Holding(s) in Company

St. James's Place Capital PLC
11 January 2005


St. James's Place Capital ('SJPC') was informed on 10 January 2005 that
following an increase in the issued share capital of SJPC as a result of the
exercise of share options, HBOS has an interest in 263,599,813 ordinary shares
of 15p each (representing 59.991% of SJPC's issued share capital).

The shares are registered as follows:


Registered name                                                  Fund       Shares held

HBOS Insurance and Investment Group Limited                      N/A       261,924,067
Chase Nominees a/c CMIG                                          237          80,000
Chase Nominees a/c CMIG MAIN                                    IPFGW         7,000
Chase Nominees Limited                                            WP          900,000
Dexia BIL Bank, Luxembourg                                       3087          5,900
HSBC Global Custody Nominee (UK) Limited                        SJPUTT         2,522
HSBC Global Custody Nominee (UK) Limited                         EQSTR        172,600
HSDL Nominees Limited                                             N/A            22
Nortrust Nominees Limited a/c HXCM                               HPFO          14,000
Nortrust Nominees Limited a/c HXCM                               HLFO         491,000
State Street Nominees Limited A/C FE1F                           FE1F          2,702


Aggregate material and non-material holding of HBOS group                   263,599,813     59.991%
(of which 263,329,089 (59.93%) is material)



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