Presentation of information

In order to provide a more comparable representation of underlying business performance in certain commentaries in the Overview and Business Review, insurance and policyholder interests volatility have been separately analysed for the Group’s insurance businesses. Further information on these items is shown in the Volatility section. In addition, a provision in respect of certain historic US dollar payments, a provision in respect of the Financial Services Compensation Scheme levy and goodwill impairment in 2008, and the profit on the sale of businesses, the results of discontinued businesses and the settlement of overdraft claims in 2007 have been separately analysed in the Group’s results. A reconciliation of this continuing businesses basis of presentation to the statutory profit is shown in the Summary of Group Results section. Certain commentaries also separately analyse the impact of market dislocation from the results for both years.