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5 Year Summary

Year ended 31 December		2007	2006	2005	2004	2003
Net interest income	£m	547.7	510.2	469.3	446.3	435.6
Non interest income	£m	106.6	104.7	111.3	265.3	302.6
Total income	£m	654.3	614.9	580.6	711.6	738.2
Underlying Total expenses	£m	280.2	271.6	264.8	432.2	468.6
Bad debt provisions	£m	22.5	7.4	5.7	(1.0)	6.6
Underlying Group profit before tax	£m	351.6	335.9	310.1	280.4	263.0
Exceptional costs	£m	225.6	89.4	46.6	51.7	-

Basic earnings per share	p	14.9	28.2	30.1	5.2	14.4
Underlying earnings per share	p	40.2	38.1	35.4	32.4	14.4
Dividend per ordinary share	p	21.0	20.0	18.3	17.1	16.5
Underlying return on equity	%	19.1	17.4	17.2	16.1	14.9
Underlying cost:income ratio	%	42.8	44.2	45.6	60.7	63.5
Group net interest margin	%	1.10	1.19	1.21	1.32	1.55

Total managed lending assets	£bn	40,444.5	36,131.7	31,127.2	28,967.7	25,854.6
Residential managed assets	£bn	39,422.3	31,134.7	26,115.9	23,676.3	20,683.9
Total savings balances	£bn	20,988.0	19,674.6	17,661.3	16,161.4	15,096.7

Tier I capital	£m	1,436.9	1,545.1	1,491.9	1,412.9	1,286.5
Tier I ratio	%	8.6	7.6	7.8	7.5	7.6
Total capital ratio	%	15.1	13.2	13.4	13.2	13.7