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Model
		Sheets	Sheet Type	Description	Links
		Model	Assumptions	Description of Sheets	Model
		List	Assumptions	Lists and model assumptions	List
		Data	Input Sheet	Actual lead metrics by region	Data
		Plan	Input Sheet	Plan lead metrics by region	Plan
		Cust	Input Sheet	Customer data (small data set)	Cust
		Hires	Input Sheet	Hires and terminations	Hires
		Sick	Input Sheet	Average sick days per employee	Sick
		FTE	Input Sheet	Full time equivalent workers	FTE
		General	Input Sheet	General financial metrics	General
		Other	Input Sheet	Other financial and ops metrics	Other
		Calcs	Calculations sheet	Primary calculations page	Calcs
		Check	Error trapping	Checks and balances for the model	Check
		Summary	Output Sheet	Primary output page	Summary
Lists
	Metric	Measures		Hires	Years	Regions		Checks
	Linked Cell Spinner	1		FY 10	FY 12	England		Model OK
	Linked Cell Listbox	Net Interest Margin		FY 11	FY 13	Scotland		Check Model
	Region Cell Link	1		FY 12	FY 14	Wales
	Region	England		FY 13	FY 15	Northern Ireland
				FY 14	FY 16
				FY 15	FY 17
				FY 16	FY 18
				FY 17	FY 19
				FY 18	FY 20
				FY 19
				FY 20
Data
	Region	Activity	FY 12	FY 13	FY 14	FY 15	FY 16	FY 17	FY 18	FY 19	FY 20
	England	Net Income	$ 7,400	$ 8,100	$ 8,300	$ 9,600	$ 10,200	$ 10,000	$ 10,200	$ 10,600	$ 10,300
	England	Revenue	$ 28,900	$ 33,569	$ 34,511	$ 35,678	$ 38,976	$ 40,014	$ 41,018	$ 42,522	$ 48,152
	England	Diluted Earnings Per Share	3.1	3.2	3.4	3.4	3.5	3.6	4.5	5.6	7.0
	England	Dividends Per Share	1.0	1.1	1.1	1.2	1.2	1.3	1.6	2.0	2.5
	England	Return on Assets	260.00%	240.00%	260.00%	250.00%	250.00%	260.00%	325.00%	406.25%	507.81%
	England	Return on Equity	2340.00%	2270.00%	2680.00%	2570.00%	2760.00%	2860.00%	3075.00%	2568.75%	2285.94%
	England	Net Interest Margin	750.00%	780.00%	830.00%	830.00%	840.00%	870.00%	887.50%	900.00%	870.00%
	England	Efficiency Ratio	0.8	0.9	0.9	0.9	0.8	0.9	1.1	1.4	1.7
	England	Assets	$ 440,000	$ 465,000	$ 480,000	$ 520,000	$ 550,000	$ 620,000	$ 675,000	$ 698,750	$ 668,750
	England	Loans	$ 255,923	$ 267,900	$ 278,900	$ 298,765	$ 312,900	$ 320,984	$ 301,230	$ 298,765	$ 326,922
	England	Core Deposits	$ 253,651	$ 262,890	$ 268,931	$ 274,900	$ 289,150	$ 305,918	$ 315,918	$ 307,123	$ 335,918
	England	Stockholder's Equity	$ 28,750	$ 30,800	$ 31,540	$ 32,700	$ 33,870	$ 34,900	$ 35,900	$ 36,900	$ 37,900
	England	Non-Performing Loans / Total Loans	170.00%	150.00%	150.00%	140.00%	120.00%	130.00%	170.00%	150.00%	130.00%
	England	Allowance / Total Loans	290.00%	290.00%	300.00%	300.00%	310.00%	320.00%	290.00%	290.00%	300.00%
	England	Allowance / Non-Performing Loans	345.00%	360.00%	355.00%	365.00%	370.00%	390.00%	390.00%	360.00%	390.00%
	England	Net Charge Offs / Average Total Loans	170.00%	140.00%	160.00%	160.00%	150.00%	140.00%	130.00%	160.00%	150.00%
	Scotland	Net Income	$ 3,330	$ 3,686	$ 3,818	$ 4,464	$ 4,794	$ 5,225	$ 5,376	$ 4,794	$ 5,225
	Scotland	Revenue	$ 13,005	$ 15,274	$ 15,875	$ 16,590	$ 18,319	$ 19,007	$ 24,008	$ 18,319	$ 19,007
	Scotland	Diluted Earnings Per Share	2.1	2.2	2.4	2.4	2.5	3.2	4.5	5.6	3.6
	Scotland	Dividends Per Share	0.7	0.8	0.9	1.0	0.7	0.8	0.9	1.0	1.1
	Scotland	Return on Assets	160.00%	1.7	160.00%	150.00%	350.00%	360.00%	425.00%	506.25%	607.81%
	Scotland	Return on Equity	2240.00%	22.5	2580.00%	2470.00%	2860.00%	2960.00%	3175.00%	2668.75%	2385.94%
	Scotland	Net Interest Margin	650.00%	6.6	730.00%	730.00%	940.00%	970.00%	987.50%	1000.00%	970.00%
	Scotland	Efficiency Ratio	1.6	1.7	1.8	1.9	1.9	1.9	2.1	2.4	2.2
	Scotland	Assets	$ 270,000	270,000.1	$ 240,000	$ 200,000	$ 295,000	$ 340,000	$ 387,500	$ 484,375	$ 605,469
	Scotland	Loans	$ 157,962	157,961.6	$ 129,450	$ 169,383	$ 176,450	$ 160,492	$ 200,615	$ 250,769	$ 313,461
	Scotland	Core Deposits	$ 146,826	146,825.6	$ 154,466	$ 137,450	$ 164,575	$ 152,959	$ 147,959	$ 153,562	$ 147,959
	Scotland	Stockholder's Equity	$ 14,375	14,375.1	$ 15,770	$ 16,350	$ 16,935	$ 17,450	$ 17,950	$ 18,450	$ 18,950
	Scotland	Non-Performing Loans / Total Loans	70.00%	0.8	50.00%	40.00%	220.00%	230.00%	270.00%	250.00%	230.00%
	Scotland	Allowance / Total Loans	190.00%	2.0	200.00%	200.00%	410.00%	420.00%	390.00%	390.00%	400.00%
	Scotland	Allowance / Non-Performing Loans	245.00%	2.6	255.00%	265.00%	470.00%	490.00%	490.00%	460.00%	490.00%
	Scotland	Net Charge Offs / Average Total Loans	70.00%	0.8	60.00%	60.00%	250.00%	240.00%	230.00%	260.00%	250.00%
	Wales	Net Income	$ 8,140	$ 8,910	$ 9,130	$ 16,560	$ 11,220	$ 12,100	$ 12,320	$ 12,760	$ 13,530
	Wales	Revenue	$ 31,790	$ 36,926	$ 37,962	$ 39,246	$ 42,874	$ 55,015	$ 55,019	$ 61,774	$ 85,968
	Wales	Diluted Earnings Per Share	4.1	4.2	4.4	4.4	4.5	4.6	5.5	6.6	8.0
	Wales	Dividends Per Share	2.0	2.1	2.2	2.5	2.2	2.3	2.6	3.0	3.5
	Wales	Return on Assets	360.00%	340.00%	360.00%	350.00%	350.00%	360.00%	425.00%	506.25%	607.81%
	Wales	Return on Equity	2440.00%	2370.00%	2780.00%	2670.00%	2860.00%	2960.00%	3175.00%	2668.75%	2385.94%
	Wales	Net Interest Margin	850.00%	880.00%	930.00%	930.00%	940.00%	970.00%	987.50%	1000.00%	970.00%
	Wales	Efficiency Ratio	1.8	1.9	1.9	1.9	1.8	1.9	2.1	2.4	2.7
	Wales	Assets	$ 396,000	$ 418,500	$ 432,000	$ 468,000	$ 495,000	$ 558,000	$ 697,500	$ 871,875	$ 1,089,844
	Wales	Loans	$ 230,331	$ 241,110	$ 251,010	$ 251,010	$ 251,010	$ 288,886	$ 361,107	$ 451,384	$ 564,230
	Wales	Core Deposits	$ 228,286	$ 236,601	$ 242,038	$ 247,410	$ 247,410	$ 247,410	$ 284,326	$ 276,411	$ 302,326
	Wales	Stockholder's Equity	$ 25,875	$ 21,720	$ 28,386	$ 29,430	$ 20,483	$ 21,410	$ 32,310	$ 33,210	$ 34,110
	Wales	Non-Performing Loans / Total Loans	70.00%	50.00%	50.00%	40.00%	20.00%	30.00%	70.00%	50.00%	30.00%
	Wales	Allowance / Total Loans	190.00%	190.00%	250.00%	300.00%	210.00%	220.00%	190.00%	190.00%	200.00%
	Wales	Allowance / Non-Performing Loans	245.00%	260.00%	300.00%	300.00%	300.00%	290.00%	290.00%	260.00%	290.00%
	Wales	Net Charge Offs / Average Total Loans	70.00%	40.00%	100.00%	110.00%	200.00%	40.00%	30.00%	60.00%	50.00%
	Northern Ireland	Net Income	$ 7,400	$ 8,100	$ 8,300	$ 9,600	$ 10,200	$ 11,000	$ 11,200	$ 11,600	$ 12,300
	Northern Ireland	Revenue	$ 28,900	$ 33,569	$ 34,511	$ 35,678	$ 38,976	$ 40,014	$ 50,018	$ 62,522	$ 78,152
	Northern Ireland	Diluted Earnings Per Share	2.1	2.2	2.4	2.4	2.5	2.6	3.5	4.6	6.0
	Northern Ireland	Dividends Per Share	1.0	0.5	0.5	0.5	0.5	0.3	0.6	1.0	1.5
	Northern Ireland	Return on Assets	160.00%	140.00%	160.00%	150.00%	150.00%	160.00%	225.00%	306.25%	407.81%
	Northern Ireland	Return on Equity	2240.00%	2170.00%	2580.00%	2970.00%	2970.00%	2970.00%	2975.00%	2468.75%	2185.94%
	Northern Ireland	Net Interest Margin	650.00%	680.00%	730.00%	730.00%	740.00%	770.00%	787.50%	800.00%	770.00%
	Northern Ireland	Efficiency Ratio	0.8	0.9	0.9	0.9	0.8	0.9	1.1	1.4	1.7
	Northern Ireland	Assets	$ 118,800	$ 126,945	$ 132,480	$ 238,080	$ 155,100	$ 176,700	$ 223,200	$ 281,906	$ 356,016
	Northern Ireland	Loans	$ 76,777	$ 80,370	$ 83,670	$ 80,630	$ 93,870	$ 96,295	$ 120,369	$ 150,461	$ 188,077
	Northern Ireland	Core Deposits	$ 228,286	$ 236,601	$ 242,038	$ 247,410	$ 247,410	$ 247,410	$ 284,326	$ 276,411	$ 302,326
	Northern Ireland	Stockholder's Equity	$ 8,625	$ 9,240	$ 9,462	$ 9,810	$ 10,161	$ 10,470	$ 10,770	$ 11,070	$ 11,370
	Northern Ireland	Non-Performing Loans / Total Loans	70.00%	50.00%	50.00%	40.00%	20.00%	30.00%	70.00%	50.00%	30.00%
	Northern Ireland	Allowance / Total Loans	190.00%	190.00%	200.00%	200.00%	210.00%	220.00%	190.00%	190.00%	200.00%
	Northern Ireland	Allowance / Non-Performing Loans	245.00%	260.00%	255.00%	265.00%	270.00%	290.00%	290.00%	260.00%	290.00%
	Northern Ireland	Net Charge Offs / Average Total Loans	200.00%	140.00%	300.00%	200.00%	300.00%	200.00%	250.00%	160.00%	150.00%Plan
	Region	Activity	FY 12	FY 13	FY 14	FY 15	FY 16	FY 17	FY 18	FY 19	FY 20
	England	Net Income	$ 7,760	$ 8,165	$ 8,785	$ 9,941	$ 10,396	$ 9,595	$ 10,659	$ 10,674	$ 10,091
	England	Revenue	$ 28,322	$ 32,562	$ 32,785	$ 34,608	$ 37,807	$ 39,214	$ 40,197	$ 41,671	$ 46,708
	England	Diluted Earnings Per Share	2.9	3.1	3.2	3.3	3.3	3.5	4.3	5.5	6.7
	England	Dividends Per Share	1.0	1.0	1.1	1.2	1.2	1.2	1.6	2.0	2.4
	England	Return on Assets	280.28%	251.14%	254.41%	258.88%	257.25%	275.42%	333.45%	402.11%	542.45%
	England	Return on Equity	2316.60%	2156.50%	2653.20%	2544.30%	2732.40%	2745.60%	3013.50%	2543.06%	2240.22%
	England	Net Interest Margin	712.50%	764.40%	796.80%	805.10%	831.60%	861.30%	878.63%	864.00%	835.20%
	England	Efficiency Ratio	0.8	0.9	0.8	0.8	0.8	0.8	1.1	1.3	1.7
	England	Assets	$ 466,092	$ 506,385	$ 512,160	$ 539,136	$ 564,300	$ 619,938	$ 661,298	$ 704,899	$ 648,420
	England	Loans	$ 253,364	$ 259,863	$ 267,744	$ 289,802	$ 300,384	$ 304,935	$ 286,169	$ 283,827	$ 320,383
	England	Core Deposits	$ 243,505	$ 260,261	$ 266,242	$ 272,151	$ 280,476	$ 299,800	$ 306,440	$ 291,767	$ 322,481
	England	Stockholder's Equity	$ 27,313	$ 30,492	$ 31,225	$ 32,373	$ 32,854	$ 34,202	$ 35,182	$ 35,424	$ 36,005
	England	Non-Performing Loans / Total Loans	168.30%	142.50%	144.00%	138.60%	114.00%	127.40%	161.50%	147.00%	124.80%
	England	Allowance / Total Loans	287.10%	287.10%	294.00%	294.00%	306.90%	304.00%	281.30%	287.10%	288.00%
	England	Allowance / Non-Performing Loans	372.29%	355.68%	351.24%	375.59%	376.51%	408.95%	401.54%	359.10%	404.35%
	England	Net Charge Offs / Average Total Loans	161.50%	137.20%	152.00%	155.20%	142.50%	133.00%	128.70%	152.00%	148.50%
			0	0	0	0	0	0	0	0	0
	Scotland	Net Income	$ 3,297	$ 3,575	$ 3,780	$ 4,330	$ 4,554	$ 5,068	$ 5,107	$ 4,602	$ 5,068
	Scotland	Revenue	$ 12,984	$ 16,180	$ 16,802	$ 17,410	$ 19,405	$ 19,358	$ 23,764	$ 17,925	$ 19,185
	Scotland	Diluted Earnings Per Share	2.1	2.1	2.3	2.3	2.4	3.0	4.5	5.6	3.5
	Scotland	Dividends Per Share	0.7	0.8	0.9	1.0	0.7	0.8	0.9	1.0	1.1
	Scotland	Return on Assets	158.40%	1.7	152.00%	148.50%	336.00%	345.60%	412.25%	486.00%	577.42%
	Scotland	Return on Equity	2150.40%	21.6	2502.60%	2395.90%	2831.40%	2871.20%	3143.25%	2588.69%	2266.64%
	Scotland	Net Interest Margin	643.50%	6.5	693.50%	722.70%	930.60%	940.90%	948.00%	950.00%	940.90%
	Scotland	Efficiency Ratio	1.6	1.7	1.8	1.9	1.8	1.8	2.0	2.3	2.2
	Scotland	Assets	$ 261,900	264,600.1	$ 230,400	$ 194,000	$ 286,150	$ 333,200	$ 372,000	$ 479,531	$ 599,414
	Scotland	Loans	$ 156,382	153,222.8	$ 128,156	$ 160,913	$ 167,628	$ 157,282	$ 190,584	$ 238,230	$ 297,788
	Scotland	Core Deposits	$ 156,663	146,590.7	$ 158,482	$ 148,171	$ 168,854	$ 155,896	$ 147,944	$ 153,500	$ 156,600
	Scotland	Stockholder's Equity	$ 13,944	13,800.1	$ 15,612	$ 16,187	$ 16,258	$ 16,752	$ 17,771	$ 17,528	$ 18,003
	Scotland	Non-Performing Loans / Total Loans	67.90%	0.8	47.50%	38.80%	215.60%	227.70%	259.20%	245.00%	220.80%
	Scotland	Allowance / Total Loans	186.20%	2.0	192.00%	198.00%	397.70%	411.60%	386.10%	374.40%	392.00%
	Scotland	Allowance / Non-Performing Loans	239.90%	2.5	261.63%	277.88%	483.25%	513.32%	504.21%	454.48%	470.16%
	Scotland	Net Charge Offs / Average Total Loans	68.60%	0.8	57.00%	57.60%	240.00%	232.80%	223.10%	252.20%	245.00%
			0	0	0	0	0	0	0	0	0
	Wales	Net Income	$ 8,059	$ 8,643	$ 8,856	$ 16,063	$ 10,883	$ 11,858	$ 11,950	$ 12,122	$ 12,854
	Wales	Revenue	$ 30,836	$ 35,080	$ 36,823	$ 38,461	$ 42,016	$ 52,265	$ 52,818	$ 59,303	$ 83,389
	Wales	Diluted Earnings Per Share	4.0	4.1	4.3	4.2	4.4	4.4	5.4	6.6	7.7
	Wales	Dividends Per Share	1.9	2.0	2.3	2.4	2.3	2.4	2.6	3.1	3.7
	Wales	Return on Assets	345.60%	333.20%	342.00%	339.50%	336.00%	349.20%	412.25%	486.00%	589.58%
	Wales	Return on Equity	2318.00%	2275.20%	2696.60%	2643.30%	2802.80%	2900.80%	3079.75%	2535.31%	2290.50%
	Wales	Net Interest Margin	906.95%	853.25%	929.63%	938.18%	992.64%	958.36%	1014.36%	1067.00%	940.51%
	Wales	Efficiency Ratio	1.8	1.9	1.8	1.8	1.8	1.9	2.1	2.4	2.7
	Wales	Assets	$ 376,200	$ 410,130	$ 410,400	$ 449,280	$ 480,150	$ 541,260	$ 676,575	$ 845,719	$ 1,035,352
	Wales	Loans	$ 223,421	$ 236,288	$ 240,970	$ 245,990	$ 248,500	$ 285,997	$ 353,885	$ 446,870	$ 536,018
	Wales	Core Deposits	$ 223,720	$ 234,235	$ 229,936	$ 244,936	$ 235,040	$ 242,462	$ 272,953	$ 262,590	$ 293,256
	Wales	Stockholder's Equity	$ 26,641	$ 21,279	$ 30,631	$ 30,260	$ 20,844	$ 22,680	$ 34,197	$ 32,858	$ 35,795
	Wales	Non-Performing Loans / Total Loans	66.50%	47.50%	48.50%	38.40%	19.00%	28.50%	66.50%	48.00%	29.70%
	Wales	Allowance / Total Loans	188.10%	182.40%	237.50%	297.00%	201.60%	215.60%	182.40%	182.40%	198.00%
	Wales	Allowance / Non-Performing Loans	235.20%	254.80%	291.00%	288.00%	285.00%	275.50%	284.20%	249.60%	287.10%
	Wales	Net Charge Offs / Average Total Loans	66.50%	38.40%	97.00%	106.70%	198.00%	39.20%	28.50%	57.60%	48.50%
			0	0	0	0	0	0	0	0	0
	Northern Ireland	Net Income	$ 7,252	$ 7,695	$ 7,885	$ 9,120	$ 10,098	$ 10,890	$ 10,752	$ 11,020	$ 11,931
	Northern Ireland	Revenue	$ 28,033	$ 33,233	$ 33,476	$ 34,251	$ 38,196	$ 39,614	$ 49,017	$ 61,271	$ 75,026
	Northern Ireland	Diluted Earnings Per Share	2.2	2.2	2.3	2.4	2.6	2.5	3.7	4.6	6.0
	Northern Ireland	Dividends Per Share	1.0	0.5	0.5	0.5	0.5	0.3	0.6	1.0	1.5
	Northern Ireland	Return on Assets	156.80%	134.40%	155.20%	147.00%	142.50%	152.00%	220.50%	290.94%	403.73%
	Northern Ireland	Return on Equity	2128.00%	2061.50%	2554.20%	2910.60%	2821.50%	2880.90%	2826.25%	2394.69%	2120.36%
	Northern Ireland	Net Interest Margin	630.50%	659.60%	693.50%	708.10%	703.00%	754.60%	771.75%	768.00%	762.30%
	Northern Ireland	Efficiency Ratio	0.8	0.9	0.8	0.8	0.8	0.8	1.1	1.3	1.7
	Northern Ireland	Assets	$ 120,760	$ 132,658	$ 136,083	$ 259,269	$ 156,186	$ 176,417	$ 226,883	$ 281,201	$ 359,149
	Northern Ireland	Loans	$ 73,706	$ 78,763	$ 82,833	$ 77,404	$ 91,993	$ 95,332	$ 114,351	$ 147,452	$ 186,196
	Northern Ireland	Core Deposits	$ 216,872	$ 227,137	$ 237,197	$ 237,514	$ 242,462	$ 237,514	$ 270,110	$ 273,647	$ 299,303
	Northern Ireland	Stockholder's Equity	$ 8,194	$ 9,148	$ 9,367	$ 9,712	$ 9,755	$ 10,051	$ 10,232	$ 10,627	$ 10,802
	Northern Ireland	Non-Performing Loans / Total Loans	66.50%	49.00%	47.50%	38.40%	19.60%	28.50%	67.90%	49.00%	29.10%
	Northern Ireland	Allowance / Total Loans	196.75%	205.03%	199.92%	213.84%	222.03%	222.16%	184.22%	187.99%	201.60%
	Northern Ireland	Allowance / Non-Performing Loans	237.65%	249.60%	249.90%	251.75%	261.90%	284.20%	284.20%	247.00%	284.20%
	Northern Ireland	Net Charge Offs / Average Total Loans	194.00%	133.00%	285.00%	192.00%	297.00%	198.00%	240.00%	155.20%	144.00%
Cust
	Satisfaction	States	PY	CY
	Customer	England	0.87	0.83
	Customer	Scotland	0.8	0.85
	Customer	Wales	0.88	0.92
	Customer	Northern Ireland	0.83	0.81
Hires
	Type	State	FY 10	FY 11	FY 12	FY 13	FY 14	FY 15	FY 16	FY 17	FY 18	FY 19	FY 20
	Termination	England	-416.16	-234.78	-612	-511	-408	-301	-354	-102	-408	-102	-321
	New Hires	England	599.76	264.48	408	514	612	232	387	418	714	517	411
	Termination	Scotland	-313.04	-189.72	-816	-301	-301	-204	-354	-204	-612	-102	-102
	New Hires	Scotland	278.88	220.9	612	714	332	235	519	412	1020	1122	714
	Termination	Wales	-233.22	-357.12	-714	-312	-299	-288	-204	-354	-354	-102	-102
	New Hires	Wales	473.28	705.18	455	1122	408	511	432	612	918	1428	714
	Termination	Northern Ireland	-534.48	-240.8	-408	-301	-408	-301	-298	-300	-204	-102	-204
	New Hires	Northern Ireland	369.74	257.52	408	1122	278	232	333	816	714	530	714
Sick
	Avg Sick Days	Country	Jul	Aug	Sep	Oct	Nov	Dec	Jan	Feb	Mar	Apr	May	Jun
	CY	England	7.76	9.79	7.48	10.35	9.33	9.98	8.50	10.35	8.69	7.95	8.418.78
	CY	Scotland	7.70	8.91	6.58	8.99	8.91	9.07	7.63	8.91	6.66	6.50	8.27	8.59
	CY	Wales	5.93	6.51	6.94	6.51	7.01	5.93	7.79	5.79	7.79	5.79	6.94	6.79
	CY	Northern Ireland	8.27	9.33	8.36	8.80	9.68	9.94	9.42	10.03	7.13	10.47	10.56	7.04
	PY	England	6.56	8.28	6.26	8.47	7.30	7.35	6.26	7.53	6.63	5.92	6.65	7.58
	PY	Scotland	7.20	7.37	6.46	7.69	7.70	7.75	6.24	8.75	5.57	5.74	6.77	7.50
	PY	Wales	4.64	5.03	5.49	5.56	5.92	5.13	6.02	4.26	6.23	4.84	5.99	5.62
	PY	Northern Ireland	7.22	8.90	8.44	7.76	10.30	9.31	9.07	9.30	6.16	9.14	8.64	6.02
FTE
	Region	Metric	Year	Type	Data
	England	FTEs	Prior Yr	Actual	5,218
	England	FTEs	Prior Yr	Plan	5,098
	England	FTEs	Cur Yr	Actual	6,942
	England	FTEs	Cur Yr	Plan	6,973
	England	FTEs	Cur Yr	Forecast	6,673
	Scotland	FTEs	Prior Yr	Actual	1,722
	Scotland	FTEs	Prior Yr	Plan	1,682
	Scotland	FTEs	Cur Yr	Actual	2,291
	Scotland	FTEs	Cur Yr	Plan	2,200
	Scotland	FTEs	Cur Yr	Forecast	2,202
	Wales	FTEs	Prior Yr	Actual	1,148
	Wales	FTEs	Prior Yr	Plan	1,122
	Wales	FTEs	Cur Yr	Actual	1,527
	Wales	FTEs	Cur Yr	Plan	1,470
	Wales	FTEs	Cur Yr	Forecast	1,468
	Northern Ireland	FTEs	Prior Yr	Actual	582
	Northern Ireland	FTEs	Prior Yr	Plan	510
	Northern Ireland	FTEs	Cur Yr	Actual	694
	Northern Ireland	FTEs	Cur Yr	Plan	550
	Northern Ireland	FTEs	Cur Yr	Forecast	607
General
	Region	Operation	% Result
	England	Home Loans	12%
	England	Credit Cards	25%
	England	Houshold Lending	4%
	England	Other Bank Income	2%
	England	Retail Deposits	6%
	England	Business Lending	18%
	England	Asset Finance	20%
	England	Equities Trading	10%
	England	FX Trading	3%
	Scotland	Home Loans	18%
	Scotland	Credit Cards	22%
	Scotland	Houshold Lending	6%
	Scotland	Other Bank Income	1%
	Scotland	Retail Deposits	4%
	Scotland	Business Lending	12%
	Scotland	Asset Finance	15%
	Scotland	Equities Trading	14%
	Scotland	FX Trading	8%
	Wales	Home Loans	22%
	Wales	Credit Cards	30%
	Wales	Houshold Lending	8%
	Wales	Other Bank Income	1%
	Wales	Retail Deposits	3%
	Wales	Business Lending	6%
	Wales	Asset Finance	10%
	Wales	Equities Trading	12%
	Wales	FX Trading	8%
	Northern Ireland	Home Loans	27%
	Northern Ireland	Credit Cards	20%
	Northern Ireland	Houshold Lending	7%
	Northern Ireland	Other Bank Income	3%
	Northern Ireland	Retail Deposits	3%
	Northern Ireland	Business Lending	6%
	Northern Ireland	Asset Finance	14%
	Northern Ireland	Equities Trading	10%
	Northern Ireland	FX Trading	10%
Other
	Region	Activity	Current Mth
	England	Interest Income	$ 166.67
	England	Funds Mgt Income	$ 333.33
	England	Insurance Income	$ 250.00
	England	Other Bank Income	$ 83.33
	England	Net Income	$ 833.33
	England	Operational Expenses	$ 416.67
	England	Loan Imparement Expenses	$ 104.17
	England	Net Expenses	$ 520.83
	England	Net Profit	$ 312.50
	Scotland	Interest Income	$ 87.08
	Scotland	Funds Mgt Income	$ 174.17
	Scotland	Insurance Income	$ 130.63
	Scotland	Other Bank Income	$ 43.54
	Scotland	Net Income	$ 435.42
	Scotland	Operational Expenses	$ 217.71
	Scotland	Loan Imparement Expenses	$ 54.43
	Scotland	Net Expenses	$ 272.14
	Scotland	Net Profit	$ 163.28
	Wales	Interest Income	$ 201.67
	Wales	Funds Mgt Income	$ 403.33
	Wales	Insurance Income	$ 302.50
	Wales	Other Bank Income	$ 100.83
	Wales	Net Income	$ 1,008.33
	Wales	Operational Expenses	$ 504.17
	Wales	Loan Imparement Expenses	$ 126.04
	Wales	Net Expenses	$ 630.21
	Wales	Net Profit	$ 378.13
	Northern Ireland	Interest Income	$ 183.33
	Northern Ireland	Funds Mgt Income	$ 366.67
	Northern Ireland	Insurance Income	$ 275.00
	Northern Ireland	Other Bank Income	$ 91.67
	Northern Ireland	Net Income	$ 916.67
	Northern Ireland	Operational Expenses	$ 458.33
	Northern Ireland	Loan Imparement Expenses	$ 114.58
	Northern Ireland	Net Expenses	$ 572.92
	Northern Ireland	Net Profit	$ 343.75
Calcs
	Graph Data	FY 12	FY 13	FY 14	FY 15	FY 16	FY 17
	Net Interest Margin	7.5	7.8	8.3	8.3	8.4	8.7
	Plan	7.1	7.6	8.0	8.1	8.3	8.6
	England	FY 12	FY 13	FY 14	FY 15	FY 16	FY 17	FY 18	FY 19	FY 20
	Net Income	$ 7,400	$ 8,100	$ 8,300	$ 9,600	$ 10,200	$ 10,000	$ 10,200	$ 10,600	$ 10,300
	Revenue	$ 28,900	$ 33,569	$ 34,511	$ 35,678	$ 38,976	$ 40,014	$ 41,018	$ 42,522	$ 48,152
	Diluted Earnings Per Share	3.1	3.2	3.4	3.4	3.5	3.6	4.5	5.6	7.0
	Dividends Per Share	1.0	1.1	1.1	1.2	1.2	1.3	1.6	2.0	2.5
	Return on Assets	260.00%	240.00%	260.00%	250.00%	250.00%	260.00%	325.00%	406.25%	507.81%
	Return on Equity	2340.00%	2270.00%	2680.00%	2570.00%	2760.00%	2860.00%	3075.00%	2568.75%	2285.94%
	Net Interest Margin	750.00%	780.00%	830.00%	830.00%	840.00%	870.00%	887.50%	900.00%	870.00%
	Efficiency Ratio	0.8	0.9	0.9	0.9	0.8	0.9	1.1	1.4	1.7
	Assets	$ 440,000	$ 465,000	$ 480,000	$ 520,000	$ 550,000	$ 620,000	$ 675,000	$ 698,750	$ 668,750
	Loans	$ 255,923	$ 267,900	$ 278,900	$ 298,765	$ 312,900	$ 320,984	$ 301,230	$ 298,765	$ 326,922
	Core Deposits	$ 253,651	$ 262,890	$ 268,931	$ 274,900	$ 289,150	$ 305,918	$ 315,918	$ 307,123	$ 335,918
	Stockholder's Equity	$ 28,750	$ 30,800	$ 31,540	$ 32,700	$ 33,870	$ 34,900	$ 35,900	$ 36,900	$ 37,900
	Non-Performing Loans / Total Loans	170.00%	150.00%	150.00%	140.00%	120.00%	130.00%	170.00%	150.00%	130.00%
	Allowance / Total Loans	290.00%	290.00%	300.00%	300.00%	310.00%	320.00%	290.00%	290.00%	300.00%
	Allowance / Non-Performing Loans	345.00%	360.00%	355.00%	365.00%	370.00%	390.00%	390.00%	360.00%	390.00%
	Net Charge Offs / Average Total Loans	170.00%	140.00%	160.00%	160.00%	150.00%	140.00%	130.00%	160.00%	150.00%
	Chart	FY 12	FY 13	FY 14	FY 15	FY 16	FY 17
	Net Income	$ 7,400	$ 8,100	$ 8,300	$ 9,600	$ 10,200	$ 10,000
	Revenue	$ 28,900	$ 33,569	$ 34,511	$ 35,678	$ 38,976	$ 40,014
	Diluted Earnings Per Share	3.1	3.2	3.4	3.4	3.5	3.6
	Dividends Per Share	1.0	1.1	1.1	1.2	1.2	1.3
	Return on Assets	260.00%	240.00%	260.00%	250.00%	250.00%	260.00%
	Return on Equity	2340.00%	2270.00%	2680.00%	2570.00%	2760.00%	2860.00%
	Net Interest Margin	750.00%	780.00%	830.00%	830.00%	840.00%	870.00%
	Efficiency Ratio	0.8	0.9	0.9	0.9	0.8	0.9
	Assets	$ 440,000	$ 465,000	$ 480,000	$ 520,000	$ 550,000	$ 620,000
	Loans	$ 255,923	$ 267,900	$ 278,900	$ 298,765	$ 312,900	$ 320,984
	Core Deposits	$ 253,651	$ 262,890	$ 268,931	$ 274,900	$ 289,150	$ 305,918
	Stockholder's Equity	$ 28,750	$ 30,800	$ 31,540	$ 32,700	$ 33,870	$ 34,900
	Non-Performing Loans / Total Loans	170.00%	150.00%	150.00%	140.00%	120.00%	130.00%
	Allowance / Total Loans	290.00%	290.00%	300.00%	300.00%	310.00%	320.00%
	Allowance / Non-Performing Loans	345.00%	360.00%	355.00%	365.00%	370.00%	390.00%
	Net Charge Offs / Average Total Loans	170.00%	140.00%	160.00%	160.00%	150.00%	140.00%
	Hires and Terminations	FY 10	FY 11	FY 12	FY 13	FY 14	FY 15	FY 16	FY 17
	New Hires	599.76	264.48	408	514	612	232	387	418
	Termination	-416.16	-234.78	-612	-511	-408	-301	-354	-102
	Other Metrics	Current Mth
	Interest Income	166.7
	Funds Mgt Income	333.3
	Insurance Income	250.0
	Other Bank Income	83.3
	Net Income	833.3
	Operational Expenses	416.7
	Loan Imparement Expenses	104.2
	Net Expenses	520.8
	Net Profit	312.5
	FTEs	Measure	Current Mth
	Actual	Prior Yr	5,218
	Plan	Prior Yr	5,098
	Actual	Cur Yr	6,942
	Plan	Cur Yr	6,973
	Forecast	Cur Yr	6,673
	% of Revenue	%
	Home Loans	12%
	Credit Cards	25%
	Houshold Lending	4%
	Other Bank Income	2%
	Retail Deposits	6%
	Business Lending	18%
	Asset Finance	20%
	Equities Trading	10%
	FX Trading	3%
	Satisfaction	States	PY	PY Gap	CY	CY Gap
	Customer	England	87%	13%	83%	17%
	Avg Sick Days	Country	Jul	Aug	Sep	Oct	Nov	Dec	Jan	Feb	Mar	Apr	May	Jun
	CY	England	7.76	9.79	7.48	10.35	9.33	9.98	8.50	10.35	8.69	7.95	8.41	8.78
	PY	England	6.56	8.28	6.26	8.47	7.30	7.35	6.26	7.53	6.63	5.92	6.65	7.58
Check
		England	FY 12	FY 13	FY 14	FY 15	FY 16	FY 17	FY 18	FY 19	FY 20		Check
		Net Income	$ 7,400	$ 8,100	$ 8,300	$ 9,600	$ 10,200	$ 10,000	$ 10,200	$ 10,600	$ 10,300
		Revenue	$ 28,900	$ 33,569	$ 34,511$ 35,678	$ 38,976	$ 40,014	$ 41,018	$ 42,522	$ 48,152
		Diluted Earnings Per Share	3.1	3.2	3.4	3.4	3.5	3.6	4.5	5.6	7.0
		Dividends Per Share	1.0	1.1	1.1	1.2	1.2	1.3	1.6	2.0	2.5
		Return on Assets	260.00%	240.00%	260.00%	250.00%	250.00%	260.00%	325.00%	406.25%	507.81%
		Return on Equity	2340.00%	2270.00%	2680.00%	2570.00%	2760.00%	2860.00%	3075.00%	2568.75%	2285.94%
		Net Interest Margin	750.00%	780.00%	830.00%	830.00%	840.00%	870.00%	887.50%	900.00%	870.00%
		Efficiency Ratio	0.8	0.9	0.9	0.9	0.8	0.9	1.1	1.4	1.7
		Assets	$ 440,000	$ 465,000	$ 480,000	$ 520,000	$ 550,000	$ 620,000	$ 675,000	$ 698,750	$ 668,750
		Loans	$ 255,923	$ 267,900	$ 278,900	$ 298,765	$ 312,900	$ 320,984	$ 301,230	$ 298,765	$ 326,922
		Core Deposits	$ 253,651	$ 262,890	$ 268,931	$ 274,900	$ 289,150	$ 305,918	$ 315,918	$ 307,123	$ 335,918
		Stockholder's Equity	$ 28,750	$ 30,800	$ 31,540	$ 32,700	$ 33,870	$ 34,900	$ 35,900	$ 36,900	$ 37,900
		Non-Performing Loans / Total Loans	170.00%	150.00%	150.00%	140.00%	120.00%	130.00%	170.00%	150.00%	130.00%
		Allowance / Total Loans	290.00%	290.00%	300.00%	300.00%	310.00%	320.00%	290.00%	290.00%	300.00%
		Allowance / Non-Performing Loans	345.00%	360.00%	355.00%	365.00%	370.00%	390.00%	390.00%	360.00%	390.00%
		Net Charge Offs / Average Total Loans	170.00%	140.00%	160.00%	160.00%	150.00%	140.00%	130.00%	160.00%	150.00%
		Check	$ 1,014,672	$ 1,068,306	$ 1,102,235	$ 1,171,695	$ 1,235,150	$ 1,331,871	$ 1,379,325	$ 1,394,717	$ 1,428,000
		Total Check	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0		- 0
		Metric	CM Data	Check									Check
		Interest Income	166.6666666667	0
		Funds Mgt Income	333.3333333333	0
		Insurance Income	250	0
		Other Bank Income	83.3333333333	0
		Net Income	833.3333333333	0
		Operational Expenses	416.6666666667	0
		Loan Imparement Expenses	104.1666666667	0
		Net Expenses	520.8333333333	0
		Net Profit	312.5	0
		Check		0									- 0
		Hires and Terminations	FY 10	FY 11	FY 12	FY 13	FY 14	FY 15	FY 16	FY 17			Check
		New Hires	599.76	264.48	408	514	612	232	387	418
		Termination	-416.16	-234.78	-612	-511	-408	-301	-354	-102
		Check	0	0	0	0	0	0	0	0			- 0
		Check Totals		Model OK									0
Summary
		1
					 Financial Measure					FY 12	FY 13	FY 14	FY 15	FY 16	FY 17			Hires and Terminations
					Net Income					$ 7,400	$ 8,100	$ 8,300	$ 9,600	$ 10,200	$ 10,000
		Home Loans		12%	Revenue					$ 28,900	$ 33,569	$ 34,511	$ 35,678	$ 38,976	$ 40,014
		Credit Cards		25%	Diluted Earnings Per Share					3.1	3.2	3.4	3.4	3.5	3.6
		Houshold Lending		4%	Dividends Per Share					1.0	1.1	1.1	1.2	1.2	1.3
		Other Bank Income		2%	Return on Assets					260.00%	240.00%	260.00%	250.00%	250.00%	260.00%
		Retail Deposits		6%	Return on Equity					2340.00%	2270.00%	2680.00%	2570.00%	2760.00%	2860.00%
		Business Lending		18%	Net Interest Margin					750.00%	780.00%	830.00%	830.00%	840.00%	870.00%
		Asset Finance		20%	Efficiency Ratio					0.8	0.9	0.9	0.9	0.8	0.9
		Equities Trading		10%	Assets					$ 440,000	$ 465,000	$ 480,000	$ 520,000	$ 550,000	$ 620,000
		FX Trading		3%	Loans					$ 255,923	$ 267,900	$ 278,900	$ 298,765	$ 312,900	$ 320,984
					Core Deposits					$ 253,651	$ 262,890	$ 268,931	$ 274,900	$ 289,150	$ 305,918
					Stockholder's Equity					$ 28,750	$ 30,800	$ 31,540	$ 32,700	$ 33,870	$ 34,900
					Non-Performing Loans / Total Loans					170.00%	150.00%	150.00%	140.00%	120.00%	130.00%
					Allowance / Total Loans					290.00%	290.00%	300.00%	300.00%	310.00%	320.00%
					Allowance / Non-Performing Loans					345.00%	360.00%	355.00%	365.00%	370.00%	390.00%
					Net Charge Offs / Average Total Loans					170.00%	140.00%	160.00%	160.00%	150.00%	140.00%
					Customer Satisfaction							Net Interest Margin Trend								Absence CY v PY
		Interest Income		167
		Funds Mgt Income		333
		Insurance Income		250
		Other Bank Income		83
		Net Income		833
		Operational Expenses		417
		Loan Imparement Expenses		104
		Net Expenses		521
		Net Profit		313
		Model Check		Model OK
New Hires	FY 10	FY 11	FY 12	FY 13	FY 14	FY 15	FY 16	FY 17	599.76	264.47999999999996	408	514	612	232	387	418	Termination	FY 10	FY 11	FY 12	FY 13	FY 14	FY 15	FY 16	FY 17	-416.16	-234.78	-612	-511	-408	-301	-354	-102	
0.87	0.13	0.83	0.17000000000000004	CY	Jul	Aug	Sep	Oct	Nov	Dec	Jan	Feb	Mar	Apr	May	Jun	7.7616000000000005	9.7944000000000031	7.4844000000000017	10.348800000000002	9.3324000000000016	9.9792000000000023	8.5008000000000017	10.348800000000002	8.6856000000000009	7.9464000000000006	8.4084000000000021	8.7780000000000005	PY	Jul	Aug	Sep	Oct	Nov	Dec	Jan	Feb	Mar	Apr	May	Jun	6.5620800000000008	8.2807200000000023	6.2596800000000012	8.4672000000000018	7.2962400000000001	7.3483200000000011	6.2596800000000012	7.5264000000000015	6.6326399999999994	5.9236800000000001	6.6502800000000004	7.5809999999999995	
FY 12	FY 13	FY 14	FY 15	FY 16	FY 17	7.5	7.8	8.3000000000000007	8.3000000000000007	8.4	8.6999999999999993	Plan	FY 12	FY 13	FY 14	FY 15	FY 16	FY 17	7.125	7.6440000000000001	7.9680000000000009	8.0510000000000002	8.3160000000000007	8.6129999999999995	
Prior Yr	Prior Yr	Cur Yr	Cur Yr	Cur Yr	5217.7951525493299	5098.3368102676704	6942.3236953118912	6973.1981852567769	6673.1981852567797	
Monthly Highlights
Banking Highlights
Market Share
Prior Yr
FTEs
Forecast
Current Yr
Act
Bud
Fct
83%
87%
CY
PY
Net Income
Revenue
Diluted Earnings Per Share
Dividends Per Share
Return on Assets
Return on Equity
Net Interest Margin
Efficiency Ratio
Assets
Loans
Core Deposits
Stockholder's Equity
Non-Performing Loans / Total Loans
Allowance / Total Loans
Allowance / Non-Performing Loans
Net Charge Offs / Average Total Loan
Net Income
Revenue
Diluted Earnings Per Share
Dividends Per Share
Return on Assets
Return on Equity
Net Interest Margin
Efficiency Ratio
Assets
Loans
Core Deposits
Stockholder's Equity
Non-Performing Loans / Total Loans
Allowance / Total Loans
Allowance / Non-Performing Loans
Net Charge Offs / Average Total Loan