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T1 - Excel

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									Table 1 Number of banks and branches in
        largest banking centres

end-2008

        Number of banks Number of branches
US                 7,085             82,547
Germany            2,169             39,565
Italy                799             34,146
France               394             27,875
Switz.               327              3,488
UK                   324             10,300
Japan                150             12,000

Source: European Banking Federation, US Federal Reserve,
        Bank of Japan, Financial Services Authority
Table 2 Regional breakdown of pre-tax
        profits

$bn
                                        2007/2008   2008/2009
Asia (excl. Japan)                            148         146
Middle East                                    31          23
Latin America                                  31          17
Japan                                          55          16
Rest of Europe                                 55          -8
EU27                                          320         -16
US                                            109         -91
Rest of world                                  39          28
Total                                         781         115

Source: The Banker
Table 3 Largest banks in the world

$bn, 2008
                                             Tier one capital    Govern.
                                          Total      excl. gov injection
                                                     capital
JP Morgan Chase & Co             US            136.1      111.1          25
Bank of America Corp.            US            120.8      105.8          15
Citigroup                        US            118.8        73.7         45
Royal Bank of Scotland           UK            101.8        71.9         30
HSBC Holdings                    UK             95.3        95.3          0
Wells Fargo & Co                 US             86.4        61.4         25
Mitsubishi UFJ Financial Group   Japan          77.2        77.2          0
ICBC                             China          74.7        74.7          0
Credit Agricole Group            France         71.7        67.5          4
Santander Central Hispano        Spain          65.3        65.3          0
Bank of China                    China            65          65          0
China Construction Bank Corp     China          63.1        63.1          0
Goldman Sachs                    US             62.6        52.6         10
BNP Paribas                      France         58.2        54.6          4
Barclays Bank                    UK             54.3        54.3          0

Source: The Banker
Table 4 Shrinkage of market capitalisation
        of major banks

$bn, Q2-2007 to January 2009

                     Q2-2007      Jan-09 % decline
RBS                      110           5        96
Citigroup                217          19        92
Barclays                  77           7        92
Deutsche Bank             56          10        85
Credit Agricole           33          15        64
Unicredit                 38          26        60
BNP Paribas               44          32        58
UBS                       46          35        57
Societe Generale          28          26        52
Morgan Stanley            17          16        52

Source: Bloomberg
Table 5 Largest investment banks

2009
                                   Revenue    Debt        Equity        Loans        M&A        Annual
                                   $m         %           %             %            %          change
                                                                                                %
JP Morgan                             5,455          29            29           29         20            20
Bank of America Merrill Lynch         4,057          31            31           31         19            19
Goldman Sachs                         4,044          20            20           20         31            31
Morgan Stanley                        3,578          23            23           23         27            27
Citi                                  3,394          34            34           34         23            23
Credit Suisse                         3,029          32            32           32         23            23
Deutsche Bank                         2,800          40            40           40         20            20
UBS                                   2,785          24            24           24         27            27
Barclays Capital                      2,026          53            53           53         19            19
RBS                                   1,542          51            51           51          8             8

Source: Dealogic, FT.com
Table 6 Largest private banks

Assets under management, end-2008

                        $bn                  % share
Bank of America                      1,501             10.4
UBS                                  1,393               9.6
Citi                                 1,320               9.1
Wells Fargo                          1,000               6.9
Credit Suisse                          612               4.2
JP Morgan                              552               3.8
Morgan Stanley                         522               3.6
HSBC                                   352               2.4
Deutsche Bank                          231               1.6
Goldman Sachs                          215               1.5
Other                                6,802             46.9
Total                               14,500              100

Source: Scorpio Partnership
Table 7 Number of banks in the UK

End- March

                                          1995         1999     2008       2009
Incorporated in the UK                     224          200      156        159
  UK owned                                 142          121       70         71
  Foreign owned [1]                         82           79       86         88
Incorporated outside the UK                257          244      168        166
  UK branch of an EEA firm [2]             102          109       84         82
  UK service of an EEA firm1        ---          ---               4          5
  Outside the EEA [3]                     155          135        80         79
Total authorised banks                    481          444       324        325

Foreign banks physically located in the UK [1]+[2]+[3]
                                            339          323       250      249
Channel Islands & Isle of Man2                               -         -
                                              41 -
1 Figures for 'UK service of an EEA firm' only available from 2005
2 From Sep-1997 Channel Islands and Isle of Man institutions were no longer considered part of the UK banking sector
rt of the UK banking sector
Table 8 Largest UK banks

$bn, end-2008

                            Tier one Assets
                            capital
Royal Bank of Scotland           101.8   3,501
HSBC Holdings                     95.3   2,418
Barclays Bank                     54.3   2,993
HBOS4                             28.8   1,006
Lloyds TSB Group                     20     636
Standard Chartered                   19     435
Abbey                               7.9     338
Clydesdale Bank1                    4.1      84
FCE Bank Plc                          4      32
Alliance & Leicester                2.7     110
Bradford & Bingley                  2.6      82
Schroders                           2.4      11
Standard Bank                       1.4      35
The Co-operative Bank2              1.2      22
Close Brothers Group3               1.1      12

1 9/2008; 2 1/2009; 3 7/2008; 4 merged with Lloyd's TSB to create Lloyd's Banking Group
Source: The Banker
Table 9 UK banking sector employment

Thousands

            Major       Other       TOTAL
            British     British
            Banking Banks
            Group1
     2003           327         141      443
     2004           330         128      437
     2005           326         116      440
     2006           317         106      432
     2007           315         110      436
     2008           312         111      435

1MBBG includes The Abbey National, Alliance & Leicester, Barclays, Bradford & Bingley, HBOS, HSBC Bank, Lloyd's TSB, N
Source: British Bankers' Association
HBOS, HSBC Bank, Lloyd's TSB, Northern Rock, The Royal Bank of Scotland and National Westminster
Chart 1 Worldwide banking industry assets
        and profits

                        Assets of largest         Pre-tax profits of largest
              1,000 banks, $ trillion (bars)   1,000 banks, $ billion (line)
    00/01                               37.9                            317
                                        39.6                            223
    02/03                               43.9                            252
                                        52.4                            417
    04/05                               60.5                            544
                                        63.8                            645
    06/07                               74.2                            786
                                        92.3                            781
    08/09                               96.4                            115

Source: The Banker
Chart 2 Realised and expected writedowns
        for banks by region, June 2009

$bn
                     Expected % of total
          Realised writedowns writedowns loans
US               608       418          8
UK               260       344          7
Euro Area        347       467          4
                  78
Other Mature Europe        123          5
Asia              40       126          2

Source: International Monetary Fund
Chart 3 Public sector interventions during
        the credit crisis

% of GDP

          Euro area US              UK
     2007          3            0             5
     2008         30           56            57
     2009         29           48            73

Source: IFSL estimates based on Bank of England figures
Chart 4 Global banks' capital raising

$bn, 2007 to 1H-2009

                     Writedowns
           Raised capital
US               500       610
Europe           220       350
UK               160       260

Source: IMF
Chart 5 US mortgage lending


              Annual volume of      subprime
             single-family loans lending %
               originated, $bn     share of total
            Prime      Sub-prime
     2001         1.81         0.7             7.6
     2002         2.89         0.6             7.4
     2003         3.75         0.8                8
     2004         2.15         1.2              18
     2005          2.1        1.55            21.5
     2006         1.72        1.48              23
     2007          1.8         0.8                7
     2008          1.5         0.2                2

Source: Joint Center for Housing Studies of Harvard University,
       IFSL estimates
Chart 6 Banks tightening standards for
        loans

Percentage of banks tightening standards for mortgage loans
                      Prime residental
                      mortgages*         Other mortgages
     2007 Q1                          15                 45
          Q2                          14                 39
          Q3                          41                 60
          Q4                          53                 86
     2008 Q1                          62                 76
          Q2                          74                 84
          Q3                          71                 89
          Q4                          47                 48
     2009 Q1                          49                 64
          Q2                          22                 46
          Q3                          26                 30

* Loans to borrowers with relatively strong credit histories
Source: US Federal Reserve
Chart 7 Regional breakdown of largest 1,000
        banks

% share of total assets

           2007/08 2008/09
Europe            61      56
Asia              12      14
US                11      13
Other             16      17

Source: The Banker
Chart 8 Largest banking centres

Deposits, $bn, 2008

US              8082
Japan           6600
UK              5440
Germany         4323
France          2172
Italy           1901
Switzerland     1321

Source: European Banking Federation, FDIC, Bank of Japan
Chart 9 Return on capital and assets in
        all banks


                         % profits / assets
            % profits / Tier one capital
     1999       17.35          0.84
     2000       17.91          0.84
     2001       12.34          0.56
     2002       12.79          0.57
     2003       17.56            0.8
     2004       19.86            0.9
     2005        22.7          1.01
     2006       23.37          1.06
     2007       20.02          0.88
     2008        2.69          0.12

Source: The Banker
Chart 10 Average cost/income ratio by
         region

cost/income ratio, %

                            2007/08     2008/09
US                             63.5        71.5
Japan                          73.6        68.4
EU                             58.5          67
Latin America                    57        60.3
Rest of Europe                 50.9        54.1
Rest of World                  57.7        54.1
Asia ex-Japan                  49.2        48.1
Middle East                    39.9        41.1

Source: The Banker
Chart 11 International bank lending flow

$bn, exchange rate adjusted changes in value outstanding

     2000     603.564
              151.537
              261.454
              420.059
     2001     851.925
             -125.115
              -15.112
              221.663
     2002     125.736
               190.72
               66.152
              349.084
     2003     571.608
               620.99
              -66.368
              404.236
     2004     1419.37
              276.521
              222.161
              579.691
     2005     1289.65
              1039.71
              550.124
              485.913
     2006     1675.83
              660.212
              772.358
              1053.88
     2007      2600.9
               1367.3
              1066.59
              1166.44
     2008     1428.05
             -978.594
               202.06
             -1895.63
     2009    -1111.34
             -476.835

Source: Bank for International Settlements
Chart 12 Origin of cross-border transactions

% share of total, June 2009

           Lending    Borrowing
UK                 18        22
Germany            11         6
US                 10        11
France              8         9
Japan               8         4
Cayman Islands      6         6
Netherlands         4         4
Switzerland         3         4
Others             32        35

Source: Bank for International Settlements
Chart 13 Concentration of global banking

Top 1000 banks' assets, % share

              Top 10    Next 10    Next 30   Next 950
     1999         19         15         26         39
     2007         14         12         23         51
     2008         26         15         21         38
     2009         26         15         22         36

Source: The Banker
Chart 14 Most highly valued banks1

                                 $bn           Price to book ratio
                                       2000          2009
Average market capitalisation             77            96
Price to book ratio                      3.7           3.1

1 Average of top 10 banks by price to book ratio
Source: Financial Times
Chart 15 Largest global banks by market
         capitalisation

$bn, March 2009

Ind. & Commercial Bank of China           170
China Construction Bank                   120
Bank of China                             115
HSBC                                       65
JP Morgan Chase                            60
Mitsubishi UFJ Financial                   48
Banco Santander                            43
Goldman Sachs                              40
Wells Fargo                                35
Bank of Communications                     35

Source: Financial Times
Chart 16 Global investment banking
         sources of revenue by region

$bn
                Asia    Europe Americas
      1999      28.2      15.2      6.9
                30.7      18.6      7.6
      2001      24.6      11.8      5.2
                18.4      10.7      4.7
      2003      22.7      11.7      6.3
                25.2      12.7      8.4
      2005      26.9      16.6      9.3
                34.3      22.8     11.9
      2007      44.4      26.7     13.3
                29.7      19.5      9.7
      2009      30.6      20.6     15.1

Source: www.freeman-consultingservices.com
Chart 17 Global investment banking
         sources of revenue by product

$bn

             M&A          Equity     Fixed income
      1999         18.4         11.2       20.8
                   21.4         10.3       25.2
      2001         13.0         11.3       17.2
                   11.0          8.7       14.1
      2003         14.0         12.7       13.9
                   14.5         13.7       18.0
      2005         18.1         10.3       24.3
                   33.6         19.4       16.0
      2007         42.7         25.0       16.7
                   31.9         13.3       13.6
      2009         21.5         24.4       20.4

Source: www.freeman-consultingservices.com
Chart 18 UK investment banking sources
         of revenue by product

$bn

             M&A         Equity         Fixed income and other
      1999         2.4            0.9           0.5
      2001         2.1            0.9           0.5
      2003         1.8            0.5           0.6
      2005         2.9            0.9           0.7
      2006         3.6            1.6           1.1
      2007         4.2            1.7           1.0
      2008         2.8            1.0           0.8
      2009         1.4            2.5           1.1

Source: www.freeman-consultingservices.com
Chart 19 Global M&A activity

$bn, announced deals

            Other               UK
                      Other Europe
     2000        2048      1000      400
     2001        1179       354      168
     2002         606       481      121
     2003         660       494      135
     2004        1231       468      254
     2005        1687       719      294
     2006        1956      1320      334
     2007        2577      1206      387
     2008        1718       901      269
     2009        1492       422      158

Source: Thomson Financial
Chart 20 Global investment banking
         sources of revenue by industry

% share

            Financial Consumer HealthcareTechnology   Other
     1999         30        14          4        29      23
                  27        10          6        39      18
     2001         33        15          6        23      23
                  30        15          6        20      29
     2003         27        14          5        17      37
                  25         8          7        18      42
     2005         26         7          6        17      44
                  31        10          4        14      41
     2007         29         9          7        14      41
                  33        10          5        12      40
     2009         30         9          5        13      44

Source: www.freeman-consultingservices.com
Chart 21 UK investment banking
         sources of revenue by industry

% share, 2009

Consumer Financial Industrial TechnologyOther
     415      1364        688      302        931

Source: www.freeman-consultingservices.com
Chart 22 Global private banking industry
         assets under management

$ trillion

       2002       8.5
       2003      11.2
       2004      12.6
       2005      13.6
       2006        16
       2007      17.4
       2008      14.5

Source: Scorpio Partnership Ltd
Chart 23 Global private wealth

value of assets, $ trillion

                        All investors
             High Net Worth Individuals
      1999         25.5        71.5
      2000         25.5        67.8
      2001           26        64.1
      2002         26.7        65.5
      2003         28.8        78.2
      2004         30.7        85.3
      2005         33.4          91
      2006         37.2        97.9
      2007         40.7       109.5
      2008         32.8        92.4

Source: The Boston Consulting Group (BCG), Merrill Lynch Capgemini (MLCG)
Chart 24 Islamic finance

Banking, Takaful & fund assets, $bn, end-2008

Iran           S.Arabia Malaysia UAE         Kuwait    Bahrain   Qatar      UK          Turkey
       293.2       127.9       87       84        67.6      46.2       27.5      19.4        17.8


Source: The Banker
Others
         52
Chart 25 Index of UK financial market
         liquidity

Index (variations from mean value of a basket of 9 indicators)*

     2007        0.75
                 0.86
                 0.86
                 0.89
                 0.81
                 0.79
                 0.72
                 0.71
                  -0.3
                -0.23
                -0.01
                -0.25
     2008       -0.62
                -0.19
                -0.25
                  -0.9
                  -1.1
                -0.87
               -0.067
                  -0.6
                -0.75
                  -1.3
                    -3
                  -3.7
     2009         -3.9
                  -3.5
                  -3.5
                  -4.1
                  -4.2
                  -3.5

* indicators include gaps between bid-and-offer prices on bonds, currencies and stocks, the ratio of returns to trading volumes,
Source: Bank of England, Bloomberg
e ratio of returns to trading volumes, and spreads in the credit market; 2 January to June
Chart 26 UK banks' leverage

Ratio (total assets divided by total equity excluding minority interest)

            Median       Maximum Minimum
     1999           22           5       -8
     2000           22           5      -11
     2001         22.5         3.5      -11
     2002           26           7      -10
     2003           27           9      -11
     2004           27          22     -8.5
     2005           30          28     -8.2
     2006           31          25     -7.5
     2007         31.5        27.5       -8
     2008           34          35       -8

Source: Bank of England, IFSL calculations
Chart 27 UK resident banks' interbank
         lending

£m, annual change

                       Repos
            Market loans
     2000       10022       4979
     2001       34010        667
     2002       39319      -8767
     2003       44291      12339
     2004       95022     -13379
     2005       65106      49187
     2006       96970      46158
     2007       79682     -21257
     2008      -10319     -63013
     2009     235695       70502

Source: Bank of England
Chart 28 UK banking sector assets

£bn
                    Foreign banks     UK banks
             2000                1404            1740
             2001                1611            1815
             2002                1825            1823
             2003                1982            2183
             2004                2177            2534
             2005                2529            2998
             2006                2947            3315
             2007                2956            4008
             2008                3539            4380
             2009                3766            3850

Source: Bank of England, IFSL calculations
Chart 29 Foreign owned UK banking sector
         assets by country

£bn
             EU          US         Japanese Other
      2000         858        256         151      475
      2007        2044        521         120     1322
      2009        2075        639         200     1078

Source: Bank of England, IFSL calculations
Chart 30 Major UK banks customer funding
         gap

£bn, amount of customer lending not financed through customer deposits

     2000        540
     2001        515
     2002        480
     2003        525
     2004        440
     2005        560
     2006        530
     2007        680
     2008        842
     2009        610

Source: Bank of England, IFSL calculations
Chart 31 Industrial breakdown of lending
         to UK residents

% share*, end-2009

                        Real estateManufacturing
Individuals Financial intermediation                   Insurance cos.
                                                                    Other
                                             Wholesale and retail trade & pension funds
        40          28          12         2         2           1          15

* Not seasonally adjusted
Source: Bank of England, IFSL calculations
Chart 32 External business of banks
         operating in the UK

amounts outstanding, £bn


                      Emerging
            Advanced countries market countries
     2004       2286       1409
                2255       1423
                2339       1510
                2532       1595
     2005       2689       1625
                2665       1653
                2727       1680
                2646       1727
     2006       2952       1899
                3063       2043
                3084       2155
                3156       2274
     2007       3651       2491
                3744       2629
                4008       2924
                4252       3051
     2008       4705       3242
                4222       2986
                4051       2927
                3605       2511
    2009*       3477       2482
                3500       2559
                3503       2538

* up to Q3-2009
Source: Bank of England, IFSL calculations
Chart 33 Mortgage possessions and arrears

            Number (thousands) £bn
                      A
            Possessions rrears    Annual lending
     2005        14.6       122.9       288
     2006        20.9       115.5       345
     2007        25.9       127.8       363
     2008          40       182.6       253
    2009e          48         195       169
    2010f          53         205

Source: Council of Mortgage Lenders; IFSL estimates
Chart 34 Industrial breakdown of deposits
         from UK residents

% share*, end-2009

                        Real estateInsurance cos. & pension funds and retail trade
Individuals Financial intermediation                     Wholesale Other
                                              Manufacturing
        39          31           5          2          2         1        20

* Not seasonally adjusted
Source: Bank of England, IFSL calculations
Chart 35 Deposits of UK/foreign banks
         breakdown by currency

% share

Sterling        Euro        Other
           77           6           17
           59          18           22
           27          23           50
           28          32           40

Source: Bank of England, IFSL calculations
Chart 36 Net income

£bn, annual total
(Major British Banking Group)

                       Provisions Net income
            Pre-tax profits/loss
     1998         14.5        2.844  17.344
                    17           2.9    19.9
     2000         18.1           3.1    21.2
                  17.4           4.2    21.6
     2002         16.1           5.7    21.8
                  20.8             6    26.8
     2004           24           5.3    29.3
                  27.4           7.4    34.8
     2006         31.7           8.9    40.6
                  31.7         10.9     42.6
     2008        -41.7         33.7       -8

Source: British Bankers' Association
Chart 37 Interest margins and operating
         expenses of UK banks

% of total assets
(Major British Banking Group)

            Operating Interest
            expenses margins
     1992          3.1        2.6
     1994          2.7        2.4
     1996          2.3        2.3
     1998            2        2.2
     2000            2          2
     2002          1.9        1.7
     2004          1.8        1.2
     2006          1.5        1.1
     2007            1        0.8
     2008          1.4        0.8

Source: British Bankers' Association
Chart 38 Branches and cash dispensers
         in the UK

Thousands

                      Cash dispensers
            Number of branches
     1998       14.8        24.6
                12.3        27.4
     2000         12          33
                11.9        36.7
     2002       11.8        40.8
                10.9        46.4
     2004       10.6        54.4
                10.6        58.3
     2006       10.3        60.5
                  10        63.5
     2008        9.9        63.9

Source: Association for Payment Clearing Services (APACS), BBA, IFSL estimates
Chart 39 On-line distribution channels in
         the UK

Millions of
customers

                          Internet via pc       Total
              Internet mobile device Voice-telephone
     2002               0           8      12.5         17
                        1          10        14       19.5
     2004             1.5          11      14.5         22
                      2.5       12.5       14.3       23.5
     2006               5          14        14         25
                        8          15      13.5         27
     2008              10       15.5         12         28
                       12          16        10         29
     2010           13.5        16.5        9.5         30
                       14       17.5          9       30.5
     2012              15          18         8         31

Source: APACS
Chart 40 Value and volume of cleared
         payments in the UK

                   £ trillion               billions
                         Automated Paper -items - volume items - volume
            Paper items - value     items value  Automated
     1998           1.5        43.1         2.2        2.9
                    1.5        68.6         2.1        3.1
     2000           1.4        76.4           2        3.3
                    1.4          87         1.9        3.6
     2002           1.4          84         1.8        3.8
                    1.3          90         1.7        4.1
     2004           1.3        94.2         1.6        4.6
                 1.22          97.1         1.5        5.2
     2006        1.23         109.6         1.4        5.4
                 1.22         130.4         1.2        5.6
     2008        1.13          88.1         1.1        5.8

Source: APACS
Chart 41 Plastic cards

Millions in issue
                        Debit cardsATM cards Other
             Credit cards
      1996         31.3       32.5      24.7         5.3
                   35.5       36.6      24.3         5.1
      1998         38.3       42.5      23.7         4.5
                   41.4       46.1      23.2         7.5
      2000         47.1       49.7        23         7.5
                   51.7       54.3        24         6.8
      2002         58.8       59.4      23.2         6.1
                   66.8       66.8      24.9           6
      2004         69.9         70      24.8         5.2
                   69.9         70      22.9           5
      2006         69.5       69.5      21.3         4.3
                     67         73        20           5
      2008         66.1       76.3      19.4         6.8

Source: APACS
Chart 42 UK output

GVA index 1997 = 100

                        Banking UK
            Financial services
     1997         100          100       100
     1998           94         121       105
     1999           99          96       110
     2000           92          92       116
     2001           98         100       122
     2002         129          109       129
     2003         146          126       136
     2004         153          145       144
     2005         162          157       150
     2006         185          186       159
     2007         211          202       167

Source: Office for National Statistics
Chart 43 UK banks' net exports

£bn

      2000     6958
      2001     8754
      2002     9558
      2003    12150
      2004    13148
      2005    14929
      2006    17663
      2007    23675
      2008    31069

Source: Bank of England
Chart 44 Banks' foreign direct investment

£bn

             Outward Inward
      2000        18.1     23.7
      2001        25.3     27.1
      2002          27     27.9
      2003        27.1     29.9
      2004        37.4     33.5
      2005        46.3     37.6
      2006        50.8     40.8
      2007        56.8     44.4
      2008        71.7       53

Source: Bank of England

								
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