Parliamentary Commission on Banking StandardsCorporate Facilities over £75 million Approved 1st September to 30th September 2008

AUTHOR: PETER CUMMINGS

Connection

Industry Description

Existing

Facilities

£000’s

Increase/

Decrease

£000’s

New Facilities

£000’s

Margin

bps

Fees

Earned

£000’s

Post Tax

RAROE

%

PD Rating

Weighted EL

Rating

Property investment & development

2,868,538

11,900

2,880,438

107

0

0.00

4.3

4.2

Property investment

2,402,423

20,060

(20,000)

0

2,402,483

n/a

n/a

n/a

0

0

20

n/a

n/a

n/a

n/a

n/a

n/a

n/a

n/a

n/a

Hotels

1,806,050

0

1,806,050

234

0

n/a

n/a

n/a

Property investment

1,695,559

45,161

(134,980)

1,605,740

119

319

-868

2,080

-2.80

45.80

5.3

n/a

5.1

n/a

Design, sale & marketing of wall coverings

1,545,902

0

1,545,902

300

38

0.00

6.3

6.2

Property investment

1,321,406

529

1,321,935

140

0

11.20

5.1

4.2

Property investment & development

1,221,768

0

1,221,768

178

625

23.50

3.3

4.1

Health Clubs

1,220,706

0

1,220,706

225

0

n/a

6.2

4.2

Tenanted public houses & bars

1,169,734

(10,792)

3,928

1,162,870

235

160

1.670

0

53.30

22.70

5.3

5.3

5.2

3.1

Property investment

953,279

0

953,279

278

0

13.40

n/a

n/a

Refurbishment & construction of affordable homes

947,487

0

947,487

453

30

29.90

6.1

6.1

Multiple retailer of clothing and accessories

892,809

4,000

896,809

114

100

n/a

n/a

n/a

Property investment

792,336

366

792,702

243

134

60.50

5.2

4.3

Property investment & development

748,892

0

(6,000)

742,892

217

250

0

130

n/a

162.20

n/a

4.2

n/a

5.2

Property investment

771,784

(28,699)

(433)

742,652

192

300

620

29

20.80

79.30

5.3

5.1

5.1

4.3

Property development

556,000

66,000

622,000

140

135

64.40

4.1

3.3

Wholesale of pharmaceuticals

88,658

1,598

450,000

540,256

195

400

0

250

17.80

180.20

4.2

6.2

4.2

4.2

Property investment & development

494,788

(200)

3,000

1,577

499,165

164

250

124

16

30

0

48.60

37.50

39.90

6.2

5.2

4.3

4.2

5.1

4.2

Hotels

387,893

0

387,893

192

0

22.60

6.1

5.3

Accountants

356,200

6,800

363,000

140

475

92.30

3.2

3.2

Transportation & logistics provider

323,576

(4,000)

319,576

350

30

10.50

5.3

5.3

Property investment

302,238

(4,945)

297,293

212

0

9.30

5.3

4.3

Debt collection agency

257,177

1,600

258,777

317

0

15.60

5.1

5.1

Commercial property investment/healthcare

235,380

9,650

245,030

110

0

-11.00

5.2

4.3

Property development

231,412

0

231,412

350

96

112,80

6.3

4.3

Property investment fund

221,500

4,000

225,500

113

0

n/a

n/a

n/a

Property investment

202,305

395

202,700

190

4

-6.20

6.1

4.3

Distillers & bottlers of whiskey

199,897

50

199,947

382

2,000

0.00

5.1

5.1

Property development

169,696

0

169,696

400

16

457.90

6.3

6.1

Property development

163,489

4,570

168,059

184

1,109

0.00

5.3

6.1

Provider of classified advertising directories

163,146

(5,142)

158,004

200

710

14.10

4.3

4.3

Property investment

157,394

0

157,394

120

0

110.80

4.3

3.3

Design, engineering & construction for oil & gas industry

152,200

0

152,200

60

45

252.00

4.1

3.3

Strategic investment

146,000

2,000

148,000

135

70

5.40

4.3

4.3

Property investment

125,000

17,000

142,000

65

0

24.50

6.1

3.2

Property investment

212,650

(83,180)

129,470

520

850

64.00

7.0

7.0

Repair & refurbishment of mobile phones

124,445

(250)

124,195

427

0

4.60

6.1

6.1

Property investment

136,250

(14,147)

122,103

200

200

16.50

n/a

n/a

Retail—department stores

101,525

13,000

114,525

304

0

0.00

5.3

5.3

Manufacturer of paper-based packaging

85,800

16,800

102,600

168

0

2.90

5.1

5.1

Property investment

100,039

0

100,039

120

97

n/a

5.1

4.2

Building, construction & development

111,676

(13,075)

98,601

321

0

36.30

5.3

5.3

Property investment

91,079

6,791

97,870

185

263

35.40

5.2

4.2

Property investment

85,571

0

85,571

300

0

0.00

5.3

4.2

Prepared 4th April 2013