BBA Abstract of Banking

Abstract ofAbstract ofBanking StatisticsBanking Statistics

Volume 27 - 2010

British Bankers’ Association

British Bankers’ Association – Abstract of Banking Statistics

Introduction

Looking back, we can see some of the impacts of the global financial crisis on the recent profitability of UK banking. Aggregate pre-tax losses in 2008 at the main UK high street banking groups of more than £40bn (reflected largely in RBS) were followed by a small return to profitability in the latest year. Profits from all UK banks’ outward investment fell ten-fold to around £1bn, while the UK operations of overseas banks saw losses of £28bn. The significance of the economic value of banking services should not be dismissed, however. Earnings for the UK balance of payments arising from the export of financial services in 2008 reached a record £31bn. In the year prior to the crisis, some 4% of UK growth reflected the banking industry, while banking and other financial services generated £12bn of Corporation Tax and 15% of Income Tax receipts for the UK. Dividend payments from UK banks are also, of course, significant income for investment and pension funds. The UK economy emerged from recession in the final quarter of 2009 after contracting by more than 5% over the previous year and a half. The annual data in this Abstract are therefore heavily influenced by changes in behaviour by lenders needing to re-build balance sheets and experiencing deteriorating credit quality, businesses working through difficult trading conditions and households looking to tighten their belts. Of particular interest in this year’s volume: Tables 2.08, 4.04

The main high street banks were the only sector in the mortgage market with a significant increase in annual net lending, with societies and specialist lenders showing sharp contractions.

Tables 4.05, 4.03 Uncertain household finances put a complete brake on consumer credit growth, with the focus turning to savings.

Tables 3.03, 3.05, 3.07 There was a return to pre-tax profitability, with strengthened capital resources.

Tables 9.03, 9.04 The UK remains the largest international financial centre, holding one-fifth of European banking assets.

Data frequency and reproduction Enquiries about the content or availability of data or suggestions for expansion are always welcome. Contacts within the BBA Statistics Team are: David Dooks Director 020 7216 8837 Janine Randolph Statistics & Security Analyst 020 7216 8834 Peter Denton Statistics Analyst 020 7216 8835 Rick Salmon Statistics Analyst 020 7216 8815 Poonam Shah Statistics Assistant 020 7216 8829 Reproduction or use of information from the Abstract within a commercial context is permitted only with BBA consent - applications, for which there may be a charge, should be made in writing to the Director, please. As well as this pdf version of the Abstract, an on-line service, providing downloadable Excel spreadsheets containing long-run data series (in some cases over 30 years) is available on subscription; for information, see the Statistics area of the BBA website at www.bba.org.uk


Contents

Section / Table No. 1. UK banking sector balance sheet Commentary 1.01 All banks in the UK: balance sheet 1.02 UK banks: balance sheet 1.03 Non-UK banks: balance sheet 1.04 Number of banks in the UK Notes & definitions 2. Main high street banking groups : UK banking statistics Commentary 2.01 MBBG aggregate balance sheet 2.02 MBBG deposits from UK residents: by sector 2.03 MBBG deposits from UK residents: industrial analysis 2.05 MBBG advances to UK residents: by sector 2.06 MBBG sterling lending to UK residents: industrial analysis 2.08 MBBG sterling mortgage lending 2.09 MBBG total facilities outstanding & percentage utilisation 2.10 MBBG write-offs and other revaluations 2.11 MBBG advances to agriculture, hunting, forestry & fishing: by region Notes & definitions 3. Main high street banking groups: Worldwide banking groups Commentary 3.01 Total liabilities & shareholders’ equity/assets 3.03 Pre-tax profits: segmental analysis 3.04 Individual group balances 3.05 Capital resources & risk weighted assets 3.07 MBBG income statement 3.08 Impairment: charge to profit and loss account 3.09 UK group staff Notes & definitions 4. Money & credit markets

Commentary 4.03 UK private sector holdings of selected sterling assets 4.04 Net mortgage lending 4.05 Net lending for consumer credit 4.06 Small firms’ loan guarantee scheme & bank support for small businesses 4.07 Bank support for businesses in deprived areas Notes & definitions


Section / Table No. 5. Staff, branches, ATMs & accounts Commentary 5.01 Number of staff 5.02 UK branch networks 5.03 Number of automated teller machines (ATMs) 5.04 Automated teller machine (ATM) usage 5.05 Number of accounts 5.06 Basic bank accounts & individual savings accounts 5.07 High street banks’ physical security Notes & definitions 6. Plastic card statistics Commentary 6.01 MasterCard & Visa credit card statistics 6.02 Plastic cards 6.03 Plastic card transactions in the UK 6.04 Plastic card fraud losses of UK card issuers 6.05 Clearing Statistics: Annual Volume & Value Notes & definitions 9. International banking statistics

Commentary 9.01 Net exports of UK financial services 9.02 External business of banks operating in the UK 9.03 International banking analysed by centre 9.04 UK banks’ non-resident direct investment 9.05 European banks’ assets Notes & definitions Symbols & conventions .. not available n/a not applicable - nil or less than half the final digit shown * figure revised since the previous volume of the Abstract Owing to the rounding of figures, the sum of separate items could differ from the total shown.


Section 1: UK banking sector balance sheet

The aggregate balance sheet of the UK banking sector divides between UK-owned banks and UK subsidiaries or branches of overseas banks. These tables also show instrument and residency breakdowns in sterling, euros and other currencies. In this section: Banks in the UK

The number of banks operating in the UK (332) has remained at a fairly constant level since the consolidation or retrenchment of overseas banks into home markets in 2004 and 2005. Twenty years ago the UK banking sector was made up of 548 banks.

BBA members

Members manage 90% of UK banking assets.

UK banks’ assets The assets of all banks in the UK (more than half of which are managed by overseas-owned banks) fell by almost 4% in the year to £7.6 trillion. The banking sector last saw a contraction (a 3% fall) in 1991.

Deposit base

47% of the sector’s whole deposit base reflect deposits from all sources in sterling (the largest single currency).

UK inter-bank market Sterling inter-bank lending expanded by £290 billion in 2009 with UK-owned bank counterparties accounting for just over half of this (£153 billion).

UK lending

Lending by the banking sector in all currencies to UK entities (banks and all other residents) stands at £3.3 trillion.

Currency assets Lending in euros reflects around 25% of total worldwide lending by the UK banking sector; other foreign currency 29%.

British Bankers' Association - Abstract of Banking Statistics

£ billionsEnd-December 2004 2005 2006 2007 (o) 2008 2009

LiabilitiesSterling DepositsUK monetary financial institutions 433.3 578.6 817.4 381.6 377.8 597.1Other UK residents 941.8 1,066.4 1,219.1 1,362.6 1,585.9 1,736.3Non-residents 276.5 327.4 383.8 596.1 533.1 475.7Total 1,651.6 1,972.4 2,420.3 2,340.3 2,496.8 2,809.2

Euro DepositsUK monetary financial institutions 201.9 203.3 235.5 227.7 225.0 212.1Other UK residents 90.0 98.5 116.8 155.6 185.6 162.2Non-residents 614.7 685.4 742.1 977.8 1,198.1 1,013.6Total 906.7 987.2 1,094.4 1,361.1 1,608.7 1,387.9

Other Foreign Currency DepositsUK monetary financial institutions 194.2 215.6 209.1 205.0 255.0 174.2Other UK residents 90.3 120.3 131.1 162.0 215.5 182.7Non-residents 950.0 1,176.2 1,229.6 1,542.9 1,822.8 1,411.9Total 1,234.6 1,512.1 1,569.8 1,909.9 2,293.2 1,768.8

CDs & short-term paper 438.6 507.8 586.0 730.6 896.1 942.1Other liabilities 479.7 542.8 591.3 621.7 623.1 708.0

Total Liabilities 4,711.2 5,522.2 6,261.9 6,963.5 7,917.9 7,616.0

AssetsSterling Market LoansUK monetary financial institutions 474.1 617.7 850.3 390.2 310.0 599.9Non-residents 102.3 128.3 166.6 268.2 241.3 191.5Total 576.4 746.0 1,016.9 658.4 551.3 791.4

Sterling AdvancesUK residents 1,227.1 1,332.7 1,459.0 1,676.1 1,802.4 1,848.1Non-residents 58.9 85.5 114.6 149.7 127.5 107.1Total 1,286.0 1,418.2 1,573.6 1,825.8 1,929.9 1,955.2

Euro Market Loans & AdvancesUK monetary financial institutions 203.1 205.2 230.5 229.0 246.9 231.3Other UK residents 112.9 116.1 134.2 213.3 282.5 202.6Non-residents 569.1 667.2 707.5 1,009.5 1,246.6 1,041.1Total 885.1 988.5 1,072.2 1,451.8 1,775.9 1,475.0

Other Foreign Currency Market Loans & AdvancesUK monetary financial institutions 207.7 232.4 214.1 213.6 244.9 174.5Other UK residents 149.3 181.6 196.8 239.1 267.8 235.9Non-residents 776.6 958.6 992.6 1,233.9 1,560.8 1,315.1Total 1,133.6 1,372.7 1,403.5 1,686.6 2,073.5 1,725.5

Bills 41.1 41.8 41.8 45.1 103.1 80.0Total Investments 606.1 722.0 871.9 986.9 1,114.8 1,151.6Other assets 183.0 232.9 281.9 309.0 369.3 437.4

Total Assets 4,711.2 5,522.2 6,261.9 6,963.5 7,917.9 7,616.0

Notes

(a)

(b)

(o)

Source: Bank of England

Offices in Great Britain & Northern Ireland of institutions authorised under the Banking Act 1987 & UK branches of 'European Authorised Institutions'.The breakdown shown here may not equal the sum of UK banks plus non-resident banks, due to the treatment of agency funds.A reporting change in 2007 resulted in a significant netting-out of intra-group positions, previously reported as inter-bank business.

Table 1.01 - All Banks in the UK: Balance Sheet (a)(b)


£ billionsEnd-December 2004 2005 2006 2007 (m) 2008 2009

LiabilitiesSterling DepositsUK monetary financial institutions 310.2 409.3 585.7 184.9 240.1 334.2Other UK residents 717.8 808.1 920.0 1,011.2 1,180.5 1,351.2Non-residents 118.3 137.3 157.1 208.4 208.2 171.7Total 1,146.3 1,354.8 1,662.8 1,404.6 1,628.8 1,857.1

Euro DepositsUK monetary financial institutions 35.6 37.3 42.8 37.2 35.2 77.3Other UK residents 40.4 41.0 40.9 58.6 85.4 72.8Non-residents 136.5 147.5 172.8 234.1 321.3 288.6Total 212.4 225.8 256.5 329.9 441.9 438.6

Other Foreign Currency DepositsUK monetary financial institutions 31.0 36.8 37.5 26.3 50.5 56.5Other UK residents 42.8 52.8 65.6 77.1 104.0 80.7Non-residents 202.8 267.3 289.5 419.7 491.1 431.4Total 276.5 356.9 392.6 523.2 645.5 568.6



AssetsSterling Market LoansUK monetary financial institutions 334.6 437.4 618.5 186.1 172.3 325.3Non-residents 14.4 16.3 29.7 19.1 17.8 20.1Total 349.0 453.7 648.3 205.2 190.1 345.3

Sterling AdvancesUK residents 951.9 1,024.9 1,096.0 1,259.9 1,337.7 1,390.5Non-residents 24.0 33.1 45.7 62.6 57.5 51.4Total 976.0 1,058.0 1,141.7 1,322.5 1,395.3 1,441.9

Euro Market Loans & AdvancesUK monetary financial institutions 44.5 36.7 42.0 37.7 34.5 58.2Other UK residents 38.2 42.3 55.3 80.6 103.5 75.9Non-residents 152.2 195.3 204.7 296.8 394.6 334.0Total 234.9 274.3 301.9 415.0 532.7 468.1

Other Foreign Currency Market Loans & AdvancesUK monetary financial institutions 33.3 35.7 37.1 23.0 35.0 56.0Other UK residents 71.5 66.6 80.0 106.5 123.0 97.0Non-residents 146.9 193.4 210.7 305.3 426.4 389.4Total 251.6 295.7 327.8 434.8 584.4 542.3

Bills 19.7 19.0 17.2 24.3 73.9 54.8Total Investments 262.8 320.7 398.8 441.5 619.6 687.1Other assets 84.8 108.7 113.8 116.0 149.5 226.1

Total Assets 2,178.6 2,530.1 2,949.5 2,959.3 3,545.5 3,765.6

Notes(a)

(m)

Source: Bank of England

Table 1.02 - UK Banks: Balance Sheet (a)

Offices in Great Britain & Northern Ireland of institutions authorised under the Banking Act 1987 & UK branches of 'European Authorised Institutions'.A reporting change in 2007 resulted in a significant netting-out of intra-group positions, previously reported as inter-bank business.


£ billionsEnd-December 2004 2005 2006 2007 (o) 2008 2009

LiabilitiesSterling DepositsUK banks & building societies 123.7 170.2 233.1 198.6 138.5 263.3Other UK residents 222.7 256.7 297.9 349.7 404.7 384.7Non-residents 157.9 189.9 226.0 386.8 324.1 304.0Total 504.4 616.7 756.9 935.1 867.4 952.0

Euro DepositsUK banks & building societies 167.2 166.5 193.4 191.3 190.2 135.5Other UK residents 48.9 57.0 75.6 96.6 99.8 88.8Non-residents 478.1 537.8 568.9 743.3 876.1 724.9Total 694.1 761.3 837.8 1,031.1 1,166.1 949.3

Other Foreign Currency DepositsUK banks & building societies 165.1 180.9 177.6 185.0 207.0 118.4Other UK residents 46.4 66.5 64.5 82.8 110.2 101.6Non-residents 746.5 907.6 934.9 1,118.5 1,329.7 980.2Total 958.0 1,155.0 1,177.0 1,386.3 1,647.0 1,200.2



AssetsSterling Market LoansUK banks & building societies 138.9 179.9 231.3 203.4 137.1 274.6Non-residents 87.9 112.0 136.9 249.1 223.5 171.4Total 226.8 291.9 368.1 452.5 360.6 446.0

Sterling AdvancesUK residents 274.8 307.3 363.0 416.1 464.6 457.7Non-residents 34.9 52.4 68.9 87.1 70.0 55.6Total 309.7 359.7 431.9 503.3 534.6 513.3

Euro Market Loans & AdvancesUK banks & building societies 159.3 169.1 188.4 191.3 212.0 173.7Other UK residents 74.0 73.2 78.9 132.5 178.6 126.0Non-residents 416.9 471.9 502.8 712.8 852.0 707.1Total 650.1 714.1 770.2 1,036.6 1,242.5 1,006.9

Other Foreign Currency Market Loans & AdvancesUK banks & building societies 175.1 197.0 176.7 191.1 209.8 119.0Other UK residents 77.0 114.5 116.8 131.7 144.6 138.5Non-residents 629.7 765.3 781.9 928.6 1,133.9 925.7Total 881.9 1,076.8 1,075.5 1,251.4 1,488.4 1,183.2

Bills 21.4 22.8 24.6 20.9 29.2 25.2Total Investments 343.3 401.3 473.1 545.4 495.2 464.5Other assets 98.2 124.2 168.1 192.9 219.7 211.3

Total Assets 2,531.4 2,990.9 3,311.5 4,003.0 4,370.3 3,850.4

Notes(a) Bank branches & subsidiaries in the UK of companies resident outside of the UK.(o)

SOURCE: Bank of England

Table 1.03 - Non-UK Banks: Balance Sheet (a)

A reporting change in 2007 resulted in significant netting -out of intra-group positions, previously reported as inter-bank business


Table 1.04 - Number of Banks in the UK

End-February 2005 2006 2007 2008 2009 2010

32 30 28 23 22 22

218 206 199 203 196 186

Banks authorised to take deposits in the UK 346 335 335 338 336 332

of which:

UK incorporated 171 159 160 157 157 154

Incorporated inside the European Economic Area 87 93 93 97 97 98

Incorporated outside the European Economic Area 88 83 82 84 82 80

Notes(a) For changes in the composition of the MBBG see Notes and Definitions.(b) As at end-March. For BBA membership criteria see Notes and Definitions.

SOURCE: British Bankers' Association and Financial Services Authority

MBBG Members & their Banking Sector Subsidiaries (a)

BBA Member Banks (b)


Section 1: Notes & Definitions

Tables 1.01, 1.02 and 1.03 The Bank of England publishes monthly figures covering the detail in these tables. Table 1.04 Membership of the British Bankers’ Association (BBA) is open to any institution authorised by the UK’s Financial Services Authority under the Financial Services and Markets Act 2000 with permission to carry on one or more of the following regulated activities:

a) accepting deposits b) dealing in investments as principal c) dealing in investments as agent d) managing investments e) arranging deals in investments

UK branches and subsidiaries of banks incorporated in the member states of the European Economic Area are authorised by their home state authority, and so qualify for membership. Professional associates (e.g. law firms) and other institutions (representative offices of overseas banks) are also eligible to become members.


Section 2: Main high street banks - UK banking groups

The business of the UK offices of the main high street banking groups account for some two-thirds of all UK residents’ sterling bank deposits and lending. In this section: Balance sheets

In 2009, the banks’ aggregate balance sheet rose by 11% to £4.1 trillion.

Retail deposits

Sterling deposits from the UK public and private sectors, of £1.5 trillion, comprise 41% from individuals, 41% from private non-bank financial corporations, 13% from private non-financial corporations and 2% from other sources.

Individuals’ deposits

Total deposits rose by 3½% including a £6.8 billion inflow (+7%) into cash ISAs, which stand at £98 billion.

Sterling lending Outstandings rose by 3½% in 2009 to £1,476 billion.

Mortgage lending Rates & possessions

As was the case in 2008, a slowing economy, falls in property prices and tighter credit conditions all impacted on the housing market. New mortgage lending in 2009 was 37% lower than in 2008 and the number of loans approved fell to just under 1 million. More than two-thirds of the 8.7 million mortgages operate on variable interest rates. In 2009 only 2 in 1000 homes were possessed, although the ratio notably deteriorated.

Consumer credit After allowing for securitisations and write-offs, net lending fell by £11.6 billion in 2009, reflecting reduced demand and higher repayments for credit cards.

Credit facilities Write-offs

In 2009 88% of available sterling credit was drawn on at the year-end; foreign currency credit facilities were only 78% drawn down. Loans written-off rose by £6 billion in 2009, reflecting deteriorating trading conditions in the UK economy despite the recession coming to an end.


£ billionsEnd-December 2004 2005 2006 2007 2008 2009

Liabilities

Sterling DepositsUK banks & building societies 322.3 419.7 603.6 200.4 249.7 510.8UK private sector 741.3 833.4 943.5 1,034.0 1,256.2 1,406.0UK public sector 11.5 12.0 13.7 16.7 36.1 47.0Non-residents 120.2 138.8 158.2 210.2 209.3 177.9CDs & short-term paper 103.1 103.0 99.3 104.6 159.4 131.4Total 1,298.4 1,506.9 1,818.4 1,565.9 1,910.8 2,273.1

of which: Sight 622.1 719.1 790.2 759.6 800.2 881.1of which : Time (inc CD's) 620.7 711.2 935.7 680.3 859.2 1,131.8of which : Repo liabilities 55.7 76.6 92.5 126.1 251.3 260.2

Euro DepositsUK banks & building societies 37.0 38.7 44.5 37.2 36.9 93.9Other UK residents 39.8 39.9 39.8 59.0 83.8 71.5Non-residents 134.9 146.0 174.0 235.9 317.8 285.7CDs & short-term paper 53.9 64.6 86.0 115.5 164.2 174.9Total 265.5 289.3 344.3 447.7 602.7 626.0

of which: Repo liabilities 68.5 69.2 70.7 142.5 141.8 133.0

Other Foreign Currency DepositsUK banks & building societies 31.7 37.8 37.2 25.3 51.3 70.3Other UK residents 44.3 50.6 64.2 79.2 103.4 82.1Non-residents 209.4 275.6 303.3 423.2 477.3 424.9CDs & short-term paper 88.1 116.4 128.1 139.9 125.6 147.6Total 373.6 480.4 532.9 667.6 757.6 724.9

of which : Repo liabilities 69.3 101.4 101.8 150.2 154.2 177.6of which : Total Deposits 1,937.5 2,276.5 2,695.6 2,681.3 3,271.1 3,624.0

Other liabilities 305.8 320.6 336.0 350.9 416.9 453.9


Table 2.01 - MBBG Aggregate Balance Sheet (a)



Table 2.01 - MBBG Aggregate Balance Sheet (a)

Assets

SterlingCash, CRDs & other balances with BoE 8.9 10.2 21.3 21.0 39.0 112.8Market loans

UK banks & building societies 304.1 407.6 590.2 160.9 140.5 490.1UK banks & building societies CDs etc 38.2 37.2 41.3 36.1 35.4 8.4Non-residents 14.2 15.7 30.1 19.3 19.1 21.7

Total 356.6 460.4 661.6 216.3 195.0 520.2of which : Repo claims 9.0 14.6 23.8 32.2 22.8 107.6

Investments 126.4 130.4 170.2 162.9 337.3 418.7Advances

UK private sector 994.3 1,069.1 1,144.4 1,303.1 1,420.6 1,469.3UK public sector 6.1 6.6 8.4 9.2 5.6 7.3Non-residents 22.5 31.6 44.0 60.6 56.0 49.7

Total 1,022.8 1,107.4 1,196.8 1,372.8 1,482.2 1,526.3of which : Repo claims 36.1 51.4 46.5 90.2 107.9 111.0

Other Sterling Assets 46.9 51.4 56.7 105.1 61.1 76.1Total 1,561.6 1,759.7 2,106.6 1,878.2 2,114.6 2,654.1

EuroMarket loans




UK private sector 38.1 27.9 59.2 83.7 107.1 76.7UK public sector 0.0 0.0 0.0 0.0 0.0 2.8Non-residents 89.8 120.9 123.1 191.1 187.0 154.0


Other Euro Assets 15.5 18.0 18.2 25.4 31.9 37.8

Total 319.3 359.1 427.4 576.9 735.9 687.0

Other Foreign CurrenciesMarket loans




UK private sector 74.4 67.3 83.0 107.5 126.7 107.0UK public sector 0.0 0.1 0.1 0.0 0.0 0.0Non-residents 106.4 157.6 164.4 224.1 250.9 228.8


Other Foreign Currency Assets 31.3 43.7 30.3 36.2 33.1 40.7Total 333.3 420.7 467.2 592.1 804.5 699.0

Total Assets 2,243.3 2,597.1 3,031.5 3,032.1 3,688.0 4,077.9

Notes(a) Figures are compiled on an aggregate basis and thus show intra-group deposits and loans gross.

SOURCE: British Bankers' Association


£ billions

End-December 2004 2005 2006 2007 2008 2009

Sterling DepositsPublic sectorCentral government 2.2 2.9 3.2 5.8 23.7 32.2

of which: repo liabilities 0.1 0.1 - 3.1 3.2 6.4Public corporations 1.3 1.4 2.5 1.9 1.5 1.8Local authorities 8.0 7.6 7.7 9.1 10.9 13.0Total 11.5 12.0 13.4 16.7 36.1 47.0

Private financial corporations 123.7 168.6 218.3 260.6 469.0 590.7of which: repo liabilities 23.2 34.9 32.0 37.9 97.6 123.7

Private non-financial corporations 137.2 151.3 169.6 185.0 177.1 185.6of which: repo liabilities - - - - - -

Individuals & individual trusts 449.6 481.6 521.0 551.1 574.8 594.711.7 12.0 12.4 14.6 29.7 59.5

270.8 294.9 314.5 351.8 331.7 313.3148.1 154.6 173.1 184.8 213.7 222.1

of which: cash ISAs 56.4 65.0 72.6 79.3 91.3 98.1Other 29.9 31.0 33.6 36.2 34.8 33.8

Total 751.9 844.5 956.0 1,049.7 1,291.9 1,451.7

Euro DepositsPublic sectorCentral government 0.1 0.1 0.1 0.1 0.3 1.1Public corporations - - - - 0.1 1.0Local authorities 0.0 0.0 0.0 0.0 0.1 0.1Total 0.1 0.1 0.1 0.2 0.4 2.1


Private non-financial corporations 6.6 7.6 7.8 7.6 11.7 10.2Individuals & individual trusts 0.5 0.5 0.6 0.8 1.0 0.9Other 0.3 0.3 0.4 0.3 0.5 0.7

Total 39.8 39.9 39.8 59.0 83.9 72.4

Other Foreign Currency DepositsPublic sectorCentral government 0.1 0.1 0.1 0.2 0.2 0.1Public corporations 0.1 0.1 0.0 0.0 0.0 0.0Local authorities - 0.0 0.0 0.0 0.0 0.2Total 0.1 0.2 0.1 0.2 0.2 0.3


Private non-financial corporations 8.9 9.9 10.9 13.3 14.2 13.0of which: repo liabilities 0.0 0.0 - - 0.4 0.2

Individuals & individual trusts 1.0 1.1 1.3 1.7 1.9 1.9Other 0.2 0.3 0.3 0.3 1.1 0.4

Total 26.3 50.6 64.2 79.2 103.4 82.1

Total Deposits 818.0 934.9 1,060.0 1,187.8 1,479.2 1,606.2

Notes(a) Excluding deposits from Monetary Financial Institutions.(b) Figures are as reported by a reporting panel representing over 95% of MBBG personal deposits.


Table 2.02 - MBBG Deposits From UK Residents: Analysis By Sector (a)

of which: individuals' non-interest-bearing a/c's (b)

of which: individuals' interest-bearing sight a/c's (b)

of which: individuals' interest-bearing time a/c's (b)



Agriculture, Hunting & Forestry 3.3 3.1 3.5 4.2 4.2 4.0Fishing 0.1 0.1 0.1 0.1 0.1 0.1Mining & Quarrying 1.2 2.0 1.8 2.0 1.8 1.5Manufacturing

Food, beverages & tobacco 2.0 1.7 2.2 1.8 1.5 1.8Textiles & leather 0.8 0.7 0.8 0.8 0.7 0.8Pulp, paper, publishing & printing 2.6 2.7 2.6 3.5 2.5 2.8Chemicals, rubber & plastics 2.2 2.0 2.1 2.1 2.1 2.4Other non-metallic mineral products 2.6 2.9 3.2 3.4 3.2 3.3Machinery & transport equipment 3.3 3.7 4.3 4.8 4.0 4.2Electrical, medical & optical equipment 2.8 2.6 2.6 2.8 2.9 3.1Other manufacturing 2.3 2.4 3.5 2.9 2.7 2.5

Total 18.5 18.8 21.3 22.2 19.6 20.8Electricity, Gas & Water Supply

Electricity, gas & hot water supply 2.6 2.3 1.9 2.5 2.7 2.5Cold water purification & supply 1.2 0.8 1.7 1.1 1.7 1.5

Total 3.8 3.1 3.6 3.6 4.4 4.0Construction 11.4 12.6 14.7 15.8 14.9 14.8Wholesale & Retail Trade

Sale & repair of motor vehicles etc. 2.7 2.6 2.8 3.1 3.0 3.1Wholesale trade 8.2 8.3 8.2 9.2 8.7 9.4Retail trade & repair 9.7 9.3 9.7 10.7 9.7 10.9

Total 20.6 20.3 20.7 23.0 21.4 23.4Hotels & Restaurants 3.4 4.2 4.1 4.3 3.6 3.9Transport, Storage & Communication 9.5 8.7 9.9 10.4 9.9 9.9Real Estate, Renting & Other Business

Real estate 20.2 23.7 27.0 29.7 27.2 29.9Renting of machinery, equipment & goods 0.8 1.1 1.2 1.2 1.4 1.3Computer & related activities 4.8 5.0 5.5 6.4 6.8 7.0Other business activities 40.0 47.2 55.5 59.4 57.6 55.4

Total 65.9 77.0 89.3 96.6 92.9 93.7Public Administration & Defence 9.6 9.7 10.5 13.8 32.0 44.7Education 4.9 5.4 5.7 6.6 7.4 8.4Health & Social Work 7.2 8.3 9.1 10.3 9.8 11.1Recreational, Personal & Community Services

Personal & community services 10.8 10.8 11.5 12.5 12.3 12.5Recreation, culture & sport 6.5 7.1 8.4 10.7 10.6 11.6

Total 17.3 17.9 20.0 23.2 22.9 24.1Financial Intermediation

Financial leasing companies 1.6 2.4 2.4 2.0 2.2 3.1Non-bank credit grantors 4.5 4.0 6.5 6.5 5.8 4.4Credit unions 0.0 0.1 0.1 0.0 0.0 0.1Factoring corporations 0.4 0.4 0.5 0.6 0.7 0.7Mortgage & housing credit corporations 7.7 8.7 12.8 11.8 58.4 86.7Investment & unit trusts etc 6.3 8.4 8.1 10.1 12.1 16.4Money market mutual funds 0.1 0.1 0.1 0.1 0.1 0.0Bank holding companies 4.4 6.2 10.4 23.3 41.0 45.1Securities dealers etc 10.6 11.5 13.4 22.0 27.5 31.7Other financial 25.5 45.4 82.7 95.0 176.3 243.6

Total 61.1 87.2 136.9 171.6 324.2 431.8Insurance Companies & Pension Funds 27.0 31.5 31.2 34.1 32.1 32.2Financial Auxiliary Activities

Placed by fund managers 15.3 17.0 21.0 18.5 23.4 19.0Other 22.5 36.0 31.9 38.3 92.1 109.9

Total 37.9 53.0 52.9 56.8 115.5 128.9Individuals & Individual Trusts 449.6 481.6 521.0 551.1 574.8 594.7Total 751.9 844.5 956.3 1,049.7 1,291.6 1,452.0

Notes(a)


The industry groups are based on the Office for National Statistics' "Standard Industrial Classification, 1992" with the addition of the 'Individuals' category. The data include all forms of sterling deposits for which an industrial analysis is available - see Notes and Definitions.

Table 2.03 - MBBG Sterling Deposits From UK Residents : Industrial Analysis (a)


£ billions

End-December 2004 2005 2006 2007 2008 2009

Sterling AdvancesPublic sector

Central government 2.8 3.0 4.2 4.2 0.8 2.2Public corporations 0.3 0.3 0.3 0.4 0.3 0.3Local authorities 3.0 3.3 4.0 4.5 4.5 4.8

Total 6.1 6.6 8.4 9.2 5.6 7.3Private financial corporations 171.3 190.4 216.7 333.9 482.4 417.0

of which : repo claims 25.1 34.7 24.5 54.7 87.4 91.3Private non-financial corporations 187.4 224.3 247.6 279.9 302.5 294.8

of which : Overdrafts 30.7 30.3 32.1 35.3 30.4 26.1599.6 628.1 650.6 657.9 598.9 719.4

of which : Overdrafts 8.8 9.9 9.9 9.7 10.1 9.8Other 36.0 26.3 29.5 31.6 37.3 37.9Total 1,000.3 1,075.7 1,152.8 1,312.5 1,426.6 1,476.4

Euro AdvancesPublic sector 0.0 0.0 0.0 0.0 0.0 0.0Private financial corporations 31.2 35.0 48.1 71.8 89.2 64.4


of which : Overdrafts 1.5 1.5 2.0 1.5 1.7 1.7Individuals & individual trusts 0.1 0.2 0.3 0.5 0.7 0.3

of which : Overdrafts 0.0 0.0 0.0 0.1 0.1 0.1Other 0.1 0.1 0.1 0.1 0.2 0.2Total 38.1 43.6 59.2 83.7 107.1 76.7

Other Foreign Currency AdvancesPublic sector 0.0 0.1 0.1 0.0 0.0 0.0Private financial corporations 65.4 54.5 71.4 94.2 104.3 92.2


of which : Overdrafts 1.4 2.2 1.7 1.4 2.6 1.3Individuals & individual trusts 0.2 0.2 0.2 0.2 0.3 0.3

of which : Overdrafts 0.0 0.1 0.0 0.1 0.1 0.0Other 0.0 0.0 0.1 0.1 0.1 0.1Total 74.5 67.5 83.0 107.6 126.7 107.1

Total Advances 1,112.9 1,186.8 1,295.0 1,503.8 1,660.4 1,660.2

Notes(a)(b) Figures were affected by group restructuring and/or securitisations - for details see Notes and Definitions.


Individuals & individual trusts (b)

Table 2.05 - MBBG Advances To UK Residents: Analysis By Sector (a)

Excluding advances to or from Monetary Financial Institutions and lending under the DTI special scheme for shipbuilding.



Agriculture, Hunting & Forestry 7.2 8.1 8.0 8.0 8.3 8.5

Fishing 0.3 0.3 0.3 0.3 0.3 0.3

Mining & Quarrying 0.8 0.9 1.1 1.2 1.4 1.2

ManufacturingFood, beverages & tobacco 3.9 5.2 5.2 4.7 4.9 4.2Textiles & leather 0.9 0.8 0.7 0.7 0.7 0.6Pulp, paper, publishing & printing 2.9 3.3 3.4 3.2 3.1 2.7Chemicals, rubber & plastics 2.0 2.0 1.9 2.0 2.2 1.9Other non-metallic mineral products 2.6 2.4 2.7 2.9 2.7 2.7Machinery & transport equipment 2.2 2.2 2.4 2.2 2.7 2.2Electrical, medical & optical equipment 1.4 1.4 1.3 1.3 1.4 1.3Other manufacturing 2.6 2.6 2.8 2.7 2.2 2.0

Total 18.4 19.9 20.5 19.6 19.9 17.6

Electricity, Gas & Water SupplyElectricity, gas & hot water supply 1.1 1.4 1.9 2.0 2.9 2.0Cold water purification & supply 0.8 0.4 1.8 1.0 1.6 1.2

Total 2.0 1.8 3.7 2.9 4.5 3.2

Construction 13.6 14.9 15.5 19.5 22.1 18.1

Wholesale & Retail TradeSale & repair of motor vehicles etc. 5.2 4.9 5.3 5.0 5.2 7.0Wholesale trade 6.8 7.6 8.0 8.8 9.4 8.3Retail trade & repair 10.0 12.5 12.7 14.7 15.0 14.3

Total 22.0 25.0 25.9 28.5 29.6 29.6

Hotels & Restaurants 17.9 17.9 18.5 20.3 22.6 23.2

Transport, Storage & Communication 10.6 10.7 11.2 9.6 10.5 10.3

Real Estate, Renting & Other BusinessReal estate 85.0 98.9 112.1 129.5 147.6 150.6Renting of machinery, equipment & goods 4.2 4.6 4.7 6.4 6.4 5.1Computer & related activities 1.7 2.2 2.3 2.0 2.1 2.3Other business activities 18.0 21.0 25.2 29.5 29.6 27.0

Total 109.0 126.7 144.4 167.4 185.7 184.9

Public Administration & Defence 5.7 6.6 8.3 8.8 5.2 7.0

Education 3.9 4.6 5.4 6.2 7.2 7.8

Health & Social Work 8.3 10.1 11.7 14.2 15.2 15.8

Recreational, Personal & Community ServicesPersonal & community services 3.8 3.8 4.0 5.0 4.4 4.4Recreation, culture & sport 5.4 5.7 6.5 8.6 8.2 7.9

Total 9.2 9.5 10.5 13.6 12.6 12.3

Financial IntermediationFinancial leasing companies 24.9 25.4 26.8 27.1 28.4 22.6Non-bank credit grantors 11.1 12.5 14.2 14.2 15.9 16.5Credit unions 0.0 0.0 0.0 0.0 0.0 0.0Factoring corporations 2.9 3.4 4.1 5.0 5.4 5.6Mortgage & housing credit corporations 42.5 47.5 61.9 76.4 123.6 48.6Investment & unit trusts etc 3.3 3.2 3.2 3.0 2.8 1.7Money market mutual funds 0.0 0.0 0.0 0.0 0.0 0.0Bank holding companies 9.0 9.5 11.5 31.3 37.4 30.2Securities dealers etc 10.0 8.5 6.5 14.9 14.8 9.8Other financial 44.7 40.7 50.3 109.5 161.6 189.0

Total 148.5 150.9 178.6 281.4 389.9 324.2

Table 2.06 - MBBG Sterling Lending To UK Residents : Industrial Analysis (a)



Table 2.06 - MBBG Sterling Lending To UK Residents : Industrial Analysis (a)

Insurance Companies & Pension Funds 6.8 7.4 10.2 13.4 15.2 11.4

Financial Auxiliary ActivitiesFund management 7.1 11.0 15.1 10.6 8.2 6.1Other 9.4 21.4 13.3 28.8 69.6 75.8

Total 16.5 32.4 28.4 39.4 77.7 82.0

Individuals & Individual TrustsBridging finance 0.4 0.3 0.2 0.2 0.2 0.1

496.4 520.5 542.2 549.3 496.4 626.4103.1 107.4 108.2 108.4 102.3 92.934.0 33.4 31.2 31.7 27.7 25.5

Total 599.9 628.1 650.6 657.9 598.9 719.4

Total 1,000.6 1,075.8 1,152.8 1,312.3 1,426.8 1,476.6

Notes(a)

(b) Figures were affected by group restructuring and/or securitisations - for details see Notes and Definitions.


The industry groups are based on the Office for National Statistics' "Standard Industrial Classification, 1992" with the addition of the 'Individuals' category. The data include all forms of sterling lending for which an industrial analysis is available - see Notes and Definitions.

Lending secured on dwellings (b)

Other lending to individuals (b)

of which: credit card credit (b)


End-December 2004 2005 2006 2007 2008 2009

Amounts Outstanding (£ millions)Bridging finance 366 277 214 204 172 120Loans secured on dwellings (a) 496,382 520,458 542,153 549,290 496,447 626,431Total 496,748 520,734 542,367 549,493 496,619 626,551

Gross Loans Made During The Year (£ millions) (b) 188,336 185,253 216,198 221,284 169,426 107,132

Value of Loans Approved During The Year (£ millions) (c) 189,113 198,406 225,991 224,385 154,601 106,551of which: for house purchase 92,988 96,885 115,909 105,759 47,948 60,707of which: for re-mortgaging 78,004 85,568 94,253 103,077 96,591 39,176of which: other secured lending 18,122 15,954 15,829 15,548 10,063 6,668

Number of Loans Approved During The Year (c) 2,428,696 2,152,619 2,181,723 1,982,029 1,355,416 986,740of which: for house purchase 832,161 751,500 831,515 687,272 330,395 443,395of which: for re-mortgaging 822,390 777,188 770,045 768,959 672,680 299,938of which: other secured lending 774,145 623,931 580,163 525,798 352,341 243,409

Average Value of Loans Approved During The Year (£) (c) 77,900 92,200 103,600 113,200 114,062 107,983of which: for house purchase 111,700 128,900 139,400 153,900 145,123 136,915of which: for re-mortgaging 94,800 110,100 122,400 134,000 143,591 130,613of which: other secured lending 23,400 25,600 27,300 29,600 28,560 27,394

Number of Mortgages Outstanding (thousands)

Repayment Mortgages n/a 6,095 6,367 6,128 6,158 5,435

Non-repayment Mortgages n/a 3,221 3,538 3,596 3,606 3,202of which: endowment backed mortgages n/a 1,406 1,424 1,321 1,296 987of which: mortgages backed by PEPs/ISAs n/a 249 354 352 328 515of which: mortgages backed by pensions n/a 43 56 62 74 75of which: other interest-only mortgages n/a 1,500 1,729 1,664 1,907 1,626Total 9,919 9,316 9,905 9,724 9,764 8,672

of which: at fixed rates n/a 2,515 2,859 3,413 3,450 2,518of which: other n/a 6,801 7,045 6,310 6,314 6,154

Number of Properties Possessed During The Year 7,271 7,678 10,007 11,897 18,318 21,173

Ratio of Properties Possessed to Mortgages Outstanding (%) 0.073 0.062 0.066 0.122 0.188 0.244

Notes(a) Some figures have been affected by securitisations - for details see Notes and Definitions.(b)

(c) Data are net of cancellations.


Includes topping-up loans and home improvement loans, but excludes bridging finance. These figures are comparable with the gross new lending figures published by the Building Societies Association.

Table 2.08 - MBBG Sterling Mortgage Lending

British Bankers Association - Abstract of Banking Statistics


Sterling

Agriculture & fishing 9.7 10.4 10.4 10.6 11.3 11.477% 80% 79% 77% 75% 77%

Manufacturing 33.9 34.1 35.2 33.4 30.5 28.355% 58% 58% 59% 67% 62%

Cold water supply 2.9 3.1 6.5 3.2 3.3 3.129% 13% 28% 30% 47% 39%

Construction 21.8 24.6 24.4 28.2 30.5 26.763% 60% 63% 69% 74% 68%

Wholesale & retail trade 36.3 39.4 41.3 42.9 45.1 42.961% 64% 63% 67% 70% 69%

Hotels & restaurants 23.1 22.8 22.6 24.2 26.8 26.778% 79% 82% 84% 85% 87%

Transport, storage & communication 16.1 15.4 15.7 14.7 15.9 15.266% 69% 71% 65% 65% 68%

Real estate 109.8 126.5 142.9 158.7 181.0 176.377% 78% 78% 82% 82% 85%

Financial intermediation 167.3 168.5 197.6 300.0 404.4 339.889% 90% 90% 94% 96% 95%

Insurance companies & pension funds 10.2 10.7 13.8 17.5 15.9 14.267% 69% 74% 77% 86% 80%

Unclassified industrial categories 93.1 118.3 125.3 151.2 225.6 186.475% 79% 80% 82% 90% 87%

Individuals & individual trusts 671.0 702.5 733.2 750.4 664.1 800.389% 89% 89% 88% 90% 90%

Total 1,195.0 1,276.3 1,368.9 1,535.0 1,654.5 1,671.184% 84% 84% 85% 89% 88%

All Foreign Currencies

Agriculture & fishing 0.1 0.1 0.2 0.2 0.4 0.292% 77% 95% 96% 81% 88%

Manufacturing 10.1 15.4 14.1 19.4 23.7 17.952% 53% 47% 38% 49% 40%

Cold water supply 0.4 0.5 0.8 0.4 0.3 0.311% 6% 23% 0% 9% 10%

Construction 1.2 1.9 1.4 2.1 1.4 1.418% 16% 14% 22% 29% 16%

Wholesale & retail trade 4.2 5.7 6.2 7.2 9.5 7.156% 56% 53% 53% 44% 45%

Hotels & restaurants 1.3 1.6 1.4 1.3 2.2 1.257% 49% 29% 36% 29% 37%

Transport, storage & communication 4.2 5.5 5.3 6.1 11.6 6.645% 42% 47% 49% 38% 57%

Real estate 1.7 2.3 3.5 3.9 6.9 5.943% 37% 32% 35% 47% 48%

Financial intermediation 89.0 88.9 116.5 138.8 168.1 132.492% 85% 86% 86% 85% 86%

Insurance companies & pension funds 1.2 1.3 1.7 1.9 1.8 1.626% 40% 22% 30% 34% 30%

Unclassified industrial categories 25.2 27.2 36.6 66.3 83.4 60.970% 64% 68% 77% 65% 83%

Individuals & individual trusts 0.3 0.4 0.6 0.9 1.4 0.785% 88% 83% 87% 67% 83%

Total 139.0 150.7 188.4 248.5 310.8 236.281% 74% 76% 77% 74% 78%

Notes(a)


Total facilities outstanding include all loan, overdraft and acceptance facilities whether or not they have been drawn, excluding market loans and lending under special schemes for exports and shipbuilding (see notes on Table 2.11). The percentage utilisation is the ratio of the amount drawn (i.e. advances, acceptances and claims under repos) to the total facility outstanding. The industry groups shown are based on the Office for National Statistics' Standard Industrial Classification, 1992.

Table 2.09 - MBBG Lending: Total Facilities Outstanding & Percentage Utilisation (a)


£ millionsYear to end-December 2004 2005 2006 2007 2008 2009

Sterling LoansUK public sector - - - - - -

UK banks - - - - - -

Building societies - - - - - -

Private financial corporations 51 84 20 5 64 114

Private non-financial corporations 1,113 1,047 1,028 1,037 1,828 5,973

Individuals & individual trusts 2,905 3,961 5,285 5,266 5,416 7,393

Other 123 166 216 199 196 307

Total 4,192 5,258 6,548 6,507 7,504 13,787

Foreign Currency LoansTotal (a) 16 23 54 52 9 129

Total Write-offs and Other Revaluations 4,208 5,281 6,602 6,559 7,513 13,916

Notes

(a) Foreign currency write-offs relate predominantly to loans to private non-financial corporations.


Table 2.10 - MBBG: Analysis of Write-offs and other Revaluations


£ millionsEnd-February 2005 2006 2007 2008 2009 2010

South East 1,458 1,484 1,344 1,309 1,307 1,374

South West 925 1,072 1,035 1,043 1,097 1,123

East Anglia 618 726 685 736 778 786

East Midlands 460 515 510 636 636 698

West Midlands 645 733 718 828 826 939

Yorkshire & Humberside 469 550 518 509 538 575

North West 575 589 562 488 466 425

Northern 293 353 323 432 416 438

Wales 678 762 800 848 833 882

Scotland 1,161 1,174 1,143 1,230 1,102 904

Total 7,281 7,958 7,639 8,058 7,999 8,145

Notes(a)

(b)


This breakdown covers over 95% of all sterling lending by the Major British Banking Groups for agriculture, hunting, forestry & fishing.

These figures relate to lending by branches located within each statistical region and do not represent lending to that region.

Table 2.11 - Advances To Agriculture, Hunting, Forestry & Fishing (a)

Region (b)



The BBA has published statistics for the main high street banking groups (originally titled the Major British Banking Groups - MBBG) since 1991 and before then, data related to the Committee of London and Scottish Bankers. In September 1997, with a significant break in the series following the implementation of the Banking Statistics Review, the opportunity was taken to expand the MBBG constituency to include the Alliance & Leicester Group, Halifax plc and Woolwich plc whilst the Standard Chartered Group was no longer covered. The following is a list of the banks that have been included in the groups of the high street banks over the range of the data series: Santander UK Group:

Santander UK (including retail deposits of Bradford & Bingley from 2008) Abbey National Treasury Services plc CA Premier Banking (up to and including 2005) Cater Allen Alliance & Leicester plc (from 2008) Alliance & Leicester Commercial Bank plc (from 2003 up to and including 2006)

Alliance & Leicester Group:

Alliance & Leicester plc (up to and including 2007) Alliance & Leicester Commercial Bank plc (from 2003 up to and including 2006)

Barclays Group:

Barclays Bank PLC Barclays Bank Trust Company Ltd Barclays Private Bank Ltd (up to and including 2006)

Bradford & Bingley plc HBOS Banking Group:

Halifax plc (up to and including 2006) Bank of Scotland (up to and including 2008) HBOS Treasury Services plc (up to and including 2006) Capital Bank plc (up to and including 2006)

Lloyds Banking Group:

Halifax plc (up to and including 2006) Bank of Scotland (from 2009) HBOS Treasury Services plc (up to and including 2006) Capital Bank plc (up to and including 2006) Lloyds TSB Bank Plc (from 2009) AMC Bank Ltd (from 2009) Cheltenham & Gloucester plc (up to and including 2006) Lloyds TSB Private Banking Ltd (from 2009) Lloyds TSB Scotland plc (from 2009) Scottish Widows Bank plc (from 2009)

HSBC Bank Group:

HSBC Bank plc HSBC Trust Company (UK) Ltd

Lloyds TSB Group:

Lloyds TSB Bank Plc (up to and including 2008) AMC Bank Ltd (up to and including 2008) Cheltenham & Gloucester plc (up to and including 2006) Lloyds TSB Private Banking Ltd (up to and including 2008) Lloyds TSB Scotland plc (up to and including 2008) Scottish Widows Bank plc (up to and including 2008)


Northern Rock Group: Northern Rock plc The Royal Bank of Scotland Group:

The Royal Bank of Scotland plc Adam and Company plc Coutts & Co Direct Line Financial Services (up to and including 2006) Lombard Bank Ltd (up to and including 2005) Lombard & Ulster Ltd (up to and including 2004) National Westminster Bank PLC Tesco Personal Finance Ltd (up to and including 2008) Ulster Bank Ltd Ulster Bank Ireland Ltd

Tables showing banking statistics for MBBG groups have been compiled on an aggregate basis and thus show intra-group deposits and loans gross; in this respect, they therefore differ from the consolidated figures published by the banks in their annual accounts (the latter also cover world-wide business as distinct from business of their UK offices only). Over the period covered by the tables the activities of a number of subsidiaries have been absorbed or fully consolidated with their parent institution with a consequential reduction in the aggregate intra-bank figures; on the other hand, restructuring of other groups has sometimes had the effect of inflating intra-bank business. In order to understand the underlying behaviour that is reflected in movements in financial statistics, banks are required by the Bank of England to report certain aspects of their business according to groups of transactors with similar characteristics. Two systems of classification are used in UK official statistics: i) Economic Sector, which groups entities which are homogenous with respect to their economic and

financial behaviour. These groups are UK banks and building societies; UK public sector; Other UK residents; and Non-residents; and

ii) Industrial Category, which groups economic units according to their main type of industrial or service activity, in line with harmonised European definitions.

‘Other UK residents’ (also referred to as the UK private sector) is further subdivided into ‘private financial corporations’ (including financial unlimited liability partnerships), ‘private non-financial corporations’ (including non-financial unlimited liability partnerships), ‘individuals’ (including individual trusts) and ‘other’ (comprising unincorporated businesses other than unlimited liability partnerships, and non-profit making bodies serving households). In line with ESA95, residents and institutions in the Channel Islands and the Isle of Man are now classified as non-residents. The privatisation of public companies (eg electricity companies) has meant that in statistical returns, lending to, and deposits from, those companies have been reclassified from the public sector to the private sector from the date of the privatisation. Tables 2.01 and 2.06 These data are published monthly in press releases. They are also available in the ‘Statistics’ area of the BBA’s website at www.bba.org.uk. Table 2.06

This table includes all forms of sterling lending, except UK investments and UK bills (for which no industrial analysis is available) i.e. advances, acceptances, claims under sale and repurchase agreements, and holdings of commercial paper. ‘Other manufacturing’ includes lending under the DTI shipbuilding scheme; ‘securities dealers etc’ includes secured lending to SEMBs and GEMMs. Securitisations and de-securitisations etc. have affected the figures as follows: 2003 some £21,800mn of ‘lending secured on dwellings’ and some £1,860mn of ‘credit card credit’ were

securitised. Some £1,090mn of individuals lending was de-securitised all of which was ‘lending secured on dwellings’. Net purchases of other loans increased individual lending by some £980mn, of which £760mn was ‘credit card credit’.


2004 net £23,900mn of ‘lending secured on dwellings’ and net £595mn of ‘credit card credit were securitised’.

2005 net £31,155mn of ‘lending secured on dwelling’ and net £2,263mn of ‘credit card credit’ was securitised, in addition other categories were affected by securitisations of loans totalling £608mn.

2006 net £48,781mn of ‘lending secured by dwellings’ and net £482mn of ‘credit card credit’ was securitised. 2007 net £56,953mn of ‘lending secured by dwellings’ and net £469mn of ‘credit card credit’ was securitised. 2008 net £103,275mn of ‘lending secured by dwellings’ and net £3,833mn of ‘credit card credit’ was

securitised. 2009 net £7,712mn of ‘lending secured by dwellings’ and net £1,460mn of ‘credit card credit’ was securitised.


Section 3: Main high street banks - worldwide banking groups

The tables in this section contain individual group data taken from annual reports and accounts and therefore relate to consolidated worldwide group operations. In that respect, they are more comprehensive than the data in Section 2, which relate just to the UK banking operations. In this section: Group assets

Aggregate worldwide group assets contracted by 24% in 2009.

Capital As the level of risk-weighted assets reduced, the aggregate ratio of capital to risk weighted assets rose to around 14%.

Income & profits Interest income and expense were sharply lower as a result of interest rates remaining at historical lows, but increased non-interest income and lower operating expenses meant a return to profitability in 2009.

Impairment charges Provisions and impairments for reducing loan quality rose in 2009, by £6½ billion, related to lending of £2.6 trillion to other banks and to customers.

Operating costs Group staff

Staff costs accounted for 0.6% of total assets. The average number of people employed in the UK is just under 390,000


£ billionsFinancial year ending 2004 (h) 2005 2006 2007 2008 2009

Abbey National 194.6 207.0 191.8 199.6 231.7 ..of which: Equity .. .. .. .. .. ..

Alliance & Leicester 50.1 59.0 68.6 79.0 75.2 ..of which: Equity .. .. .. .. .. ..

715.6 924.4 996.8 1,227.4 2,053.0 1,379.1of which: Equity .. .. .. .. .. 58.7

Bradford & Bingley 38.7 40.8 45.4 52.0 55.9 49.4of which: Equity - - - - 1.2 1.4

HBOS 479.7 540.9 591.0 667.0 689.9 ..of which: Equity .. .. .. .. .. ..

HSBC Bank 292.5 386.4 440.8 622.3 924.2 751.9of which: Equity .. .. .. .. 20.7 28.4

Lloyds Banking Group .. .. .. .. .. 1,027.3of which: Equity .. .. .. .. .. 44.1

Lloyds TSB 292.9 309.8 343.6 353.3 436.0 ..of which: Equity .. .. .. .. .. ..

Northern Rock 65.7 82.7 101.0 109.3 104.3 87.4of which: Equity .. .. .. .. 0.6 1.1

Santander UK .. .. .. .. .. 285.3of which: Equity .. .. .. .. .. 7.2

696.5 776.8 871.4 1,840.8 2,401.7 1,696.5of which: Equity .. .. .. .. 80.5 94.6

Notes(a)

(h)

(i) Includes ABSA group from 2007.(j) Includes ABN AMRO from 2007.

SOURCE: Individual Banks' Annual Accounts

Table 3.01 - Total Liabilities & Shareholders' Equity/ Assets (a)

Following the introduction in December 1992 of Financial Reporting Standard 2 (FRS2), banks were required to show the liabilities/assets of their long term assurance funds in their accounts prior to 2004. Two figures are therefore shown for banks with assurance business; the upper excludes long term assurance funds, the lower includes long term assurance funds.

International Financial Reporting Standards (IFRS) were adopted for end-2005 accounts. For comparative purposes, 2004 accounts were re-stated on an IFRS basis as at 1st January 2005, but prior to 2004, accounts are shown on a UK GAAP basis.

Barclays (i)

The Royal Bank of Scotland (j)


£ millionsFinancial year ending (b) 2004 (k) 2005 2006 2007 2008 2009

Abbey NationalRetail Banking 88.0 315.0 651.0 805.0 928.0 ..Wholesale Banking .. .. .. .. .. ..Private Banking 37.0 59.0 44.0 59.0 74.0 ..Business to Business n/a n/a n/a n/a n/a ..Business to Consumer n/a n/a n/a n/a n/a ..Group Infrastructure -373.0 -361.0 -466.0 -236.0 -234.0 ..Investment & Protection 57.0 73.0 .. .. .. ..Abbey Financial Markets 207.0 276.0 .. .. .. ..Global Banking & Markets .. .. 138.0 147.0 219.0 ..General Insurance -82.0 166.0 -245.0 .. .. ..Corporate Banking - 24.0 61.0 89.0 107.0 ..Total -66.0 552.0 183.0 864.0 1,094.0 ..

Alliance & LeicesterRetail Banking 436.0 438.5 445.0 579.0 48.0 ..Wholesale Banking 126.0 .. .. .. .. ..Group 30.8 -22.4 -21.7 .. .. ..Commercial Banking n/a 132.0 .. .. .. ..Commercial Bank .. .. 116.0 182.0 -79.0 ..Treasury .. .. 46.0 .. .. ..Treasury & Group n/a .. .. -362.0 -1,257.0 ..Other n/a -1.0 -16.0 .. .. ..Total 592.8 547.1 569.3 399.0 -1,288.0 ..

BarclaysUK Retail Banking 963.0 2,200.0 1,181.0 1,275.0 1,369.0 612.0Barclays Commercial Bank .. .. 1,365.0 1,357.0 1,266.0 749.0UK Business Banking 1,302.0 .. .. .. .. ..Barclays Private Clients & International 351.0 792.0 .. .. .. ..International Retail & Commercial Banking .. .. 1,216.0 893.0 .. ..Barclaycard 843.0 640.0 458.0 603.0 789.0 761.0Barclays Capital 1,020.0 1,431.0 2,216.0 2,335.0 1,302.0 2,464.0Barclays Global Investors 336.0 540.0 714.0 734.0 -346.0 22.0Barclays Wealth .. .. 245.0 307.0 671.0 145.0Other -235.0 -323.0 -259.0 -428.0 .. ..GRCB Western Europe .. .. .. .. 250.0 130.0GRCB Emerging Markets .. .. .. .. 141.0 -254.0GRCB Absa .. .. .. .. 552.0 506.0Head Office Functions and Other Operations .. .. .. .. -900.0 -576.0Total 4,580.0 5,280.0 7,136.0 7,076.0 5,094.0 4,559.0

Bradford & BingleyLending & Savings 311.4 250.2 273.9 .. .. ..Distribution .. 70.2 74.7 .. .. ..Reserves & Treasury 36.9 39.3 37.6 .. .. ..Group Services -240.0 -96.2 -139.5 .. .. ..Joint Ventures 0.0 .. .. .. .. ..Other -8.3 .. .. 126.0 134.3 -196.0Total 100.0 263.5 246.7 126.0 134.3 -196.0

Table 3.03 - Pre-Tax Profits: Segmental Analysis (a)




HBOSRetail 2,040.0 1,939.0 2,269.0 2,026.0 1,367.0 ..Corporate 1,282.0 1,420.0 1,735.0 2,359.0 -6,793.0 ..Treasury & Asset Management 275.0 263.0 350.0 259.0 -3,627.0 ..Insurance & Investment 806.0 785.0 690.0 644.0 739.0 ..International 412.0 624.0 903.0 757.0 154.0 ..Other -206.0 -223.0 -241.0 -571.0 -2,665.0 ..Total 4,609.0 4,808.0 5,706.0 5,474.0 -10,825.0 ..

HSBC BankUK Retail Banking .. .. .. .. 2,139.0 988.0UK Personal Financial Services 671.0 835.0 869.0 740.0 .. ..UK Commercial Banking 676.0 814.0 943.0 1,004.0 .. ..UK Corporate, Investment Banking & Markets 508.0 382.0 482.0 468.0 .. ..UK Other .. .. 45.0 137.0 .. ..International Banking 317.0 592.0 305.0 397.0 .. ..Continental Europe Retail Banking .. .. .. .. 236.0 197.0Global Banking and Markets .. .. .. .. 122.0 2,511.0France 368.0 460.0 488.0 526.0 .. ..Private Banking 354.0 516.0 555.0 643.0 726.0 728.0Other .. .. .. .. 1,143.0 -410.0HSBC Trinkaus & Burkhardt 59.0 132.0 109.0 148.0 .. ..Total 2,953.0 3,731.0 3,796.0 4,063.0 4,366.0 4,014.0

Lloyds Banking GroupRetail .. .. .. .. .. 1,382.0Wholesale .. .. .. .. .. -4,703.0Wealth and International .. .. .. .. .. -2,356.0Insurance .. .. .. .. .. 975.0Group Operations and Central Items .. .. .. .. .. -1,598.0Group Pre Tax Total .. .. .. .. .. -6,300.0

Lloyds TSBUK Retail Banking & Mortgages 1,639.0 1,320.0 1,549.0 1,720.0 1,793.0 ..Insurance and Investments 778.0 1,145.0 973.0 748.0 911.0 ..Wholesale & International Banking 1,272.0 1,518.0 1,640.0 1,300.0 274.0 ..Other -212.0 -163.0 86.0 232.0 -2,171.0 ..Total 3,477.0 3,820.0 4,248.0 4,000.0 807.0 ..

Northern RockTotal 441.5 494.2 626.7 -167.6 -1,355.9 -257.5

Santander UKRetail Banking .. .. .. .. .. 1,810.0Corporate Banking .. .. .. .. .. 245.0Global Banking & Markets .. .. .. .. .. 276.0Private Banking .. .. .. .. .. 94.0Group Infrastructure .. .. .. .. .. -513.0

.. .. .. .. .. -222.0Total .. .. .. .. .. 1,690.0Other (l)




The Royal Bank of ScotlandUK Retail .. .. .. .. 723.0 229.0UK Corporate Banking .. .. 1,762.0 .. 1,781.0 1,125.0Wealth Management 231.0 272.0 318.0 .. 348.0 420.0Global Banking & Markets .. .. 3,779.0 3,653.0 -1,796.0 5,709.0Global Transaction Services .. .. .. 1,315.0 1,002.0 973.0Ulster Bank 260.0 323.0 421.0 .. 218.0 -368.0US Retail & Commercial 528.0 -113.0RBS Insurance 681.0 728.0 749.0 905.0 584.0 58.0Central Items -739.0 -1,524.0 -1,447.0 -552.0 1,025.0 292.0Non-Core .. .. .. .. -11,351.0 -14,557.0RFS Holdings Minority Interest .. .. .. .. 41.0 -304.0Amortisation of Purchased Intangible Assets .. .. .. .. -443.0 -272.0Write-down of Goodwill .. .. .. .. -32,581.0 -363.0Integration and Restructuring Costs .. .. .. .. -1,357.0 -1,286.0Gain on Redemption of Own Debt .. .. .. .. .. 3,790.0Strategic Disposals .. .. .. .. 442.0 132.0Gains on Pensions Curtailment .. .. .. .. .. 2,148.0Bonus Tax .. .. .. .. .. -208.0Retail Banking 2,680.0 2,264.0 2,250.0 .. .. ..UK Retail & Commercial Banking .. .. .. 6,225.0 .. ..Other Regional Markets .. .. .. 2,339.0 .. ..Corporate Markets 3,665.0 4,613.0 .. .. .. ..Citizens Bank 1,071.0 1,575.0 1,582.0 .. .. ..Other -565.0 -315.0 -228.0 -280.0 .. ..Total 7,284.0 7,936.0 9,186.0 9,832.0 -40,836.0 -2,595.0

Notes(a)(b)(g)(h)(j)

(k)

(l) Other covers Hedging and other variances, depreciation of operating lease assets and reorganisation and other costs.

No segmental analysis is available for Northern Rock.For changes to year-end presentations, see Table 3.01, note (b).

Excluding minority interests and before write-down of leases.Central services and administration.International Financial Reporting Standards (IFRS) were adopted for end-2005 accounts. For comparative purposes, 2004 accounts were re-stated on a pro-forma IFRS basis, but prior to 2004, accounts are shown on a UK-GAAP basis.

Excluding exceptional items.



£ billionsFinancial year ending (a) 2004 (b) 2005 2006 2007 2008 2009

LiabilitiesDeposits from banks 11.1 5.6 6.7 7.9 3.3 ..Customer accounts 71.1 65.9 66.5 69.7 99.2 ..Debt securities in issue 20.4 21.3 29.0 35.7 41.2 ..

AssetsLoans and advances to banks 5.3 0.4 2.2 3.4 24.3 ..Loans and advances to customers 94.4 95.5 103.1 112.1 129.0 ..



Barclays

LiabilitiesDeposits from banks 74.7 77.5 79.6 90.5 114.9 76.4Customer accounts 194.5 238.7 256.8 295.0 335.5 322.5Debt securities in issue 76.2 103.3 111.1 120.2 153.4 135.9

AssetsLoans and advances to banks 25.7 31.1 30.9 40.1 47.7 41.1Loans and advances to customers 207.3 268.9 282.3 345.4 461.8 420.2

Bradford & Bingley



HBOS



HSBC Bank



Table 3.04 - Individual Group Balances

Abbey National (c)

Alliance & Leicester (c)


£ billionsFinancial year ending (a) 2004 (b) 2005 2006 2007 2008 2009

Table 3.04 - Individual Group Balances

Lloyds Banking Group

LiabilitiesDeposits from banks .. .. .. .. .. 82.5Customer accounts .. .. .. .. .. 406.7Debt securities in issue .. .. .. .. .. 233.5

AssetsLoans and advances to banks .. .. .. .. .. 35.4Loans and advances to customers .. .. .. .. .. 627.0

Lloyds TSB



Northern Rock



Santander UK

LiabilitiesDeposits from banks .. .. .. .. .. 5.8Customer accounts .. .. .. .. .. 143.9Debt securities in issue .. .. .. .. .. 47.8

AssetsLoans and advances to banks .. .. .. .. .. 9.2Loans and advances to customers .. .. .. .. .. 186.8

The Royal Bank of Scotland



Notes(a)(b)

(c) After 2008 Abbey National and Alliance & Leicester are included in Santander UK.


For changes to year-end presentations, see Table 3.01, note (b).International Financial Reporting Standards (IFRS) were adopted for end-2005 accounts. For comparative purposes, 2004 accounts were re-stated on an IFRS basis as at 1st January 2005, but prior to 2004, accounts are shown on a UK GAAP basis.


£ billions2004 (b) 2005 2006 2007 (c) 2008 2009

5.8 5.6 5.0 5.0 5.4 ..5.0 5.3 4.7 4.3 4.5 ..4.1 4.0 1.8 1.4 1.0 ..6.7 7.0 7.9 7.8 8.9 ..

56.2 56.0 62.9 68.6 63.4 ..Tier 1 capital ratio 10.4% 10.0% 8.0% 7.3% 8.5% ..Total capital ratio 12.0% 12.5% 12.6% 11.4% 14.0% ..

2.0 2.2 2.5 2.5 2.0 ..0.8 0.9 0.8 0.7 1.5 ..0.0 0.0 0.0 0.2 0.1 ..2.8 3.0 3.3 2.9 3.3 ..

24.4 29.1 32.2 24.1 23.8 ..Tier 1 capital ratio 8.3% 7.6% 7.9% 9.4% 7.9% ..Total capital ratio 11.5% 10.5% 10.2% 11.9% 13.7% ..

16.7 18.9 23.0 26.7 37.1 49.710.1 13.4 14.0 13.9 22.4 14.61.5 1.7 2.3 0.8 1.0 0.9

25.2 30.5 34.7 39.8 58.5 63.5218.6 269.1 297.8 353.9 433.3 382.7

Tier 1 capital ratio 7.6% 7.0% 7.7% 7.6% 8.6% 13.0%Total capital ratio 11.5% 11.3% 11.7% 11.2% 13.6% 16.6%

1.4 1.5 1.5 1.4 1.8 1.71.1 1.1 1.3 1.2 1.3 1.50.1 0.1 0.1 0.1 0.1 0.02.5 2.6 2.7 2.5 3.0 3.2

18.8 19.1 20.4 16.7 20.2 19.8Tier 1 capital ratio 7.5% 7.8% 7.6% 8.6% 8.9% 8.7%Total capital ratio 13.2% 13.4% 13.2% 15.1% 14.9% 16.1%

18.6 20.7 22.4 23.8 32.6 ..15.4 16.3 16.4 15.3 19.1 ..5.0 5.2 5.7 5.2 5.0 ..

29.0 31.7 33.2 33.9 46.7 ..234.9 255.1 276.0 309.2 328.0 ..

Tier 1 capital ratio 7.9% 8.1% 8.1% 7.7% 9.9% ..Total capital ratio 12.3% 12.4% 12.0% 11.0% 14.2% ..

11.6 12.6 14.4 16.1 17.5 22.76.1 8.1 8.3 8.3 11.4 11.31.3 1.0 1.3 1.9 1.9 2.1

16.4 19.7 21.4 22.5 27.1 31.8157.0 182.6 190.9 212.4 257.9 203.3


Table 3.05 - Capital Resources & Risk Weighted Assets

Financial year ending (a)

Abbey NationalTier 1 CapitalTier 2/3 Capital Supervisory DeductionsCapital ResourcesRisk Weighted Assets

Alliance & LeicesterTier 1 CapitalTier 2 Capital Supervisory DeductionsCapital ResourcesRisk Weighted Assets

BarclaysTier 1 CapitalTier 2/3 Capital Supervisory DeductionsCapital ResourcesRisk Weighted Assets

Bradford & BingleyTier 1 CapitalTier 2 Capital Supervisory DeductionsCapital ResourcesRisk Weighted Assets

HBOSTier 1 CapitalTier 2 Capital Supervisory DeductionsCapital ResourcesRisk Weighted Assets

HSBCTier 1 CapitalTier 2 Capital Supervisory DeductionsCapital ResourcesRisk Weighted Assets


£ billions2004 (b) 2005 2006 2007 (c) 2008 2009

Table 3.05 - Capital Resources & Risk Weighted Assets

Financial year ending (a)

.. .. .. .. .. 47.5

.. .. .. .. .. 25.1

.. .. .. .. .. 11.6

.. .. .. .. .. 61.1

.. .. .. .. .. 493.3Tier 1 capital ratio .. .. .. .. .. 9.6%Total capital ratio .. .. .. .. .. 12.4%

10.8 11.5 12.8 13.5 13.7 ..8.8 10.4 10.0 7.0 10.2 ..6.2 6.2 6.2 4.9 4.8 ..

13.3 15.8 16.6 15.7 19.1 ..131.8 144.9 156.0 142.6 170.5 ..

Tier 1 capital ratio 8.2% 7.9% 8.2% 9.5% 8.0% ..Total capital ratio 10.1% 10.9% 10.7% 11.0% 11.2% ..

2.0 2.0 2.6 2.2 0.8 0.51.6 1.6 1.5 1.8 2.2 2.10.4 0.4 1.1 1.1 0.0 0.03.2 3.2 3.0 3.0 3.0 2.6

23.0 26.3 30.8 20.8 27.5 26.2Tier 1 capital ratio 8.0% 7.7% 8.5% 7.7% 2.9% 1.9%Total capital ratio 13.5% 12.3% 11.6% 14.4% 10.8% 9.9%

.. .. .. .. .. 8.4

.. .. .. .. .. 5.8

.. .. .. .. .. 2.3

.. .. .. .. .. 11.9

.. .. .. .. .. 67.4Tier 1 capital ratio .. .. .. .. .. 9.5%Total capital ratio .. .. .. .. .. 17.6%

22.7 28.2 30.0 33.1 69.8 76.420.2 22.4 27.5 24.8 32.5 15.45.2 7.3 10.6 5.1 4.2 4.6

37.8 43.4 46.9 52.8 98.2 87.2323.8 371.0 400.3 486.1 695.8 668.6


Notes(a)(b)

(c)

Capital ResourcesRisk Weighted Assets

Lloyds TSBTier 1 CapitalTier 2 Capital Supervisory Deductions

Lloyds Banking GroupTier 1 CapitalTier 2 Capital Supervisory DeductionsCapital ResourcesRisk Weighted Assets

Northern RockTier 1 CapitalTier 2 Capital Supervisory DeductionsCapital ResourcesRisk Weighted Assets

The Royal Bank of Scotland

Basel II transition result in statement of capital measures for 2007 on new Basel II basis from Basel I, where possible. Comparison of 2007 with previous years may not be valid.

Tier 1 CapitalTier 2/3 Capital Supervisory DeductionsCapital Resources


Santander UKTier 1 CapitalTier 2/3 Capital Supervisory DeductionsCapital ResourcesRisk Weighted Assets

Risk Weighted Assets

For changes to year-end presentations, see Table 3.01, noteInternational Financial Reporting Standards (IFRS) were adopted for end-2005 accounts. 2004 data were as reported to the FSA and not restated with 2005 on an IFRS basis, so that prior to 2005, accounts are shown on a UK GAAP basis.


£ billions

Financial year ending (a) 2004 (h) 2005 2006 2007 2008 2009

Interest income 85.2 100.5 116.8 147.0 172.3 107.2Interest expense 50.8 62.9 76.8 104.4 117.6 56.7Net interest income 34.4 37.7 40.0 42.5 54.7 50.5Non-interest income (net) 45.7 51.7 56.9 49.9 30.1 62.9Gross income 80.1 89.4 96.9 92.4 84.8 113.4Operating expenses 50.9 54.6 56.2 49.9 92.8 64.9Net income 29.2 34.8 40.6 42.5 -7.9 48.4Impairment & other provisions (net) 5.3 7.4 8.9 10.9 33.7 40.2Profit before tax 24.0 27.4 31.7 31.7 -41.7 8.3Tax 6.6 7.9 9.2 7.2 -4.2 0.0Profit after tax 17.3 19.5 22.5 24.5 -37.5 8.3Staff costs (included above) 20.3 22.6 25.5 27.1 29.7 30.0

percentagesInterest income 3.0 3.0 3.2 2.9 2.6 2.0Interest expense 1.8 1.9 2.1 2.0 1.8 1.1Net interest income 1.2 1.1 1.1 0.8 0.8 1.0Non-interest income (net) 1.6 1.6 1.6 1.0 0.5 1.2Gross income 2.8 2.7 2.7 1.8 1.3 2.1Operating expenses 1.8 1.6 1.5 1.0 1.4 1.2Net income 1.0 1.0 1.1 0.8 -0.1 0.9Impairment & other provisions (net) 0.2 0.2 0.2 0.2 0.5 0.8Profit before tax 0.8 0.8 0.9 0.6 -0.6 0.2Tax 0.2 0.2 0.3 0.1 -0.1 0.0Profit after tax 0.6 0.6 0.6 0.5 -0.6 0.2Staff costs (included above) 0.7 0.7 0.7 0.5 0.5 0.6

Ratios as a percentage of gross income percentagesNet interest income 43.0 42.1 41.3 46.0 64.5 44.5Non-interest income (net) 57.0 57.9 58.7 54.0 35.5 55.5Operating expenses 63.5 61.1 58.0 54.0 109.4 57.3Net income 36.5 38.9 42.0 46.0 -9.4 42.7Impairment & other provisions (net) 6.6 8.2 9.2 11.8 39.7 35.4Profit before tax 29.9 30.7 32.7 34.3 -49.1 7.3Tax 8.3 8.9 9.5 7.8 -4.9 0.0Profit after tax 21.7 21.8 23.2 26.5 -44.2 7.3Staff costs (included above) 25.3 25.3 26.4 29.3 35.0 26.4

Ratios as a percentage of net income percentagesImpairment & other provisions (net) 18.0 21.2 22.0 25.5 -424.2 83.0Profit before tax 82.0 78.8 78.0 74.5 524.2 17.0Tax 22.7 22.8 22.7 16.9 52.4 0.0Profit after tax 59.3 56.0 55.4 57.6 471.9 17.1

Notes(a)(h)

(i) International Financial Reporting Standards (IFRS) were adopted for end-2005 accounts. For comparative purposes, 2004 accounts were re-stated on an IFRS basis as at 1st January 2005, but prior to 2004, accounts are shown on a UK GAAP basis.


For changes to year-end presentations, see Table 3.01, note (b).

Table 3.07 - MBBG Income Statement

International Financial Reporting Standards (IFRS) were adopted for end-2005 accounts. For comparative purposes, 2004 accounts were re-stated on a pro-forma IFRS basis, but prior to 2004, accounts are shown on a UK-GAAP basis.

Ratios as a percentage of average balance sheet assets (i)


£ millions

2004 (c) 2005 2006 2007 2008 2009

Impairment charge

Abbey National 98 221 407 344 365 ..

Alliance & Leicester 59 74 105 253 1,071 ..

Barclays 1,093 1,571 2,154 2,795 5,419 8,071

Bradford & Bingley -12 6 7 117 699 687

HBOS 1,222 1,650 1,813 2,072 12,050 ..

HSBC Bank 371 776 938 1,043 1,835 3,540

Lloyds TSB 866 1,299 1,555 1,796 3,012 ..

Lloyds Banking Group .. .. .. .. .. 16,673

Northern Rock 49 57 81 472 1,162 1,039

Santander UK .. .. .. .. .. 842

The Royal Bank of Scotland 1,485 1,707 1,878 1,968 8,072 14,950

Notes(a)

(b)(c)

For changes in year-end presentations, see Table 3.01, note (b).International Financial Reporting Standards (IFRS) were adopted for end-2005 accounts. For comparative purposes, 2004 accounts were re-stated on a pro-forma IFRS basis, but prior to 2004, accounts are shown on a UK-GAAP basis.


Table 3.08 - Impairment: Charge to Profit And Loss Account (a)

Financial year ending (b)

Impairment charge for loans and receivables, available for sale investments and other credit provisions, net of releases and recoveries.


2004 2005 2006 2007 2008 2009

25,271 22,397 19,257 14,903 14,829 n/a

8,692 8,497 8,315 8,178 6,934 n/a

60,000 59,100 62,400 61,900 59,600 55,700

6,450 3,062 3,174 2,862 2,420 917

69,243 71,985 71,850 74,087 74,676 n/a

74,224 76,277 79,127 84,929 87,492 82,296

.. .. .. .. .. 125,109

79,581 77,620 62,630 58,078 58,756 n/a

4,980 5,779 5,936 6,334 5,276 4,546

Santander UK .. .. .. .. .. 20,730

136,600 137,000 141,800 203,500 105,800 98,500

Notes(a)

(b)(d)(e)

Table 3.09 - UK Group Staff (a)

Financial year ending (b)

Abbey National

Alliance & Leicester

Barclays (d)

Bradford & Bingley

HBOS

HSBC Bank (d)

Lloyds Banking Group

Northern Rock

The Royal Bank of Scotland (e)

Figure for 2007 includes 89,800 ABN AMRO staff, following acquisition.

Lloyds TSB


Average number of persons employed, including non-clerical and part-time staff; but excluding staff working completely or mainly outside the UK. These figures include staff employed by non-financial subsidiaries.For changes in year-end presentations, see Table 3.01, note (b).Figures for the UK only are not available; figures include staff outside the UK.



The figures shown have been taken from the published annual report and accounts of each bank group, for their financial years ending 31 December. The term "subsidiaries" in this section has a different coverage from that in other sections relating to banking statistics, as figures shown in this section include all subsidiaries and associate companies, both within and outside the United Kingdom, and whether or not they are banks. These subsidiaries and associate companies have varied over time as detailed in the individual banks' annual reports. The figures shown are taken, where possible, from the latest annual reports, using five or ten year statistical summaries. In the absence of such summaries the latest published figure has been used in each case, to incorporate any re-statement of the accounts. The impact of Financial Reporting Standards, or as in 2005, the adoption of IFRS means that data series are sometimes not wholly consistent, depending on whether earlier data have been re-stated. 2005 Accounts were prepared in accordance with International Financial Reporting Standards adopted by the International Accounting Standards Board (IASB) and interpretations issued by the Financial Reporting Interpretations Committee of the IASB (FRIC) as endorsed by the European Union. Groups have, however, taken advantage of the option in IFSR1 ‘First-time Adoption of International Financial Reporting Standards’ to implement IAS38 ‘Financial Instruments: Recognition and Measurement, IAS32 ‘Financial Instruments: Disclosure and Presentation’ and IFSR4 ‘Insurance contracts’ from 1st January 2005 without restating 2004 income statements and balance sheets. However, to allow for meaningful comparison with the 2005 results, pro-forma results prepared for 2004, have been shown. Tables 3.05 The Capital Adequacy risk asset ratios (total net capital resources as a proportion of total weighted risk assets) are based on the Basel Convergence Agreement on capital standards, and subsequently the EC Solvency Ratio Directive and are as disclosed by the banking groups. Table 3.07 These data are as supplied to the OECD for inclusion in their publication "Bank Profitability", and are based on common international definitions. In this table, profit before tax is a derived figure and may differ from pre-tax profit figures as published by the banks in their annual reports.

British Bankers’ Association - Abstract of Banking Statistics

Section 4: Money & credit markets

This section considers where the private sector holds its liquid assets, together with whole market data on mortgages, consumer credit and small business support. In this section: Individuals’ deposits

Deposits in banks total £680 billion, almost three times the level in building societies and seven times the level in National Savings.

Mortgages

Possessions

Annual net lending was just £8 billion in 2009. Bank lending of £36 billion was virtually offset by a collapse in lending by building societies and other lenders who saw repayments or transfers of existing lending completely outweighing any new lending. 46,000 properties were possessed in 2009, 15% more than in the previous year and the highest annual total since 1995. This total equated to 42 properties in every 10,000 mortgages.

Consumer credit There was a net contraction in lending of almost £1 billion in 2009. Lending by all market players was subdued, with bank customers outstripping new lending with repayments.

Small businesses Lending to small businesses, by way of term loans or overdrafts, grew to more than £55 billion by the end of 2009 and there is an equivalent level of deposits. Small businesses yet again established more than half a million new banking relationships in the latest 12 month period.



MBBGUK private sector deposits 741.3 833.4 943.5 1,034.0 1,256.2 1,406.0% of Total 64.3% 64.1% 64.3% 63.2% 66.3% 69.7%of which: Individuals & individual trusts 449.6 481.6 521.1 551.1 574.8 594.7 % of Total 39.0% 37.0% 35.5% 33.7% 30.3% 29.5%

Other UK BanksUK private sector deposits 182.9 214.1 250.0 299.4 266.7 268.9% of Total 15.9% 16.5% 17.0% 18.3% 14.1% 13.3%of which: Individuals & individual trusts 66.4 71.9 79.7 90.9 95.9 85.0 % of Total 5.8% 5.5% 5.4% 5.6% 5.1% 4.2%

Total UK BanksUK private sector deposits 924.2 1,047.5 1,193.5 1,333.5 1,522.9 1,675.0% of Total 80.1% 80.6% 81.3% 81.5% 80.4% 83.0%of which: Individuals & individual trusts 516.0 553.6 600.8 642.1 670.7 679.7 % of Total 44.7% 42.6% 41.0% 39.3% 35.4% 33.7%

Building SocietiesRetail Shares and deposits 172.0 189.8 206.9 231.6 275.6 244.3% of Total 13.9% 13.8% 13.3% 13.3% 14.5% 12.1%

National Savings BankTotal administered by National Savings 67.9 72.1 78.1 83.4 94.9 98.4% of Total 5.9% 5.5% 5.3% 5.1% 5.0% 4.9%

Local Authority Temporary DebtNon-bank private sector holdings 0.9 0.8 1.1 1.3 1.0 0.9% of Total 0.1% 0.1% 0.1% 0.1% 0.1% 0.0%

Total 1,164.9 1,310.2 1,479.6 1,649.8 1,894.4 2,018.6

Source: Bank Of England, British Bankers' Association and Office for National Statistics

Table 4.03 - UK Private Sector Holdings Of Selected Sterling Assets


£ billionsNet lending in year 2004 2005 2006 2007 2008 2009

68.9 64.6 79.4 76.9 59.4 36.3

61.1 55.1 66.2 62.4 48.2 35.9

16.8 12.7 16.1 13.0 5.0 -7.6

Insurance companies & pension funds 0.0 -0.4 -0.2 0.0 0.8 0.4

14.9 14.1 14.8 17.8 -25.6 -22.4

Local authorities 0.0 0.3 0.3 0.4 1.2 1.0

Other public sector - - - - - -

Total net lending 100.7 91.2 110.5 108.2 40.7 7.8

68.4% 70.8% 71.9% 71.1% >100% >100%

71.4% 71.5% 71.4% 72.0% 74.8% 85.4%

11.5 11.6 11.7 11.9 11.7 11.0

8,200 14,500 21,000 25,900 40,000 46,000

0.071 0.125 0.179 0.219 0.343 0.419

Notes(a) Includes bridging finance. For changes in the composition of the MBBG see Notes and Definitions.(b) All banks figures include lending to housing associations.(c)

(d) The split between subsidiaries of banks/other is no longer available.(e) Includes lending securitised through special purpose vehicles, but excludes lending indirectly through subsidiaries.(f) Figures published by the Council of Mortgage Lenders. For further information please contact the CML on 020 7437 0075.

SOURCE: Bank of England, Office for National Statistics, British Bankers' Association and Council of Mortgage Lenders

Building Societies (c)

Net changes have been adjusted to remove the effects of group restructuring and/or securitisations - for details see Notes and Definitions.

Ratio of properties possessed to mortgages outstanding (%) (f)

Number of properties possessed during year to end-December (f)

Table 4.04 - Net Mortgage Lending

Banks' share of annual net lending

Banks' (e) share of amounts outstanding at end-year

Number of mortgages outstanding at end-December (millions) (f)

Other specialist mortgage lenders (c)(d)

Banks (a)(b)(c)

of which : MBBG (a)


£ billionsNet lending in year 2004 2005 2006 2007 2008 2009

20.2 14.4 8.2 6.1 4.6 -1.6

11.3 11.0 7.3 5.0 2.7 -1.7

Building Societies Class 3 Loans 0.2 0.2 0.2 0.3 0.2 0.0

Other Consumer Credit Lenders 4.9 5.0 4.6 7.2 6.1 0.9

Total net lending 25.3 19.7 13.1 13.5 10.9 -0.7

10.0 6.2 2.0 2.3 4.1 2.3

Banks' share of annual net lending 79.8% 73.4% 63.1% 44.9% 42.7% >100%

Banks' share of amounts outstanding at end-year 75.7% 74.9% 73.7% 71.5% 65.9% 63.9%

Notes(c) Net changes have been adjusted to remove the effect of securitisations - for details see Notes and Definitions.(d) For changes in the composition of the MBBG see Notes and Definitions. (e)

SOURCE: Bank of England, Office for National Statistics and British Bankers' Association

From 2005 onwards net changes allow for the effects of write offs, in line with similar figures published by the Bank of England.

Table 4.05 - Net Lending For Consumer Credit

of which: MBBG (c)(d)(e)

of which: credit cards (c)

Banks (c)


During the financial year ended March 2004 2005 2006 2007 ( i ) 2008 ( j ) 2009 ( j )

Value of Guarantees Issued (£ millions) 409 481 422 212 207 32Number of Guarantees Issued 5,966 7,130 5,957 2,702 2,619 390Average loan size (£ 000's) 69 68 71 78 79 82

Value of Guarantees Issued (£ millions) n/a n/a n/a n/a n/a 746Number of Guarantees Issued n/a n/a n/a n/a n/a 7,355Average loan size (£ 000's) n/a n/a n/a n/a n/a 101

As at end-December 2004 (h) 2005 2006 2007 2008 2009

Number of Small Business current accounts (millions) 3.2 3.3 3.4 3.6 3.7 3.8

Number of current accounts with overdraft limit (millions) 0.9 0.9 0.9 0.9 0.9 0.9

Number of current accounts overdrawn (millions) 0.7 0.7 0.7 0.7 0.7 0.7

Borrowing on Overdraft (£ billions) 8.0 8.8 8.8 8.7 8.7 8.4

Number of term loan accounts (millions) 0.6 0.6 0.6 0.6 0.6 0.5

Term lending (£ billions) 29.9 33.3 37.2 41.7 45.7 46.9

of which: less than 3 years 4.1 4.3 4.6 4.9 5.6 5.6of which: 3 - 5 years 2.1 2.0 1.9 2.2 2.4 2.9of which: 5 - 10 years 5.4 5.2 5.1 5.3 5.4 6.3of which: over 10 years 18.4 21.8 25.7 29.3 31.9 32.2of which: fixed rate 3.8 3.7 3.7 3.9 4.0 4.3of which: variable rate 26.0 29.6 33.5 37.8 41.3 42.6

Total lending (£ billions) 37.9 42.1 46.0 50.4 54.4 55.3

Number of current accounts in credit (millions) 2.6 2.6 2.7 2.9 3.0 3.0

1.3 1.3 1.4 1.6 1.8 1.9

39.1 41.3 46.4 54.4 54.2 55.6

Number of businesses using on-line facilities (millions) 1.1 1.4 1.5 1.7 1.9 2.0

Proportion of businesses using on-line facilities (%) 35.3% 41.2% 45.0% 40.0% 49.2% 51.0%

New banking relationships established 550,300 541,928 553,660

Notes(a)

(b)

(c)(e)(f)(g)(h)(i)

(j)

(k)

SOURCE: British Bankers' Association & HM Government's Small Business Service

Small Firms Loan Guarantee (SLFG) Scheme for 2009 only covers 3 months from January to March 2009.

Banks Support to Small Businesses (e)

Small Firms Loan Guarantee Scheme (b) (k)

Number of deposit accounts (millions) (f)

Deposits (£ billions) (f)(g)

Enterprise Finance Guarantee (b)

The SFLG was suspended in 2008, following the Government's introduction of the Enterprise Finance Guarantee scheme, under which £1.3bn will support bank lending, of 3 months to 10 year maturity, to UK businesses with a turnover of up to £25 million who are currently not easily able to access the finance they need. It will enable them to secure loans of between £1,000 and £1 million through the guarantee and is available up to 31 March 2010.

The definition for 'Guaranteed' changed in 2006. The figures are now guarantees that have been offered, accepted and drawn down rather than as previously, simply offered and accepted.

Table 4.06 - Enterprise Finance Guarantee Scheme & Bank Support For Small Business

Better identification of small business accounts during 1998 reduced numbers slightly.Credit balances in current accounts plus deposit account balances.Better identification of small business accounts reduced 2004 numbers slightly.

From 1st April 2003 the Small Firms Loan Guarantee Scheme was opened up to previously excluded sectors such as retail and catering, hairdressing, motor vehicle repair and other service sectors, contributing to the increase in usage seen in 2004.The DTI operates a scheme whereby it assists small firms with viable proposals to obtain finance. The terms and conditions have varied over time; for details see Notes and Definitions. Prior to 2006, figures reflected all loans guaranteed, thereafter only those loans guaranteed where funds have been drawn down.

Girobank, Yorkshire Bank and The Co-operative Bank included from 2000 onwards.There is no standard definition of a small business. For the definition of data collected by the BBA see Notes and Definitions.


Number of Current & Deposit

Accounts

Annual no. of Customers

new to business banking (b)

Deposit Balances

(£mn)

Term lending Outstanding

(£mn)

Overdraft lending Outstanding

(£mn)

Birmingham 24,589 2,344 240 247 34

Blackburn 196 22 2 1 1

Blackpool 1,345 109 6 17 1

Bolton 1,222 123 9 7 1

Bournemouth 402 38 3 4 0

Bradford 6,083 602 49 75 8

Cardiff 7,335 628 69 112 15

Chester 189 18 1 1 0

Cleveland 1,433 92 15 10 2

Coventry 2,834 329 21 25 3

Derby 380 21 3 2 0

Doncaster 1,025 81 9 9 2

Glasgow 2,266 99 17 4 3

Hull 786 69 11 4 1

Leeds 9,634 786 102 96 14

Leicester 5,544 677 53 64 8

Liverpool 10,973 1,055 87 84 48

Llandudno 995 89 7 16 3

London E 43,196 4,980 333 281 34

London N 30,529 2,779 245 238 24

London NW 8,592 842 67 72 8

London SE 13,308 1,268 92 56 8

London SW 12,659 1,233 96 50 7

London W 17,106 1,383 155 99 15

London WC 1,797 111 25 10 1

Manchester 16,791 1,639 163 148 26

Newcastle 192 20 2 3 0

Newport 539 40 5 7 1

Nottingham 1,186 112 10 7 1

Oldham 1,689 153 15 13 2

Paisley 274 8 2 2 1

Peterborough 1,122 58 14 8 2

Plymouth 1,558 104 14 18 2

Preston 2,602 223 34 33 4

Sheffield 3,156 304 38 12 3

Southampton 3,748 374 38 36 5

Swansea 1,662 154 22 16 2

Walsall 1,908 174 10 9 2

Wolverhampton 1,339 147 8 6 2

Total 242,184 23,288 2,092 1,904 296

Notes(a)

(b) Customers new to business banking during the period 1st July 2008 to 30th June 2009.


Table 4.07 - Bank Support For Businesses In Deprived Areas (a)

As at30th June 2009

Deprived Areas are defined as those 5% of postcode sectors equating to the 2% most deprived electoral wards in Great Britain.



Table 4.04 Group restructurings or loan securitisations can sometimes result in mortgage lending assets being transferred from banks to special purpose vehicles or subsidiaries. Mortgage lending portfolios are also bought or sold to other institutions. The effects of these transfers/purchases have been excluded from the changes shown to provide underlying increases or decreases in mortgage business. Table 4.05 Group restructurings or loan securitisations can result in consumer credit being transferred from banks to other specialist lenders (eg bank subsidiaries) and vice versa. Consumer credit portfolios are also sold to other institutions. The effects of these transfers/purchases have been excluded from the changes shown to provide underlying increases or decreases in consumer credit. Table 4.06 The SFLG was suspended in 2008, following the Government's introduction of the Enterprise Finance Guarantee scheme, under which £1.3bn will support bank lending, of 3 months to 10 years maturity, to UK businesses with a turnover of up to £25 million who are not easily able to access the finance they need. It will enable them to secure loans of between £1,000 and £1 million through the guarantee and is available up to 31 March 2010. Table 4.07 As a subset of the national data in Table 4.06, this table shows a regional breakdown of support for small business in deprived areas, defined as those 5% of postcodes representing the 2% most deprived electoral wards in the country. A full postcode breakdown is available in the ‘Statistics’ area of the BBA’s website at www.bba.org.uk.


Section 5: Staff, branches, ATMs & accounts

The infrastructure and operations of retail banking in the United Kingdom continue to experience rapid development as advances in technology facilitate greater customer access to accounts and cash, augmenting the services provided by traditional branch networks.

In this section: High street presence

Consolidation has led to small reductions in bank branch networks, but there still more than 5 bank branches for every building society branch in the UK.

Basic bank accounts There are some 7.8 million social banking accounts in the UK, with 7.4 million now accessible at post offices, making a recognised industry contribution to financial inclusion.

Remote banking Almost 40 million registered customers now make 5 billion on-line transactions annually. The number of customers registered for telephone banking dropped slightly to 47 million, with associated transactions dropping 6% to around 600 million annually.

Individuals’ accounts The number of individuals’ current and deposit accounts with the main high street banks rose by 3% in 2009 to 141 million.

ATM use The banks’ high street network of almost 30,000 ATM’s saw over 2.5 billion withdrawals totalling £169 billion of cash in 2009.

Physical crime Attacks on ATMs rose by 30% in 2009, to a record number of 261. Branch robbery numbers rose, for the first time in seven years, by 10%.

ISAs A record annual total of £37.5 billion was subscribed to ISAs during the 2008/09 fiscal year, half of which went into accounts with banks or their subsidiaries.

Headcount The majority of the total UK banking workforce is employed by member banks of the BBA, some 419,400 staff at end-2009. Headcounts fell in 2009, with the greatest reductions seen in retail banks.


2004 2005 2006 2007 2008 2009

18,900 16,000 14,500 14,100 15,000 15,4008,100 8,200 7,800 8,100 7,300 6,000

60,600 61,300 59,800 58,300 54,700 50,4006,400 3,100 3,200 3,100 n/a n/a

47,400 46,700 47,700 47,500 53,800 54,40047,300 49,400 49,700 49,500 49,200 45,90059,000 56,000 50,400 50,600 59,000 55,5005,700 6,200 6,300 6,600 4,600 5,000

76,600 78,800 77,700 77,400 68,000 62,100

330,000 325,700 317,100 315,200 311,600 294,700

120,550 121,000 119,200 121,000 122,480 114,1004,500 4,900 5,000 5,600 5,600 4,900

209,450 204,700 197,900 194,200 189,120 180,60076,300 75,700 73,000 72,600 70,400 68,8002,200 2,000 1,300 .. .. ..3,600 7,200 7,200 8,850 9,800 9,6004,200 4,300 4,300 4,300 4,300 12,0004,500 n/a n/a n/a n/a n/a1,900 1,900 1,887 1,789 1,752 1,816

429,600 432,900 424,400 428,600 427,600 419,400

.. 334,000 334,100 326,100 326,600 316,300

.. 25,500 23,500 28,900 30,700 26,900

.. 38,400 37,400 41,100 37,100 34,700

.. 5,200 4,900 8,400 8,700 7,300

.. 29,800 24,500 24,100 24,500 34,200

1,300 1,400 1,350 1,350 1,294 1,3001,505 1,529 1,556 1,619 1,426 1,3542,053 2,293 2,192 1,923 1,800 1,6852,049 2,150 2,411 2,589 2,660 2,343

6,907 7,372 7,509 7,481 7,180 6,682

45,900 47,800 50,000 51,578 47,374 ..

Notes(a)(b)(g)(l) Category split not available prior to 2005.(m) From 2005 Clydesdale Bank includes staff previously under Yorkshire Bank.(n) Figures include ABN Amro.(o) From 2009 Co-operative Bank figures include Britannia.

SOURCE: British Bankers' Association, Financial Services Authority and Individual Banks

Figures cover employees of Lloyds TSB Bank, Lloyds TSB Scotland and Cheltenham & Gloucester.

Total

Building Societies

See Notes and Definitions for coverage.Figures include staff of certain subsidiaries indistinguishably, and are for Great Britain only.

Bank of IrelandFirst Trust BankNorthern Bank LtdUlster Bank Ltd

Wholesale/investment BanksOther domestic Banks

Northern Ireland Banks

Member banks of the British Bankers' Association (l)

Retail BanksForeign Subsidiaries/branchesGlobal/Universal Banks

of which:

Clydesdale Bank (m)

The Co-operative Bank (o)

Yorkshire BankBank of England (j)

of which: part-timeof which: Female

of which: part-timeBristol & West

The Royal Bank of Scotland (n)

Total

of which: Male

HBOSHSBC BankLloyds TSB (g)

Northern Rock

Abbey NationalAlliance & LeicesterBarclaysBradford & Bingley

Table 5.01 - Number of Staff (a)

End-December

MBBG (b)


End-December 2004 2005 2006 2007 2008 2009

MBBG724 712 712 705 713 914

Alliance & Leicester 254 254 254 254 254 2542,059 2,029 2,014 1,733 1,724 1,698

Bradford & Bingley 208 207 205 197 195 n/aHBOS 1,064 1,058 1,002 1,005 995 956HSBC Bank 1,569 1,513 1,492 1,475 1,444 1,369Lloyds TSB 1,791 1,745 1,659 1,808 1,802 1,786Lloyds TSB Scotland 185 185 185 185 185 185

205 198 197 n/a n/a n/aNorthern Rock 56 57 56 56 56 57The Royal Bank of Scotland 642 643 647 649 651 651National Westminster 1,631 1,631 1,629 1,629 1,628 1,612Total 10,388 10,232 10,052 9,696 9,647 9,482

97 n/a n/a n/a n/a n/aClydesdale Bank 217 180 154 153 152 152Yorkshire Bank 232 190 190 190 190 186

91 92 93 92 91 84

Northern Ireland BanksBank of Ireland 44 44 44 44 44 43

57 58 56 48 48 48Northern Bank Ltd 95 95 95 94 90 83Ulster Bank Ltd 91 91 91 92 92 92Total 287 288 286 278 274 266

2,074 2,148 2,105 2,016 1,916 ..15,961 14,609 14,376 14,219 13,567 11,952

Notes(a) Figures include Woolwich from 2004(b) Includes automated outlets. "Handy banks"are included from 2003.(d) Figures include the former TSB Bank Northern Ireland.(e)

(f) Crown and sub-post offices.(g) Branch operations of Bristol & West sold to Britannia Building Society in September 2005.(h) Cheltenham & Gloucester business is now included under Lloyds TSB.(i) Abbey National figures from 2009 include Bradford & Bingley branches.


Table 5.02 - UK Branch Networks

Total number of offices (including one-office societies). Figures exclude those building societies shown above prior to conversion/acquisition.

Abbey National (i)

First Trust Bank (d)

Non-converted building societies (e) (g)

Post Offices (f)

Cheltenham & Gloucester (h)

Bristol & West (g)

The Co-operative Bank (b)

Barclays (a)


End-December 2004 2005 2006 2007 2008 2009

MBBG (parents only)Abbey National 2,632 2,526 2,506 2,225 2,041 2,076Alliance & Leicester 2,557 2,525 2,344 2,207 2,275 2,064Barclays (b) 3,829 3,812 3,729 3,319 3,450 3,368HBOS 3,330 2,783 2,719 2,830 2,842 2,736HSBC Bank 2,955 2,845 3,299 3,717 3,925 3,889Lloyds TSB (c) 4,213 4,197 4,078 4,118 4,215 4,215Northern Rock 36 35 34 32 31 31The Royal Bank of Scotland 6,132 6,442 6,668 6,985 7,201 7,647Total 25,684 25,165 25,377 25,433 25,980 26,026

of which: located away from branches 8,708 8,411 8,494 8,888 8,996 8,913Bristol & West (e) 29 28 n/a n/a n/a n/aClydesdale Bank 447 458 484 489 495 484The Co-operative Bank 2,165 2,433 2,387 2,279 2,175 2,145Yorkshire Bank 471 458 440 450 456 454

Northern Ireland BanksBank of Ireland (f) 174 253 200 314 290 303First Trust Bank (g) 161 155 160 161 159 161Northern Bank Ltd 203 198 198 196 194 194Ulster Bank Ltd 217 219 228 261 266 301Total 755 825 786 932 909 959

Total number of ATMs in the UK 54,412 58,286 60,468 63,476 63,916 62,192of which:located in branches 19,351 19,112 19,392 19,171 19,636 19,769located in retail outlets 18,515 19,356 21,524 23,499 23,642 23,946located in social & leisure facilities 7,941 10,890 10,749 11,254 10,936 8,900located in post offices 2,350 2,253 2,444 2,997 3,142 3,092located in motoring & transport facilities 3,783 4,629 4,635 4,698 4,664 4,576located in other places 2,472 2,046 1,724 1,857 1,896 1,909

Notes(b) Figures include Woolwich from 2004(c) Figures include Lloyds TSB Bank Scotland.(e) Bristol & West sold and rebranded to Britannia Building Society in September 2005.(f) Bank of Ireland agreement to install ATM's in Post Offices from July 2005.(g) Figures include the former TSB Bank Northern Ireland.

SOURCE: The UK Cards Association (formerly the Association for Payment Clearing Services)

Table 5.03 - Number of Cash Dispensers & Automated Teller Machines (ATMs)


End-December 2004 2005 2006 2007 2008 2009

8,418 7,876 7,777 9,232 9,473 10,797Alliance & Leicester 2,143 2,175 2,352 2,478 2,609 2,699Barclays 22,160 22,228 21,162 22,418 24,917 22,854Woolwich 2,768 2,783 2,790 n/a n/a n/aBradford & Bingley 224 223 224 223 224 n/aHBOS 20,264 20,373 20,259 20,111 21,195 20,156

15,672 16,330 16,569 16,129 15,821 15,91421,973 21,177 20,781 21,991 23,146 23,116

Northern Rock 169 155 140 128 668 10525,999 25,518 25,922 26,244 24,116 24,908

117 n/a n/a n/a n/a n/aClydesdale Bank 1,348 1,357 1,209 1,210 1,183 1,175The Co-operative Bank 2,451 2,467 2,498 2,430 2,611 2,449Yorkshire Bank 2,185 2,154 1,910 1,903 1,893 1,817Total 125,891 124,816 123,593 124,497 127,855 125,990

Number of Cash Withdrawals During the Year (millions)174 184 190 186 186 188

Alliance & Leicester 43 47 50 55 60 63Barclays 326 329 330 352 367 344Woolwich 40 40 44 n/a n/a n/aBradford & Bingley 2 2 3 2 2 n/aHBOS 330 350 349 373 384 375

341 366 373 419 418 506424 481 471 456 464 460

Northern Rock 5 3 3 3 10 3436 464 485 514 534 536

1 n/a n/a n/a n/a n/aClydesdale Bank 37 37 38 39 36 34

8 9 5 5 6 6Yorkshire Bank 24 25 21 22 31 34Total 2,191 2,337 2,362 2,426 2,499 2,550

Value of Cash Withdrawals During the Year (£ millions)Abbey National (b) 12,175 12,369 12,879 12,739 12,791 12,794Alliance & Leicester 2,625 2,926 3,238 3,666 3,957 4,056Barclays 20,126 20,956 21,330 29,934 32,227 23,325Woolwich 2,917 2,461 2,978 n/a n/a n/aBradford & Bingley 164 177 185 169 184 n/aHBOS 22,116 22,013 23,453 24,756 27,158 25,043HSBC Bank (c) 18,910 23,182 25,004 31,764 31,620 34,010Lloyds TSB (d) 24,765 29,105 28,439 30,005 31,217 29,449Northern Rock 183 149 152 153 671 181The Royal Bank of Scotland (e) 25,443 27,561 28,705 32,148 32,799 35,680Bristol & West (g) 35 n/a n/a n/a n/a n/aClydesdale Bank 2,418 2,400 2,272 2,830 2,660 2,208The Co-operative Bank (f) 416 466 350 435 421 415Yorkshire Bank 1,803 1,765 1,467 1,647 3,856 2,309Total 134,096 145,530 150,452 170,246 179,560 169,471

Notes(a) Includes dedicated ATM cards, other multifunction debit cards and credit cards with PIN.(b) Includes cards issued by First National Bank and the former National & Provincial Building Society.(c) Includes cards issued through First Direct and HSBC Bank.(d) Figures include LloydsTSB Bank Scotland.(e) Figures for 2002 include National Westminster.(f) Excludes chip transactions(g) Operations of Bristol & West sold to Britannia Building Society in September 2005.

SOURCE: The UK Cards Association (formerly the Association for Payment Clearing Services)

Table 5.04 - Cash Dispensers/Automated Teller Machines Usage

Abbey National (b)

HSBC Bank (c)

Lloyds TSB (d)

Number of Debit & Credit Cards in Issue (thousands) (a)


Bristol & West (g)

Abbey National (b)

HSBC Bank (c)

Lloyds TSB (d)


Bristol & West (g)

The Co-operative Bank (f)

British bankers' Association - Abstract of Banking Statistics

MillionsEnd-december 2004 2005 2006 2007 2008 2009

Non-interest-bearing sight accounts 10.1 9.9 10.6 11.5 17.8 18.6of which: individuals 7.7 7.5 7.9 8.7 14.4 14.9

Interest-bearing sight accounts 95.5 98.5 102.7 107.2 106.4 107.9of which: individuals 91.8 94.8 99.1 103.4 102.9 105.0

Other interest-bearing accounts 18.8 19.0 20.1 19.4 20.2 21.3of which: individuals 18.4 18.7 19.8 19.1 20.0 20.9

Total 124.4 127.4 133.4 138.1 144.4 147.8of which: individuals 117.9 121.0 126.8 131.3 137.3 140.8

39.5 42.2 46.4 47.8 47.8 46.6

Number of transactions by telephone:account query 96.0 73.1 87.8 91.3 87.1 102.8balance information 363.9 368.8 363.4 322.9 266.3 249.3bill payment 48.1 44.4 47.5 60.5 52.4 47.5set up/amend standing order or D/D 17.9 12.0 25.8 41.1 37.1 27.9stop payment 9.4 5.4 5.4 23.7 21.3 20.9inter account transfer 42.3 40.5 43.1 61.1 54.6 49.6other 157.0 173.3 163.4 155.6 116.6 101.0

20.8 24.3 28.2 32.1 38.5 39.6

Number of transactions by computer:account query 523.1 705.2 913.3 1,005.0 880.6 927.9balance information 596.0 891.4 1,193.4 1,408.0 1,600.7 1,819.7bill payment 104.6 144.4 154.9 170.9 170.2 189.5set up/amend standing order or D/D 27.7 29.4 34.9 34.5 39.5 50.0stop payment 2.5 3.8 3.6 3.8 2.3 0.9inter account transfer 67.4 99.9 130.5 165.6 166.8 165.8other 680.9 847.2 1,160.8 1,567.2 1,659.6 1,907.2

Building SocietiesNumber of Borrowers 2.7 2.8 2.9 2.9 2.9 ..Number of Shareholders 20.7 22.1 22.4 23.0 25.0 ..Number of Depositors 0.5 0.4 0.5 0.5 .. ..

Notes(a)


Table 5.05 - Number of Accounts

The number of personal customers registered to access their accounts by telephone

The number of personal customers registered to access their accounts by computer

Figures include data for certain subsidiaries with large retail branch networks.

MBBG (a)


Thousandsend-December 2004 2005 2006 2007 2008 2009

Basic Bank Accounts

983 660 597 675 538 520

of which: accessible at Post Office counters 676 616 550 636 542 501

29 68 154 115 97 90

of which : accessible at Post Office counters 22 64 145 109 94 87

6,103 6,390 6,707 7,260 7,677 7,827of which: accessible at Post Office counters 1,815 2,367 2,868 3,483 4,172 7,448

Individual Savings Accounts £ Millionend-April 2004 2005 2006 2007 2008 2009

Number of Accounts subscribed to in year (thousands) 10,412 10,733 11,462 11,951 13,130 11,299

5,673 5,359 6,006 6,203 7,447 4,290

20,948 22,118 24,134 25,260 28,107 28,049

11,875 11,469 12,929 13,148 16,219 16,546

Additional amounts subscribed from matured TESSAs 441 100 n/a n/a n/a n/a

Number of Accounts subscribed to in year (thousands) 1,643 1,474 1,543 1,617 1,584 2,922

513 443 473 479 419 650

6,720 6,119 6,971 7,781 7,592 9,431

2,193 1,876 2,152 2,459 2,143 2,2454 1 n/a n/a n/a n/a

Number of Accounts subscribed to in year (thousands) 485 123 n/a n/a n/a n/a

Amounts subscribed 3,349 732 n/a n/a n/a n/a

Notes

(a)

(c) Number of relevant accounts upgraded since the start of Universal banking.(d) Figures relate to all accounts offered by banks in the social banking environment, reaching back to the 1980's.(e) Cash component of Maxi ISAs(f)

(g) Mini and Maxi ISA's changed in 2009 to Cash and Stocks & Shares ISA's

SOURCE: British Bankers' Association and HM Revenue & Customs

While TESSA accounts were discontinued from April 1999, TESSA-only ISAs (TOISAs) were designed specifically for savers to re-invest the capital from their maturing TESSA accounts and continue to enjoy tax-free savings. All TESSAs had matured by 2005, since when subscriptions to TOISAs have ceased.

TESSA-only ISAs(f)

Number of accounts upgraded (c) in the year

Number of accounts at year end (d)

Maxi/Sock and Shares ISA (g)

of which:accounts with Banks & Bank Subsidiaries (thousands)

Total amounts subscribed(covers stocks & shares, cash, life insurance)

of which: accounts with Banks & Bank Subsidiaries

of which:accounts with Banks & Bank Subsidiaries (thousands)

Total amounts subscribed (covers stocks & shares, cash, life insurance)

Additional amounts subscribed from matured TESSAs (e)

Net increase (a) in number of accounts in the year

Table 5.06 - Basic Bank Accounts & Individual Savings Accounts

Number opened, less number closed, of relevant accounts marketed since the start of Universal banking in April 2003, under which accounts could be accessed at Post Office counters.

of which:accounts with Banks & Bank Subsidiaries

Mini/Cash ISA (g)


2004 2005 2006 2007 2008 2009

18 9 16 21 16 2132 15 36 23 25 221 6 4 8 5 20 1 1 3 4 0

12 23 10 10 12 126 7 3 1 2 62 5 9 6 5 9

35 28 28 28 31 355 5 3 0 1 23 2 3 1 2 26 20 6 5 1 14 1 0 0 0 2

124 122 119 106 104 114

17 27 29 23 18 2842 136 85 96 183 23359 163 114 119 201 261

Notes(a)

Table 5.07 - High Street Banks (a) Physical Security

Year to-end-December

Number of Bank RobberiesGreater LondonOther South EastSouth WestEast AngliaWest MidlandsEast MidlandsYorkshire & HumbersideNorth WestNorthWalesScotlandNorthern IrelandTotal

Number of ATM AttacksATM removed from premisesATM attacked in-situTotal

Abbey, Alliance & Leicester, Bank of Scotland, Barclays, Bradford & Bingley, Co-operative Bank, Cheltenham & Gloucester, Clydesdale Bank, Halifax, HSBC, Lloyds TSB, NatWest, Northern Rock, Royal Bank of Scotland and Yorkshire Bank.




Table 5.01 For comparative purposes, these figures, where possible, relate to the headcount number of staff employed as at end-December; for the MBBG banks, therefore, the numbers may differ from those published in Annual Reports as shown on Table 3.9, which may be on a different basis. Part-time employees are included on the same basis as full-time staff (except where stated). The figures generally cover banking staff (e.g. excluding staff of securities subsidiaries) but would include support staff paid directly by the parent banks. BBA membership criteria are detailed in the notes and definitions to Table 1.04. Table 5.02 This table shows the number of outlets offering the full range of over-the-counter banking services. The figures do not include those outlets that comprise ATM facilities only, or ATM facilities in remote locations. Regional offices and sub-branches are only included if they offer the full range of services. Branches in the Channel Islands and the Isle of Man are not included. Table 5.06 Since the launch of universal banking, under which basic bank accounts can be operated at post offices, the BBA has been monitoring the take-up of accounts as part of the industry’s contribution to the financial inclusion arena. Tax-exempt investment products for individuals, within the Individual Savings Account (ISA) wrapper are offered by a wide range of financial institutions. Annual subscriptions to all accounts and those operated by banks and their subsidiaries are provided by HM Revenue & Customs.


Section 6: Plastic cards & payments

The vast number of credit and debit cards on offer, from a wide range of issuers, demonstrates their acceptance by customers, retailers and service providers alike. This section presents credit card data for all UK issuers (whether bank, building society or other financial institution affiliated to the Amex, Visa or MasterCard organisations) together with data on debit cards, their usage and fraud. In this section: Credit card borrowing

Total borrowing reduced in 2009, as repayments exceeded new spending. Average borrowing per account rose to £1,241 although 34% of credit card balances continue to incur no interest at all.

Plastic payments Plastic cards are accepted at nearly 1.2 million point-of-sale terminals installed in almost 950,000 outlets in the UK. There were 7.9 billion card transactions in the UK in 2009 with a value of over £380 billion. Of these transactions, 33% were on food and drink, 11% on motoring and 10% on entertainment.

Average transactions Slightly lower than in 2008, the average credit card transaction was £71, while debit card transactions averaged at an unchanged £46. The volume of debit card transactions continued to increase through 2009.

Fraud Plastic card losses fell by 28% in 2009 to £440 million, the lowest total for three years . Fraud losses in the UK accounted for 72% of the total.

Payments The shift away from paper payments continues, with cheque and credit volumes falling another 13%.


End-December 2004 2005 2006 2007 2008 2009

Credit Outstanding (£ millions) .. .. .. .. .. 64,473Number of Cards in issue (thousands) .. .. .. .. .. 61,991Number of Accounts (thousands) .. .. .. .. .. 51,940

of which: active .. .. .. .. .. 34,977During the year:Value of Transactions (£ millions) .. .. .. .. .. 142,595

of which: sales .. .. .. .. .. 126,009of which: cash advances .. .. .. .. .. 6,005of which: balance transfers .. .. .. .. .. 10,581

Volume of Transactions (millions) .. .. .. .. .. 2,005of which: sales .. .. .. .. .. 1,962of which: cash advances .. .. .. .. .. 37of which: balance transfers .. .. .. .. .. 5

Average Credit Outstanding per Account (£'s) .. .. .. .. .. 1,241Average Transaction Value (£'s) .. .. .. .. .. 71Percentage of balances incurring interest .. .. .. .. .. 66.0%

MasterCardCredit Outstanding (£ millions) 23,798 27,438 29,256 33,716 36,700 ..Number of Cards in issue (thousands) 27,873 29,199 30,406 37,441 40,306 ..Number of Accounts (thousands) 23,896 24,753 25,607 31,816 32,821 ..

of which: active 14,832 15,393 15,562 19,226 21,028 ..During the year:Value of Transactions (£ millions) 58,789 65,650 70,783 81,015 89,205 ..

of which: sales 46,032 51,641 56,805 67,695 75,866 ..of which: cash advances 4,002 4,473 4,552 4,624 4,572 ..of which: balance transfers 8,754 9,536 9,427 8,696 8,767 ..

Volume of Transactions (millions) 751 848 940 1,100 1,231 ..of which: sales 723 816 907 1,066 1,199 ..of which: cash advances 23 26 28 29 28 ..of which: balance transfers 5 5 5 5 5 ..

VisaCredit Outstanding (£ millions) 40,038 40,022 37,188 32,012 29,577 ..Number of Cards in issue (thousands) 43,507 41,374 37,341 30,726 27,106 ..Number of Accounts (thousands) 36,336 35,091 31,612 26,242 23,754 ..

of which: active 24,394 23,238 20,587 17,253 15,322 ..During the year:Value of Transactions (£ millions) 92,987 88,504 79,121 71,324 60,741 ..

of which: sales 73,333 71,034 65,123 60,329 51,536 ..of which: cash advances 7,122 7,623 6,381 4,785 3,526 ..of which: balance transfers 12,532 9,848 7,617 6,210 5,679 ..

Volume of Transactions (millions) 1,181 1,147 1,028 921 765 ..of which: sales 1,133 1,096 984 887 741 ..of which: cash advances 41 45 40 30 20 ..of which: balance transfers 8 6 4 4 3 ..

MasterCard and VisaAverage Credit Outstanding per Account (£'s) 1,060 1,127 1,161 1,132 1,171 ..Average Transaction Value (£'s) 79 77 76 75 75 ..Percentage of balances incurring interest 73.3% 75.4% 74.6% 73.1% 72.7% ..

Notes(b)


Table 6.01 - Amex, Mastercard And Visa Credit Card Statistics

These data cover the world-wide transactions of UK resident holders of credit cards issued in the UK by financial institutions affiliated to the Visa, Mastercard or Amex organisations. Earlier data showing the split between Mastercard and Visa are no longer shown, due to certain institutions moving existing credit card accounts from Visa or Mastercard to Amex branding.

Amex, Mastercard & Visa (b)


End-December 2004 2005 2006 2007 (d) 2008 2009

Number of Cards in Issue (thousands)

71,380 70,573 67,747 68,167 67,413 61,991of which: MasterCard 27,873 29,199 30,406 37,441 40,306 ..of which : Visa 43,507 41,374 37,341 30,726 27,106 ..

65,544 66,991 68,348 71,624 76,271 79,23736,768 42,432 43,435 45,811 49,304 58,45228,776 24,559 24,913 25,813 26,967 20,785

58,820 59,000 58,705 60,828 59,980 58,581of which: MBBG 50,399 51,050 50,670 52,803 51,513 50,504

Total 195,744 196,564 194,800 200,619 203,664 199,809

Number of UK Outlets 752,078 789,638 810,520 854,007 892,796 946,364

Number of UK Point-of-sale Terminals 920,015 974,051 1,023,215 1,050,748 1,094,964 1,179,175

of which: bank owned 571,955 595,999 631,008 633,731 651,539 709,145

of which: retailer owned 348,060 378,052 392,207 417,017 443,425 470,030

Transactions

Volume of purchases (millions) 1,932 1,995 1,968 2,020 1,994 2,005Value of purchases (£ millions) 151,775 154,154 149,904 152,339 149,873 142,595

Volume of transactions (millions) 3,690 4,084 4,512 4,939 5,384 5,859

Value of transactions (£ millions) 150,152 170,672 194,863 220,769 241,158 269,313

Notes(a)

(b)

(c)

(d)

SOURCE: British Bankers' Association, the UK Cards Association (formerly part of Association for Payment Clearing Services)

Table 6.02 - Plastic Cards

These data are supplied by UK Card Association and cover all their members. They cover purchases in the UK only and include VISA electron and Solo cards. Transaction data refer to domestic retail transactions.This covers members of the Cheque Card Scheme, and includes Barclaycards issued to customers of Barclays Bank (which are also included in the Visa figures) but excludes Eurocheque Encashment Cards issued.From 2009 these data cover the world-wide transactions of UK resident holders of credit cards issued in the UK by financial institutions affiliated to the Visa, Mastercard or Amex organisations. Earlier data showing the split between Mastercard and Visa are no longer shown, due to certain institutions moving existing credit card accounts from Visa or Mastercard to Amex branding.

Credit cards (c)

Credit Cards (affiliated to Amex, MasterCard or Visa) (c)

Debit Cards (a)

Debit cards (a)

of which (a) : Visa

Cheque cards (b): Domestic

Maestro replaced the Switch branding at end of 2007.

of which (a) : Maestro


MillionsCalendar year 2004 2005 2006 2007 2008 2009

Number of Acquired Transactions

Food and Drink 1,559 1,700 1,849 2,067 2,375 2,599

Mixed Business 565 600 631 639 542 532

Clothing 410 422 444 474 492 530

Household 409 401 408 429 436 467

Motoring 778 793 773 820 878 892

Entertainment 416 470 525 601 697 799

Hotels 56 59 61 64 64 68

Travel 191 206 224 249 271 284

Other Services 373 444 510 561 618 638

Financial (a) 92 111 119 134 143 144

Other 843 889 901 893 925 992

Total number of transactions 5,691 6,094 6,444 6,931 7,441 7,945

Value of Acquired Transactions £ billions

Food and Drink 50.1 53.4 57.5 63.9 72.1 78.3

Mixed Business 19.9 20.6 22.0 22.9 20.5 21.0

Clothing 14.2 14.5 15.2 16.3 17.2 19.0

Household 25.7 26.0 27.7 30.1 30.0 31.1

Motoring 35.3 38.2 40.9 45.4 48.5 50.1

Entertainment 14.7 16.5 18.6 20.5 22.7 24.2

Hotels 6.1 6.8 7.2 7.7 7.9 8.0

Travel 21.3 22.8 24.3 26.1 27.8 27.2

Other Services 24.4 32.3 40.1 46.4 51.9 53.3

Financial 24.9 25.6 26.5 31.8 35.9 38.8

Other 33.8 34.5 35.5 36.6 37.0 37.8

Total value of transactions 270.3 291.2 315.4 347.8 371.5 388.9

SOURCE: The UK Cards Association (formerly part of Association for Payment Clearing Services)

Table 6.03 - Plastic Card Transactions in the UK


£ millions2004 2005 2006 2007 2008 2009

Credit cards 229.0 201.6 193.3 219.7 249.1 188.2

Charge cards 30.3 32.9 30.4 38.5 43.4 29.3

Debit cards 236.5 196.0 194.9 267.8 303.4 214.6

of which: Visa Delta / Switch 218.1 181.2 184.7 256.2 292.5 207.3

of which: Electron / Solo 18.4 14.8 11.2 11.6 11.0 7.2

ATM standalone cards 3.9 4.9 4.7 5.7 12.5 7.5

5.1 4.0 3.6 3.6 1.4 0.7

Total 504.8 439.4 427.0 535.2 609.9 440.3

of which: Fraud in UK 412.3 356.6 309.9 327.6 379.7 317.0

of which: Fraud overseas 92.5 82.8 117.1 207.6 230.1 122.7

Notes(a)

(c)

SOURCE: UK Payments

Table 6.04 - Plastic Card Fraud Losses of UK Card Issuers (a)

The figures relate to cards issued in the UK only but cover losses worldwide. Losses on foreign issued cards used in the UK are not included.Losses on cheque guarantee cards include losses on multi-function cards when used to guarantee personal cheques.

Cheque guarantee cards (c)


millions2004 2005 2006 2007 2008 2009

Volume

1,557 1,450 1,346 1,222 1,094 950

Direct debits 2,590 2,722 2,858 2,963 3,077 3,149

2,013 2,412 2,504 2,581 2,579 2,490

35 37 41 44 36 32

Total Inter-Bank 6,195 6,621 6,749 6,809 6,786 6,620

Value £ billions

1,282 1,217 1,234 1,217 1,131 915

Direct debits 750 797 845 884 935 886

2,133 2,353 2,585 2,812 3,011 2,975

91,335 97,100 109,637 126,670 83,017 64,617

Total Inter-Bank 95,500 101,468 114,300 131,583 88,094 69,393

Notes(b) Domestic payments are between Members of CHAPS Euro. TARGET includes all payments in to and out of the UK

through the system which interlinks the National Central Banks of the EU. CHAPS €uro ceased in May 2008.

SOURCE: UK Payments

CHAPS sterling, euro domestic & euro TARGET(b)

Cheques & Credits

Standing orders, direct credits & Euro direct credits

CHAPS sterling, euro domestic(b) & euro TARGET(b)

Table 6.05 - Clearing Statistics : Annual Volume & Value

Standing orders, direct credits & Euro direct credits

Cheques & Credits



The figures relate to all issuers of credit and charge cards affiliated to either the Amex, MasterCard or VISA organisations. In-store or other credit card schemes are not included. The statistics cover ordinary, Gold, Premier and Affinity cards issued to individuals and companies but exclude personal loan schemes processed and operated by the credit card companies. The credit outstanding figures and the turnover figures cover transactions with retailers and cash advances world-wide. Table 6.01 Figures in this table relate to world-wide activity on cards held by UK residents. Active accounts are defined as those with a balance outstanding as at the end of December. The series showing the percentage of balances (ie the total credit outstanding) at year-end incurring interest is a weighted average based on data from all issuers. Table 6.03

Figures in this table, provided by the UK Cards Association (formerly part of the Association for Payment Clearing Services - APACS), relate to transactions made in the UK and therefore include those of non-resident cardholders.


Section 9: International banking statistics

The banking sector makes a significant contribution to the UK balance of payments and this section gives the international perspective of UK banking. Due to the complexity of compiling international banking data, there is sometimes a substantial lag associated with the data. In this section: Service exports

In 2008, banks’ exports of services rose by 31%, to more than £31 billion. This represented 62% of net exports by the whole financial services sector.

External business of banks in the UK

Lending to overseas residents fell back, by 16% in 2009, while deposits from overseas also fell, by 13%.

Financial centres

The UK remains the largest international banking centre with 21% of all overseas liabilities and 18% of all claims.

Outward investment Inward investment

UK banks’ investment in overseas branches, subsidiaries and associates increased by almost £7 billion in 2008. Profits from outward investments, however, fell by 88% to just over £1 billion as the effects of the financial crisis emerged. Overseas investment in UK branches, subsidiaries and associates, though increasing by more than £9 billion, suffered overall losses of £28 billion in 2008 as the UK banking sector bore the difficulties of wholesale market dislocation and constraints on liquidity and capital.

European banking assets Total banking assets across Europe grew 2% in 2008 to almost €44 trillion. Banks in the UK hold 19% of this total.


£ millionsDuring the year 2003 2004 2005 2006 2007 2008

Net Exports of Banks

Banks' Trade BalanceSpread earnings 4,539 4,908 5,914 6,974 9,451 11,098FISIM (b) 5,280 4,943 4,967 5,501 8,454 15,405New issues of securities 294 344 176 594 659 294Portfolio management & security transactions -66 409 925 1,092 1,419 740Commitment fees 600 666 964 1,469 1,385 1,179Credit & bill transactions 102 231 217 239 334 282Derivative transactions 2 -27 -20 -118 219 225Other 42 280 243 284 323 397

Total banks' financial service earnings 10,792 11,753 13,386 16,035 22,245 29,620Other service exports 1,358 1,395 1,543 1,628 1,430 1,449

Total 12,150 13,148 14,929 17,663 23,675 31,069

Net Exports of the Financial Sector

Banks 12,150 13,148 14,929 17,663 23,675 31,069Fund Managers 1,192 1,505 2,105 2,625 4,129 4,160Insurance 5,427 4,964 1,652 3,832 5,353 8,036Securities dealers 3,294 3,658 2,266 2,983 4,763 3,939Baltic Exchange 380 551 735 706 769 948

2,471 2,866 2,696 2,082 686 2,344Total 24,914 26,692 24,383 29,891 39,375 50,496

Notes(a)

SOURCE: International Financial Services London

Includes data on financial services, commodities' traders miscellaneous earnings and merchanting from International Trade in Services (ITIS) survey.

Table 9.01 - Net Exports Of UK Financial Services

Other financial services (a)

British Bankers' Association - Abstract of banking Statistics

£ billions2004 2005 2006 2007 2008 2009

910.1 1,023.8 1,081.8 1,466.3 1,674.4 1,344.5411.3 517.8 530.9 659.9 833.2 792.6369.5 437.3 476.7 648.4 751.0 543.6163.0 227.4 262.8 329.1 282.4 218.312.8 12.1 11.2 11.5 13.1 11.8

298.8 332.8 411.2 555.8 700.4 784.42,165.4 2,551.2 2,774.6 3,670.9 4,254.6 3,695.2

823.0 1,042.3 1,131.0 1,360.3 1,600.9 1,369.8688.2 744.3 817.9 1,089.3 1,342.7 1,181.6299.9 354.5 409.4 636.7 583.2 526.4123.6 127.9 109.0 174.3 203.2 123.226.1 29.3 30.6 39.7 48.8 37.692.4 119.2 132.7 169.5 181.6 155.2

112.1 133.6 144.0 201.1 294.3 301.32,165.4 2,551.2 2,774.6 3,670.9 4,254.6 3,695.2

965.4 1,158.0 1,268.5 1,704.0 2,046.5 1,695.0583.2 688.5 753.8 924.1 1,054.3 901.4221.5 284.3 304.1 383.8 397.3 366.594.6 123.6 139.1 202.1 234.6 200.815.3 10.5 9.8 11.5 12.9 10.517.6 31.8 36.2 39.3 79.8 56.5

1,897.5 2,296.7 2,511.6 3,264.9 3,825.4 3,230.7

699.9 929.0 995.5 1,206.8 1,490.4 1,268.4764.6 858.6 929.8 1,255.2 1,509.1 1,290.5183.0 246.8 320.6 460.6 433.7 339.1126.3 99.1 80.3 119.0 149.8 100.724.9 28.4 27.0 36.9 46.7 39.7

101.0 133.7 152.2 186.2 189.6 192.2-2.1 1.1 6.2 0.1 6.1 0.0

1,897.5 2,296.7 2,511.6 3,264.9 3,825.4 3,230.7

367.9 418.6 412.9 481.5 506.9 403.7471.0 615.4 689.1 945.0 1,211.7 1,075.0146.0 196.8 228.2 292.2 452.4 340.9291.9 332.9 371.1 496.6 431.6 367.381.6 88.2 73.9 99.5 135.6 125.9

134.3 156.2 162.5 196.9 240.8 224.140.8 38.4 54.7 67.9 82.4 71.0

363.9 450.2 519.2 685.3 764.1 622.81,897.5 2,296.7 2,511.6 3,264.9 3,825.4 3,230.7

Notes(c)


FrenchItalianOther & UnallocatedTotal

AmericanSwiss Japanese

Includes international issues of securities and net non-euro foreign currency items in suspense and balances awaiting settlement of securities transactions.

Total

Claims by Nationality of BanksGermanBritish

Japanese yenSwiss francOther currenciesUnallocated by currency

Claims by CurrencyUS dollarEuro Sterling

Developing countriesInternational Organisations Other & UnallocatedTotal

Claims on CountriesEuropean developed countriesOther developed countriesOffshore centres

Swiss francOther currenciesUnallocated by currency (c)

Total

US dollarEuro SterlingJapanese yen

International Organisations Other & UnallocatedTotal

Liabilities by Currency

European developed countriesOther developed countriesOffshore centresDeveloping countries

Table 9.02 - External Business of Banks Operating In the UK

End-December

Liabilities to Countries


End-December 2004 2005 2006 2007 2008 2009

18,102 19,884 24,448 31,418 29,067 28,095Percentage share of totalBelgium 3.1 3.2 3.1 3.1 2.5 2.3France 8.1 9.0 8.7 8.9 8.6 8.5Germany 8.5 7.4 7.0 6.3 6.3 6.1Italy 2.7 2.5 2.8 3.0 3.2 3.1Luxembourg 2.9 2.6 2.5 2.3 2.3 2.2Netherlands 3.9 3.5 3.9 4.6 4.4 4.4Switzerland 4.6 4.3 4.1 4.4 3.5 3.2United Kingdom 22.8 22.0 22.2 23.3 21.1 21.2Other European countries 10.5 11.2 11.5 11.6 12.3 12.7Canada 0.8 0.9 0.9 0.8 0.9 1.1Japan 3.2 3.6 2.8 2.3 3.2 3.5United States 12.1 12.3 12.7 11.8 12.3 12.0Offshore centres 14.2 14.6 14.8 14.1 15.4 15.0Other 2.5 2.9 3.1 3.4 3.9 4.6

19,199 21,125 26,126 33,441 31,193 30,045Percentage share of totalBelgium 3.7 3.5 3.4 3.5 3.1 2.8France 8.2 9.1 8.4 8.4 8.3 8.6Germany 11.2 10.1 10.7 10.6 10.9 10.4Italy 2.0 1.8 1.9 1.9 2.1 2.0Luxembourg 3.9 3.6 3.4 3.2 3.1 3.0Netherlands 3.8 3.5 4.0 4.0 3.8 3.5Switzerland 4.8 4.6 4.3 4.6 3.6 3.0United Kingdom 19.7 19.5 19.8 20.5 18.1 18.1Other European countries 8.1 8.5 9.2 9.5 10.4 10.7Canada 0.8 0.8 0.9 0.9 1.1 1.4Japan 7.8 8.4 7.3 7.2 8.3 8.2United States 9.2 9.1 9.1 8.9 9.1 10.3Offshore centres 15.4 15.7 15.7 14.9 15.6 15.2Other 1.4 1.7 1.8 1.9 2.6 2.9

17,066 17,999 22,822 28,780 25,345 25,677Percentage share of totalBelgium 4.8 5.0 4.9 4.9 3.8 1.7France 10.0 9.9 11.5 12.8 14.4 14.7Germany 18.8 15.5 15.5 15.4 14.2 12.9Italy 2.3 2.0 1.8 4.1 4.1 3.7Netherlands 8.6 9.2 9.1 8.5 6.9 6.2Spain 4.2 4.7 4.3 4.3 4.7 5.4Switzerland 11.2 10.7 10.8 8.9 7.9 6.4United Kingdom 12.4 13.7 13.6 13.3 14.3 14.2Other European countries 8.5 9.3 9.4 8.9 9.4 9.7Canada 2.2 2.6 2.8 2.5 2.8 3.0Japan 8.7 9.2 8.1 8.0 9.1 9.5United States 5.9 5.7 5.8 5.9 5.8 9.7Other 2.3 2.4 2.3 2.4 2.6 3.1

Notes(a) Covers all banks operating within a country regardless of their ownership nationality.(b)

SOURCE: Bank for International Settlements

Consolidates all worldwide operations of banks to the nationality of the parent bank regardless of where the operations take place.

Table 9.03 - International Banking Analysed By Centre

External Liabilities by Country of Residence ($bns) (a)

External Claims by Country of Residence ($bns) (a)

Consolidated Foreign Claims by Country of Ownership ($bns) (b)


£ millions2003 2004 2005 2006 2007 2008

Outward Transactions: By UK banks in investments in their non-resident branches, subsidiaries and associates at end year

Capital Transactions

Branches 21 -33 10 25 26 ..

Subsidiaries and Associates -1,398 12,135 4,595 5,375 7,312 6,880

Current Transactions

Profits/Losses of Branches 1,374 1,047 1,763 1,555 441 -3,635

Attributable Profits/Losses of Subsidiaries and Associates 4,059 4,450 5,732 6,878 6,552 2,569

Dividends received from non-resident entities 739 319 806 939 2,859 1,260

Interest received from non-resident entities 264 310 542 493 1,012 1,067

Inward Transactions: In UK branches, subsidiaries and associates by non-resident entities at end year

Capital Transactions

Branches 195 103 37 18 -30 ..

Subsidiaries and Associates 539 11,113 1,811 2,738 6,257 9,472

Current Transactions

Profits/Losses of Branches -351 1,112 1,906 3,341 -6,342 -25,766

Attributable Profits/Losses of Subsidiaries and Associates 2,308 1,115 2,385 1,758 2,649 -3,451

Dividends paid to non-resident entities 359 645 199 232 257 87

Interest paid to non-resident entities 576 600 791 1,347 1,538 985


Table 9.04 - UK Banks' Non-Resident Direct Investment


€ billionsFinancial Year ending 2003 2004 2005 2006 2007 2008

Austria 605.1 652.8 725.1 797.8 899.5 1,069.3

Belgium 890.9 970.3 1,123.4 1,221.7 1,402.9 1,350.0

Bulgaria .. .. .. 21.6 30.2 35.6

Cyprus .. 36.3 35.9 .. 91.1 116.0

Czech Republic .. 86.5 101.9 114.7 139.6 154.6

Denmark 312.1 339.3 404.7 627.9 737.1 843.8

Estonia .. 8.5 11.8 15.3 20.5 21.8

Finland 177.3 189.8 223.7 242.4 272.2 363.2

France 3,778.7 4,389.4 5,165.5 3,597.2 7,065.0 7,698.8

Germany 6,471.1 6,663.8 6,903.2 7,189.7 7,625.7 7,892.7

Greece 199.7 227.7 266.7 303.4 354.8 414.7

Hungary .. 60.7 69.5 82.5 96.1 110.2

Iceland 18.8 31.2 77.7 96.8 126.6 n.a.

Ireland 575.2 722.5 941.9 1,178.1 1,337.4 1,424.5

Italy 2,170.0 2,328.0 2,599.1 2,870.5 3,407.4 3,687.6

Latvia .. 11.2 15.6 22.8 31.5 32.8

Liechtenstein .. .. 83.2 100.4 103.6 81.1

Lithuania .. .. 13.0 17.1 23.5 25.9

Luxembourg 655.8 695.1 792.4 840.0 915.4 931.6

Malta .. 18.2 26.2 30.3 37.3 42.0

Netherlands 1,911.4 2,168.6 2,767.5 1,873.0 2,174.0 2,235.0

Norway 209.2 220.1 267.6 319.6 393.6 391.5

Poland .. 131.9 152.1 177.8 221.3 249.0

Portugal 317.7 310.3 314.9 362.8 404.9 450.3

Romania .. .. .. .. 51.1 78.2

Slovakia .. 30.0 37.1 42.6 49.7 62.9

Slovenia .. 23.7 29.3 33.9 42.3 47.6

Spain 1,429.8 1,632.3 2,073.3 2,517.1 2,946.5 3,223.7

Sweden 287.0 351.2 386.2 462.9 522.6 577.9

Switzerland 1,439.5 1,621.7 1,839.0 1,987.7 2,089.8 2,066.9

United Kingdom 6,785.7 6,656.1 8,035.8 9,325.2 9,483.5 8,188.1

Total 28,235.0 30,577.1 35,483.3 36,472.8 43,096.6 43,867.1

of which: Euro area countries 19,182.7 20,950.6 23,896.8 22,945.9 28,805.6 30,947.0of which: EU countries 26,567.5 28,645.2 33,215.8 33,920.3 40,383.0 41,408.8

Notes(a) EU plus Iceland, Liechtenstein, Norway and Switzerland.

SOURCE: The European Banking Federation

Table 9.05 - European (a) Banks: Total Assets



Table 9.02 & 9.03 The Bank of England publishes a further breakdown of the data within these tables by individual country on a quarterly basis. Table 9.04 Capital transactions comprise working capital invested in fixed assets, ordinary shares and other capital. Current transactions are attributable profits or losses to the investor after provisions for depreciation and bad debts and after deducting domestic taxes, as well as dividends paid to the investor during the period. Table 9.05 Basis of country data may not be consistent from year to year.

Documents

BBA Abstract of Banking