UBS Global Financial Services Conference slide image

UBS Global Financial Services Conference

Retail Direct 2004 2003 Change £m £m Net interest income 938 849 +10% Non-interest income 1,191 986 +21% Total income 2,129 1,835 +16% Direct expenses 712 657 +8% Contribution before provisions 1,417 1,178 +20% Provisions 377 297 +27% Contribution 1,040 881 +18% 2003 restated following transfer of certain activities to Manufacturing Slide 22
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