Subordinated Debt	2005	3,189,665	1,446,300	447,900	108,600	265,100	90,600	130,900	100,000		Highest Paid Director	2005	13,999	1,329	603	426	468	322	579	375		-Profit before Tax	0.45	0.47	0.22	0.43	0.48	0.48	1.00	0.52											-Loans and Advances	100.00	46.00	9.47	5.49	6.19	4.12	3.19	3.35		Total	75,978,449	29,234,700	12,858,200	4,899,900	5,069,700	2,984,500	3,036,000	1,837,700		Total	100.00	100.00	100.00	100.00	100.00	100.00	100.00	100.00		Total Loans to customers net on Balance Sheet		21,939,173	8,625,700	2,646,200	1,844,700	868,000	1,325,600	637,600	1,073,300	966,700	623,800
-Other interest payable and similar charges	308,427	165,000	48,000	39,000	9,000	22,600	11,000	(3,500)			2004	2,837,736	1,439,800	447,700	102,400	105,000	65,400	129,000	100,000			2004	13,161	1,214	526	412	448	297	525	521		-Profit on Ordinary Activities after Tax	0.32	0.33	0.16	0.31	0.34	0.33	0.72	0.36			Nationwide	Britannia	Yorkshire	Portman	Coventry	Skipton	Chelsea		-Liquid Assets	100.00	28.79	20.09	7.67	7.66	3.81	3.47	4.19																						Gross lending ( ex any loans acquired and net of any disposals in year)
Total Interest and similar charges	10,689,815	4,565,600	1,164,500	647,400	664,300	440,000	357,200	408,000		Percentage growth on 2004		12.40	0.45	0.04	6.05	152.48	38.53	1.47	0.00		Percentage growth on 2004		6.37	9.47	14.64	3.40	4.46	8.42	10.29	(28.02)		-Profit for the Financial Year	0.32	0.33	0.16	0.31	0.34	0.33	0.72	0.36											-Reserves	100.00	43.48	9.14	5.78	6.84	3.58	3.86	3.33		Accrued Interest  (included above)	455,635	205,900	110,300	0	0	18,400	0	0		Accrued Interest  (included above)	0.60	0.70	0.86	0.00	0.00	0.62	0.00	0.00		Loans fully secured on Residential Property	291,538,000	52,541,000	18,585,300	8,230,900	4,287,500	3,128,600	2,963,000	2,200,000	1,534,900	1,651,800	1,344,200
Fees and Commissions Payable	93,872	2,900	16,300	5,400	6,200	900	23,900	1,600		Total Assets (ex Life Funds)	2005	277,362,558	118,667,800	32,431,400	16,298,200	17,765,000	11,090,000	9,155,800	9,656,300		Total Staff Costs exc Directors	2005	1,221,250	455,030	98,027	65,224	71,282	30,917	200,567	28,611		As % of Reserves:-										TABLE E  2004									-Fixed Assets	100.00	42.43	6.79	4.78	6.37	1.75	9.46	4.96		On Demand	6,448,280	2,540,600	0	0	580,500	187,900	248,000	18,800		On Demand	8.49	8.69	0.00	0.00	11.45	6.30	8.17	1.02		Market Share		18.02%	6.37%	2.82%	1.47%	1.07%	1.02%	0.75%	0.53%	0.57%	0.46%
Other operating charges	221,528	208,400	0	2,100	0	0	700	1,300			2004	247,873,530	109,771,600	25,219,000	15,049,400	15,504,900	9,439,700	8,158,000	8,884,200			2004	1,148,715	443,628	86,798	57,407	59,335	28,185	186,956	26,820		-Profit on Ordinary Activities after Tax	5.83	6.13	3.64	5.30	6.38	6.70	10.86	6.32		ANNUAL BUSINESS STATEMENT RATIOS	04-04-05	31-12-04	31-12-04	31-12-04	31-12-04	31-12-04	31-12-04		-Shares held by individuals	100.00	44.74	9.35	5.64	6.28	4.12	2.89	3.98		In < 3 Months	22,294,240	3,215,000	6,417,500	2,469,500	1,427,900	846,300	1,218,200	458,400		In < 3 Months	29.34	11.00	49.91	50.40	28.17	28.36	40.13	24.94		Gross lending  as % of previous Y/E balances	37.64%	28.74%	22.58%	48.86%	36.90%	27.89%	38.30%	32.63%	27.13%	43.45%	29.07%
Administrative Expenses:										Percentage growth on 2004		11.90	8.10	28.60	8.30	14.58	17.48	12.23	8.69		Percentage growth on 2004		6.31	2.57	12.94	13.62	20.13	9.69	7.28	6.68		-Profit for the Financial Year	5.83	6.13	3.64	5.30	6.38	6.70	10.86	6.32			%	%	%	%	%	%	%		-Other Shares and Borrowing	100.00	38.44	16.90	6.44	6.67	3.94	4.00	2.42		In > 3 Months but < 1 Year	20,961,422	12,620,200	996,700	685,600	964,700	569,700	785,100	341,600		In > 3 Months but < 1 Year	27.59	43.17	7.75	13.99	19.03	19.09	25.86	18.59
-Directors Emoluments	43,204	5,468	1,973	1,595	1,797	1,041	2,273	1,101		Gross Liquidity Ratio	2005	18.46	12.42	31.71	24.09	22.07	17.60	19.42	22.23		Other Administrative Expenses	2005	941,479	413,202	80,400	35,881	36,721	20,442	125,160	20,288		Interest Rates:-										As a %age of Total Commercial Assets																			In > 1 Year but < 5 Years	25,219,772	10,553,000	5,333,700	1,637,300	2,096,600	1,361,100	784,700	1,018,900		In > 1 Year but < 5 Years	33.19	36.10	41.48	33.41	41.36	45.61	25.85	55.44		Other Loans		4,422,671	3,915,549	(1,330,900)	12,500	25,400	46,000	0	168,100	541,200	355,800
-Wages and Salaries	1,026,286	348,700	88,400	55,100	60,100	26,300	177,900	25,000			2004	18.43	13.90	25.98	23.81	22.73	17.19	23.66	22.61			2004	890,106	384,544	66,100	36,877	36,729	18,646	126,040	21,200		-Average Residential Mortgage Interest	5.16	5.00	5.76	4.98	4.95	5.12	5.12	5.46		(Business assets other than loans fully secured on residential property)										TOTAL	Nationwide	Britannia	Yorkshire	Portman	Coventry	Skipton	Chelsea		In > 5 Years	395,100	100,000	0	107,500	0	1,100	0	0		In > 5 Years	0.52	0.34	0.00	2.19	0.00	0.04	0.00	0.00
-Social Security Costs	93,986	29,600	7,600	5,100	6,600	2,800	17,400	2,500		Percentage growth on 2004		0.16	(10.64)	22.06	1.16	(2.90)	2.40	(17.91)	(1.70)		Percentage growth on 2004		5.77	7.45	21.63	(2.70)	(0.02)	9.63	(0.70)	(4.30)		-Average Interest on Other Loans	5.40	6.32	0.00	2.17	7.38	4.86	7.48	6.67		Lending Limit	12.20	10.00	1.00	2.05	0.59	6.37	0.60					0.00																											Total Gross lending in year		56,963,671	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
-Other Pension Costs	133,852	81,100	4,000	6,300	6,100	2,600	7,200	1,900		Free Capital as a percentage of Assets	2005	5.36	5.51	4.32	5.44	5.87	5.22	5.22	4.91		Depreciation and Amortisation	2005	248,812	117,500	29,500	12,300	14,000	5,700	17,900	5,700		-Average Investment Income	4.21	3.83	3.76	5.39	4.25	4.10	4.36	4.61		Statutory Limit	25.00	25.00	25.00	25.00	25.00	25.00	25.00		TABLE F  2000										Shares 2004										Shares 2004
-Total Staff Costs exc. Directors	1,221,250	455,030	98,027	65,224	71,282	30,917	200,567	28,611			2004	5.48	5.55	5.64	5.44	5.10	5.41	5.05	4.58			2004	236,411	107,100	29,800	11,500	11,100	6,300	18,700	5,200		-Average Interest payable on Shares  held by individuals	3.92	3.86	3.34	3.99	3.96	3.98	4.26	4.33											BALANCE SHEET RATIOS		GROUP	GROUP	GROUP	GROUP	SOCIETY	GROUP	GROUP		Shares held by individuals	158,857,634	72,000,700	11,506,000	9,631,100	10,491,400	6,547,500	4,538,700	6,603,500		Shares held by individuals	98.62	99.18	97.52	100.00	97.51	99.84	97.07	98.29		Repayments
-Remuneration of Auditors	6,750	1,100	700	300	400	235	500	200		Percentage growth on 2004		(2.06)	(0.68)	(23.34)	0.03	15.08	(3.56)	3.38	7.11		Percentage growth on 2004		5.25	9.71	(1.01)	6.96	26.13	(9.52)	(4.28)	9.62		-Average Interest payable on other  Shares and Borrowing	4.66	4.53	4.70	5.08	4.48	5.16	4.39	5.24		As a %age of Shares and Deposits											04-04-05	31-12-04	31-12-04	31-12-04	31-12-04	31-12-04	31-12-04		Other Shares	93,475	18,600	0	0	6,000	10,800	6,400	200		Other Shares	0.06	0.03	0.00	0.00	0.06	0.16	0.14	0.00		Loans fully secured on Residential Property	190,662,000	33,997,329	11,301,100	6,125,000	2,404,856	2,282,900	1,674,817	1,561,566	492,490	908,931	990,617
-Other Expenses	934,729	412,102	79,700	35,581	36,321	20,207	124,660	20,088		Gross Capital as a percentage of Assets	2005	5.98	6.08	4.68	5.89	6.39	5.37	6.92	5.72		Provisions For Bad & Doubtful Debt	2005	96,758	76,600	8,100	300	2,100	2,900	7,900	800		-Average yield on all IEA	5.22	5.18	5.04	5.21	5.09	5.27	5.40	5.46		(Non-retail Funds & Deposits)									2004	%	%	%	%	%	%	%	%		Sub total	158,951,109	72,019,300	11,506,000	9,631,100	10,497,400	6,558,300	4,545,100	6,603,700		Sub total	98.67	99.21	97.52	100.00	97.57	100.00	97.21	98.30		Market Share	-	17.83%	5.93%	3.21%	1.26%	1.20%	0.88%	0.82%	0.26%	0.48%	0.52%
Depreciation and amortisation	248,812	117,500	29,500	12,300	14,000	5,700	17,900	5,700			2004	6.13	6.10	6.14	6.00	5.79	5.73	6.96	5.40			2004	46,031	46,600	7,300	(500)	(4,600)	400	(300)	500		-Cost of all interest bearing liabilities	4.31	4.21	4.30	4.42	4.19	4.50	4.46	4.64		Funding Limit	28.60	44.50	31.10	25.85	26.21	37.12	19.60		As % of Total Assets( inc Life Funds):-										Accrued Interest	2,136,207	574,800	292,800	0	261,800	0	130,500	114,400		Accrued Interest	1.33	0.79	2.48	0.00	2.43	0.00	2.79	1.70		Repayments as % of previous Y/E balances	24.62%	18.60%	13.73%	36.36%	20.69%	20.35%	21.65%	23.16%	8.71%	23.91%	21.42%
Total Operating Expenses	2,454,746	991,200	209,900	115,000	123,800	58,100	345,900	55,700		Percentage growth on 2004		(2.46)	(0.27)	(23.78)	(1.77)	10.50	(6.34)	(0.57)	5.91		Percentage growth on 2004		110.20	64.38	10.96	(160.00)	(145.65)	625.00	(2733.33)	60.00		-Spread	0.92	0.97	0.74	0.79	0.90	0.77	0.94	0.82		Statutory Limit	50.00	50.00	50.00	50.00	50.00	50.00	50.00		-Liquid Assets	18.29	13.67	25.98	23.81	22.73	17.19	23.66	22.61		Total	161,087,316	72,594,100	11,798,800	9,631,100	10,759,200	6,558,300	4,675,600	6,718,100		Total	100.00	100.00	100.00	100.00	100.00	100.00	100.00	100.00
Provisions For Bad & Doubtful Debt:										Mean Assets  2005-2004 (ex Life Funds)		262,618,044	114,219,700	28,825,200	15,673,800	16,634,950	10,264,850	8,656,900	9,270,250		Total Operating Expenses	2005	2,454,746	991,200	209,900	115,000	123,800	58,100	345,900	55,700		Cost/Income Ratio	63.69	59.87	72.55	59.99	58.70	50.65	78.12	52.30											-Loans and Advances	79.40	83.09	72.25	74.59	76.00	82.13	73.02	75.92		On Demand	124,340,798	69,315,300	9,314,200	0	8,043,300	6,558,300	1,100,000	2,178,200		On Demand	77.19	95.48	78.94	0.00	74.76	100.00	23.53	32.42		Other Loans		4,360,386	2,574,049	774,980	50,444	3,053	8,583	834	47,210	317,369	85,583
-Increase in General Provision (Res. Prop. & land)	1,408	1,200	0	(200)	2,200	1,700	(1,000)	800		As a percentage of Mean Assets:												2004	2,314,564	940,300	184,300	107,200	109,100	54,100	333,900	54,600												As a %age of Shares and borrowing									-Fixed Assets	0.65	0.60	0.50	0.56	0.69	0.32	1.93	0.82		In < 3 Months	20,691,188	392,300	353,500	7,148,400	471,000	0	2,511,600	4,423,700		In < 3 Months	12.84	0.54	3.00	74.22	4.38	0.00	53.72	65.85		Repayments as % of previous Y/E balances		28.21%	24.71%	56.45%	31.04%	30.53%	53.31%	34.74%	15.72%	35.87%	32.77%
-Increase in Specific Provision (Res. Prop. & land)	5,981	1,300	0	700	0	1,000	2,000	0		-Net Interest Margin		0.93	0.90	0.79	0.95	0.99	0.95	0.79	0.95		Percentage growth on 2004		6.06	5.41	13.89	7.28	13.47	7.39	3.59	2.01			TOTAL	Nationwide	Britannia	Yorkshire	Portman	Coventry	Skipton	Chelsea		Gross Capital	6.50	7.80	6.46	6.18	6.10	7.70	5.70		-Other Assets	0.61	0.68	0.66	0.99	0.25	0.10	1.01	0.53		In > 3 Months but < 1 Year	7,842,699	1,908,300	820,300	1,377,700	1,363,300	0	94,300	1,800		In > 3 Months but < 1 Year	4.87	2.63	6.95	14.30	12.67	0.00	2.02	0.03		(Securitised/sold) or Acquired in year- net		699,926	0	0	0	0	0	0	(90,000)	0	0
-Losses Written Off	76,598	65,000	8,100	(200)	(100)	200	3,100	0		-Profit on Ordinary Activities after Tax		0.34	0.35	0.18	0.32	0.36	0.36	0.76	0.38		Total Expenses inc.Provisions	2005	2,551,504	1,067,800	218,000	115,300	125,900	61,000	353,800	56,500												Free Capital	5.80	7.00	5.98	5.63	6.02	5.62	4.90		-Prepayments and Accrued Income	0.32	0.33	0.62	0.04	0.34	0.25	0.38	0.13		In > 1 Year but < 5 Years	5,715,515	403,400	1,018,000	896,400	619,800	0	733,600	0		In > 1 Year but < 5 Years	3.55	0.56	8.63	9.31	5.76	0.00	15.69	0.00
-Inc. in Provisions for Unsecured Loans and Assocs.	12,771	9,100	0	0	0	0	3,800	0		-Profit for the Financial Year		0.34	0.35	0.18	0.32	0.36	0.36	0.76	0.38			2004	2,360,595	986,900	191,600	106,700	104,500	54,500	333,600	55,100		TABLE D  2004										Liquid Assets	14.90	31.40	25.65	24.30	18.29	25.99	24.00		-Assets of Long Term Assurance Fund	0.73	1.64	0.00	0.00	0.00	0.00	0.00	0.00		In > 5 Years	360,909	0	0	208,600	0	0	105,600	0		In > 5 Years	0.22	0.00	0.00	2.17	0.00	0.00	2.26	0.00		Adjusted Net Lending
Provisions for contingent liabilities and commitments	(46,347)	(32,100)	0	(6,900)	0	0	400	0		-Free Capital		5.67	5.73	4.86	5.66	6.27	5.63	5.52	5.11		Percentage growth on 2004		8.09	8.20	13.78	8.06	20.48	11.93	6.06	2.54		INCOME STATEMENT RATIOS		GROUP	GROUP	GROUP	GROUP	SOCIETY	GROUP	GROUP											As % of Shares held by individuals										Other Shares and Borrowing 2004										Other Shares and Borrowing 2004										Loans fully secured on Residential Property	100,876,000	18,535,624	7,284,200	2,105,900	1,882,600	845,700	1,288,200	638,500	1,042,400	742,900	353,600
Miscellaneous Items	4,966	3,600	0	0	0	0	0	0		-Gross Capital		6.32	6.32	5.26	6.13	6.83	5.80	7.31	5.96		Profit before Tax	2005	1,251,450	559,200	72,500	69,500	85,000	53,700	91,200	50,000				04-04-06	31-12-05	31-12-05	31-12-05	31-12-05	31-12-05	31-12-05		As a %age of Mean Total Assets									-Loans and Advances	123.15	127.76	154.42	116.56	109.58	118.41	127.58	100.40		Amounts owed to Credit Institutions	9,810,950	5,255,700	1,228,900	185,900	248,700	251,400	174,800	50,300		Amounts owed to Credit Institutions	14.07	17.58	10.66	4.28	6.64	10.86	6.36	3.05		Market Share		18.37%	7.22%	2.09%	1.87%	0.84%	1.28%	0.63%	1.03%	0.74%	0.35%
Exceptional Items	(10,089)	0	1,200	0	0	0	1,800	0														2004	1,212,021	513,900	96,600	71,400	82,800	51,600	82,200	44,600			%	%	%	%	%	%	%	%		Profit After Tax	0.34	0.30	0.36	0.40	0.39	0.73	0.37		As % of Other Shares & Borrowing, Sub Debt & Sub Cap:-										Amounts owed to Other Customers	18,279,935	2,257,000	2,648,300	1,475,900	1,457,100	978,500	1,446,200	650,000		Amounts owed to Other Customers	26.21	7.55	22.98	34.00	38.92	42.27	52.59	39.36		Net lending as % of previous Y/E balances	13.02%	10.14%	8.85%	12.50%	16.20%	7.54%	16.65%	9.47%	18.43%	19.54%	7.65%
Profit Before Tax	1,251,450	559,200	72,500	69,500	85,000	53,700	91,200	50,000													Percentage growth on 2004		3.25	8.81	(24.95)	(2.66)	2.66	4.07	10.95	12.11		As % of Gross Income: Net Interest Receivable	17.62	18.52	15.03	16.86	17.10	15.66	11.10	17.65		Management Expenses	0.88	0.78	0.73	0.74	0.59	4.31	0.65		-Liquid Assets	61.78	47.62	54.23	80.65	87.23	66.71	66.32	114.67		Debt Securities in issue										Debt Securities in issue
Tax on Profit on Ordinary Activities:																					Profit on Ordinary Acivities after Tax	2005	885,100	397,200	51,200	50,900	59,900	37,100	65,900	34,900		As % of Mean Assets: Net Interest Receivable	1.11	1.14	0.96	0.97	1.02	0.95	1.18	1.09											As % of All Shares and Borrowing inc. Sub Debt & Sub Cap:-										Certificates of Deposit	11,322,409	7,802,400	0	260,700	801,800	288,800	506,600	180,700		Certificates of Deposit	16.23	26.10	0.00	6.00	21.41	12.48	18.42	10.94		Provisions for Loans fully secured on Residential Property
-Current Tax	361,098	188,500	16,800	8,800	19,700	12,000	23,600	13,300														2004	862,473	367,000	70,200	52,100	58,800	35,600	57,800	31,100		As % of Net Interest Receivable:-																			-All Reserves	6.47	6.40	6.48	6.41	6.06	6.02	7.55	5.66		Fixed and Floating Notes	27,470,000	13,479,100	7,647,300	1,884,700	1,206,800	796,200	0	770,600		Fixed and Floating Notes	39.39	45.10	66.36	43.41	32.23	34.39	0.00	46.66		Specific Provision at year end		46,392	1,800	0	3,100	0	3,800	0	9,400	16,000	6,600
-Deferred Tax	5,252	(26,500)	4,500	9,800	5,400	4,600	1,700	1,800													Percentage growth on 2004		2.62	8.23	(27.07)	(2.30)	1.87	4.21	14.01	12.22		-Gross Commission	38.50	25.96	22.99	20.46	29.13	20.23	403.50	13.03											-General Reserve	4.66	4.26	4.13	5.69	4.10	4.83	5.45	4.17		Other Debt Securities	2,862,300	1,096,100	0	534,200	29,900	0	622,200	0		Other Debt Securities	4.10	3.67	0.00	12.30	0.80	0.00	22.63	0.00		General Provision at year end		72,703	30,100	0	0	0	0	6,600	0	1,500	0
-Total Tax	366,350	162,000	21,300	18,600	25,100	16,600	25,300	15,100													Profit for the Financial Year	2005	885,100	397,200	51,200	50,900	59,900	37,100	65,900	34,900		-Other Income	15.03	27.12	4.80	9.53	1.13	(0.11)	5.36	7.12											-Free Reserves	5.78	5.77	5.96	5.82	5.34	5.68	5.47	4.80		Total	69,745,595	29,890,300	11,524,500	4,341,400	3,744,300	2,314,900	2,749,800	1,651,600		Total	100.00	100.00	100.00	100.00	100.00	100.00	100.00	100.00		Total Provision at Year end		208,760	31,900	50,000	20,000	11,700	14,900	6,600	9,400	17,500	6,600
Profit on Ordinary Activities after Tax	885,100	397,200	51,200	50,900	59,900	37,100	65,900	34,900														2004	862,473	367,000	70,200	52,100	58,800	35,600	57,800	31,100		-Bad Debts Specific & Write Offs	3.64	6.33	3.67	0.35	(0.07)	1.38	9.73	0.00											Market Share Ratios:-																														Total Provision as % of Total on balance sheet		0.10%	0.04%	0.26%	0.15%	0.10%	0.16%	0.09%	0.14%	0.38%	0.13%
Minority Interests	0	0	0	0	0	0	0	0													Percentage growth on 2004		2.62	8.23	(27.07)	(2.30)	1.87	4.21	14.01	12.22		As % of Cost of Funding: Commission Paid	0.98	0.07	1.71	0.96	1.08	0.24	7.27	0.44											-Total Assets	100.00	44.69	10.10	6.03	6.21	3.78	3.27	3.56		Accrued Interest  (included above)	558,728	236,900	97,400	0	32,300	17,900	27,100	0		Accrued Interest  (included above)	0.80	0.79	0.85	0.00	0.86	0.77	0.99	0.00		Total Provision as % of Total on balance sheet		0.10%	0.04%		0.26%	0.10%		0.15%	0.16%	0.14%	0.09%
Profit for the Financial Year	885,100	397,200	51,200	50,900	59,900	37,100	65,900	34,900																								As % of Net Interest Receivable +Other Income:-																			-Total Assets ex Life Funds	100.00	44.29	10.17	6.07	6.26	3.81	3.29	3.58		On Demand	4,335,134	2,006,700	29,500	0	522,000	226,000	259,400	25,800		On Demand	6.22	6.71	0.26	0.00	13.94	9.76	9.43	1.56
A S S E T S	£000	£000	£000	£000	£000	£000	£000	£000																								-Profit before Tax	31.14	30.66	25.67	37.47	43.30	51.39	19.59	45.58											-Loans and Advances	100.00	46.77	9.19	5.66	5.94	3.91	3.00	3.40		In < 3 Months	19,833,044	3,100,000	6,545,300	1,686,400	996,500	648,300	1,062,200	450,500		In < 3 Months	28.44	10.37	56.79	38.84	26.61	28.01	38.63	27.28
Liquid Assets:																																-Profit on Ordinary Activities after Tax	22.02	21.78	18.13	27.44	30.51	35.50	14.15	31.81											-Liquid Assets	100.00	33.41	14.34	7.85	7.72	3.55	4.23	4.40		In > 3 Months but < 1 Year	20,573,023	11,788,500	849,400	995,800	964,700	510,600	703,000	341,800		In > 3 Months but < 1 Year	29.50	39.44	7.37	22.94	25.76	22.06	25.57	20.70
-Cash in Hand and Balances with the Bank of England	589,879	368,600	33,400	32,700	9,800	27,000	12,300	12,400																								-Profit for Financial Year	22.02	21.78	18.13	27.44	30.51	35.50	14.15	31.81											-Reserves	100.00	44.02	10.17	5.93	5.90	3.56	3.76	3.15		In > 1 Year but < 5 Years	24,029,966	12,721,500	3,995,100	1,523,000	1,228,800	911,000	698,100	802,800		In > 1 Year but < 5 Years	34.45	42.56	34.67	35.08	32.82	39.35	25.39	48.61
-Treasury Bills and other eligible bills	94,500	0	0	0	0	0	0	94,500																								As % of Total Expenses:-																			-Fixed Assets	100.00	40.80	7.70	5.14	6.54	1.87	9.65	4.47		In > 5 Years	415,700	36,700	7,800	136,200	0	1,100	0	30,700		In > 5 Years	0.60	0.12	0.07	3.14	0.00	0.05	0.00	1.86
-Loans & Advances to Credit Institutions	10,773,278	1,364,000	2,397,800	441,000	760,400	284,700	279,200	677,600																								-Directors Remuneration	1.83	0.55	1.03	1.49	1.72	1.91	0.68	2.00											-Shares held by individuals	100.00	45.08	7.33	5.98	6.68	4.07	2.90	4.17
-Debt Securities	39,671,017	13,007,700	7,853,300	3,452,700	3,150,600	1,640,500	1,486,700	1,341,400																								-Staff Costs exc. Directors	51.73	46.11	51.16	61.13	68.21	56.73	60.12	51.93											-Other Shares and Borrowing	100.00	42.83	16.50	6.22	5.37	3.33	3.95	2.37		LISTED INVESTMENTS 2005
-Other Liquid Assets	65,596	0	0	0	0	0	0	20,400																								-Depreciation of Fixed Assets	10.54	11.91	15.40	11.53	13.40	10.46	5.37	10.34																					Book Value	20,708,605	9,395,200	4,518,900	100,600	3,150,600	826,200	678,300	622,800
Loans and advances to customers:																																-Bad Debts Specific & Write Offs	4.04	7.64	4.23	0.47	(0.10)	2.20	2.67	0.00																					Market Value	4,833,754		0	3,452,700	0	0	678,300	0
-Loans fully secured on residential property	202,155,867	89,587,400	18,952,500	12,061,600	13,503,200	9,025,300	6,609,100	7,380,700																								-Other Expenses inc. General Provision	39.94	41.99	41.96	33.44	37.24	40.63	37.22	38.27
-Other Loans:																																As % of Total Assets (ex Life Funds):-
--Loans fully secured on land	13,935,980	8,050,200	1,911,500	8,000	124,600	400	304,000	1,500																								-Profit before Tax	0.50	0.51	0.29	0.46	0.55	0.57	1.12	0.56
--Other Loans	4,228,072	3,710,000	1,700	24,300	0	53,100	117,200	0																								-Profit on Ordinary Activities after Tax	0.36	0.36	0.20	0.34	0.39	0.39	0.81	0.39
Investments	1,121,930	248,900	696,000	16,500	6,700	0	39,700	0																								-Profit for the Financial Year	0.36	0.36	0.20	0.34	0.39	0.39	0.81	0.39
Intangible Fixed Assets	288,508	80,500	50,300	0	39,500	8,000	88,500	0																								As % of Reserves:-
Tangible Fixed Assets	1,428,466	648,000	66,300	82,000	69,900	22,000	74,000	85,100																								-Profit on Ordinary Activities after Tax	5.83	6.13	3.64	5.30	6.38	6.70	10.86	6.32
Other Assets including derivatives	2,357,509	1,185,700	385,800	175,400	96,300	23,400	127,200	38,300																								-Profit for the Financial Year	5.83	6.13	3.64	5.30	6.38	6.70	10.86	6.32
Prepayments and Accrued Income	651,956	416,800	82,800	4,000	4,000	5,600	17,900	4,400																								Interest Rates:-
Assets of Long Term Assurance Fund	1,918,200	1,918,200	0	0	0	0	0	0																								-Average Residential Mortgage Interest	5.42	5.21	6.10	5.16	5.32	5.51	5.51	5.71
Total	279,280,758	120,586,000	32,431,400	16,298,200	17,765,000	11,090,000	9,155,800	9,656,300																								-Average Interest on Other Loans	5.83	6.71	0.00	3.31	6.41	7.47	8.73	5.13
L I A B I L I T I E S  &  R E S E R V E S																																-Average Investment Income	4.47	3.76	4.84	5.64	4.49	4.52	4.19	4.76
Shares																																-Average Interest payable on Shares  held by individuals	4.15	4.07	3.94	4.11	4.06	4.24	4.51	4.48
-Held by individuals	180,864,676	80,910,200	16,913,700	10,202,400	11,363,200	7,446,000	5,232,100	7,190,200																								-Average Interest payable on other  Shares and Borrowing	4.87	4.49	4.96	5.40	5.31	5.89	4.61	5.51
-Other shares	93,055	8,400	0	0	3,700	9,400	8,500	200																								-Average yield on all IEA	4.80	4.83	4.56	4.66	4.71	4.81	4.94	4.96
Amounts owed to credit institutions	11,215,554	5,858,800	1,109,200	471,700	360,600	187,600	269,800	66,700																								-Cost of all interest bearing liabilities	4.55	4.36	4.88	4.60	4.49	4.90	4.71	4.82
Amounts owed to other customers	19,617,264	2,608,300	2,441,400	1,649,900	1,749,600	1,034,200	1,406,500	590,600																								-Spread	0.25	0.46	(0.31)	0.06	0.22	(0.09)	0.23	0.15
Debt Securities:																																Cost/Income Ratio	66.28	61.46	78.88	64.61	65.12	56.08	78.44	52.15
Certificates of deposit	11,102,231	6,780,900	0	149,500	858,800	458,600	430,800	271,300
Fixed and floating rate notes	31,411,400	13,763,100	9,307,600	2,014,100	2,083,600	1,304,100	0	896,100
Other debt securities	2,632,000	223,600	0	614,700	17,100	0	928,900	13,000
Other Liabilities	3,209,782	1,375,300	904,000	167,100	172,600	47,300	129,500	40,200
Accruals and Deferred Income	646,952	313,500	150,000	13,000	14,900	5,600	37,000	19,400
Provisions for Liabilities and Charges	693,200	334,500	88,500	55,600	5,200	2,000	72,200	16,400
Subordinated liabilities	3,189,665	1,446,300	447,900	108,600	265,100	90,600	130,900	100,000
Subscribed Capital	1,403,924	741,200	110,000	0	196,500	41,600	26,300	0
General Reserves	11,719,289	4,825,600	955,000	851,600	673,600	463,000	475,400	425,600
Other Reserves	283,965	205,800	4,100	0	500	0	600	26,600
Minority Interests	7,300	0	0	0	0	0	7,300	0
Liabilities of Long Term Assurance Fund	1,190,500	1,190,500	0	0	0	0	0	0
Total	279,280,758	120,586,000	32,431,400	16,298,200	17,765,000	11,090,000	9,155,800	9,656,300
M O V E M E N T  I N  G E N E R A L  R E S E R V E S
Reserve at start of Financial Year	11,083,770	4,460,600	1,096,800	800,200	607,000	433,900	413,400	353,100
Prior Year Adjustment	(31,584)	(27,900)	(20,700)	0	0	0	11,000	39,400
Profit	885,100	397,200	51,200	50,900	59,900	37,100	65,900	34,900
Goodwill	0	0	0	0	0	0	0	0
Transfer of Engagements	0	0	0	0	0	0	0	0
Inter Reserve Transfer	2,521	0	0	0	0	0	0	0
Other	(111,533)	(4,300)	(62,300)	500	6,700	(8,000)	(14,900)	(1,800)
Reserve at end of Financial Year	11,828,274	4,825,600	1,065,000	851,600	673,600	463,000	475,400	425,600