Shr 97.0p vs 85.3p    Div 22.5p vs 20.0p making 35.0p vs 30.5p
    Pretax profit 253.9 mln stg vs 267.9 mln
    Tax 96.3 mln vs 125.6 mln
    Operating income 1.15 billion vs 998.8 mln
    Operating expenses 759.3 mln vs 692.7 mln
    Trading profit before charge for bad and doubtful debts
    394.4 mln stg vs 306.1 mln
    Charge for bad and doubtful debts 184.2 mln vs 100.7 mln
    Share of profits of associates 43.7 mln vs 62.5 mln
    Minority interests 6.6 mln debit vs 9.6 mln debit
    Extraordinary items 8.7 mln debit vs 15.7 mln credit
    Operating income includes -
    Interest income 2.49 billion vs 2.33 billion
    Interest expenses 1.77 billion vs 1.64 billion
    Other operating income 428.8 mln vs 313.2 mln
    Operating expenses include -
    Staff 405.9 mln vs 376.0 mln
    Premises and equipment 197.0 mln vs 155.2 mln
    Others 156.4 mln vs 161.5 mln
    Pretax profit includes -  North America 65.8 mln vs 49.6
mln
    Asia Pacific 0.9 mln vs 31.8 mln
    Middle East and south Asia 17.7 mln vs 2.3 mln
    Tropical Africa 47.5 mln vs 44.7 mln
    U.K. 107.6 mln vs 135.7 mln
    South Africa 36.8 mln vs 35.6 mln
 Reuter
