Unaudited

Unaudited

Audited

30/06/99

30/06/98

30/09/98

Return of average shareholders’ funds before deferred tax rate

adjustment

(%)

20,6

28,3

30,2

Return on average shareholders’ funds after deferred tax rate

adjustment

(%)

24,9

22,5

25,9

Return on average total assets

before deferred tax rate adjustment

(%)

1,3

1,5

1,6

Return on average total assets

after deferred tax rate adjustment

(%)

1,6

1,2

1,4

Expenses to income

(%)

52,1

53,3

53,6

Capital adequacy

(%)

11,6

10,7

11,0

Earnings per share before

deferred tax rate adjustment

(cents)

32,2

26,0

37,6

Earnings per share after

deferred tax rate adjustment

(cents)

38,9

20,7

32,3