Detailed worldwide investment sales analysis

	9 months 2008 £m	9 months 2007 £m	Local currency growth	9 months 2008 £m	9 months 2007 £m	Local currency growth	Local currency growth
	Regular			Single			PVNBP
UK regular premium investment sales include SIPP products. These are similar in nature to pension products and their payment pattern is stable and predictable and accordingly they have been capitalised. Regular premium SIPP sales for the 9 months to 30 September 2008 totalled £20 million (2007: £27 million) and have been capitalised using a weighted average capitalisation factor of 5.0 (2007: 5.0). As such, regular premium SIPP sales have produced an overall contribution to investment sales of £102 million (2007: £136 million) out of the UK investment sales of £1,243 million (2007: £2,199 million).

UNITED KINGDOM¹	64	64	-	1,097	2,026	(46)%	(43)%

Netherlands (including Belgium and Germany)	-	-	-	272	502	(53)%	(53)%
Poland	5	3	25%	49	220	(83)%	(81)%
Other Europe	-	-	-	314	389	(30)%	(30)%
EUROPE	5	3	25%	635	1,111	(52)%	(51)%

Australia	-	-	-	1,227	1,525	(29)%	(29)%
Singapore	-	-	-	264	505	(53)%	(53)%
ASIA PACIFIC	-	-	-	1,491	2,030	(35)%	(35)%

Total investment sales	69	67	1%	3,223	5,167	(43)%	(42)%

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