Consolidated balance sheet

At 12 January 2008 (unaudited)
All amounts are stated in £m unless otherwise indicated

2007	Notes	General insurance	Banking	Other shareholder	Total shareholder	Long-term business	Eliminations	Total
Assets
Cash		-	172.9	-	172.9	16.5	(16.5)	172.9
Derivative financial instruments	4	-	88.2	45.3	133.5	500.4	-	633.9
Loans and advances to banks		-	1,204.0	-	1,204.0	-	-	1,204.0
Loans and advances to customers	5	-	9,009.0	5.0	9,014.0	12.7	-	9,026.7
Investments	6	1,191.9	2,439.7	771.4	4,403.0	18,131.6	(49.2)	22,485.4
Investment property		-	-	-	-	1,977.6	-	1,977.6
Reinsurers’ share of technical provisions	7	33.2	-	-	33.2	3,102.6	-	3,135.8
Intangible assets		28.5	5.2	29.4	63.1	17.9	-	81.0
Property, plant & equipment		-	79.8	21.3	101.1	42.1	-	143.2
Prepayments and other receivables		206.5	88.1	35.3	329.9	646.5	(9.1)	967.3
Total assets		1,460.1	13,086.9	907.7	15,454.7	24,447.9	(74.8)	39,827.8

Liabilities
Amounts due to credit institutions		4.4	661.3	0.8	666.5	2,983.2	-	3,649.7
Amounts owed to customers		-	10,559.5	(148.7)	10,410.8	-	(61.9)	10,348.9
Debt securities in issue		-	535.8	-	535.8	-	-	535.8
Derivative financial instruments	4	-	92.3	1.9	94.2	4.1	-	98.3
Insurance contracts	7	981.0	-	-	981.0	17,678.4	-	18,659.4
Investment contracts liabilities		-	-	-	-	220.1	-	220.1
Unallocated divisible surplus		-	-	-	-	1,045.6	-	1,045.6
Other borrowed funds		105.0	358.1	(105.0)	358.1	-	(3.8)	354.3
Other liabilities and accruals		66.3	147.4	139.6	353.3	2,364.0	(9.1)	2,708.2
Deferred tax		2.7	6.2	130.1	139.0	147.2	-	286.2
Provisions		1.0	9.4	12.4	22.8	5.3	-	28.1
Minority interests		-	26.9	-	26.9	-	-	26.9
Equity	8	299.7	690.0	876.6	1,866.3	-	-	1,866.3
Total liabilities and equity		1,460.1	13,086.9	907.7	15,454.7	24,447.9	(74.8)	39,827.8

The financial statements of the parent company and individual subsidiary companies are available from New Century House, Manchester, M60 4ES.

2006	Notes	General insurance	Banking	Other shareholder	Total shareholder	Long-term business	Eliminations	Total
Assets
Cash		-	186.9	1.2	188.1	36.9	-	225.0
Derivative financial instruments	4	-	84.4	-	84.4	635.2	-	719.6
Loans and advances to banks		-	1,367.0	-	1,367.0	-	-	1,367.0
Loans and advances to customers	5	-	8,147.6	(0.2)	8,147.4	15.9	-	8,163.3
Investments	6	1,263.8	2,754.8	934.9	4,953.5	21,066.6	(75.1)	25,945.0
Investment property		-	-	-	-	2,218.5	-	2,218.5
Reinsurers’ share of technical provisions	7	7.6	-	-	7.6	1,062.4	-	1,070.0
Intangible assets		26.0	7.2	28.3	61.5	23.6	-	85.1
Property, plant & equipment		-	93.8	23.9	117.7	45.8	-	163.5
Prepayments and other receivables		223.3	135.6	39.1	398.0	394.6	(21.4)	771.2
Total assets		1,520.7	12,777.3	1,027.2	15,325.2	25,499.5	(96.5)	40,728.2

Liabilities
Amounts due to credit institutions		13.4	700.6	17.1	731.1	5,686.3	-	6,417.4
Amounts owed to customers		-	9,544.3	(1.5)	9,542.8	-	(64.6)	9,478.2
Debt securities in issue		-	1,113.3	-	1,113.3	-	-	1,113.3
Derivative financial instruments	4	-	117.7	22.1	139.8	0.5	-	140.3
Insurance contracts	7	1,135.1	-	-	1,135.1	18,089.4	-	19,224.5
Investment contracts liabilities		-	-	-	-	192.6	-	192.6
Unallocated divisible surplus		-	-	-	-	1,155.4	-	1,155.4
Other borrowed funds		75.0	387.8	(75.0)	387.8	-	(10.5)	377.3
Other liabilities and accruals		26.3	209.5	65.1	300.9	150.2	(21.4)	429.7
Deferred tax		1.0	(1.9)	155.4	154.5	211.0	-	365.5
Provisions		4.0	6.8	5.3	16.1	14.1	-	30.2
Minority interests		-	24.4	-	24.4	-	-	24.4
Equity	8	265.9	674.8	838.7	1,779.4	-	-	1,779.4
Total liabilities and equity		1,520.7	12,777.3	1,027.2	15,325.2	25,499.5	(96.5)	40,728.2

The financial statements of the parent company and individual subsidiary companies are available from New Century House, Manchester, M60 4ES.