Interim Results - Part 1 of 4

Barclays PLC
2 August 2001


PART 1
                                Barclays PLC

                      Interim Results Announcement 2001


                                 BARCLAYS PLC

                   INTERIM ANNOUNCEMENT OF RESULTS FOR 2001

These results include the contribution of Woolwich plc group from 25th October
2000, following the acquisition of the company.

In order to provide a like for like comparison of the Group's performance, pro
forma results have also been prepared for the half years to 30th June 2000 and
31st December 2000 assuming that the acquisition of Woolwich plc took place on
1st January 2000.  The results of Woolwich plc have been restated using
Barclays accounting policies.  Other acquisitions and disposals in 2000 have
been reflected as if they took place on 1st January 2000 (see page 70).  Pro
forma comparisons are referred to where applicable.

Woolwich plc is the business acquired on 25th October 2000.  Woolwich includes
Woolwich plc and Barclays Mortgages, the UK mortgages and household insurance
operations of Barclays.


                                                                           PAGE
Summary                                                                       1
Financial highlights                                                          3
Half-year review                                                              4
Key facts (unaudited)                                                         6
Summary of results                                                            7
Consolidated profit and loss account (unaudited)                              8
Further analysis of profit and loss account (unaudited)                       9
Consolidated balance sheet (unaudited)                                       10
Financial review                                                             11
Additional information                                                       48
Notes (unaudited)                                                            51
Average balance sheet (unaudited)                                            62
Consolidated statement of changes in shareholders' funds (unaudited)         64
Statement of total recognised gains and losses (unaudited)                   65
Consolidated cashflow statement (unaudited)                                  66
Barclays PLC and Woolwich plc pro forma disclosure (unaudited)               69
US GAAP data (unaudited)                                                     71
Other information                                                            72


The information in this announcement, which was approved by the Board of
Directors on 1st August 2001, does not comprise statutory accounts within the
meaning of Section 240 of the Companies Act 1985 ('the Act').  Statutory
accounts for the year ended 31st December 2000, which also included the
Group's annual report on Form 20-F to the U.S. Securities and Exchange
Commission and which contained an unqualified audit report and did not make
any statements under Section 237 of the Act, have been delivered to the
Registrar of Companies in accordance with Section 242 of the Act.

This document contains certain forward-looking statements within the meaning
of the United States Private Securities Litigation Reform Act 1995 with
respect to certain of the Group's plans and its current goals and expectations
relating to its future financial condition and performance; this includes the
synergy expectations on page 43 relating to the acquisition of Woolwich plc.
By their nature, forward-looking statements involve risk and uncertainty
because they relate to future events and circumstances, including UK domestic
and global economic and business conditions, market related risks such as
interest rate and exchange rate, the policies and actions of governmental and
regulatory authorities, the impact of competition, and the Group's ability to
achieve the estimated synergies relating to the acquisition of Woolwich plc
(such as the ability to integrate businesses and IT systems within anticipated
timeframes, the ability to cross-sell products and the ability to share data),
a number of which are beyond the Group's control.  As a result, the Group's
actual future results may differ materially from the plans, goals, and
expectations set forth in the Group's forward-looking statements.

  BARCLAYS PLC, 54 LOMBARD STREET, LONDON EC3P 3AH, TELEPHONE [phone]



                                                               2nd August 2001

                            BARCLAYS PLC - SUMMARY

             RESULTS FOR SIX MONTHS TO 30TH JUNE 2001 (UNAUDITED)


                         Pro forma operating results

                                                  Half-year ended
                                             30.06.01 31.12.00 30.06.00       %
                                                                         Change
                                                   £m       £m       £m
Operating income*                               5,598    5,197    5,051      11
Operating expenses*                           (2,952)  (2,842)  (2,776)       6
Provisions for bad and doubtful debts           (498)    (453)    (397)      25
Provisions for contingent liabilities and         (2)        -        1       -
commitments
Operating Profit*                               2,140    1,904    1,867      15
Profit before tax**                             1,923    1,655    1,652      16


*    Operating profit shown above assumes that the acquisition of Woolwich
     plc took place on 1st January 2000 and excludes the restructuring charge,
     goodwill amortisation, Woolwich fair value adjustments and costs directly
     associated with the integration of Woolwich plc but includes the results   
     from joint ventures and associated undertakings.

**   Profit before tax is on a pro forma basis.  For further details see pages
     69-70.


-      Operating profit rose by 15% to £2,140 million (2000: £1,867 million).

-      Operating income increased by 11% to £5,598 million (2000: £5,051
       million).

-      Operating costs rose by 6% to £2,952 million (2000: £2,776 million).
       Business as usual costs rose by 1% to £2,321 million (2000: £2,294       
       million).

-      Total provisions for bad and doubtful debts rose in line with risk
       tendency by £101 million to £498 million.  On a pro forma basis risk     
       tendency increased from £900m in June 2000 to £1,100 million.


                              Summary information

                                        Half-year ended
                               30.06.01     31.12.00     30.06.00      % Change
Profit before tax               £1,923m      £1,654m      £1,842m             4
Earnings per share*               89.8p        81.7p        82.3p             9
Dividend per share                23.0p        38.0p        20.0p            15
Economic profit                   £722m        £610m        £819m          (12)


*   Earnings per share is based on the operating profit set out on page 9 and   
    also excludes exceptional items, with the results of Woolwich plc
    consolidated from the date of acquisition on 25th October 2000.



-   Economic profit was £722 million (2000: £819 million).  Economic profit
    in the first half of 2000 included £186 million in respect of the sale of   
    the Dial leasing business.  Adjusted for this, economic profit rose 14%.

-   Earnings per share increased to 89.8p (2000: 82.3p).

-   The post-tax return, based on operating profit, on average shareholders'    
    funds was 21.6% (2000: 27.4%).

-   The interim dividend increased by 15% to 23.0p (2000: 20.0p).



                            BARCLAYS PLC - SUMMARY

-   Shareholders' funds were £14.1 billion at 30th June 2001 (31st December     
    2000: £13.2 billion) and the tier 1 ratio was 7.7% (31st December 2000:     
    7.2%).  The Group's average economic capital requirement was estimated to be
    around £8.8 billion (31st December 2000: £8.5 billion), excluding goodwill  
    of £4.2 billion, to support its current business requirements and to allow  
    for future growth.

-   Overall banking margins reduced to 2.99% (2000: 3.17%).  The reduction in   
    the Group margin resulted from the acquisition of Woolwich plc.

-   Personal Financial Services (previously UK Personal Customers) increased    
    operating profit by 59% to £263 million (2000: £165 million).  Net
    fees and commissions grew by 7% as a result of higher levels of fee based
    current accounts and strong overdraft lending activity.  Total costs fell   
    7%.  Strategic investment was mainly directed at the branch network and     
    online services.

-   Woolwich (which includes Woolwich plc and Barclays Mortgages) operating     
    profit increased to £238 million (2000: £102 million).  On a pro forma      
    basis, half year on half year operating profit fell from £275 million to    
    £238 million as a result of a reduced contribution from Barclays Mortgages. 
    On an underlying basis, Woolwich plc operating profit increased by 6%.

-   Barclays Private Clients (previously Wealth Management) operating profit    
    declined 2% to £331 million (2000: £339 million) although operating profit  
    grew by 7% compared to the second half of 2000.  Net interest income growth 
    of 14% to £427 million (2000: £376 million) benefited from increased        
    volumes.  This was offset by a comparable decrease in net fees and          
    commissions as a result of reduced stock market deal volumes and depressed  
    market conditions.

-   Barclaycard operating profit increased by 18% to £275 million (2000: £
    234 million).  Net interest income rose by 15% and benefited from continued
    growth in extended credit balances.  Fees and commissions grew 11% as a     
    result of turnover growth and higher account fees.  Total costs increased by
    6% to £242 million (2000: £229 million).

-   Business Banking operating profit rose 8% to £608 million (2000: £564
    million).  Net interest income rose 4% reflecting increased customer lending
    and deposit balance growth.  Fees and commissions increased 8% as a result  
    of higher levels of lending related fees and volume driven growth of foreign
    exchange related income.

-   Barclays Africa operating profit increased 19% to £68 million (2000: £57    
    million).  Net interest income rose by 10% as a result of higher lending
    volumes.  Net fees and commissions increased 17% reflecting increased       
    customer numbers and the introduction of a new personal product range.

-   Barclays Capital increased operating profit by 22% to £377 million (2000:   
    £309 million) as a result of good performances across all activities.
    Net interest income grew by 23% to £312 million (2000: £253 million) and    
    dealing profits increased by 35% to £569 million (2000: £420 million).

-   Barclays Global Investors operating profit was maintained at £33 million.   
    Total assets under management decreased to £548 billion (31st December 2000:
    £550 billion).




                                 BARCLAYS PLC

                             FINANCIAL HIGHLIGHTS
                                               Half-year ended
                                                       30.6.01 31.12.00 30.6.00
RESULTS                                                     £m       £m      £m
Net interest income*                                     3,024    2,691   2,471
Non-interest income                                      2,574    2,228   2,215
Operating income*                                        5,598    4,919   4,686
Operating expenses*                                    (2,952)  (2,678) (2,525)
Provisions for bad and doubtful debts                    (498)    (441)   (376)
Provisions for contingent liabilities and commitments      (2)        -       1
(Loss) / income from joint ventures and associated         (6)        2    (10)
undertakings
Operating profit*                                        2,140    1,802   1,776
Restructuring charge                                      (63)    (126)   (106)
Woolwich integration costs                                (19)      (7)       -
Woolwich fair value adjustments                           (16)      (6)       -
Goodwill amortisation                                    (115)     (45)     (6)
Exceptional items                                          (4)       36     178
Profit before tax                                        1,923    1,654   1,842
Profit attributable to shareholders                      1,307    1,153   1,320
Economic profit                                            722      610     819
BALANCE SHEET
Shareholders' funds                                     14,106   13,187   9,237
Loan capital                                             7,893    6,370   4,748
Total capital resources                                 24,009   21,157  14,750
Total assets                                           363,950  316,190 286,385
Weighted risk assets                                   154,822  147,040 123,483
PER SHARE                                                    p        p       p
Earnings                                                  78.6     74.4    88.9
Earnings (based on operating profit above)*               89.8     81.7    82.3
Dividend                                                  23.0     38.0    20.0
Net asset value                                            848      794     626
PERFORMANCE RATIO                                            %        %       %
Post-tax return on average shareholders' funds            19.1     21.4    29.6
Post-tax return on average shareholders' funds
(based on operating profit above)*                        21.6     23.6    27.4
RISK ASSET RATIO                                             %        %       %
Tier 1                                                     7.7      7.2     8.0
Total                                                     12.2     11.0    11.5
GROUP YIELDS, SPREADS & MARGINS                              %        %       %
Gross yield                                               6.91     7.14    7.04
Interest spread                                           2.54     2.59    2.60
Interest margin                                           2.99     3.05    3.17
EXCHANGE RATES
Period end - US$/£                                        1.41     1.49    1.51
Average - US$/£                                           1.44     1.52    1.57
Period end - Euro / £                                     1.66     1.60    1.58
Average - Euro / £                                        1.60     1.64    1.64

* Excluding the restructuring charge, goodwill amortisation, Woolwich fair
  value adjustments and costs directly associated with the integration of
  Woolwich plc but including the results from joint ventures and associated
  undertakings.  Earnings per share and post-tax return on average shareholders'
  funds based on this operating profit also exclude exceptional items.



                                 BARCLAYS PLC

                               HALF YEAR REVIEW

The strategy presented 18 months ago is being executed effectively, and our
results are tracking the Group performance goals we set.

On a like for like basis our operating profit was up 15% at £2.1bn, driven by
increased income of 11% reflecting more activity on behalf of more customers
across the Group and by holding cost growth at 6%.  That cost growth funded
investment in rapidly growing business areas such as Barclays Global Investors
and Barclays Capital.  At the same time we have continued to bear down on
business as usual costs and have now made £388m progress to our target of £
1.15 billion by the end of 2003.  This is reflected in our productivity ratio
which has improved from 56% in the first half of 2000 to 53%.

These results have been achieved while taking a prudent stance on risk.  The
trend of growth in personal relative to corporate lending of the past ten
years has been accentuated by the Woolwich acquisition.  The cumulative effect
has been to reduce risk volatility in the Group's loan portfolio.

Earnings per share at the operating level rose 9% from 82.3p to 89.8p.  The
interim dividend is being increased by 15% from 20p to 23p.

We are focusing on markets where we have competitive advantage and where we
can offer greater value for customers and create more value for shareholders.

Less visible externally, but of major importance, the internal transformation
of the Group to achieve operational excellence in everything we do, continues
at pace.

The story of the first half is one of continuing momentum.  Commentators
express concern about the state of the economy and its effect on banks.  Our
position remains unchanged;  the outlook gives us cause for caution but not
alarm.  Whatever the outcome, we have achieved our momentum without
compromising on our prudent forward looking approach to risk.

Highlights of progress during the first half of 2001:

-     The Woolwich acquisition is proving to be even more valuable than we
      originally expected, and we are on course to deliver, by end 2003, annual
      pre-tax synergies of £400 million versus the £240 million we indicated at 
      the time we announced the transaction.

-     The L&G alliance is still in the early days, but it offers excellent
      prospects for our customers, and the pace of implementation has been      
      faster than planned.  We are now the designated stakeholder pension       
      provider for over 21,000 companies.

-     We are reinventing our proposition for personal customers to increase
      convenience, simplicity, value and transparency.

-     Business Banking continues to build on its high levels of customer
      satisfaction, providing innovative services and creative use of new
      technology.

-     Our wealth management businesses have been integrated into a new
      unified, integrated global business branded Barclays Private Clients.     
      With over 1 million clients and the strongest brand among the affluent in 
      Europe, it is already one of the leaders in the field.

-     Barclays Capital extended its activities in the US, Europe and Asia.  We
      are number three in Europe and number eight globally as overall debt      
      arranger.

-     We are capitalising on the brand, scale and competencies of Barclaycard
      to extend the product line and drive forward our expansion into Europe.

Our strategy is designed to enable us to meet our value goals through organic
growth.  We have no intention nor, indeed, incentive to pursue consolidation
moves that are value destroying.  We have good potential for top line revenue
growth as well as for further efficiency gains in our existing businesses.
While our primary target is organic growth, if a non-organic move demonstrably
created value for shareholders and customers, and fitted with our portfolio
shape, then we would clearly pursue any such opportunity.

Barclays key strengths:

-      The Barclays brand is well known and respected throughout the world,
       and is a good passport to new markets.

-      We have businesses in the US, South America, Asia, Africa and 12
       countries in Europe, and have 600 branches outside the UK.

-      We have a powerful domestic franchise, with one of the most extensive
       integrated distribution networks anywhere in the world, serving in the UK
       over 16 million personal customers and some 550,000 business customers.

-      We have a wide spread of value-creating businesses in both retail and
       wholesale financial services, insulating us from over-dependence on any  
       single market, customer segment or product set.

-      In Barclays Capital, Barclaycard, Barclays Private Clients, and BGI, we
       have businesses of regional and/or global reach that are competitively
       advantaged and have attractive future growth prospects in Europe and     
       beyond.

-      We have one of the world's largest and most sophisticated data
       warehousing and customer information management systems, allowing us to
       anticipate and meet customer needs and develop offerings tailored to
       individuals or segments.

-      We have a superb workforce, giving Barclays and its many customers a
       quality of energy and intellectual capital across all our businesses     
       that, we believe, is second to none.

-      Underpinning this is excellence in credit and market risk disciplines
       that gives us confidence to grow and preserve earnings quality.

Barclays is driving forward with the implementation of its growth strategy.
We will continue investing heavily in areas with attractive growth prospects,
with a particular focus on Europe.  We will maintain the pressure on our cost
base, giving ourselves thereby the ability to invest and grow.  We will
maintain the pace of our internal transformation, ensuring the operational
rigour and excellence that must underpin all of our objectives.


Sir Peter Middleton                       Matthew W. Barrett
Group Chairman                            Group Chief Executive



                                 BARCLAYS PLC

                            KEY FACTS (UNAUDITED)


                                                    30.06.01 31.12.00 30.06.00

Number of UK branches                                  2,120    2,129    1,728
Number of overseas branches                              600      624      600
Number of UK Barclays Group ATMs                       3,900    3,800    3,200
Employees worldwide                                   75,800   75,300   70,300
Total customers registered for telephone banking        1.3m     1.2m     1.1m
Total customers registered for online banking           2.7m     2.0m     1.1m

PERSONAL FINANCIAL SERVICES AND WOOLWICH
UK current accounts                                     9.9m     9.7m     9.4m
UK savings accounts                                     8.6m     8.4m     8.0m
Open Plan customers                                  806,000  544,000  263,000
Total UK mortgage balances                           £49.3bn  £47.5bn  £46.1bn

BARCLAYS PRIVATE CLIENTS
Continental European customers                       303,000  313,000  311,000
Total customers funds                                  £94bn    £95bn    £96bn
Stockbrokers - average deal volumes per day            7,000    8,100    8,900

BARCLAYCARD
Barclaycard UK customers                                8.0m     7.9m     7.8m
Customers registered for online services             512,000  388,000  235,000
Retailer relationships                                83,000   81,000   81,000
Number of retailer transactions processed              0.6bn    0.7bn    0.5bn
Barclaycards issued overseas                            1.2m     1.2m     1.1m

BUSINESS BANKING
Number of Business Banking UK connections
- Small business                                     285,000  287,000  282,000
- Medium business                                    249,000  251,000  258,000
- Large business                                      14,000   14,000   14,000
Number of current accounts                           762,000  765,000  763,000
Number of Business Premium deposit accounts          252,000  257,000  261,000
Customers registered for online banking/             252,000  208,000  174,000
BusinessMaster

AFRICA
Customer numbers                                        1.5m     1.5m     1.5m

BARCLAYS GLOBAL INVESTORS
Total assets under management                         £548bn   £550bn   £529bn
Number of institutional customers                      2,400    1,800    1,600


                          League table      30.06.01 League table      30.06.00
                              position      issuance     position      issuance
                                               value                      value

BARCLAYS CAPITAL
Sterling bonds                     1st        £6.1bn          2nd        £3.8bn
Syndicated loans (Europe,          1st       $18.1bn          1st       $35.5bn
Middle East, Africa)
Syndicated loans (ex USA)          2nd       $21.5bn          2nd       $38.9bn
All syndicated loans               5th       $30.2bn          4th       $49.0bn
All international bonds           10th       $44.1bn         11th       $25.2bn



                                 BARCLAYS PLC

                              SUMMARY OF RESULTS


PROFIT BEFORE TAX                                    Half-year ended
                                               30.06.01      31.12.00  30.06.00
                                                     £m            £m        £m
Personal Financial Services                         263           254       165
Woolwich*                                           238           128       102
Barclays Private Clients                            331           310       339
Barclaycard                                         275           230       234
Business Banking                                    608           538       564
Barclays Africa                                      68            53        57
Barclays Capital                                    377           266       309
Barclays Global Investors                            33            25        34
Other operations                                    (7)            28      (11)
Head office functions                              (46)          (30)      (17)
Operating profit                                  2,140         1,802     1,776
Restructuring charge                               (63)         (126)     (106)
Woolwich integration costs                         (19)           (7)         -
Woolwich fair value adjustments                    (16)           (6)         -
Goodwill amortisation                             (115)          (45)       (6)
Exceptional items                                   (4)            36       178
                                                  1,923         1,654     1,842


*     Comprises the contribution from Woolwich plc since the acquisition on
      25th October 2000 and the Barclays mortgage business.

TOTAL ASSETS AND WEIGHTED RISK ASSETS

                                    Total assets       Weighted risk assets
                       30.06.01 31.12.00 30.6.00 30.06.01 31.12.00 30.06.00
                             £m       £m      £m       £m       £m       £m
Personal Financial        6,934    6,562   6,304    5,906    5,598    5,530
Services
Woolwich                 55,962   55,243  18,693   29,397   28,620    9,640
Barclays Private         13,266   13,352  12,735    8,666    8,390    7,730
Clients
Barclaycard               9,496    9,805   8,882    9,320    9,623    8,883
Business Banking         44,932   41,364  40,011   45,531   44,017   41,891
Barclays Africa           2,656    2,291   2,345    1,859    1,661    1,602
Barclays Capital        211,547  168,894 182,619   51,237   45,946   45,222
Barclays Global             263      259     255      535      653      653
Investors
Other operations          6,301    5,440   6,339    2,371    2,532    2,332
and Head office
functions
Goodwill                  4,198    4,269     188        -        -        -
Retail life-fund assets   8,395    8,711   8,014        -        -        -

                        363,950  316,190 286,385  154,822  147,040  123,483



                                 BARCLAYS PLC

               CONSOLIDATED PROFIT AND LOSS ACCOUNT (UNAUDITED)


                                                            Half-year ended
                                                     30.06.01 31.12.00 30.06.00
                                                           £m       £m       £m

Interest receivable                                     6,940    6,297    5,491
Interest payable                                      (3,936)  (3,613)  (3,022)
Profit on repurchase of loan capital                        -        -        2
Net interest income                                     3,004    2,684    2,471
Net fees and commissions receivable                     1,786    1,767    1,602
Dealing profits                                           570      262      415
Other operating income                                    218      199      198
Total non-interest income                               2,574    2,228    2,215
Operating income                                        5,578    4,912    4,686
Administration expenses - staff costs                 (1,793)  (1,613)  (1,606)
Administration expenses - other                       (1,088)  (1,065)    (902)
Depreciation and amortisation                           (264)    (177)    (129)
Operating expenses                                    (3,145)  (2,855)  (2,637)
Operating profit before provisions                      2,433    2,057    2,049
Provisions for bad and doubtful debts                   (498)    (441)    (376)
Provisions for contingent liabilities and commitments     (2)        -        1
Operating profit                                        1,933    1,616    1,674
(Loss) / income from joint ventures and associated
undertakings                                              (6)        2     (10)
Exceptional items                                         (4)       36      178
Profit on ordinary activities before tax                1,923    1,654    1,842
Tax on profit on ordinary activities                    (548)    (456)    (488)
Profit on ordinary activities after tax                 1,375    1,198    1,354
Minority and other interests (equity and non-equity)     (68)     (45)     (34)
Profit for the financial year attributable to the
members of Barclays PLC                                 1,307    1,153    1,320
Dividends                                               (383)    (632)    (295)
Profits retained for the period                           924      521    1,025

Earnings per ordinary share                             78.6p    74.4p    88.9p

Earnings per ordinary share before restructuring 
charge, goodwill amortisation, fair value adjustments,   
integration costs and exceptional items                 89.8p    81.7p    82.3p

Dividend per ordinary share:
First interim (payable 1st October 2001)                23.0p        -    20.0p
Second interim                                              -    38.0p        -



                                 BARCLAYS PLC

                 FURTHER ANALYSIS OF PROFIT AND LOSS ACCOUNT
                 FOR THE HALF YEAR 30TH JUNE 2001(UNAUDITED)


                                                       Half year ended
                                                   30.6.01 31.12.00 30.6.00
                                                       £m        £m      £m

Interest receivable                                 6,968     6,308   5,491
Interest payable                                   (3,944)  (3,617) (3,022)
Profit on repurchase of loan capital                    -         -       2
Net interest income                                 3,024     2,691   2,471

Net fees and commissions receivable                 1,786     1,767   1,602
Dealing profits                                       570       262     415
Other operating income                                218       199     198
Total non-interest income                           2,574     2,228   2,215
Operating income                                    5,598     4,919   4,686
Administration expenses - staff costs              (1,738)  (1,533) (1,514)
Administration expenses - other                    (1,062)  (1,012)   (888)
Depreciation and amortisation                       (152)     (133)   (123)
Operating expenses                                 (2,952)  (2,678) (2,525)
                                                    2,646     2,241   2,161
Provisions for bad and doubtful debts               (498)     (441)   (376)
Provisions for contingent liabilities and             (2)         -       1
commitments
(Loss)/income from joint ventures and associated
undertakings                                          (6)         2    (10)
Operating profit*                                   2,140     1,802   1,776
Restructuring charge                                 (63)     (126)   (106)
Woolwich integration costs                           (19)       (7)       -
Woolwich fair value adjustments**                    (16)       (6)       -
Goodwill amortisation                               (115)      (45)     (6)
Exceptional items                                     (4)        36     178
Profit on ordinary activities before tax            1,923     1,654   1,842

*     The operating profit shown on page 8 includes the restructuring charge,
      goodwill amortisation, Woolwich fair value adjustments and costs directly
      associated with the integration of Woolwich plc but excludes (loss)/income
      from joint ventures and associated undertakings.

**    Woolwich plc fair value adjustment represents £20m net interest charge
      and £4m of credit to operating expenses.


                                 BARCLAYS PLC

                    CONSOLIDATED BALANCE SHEET (UNAUDITED)

                                                      30.06.01 31.12.00 30.06.00
Assets:                                                     £m       £m       £m
Cash and balances at central banks                       1,048    1,243      588
Items in course of collection from other banks           2,935    2,509    2,660
Treasury bills and other eligible bills                  7,795    5,564    9,584
Loans and advances to banks     - banking               12,149    9,570    9,678
                                - trading               38,207   26,856   30,607
                                                        50,356   36,426   40,285
Loans and advances to customers - banking              141,999  138,423   99,893
                                - trading               37,268   23,687   34,547
                                                       179,267  162,110  134,440

Debt securities                                         81,524   70,770   61,380
Equity shares                                            6,739    4,062    9,947
Interests in associated undertakings and joint              91      122       97
ventures
Intangible fixed assets - goodwill                       4,198    4,269      188
Tangible fixed assets                                    2,022    2,059    1,731
Other assets                                            19,580   18,345   17,471
                                                       355,555  307,479  278,371
Retail life-fund assets attributable to policyholders    8,395    8,711    8,014
Total assets                                           363,950  316,190  286,385

Liabilities:                                                             
Deposits by banks - banking                             38,838   32,445   39,624
                              - trading                 29,252   17,311   19,908
                                                        68,090   49,756   59,532
Customer accounts - banking                            141,258  140,352  112,464
                              - trading                 30,182   18,616   27,875
                                                       171,440  158,968  140,339
Debt securities in issue                                41,299   31,883   18,388
Items in course of collection due to other banks         1,350    1,176    1,252
Other liabilities                                       49,367   44,539   44,110
Undated loan capital - convertible to preference           356      335      330
shares
Undated loan capital - non-convertible                   2,866    2,337    1,475
Dated loan capital - non-convertible                     4,671    3,698    2,943
                                                       339,439  292,692  268,369

Minority interests and shareholders' funds:
Minority interests: equity                                 104      108       86
Minority and other interests: non-equity                 1,906    1,492      679
Called up share capital                                  1,664    1,662    1,477
Reserves                                                12,442   11,525    7,760
Shareholders' funds: equity                             14,106   13,187    9,237
                                                        16,116   14,787   10,002
                                                       355,555  307,479  278,371
Retail life-fund liabilities attributable to             8,395    8,711    8,014
policyholders
Total liabilities and shareholders' funds              363,950  316,190  286,385



MORE TO FOLLOW