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Supplement 2 - Analysis of sales via our principal bancassurance channels

	Present value of new business premiums2
	9 months to 30 September 2005 £m	Local currency growth1
Life and pensions
United Kingdom
Royal Bank of Scotland Group	442	33%
	442	33%
France
Crédit du Nord (commenced 1 October 2004)	560	-
	560	-
Italy
UniCredito Italiano	647	15%
Banca Popolare Italiana Group	423	79%
Banca delle Marche	139	25%
Banche Popolari Unite	505	164%
	1,714	55%
Netherlands
ABN AMRO	450	15%
	450	15%
Spain
Bancaja	588	6%
Caixa Galicia	225	(57%)
Unicaja	196	(2%)
Caja Espãna	119	(1%)
Caja de Granada	89	(2%)
	1,217	(19%)
International
DBS	148	(29%)
	148	(29%)
Total life and pensions	4,531	30%
Investment sales3
United Kingdom
Royal Bank of Scotland Group	79	39%
	79	39%
Total bancassurance sales	4,610	28%
Growth rates are calculated based on constant rates of exchange. Present value of new business premiums (PVNBP) is the present value of new regular premiums plus 100% of single premiums, calculated using assumptions consistent with those used to determine new business contribution. Investment sales are calculated as new single premium plus annualised value of new regular premiums.

Analysis of total new business sales via the joint venture with Royal Bank of Scotland Group (RBSG)

Total sales through the joint venture with RBSG are provided below on a 100% basis and for Aviva’s share. In reporting the life and pensions results, a 50% share of sales written through the joint venture life company and 100% of single premium with-profit and unit-linked bond sales written through a Norwich Union fund are included.  Investment sales represent Aviva’s 50% share of the collective investment sales.

	Total RBSG sales			Aviva’s share
	9 months to 30 September 2005 £m	9 months to 30 September 2004 £m		9 months to 30 September 2005 £m	9 months to 30 September 2004 £m
Total life and pension sales	606	515		442	333
Collective investment sales	157	114		79	57
Total RBSG bancassurance sales	763	629		521	390

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