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Consensus

Bradford & Bingley consensus as at 23 January 2008, based on 19 forecasts

Year ending 31 December (£m)	2006A	2007E Mean	2008E Mean	2009E Mean
Net interest income	510.2	544.7	520.7	536.1
Non-interest income	104.9	99.1	96.1	100.8
Total income	615.1	643.8	616.8	636.9
Total administrative expenses	(271.6)	(278.6)	(280.7)	(287.9)
Provisions for bad and doubtful debts	(7.4)	(17.9)	(29.3)	(40.9)
Total exceptional	(89.4)	(25.3)	(7.3)	(0.0)
Reported PBT	246.7	322.0	299.5	308.0
PBT pre ex. post amort.	336.1	347.3	306.8	308.0
Reported EPS (p)	28.2	37.0	36.0	36.6
EPS pre ex. post amort. (p)	38.1	40.7	37.2	36.6
DPS (p)	20.0	21.4	23.6	23.0
Group NIM (%)	1.19	1.10	0.99	0.95
Group interest spread (%)	1.02	0.91	0.80	0.77
Group reported RoE (%)(1)	17.4	17.1	14.8	14.7
Group cost:income (%)	44.2	43.1	46.1	45.9
Core Tier 1 Ratio (%)	7.0	7.8	8.3	7.9
Tier 1 Ratio (%)	7.6	8.7	9.2	9.2
Risk Weighted Assets (£bn)	20.4	18.6	18.3	18.3