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The Family Resources Survey data for 2006-07, published in June last year, show that the number of adults with a basic bank account was around 2.5 million and that the overall number of adults with access to a bank account was 44.6 million. The data also show that the number of adults without access to a bank account fell from 2.8 million in 2002-03 to 2.1 million in 2006-07.
The Financial Inclusion Taskforce recently published its third annual report on access to banking. The report contains profiles of the number of people in the UK without access to a bank account, including commentary and figures for the take up of basic bank accounts. The report is on the Taskforce's website:
Philip Davies: To ask the Chancellor of the Exchequer what UK Financial Investments role in the preparation of the most recent Bradford and Bingley Business Plan was; and if he will make a statement. 
Mr. Timms: As set out in the Shareholder Relationship Framework Document which governs the relationship between Bradford and Bingley and HM Treasury as shareholder, HM Treasury designed the high level objectives that the Business Plan is designed to achieve and agreed the Business Plan with the Board.
Peter Luff: To ask the Chancellor of the Exchequer how many applications Capital for Enterprise Ltd. has received from banks to join the Enterprise Finance Guarantee Scheme; and how many such applications (a) have been processed and (b) are outstanding. 
Ian Pearson: In launching the Enterprise Finance Guarantee Scheme (EFG) all the 31 lenders accredited to deliver the Small Firms Loan Guarantee Scheme (SFLG) were approached to participate in the new scheme.
Grant Shapps: To ask the Chancellor of the Exchequer (1) how much has been spent by his Department on carrying out inspections of air conditioning systems within departmental buildings in accordance with the Energy Performance of Buildings (Certificates and Inspections) (England and Wales) Regulations 2007 since the Regulations came into force; 
(2) how many of his Departments buildings are equipped with air conditioning systems with output greater than 250kW; how many of these systems have been inspected under the Energy Performance of Buildings (Certificates and Inspections) (England and Wales) Regulations 2007 since the Regulations came into force; and if he will place in the Library a copy of each inspection report. 
Sandra Gidley: To ask the Chancellor of the Exchequer when he expects to be in a position to (a) set a timetable for the opening of the ex-gratia payments scheme for Equitable Life policyholders to receipt of claims, (b) estimate the length of time to be taken for the determination of claims made under that scheme and (c) establish mechanisms for considering disputed claims made under that scheme. 
Mr. Letwin: To ask the Chancellor of the Exchequer (1) what plans he has to allocate future revenues raised through the auctioning of allowances under the (a) second and (b) third phase of the EU Emissions Trading Scheme; and if he will make a statement; 
(2) where revenue raised through the auctioning of allowances from the EU Emissions Trading Scheme is accounted for in (a) the Red Book and (b) general accounts published with the Budget Statement; and if he will make a statement. 
Mr. Timms: Any revenue raised through the use of auctioning is considered as part of general revenue streams, and has already been factored into public finance forecasts. These revenues cannot be allocated as a separate income source without an equivalent reduction to the public finance forecasts. The spending review process ensures that resources are allocated efficiently to deliver Government objectives.
Mr. Stewart Jackson: To ask the Chancellor of the Exchequer with reference to OGC buying.solutions contract, reference RM645, which company won the contract for the Government Air Programme; and what the (a) monetary value and (b) duration of the contract is. 
Mr. Stewart Jackson: To ask the Chancellor of the Exchequer at what stage in the process of the payment of inheritance tax the Valuation Office Agency undertakes a valuation of the property forming part of the inherited estate. 
Mr. Timms: It is HM Revenue and Customs' standard practice to seek the advice of the Valuation Office Agency about the value of UK land and buildings where inheritance tax is payable. In the great majority of cases this happens shortly after the inheritance tax papers are received in the operational office following the issue of the grant of probate to the personal representatives of the estate.
Mr. Burns: To ask the Chancellor of the Exchequer when he plans to reply to the letter from the hon. Member for West Chelmsford of 15 December 2008 concerning his constituent, Ms Pippa Cuckson of Great Leighs, Chelmsford. 
Mr. Timms: Due to the large volume of correspondence received on these issues there has been a delay in sending some responses. The Financial Services Secretary hopes to be in a position to reply to the hon. Member shortly.
Mr. Maude: To ask the Chancellor of the Exchequer if he will request the Security Commission to undertake an investigation into the unauthorised disclosure of information relating to taxation measures in the Pre-Budget Report 2008. 
Daniel Kawczynski: To ask the Chancellor of the Exchequer what assessment his Department has made of the effect of the implementation of HM Revenue and Customs (HMRCs) Workforce Change programme on the average yield per annum brought in by an HMRC compliance officer. 
Mr. Timms: HM Revenue and Customs (HMRC) does not collect the information asked for. Annual yield and yield/cost ratio figures are published in the departmental autumn performance report, available at:
The implementation of HMRCs Workforce Change programme enables business efficiencies by matching HMRCs staff resources and estate to future business needs. It is one of many factors in HMRCs reorganisation and strategy that together have resulted in a continuous improvement in yield in each of the last three years for which figures are available.
Jim Cousins: To ask the Chancellor of the Exchequer how many staff are employed on work contracted out by HM Revenue and Customs in (a) each region of England, (b) Scotland, (c) Wales and (d) Northern Ireland; and what percentage in each case are paid less than £7.45 per hour for that work. 
Mr. David Anderson: To ask the Chancellor of the Exchequer what assessment he has made of the implications for Royal Mail of the recent European Court of Justice ruling on value added tax liabilities; and if he will make a statement. 
Mr. Timms: The Government welcome the Courts confirmation that postal services provided by Royal Mail, as the only UK universal service provider, will continue to be exempt from VAT. HM Revenue and Customs are considering the implications of the judgment in detail.
|Marginal income fax rate||Percentage of tax relief|
This distribution is based on 2006-07 Survey of Personal Incomes data that has been adjusted to account for the 2008-09 tax rates. Figures have been rounded to the nearest 5 per cent.
Mr. Gregory Campbell: To ask the Chancellor of the Exchequer how much income tax relief was payable in respect of personal pension contributions for income taxed at (a) 40 per cent. and (b) 20 per cent. in 2006-07. 
[holding answer 22 January 2009]: The amount of income tax relief at the basic rate in respect of personal pension contributions was estimated to be
£790 million in 2006-07. The amount of income tax relief in respect of those taxed at the higher rate was £2,430 million in 2006-07.
These figures have been rounded to the nearest £10 million and relate to contributions by employees and the self-employed only. They are based on 2006-07 survey data. It is not possible to provide such a breakdown for employer contributions.
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