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FINANCIAL HIGHLIGHTS CHAIRMAN’S STATEMENT CHIEF EXECUTIVE’S STATEMENT GROUP BUSINESS REVIEW CORPORATE CITIZENSHIP CORPORATE GOVERNANCE AND DIRECTORS’ REPORT BOARD OF DIRECTORS REMUNERATION REPORT FINANCIAL STATEMENTS NOTES TO THE FINANCIAL STATEMENTS ACHIEVED PROFITS BASIS SUPPLEMENTARY INFORMATION FINANCIAL HISTORY NOTICE OF ANNUAL GENERAL MEETING SHAREHOLDER INFORMATION

Notes to the Financial Statements

for the year ended 31 December 2004

21 Debtors Arising From Direct Insurance Operations

		£m
	At 31 December 2004	At 31 December 2003
Amounts owed by policyholders	59	99
Amounts owed by intermediaries	13	10
Outstanding securities realised	19	18
Other	82	98
	173	225

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