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Financial Information

Five Year Summary
Dividend Information

Five Year Summary

This information can also be downloaded as an Excel Spreadsheet.

Consolidated Income Statement

Year ending 31 December	2007 £m	2006 £m	2005 £m	2004 £m	2003 £m
	IFRS	IFRS	IFRS	IFRS proforma	UK GAAP
Interest receivable and similar income	4,167.2	3,115.2	2,576.1	2,274.1	1,869.3
Interest expense and similar charges	-3,366.1	-2,334.6	-1,825.1	-1,537.7	-1,131.4
NET INTEREST INCOME	801.1	780.6	751.0	736.4	737.9
Fees and commission income	516.9	523.6	508.8	512.0	563.0
Fees and commission expense	-32.7	-26.8	-32.4	-43.8	-112.4
Hedge ineffectiveness	-9.5	7.6	-1.0	n/a	n/a
Other operating income	150.0	190.2	160.5	169.0	184.6
TOTAL NON-INTEREST INCOME	624.7	694.6	635.9	637.2	635.2
OPERATING INCOME	1,425.8	1,475.2	1,386.9	1,373.6	1,373.1
Administrative expenses:
Core administrative expenses    Redundancy costs    Exceptional costs arising from the    rationalisation of branch network	-634.6 -8.4 - -656.8 -24.2 - -660.7 - - -674.7 - -9.0 -696.1 - -
Total administrative expenses	-643.0	-681.0	-660.7	-683.7	-696.1
Depreciation and amortisation:
On fixed assets excluding operating    lease assets    On operating lease assets    Impairment of tangible fixed assets	-47.7 -73.5 -9.3 -42.0 -78.5 - -31.2 -74.0 - -30.1 -72.8 - -35.4 -56.2 -
	-130.5	-120.5	-105.2	-102.9	-91.6
TOTAL COSTS	-773.5	-801.5	-765.9	-786.6	-787.7
Impairment losses on loans and advances	-100.2	-104.8	-73.9	-46.5	-59.0
Impairment losses on treasury investments	-152.9	-	-	-	-1.7
OPERATING PROFIT	399.2	568.9	547.1	540.5	524.7
Profit on disposal of Group operations	-	-	-	52.0	-
PROFIT BEFORE TAX	399.2	568.9	547.1	592.5	524.7
Tax	-103.3	-118.8	-140.2	-158.9	-145.5
PROFIT AFTER TAX	295.9	450.1	406.9	433.6	379.2
Profit attributable to:
Innovative tier 1 holders	17.5	17.5	17.5	13.7	n/a
Preference share holders	18.7	-	-	-	-
Minority interests	3.0	0.4	-	-	1.2
Ordinary Shareholders' of Alliance & Leicester plc	256.7	432.2	389.4	419.9	378.0
Earnings per share:
Basic earnings per ordinary share	59.4p	96.4p	86.9p	91.8p	79.0p
Diluted earnings per ordinary share	59.0p	95.9p	86.5p	91.4p	78.5p

The 2004 results are presented on an IFRS proforma basis as described in 2005 Annual Report & Accounts 2005. The results for 2003 are on a UK GAAP basis and not directly comparable with the 2004 to 2007 results. An explanation of the differences between IFRS and UK GAAP is set out in the 2005 Annual Report & Accounts.

Consolidated Balance Sheet

	2007 £m	2006 £m	2005 £m	01-Jan-05 £m	2003 £m
	IFRS	IFRS	IFRS	IFRS	UK GAAP
Assets
Cash and balances with central banks	3,471.0	2,224.0	1,704.6	585.3	494.0
Treasury bills and other eligible bills	-	-	17.1	-	117.0
Due from other banks	2,885.4	2,948.7	2,524.5	1,798.3	3,186.7
Items in the course of collection from other banks	-	-	-	-	125.0
Trading securities	1,438.9	1,152.9	306.3	254.0	-
Derivative financial instruments	970.3	691.8	570.8	378.7	-
Loans and advances to customers:    Securitised advances1    Less: non-recourse finance	53,146.6 n/a n/a 46,350.7 n/a n/a 40,093.8 n/a n/a 33,740.6 n/a n/a 29,798.9 130.0 -127.3
	53,146.6	46,350.7	40,093.8	33,740.6	29,801.6
Net investment in finance leases and hire purchase contracts	1,909.2	1,926.9	2,146.3	2,046.4	1,975.8
Debt securities	n/a	n/a	n/a	n/a	11,491.5
Investment securities:
-available-for-sale	12,772.7	10,482.8	9,817.8	9,211.6	n/a
-held-to-maturity	212.9	364.7	342.5	246.7	n/a
-loans and receivables	210.4	150.3	150.3	425.9	n/a
-at fair value through profit or loss	891.2	1,373.3	331.0	473.4	n/a
Intangible fixed assets	116.1	54.7	18.6	8.5	3.0
Property, plant and equipment	251.4	255.0	262.4	272.5	280.9
Operating lease assets	284.1	300.5	364.4	367.1	374.7
Deferred tax assets	4.9	-	-	-	-
Fair value macro hedge	38.0	-	59.8	12.8	n/a
Other assets	214.9	220.5	218.6	93.9	171.5
Prepayments and accrued income	84.0	60.2	53.2	168.1	402.7
Retirement benefit obligations	52.8	-	-	-	-
TOTAL ASSETS	78,954.8	68,557.0	58,982.0	50,083.8	48,424.4
Liabilities
Due to other banks	19,386.9	8,629.6	6,566.6	4,685.7	5,040.2
Items in the course of transmission to other banks	-	-	-	-	214.9
Derivative financial instruments	791.2	675.4	410.4	774.8	-
Due to customers	30,758.3	29,559.4	26,437.8	25,102.5	24,239.2
Debt securities in issue	24,248.4	25,415.4	21,405.3	15,629.3	14,853.7
Other liabilities	498.4	417.1	329.7	365.7	466.7
Current tax liabilities	4.8	21.3	52.9	82.2	-
Fair values macro hedge	-	181.7	-	-	n/a
Accruals and deferred income	203.6	197.9	261.8	304.0	859.8
Deferred tax liabilities	-	141.9	259.8	197.1	-
Provisions for liabilities and charges	-	-	-	-	240.9
Other borrowed funds	711.2	696.7	939.1	826.5	812.1
Retirement benefit obligations	28.3	47.8	106.9	87.7	n/a
Total liabilities	76,631.1	65,984.2	56,770.3	48,055.5	46,727.5
Equity
Innovative tier 1 Preference shares Minority interests	310.6 294.0 3.5 310.6 294.0 0.4 310.6 - - 310.6 - - n/a - 2.7
	608.1	605.0	310.6	310.6	2.7
Called up share capital Share premium account Capital redemption reserve Reserve for share-based payments Available-for-sale reserve Cash flow hedging reserve Retained earnings	210.3 125.1 89.9 26.2 -142.7 -13.7 1,420.5 219.0 105.6 79.9 21.0 4.2 -19.3 1,557.4 224.4 85.1 73.0 13.8 5.8 22.5 1,476.5 223.2 66.7 72.7 6.7 5.7 14.0 1,328.7 231.1 54.7 63.8 n/a n/a n/a 1,344.6
Total ordinary shareholders' equity	1,715.6	1,967.8	1,901.1	1,717.7	1,694.2
TOTAL EQUITY AND LIABILITIES	78,954.8	68,557.0	58,982.0	50,083.8	48,424.4

Dividend Information

Financial Year	2007	2006	2005	2004	2003
	(IFRS)	(IFRS)	(IFRS)	(IFRS Proforma)	(UK GAAP)
Interim Dividend per share	18.8p	17.6p	16.8p	15.7p	14.3p
Final Dividend per share	36.5p	36.5p	34.7p	32.6p	29.6p
Total Dividend per share	55.3p	54.1p	51.5p	48.3p	43.9p
Basic Earnings per share	59.4p	96.4p	86.9p	91.8p	79.0p
Number of Shares (at 31st December)	420.6m	437.9m	448.9m	446.3m	462.1m
Payment Date for Interim Dividend	8/10/07	9/10/06	10/10/05	11/10/04	13/10/03
Payment Date for Final Dividend	19/05/08*	08/05/07	08/05/06	09/05/05	10/05/04