Time     Slide Title
   00:00:00 2007 Results
   00:00:06 Sir Victor Blank - Chairman
   00:00:18 Chairman's Overview
   00:04:33 Helen Weir - Group Finance Director
   00:05:22 Continuing to deliver strong performance
   00:05:36 Good overall performance
   00:06:22 Underlying performance even stronger
   00:06:44 Key performance drivers
   00:08:05 Good customer lending and deposit growth
   00:09:22 Net interest margin stabilising
   00:10:08 UKRB: balanced income growth
   00:11:22 W&IB: components of income growth
   00:12:05 Continued momentum in Corporate Markets
   00:13:03 Limited exposure to market dislocation
   00:14:34 Limited exposure to market dislocation
   00:15:24 Limited exposure to market dislocation
   00:16:50 I&I: components of growth
   00:18:04 I&I: focusing on more capital efficient growth
   00:19:04 Income growth ahead of costs in all divisions
   00:19:29 Asset quality ratio has remained stable
   00:20:32 Asset quality ratio has remained stable
   00:21:07 A good quality property lending portfolio
   00:22:32 Lending quality strong and consistent
   00:23:58 Improving on returns
   00:24:20 Capital ratios remain robust on a Basel I basis
   00:25:07 Improved capital position under Basel II
   00:26:22 A strong funding profile
   00:26:57 A core funding base of customer deposits
   00:27:43 A consistent approach to funding
   00:28:32 Strong core business momentum
   00:29:40 Helen Weir - Group Finance Director
   00:29:42 Eric Daniels - Group Chief Executive
   00:29:58 2007 results in longer term context
   00:31:24 Strong momentum
   00:31:45 Strong momentum
   00:32:00 Strong momentum
   00:32:23 Strong momentum
   00:32:49 Significant growth potential
   00:34:18 Significant growth potential
   00:35:52 UKRB: relationsip driven growth
   00:36:31 UKRB: deep understanding of our customer
   00:37:40 UKRB: changing the mix
   00:38:25 UKRB: establishing market leading positions
   00:39:02 UKRB: establishing market leading positions
   00:40:04 UKRB: low risk, relationship-focused funding
   00:41:08 W&IB: relationship-driven growth
   00:41:27 W&IB: growing the commercial banking franchise
   00:42:15 W&IB: growing the Corporate Banking franchise
   00:43:05 W&IB: low risk, relationship-focused lending
   00:43:28 I&I: relationship-driven growth
   00:43:54 I&I: relationship-driven growth
   00:44:19 Continuous productivity growth
   00:44:42 Investing for future growth
   00:45:17 We are well placed
   00:46:01 2007 results in a longer term context
   00:47:11 Question 1
   00:51:28 Question 2
   00:54:36 Question 3
   00:58:20 Question 4
   01:01:03 Question 5
   01:04:36 Question 6
   01:06:42 Question 7
   01:10:37 Question 8
   01:13:36 Question 9
   01:16:00 Question 10
   01:16:33 Question 11
   01:21:11 Question 12
   01:24:42 Question 13