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| 2003 Interim Results 1st August 2003 | |||
| The attached questions and answers were from the presentation made in London on 1st August 2003 and are available as a full multimedia webcast. | |||
| Growth | |||
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Capital Constraint | ||
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M & A | ||
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Wholesale Assets | ||
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Share of Wallet | ||
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Wholesale Growth | ||
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Competitive Domestic Market | ||
| Dividend / Capital | |||
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Growth Constraint | ||
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Dividend / Acquisitions | ||
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Basel II / Ratings | ||
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Basel II / Securitisation | ||
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Is Capital Appropriate? / NBNZ | ||
| Margin | |||
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Retail Margins / Provisions | ||
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Domestic Retail Margins | ||
| Insurance & Investments | |||
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Scottish Widows Volatility | ||
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Scottish Widows Network Sales | ||
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Creditor Insurance | ||
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Bancassurance Margins | ||
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IFA Sales / Payback | ||
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Dilution of Earnings | ||
| Other | |||
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Retail Provisions | ||
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Economic Profit | ||
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Mortgages | ||
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Costs | ||