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In Section 1:
Introduction

Chairman's Statement

Group Chief Executive's Statement

Financial Performance
Group Finance Director


The Leadership Team












Note 1:
Figures exclude Woolwich fair value adjustments. Further details are provided in the Presentation of information section.

Note 2:
Figures exclude the restructuring charge relating to staff displacement and related costs, costs associated with the integration of Woolwich plc, Woolwich fair value adjustments and goodwill amortisation. Further details are provided in the Presentation of information section.

Note 3:
Woolwich plc was acquired on 25th October 2000 and its results are included from that date.
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