http://www.telegraph.co.uk/money/main.jhtm...17/cmbank17.xml

I'm not sure about this list constructed mostly from the link.

WHat is a conservative bank business model ?

Mortgage banks exposed to the UK housing market
-HBOS (whole market incl specialism through Birmingham Midshires)
-A and L (specialist)
-Bradford and Bingley (specialist)

Higher capital market exposure
-Barclays
-RBS

Conservative business models / Stronger balance sheets?
-Lloyds TSB
-HSBC

Technically, you'd be looking for a number of things, for example:

- low value at risk
- tier 1 and tier 2 capital well above minimum requirements
- low reliance on capital markets for funding
- low exposure to new and untested financial products
- good geographical and business line diversity

In reality, it's extremely difficult without professional access to the numbers to figure out which banks fit this description.

Cheers. Do you mean the live numbers rather than the historical results?

Absolutely, although VaR is unlikely to change rapidly for a large institution so results from a year back are good enough. The Basel 2 stuff coming along will make a lot of this stuff a bit more transparent too.