Supplement 5 - Analysis of UK long-term savings by distribution channel

	Single			Regular			Total
	9 months to 30 September 2005 £m	9 months to 30 September 2004 £m	Local currency growth¹	9 months to 30 September 2005 £m	9 months to 30 September 2004 £m	Local currency growth¹	Local currency growth¹
Growth rates are calculated based on constant rates of exchange.

IFA
- life & pensions products	3,486	3,526	(1%)	275	328	(16%)	(2%)
- investment products	449	290	55%	-	1	-	54%
	3,935	3,816	3%	275	329	(16%)	2%

Bancassurance partnership with RBSG
- life & pensions products	365	279	31%	17	12	42%	31%
- investment products	65	42	55%	14	15	(7%)	39%
	430	321	34%	31	27	15%	32%

Other partnerships/Direct
- life & pensions products	927	933	(1%)	56	68	(18%)	(2%)
- investment products	327	315	4%	1	1	-	4%
	1,254	1,248	-	57	69	(17%)	-

Total UK long-term savings	5,619	5,385	4%	363	425	(15%)	3%

	Life and pensions sales		Investment sales		Total sales
	9 months to 30 September 2005 £m	Local currency growth²	9 months to 30 September 2005 £m	Local currency growth²	9 months to 30 September 2005 £m	Local currency growth²
Annual premium equivalent (APE) is the UK industry’s standard measure of new regular premiums and 10% of single premiums. Growth rates are calculated based on constant rates of exchange.

IFA	623	(8%)	45	50%	668	(6%)
Bancassurance partnership with RBSG	54	34%	21	8%	75	27%
Other partnerships/Direct	149	(8%)	33	2%	182	(6%)
Total UK long-term savings	826	(6%)	99	21%	925	(4%)

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