Final Results. Appendix 1 of

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		Adjustments
	Pro forma	RFS Minority interest	Reallocation of one-off items	Statutory
	£m	£m	£m	£m

Net interest income	13,567	2,937	-	16,504

Non-interest income (excluding insurance net premium income)	10,592	2,128	3,922	16,642
Insurance net premium income	5,266	278	-	5,544

Non-interest income	15,858	2,406	3,922	22,186

Total income	29,425	5,343	3,922	38,690
Operating expenses	(17,401)	(4,096)	19	(21,478)

Profit before other operating charges	12,024	1,247	3,941	17,212
Insurance net claims	(4,357)	(500)	-	(4,857)

Operating profit/(loss) before impairment losses	7,667	747	3,941	12,355
Impairment losses	(13,899)	(1,051)	-	(14,950)

Operating (loss)/profit	(6,232)	(304)	3,941	(2,595)
Amortisation of purchased intangible assets	(272)	-	272	-
Write-down of goodwill and other intangible assets	(363)	-	363	-
Integration and restructuring costs	(1,286)	-	1,286	-
Gain on redemption of own debt	3,790	-	(3,790)	-
Strategic disposals	132	-	(132)	-
Gains on pensions curtailment	2,148	-	(2,148)	-
Bonus tax	(208)	-	208	-

Operating loss before tax	(2,291)	(304)	-	(2,595)
Tax	339	32	-	371

Loss from continuing operations	(1,952)	(272)	-	(2,224)
Loss from discontinued operations, net of tax	(72)	(27)	-	(99)

Loss for the period	(2,024)	(299)	-	(2,323)
Minority interests	(648)	299	-	(349)
Preference share and other dividends	(935)	-	-	(935)

Loss attributable to ordinary shareholders	(3,607)	-	-	(3,607)

		Adjustments
	Pro forma	RFS Minority interest	Reallocation of one-off items	Statutory
	£m	£m	£m	£m

Net interest income	15,764	2,911	-	18,675

Non-interest income (excluding insurance net premium income)	(874)	1,299	442	867
Insurance net premium income	5,709	617	-	6,326

Non-interest income	4,835	1,916	442	7,193

Total income	20,599	4,827	442	25,868
Operating expenses	(16,188)	(19,303)	(18,711)	(54,202)

Profit/(loss) before other operating charges	4,411	(14,476)	(18,269)	(28,334)
Insurance net claims	(3,917)	(513)	-	(4,430)

Operating profit/(loss) before impairment losses	494	(14,989)	(18,269)	(32,764)
Impairment losses	(7,432)	(640)	-	(8,072)

Operating loss	(6,938)	(15,629)	(18,269)	(40,836)
Amortisation of purchased intangible assets	(443)	-	443	-
Write-down of goodwill and other intangible assets	(16,911)	-	16,911	-
Integration and restructuring costs	(1,357)	-	1,357	-
Strategic disposals	442	-	(442)	-

Operating loss before tax	(25,207)	(15,629)	-	(40,836)
Tax	1,995	328	-	2,323

Loss from continuing operations	(23,212)	(15,301)	-	(38,513)
(Loss)/profit from discontinued operations, net of tax	(86)	4,057	-	3,971

Loss for the period	(23,298)	(11,244)	-	(34,542)
Minority interests	(412)	11,244	-	10,832
Preference share and other dividends	(596)	-	-	(596)

Loss attributable to ordinary shareholders	(24,306)	-	-	(24,306)

		Adjustments
	Pro forma	RFS Minority interest	Reallocation of one-off items	Statutory
	£m	£m	£m	£m

Net interest income	3,446	821	-	4,267

Non-interest income (excluding insurance net premium income)	2,786	431	(166)	3,051
Insurance net premium income	1,308	143	-	1,451

Non-interest income	4,094	574	(166)	4,502

Total income	7,540	1,395	(166)	8,769
Operating expenses	(4,473)	(1,163)	1,601	(4,035)

Profit before other operating charges	3,067	232	1,435	4,734
Insurance net claims	(1,321)	(193)	-	(1,514)

Operating profit before impairment losses	1,746	39	1,435	3,220
Impairment losses	(3,099)	(303)	-	(3,402)

Operating (loss)/profit	(1,353)	(264)	1,435	(182)
Amortisation of purchased intangible assets	(59)	-	59	-
Write-down of goodwill and other intangible assets	(52)	-	52	-
Integration and restructuring costs	(228)	-	228	-
Strategic disposals	(166)	-	166	-
Gains on pensions curtailment	2,148	-	(2,148)	-
Bonus tax	(208)	-	208	-

Operating loss before tax	82	(264)	-	(182)
Tax	(649)	(18)	-	(667)

Loss from continuing operations	(567)	(282)	-	(849)
Loss from discontinued operations, net of tax	(7)	(11)	-	(18)

Loss for the period	(574)	(293)	-	(867)
Minority interests	(47)	293	-	246
Preference share and other dividends	(144)	-	-	(144)

Loss attributable to ordinary shareholders	(765)	-	-	(765)

		Adjustments
	Pro forma	RFS Minority interest	Reallocation of one-off items	Statutory
	£m	£m	£m	£m

Net interest income	3,261	602	-	3,863

Non-interest income (excluding insurance net premium income)	2,532	568	(155)	2,945
Insurance net premium income	1,301	(29)	-	1,272

Non-interest income	3,833	539	(155)	4,217

Total income	7,094	1,141	(155)	8,080
Operating expenses	(4,195)	(960)	(397)	(5,552)

Profit/(loss) before other operating charges	2,899	181	(552)	2,528
Insurance net claims	(1,145)	(64)	-	(1,209)

Operating profit/(loss) before impairment losses	1,754	117	(552)	1,319
Impairment losses	(3,279)	(209)	-	(3,488)

Operating loss	(1,525)	(92)	(552)	(2,169)
Amortisation of purchased intangible assets	(73)	-	73	-
Integration and restructuring costs	(324)	-	324	-
Strategic disposals	(155)	-	155	-

Operating loss before tax	(2,077)	(92)	-	(2,169)
Tax	576	21	-	597

Loss from continuing operations	(1,501)	(71)	-	(1,572)
Loss from discontinued operations, net of tax	(7)	(12)	-	(19)

Loss for the period	(1,508)	(83)	-	(1,591)
Minority interests	(47)	83	-	36
Preference share and other dividends	(245)	-	-	(245)

Loss attributable to ordinary shareholders	(1,800)	-	-	(1,800)

		Adjustments
	Pro forma	RFS Minority interest	Reallocation of one-off items	Statutory
	£m	£m	£m	£m

Net interest income	4,427	763	-	5,190

Non-interest income (excluding insurance net premium income)	(5,503)	312	442	(4,749)
Insurance net premium income	1,439	184	-	1,623

Non-interest income	(4,064)	496	442	(3,126)

Total income	363	1,259	442	2,064
Operating expenses	(3,735)	(16,702)	(17,725)	(38,162)

Loss before other operating charges	(3,372)	(15,443)	(17,283)	(36,098)
Insurance net claims	(1,056)	(139)	-	(1,195)

Operating loss before impairment losses	(4,428)	(15,582)	(17,283)	(37,293)
Impairment losses	(4,673)	(341)	-	(5,014)

Operating loss	(9,101)	(15,923)	(17,283)	(42,307)
Amortisation of purchased intangible assets	(62)	-	62	-
Write-down of goodwill and other intangible assets	(16,911)	-	16,911	-
Integration and restructuring costs	(752)	-	752	-
Strategic disposals	442	-	(442)	-

Operating Loss before tax	(26,384)	(15,923)	-	(42,307)
Tax	2,416	359	-	2,775

Loss from continuing operations	(23,968)	(15,564)	-	(39,532)
Profit from discontinued operations, net of tax	1	210	-	211

Loss for the period	(23,967)	(15,354)	-	(39,321)
Minority interests	(221)	15,354	-	15,133
Preference share and other dividends	(162)	-	-	(162)

Loss attributable to ordinary shareholders	(24,350)	-	-	(24,350)

Companies

UK 100

Latest directors dealings

	Pro forma	Transfers	Statutory
	£m	£m	£m

Assets
Cash and balances at central banks	51,548	713	52,261
Net loans and advances to banks	48,777	7,879	56,656
Reverse repurchase agreements and stock borrowing	35,097	-	35,097
Loans and advances to banks	83,874	7,879	91,753
Net loans and advances to customers	554,654	132,699	687,353
Reverse repurchase agreements and stock borrowing	41,040	-	41,040
Loans and advances to customers	595,694	132,699	728,393
Debt securities	249,095	18,159	267,254
Equity shares	15,960	3,568	19,528
Settlement balances	12,024	9	12,033
Derivatives	438,199	3,255	441,454
Intangible assets	14,786	3,061	17,847
Property, plant and equipment	17,773	1,624	19,397
Deferred taxation	6,492	547	7,039
Prepayments, accrued income and other assets	18,604	2,381	20,985
Assets of disposal groups	18,432	110	18,542

Total assets	1,522,481	174,005	1,696,486

Liabilities
Bank deposits	115,642	(11,504)	104,138
Repurchase agreements and stock lending	38,006	-	38,006
Deposits by banks	153,648	(11,504)	142,144
Customer deposits	414,251	131,598	545,849
Repurchase agreements and stock lending	68,353	-	68,353
Customer accounts	482,604	131,598	614,202
Debt securities in issue	246,329	21,239	267,568
Settlement balances and short positions	50,875	1	50,876
Derivatives	421,534	2,607	424,141
Accruals, deferred income and other liabilities	24,624	5,703	30,327
Retirement benefit liabilities	2,715	248	2,963
Deferred taxation	2,161	650	2,811
Insurance liabilities	7,633	2,648	10,281
Subordinated liabilities	31,538	6,114	37,652
Liabilities of disposal groups	18,857	33	18,890

Total liabilities	1,442,518	159,337	1,601,855

Equity
Minority interests	2,227	14,668	16,895
Owners' equity	77,736	-	77,736

Total equity	79,963	14,668	94,631

Total liabilities and equity	1,522,481	174,005	1,696,486