UBS Global Financial Services Conference

x Corporate Banking & Financial Markets 2004 2003 Change ₤m £m Net interest income 2,545 2,324 +10% Non-interest income 4,964 4,373 +14% Total income Direct expenses Contribution before provisions Provisions Contribution 7,509 6,697 +12% 2,664 2,322 +15% 580 4,845 4,375 +11% 755 -23% 4,265 3,620 +18% Slide 16

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