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Operating Highlights
Overview
What we do
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Directors' report
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Introduction
Underlying trading
Liquidity and funding
Impairment of treasury assets
Fair value accounting
Capital and dividend
People
Outlook
Business review
Our strategy
Competing in attractive markets
Experts in specialist mortgage lending
Strong, diversified funding base
Managing the principal risks
Buy-to-let, self-cert and other specialist markets
Key performance indicators
Our 2007 performance
Summary and underlying performance
Items excluded from underlying profits
Balance sheet, capital and non financial measures
Income statement reconciliation
Balance sheet reconciliation
Risk management and control
Risk categorisation
Our Board
Other matters
Governance
Corporate governance report
Principal Board committees
Shareholder relations
Corporate social responsibility
Doing the right thing in the market place
Doing the right thing in the workplace
Doing the right thing in the community
Doing the right thing in the environment
Directors' remuneration report
Remuneration for 2007
Remuneration for 2008
Statement of Directors' responsibilities
The accounts
Independent Auditor's report
Consolidated income statement
Balance sheets
Statements of recognised income and expense
Cash flow statements
Notes to the financial statements
Shareholder Information
Our share price performance
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