| Profit before Taxation | £55m |
| Better than 1996 by: | 21% |
| Earnings attributable to Equity Shareholder | £30.7m |
| Better than 1996 by: | 35% |
| Operating Income | £316m |
| Better than 1996 by: | 10% |
| Charge for Bad and Doubtful Debts | £26.3m |
| Higher than 1996 by: | 11% |
| As a Percentage of Average Retail Lending | 1.1% |
| After Tax Return on Opening Equity Shareholders' Funds | 23.5% |
| Risk Asset Ratio | 12.8% |
| Increase in Average Retail Customer Deposits | 19% |
| Increase in Average Retail Customer Lending | 11% |