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[]
[]
[]
[]
[]
[]
[null,null,"LLOYDS BANKING GROUP plc"]
[null,null,"2013 FULL YEAR RESULTS"]
[]
[]
[]
[null,null,"13 February 2014"]
[]
[]
[]
[null,null,"Excel Downloads of Relevant Tables"]

{"sheet":"Index","index":1,"n_rows":44,"n_cols":12,"rows_kept":44,"cut":false,"hidden":false,"merged":[]}
[null,"INDEX"]
[null,"A FULL COPY OF THE 2013 RESULTS, WITH FULL NOTES AND FOOTNOTES CAN BE FOUND AT:"]
[null,"Lloyds Banking Group plc - Company Results - Lloyds Banking Group plc"]
[]
[]
[]
[null,null,null,null,null,null,"Risk management"]
[null,"Consolidated income statement","3 ",null,null,null,"Impairment Charge by division",null,null,null,null,"42,43"]
[null,"Balance sheet and key ratios","3 ",null,null,null,"Group - Impaired loans and provisios",null,null,null,null,44]
[null,"Consolidated income statement – core and non-core","4 ",null,null,null,"Group - Impaired loans and provisions - core",null,null,null,null,45]
[null,"Balance sheet and key ratios - core and non-core","4 ",null,null,null,"Group - Impaired loans and provisions - non-core",null,null,null,null,46]
[null,"Summary consolidated balance sheet","5 "]
[null,null,null,null,null,null,"Retail - Loans and advances to customers",null,null,null,null,47]
[null,"Group Finance Director’s review of financial performance",null,null,null,null,"Retail - mortgages greater than three months in arrears",null,null,null,null,48]
[null,"Underlying Income",13,null,null,null,"Retail - Actual and average LTVs across mortgage portfolios",null,null,null,null,48]
[null,"Costs",14,null,null,null,"Retail - forbearance (secured)",null,null,null,null,50]
[null,"Impairment",15,null,null,null,"Retail - forbearance (unsecured)",null,null,null,null,51]
[null,"Statutory profit",16]
[null,"Risk-weighted assets and capital ratios",18,null,null,null,"Commercial Banking - LTVs ",null,null,null,null,56]
[null,"Funding and liquidity",19,null,null,null,"Commercial Banking - forbearance",null,null,null,null,59]
[null,null,null,null,null,null,"Commercial Banking - forbearance (unimpaired)",null,null,null,null,59]
[null,"Underlying basis segmental analysis",21]
[null,"Underlying basis segmental analysis - Core",22,null,null,null,"WAFI - Ireland impairment Charge",null,null,null,null,60]
[null,"Underlying basis segmental analysis - Non-core",23,null,null,null,"WAFI - Ireland impaired loans and provisions",null,null,null,null,61]
[null,"Underlying basis quarterly information",24,null,null,null,"WAFI - Ireland LTVs",null,null,null,null,61]
[null,null,null,null,null,null,"WAFI - Ireland secured retail lending",null,null,null,null,63]
[null,"Divisional Highlights",null,null,null,null,"WAFI - Asset finance retail lending",null,null,null,null,64]
[null,"Retail",26,null,null,null,"WAFI - Ireland wholesale forbearance",null,null,null,null,64]
[null,"Commercial Banking",28]
[null,"Wealth, Asset Finance and International ",30,null,null,null,"Liquidity and funding management"]
[null,"Insurance","32,33",null,null,null,"Group funding position",null,null,null,null,66]
[null,"Insurance (2012 comparator tables)","32,33",null,null,null,"Reconciliation of funding figure to the balance sheet",null,null,null,null,67]
[null,"Group Operations and Central items",34,null,null,null,"Analysis of 2013 total wholesale funding by residual maturity",null,null,null,null,67]
[]
[null,"Additional information",null,null,null,null,"Analysis of 2013 term issuance",null,null,null,null,68]
[null,"Reconciliation between statutory and underlying basis results",35,null,null,null,"Liquidity portfolio",null,null,null,null,69]
[null,"Banking net interest margin",36]
[null,"Volatility arising in insurance businesses","36,37",null,null,null,"Capital management"]
[null,"Number of employees  (full-time equivalent)",38,null,null,null,"Capital resources",null,null,null,null,71]
[null,null,null,null,null,null,"Movements in capital",null,null,null,null,72]
[null,null,null,null,null,null,"Risk-weighted assets",null,null,null,null,73]
[null,null,null,null,null,null,"Capital position - CRD IV basis",null,null,null,null,75]
[null,null,null,null,null,null,"Movements in capital - CRD IV",null,null,null,null,76]
[null,null,null,null,null,null,"Leverage ratio - CRD IV basis",null,null,null,null,78]

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[null,"UNDERLYING BASIS CONSOLIDATED INCOME STATEMENT"]
[]
[]
[]
[null,null,null,"2013 ",null,"2012¹",null,"Change "]
[null,null,null,"£ million ",null,"£ million ",null,"% "]
[]
[null,"Net interest income",null,10885,"",10335,"",5.3217223028543783]
[null,"Other income",null,7919.9999999999991,"",8051,"",-1.6271270649608858]
[null,"Total underlying income",null,18805,"",18386,"",2.2789078646796477]
[null,"Total costs",null,-9634.9670000000006,"",-10124,"",4.8304326353220013]
[null,"Impairment ",null,-3004,"",-5697,"",47.270493242057221]
[null,"Underlying profit",null,6166.0329999999994,"",2565,"",140.39115009746587]
[null,"Core",null,7574.0329999999994,null,6112,null,23.920696989528786]
[null,"Non-core",null,-1408,null,-3547,null,60.304482661404002]
[]
[null,"Asset sales, liability management and volatile items",null,-280,"",2532,""]
[null,"Simplification and Verde costs",null,-1516.7329999999999,"",-1246,""]
[null,"Legacy items",null,-3455,"",-4225,""]
[null,"Other items",null,-499,"",-232,""]
[null,"Profit (loss) before tax – statutory",null,415.29999999999927,"",-606,""]
[null,"Taxation",null,-1217,"",-781,""]
[null,"Loss for the period",null,-801.70000000000073,"",-1387,""]
[]
[null,"Loss per share",null,"(1.2)p",null,"(2.0)p ",null,"0.9p"]
[]
[null,"Banking net interest margin",null,2.1217981358870017E-2,null,1.9300000000000001E-2,null,"19bp"]
[null,"Average interest-earning banking assets",null,510.91738956587216,null,543.29999999999995,null,-5.9603553164233016]
[null,"Cost:income ratio (excluding St. James's Place)",null,0.52900000000000003,null,0.55100000000000005,null,"(2.2)pp"]
[null,"Asset quality ratio2",null,5.696807425162446E-3,null,1.0200000000000001E-2,null,"(45)bp"]
[null,"Return on risk-weighted assets",null,2.1380142163661586E-2,null,7.7000000000000002E-3,null,"137bp"]
[]
[null,"BALANCE SHEET AND KEY RATIOS"]
[]
[null,null,null,"At  ",null,"At  "]
[null,null,null,"31 Dec  ",null,"31 Dec  ",null,"Change "]
[null,null,null,"2013 ",null,"2012 ",null,"% "]
[]
[null,"Loans and advances to customers excluding reverse repos3",null,495.15057162954997,null,512.1,null,-3.309788785481361]
[null,"Customer deposits excluding repos4",null,438.312998827,null,422.5,null,3.7427216158579886]
[null,"Loan to deposit ratio5",null,1.1296734820885006,null,1.21,null,"(8)pp"]
[null,"Total assets",null,847,null,934.2,null,-9.2434168272318651]
[null,"Wholesale funding",null,137.55684102550714,null,169.6,null,-18.893372036847204]
[null,"Wholesale funding <1 year maturity",null,44.2,null,50.6,null,-12.648221343873514]
[null,"Risk-weighted assets5",null,263.89999999999998,null,310.3,null,-14.953271028037394]
[null,"Core tier 1 capital ratio",null,0.14000000000000001,null,0.12,null,"2.0pp"]
[null,"Pro forma fully loaded common equity tier 1 ratio6",null,0.10299999999999999,null,8.1000000000000003E-2,null,"2.2pp"]
[null,"Pro forma fully loaded CRD IV leverage ratio (including tier 1 instruments)6,7",null,4.1000000000000002E-2,null,3.7999999999999999E-2,null,"0.3pp"]
[null,"Fully loaded common equity tier 1 ratio",null,0.1,null,8.1000000000000003E-2,null,"1.9pp"]
[null,"Fully loaded CRD IV leverage ratio (including tier 1 instruments)7",null,0.04,null,3.7999999999999999E-2,null,"0.2pp"]
[]
[null,"Net tangible assets per share1",null,48.524887148716964,null,51.9,null,"(3.4)p"]
[]
[]
[1,"Restated to reflect the implementation of IAS 19R and IFRS 10.  See page 123."]
[2,"Impairment charge as a % of average advances."]
[3,"Excludes reverse repos of £0.1 billion (31 December 2012: £5.1 billion)."]
[4,"Excludes repos of £3.0 billion (31 December 2012: £4.4 billion)."]
[5,"Loans and advances to customers excluding reverse repos divided by customer deposits excluding repos."]
[6,"Pro forma ratios include the benefit of the announced sales of Heidelberger Leben, Scottish Widows Investment Partnership and Sainsbury's Bank."]
[7,"Includes the full value of tier 1 instruments reported under the prevailing rules as at 31 December 2013."]

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[null,"UNDERLYING BASIS CONSOLIDATED INCOME STATEMENT – CORE AND NON-CORE"]
[]
[]
[null,null,null,"2013 ",null,"2012¹",null,"Change "]
[null,null,null,"£ million ",null,"£ million ",null,"% "]
[null,"Core"]
[]
[null,"Net interest income",null,10638,null,9868,null,7.8029995946493722]
[null,"Other income",null,7606,null,7417,null,2.5482000808952407]
[null,"Total underlying income",null,18244,null,17285,null,5.5481631472374895]
[null,"Total costs",null,-9148.9670000000006,null,-9254,null,1.1350010806137827]
[null,"Impairment",null,-1521,null,-1919,null,20.739968733715479]
[null,"Underlying profit",null,7574.0329999999994,null,6112,null,23.920696989528786]
[]
[null,"Banking net interest margin",null,2.4902169952849964E-2,null,2.3199999999999998E-2,null,"17bp"]
[null,"Asset quality ratio",null,3.4974857119260431E-3,null,4.4000000000000003E-3,null,"(9)bp"]
[null,"Return on risk-weighted assets",null,3.2639403602516597E-2,null,2.5399999999999999E-2,null,"72bp"]
[]
[null,"Non-core"]
[]
[null,"Net interest income",null,247,null,467,null,-47.109207708779444]
[null,"Other income",null,314,null,634,null,-50.473186119873816]
[null,"Total underlying income",null,561,null,1101,null,-49.04632152588556]
[null,"Total costs",null,-486,null,-870,null,44.137931034482762]
[null,"Impairment",null,-1483,null,-3778,null,60.746426680783486]
[null,"Underlying loss",null,-1408,null,-3547,null,60]
[]
[null,"Banking net interest margin",null,4.0834692843863549E-3,null,5.4999999999999997E-3,null,"(14)bp"]
[null,"Asset quality ratio",null,1.6119986629113996E-2,null,3.0800000000000001E-2,null,"(147)bp"]
[]
[null,"BALANCE SHEET AND KEY RATIOS"]
[]
[null,null,null,"At ",null,"At "]
[null,null,null,"31 Dec",null,"31 Dec "]
[null,null,null,"2013 ",null,"2012 ",null,"Change "]
[null,"Core",null,null,null,null,null,"% "]
[]
[null,"Loans and advances to customers2",null,436.93489536125998,null,425.3,null,2.7356913616882115]
[null,"Customer deposits3",null,435.61299882700001,null,419.1,null,3.9401094791219253]
[null,"Core loan to deposit ratio4",null,1.0030345663187727,null,1.01,null,"(1)pp"]
[]
[null,"Risk-weighted assets",null,224.89999999999998,null,237.4,null,-5.2653748946925143]
[]
[null,"Non-core"]
[]
[null,"Retail non-core assets",null,38.799999999999997,null,49.9,null,-22.244488977955914]
[null,"Non-retail non-core assets",null,24.700000000000003,null,48.5,null,-49.072164948453597]
[null,"Total non-core assets",null,63.5,null,98.4,null,-35.467479674796756]
[]
[null,"Risk-weighted assets",null,39,null,72.900000000000006,null,-46.502057613168731]
[]
[1,"Restated to reflect the implementation of IAS 19R and IFRS 10.  See page 123."]
[2,"Excludes reverse repos of £0.1 billion (31 December 2012: £5.1 billion)."]
[3,"Excludes repos of £3.0 billion (31 December 2012: £4.4 billion)."]
[4,"Loans and advances to customers excluding reverse repos divided by customer deposits excluding repos."]

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[null,"SUMMARY CONSOLIDATED BALANCE SHEET"]
[]
[null,null,null,"At 31 Dec",null,"At 31 Dec"]
[null,null,null,"2013 ",null,"2012¹"]
[null,"Assets",null,"£ million ",null,"£ million "]
[]
[null,"Cash and balances at central banks",null,49915,null,80298]
[null,"Trading and other financial assets at fair value through profit or loss",null,142683,null,160620]
[null,"Derivative financial instruments",null,33125,null,56557]
[null,"Loans and receivables:"]
[null,"Loans and advances to customers",null,495281,null,517225]
[null,"Loans and advances to banks",null,25365,null,32757]
[null,"Debt securities",null,1355,null,5273]
[null,null,null,522001,null,555255]
[null,"Available-for-sale financial assets",null,43976,null,31374]
[null,"Other assets",null,55330,null,50117]
[null,"Total assets",null,847030,null,934221]
[]
[null,"Liabilities"]
[null,"Deposits from banks",null,13982,null,38405]
[null,"Customer deposits",null,441311,null,426912]
[null,"Trading and other financial liabilities at fair value through profit or loss",null,43625,null,33392]
[null,"Derivative financial instruments",null,30464,null,48676]
[null,"Debt securities in issue",null,87102,null,117253]
[null,"Liabilities arising from insurance and investment contracts",null,110758,null,137592]
[null,"Subordinated liabilities",null,32312,null,34092]
[null,"Other liabilities",null,48140,null,55318]
[null,"Total liabilities",null,807694,null,891640]
[]
[null,"Total equity",null,39336,null,42581]
[null,"Total equity and liabilities",null,847030,null,934221]
[]
[1,"Restated to reflect the implementation of IAS 19R and IFRS 10.  See page 123."]

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[null,"GROUP FINANCE DIRECTOR’S REVIEW OF FINANCIAL PERFORMANCE (continued)"]
[]
[null,"Underlying income"]
[null,null,"Total",null,null,null,null,null,null,"Core"]
[]
[null,null,null,"2013 ",null,"2012 ",null,"Change ","2013 ",null,null,"2012 ",null,"Change "]
[null,null,null,"£ million ",null,"£ million ",null,"% ",null,"£ million ",null,"£ million ",null,"% "]
[]
[null,"Net interest income ",null,10883.93798603,null,10331,null,5.3522213341399629,null,10636.93798603,null,9864,null,7.8359487634833691]
[null,"Other income",null,7259,null,7726,null,-6.0445249805850372,null,6945,null,7092,null,-2.0727580372250425]
[null,"Total underlying income excluding St. Jame's Place",null,18142.93798603,null,18057,null,0,null,17581.93798603,null,16956,null,3.6915427343123355]
[null,"St. James’s Place",null,662.06201396999995,null,329,null,null,null,662.06201396999995,null,329]
[null,"Total underlying income",null,18805,null,18386,null,2.2789078646796477,null,18244,null,17285,null,5.5481631472374895]
[]
[null,"Banking net interest margin",null,2.1217981358870017E-2,null,1.9300000000000001E-2,null,"19bp",null,2.4902169952849964E-2,null,2.3199999999999998E-2,null,"17bp"]
[null,"Average interest-earning banking assets",null,510.91738956587216,null,543.4,null,-5.9776611030783622,null,420.50271628340613,null,423.7,null,-0.75461027061455244]
[null,"Loan to deposit ratio",null,1.1296734820885006,null,1.21,null,"(8)pp",null,1.0030345663187727,null,1.01,null,"(1)pp"]

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[null,"GROUP FINANCE DIRECTOR’S REVIEW OF FINANCIAL PERFORMANCE (continued)"]
[]
[null,null,"2013 ",null,null,"2012 ",null,"Change "]
[null,"Total costs",null,"£ million ",null,"£ million ",null,"% "]
[]
[null,"Core",null,9148.9670000000006,null,9254,null,1.1350010806137827]
[null,"Non-core",null,486,null,870,null,44.137931034482762]
[null,"Total costs",null,9634.9670000000006,null,10124,null,4.8304326353220013]
[]
[null,"Cost:income ratio",null,0.51236197819728801,null,0.55063635374741648,null,"(3.9)pp"]
[null,"Simplification savings annual run-rate",null,1457,null,847]

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[null,"GROUP FINANCE DIRECTOR’S REVIEW OF FINANCIAL PERFORMANCE (continued)"]
[]
[null,null,null,2013,null,2012]
[null,"Impairment",null,"£ million ",null,"£ million ",null,"% "]
[]
[null,"Core",null,1521,null,1919,null,20.739968733715479]
[null,"Non-core",null,1483,null,3778,null,60.746426680783486]
[null,"Total impairment charge",null,3004,null,5697,null,47.270493242057221]
[]
[]
[null,null,null,2013,null,2012]
[null,null,null,"%",null,"%"]
[null,"Asset Quality Ratio:"]
[null,"Core",null,0.349748571192604,null,0.44,null,"(9)bp"]
[null,"Non-core",null,1.61,null,3.08,null,"(147)bp"]
[null,"Group",null,0.56999999999999995,null,1.02,null,"(45)bp"]
[]
[null,"Impaired loans as a % of closing advances:"]
[null,"Core",null,2.5705328592074688,null,3,null,"(0.4)pp"]
[null,"Non-core",null,29.984794583428965,null,32.1,null,"(2.1)pp"]
[null,"Group",null,6.3067778407751431,null,8.6,null,"(2.3)pp"]
[]
[null,"Provisions as a % of impaired loans:"]
[null,"Core",null,40.604275534441804,null,41.2,null,"(0.6)pp"]
[null,"Non-core",null,54.826643648395915,null,50.7,null,"4.1pp"]
[null,"Group",null,50.056090254318306,null,48.2,null,"1.9pp"]

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[null,"GROUP FINANCE DIRECTOR’S REVIEW OF FINANCIAL PERFORMANCE (continued)"]
[]
[null,"Statutory profit"]
[]
[]
[null,null,"2013 ",null,null,null,"2012 1"]
[null,null,null,null,"£ million ",null,"£ million "]
[]
[null,"Underlying profit",null,null,6166.0329999999994,"",2565,"",null,""]
[null,"Asset sales, liability management and volatile items:",null,null,"","","","","","",null,null,null,null,null,null,null,null,""]
[null,"Asset sales",null,null,-687,"",-660,"",null,null,null,null,null,null,null,null,null,null,""]
[null,null,"Sale of government securities",null,787,null,3207]
[null,"Liability management",null,null,-142,"",-229,"",null,null,null,null,null,null,null,null,null,null,""]
[null,"Own debt volatility",null,null,-221,"",-270,"",null,null,null,null,null,null,null,null,null,null,""]
[null,"Other volatile items",null,null,-457,"",-478,"",null,null,null,null,null,null,null,null,null,null,""]
[null,"Volatility arising in insurance businesses",null,null,668,"",312,"",null,null,null,null,null,null,null,null,null,null,""]
[null,"Fair value unwind",null,null,-228,"",650,"",null,null,null,null,null,null,null,null,null,null,""]
[null,null,null,null,-280,"",2532,"",null,null,null,null,null,null,null,null,null,null,""]
[null,"Simplification and Verde costs"]
[null,null,"Simplification",null,-830,null,-676]
[null,null,"Verde",null,-686.73299999999995,null,-570]
[null,null,null,null,-1516.7329999999999,"",-1246,"",null,null,null,null,null,null,null,null,null,null,""]
[null,"Legacy items:",null,null,"","","","",null,null,null,null,null,null,null,null,null,null,""]
[null,"Payment protection insurance provision",null,null,-3050,"",-3575,"",null,null,null,null,null,null,null,null,null,null,""]
[null,"Other regulatory provisions",null,null,-405,"",-650,"",null,null,null,null,null,null,null,null,null,null,""]
[null,null,null,null,-3455,"",-4225,"",null,null,null,null,null,null,null,null,null,null,""]
[null,"Other items:",null,null,"","","","",null,null,null,null,null,null,null,null,null,null,""]
[null,"Past service pensions (charge) credit",null,null,-104,"",250,"",null,null,null,null,null,null,null,null,null,null,""]
[null,"Amortisation of purchased intangibles",null,null,-395,"",-482,"",null,null,null,null,null,null,null,null,null,null,""]
[null,null,null,null,-499,"",-232,"","","",null,null,null,null,null,null,null,null,""]
[null,"Profit (loss) before tax – statutory",null,null,415.30000000000018,"",-606,"","","",null,null,null,null,null,null,null,null,""]
[null,"Taxation",null,null,-1217,"",-781,"","","",null,null,null,null,null,null,null,null,""]
[null,"Loss for the year",null,null,-801.69999999999982,"",-1387,"","","",null,null,null,null,null,null,null,null,""]
[null,"Loss per share",null,null,"(1.2)p",null,"(2.1)p ",null,null,null,null,null,null,null,null,null,null,null,""]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,""]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,""]
[null,1,"Restated to reflect the implementation of IAS 19R and IFRS 10.  See page 123."]

{"sheet":"p18","index":9,"n_rows":28,"n_cols":8,"rows_kept":28,"cut":false,"hidden":false,"merged":[]}
[null,"GROUP FINANCE DIRECTOR’S REVIEW OF FINANCIAL PERFORMANCE (continued)"]
[]
[null,"Risk-weighted assets and capital ratios"]
[null,null,null,"At 31 Dec  ",null,"At 31 Dec  ",null,"Change "]
[null,null,null,"2013 ",null,"20121",null,"% "]
[]
[]
[null,"Core risk-weighted assets",null,224.89999999999998,null,237.4,null,-5.2653748946925143]
[null,"Non-core risk-weighted assets",null,39,null,72.900000000000006,null,-46.502057613168731]
[null,"Total risk-weighted assets",null,263.89999999999998,null,310.3,null,-14.953271028037394]
[null,"Core tier 1 capital ratio",null,0.14000000000000001,null,0.12,null,"2.0pp"]
[null,"Tier 1 capital ratio",null,0.14499999999999999,null,0.13800000000000001,null,"0.7pp"]
[null,"Total capital ratio",null,0.20799999999999999,null,0.17299999999999999,null,"3.5pp"]
[]
[null,"Pro forma fully loaded risk-weighted assets2",null,271.89999999999998,null,321.10000000000002,null,-15.32232949236999]
[null,"Pro forma fully loaded common equity tier 1 ratio2",null,0.10299999999999999,null,8.1000000000000003E-2,null,"2.2pp"]
[null,"Pro forma fully loaded CRD IV leverage ratio2,3",null,4.1000000000000002E-2,null,3.7999999999999999E-2,null,"0.3pp"]
[null,"Pro forma fully loaded Basel III leverage ratio (2014 rules)2,3,4",null,4.4999999999999998E-2]
[]
[null,"Fully loaded risk-weighted assets",null,271.10000000000002,null,321.10000000000002,null,-15.571473061351604]
[null,"Fully loaded common equity tier 1 ratio",null,0.1,null,8.1000000000000003E-2,null,"1.9pp"]
[null,"Fully loaded CRD IV leverage ratio3",null,0.04,null,3.7999999999999999E-2,null,"0.2pp"]
[null,"Fully loaded Basel III leverage ratio (2014 rules)3,4",null,4.3999999999999997E-2]
[]
[1,"Comparatives have not been restated to reflect the implementation of IAS 19R and IFRS 10."]
[2,"Pro forma ratios include the benefit of the announced sales of Heidelberger Leben, Scottish Widows Investment Partnership and Sainsbury's Bank."]
[3,"Includes the full value of tier 1 instruments reported under the prevailing rules as at 31 December 2013."]
[4,"Estimated in accordance with January 2014 revised Basel III leverage ratio framework."]

{"sheet":"p19","index":10,"n_rows":24,"n_cols":8,"rows_kept":24,"cut":false,"hidden":false,"merged":[[22,1,22,2],[24,1,24,5],[25,1,25,5],[23,1,23,4]]}
[null,"GROUP FINANCE DIRECTOR’S REVIEW OF FINANCIAL PERFORMANCE (continued)"]
[]
[]
[null,"Funding and liquidity"]
[null,null,null,"At 31 Dec  ",null,"At 31 Dec  ",null,"Change "]
[null,null,null,"2013 ",null,"20121",null,"% "]
[]
[null,"Core loans and advances to customers2",null,436.93489536125998,null,425.3,null,2.7356913616882115]
[null,"Funded assets",null,510.22158797479,null,538.70000000000005,null,-5.2865067802506118]
[null,"Non-core assets",null,63.5,null,98.4,null,-35.467479674796756]
[null,"Non-retail non-core assets",null,24.700000000000003,null,48.5,null,-49.072164948453597]
[null,"Customer deposits3",null,438.312998827,null,422.5,null,3.7427216158579886]
[null,"Wholesale funding",null,137.55684102550714,null,169.6,null,-18.893372036847204]
[null,"Wholesale funding <1 year maturity",null,44.2,null,50.6,null,-12.648221343873514]
[null,"Of which money-market funding <1 year maturity4",null,21.3,null,25,null,-14.799999999999997]
[null,"Loan to deposit ratio",null,1.1296734820885006,null,1.21,null,"(8)pp"]
[null,"Core loan to deposit ratio",null,1.0030345663187727,null,1.01,null,"(1)pp"]
[null,"Primary liquid assets",null,89.317879334219981,null,87.6,null,1.9610494682876562]
[]
[]
[1,"Restated to reflect the implementation of IAS 19R and IFRS 10.  See page 123."]
[2,"Excludes reverse repos of £0.1 billion (31 December 2012: £5.1 billion)."]
[3,"Excludes repos of £3.0 billion (31 December 2012: £4.4 billion)."]
[4,"Excludes balances relating to margins of £2.2 billion (31 December 2012: £4.5 billion) and settlement accounts of £1.3 billion (31 December 2012: £1.5 billion)"]

{"sheet":"p21","index":11,"n_rows":55,"n_cols":17,"rows_kept":55,"cut":false,"hidden":false,"merged":[[19,9,20,9],[1,9,4,9],[54,1,54,2],[1,12,4,12],[1,13,4,13],[19,3,20,3],[19,4,20,4],[19,5,20,5],[19,6,20,6],[19,7,20,7],[19,8,20,8],[44,10,45,10],[44,11,45,11],[44,12,45,12],[1,3,4,3],[1,5,4,5],[19,10,20,10],[19,11,20,11],[1,6,4,6],[1,7,4,7],[1,11,4,11],[44,13,45,13],[44,8,45,8],[44,9,45,9],[19,12,20,12],[19,13,20,13],[44,3,45,3],[44,4,45,4],[44,5,45,5],[44,6,45,6],[44,7,45,7]]}
[null,"UNDERLYING BASIS SEGMENTAL ANALYSIS"]
[null,null,null,"Retail",null,"Commercial Banking",null,"Wealth, Asset Finance and Int'l",null,"Insurance ",null,"Group Operations and Central items",null,"Group "]
[]
[]
[null,2013]
[null,null,null,"£m ",null,"£m ",null,"£m ",null,"£m ",null,"£m ",null,"£m "]
[]
[null,"Net interest income",null,7536,"",2426,"",870,"",-103,"",156,"",10885,null,null,""]
[null,"Other income",null,1410,"",2708,"",1809,"",2235.9703221099999,"",113,"",8275.970322109999,null,null,""]
[null,"Insurance claims",null,0,"",0,"",0,"",-355.97032211000004,"",0,"",-355.97032211000004,null,null,""]
[null,"Total underlying income",null,8946,"",5134,"",2679,"",1776.9999999999998,"",269,"",18805]
[null,"Total costs",null,-4096,"",-2392.1999999999998,"",-1991,"",-687,"",-468.76700000000005,"",-9634.9670000000006]
[null,"Impairment",null,-1101,"",-1167,"",-730,"",0,"",-6,"",-3004]
[null,"Underlying profit (loss)",null,3749,"",1574.8000000000002,"",-42,"",1089.9999999999998,null,-205.76700000000005,null,6166.0329999999994]
[]
[null,"Banking net interest margin",null,2.2289214032413372E-2,null,1.9485029129443311E-2,null,2.1958599640829177E-2,null,null,null,null,null,2.1217981358870017E-2]
[null,"Asset quality ratio",null,3.1978111984385621E-3,null,8.2997092357689779E-3,null,1.78642809929432E-2,null,null,null,null,null,5.696807425162446E-3]
[null,"Return on risk-weighted assets",null,4.1089434458570794E-2,null,1.0400211332716947E-2,null,"(0.13)% ",null,null,null,null,null,2.1380142163661586E-2]
[]
[null,"Key balance sheet items",null,"£bn ",null,"£bn ",null,"£bn ",null,"£bn ",null,"£bn ",null,"£bn "]
[null,"At 31 Dec 2013"]
[]
[null,"Loans and advances to customers¹",null,341.9,"",126.4,"",24.2,"","","",2.7,"",495.15057162954997]
[null,"Customer deposits²",null,268.97368167729996,"",123.53621820594,"",45.772212944699994,"","","",0,"",438.312998827]
[null,"Total customer balances",null,610.87368167729994,"",249.9,"",69.97221294469999,"","","",2.7308859990599941,"",933.46357045654997]
[null,null,null,"","","","","","","","","","",""]
[null,"Risk-weighted assets",null,85.7,"",138.5,"",25.9,"","","",13.79999999999999,"",263.89999999999998]
[]
[]
[null,2012]
[null,null,null,"£m ",null,"£m ",null,"£m ",null,"£m ",null,"£m ",null,"£m "]
[]
[null,"Net interest income",null,7195,"",2206,"",799,"",-78,"",213,"",10335]
[null,"Other income",null,1462,"",2932,"",2043,"",2294,"",-315,"",8416]
[null,"Insurance claims",null,"– ","","– ","","– ","",-365,"","– ","",-365]
[null,"Total underlying income",null,8657,"",5138,"",2842,"",1851,"",-102,"",18386]
[null,"Total costs",null,-4199,"",-2516,"",-2291,"",-744,"",-374,"",-10124]
[null,"Impairment",null,-1270,"",-2946,"",-1480,"","– ","",-1,"",-5697]
[null,"Underlying profit (loss)",null,3188,"",-324,"",-929,"",1107,"",-477,"",2565]
[]
[null,"Banking net interest margin",null,2.0799999999999999E-2,null,"1.58% ",null,"1.65% ",null,null,null,null,null,"1.93% "]
[null,"Asset quality ratio",null,3.5999999999999999E-3,null,1.8499999999999999E-2,null,3.1199999999999999E-2,null,null,null,null,null,1.0200000000000001E-2]
[null,"Return on risk-weighted assets",null,3.2099999999999997E-2,null,"(0.18)% ",null,"(2.31)% ",null,null,null,null,null,7.7000000000000002E-3]
[]
[null,"Key balance sheet items",null,"£bn ",null,"£bn ",null,"£bn ",null,"£bn ",null,"£bn ",null,"£bn "]
[null,"At 31 Dec 2012"]
[]
[null,"Loans and advances to customers¹",null,343.3,"",134.69999999999999,"",33.4,"","","",0.7,"",512.1]
[null,"Customer deposits²",null,260.8,"",109.7,"",51.9,"","","",0.1,"",422.5]
[null,"Total customer balances",null,604.1,"",244.4,"",85.3,"","","",0.8,"",934.6]
[null,null,null,"","","","","","","","","",""]
[null,"Risk-weighted assets",null,95.5,"",165.2,"",36.200000000000003,"","","",13.4,"",310.29999999999995]
[]
[1,"Excludes reverse repos."]
[2,"Excludes repos."]

{"sheet":"p22","index":12,"n_rows":55,"n_cols":17,"rows_kept":55,"cut":false,"hidden":false,"merged":[[1,12,4,12],[1,13,4,13],[19,3,20,3],[19,4,20,4],[19,5,20,5],[19,6,20,6],[19,7,20,7],[19,8,20,8],[19,9,20,9],[1,3,4,3],[1,5,4,5],[1,6,4,6],[1,7,4,7],[1,9,4,9],[54,1,54,2],[44,13,45,13],[44,8,45,8],[44,9,45,9],[44,10,45,10],[44,11,45,11],[1,11,4,11],[19,11,20,11],[19,12,20,12],[19,13,20,13],[19,10,20,10],[44,7,45,7],[44,3,45,3],[44,4,45,4],[44,5,45,5],[44,6,45,6],[44,12,45,12]]}
[null,"UNDERLYING BASIS - CORE BUSINESS"]
[null,null,null,"Retail",null,"Commercial Banking",null,"Wealth, Asset Finance and Int'l",null,"Insurance ",null,"Group Operations and Central items",null,"Group "]
[]
[]
[null,2013]
[null,null,null,"£m ",null,"£m ",null,"£m ",null,"£m ",null,"£m ",null,"£m "]
[]
[null,"Net interest income",null,7525,"",2444,"",574,"",-107,"",202,"",10638,null,null,{"$f":"IF(IF(E8=\"\",TRUE,IF(CODE(E8)=150,TRUE,FALSE)),\"\",VALUE(SUBSTITUTE(E8,CHAR(160),\"\")))","v":""}]
[null,"Other income",null,1400,"",2480,"",1748,"",2220.9703221099999,"",113,"",7961.9703221099999,null,null,{"$f":"IF(IF(E9=\"\",TRUE,IF(CODE(E9)=150,TRUE,FALSE)),\"\",VALUE(SUBSTITUTE(E9,CHAR(160),\"\")))","v":""}]
[null,"Insurance claims",null,0,"",0,"",0,"",-355.97032211000004,"",0,"",-355.97032211000004,null,null,{"$f":"IF(IF(E10=\"\",TRUE,IF(CODE(E10)=150,TRUE,FALSE)),\"\",VALUE(SUBSTITUTE(E10,CHAR(160),\"\")))","v":""}]
[null,"Total underlying income",null,8925,"",4924,"",2322,"",1757.9999999999998,"",315,"",18244]
[null,"Total costs",null,-4092,"",-2307.1999999999998,"",-1658,"",-670,"",-421.76700000000005,"",-9148.9670000000006]
[null,"Impairment",null,-1059,"",-424,"",-32,"",0,"",-6,"",-1521]
[null,"Underlying profit (loss)",null,3774,"",2192.8000000000002,"",632,"",1087.9999999999998,"",-112.76700000000005,"",7574.0329999999994]
[null,null,null,null,null,null,null,null,null,null,""]
[null,"Banking net interest margin",null,2.4013200874758021E-2,null,2.5272001596080607E-2,null,8.9067832318827644E-2,null,null,null,null,null,2.4902169952849964E-2]
[null,"Asset quality ratio",null,3.3208079512415441E-3,null,3.9317378544293938E-3,null,4.9599556275124555E-3,null,null,null,null,null,3.4974857119260431E-3]
[null,"Return on risk-weighted assets",null,4.5458925560105994E-2,null,1.7447485677912163E-2,null,6.6666666666666666E-2,null,null,null,null,null,3.2639403602516597E-2]
[]
[null,"Key balance sheet items",null,"£bn ",null,"£bn ",null,"£bn ",null,"£bn ",null,"£bn ",null,"£bn "]
[null,"At 31 Dec 2013"]
[]
[null,"Loans and advances to customers¹",null,318.2,"",109.5,"",6.5,"","","",2.7,"",436.93489536125998]
[null,"Customer deposits²",null,268.97368167729996,"",121.03621820594,"",45.572212944699992,"","","",0,"",435.61299882700001]
[null,"Total customer balances",null,587.17368167730001,"",230.5,"",52.072212944699992,"","","",2.7,"",872.54789418825999]
[null,null,null,"","","","","","","","","","",""]
[null,"Risk-weighted assets",null,78.8,"",123.3,"",9,"","","",13.799999999999969,"",224.89999999999998]
[]
[]
[null,2012]
[null,null,null,"£m ",null,"£m ",null,"£m ",null,"£m ",null,"£m ",null,"£m "]
[]
[null,"Net interest income",null,7163,"",2242,"",312,"",-87,"",238,"",9868]
[null,"Other income",null,1446,"",2442,"",1964,"",2245,"",-315,"",7782]
[null,"Insurance claims",null,"– ","","– ","","– ","",-365,"","– ","",-365]
[null,"Total underlying income",null,8609,"",4684,"",2276,"",1793,"",-77,"",17285]
[null,"Total costs",null,-4193,"",-2232,"",-1795,"",-710,"",-324,"",-9254]
[null,"Impairment",null,-1192,"",-704,"",-22,"","– ","",-1,"",-1919]
[null,"Underlying profit (loss)",null,3224,"",1748,"",459,"",1083,"",-402,"",6112]
[]
[null,"Banking net interest margin",null,2.2499999999999999E-2,null,2.2200000000000001E-2,null,5.8999999999999997E-2,null,null,null,null,null,2.3199999999999998E-2]
[null,"Asset quality ratio",null,3.7000000000000002E-3,null,6.7000000000000002E-3,null,4.4999999999999997E-3,null,null,null,null,null,4.4000000000000003E-3]
[null,"Return on risk-weighted assets",null,3.5999999999999997E-2,null,1.3599999999999999E-2,null,5.0700000000000002E-2,null,null,null,null,null,2.5399999999999999E-2]
[]
[null,"Key balance sheet items",null,"£bn ",null,"£bn ",null,"£bn ",null,"£bn ",null,"£bn ",null,"£bn "]
[null,"At 31 Dec 2012"]
[]
[null,"Loans and advances to customers¹",null,317.3,"",102,"",5.3,"","","",0.7,"",425.3]
[null,"Customer deposits²",null,260.8,"",107.2,"",51,"","","",0.1,"",419.1]
[null,"Total customer balances",null,578.1,"",209.2,"",56.3,"","","",0.8,"",844.4]
[null,null,null,"","","","","","","","","",""]
[null,"Risk-weighted assets",null,86.6,"",127.8,"",9.6,"","","",13.4,"",237.4]
[]
[null,"Excludes reverse repos."]
[null,"Excludes repos."]

{"sheet":"p23","index":13,"n_rows":43,"n_cols":17,"rows_kept":43,"cut":false,"hidden":false,"merged":[[2,3,5,3],[18,13,19,13],[2,5,5,5],[2,6,5,6],[2,7,5,7],[2,9,5,9],[2,12,5,12],[2,13,5,13],[18,5,19,5],[18,6,19,6],[18,7,19,7],[24,3,25,3],[24,5,25,5],[24,6,25,6],[24,7,25,7],[2,11,5,11],[18,11,19,11],[18,3,19,3],[18,4,19,4],[18,8,19,8],[18,9,19,9],[38,8,39,8],[38,9,39,9],[24,9,25,9],[24,11,25,11],[24,12,25,12],[18,10,19,10],[18,12,19,12],[38,10,39,10],[38,11,39,11],[38,12,39,12],[38,13,39,13],[24,13,25,13],[38,3,39,3],[38,4,39,4],[38,5,39,5],[38,6,39,6],[38,7,39,7]]}
[null,"UNDERLYING BASIS - NON-CORE BUSINESS"]
[]
[null,null,null,"Retail",null,"Commercial Banking",null,"Wealth, Asset Finance and Int'l",null,"Insurance ",null,"Group Operations and Central items",null,"Group "]
[]
[]
[null,2013]
[null,null,null,"£m ",null,"£m ",null,"£m ",null,"£m ",null,"£m ",null,"£m "]
[]
[null,"Net interest income",null,11,"",-18,"",296,"",4,"",-46,"",247,null,null,{"$f":"IF(IF(E9=\"\",TRUE,IF(CODE(E9)=150,TRUE,FALSE)),\"\",VALUE(SUBSTITUTE(E9,CHAR(160),\"\")))","v":""}]
[null,"Other income",null,10,"",228,"",61,"",15,"",0,"",314,null,null,{"$f":"IF(IF(E10=\"\",TRUE,IF(CODE(E10)=150,TRUE,FALSE)),\"\",VALUE(SUBSTITUTE(E10,CHAR(160),\"\")))","v":""}]
[null,"Total underlying income",null,21,"",210,"",357,"",19,"",-46,"",561]
[null,"Total costs",null,-4,"",-85,"",-333,"",-17,"",-47,"",-486]
[null,"Impairment",null,-42,"",-743,"",-698,"",0,"",0,"",-1483]
[null,"Underlying (loss) profit",null,-25,"",-618,"",-674,"",2,"",-93,null,-1408]
[null,null,null,null,null,null,null,null,null,null,""]
[null,"Banking net interest margin",null,6.9457307887997924E-4,null,1.3513112876881279E-3,null,9.2372591717551928E-3,null,null,null,null,null,4.1000000000000003E-3]
[null,"Asset quality ratio",null,1.6575764993519502E-3,null,2.3227409702364664E-2,null,2.0309413193189286E-2,null,null,null,null,null,1.61E-2]
[]
[null,"Key balance sheet items",null,"£bn ",null,"£bn ",null,"£bn ",null,"£bn ",null,"£bn ",null,"£bn "]
[null,"At 31 Dec 2013"]
[]
[null,"Total non-core assets",null,23.736000000000001,"",21.318999999999999,"",18.181999999999999,"",0.28399999999999997,"",0,"",63.521000000000001]
[null,"Risk-weighted assets",null,6.8999999999999995,"",15.2,"",16.899999999999999,"","","",null,"",39]
[]
[]
[null,2012]
[null,null,null,"£m ",null,"£m ",null,"£m ",null,"£m ",null,"£m ",null,"£m "]
[]
[null,"Net interest income",null,32,"",-36,"",487,"",9,"",-25,"",{"$f":"L29+J29+H29+F29+D29","v":467}]
[null,"Other income",null,16,"",490,"",79,"",49,"",0,"",{"$f":"L30+J30+H30+F30+D30","v":634}]
[null,"Total underlying income",null,48,"",454,"",566,"",58,"",-25,"",{"$f":"L31+J31+H31+F31+D31","v":1101}]
[null,"Total costs",null,-6,"",-284,"",-496,"",-34,"",-50,"",{"$f":"L32+J32+H32+F32+D32","v":-870}]
[null,"Impairment",null,-78,"",-2242,"",-1458,"",0,"",0,"",{"$f":"L33+H33+F33+D33","v":-3778}]
[null,"Underlying (loss) profit",null,-36,"",-2072,"",-1388,"",24,"",-75,"",{"$f":"L34+J34+H34+F34+D34","v":-3547}]
[]
[null,"Banking net interest margin",null,1.1999999999999999E-3,null,3.5000000000000001E-3,null,1.1299999999999999E-2,null,null,null,null,null,5.4999999999999997E-3]
[null,"Asset quality ratio",null,2.8999999999999998E-3,null,4.2799999999999998E-2,null,3.4200000000000001E-2,null,null,null,null,null,3.0800000000000001E-2]
[]
[null,"Key balance sheet items",null,"£bn ",null,"£bn ",null,"£bn ",null,"£bn ",null,"£bn ",null,"£bn "]
[null,"At 31 Dec 2012"]
[]
[null,"Total non-core assets",null,26,"",43,"",28.9,"",0.5,"",0,"",98.4]
[null,"Risk-weighted assets",null,8.9,"",37.4,"",26.6,"","","","","",72.900000000000006]

{"sheet":"p24","index":14,"n_rows":49,"n_cols":16,"rows_kept":49,"cut":false,"hidden":false,"merged":[]}
[null,"UNDERLYING BASIS SEGMENTAL ANALYSIS (continued)"]
[]
[null,null,null,"Quarter ",null,"Quarter ",null,"Quarter ",null,"Quarter ",null,"Quarter "]
[null,null,null,"ended ",null,"ended ",null,"ended ",null,"ended ",null,"ended "]
[null,null,null,"30 June ",null,"30 Sept",null,"30 June ",null,"31 Mar ",null,"31 Dec "]
[null,null,null,"2013 ",null,"2013 ",null,"2013 ",null,"2013 ",null,"2012 "]
[null,null,null,"£m ",null,"£m ",null,"£m ",null,"£m ",null,"£m "]
[null,"Group"]
[]
[null,"Net interest income",null,2918,"",2761,"",2653,"",2553,"",2545,"",null,null,""]
[null,"Other income",null,1990.9703221099999,"",1879,"",1984,"",2422,"",2040,""]
[null,"Insurance claims",null,-122.97032211000004,"",-85,"",-62,"",-86,"",-30,""]
[null,"Total underlying income",null,4786,"",4555,"",4575,"",4889,"",4555,""]
[null,"Total underlying income excl. SJP",null,4671.9379860300005,null,4537,null,4525,null,4409,null,4448]
[null,"Total costs",null,-2524.9669999999996,"",-2361,"",-2341,"",-2408,"",-2587,""]
[null,"Impairment",null,-521,"",-670,"",-811,"",-1002,"",-1278,""]
[null,"Underlying profit",null,1740.0330000000004,"",1524,"",1423,"",1479,"",690,""]
[]
[null,"Banking net interest margin",null,2.2944066697875107E-2,null,2.1700000000000001E-2,null,"2.06% ",null,"1.96% ",null,"1.94% "]
[null,"Asset quality ratio",null,3.9536293448981944E-3,null,5.1000000000000004E-3,null,"0.57% ",null,"0.80% ",null,"0.96% "]
[null,"Return on risk-weighted assets",null,2.5548385150625429E-2,null,2.1399999999999999E-2,null,"1.93% ",null,"1.96% ",null,"0.87% "]
[]
[null,"Core"]
[]
[null,"Net interest income",null,2896,"",2711,"",2579,"",2452,"",2487,""]
[null,"Other income",null,1970.9703221099999,"",1803,"",1923,"",2265,"",1932,""]
[null,"Insurance claims",null,-122.97032211000004,"",-85,"",-62,"",-86,"",-30,""]
[null,"Total underlying income",null,4744,"",4429,"",4440,"",4631,"",4389,""]
[null,"Total underlying income excl. SJP",null,4629.9379860300005,null,4411,null,4390,null,4151,null,4282]
[null,"Total costs",null,-2428.9669999999996,"",-2252,"",-2199,"",-2269,"",-2341,""]
[null,"Impairment",null,-290,"",-324,"",-416,"",-491,"",-568,""]
[null,"Underlying profit",null,2025.0330000000004,"",1853,"",1825,"",1871,"",1480,""]
[]
[null,"Banking net interest margin",null,2.6434931912644496E-2,null,2.5399999999999999E-2,null,"2.43% ",null,"2.34% ",null,"2.33% "]
[null,"Asset quality ratio",null,2.3475315767428383E-3,null,3.2000000000000002E-3,null,"0.34% ",null,"0.51% ",null,"0.50% "]
[null,"Return on risk-weighted assets",null,3.55145087677156E-2,null,3.1899999999999998E-2,null,"3.11% ",null,"3.20% ",null,"2.47% "]
[]
[]
[null,"Non-core"]
[]
[null,"Net interest income",null,22,"",50,"",74,"",101,"",58,""]
[null,"Other income",null,20,"",76,"",61,"",157,"",108,""]
[null,"Total underlying income",null,42,"",126,"",135,"",258,"",166,""]
[null,"Total costs",null,-96,"",-109,"",-142,"",-139,"",-246,""]
[null,"Impairment",null,-231,"",-346,"",-395,"",-511,"",-710,""]
[null,"Underlying loss",null,-285,"",-329,"",-402,"",-392,"",-790,""]
[]
[null,"Banking net interest margin",null,4.0480154171103509E-3,null,4.1000000000000003E-3,null,"0.37% ",null,"0.44% ",null,"0.37% "]
[null,"Asset quality ratio",null,1.2889780100452696E-2,null,1.41E-2,null,"1.62% ",null,"2.03% ",null,"2.80% "]

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[]
[null,"Net interest income",null,null,"",null,"",null,"",7536,null,7195,null,4.7394023627519113,null,"",null,null,null,null,""]
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[null,"Total underlying income",null,null,"",null,"",null,"",8946,null,8657,null,3.3383389164837705,null,null,null,null,null,null,""]
[null,"Total costs",null,null,"",null,"",null,"",-4096,null,-4199,null,2.4529649916646821,null,null,null,null,null,null,""]
[null,"Impairment",null,null,"",null,"",null,"",-1101,null,-1270,null,13.307086614173228,null,null,null,null,null,null,""]
[null,"Underlying profit",null,null,"",null,"",null,"",3749,null,3188,null,17.597239648682557,null,null,null,null,null,null,""]
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[null,"Banking net interest margin",null,null,null,null,null,null,null,2.2289214032413372E-2,null,2.0799999999999999E-2,null,"15bp",null,null,null,null,null,null,""]
[null,"Asset quality ratio",null,null,null,null,null,null,null,3.1978111984385621E-3,null,3.5999999999999999E-3,null,"(4)bp",null,null,null,null,null,null,""]
[null,"Return on risk-weighted assets",null,null,null,null,null,null,null,4.1089434458570794E-2,null,3.2099999999999997E-2,null,"90bp",null,null,null,null,null,null,""]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,""]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,""]
[null,null,null,null,null,null,null,null,null,null,null,null,null,"Change ",null,null,null,null,null,null,""]
[null,null,null,null,null,null,null,null,null,"At ",null,"At ",null,null,null,null,null,null,null,null,""]
[null,null,null,null,null,null,null,null,null,"31 Dec ",null,"31 Dec ",null,null,null,null,null,null,null,null,""]
[null,null,null,null,null,null,null,null,null,"2013 ",null,"2012 ",null,"% ",null,null,null,null,null,null,""]
[null,"Key balance sheet items",null,null,null,null,null,null,null,"£bn ",null,"£bn ",null,null,null,null,null,null,null,null,""]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,""]
[null,"Loans and advances to customers2",null,null,"",null,"",null,null,341.9,null,343.3,null,0,null,null,null,null,null,null,""]
[null,"Customer deposits3",null,null,"",null,"",null,null,268.97368167729996,null,260.8,null,3.1340803977377116,null,null,null,null,null,null,""]
[null,"Total customer balances",null,null,"",null,"",null,null,610.87368167729994,null,604.1,null,1.1212848331898557,null,null,null,null,null,null,""]
[]
[null,"Risk-weighted assets",null,null,"",null,"",null,null,85.7,null,95.5,null,-10.261780104712038]
[]
[null,null,null,"","","","","",null,null,null,null,null,null,null,null,null,null,null,null,""]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,""]
[null,null,null,"Core",null,null,null,null,null,"Non-core"]
[null,null,null,2013,null,2012,null,"Change",null,2013,null,2012,null,"Change"]
[null,null,null,"£m",null,"£m",null,"%",null,"£m",null,"£m",null,"%"]
[null,"Net interest income",null,7525,"",7163,"",5.0537484294290103,"",11,"",32,"",-65.625]
[null,"Other income",null,1400,"",1446,"",-3.18118948824343,"",10,"",16,"",-37.5]
[null,"Total underlying income",null,8925,"",8609,"",3.6705773028226272,"",21,"",48,"",-56.25]
[null,"Total costs",null,-4092,"",-4193,"",2.4087765323157644,"",-4,"",-6,"",33.333333333333329]
[null,"Impairment",null,-1059,"",-1192,"",11.15771812080537,"",-42,"",-78,"",46.153846153846153]
[null,"Underlying profit (loss)",null,3774,"",3224,"",17.05955334987593,"",-25,"",-36,"",31]
[]
[null,"Banking net interest margin",null,2.4013200874758021E-2,null,2.2499999999999999E-2,null,"15bp",null,6.9457307887997924E-4,null,1.1999999999999999E-3,null,"(5)bp"]
[null,"Asset quality ratio",null,3.3208079512415441E-3,null,3.7000000000000002E-3,null,"(4)bp",null,1.6575764993519502E-3,null,2.8999999999999998E-3,null,"(12)bp"]
[null,"Return on risk-weighted assets",null,4.5458925560105994E-2,null,3.5999999999999997E-2,null,"95bp"]
[]
[]
[null,null,null,"Core",null,null,null,null,null,"Non-core"]
[null,null,null,"At ",null,"At ",null,"Change ",null,"At ",null,"At ",null,"Change "]
[null,null,null,"31 Dec ",null,"31 Dec ",null,null,null,"31 Dec ",null,"31 Dec "]
[null,null,null,"2013 ",null,"2012 ",null,null,null,"2013 ",null,"2012 "]
[null,"Key balance sheet items",null,"£bn ",null,"£bn ",null,"% ",null,"£bn ",null,"£bn ",null,"% "]
[]
[null,"Loans and advances to customers2",null,318.2,"",317.3,"",0,null,23.7,"",26,"",-8.8461538461538503]
[null,"Customer deposits3",null,268.97368167729996,"",260.8,"",3.1340803977377116,null,0,"",0,"",0]
[null,"Total customer balances",null,587.17368167730001,"",578.1,"",1.569569568811622,null,23.7,"",26,"",-8.8461538461538503]
[null,null,null,"","","","","",null,"","","","",""]
[null,"Total non-core assets",null,null,null,null,null,null,null,23.736000000000001,null,26,null,-8.7076923076923052]
[null,"Risk-weighted assets",null,78.8,"",86.6,"",-9.0069284064665105,null,6.8999999999999995,"",8.9,"",-22.471910112359559]
[]
[]
[1,"Restated."]
[2,"Excludes reverse repos."]
[3,"Excludes repos."]

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[null,"Commercial Banking"]
[]
[null,null,null,null,null,null,null,null,null,2013,null,"2012 1",null,"Change "]
[null,null,null,null,null,null,null,null,null,"£m ",null,"£m ",null,"% "]
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[null,"Net interest income",null,null,null,null,null,null,"",2426,"",2206,"",9.9728014505893032,null,""]
[null,"Other income",null,null,null,null,null,null,"",2708,"",2932,"",-7.6398362892223739]
[null,"Total underlying income",null,null,null,null,null,null,"",5134,"",5138,"",0]
[null,"Total costs",null,null,null,null,null,null,"",-2392.1999999999998,"",-2516,"",4.9205087440381625]
[null,"Impairment",null,null,null,null,null,null,"",-1167,"",-2946,"",60.386965376782072]
[null,"Underlying profit",null,null,null,null,null,null,"",1574.8000000000002,"",-324,""]
[]
[null,"Banking net interest margin",null,null,null,null,null,null,null,1.9485029129443311E-2,null,1.5800000000000002E-2,null,"37bp"]
[null,"Asset quality ratio",null,null,null,null,null,null,null,8.2997092357689779E-3,null,1.8499999999999999E-2,null,"(102)bp"]
[null,"Return on risk-weighted assets",null,null,null,null,null,null,null,1.0400211332716947E-2,null,"(0.18)% ",null,"122bp"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,""]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,""]
[null,null,null,null,null,null,null,null,null,"At ",null,"At ",null,"Change "]
[null,null,null,null,null,null,null,null,null,"31 Dec ",null,"31 Dec "]
[null,null,null,null,null,null,null,null,null,"2013 ",null,"2012 "]
[null,"Key balance sheet items",null,null,null,null,null,null,null,"£bn ",null,"£bn ",null,"% "]
[]
[null,"Loans and advances to customers2",null,null,null,null,null,null,null,126.4,"",134.69999999999999,"",-6.1618411284335446]
[null,"Debt securities and available-for-sale financial assets",null,null,null,null,null,null,null,4.0999999999999996,"",9.5,"",-56.84210526315789]
[null,null,null,null,null,null,null,null,null,130.5,"",144.19999999999999,"",-9.5006934812759987]
[]
[null,"Customer deposits3",null,null,null,null,null,null,null,123.53621820594,"",109.7,"",12.612778674512306]
[null,"Risk-weighted assets",null,null,null,null,null,null,null,138.5,"",165.2,"",-16.162227602905563]
[]
[null,null,null,"","","","","",null,null,null,null,null,null,null,null,null,null,""]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,""]
[null,null,null,"Core",null,null,null,null,null,"Non-core"]
[null,null,null,2013,null,2012,null,"Change",null,2013,null,2012,null,"Change"]
[null,null,null,"£m",null,"£m",null,"%",null,"£m",null,"£m",null,"%"]
[null,"Net interest income",null,2444,"",2242,"",9.0098126672613752,"",-18,"",-36,"",50]
[null,"Other income",null,2480,"",2442,"",1.5561015561015561,"",228,"",490,"",-53.469387755102041]
[null,"Total underlying income",null,4924,"",4684,"",5.123825789923143,"",210,"",454,"",-53.744493392070481]
[null,"Total costs",null,-2307.1999999999998,"",-2232,"",-3.3691756272401356,"",-85,"",-284,"",70.070422535211264]
[null,"Impairment",null,-424,"",-704,"",39.772727272727273,"",-743,"",-2242,"",66.859946476360392]
[null,"Underlying profit (loss)",null,2192.8000000000002,"",1748,"",25.446224256292915,"",-618,"",-2072,"",70.173745173745175]
[]
[null,"Banking net interest margin",null,2.5272001596080607E-2,null,2.2200000000000001E-2,null,"31bp",null,1.3513112876881279E-3,null,3.5000000000000001E-3,null,"(21)bp"]
[null,"Asset quality ratio",null,3.9317378544293938E-3,null,6.7000000000000002E-3,null,"(28)bp",null,2.3227409702364664E-2,null,4.2799999999999998E-2,null,"(196)bp"]
[null,"Return on risk-weighted assets",null,1.7447485677912163E-2,null,1.3599999999999999E-2,null,"38bp"]
[]
[]
[null,null,null,"Core",null,null,null,null,null,"Non-core"]
[null,null,null,"At ",null,"At ",null,"Change ",null,"At ",null,"At ",null,"Change "]
[null,null,null,"31 Dec ",null,"31 Dec ",null,null,null,"31 Dec ",null,"31 Dec "]
[null,null,null,"2013 ",null,"2012 ",null,null,null,"2013 ",null,"2012 "]
[null,"Key balance sheet items",null,"£bn ",null,"£bn ",null,"% ",null,"£bn ",null,"£bn ",null,"% "]
[]
[null,"SME4",null,28.2,null,26.6,null,6.0150375939849541]
[null,"Other5",null,81.3,null,75.400000000000006,null,7.8249336870026402]
[null,"Loans and advances to customers2",null,109.5,"",102,"",7.3529411764705888,null,16.899999999999999,"",32.700000000000003,"",-48.318042813455662]
[null,"Customer deposits3",null,121.03621820594,"",107.2,"",12.906919968227612,null,2.5,"",2.5,"",0]
[null,"Total customer balances",null,230.53621820594,"",209.2,"",10.198957077409185,null,19.399999999999999,"",35.200000000000003,"",-44.886363636363647]
[null,null,null,"","","","","",null,"","","","",""]
[null,"Total non-core assets",null,null,null,null,null,null,null,21.318999999999999,null,43,null,-50.420930232558135]
[null,"Risk-weighted assets",null,123.3,"",127.8,"",-4,null,15.2,"",37.4,"",-59.358288770053477]
[]
[]
[]
[1,"Restated."]
[2,"Excludes reverse repos."]
[3,"Excludes repos."]
[4,"SME comprises clients with turnover of up to £25 million in line with lending data supplied by the Bank of England."]
[5,"Includes Mid Markets, Global Corporates, Financial Institutions and Other."]

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[null,"Wealth, Asset Finance and International"]
[]
[null,null,null,null,null,null,null,null,null,"Excluding St. James's Place"]
[null,null,null,"2013 ",null,"2012 1",null,"Change ",null,"2013 ",null,"2012 1",null,"Change "]
[null,null,null,"£m ",null,"£m ",null,"% ",null,"£m ",null,"£m ",null,"% "]
[]
[null,"Net interest income",null,870,"",799,"",8.8861076345431798,"",868.93798603000005,null,795,null,9.3003756012578673,null,""]
[null,"Other income",null,1809,"",2043,"",-11.453744493392071,"",1688,null,1718,null,-1.7462165308498252]
[null,"Total underlying income",null,2679,"",2842,"",-5.7353976073187898,"",2556.93798603,null,2513,null,1.7484276175885414]
[null,"Total costs",null,-1991,"",-2291,"",13.094718463553034,"",-1947,null,-2123,null,8.2901554404145088]
[null,"Impairment",null,-730,"",-1480,"",50.675675675675677,"",-730,null,-1480,null,50.675675675675677]
[null,"Underlying loss",null,-42,"",-929,"",95.479009687836381,"",-120.06201396999995,null,-1090,null,88.985136333027526]
[null,"Underlying profit by business:"]
[null,"Wealth",null,338,null,302,null,11.920529801324504,null,260,null,141,null,84.39716312056737]
[null,"Asset Finance",null,505,null,322,null,56.832298136645967,null,505,null,322,null,56.832298136645967]
[null,"International",null,-885,null,-1553,null,43.01352221506761,null,-885,null,-1553,null,43.01352221506761]
[null,null,null,-42,null,-929,null,95.479009687836381,null,-120,null,-1090,null,88.9908256880734]
[]
[null,"Banking net interest margin",null,2.1958599640829177E-2,null,1.6500000000000001E-2,null,"55bp",null,2.1958599640829177E-2,null,1.6500000000000001E-2,null,"55bp"]
[null,"Asset quality ratio",null,1.78642809929432E-2,null,3.1199999999999999E-2,null,"(133)bp",null,1.78642809929432E-2,null,3.1199999999999999E-2,null,"(133)bp"]
[null,"Return on risk-weighted assets",null,"(0.13)% ",null,"(2.31)% ",null,"218bp",null,"(0.38)% ",null,"(2.71)% ",null,"(233)bp"]
[]
[]
[]
[null,null,null,"At ",null,"At ",null,"Change "]
[null,null,null,"31 Dec ",null,"31 Dec "]
[null,null,null,"2013 ",null,"2012 "]
[null,"Key balance sheet items",null,"£bn ",null,"£bn ",null,"% "]
[]
[null,"Loans and advances to customers2",null,24.2,"",33.4,"",-27.54491017964072]
[null,"Customer deposits2",null,45.772212944699994,"",51.9,"",-11.806911474566482]
[null,"Operating lease assets",null,2.8,null,2.8]
[null,"Total customer balances",null,72.772212944699987,"",88.1,"",-17.398169188762779]
[]
[null,"Risk-weighted assets",null,25.9,"",36.200000000000003,"",-28.453038674033159]
[]
[null,null,null,"","","","",""]
[]
[null,null,null,"Core",null,null,null,null,null,"Non-core"]
[null,null,null,"2013 ",null,"2012 1",null,"Change ",null,"2013 ",null,2012,null,"Change "]
[null,null,null,"£m ",null,"£m ",null,"% ",null,"£m ",null,"£m ",null,"% "]
[]
[null,"Net interest income",null,574,"",312,"",83.974358974358978,"",296,"",487,"",-39.219712525667347]
[null,"Other income",null,1748,"",1964,"",-10.997963340122199,"",61,"",79,"",-22.784810126582279]
[null,"Total underlying income",null,2322,"",2276,"",2.0210896309314585,"",357,"",566,"",-36.925795053003533]
[null,"Total costs",null,-1658,"",-1795,"",7.6323119777158777,"",-333,"",-496,"",32.862903225806448]
[null,"Impairment",null,-32,"",-22,"",-45.454545454545453,"",-698,"",-1458,"",52.12620027434842]
[null,"Underlying profit",null,632,"",459,"",37.690631808278866,"",-674,"",-1388,"",-51.440922190201732]
[null,"Underlying profit excluding St. James's Place3",null,554,null,298,null,85.90604026845638]
[]
[null,"Banking net interest margin",null,8.9067832318827644E-2,null,5.8999999999999997E-2,null,"301bp",null,9.2372591717551928E-3,null,1.1299999999999999E-2,null,"(21)bp"]
[null,"Asset quality ratio",null,4.9599556275124555E-3,null,4.4999999999999997E-3,null,"5bp",null,2.0309413193189286E-2,null,3.4200000000000001E-2,null,"(139)bp"]
[null,"Return on risk-weighted assets",null,6.6666666666666666E-2,null,5.0700000000000002E-2,null,"160bp"]
[]
[]
[null,null,null,"Core",null,null,null,null,null,"Non-core"]
[null,null,null,"At ",null,"At ",null,"Change ",null,"At ",null,"At ",null,"Change "]
[null,null,null,"31 Dec ",null,"31 Dec ",null,null,null,"31 Dec ",null,"31 Dec "]
[null,null,null,"2013 ",null,"2012 ",null,null,null,"2013 ",null,"2012 "]
[null,"Key balance sheet items",null,"£bn ",null,"£bn ",null,"% ",null,"£bn ",null,"£bn ",null,"% "]
[]
[null,"Loans and advances to customers2",null,6.5,"",5.3,"",22.641509433962266,null,17.7,"",28.1,"",-37.010676156583635]
[null,"Customer deposits2",null,45.572212944699992,"",51,"",-10.642719716274526,null,0.2,"",0.9,"",-77.777777777777771]
[null,"Operating lease assets",null,2.8,null,2.7,null,3.7037037037036904,null,0,null,0.1]
[null,"Total customer balances",null,54.872212944699989,"",59,"",-6.9962492462712049,null,17.899999999999999,"",29.1,"",-38]
[null,null,null,"","","","","",null,"","","","",""]
[null,"Total non-core assets",null,null,null,null,null,null,null,18.181999999999999,null,28.9,null,-37.086505190311421]
[null,"Risk-weighted assets",null,9,"",9.6,"",-6.2499999999999964,null,16.899999999999999,"",26.6,"",-36.466165413533844]
[null,"Funds under management",null,151.80000000000001,null,188.6,null,-19.512195121951212,null,0,null,0.5]
[]
[]
[1,"Restated."]
[2,"Excludes reverse repos on loans and advances and excluding repos on deposits."]
[3,"The gain relating to the sales of shares in St. James’s Place is included in Central items."]

{"sheet":"Ins","index":18,"n_rows":52,"n_cols":21,"rows_kept":52,"cut":false,"hidden":false,"merged":[[23,3,23,11],[41,3,41,11],[1,1,2,1],[1,2,1,3],[1,8,2,8],[1,10,2,10],[2,2,2,3]]}
[null,"Insurance"]
[]
[null,null,null,null,null,null,null,null,null,2013,null,"2012 1",null,"Change "]
[null,null,null,null,null,null,null,null,null,"£m ",null,"£m ",null,"% "]
[]
[null,"Net interest income",null,null,null,null,null,null,"",-103,"",-78,"",-32,null,{"$f":"IF(IF(K6=\"\",TRUE,IF(CODE(K6)=150,TRUE,FALSE)),\"\",VALUE(SUBSTITUTE(K6,CHAR(160),\"\")))","v":""}]
[null,"Other income",null,null,null,null,null,null,"",2235.9703221099999,"",2294,"",-2.5296285043592035]
[null,"Insurance claims",null,null,null,null,null,null,null,-355.97032211000004,null,-365,null,2.4738843534246464]
[null,"Total underlying income",null,null,null,null,null,null,"",1776.9999999999998,"",1851,"",-3.9978390059427458]
[null,"Total costs",null,null,null,null,null,null,"",-687,"",-744,"",7.661290322580645]
[null,"Underlying profit",null,null,null,null,null,null,"",1089.9999999999998,"",1107,"",-1.5356820234869222]
[]
[null,"Operating cash generation",null,null,null,null,null,null,null,692,null,844,null,-18.009478672985782]
[null,"UK Life IFRS new business margin",null,null,null,null,null,null,null,2.5999999999999999E-2,null,3.2000000000000001E-2,null,"(60)bp"]
[null,"UK Life, pensions and investment sales (PVNBP)",null,null,null,null,null,null,null,9934,null,10005,null,-0.70964517741129429]
[null,"General Insurance total GWP",null,null,null,null,null,null,null,1307,null,1419,null,-7.8928823114869626]
[null,"General Insurance combined ratio",null,null,null,null,null,null,null,0.77,null,0.72,null,"5pp"]
[null,"Return on equity2",null,null,null,null,null,null,null,0.13,null,0.12,null,"1pp"]
[null,null,null,"","","","","",null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(IF(M19=\"\",TRUE,IF(CODE(M19)=150,TRUE,FALSE)),\"\",VALUE(SUBSTITUTE(M19,CHAR(160),\"\")))","v":""}]
[1,"Restated."]
[2,"Return on Equity’ is the underlying profit less tax at the prevailing UK Corporation tax rate divided by the average amount of the Group’s equity attributable to the Insurance business."]
[]
[null,"IFRS underlying profit by product group"]
[null,null,null,2013,null,null,null,null,null,null,null,null,null,2012]
[null,null,null,"Pensions & investments",null,"Protection & annuities",null,"General Insurance",null,"Other1",null,"Total",null,"Total"]
[null,null,null,"£m",null,"£m",null,"£m",null,"£m",null,"£m",null,"£m"]
[null,"New business income",null,276,null,139,null,0,null,16,null,431,null,519]
[null,"Existing bussiness income",null,599,null,132,null,0,null,92,null,823,null,791]
[null,"Assumption changes and experience variances",null,-158,null,302,null,0,null,-78,null,66,null,-31]
[null,"General Insurance income net of claims",null,0,null,0,null,457,null,0,null,457,null,572]
[null,"Total underlying income",null,717,null,573,null,457,null,30,null,1777,null,1851]
[null,"Total costs",null,-360,null,-128,null,-160,null,-39,null,-687,null,-744]
[null,"Underlying profit",null,357,null,445,null,297,null,-9,null,1090,null,1107]
[]
[null,"Underlying profit 20122",null,404,null,289,null,409,null,5,null,1107]
[]
[1,"'Other’ includes the results of the European business in addition to income from return on free assets, interest expense and certain provisions."]
[2,"Full 2012 comparator tables for the profit and cash disclosures can be found on the Lloyds Banking Group investor site."]
[]
[]
[null,"Operating cash generation"]
[null,null,null,2013,null,null,null,null,null,null,null,null,null,2012]
[null,null,null,"Pensions & investments",null,"Protection & annuities",null,"General Insurance",null,"Other",null,"Total",null,"Total"]
[null,null,null,"£m",null,"£m",null,"£m",null,"£m",null,"£m",null,"£m"]
[null,"Cash invested in new business",null,-261,null,-3,null,0,null,-21,null,-285,null,-264]
[null,"Cash generated from existing business",null,485,null,139,null,0,null,56,null,680,null,704]
[null,"Cash generated from General Insurance",null,0,null,0,null,374,null,0,null,374,null,409]
[null,"Change in intra group commission terms",null,0,null,0,null,-77,null,0,null,-77,null,0]
[null,"Operating cash generation",null,224,null,136,null,297,null,35,null,692,null,849]
[null,"Intangibles and other adjustments",null,133,null,309,null,0,null,-44,null,398,null,258]
[null,"Underlying profit (loss) before tax",null,357,null,445,null,297,null,-9,null,1090,null,1107]
[null,"Operating cash generation 2012",null,223,null,184,null,409,null,33]

{"sheet":"Ins (2012)","index":19,"n_rows":32,"n_cols":21,"rows_kept":32,"cut":false,"hidden":false,"merged":[[4,2,4,6],[22,2,22,6]]}
[null,"Insurance"]
[]
[]
[null,"Profit by Product"]
[null,null,2012]
[null,null,"Pensions & Investments","Protection & Annuities","General Insurance","Other","Total"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(IF(K7=\"\",TRUE,IF(CODE(K7)=150,TRUE,FALSE)),\"\",VALUE(SUBSTITUTE(K7,CHAR(160),\"\")))","v":""}]
[null,"New Business Income",269,214,0,36,519]
[null,"Existing Business income",590,87,0,114,791]
[null,"Assumption changes and experience variances",-77,83,0,-37,-31]
[null,"General Insurance income, net of claims",0,0,572,0,572]
[]
[null,"Total underlying income",782,384,572,113,1851]
[null,"Total costs",-378,-95,-163,-108,-744]
[null,"Underlying profit 2012",404,289,409,5,1107]
[]
[]
[]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(IF(M20=\"\",TRUE,IF(CODE(M20)=150,TRUE,FALSE)),\"\",VALUE(SUBSTITUTE(M20,CHAR(160),\"\")))","v":""}]
[]
[null,"Operating Cash Generation"]
[null,null,2012]
[null,null,"Pensions & Investments","Protection & Annuities","General Insurance","Other","Total"]
[]
[null,"Cash invested in new business",-263,36,0,-37,-264]
[null,"Cash generated from existing business",486,148,0,70,704]
[null,"Cash generated from General Insurance",0,0,409,0,409]
[]
[null,"Operating cash generation",223,184,409,33,849]
[null,"Intangibles and other adjustments",null,null,null,null,258]
[null,null,null,null,null,null,1107]

{"sheet":"Grp Ops CI","index":20,"n_rows":25,"n_cols":23,"rows_kept":25,"cut":false,"hidden":false,"merged":[[2,2,2,3],[18,2,18,3],[16,1,16,8]]}
[null,"Group Operations"]
[]
[null,null,"2013 ",null,null,"2012 1"]
[null,null,null,"£m ",null,"£m "]
[]
[null,"Total underlying income",null,6,"",30,"","",null,null,null,null,null,null,null,null,null,null,null,null,null,null,""]
[null,"Direct costs:",null,"","","","","",null,null,null,null,null,null,null,null,null,null,null,null,null,null,""]
[null,"Information technology",null,-1172,"",-1171,"","",null,null,null,null,null,null,null,null,null,null,null,null,null,null,""]
[null,"Operations",null,-825,"",-822,"","",null,null,null,null,null,null,null,null,null,null,null,null,null,null,""]
[null,"Property",null,-876,"",-892,"","",null,null,null,null,null,null,null,null,null,null,null,null,null,null,""]
[null,"Support functions",null,-92,"",-92,"","",null,null,null,null,null,null,null,null,null,null,null,null,null,null,""]
[null,null,null,-2965,"",-2977,"","",null,null,null,null,null,null,null,null,null,null,null,null,null,null,""]
[null,"Result before recharges to divisions",null,-2959,"",-2947,"","",null,null,null,null,null,null,null,null,null,null,null,null,null,null,""]
[null,"Total net recharges to divisions",null,2902,"",2896,"","",null,null,null,null,null,null,null,null,null,null,null,null,null,null,""]
[null,"Underlying loss",null,-57,"",-51,"","",null,null,null,null,null,null,null,null,null,null,null,null,null,null,""]
[]
[1,"2012 comparative figures have been amended to reflect the effect of the continuing consolidation of operations across the Group.  To ensure a fair comparison of the 2013 performance, 2012 direct costs have been restated with an equivalent offsetting increase in recharges to divisions."]
[null,"Central Items"]
[null,null,"2013 ",null,null,"2012 "]
[null,null,null,"£m ",null,"£m "]
[]
[null,"Total underlying income (expense)",null,263,"",-132,"","",null,""]
[null,"Total costs",null,-405.76700000000005,"",-293,"","",null,""]
[null,"Impairment",null,-6,"",-1,"","",null,""]
[null,"Underlying (loss) profit",null,-148.76700000000005,"",-426,"","",null,""]

{"sheet":"p35","index":21,"n_rows":37,"n_cols":29,"rows_kept":37,"cut":false,"hidden":false,"merged":[[37,1,37,15],[34,1,34,3],[35,1,35,13],[2,4,2,13],[17,4,17,13],[33,1,33,15],[32,1,32,15],[36,1,36,15],[10,1,10,2]]}
[null,"Reconciliation between statutory and underlying basis results "]
[]
[null,null,null,null,"Removal of:"]
[null,null,null,"Lloyds ",null,"Acquisition ",null,"Volatility "]
[null,2013,null,"Banking ",null,"related and ",null,"arising in ",null,null,null,"Legal and "]
[null,null,null,"Group ",null,"other  items1",null,"insurance ",null,"Insurance ",null,"regulatory ",null,"Fair value ",null,"Underlying "]
[null,null,null,"statutory ",null,null,null,"businesses",null,"gross up ",null,"provisions2 ",null,"unwind ",null,"basis "]
[null,null,null,"£m ",null,"£m ",null,"£m ",null,"£m ",null,"£m ",null,"£m ",null,"£m "]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"","","","","","","","","","",""]
[null,"Net interest income",null,7338,"",-14,"",0,"",2930,"",0,"",631,"",10885,null,null,""]
[null,"Other income, net of insurance claims",null,11140,"",460,"",-668,"",-3074,"",0,"",62,"",7920]
[null,"Total underlying income",null,18478,"",446,"",-668,"",-144,"",0,"",693,"",18805]
[null,"Operating expenses3",null,-15322,"",2041,"",0,"",144,"",3455,"",47,"",-9635]
[null,"Impairment",null,-2741,"",249,"",0,"",0,"",0,"",-512,"",-3004]
[null,"Profit (loss)",null,415,"",2736,"",-668,"",0,"",3455,"",228,"",6166]
[]
[]
[null,null,null,null,"Removal of:"]
[null,null,null,"Lloyds ",null,null,null,"Volatility "]
[null,2012,null,"Banking ",null,"Acquisition ",null,"arising in ",null,null,null,"Legal and "]
[null,null,null,"Group ",null,"related and ",null,"insurance ",null,"Insurance ",null,"regulatory ",null,"Fair value ",null,"Underlying "]
[null,null,null,"statutory4",null,"other items5",null,"businesses ",null,"gross up4",null,"provisions2 ",null,"unwind ",null,"basis "]
[null,null,null,"£m ",null,"£m ",null,"£m ",null,"£m ",null,"£m ",null,"£m ",null,"£m "]
[]
[null,"Net interest income",null,7718,"",-199,"",-8,"",2587,"",0,"",237,"",10335]
[null,"Other income, net of insurance claims",null,12799,"",-1691,"",-304,"",-2760,"",50,"",-43,"",8051]
[null,"Total underlying income",null,20517,"",-1890,"",-312,"",-173,"",50,"",194,"",18386]
[null,"Operating expenses3",null,-15974,"",1478,"",0,"",173,"",4175,"",24,"",-10124]
[null,"Impairment",null,-5149,"",320,"",0,"",0,"",0,"",-868,"",-5697]
[null,"Profit (loss)",null,-606,"",-92,"",-312,"",0,"",4225,"",-650,"",2565]
[]
[]
[1,"Comprises the effects of asset sales (gain of £100 million), volatile items (loss of £678 million), liability management (loss of £142 million),  Simplification costs related to severance, IT and business costs of implementation (£830 million), EC mandated retail business disposal costs (£687 million), the past service pensions charge (£104 million) and the amortisation of purchased intangibles (£395 million)."]
[2,"Comprises the payment protection insurance provision of £3,050 million (2012: £3,575 million) and other regulatory provisions of £405 million (2012: £650 million)."]
[3,"On an underlying basis, this is described as total costs."]
[4,"Restated to reflect the implementation of IAS 19 and IFRS 10.  See page 123."]
[5,"Comprises the effects of asset sales (gain of £2,547 million), volatile items (loss of £748 million), liability management (loss of £229 million), Simplification costs (£676 million), EC mandated retail business disposal costs (£570 million), the past service pensions credit (£250 million) and the amortisation of purchased intangibles (£482 million)."]

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[null,"Banking net interest margin"]
[]
[null,null,null,"2013 ",null,"2012 "]
[null,null,null,"£m ",null,"£m "]
[]
[null,"Banking net interest income – underlying basis",null,10840.963289404457,"",10480,"",null,null,{"$f":"IF(IF(E6=\"\",TRUE,IF(CODE(E6)=150,TRUE,FALSE)),\"\",VALUE(SUBSTITUTE(E6,CHAR(160),\"\")))","v":""}]
[null,"Insurance division",null,-103,"",-78,""]
[null,"Other net interest income (including trading activity)",null,147.0367105955429,"",-67,""]
[null,"Group net interest income – underlying basis",null,10885,"",10335,"",null,null,null,null,null,null,null,null,{"$f":"IF(IF(J9=\"\",TRUE,IF(CODE(J9)=150,TRUE,FALSE)),\"\",VALUE(SUBSTITUTE(J9,CHAR(160),\"\")))","v":""}]
[null,"Fair value unwind",null,-631,"",-237,"",null,null,null,null,null,null,null,null,""]
[null,"Banking volatility and liability management gains",null,14,"",199,"",null,null,null,null,null,null,null,null,""]
[null,"Insurance gross up",null,-2930,"",-2587,"",null,null,null,null,null,null,null,null,""]
[null,"Volatility arising in insurance businesses",null,0,"",8,"",null,null,null,null,null,null,null,null,""]
[null,"Group net interest income – statutory",null,7338,"",7718,"",null,null,null,null,null,null,null,null,""]
[]
[]
[null,"Volatility arising in insurance businesses"]
[]
[null,null,null,"2013 ",null,"2012 "]
[null,null,null,"£ million ",null,"£ million "]
[]
[null,"Insurance volatility",null,218,"",189]
[null,"Policyholder interests volatility1",null,564,"",143]
[null,"Total volatility",null,782,"",332]
[null,"Insurance hedging arrangements",null,-114,"",-20]
[null,"Total",null,668,"",312]
[]
[1,"Includes volatility relating to the Group’s interest in St. James’s Place.",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"On an underlying basis, this is described as total costs.",null,null,3,"On an underlying basis, this is described as total costs.",null,null,3,"On an underlying basis, this is described as total costs.",null,null,3,"On an underlying basis, this is described as total costs."]
[]
[null,"Insurance volatility"]
[]
[null,"United Kingdom",null,"2013 ",null,"2012 "]
[null,null,null,"% ",null,"% "]
[]
[null,"Investments backing annuity liabilities",null,3.83,"",3.89]
[null,"Equities and property",null,5.58,"",5.48]
[null,"UK Government bonds",null,2.58,"",2.48]
[null,"Corporate bonds",null,3.18,"",3.08]

{"sheet":"p38","index":23,"n_rows":13,"n_cols":6,"rows_kept":13,"cut":false,"hidden":false,"merged":[]}
[null,"Number of employees (full-time equivalent)"]
[]
[null,null,null,2013,null,2012]
[]
[null,"Retail",null,40276,null,41460]
[null,"Commercial Banking",null,7718,null,8051]
[null,"Wealth, Asset Finance and International",null,6960,null,9131]
[null,"Insurance",null,2373,null,2293]
[null,"Group Operations",null,21602,null,23666]
[null,"Central items",null,12386,null,12490]
[null,null,null,91315,null,97091]
[null,"Agency staff (full-time equivalent)",null,-2338,null,-4303]
[null,"Total number of employees (full-time equivalent)",null,88977,null,92788]

{"sheet":"p42p43","index":24,"n_rows":73,"n_cols":18,"rows_kept":73,"cut":false,"hidden":false,"merged":[]}
[]
[null,"Impairment charge by division"]
[]
[]
[null,null,null,"2013 ",null,"2012 ",null,"Change "]
[null,"Group",null,"£m ",null,"£m ",null,"% "]
[null,null,null,null,null,null,null,null,null,null,{"$f":"IF(IF(F7=\"\",TRUE,IF(CODE(F7)=150,TRUE,FALSE)),\"\",VALUE(SUBSTITUTE(F7,CHAR(160),\"\")))","v":""}]
[null,"Retail:",null,null,"",null,"",null,"",null,null,{"$f":"IF(IF(E8=\"\",TRUE,IF(CODE(E8)=150,TRUE,FALSE)),\"\",VALUE(SUBSTITUTE(E8,CHAR(160),\"\")))","v":""},null,null,null,null,null,{"$f":"IF(IF(J8=\"\",TRUE,IF(CODE(J8)=150,TRUE,FALSE)),\"\",VALUE(SUBSTITUTE(J8,CHAR(160),\"\")))","v":""}]
[null,"Secured",null,253,null,377,null,32.891246684350136]
[null,"Unsecured",null,848,null,893,null,5.039193729003359]
[null,null,null,1101,null,1270,null,13.307086614173228]
[null,"Commercial Banking",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(IF(J12=\"\",TRUE,IF(CODE(J12)=150,TRUE,FALSE)),\"\",VALUE(SUBSTITUTE(J12,CHAR(160),\"\")))","v":""}]
[null,null,null,1167,"",2946,"",60.386965376782072,""]
[null,"Wealth, Asset Finance and International",null,null,"",null,"",null,"",null,null,null,null,null,null,null,null,{"$f":"IF(IF(J14=\"\",TRUE,IF(CODE(J14)=150,TRUE,FALSE)),\"\",VALUE(SUBSTITUTE(J14,CHAR(160),\"\")))","v":""}]
[null,"Wealth",null,18,null,23,null,21.739130434782609]
[null,"Ireland",null,608,null,1245,null,51.164658634538149]
[null,"Other international ",null,33,null,76,null,56.578947368421048]
[null,"Asset Finance",null,71,null,136,null,47.794117647058826]
[null,null,null,730,null,1480,null,50.675675675675677]
[]
[null,"Central items",null,6,"",1,"",null,"",null,null,null,null,null,null,null,null,{"$f":"IF(IF(J21=\"\",TRUE,IF(CODE(J21)=150,TRUE,FALSE)),\"\",VALUE(SUBSTITUTE(J21,CHAR(160),\"\")))","v":""}]
[null,"Total impairment charge",null,3004,"",5697,"",47.270493242057221,"",null,null,null,null,null,null,null,null,{"$f":"IF(IF(J22=\"\",TRUE,IF(CODE(J22)=150,TRUE,FALSE)),\"\",VALUE(SUBSTITUTE(J22,CHAR(160),\"\")))","v":""}]
[null,null,null,"","","","",null,"",null,null,null,null,null,null,null,null,{"$f":"IF(IF(J23=\"\",TRUE,IF(CODE(J23)=150,TRUE,FALSE)),\"\",VALUE(SUBSTITUTE(J23,CHAR(160),\"\")))","v":""}]
[null,"Impairment charge as a % of average advances",null,5.7000000000000002E-3,null,1.0200000000000001E-2,null,"(45)bp"]
[]
[null,"Total impairment charge comprises:",null,"2013 ",null,"2012 ",null,"Change "]
[null,null,null,"£m ",null,"£m ",null,"% "]
[]
[null,"Loans and advances to customers",null,2988,null,5654,null,47.152458436505128]
[null,"Debt securities classified as loans and receivables ",null,1,null,15,null,93.333333333333329]
[null,"Available-for-sale financial assets",null,15,null,37,null,59.45945945945946]
[null,"Other credit risk provisions",null,0,null,-9]
[null,"Total impairment charge",null,3004,null,5697,null,47.270493242057221]
[]
[]
[]
[null,"Core",null,"","","","","","",null,null,null,null,null,null,null,null,{"$f":"IF(IF(J37=\"\",TRUE,IF(CODE(J37)=150,TRUE,FALSE)),\"\",VALUE(SUBSTITUTE(J37,CHAR(160),\"\")))","v":""}]
[]
[null,"Retail:",null,null,"",null,"",null,"",null,null,null,null,null,null,null,null,{"$f":"IF(IF(J39=\"\",TRUE,IF(CODE(J39)=150,TRUE,FALSE)),\"\",VALUE(SUBSTITUTE(J39,CHAR(160),\"\")))","v":""}]
[null,"Secured",null,218,"",304,"",28.289473684210524,"",null,null,null,null,null,null,null,null,""]
[null,"Unsecured",null,841,"",888,"",5.2927927927927927,"",null,null,null,null,null,null,null,null,""]
[null,null,null,1059,"",1192,"",11.15771812080537,"",null,null,null,null,null,null,null,null,""]
[]
[null,"Commercial Banking",null,424,"",704,"",39.772727272727273,"",null,null,null,null,null,null,null,null,""]
[null,"Wealth, Asset Finance and International",null,null,"","","",null,"",null,null,null,null,null,null,null,null,""]
[null,"Wealth",null,18,"",23,"",21.739130434782609,"",null,null,null,null,null,null,null,null,""]
[null,"Asset Finance",null,14,"",-1,"",null,"",null,null,null,null,null,null,null,null,""]
[null,null,null,32,"",22,"",-45.454545454545453,"",null,null,null,null,null,null,null,null,""]
[]
[null,"Central items",null,6,"",1,"",null,"",null,null,null,null,null,null,null,null,""]
[null,"Core impairment charge",null,1521,null,1919,null,20.739968733715479,null,null,null,null,null,null,null,null,null,""]
[]
[null,"Core impairment charge as a % of average advances",null,3.5000000000000001E-3,null,4.4000000000000003E-3,null,"(9)bp"]
[]
[]
[]
[null,"Non-core",null,"","","","","","",null,null,null,null,null,null,null,null,{"$f":"IF(IF(J57=\"\",TRUE,IF(CODE(J57)=150,TRUE,FALSE)),\"\",VALUE(SUBSTITUTE(J57,CHAR(160),\"\")))","v":""}]
[]
[null,"Retail:",null,null,"",null,"",null,"",null,null,null,null,null,null,null,null,""]
[null,"Secured",null,35,"",73,"",52.054794520547944,"",null,null,null,null,null,null,null,null,""]
[null,"Unsecured",null,7,"",5,"",-40,"",null,null,null,null,null,null,null,null,""]
[null,null,null,42,"",78,"",46.153846153846153,"",null,null,null,null,null,null,null,null,""]
[]
[null,"Commercial Banking",null,743,"",2242,"",66.859946476360392,"",null,null,null,null,null,null,null,null,""]
[null,"Wealth, Asset Finance and International",null,null,"","","",null,"",null,null,null,null,null,null,null,null,""]
[null,"Ireland",null,608,"",1245,"",51.164658634538149,"",null,null,null,null,null,null,null,null,""]
[null,"Other international",null,33,"",76,"",56.578947368421048,"",null,null,null,null,null,null,null,null,""]
[null,"Asset Finance",null,57,"",137,"",58.394160583941598,"",null,null,null,null,null,null,null,null,""]
[null,null,null,698,"",1458,"",52.12620027434842,"",null,null,null,null,null,null,null,null,""]
[null,"Non-core impairment charge",null,1483,null,3778,null,60.746426680783486,null,null,null,null,null,null,null,null,null,""]
[]
[null,"Non-core impairment charge as a % of average advances",null,1.61E-2,null,3.0800000000000001E-2,null,"(147)bp",null,null,null,null,null,null,null,null,null,{"$f":"IF(IF(J72=\"\",TRUE,IF(CODE(J72)=150,TRUE,FALSE)),\"\",VALUE(SUBSTITUTE(J72,CHAR(160),\"\")))","v":""}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(IF(J73=\"\",TRUE,IF(CODE(J73)=150,TRUE,FALSE)),\"\",VALUE(SUBSTITUTE(J73,CHAR(160),\"\")))","v":""}]

{"sheet":"p44","index":25,"n_rows":52,"n_cols":12,"rows_kept":52,"cut":false,"hidden":false,"merged":[[51,1,52,12]]}
[null,"Impaired loans and provisions"]
[]
[null,"Group"]
[null,"At 31 December 2013",null,"Loans and advances to customers ",null,"Impaired loans ",null,"Impaired loans as a % of closing advances ",null,"Impairment provisions1",null,"Impairment provisions as % of impaired loans2"]
[null,null,null,"£m ",null,"£m ",null,"% ",null,"£m ",null,"% "]
[]
[null,"Retail"]
[null,"Secured",null,323107,null,5641,null,1.7458612781524401,null,1472,null,26.09466406665485]
[null,"Unsecured",null,21566,null,1546,null,7.1686914587777055,null,578,null,86.917293233082702]
[null,null,null,344673,null,7187,null,2.0851647793705919,null,2050,null,32.508721852204246]
[]
[null,"Commercial Banking",null,132602,null,14714,null,11.096363554094207,null,6415,null,43.597933940464863]
[null,"Wealth, Asset Finance and International"]
[null,"Wealth",null,3218,null,349,null,10.845245494095712,null,70,null,20.057306590257877]
[null,"Ireland",null,15374,null,9324,null,60.647847014439961,null,6718,null,72.050622050622053]
[null,"Other international",null,7146,null,212,null,2.9666946543520849,null,108,null,50.943396226415096]
[null,"Asset Finance",null,5712,null,473,null,8.2808123249299719,null,346,null,73.150105708245235]
[null,null,null,31450,null,10358,null,32.934817170111288,null,7242,null,69.916972388491985]
[]
[null,"Reverse repos and other items",null,2779,null,0,null,null,null,0]
[null,"Total gross lending",null,511504,null,32259,null,6.3066955488129128,null,15707,null,50.057365032825551]
[null,"Impairment provisions",null,-15707]
[null,"Fair value adjustments3",null,-516]
[null,"Total Group",null,495281]
[]
[]
[null,"At 31 December 2012"]
[]
[null,"Retail"]
[null,"Secured",null,323862,null,6321,null,1.9517572299312669,null,1616,null,25.565575067236196]
[null,"Unsecured",null,22698,null,1999,null,8.8069433430258179,null,719,null,82.643678160919549]
[null,null,null,346560,null,8320,null,2.4007386888273317,null,2335,null,32.471144486163261]
[]
[null,"Commercial Banking",null,144770,null,23965,null,16.553844028458936,null,9984,null,41.660755268099308]
[]
[null,"Wealth, Asset Finance and International"]
[null,"Wealth",null,4325,null,284,null,6.5664739884393057,null,73,null,25.704225352112676]
[null,"Ireland",null,19531,null,12501,null,64.005939276022744,null,8574,null,68.586513078953686]
[null,"Other international",null,9171,null,299,null,3.2602769599825541,null,212,null,70.903010033444815]
[null,"Asset Finance",null,9900,null,924,null,9.3333333333333339,null,594,null,64.285714285714292]
[null,null,null,42927,null,14008,null,32.632142940340579,null,9453,null,67.482866933181043]
[]
[null,"Reverse repos and other items",null,5814,null,0,null,null,null,0]
[null,"Total gross lending",null,540071,null,46293,null,8.5716507644365283,null,21772,null,48.206536179257817]
[null,"Impairment provisions",null,-21772]
[null,"Fair value adjustments3",null,-1074]
[null,"Total Group",null,517225]
[]
[]
[1,"Impairment provisions include collective unimpaired provisions."]
[2,"Impairment provisions as a percentage of impaired loans are calculated excluding Retail unsecured loans in recoveries (31 December 2013: £881 million, 31 December 2012: £1,129 million)."]
[3,"The fair value adjustments relating to loans and advances were those required to reflect the HBOS assets in the Group’s consolidated financial records at their fair value and took into account both the expected losses and market liquidity at the date of acquisition. The unwind relating to future impairment losses requires significant management judgement to determine its timing which includes an assessment of whether the losses incurred in the current period were expected at the date of the acquisition and assessing whether the remaining losses expected at the date of the acquisition will still be incurred.  The element relating to market liquidity unwinds to the income statement over the estimated expected lives of the related assets (until 2014 for wholesale loans and 2018 for retail loans) although if an asset is written-off or suffers previously unexpected impairment then this element of the fair value will no longer be considered a timing difference (liquidity) but permanent (impairment).  The fair value unwind in respect of impairment losses incurred was £512 million for the period ended 31 December 2013 (31 December 2012: £868 million). The fair value unwind in respect of loans and advances is expected to continue to decrease in future years as fixed-rate periods on mortgages expire, loans are repaid or written-off, and will reduce to zero over time."]

{"sheet":"p45","index":26,"n_rows":50,"n_cols":12,"rows_kept":50,"cut":false,"hidden":false,"merged":[[50,1,51,12]]}
[null,"Impaired loans and provisions"]
[]
[null,"Core"]
[null,"At 31 December 2013",null,"Loans and advances to customers ",null,"Impaired loans ",null,"Impaired loans as a % of closing advances ",null,"Impairment provisions1",null,"Impairment provisions as % of impaired loans2"]
[null,null,null,"£m ",null,"£m ",null,"% ",null,"£m ",null,"% "]
[]
[]
[null,"Retail"]
[null,"Secured",null,299085,null,4327,null,1.4467459083538126,null,1158,null,26.762190894384101]
[null,"Unsecured",null,21435,null,1492,null,6.9605784931187316,null,576,null,87.140695915279878]
[null,null,null,320520,null,5819,null,1.8154873330837391,null,1734,null,34.763432237369685]
[]
[null,"Commercial Banking",null,111883,null,5131,null,4.5860407747378957,null,2441,null,47.573572403040345]
[]
[null,"Wealth, Asset Finance and International"]
[null,"Wealth",null,3218,null,349,null,10.845245494095712,null,70,null,20.057306590257877]
[null,"Asset Finance",null,3392,null,57,null,1.6804245283018868,null,29,null,50.877192982456144]
[null,null,null,6610,null,406,null,6.1422087745839642,null,99,null,24.384236453201972]
[]
[null,"Reverse repos and other items",null,2779,null,0,null,null,null,0]
[null,"Total core gross lending",null,441792,null,11356,null,2.5704403882369982,null,4274,null,40.60807600950119]
[null,"Impairment provisions",null,-4274]
[null,"Fair value adjustments",null,-552]
[null,"Total core",null,436966]
[]
[]
[null,"At 31 December 2012"]
[]
[]
[null,"Retail"]
[null,"Secured",null,297902,null,4793,null,1.6089183691281026,null,1251,null,26.100563321510535]
[null,"Unsecured",null,22156,null,1900,null,8.5755551543599928,null,706,null,82.76670574443142]
[null,null,null,320058,null,6693,null,2.0911834729955192,null,1957,null,34.661707403471489]
[]
[null,"Commercial Banking",null,104867,null,5907,null,5.6328492280698406,null,2866,null,48.518706619265281]
[]
[null,"Wealth, Asset Finance and International"]
[null,"Wealth",null,4325,null,284,null,6.5664739884393057,null,73,null,25.704225352112676]
[null,"Asset Finance",null,1090,null,67,null,6.1467889908256881,null,12,null,17.910447761194028]
[null,null,null,5415,null,351,null,6.4831917251570008,null,85,null,24.216524216524217]
[]
[null,"Reverse repos and other items",null,5814,null,0,null,null,null,0]
[null,"Total core gross lending",null,436154,null,12951,null,2.9693640319703589,null,4908,null,41.229838709677416]
[null,"Impairment provisions",null,-4908]
[null,"Fair value adjustments",null,-778]
[null,"Total core",null,430468]
[]
[]
[1,"Impairment provisions include collective unimpaired provisions."]
[2,"Impairment provisions as a percentage of impaired loans are calculated excluding retail unsecured loans in recoveries (31 December 2013: £831 million, 31 December 2012: £1,047 million)."]

{"sheet":"p46","index":27,"n_rows":55,"n_cols":12,"rows_kept":55,"cut":false,"hidden":false,"merged":[[53,1,53,12],[54,1,54,12]]}
[null,"Impaired loans and provisions"]
[]
[null,"Non-core"]
[null,"At 31 December 2013",null,"Loans and advances to customers ",null,"Impaired loans ",null,"Impaired loans as a % of closing advances ",null,"Impairment provisions1",null,"Impairment provisions as % of impaired loans2"]
[null,null,null,"£m ",null,"£m ",null,"% ",null,"£m ",null,"% "]
[]
[]
[null,"Retail"]
[null,"Secured",null,24022,null,1314,null,5.4699858463075515,null,314,null,23.896499238964992]
[null,"Unsecured",null,131,null,54,null,41.221374045801525,null,2,null,50]
[null,null,null,24153,null,1368,null,5.6638926841386166,null,316,null,23.975720789074355]
[null,"Commercial Banking"]
[null,"Corporate Real Estate and other corporate3",null,11571,null,8131,null,70.270503845821452,null,3320,null,40.831386053375965]
[null,"Specialist finance4",null,9017,null,1368,null,15.171343018742375,null,565,null,41.301169590643276]
[null,"Other",null,131,null,84,null,64.122137404580144,null,89]
[null,null,null,20719,null,9583,null,46.252232250591248,null,3974,null,41.469268496295527]
[null,"Wealth, Asset Finance and International"]
[null,"Ireland",null,15374,null,9324,null,60.647847014439961,null,6718,null,72.050622050622053]
[null,"Other international",null,7146,null,212,null,2.9666946543520849,null,108,null,50.943396226415096]
[null,"Asset finance",null,2320,null,416,null,17.931034482758619,null,317,null,76.201923076923066]
[null,null,null,24840,null,9952,null,40.064412238325282,null,7143,null,71.774517684887456]
[null,"Reverse repos and other items",null,0,null,0,null,null,null,0]
[null,"Total non-core gross lending",null,69712,null,20903,null,29.984794583428965,null,11433,null,54.826643648395915]
[null,"Impairment provisions",null,-11433]
[null,"Fair value adjustments3",null,36]
[null,"Total non-core",null,58315]
[]
[]
[null,"At 31 December 2012"]
[]
[null,"Retail"]
[null,"Secured",null,25960,null,1528,null,5.8859784283513097,null,365,null,23.887434554973822]
[null,"Unsecured",null,542,null,99,null,18.265682656826566,null,13,null,76.470588235294116]
[null,null,null,26502,null,1627,null,6.1391593087314167,null,378,null,24.466019417475728]
[null,"Commercial Banking"]
[null,"Corporate Real Estate and other corporate3",null,21777,null,14447,null,66.340634614501539,null,5411,null,37.454142728594171]
[null,"Specialist finance4",null,15488,null,2935,null,18.950154958677686,null,1235,null,42.078364565587734]
[null,"Other",null,2638,null,676,null,25.625473843821077,null,472,null,69.822485207100598]
[null,null,null,39903,null,18058,null,45.254742751171591,null,7118,null,39.417432716801414]
[null,"Wealth, Asset Finance and International"]
[null,"Wealth",null,0,null,0,null,null,null,0]
[null,"Ireland",null,19531,null,12501,null,64.005939276022744,null,8574,null,68.586513078953686]
[null,"Other international",null,9171,null,299,null,3.2602769599825541,null,212,null,70.903010033444815]
[null,"Asset Finance",null,8810,null,857,null,9.7275822928490356,null,582,null,67.911318553092187]
[null,null,null,37512,null,13657,null,36.407016421411811,null,9368,null,68.594859778867985]
[null,"Reverse repos and other items",null,0,null,0,null,null,null,0]
[null,"Total gross lending",null,103917,null,33342,null,32.085221859753453,null,16864,null,50.703547805171375]
[null,"Impairment provisions",null,-16864]
[null,"Fair value adjustments",null,-296]
[null,"Total non-core",null,86757]
[]
[1,"Impairment provisions include collective unimpaired provisions."]
[2,"Impairment provisions as a percentage of impaired loans are calculated excluding Retail unsecured loans in recoveries (31 December 2013: £50 million, 31 December 2012: £82 million)."]
[3,"Includes the Corporate Real Estate BSU portfolio which is now managed with other Corporate (including non-core good book Corporate Real Estate) assets which were previously disclosed in Other. "]
[4,"Includes the specialised lending portfolio which is now managed with their Specialised Finance assets which were previously disclosed in Other."]

{"sheet":"p47","index":28,"n_rows":21,"n_cols":35,"rows_kept":21,"cut":false,"hidden":false,"merged":[[4,17,5,17],[3,1,5,1],[3,2,5,2],[3,16,5,16]]}
[null,"CREDIT RISK PORTFOLIO (continued)"]
[]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"At ",null,"At "]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"31 Dec ",null,"31 Dec  2012 "]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"2013 "]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"£m ",null,"£m "]
[]
[null,"Secured:"]
[null,"Mainstream",null,null,null,null,null,null,null,null,null,null,null,null,null,246586,"",248735,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$error":"#REF!"},""]
[null,"Buy to let",null,null,null,null,null,null,null,null,null,null,null,null,null,52791,"",49568,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$error":"#REF!"},""]
[null,"Specialist",null,null,null,null,null,null,null,null,null,null,null,null,null,23730,"",25559,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$error":"#REF!"},""]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,323107,"",323862,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$error":"#REF!"},""]
[null,"Unsecured:",null,null,null,null,null,null,null,null,null,null,null,null,null,null,"","",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$error":"#REF!"},""]
[null,"Credit cards",null,null,null,null,null,null,null,null,null,null,null,null,null,9373,"",9465,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$error":"#REF!"},""]
[null,"Personal loans",null,null,null,null,null,null,null,null,null,null,null,null,null,9595,"",10523,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$error":"#REF!"},""]
[null,"Bank accounts",null,null,null,null,null,null,null,null,null,null,null,null,null,2598,"",2710,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$error":"#REF!"},""]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,21566,"",22698,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$error":"#REF!"},""]
[null,"Total gross lending",null,null,null,null,null,null,null,null,null,null,null,null,null,344673,"",346560,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$error":"#REF!"},""]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"",""]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"",""]

{"sheet":"p48","index":29,"n_rows":51,"n_cols":35,"rows_kept":51,"cut":false,"hidden":false,"merged":[[49,1,49,6],[50,1,50,11],[4,15,4,17],[5,14,5,15],[4,3,4,5],[4,7,4,9],[4,11,4,13]]}
[null,"CREDIT RISK PORTFOLIO (continued)"]
[]
[null,"Mortgages greater than three months in arrears (excluding repossessions)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"",""]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"",""]
[null,null,null,"Number of cases",null,null,null,"Total mortgage accounts %",null,null,null,"Value of loans1",null,null,null,"Total mortgage balances %",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"",""]
[null,null,null,2013,null,"2012 ",null,"2013 ",null,"2012 ",null,"2013 ",null,"2012 ","2013 ",null,null,"2012 ",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,2012,""]
[null,null,null,"Cases ",null,"Cases ",null,"% ",null,"% ",null,"£m ",null,"£m ",null,"% ",null,"% ",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$error":"#VALUE!"},""]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"",""]
[null,"Mainstream",null,52687,null,55905,null,2.1,null,2.2000000000000002,null,5898,null,6287,"",2.4,"",2.5,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,2.5,""]
[null,"Buy to let",null,6338,null,7306,null,1.3,null,1.6,null,869,null,1033,"",1.6,"",2.1,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,2.1,""]
[null,"Specialist",null,11870,null,13262,null,7.3,null,7.6,null,2051,null,2317,"",8.6,"",9.1,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,9.1,""]
[null,"Total",null,70895,null,76473,null,2.2999999999999998,null,2.4,null,8818,null,9637,"",2.7,"",3,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,3,""]
[]
[1,"Value of debt represents total book value of mortgages in arrears."]
[]
[]
[]
[null,"Actual and average LTVs across the Retail mortgage portfolios"]
[]
[null,"At 31 December 2013",null,null,null,null,null,null,null,null,null,"Mainstream ",null,"Buy to let ",null,"Specialist1",null,"Total "]
[null,null,null,null,null,null,null,null,null,null,null,"% ",null,"% ",null,"% ",null,"% "]
[]
[null,"Less than 60%",null,null,null,null,null,null,null,null,null,37,null,20.399999999999999,null,20.100000000000001,null,33.1]
[null,"60% to 70%",null,null,null,null,null,null,null,null,null,16.899999999999999,null,21.3,null,15.7,null,17.5]
[null,"70% to 80%",null,null,null,null,null,null,null,null,null,19.8,null,26,null,19.3,null,20.8]
[null,"80% to 90%",null,null,null,null,null,null,null,null,null,14.7,null,15.1,null,20.100000000000001,null,15.1]
[null,"90% to 100%",null,null,null,null,null,null,null,null,null,7.1,null,11.1,null,14.3,null,8.3000000000000007]
[null,"Greater than 100%",null,null,null,null,null,null,null,null,null,4.5,null,6.1,null,10.5,null,5.2]
[null,"Total",null,null,null,null,null,null,null,null,null,100,"",100,"",100,"",100]
[null,"Average loan to value:2",null,null,null,null,null,null,null,null,null,"","","","","","",""]
[null,"Stock of residential mortgages",null,null,null,null,null,null,null,null,null,49.5,null,66.900000000000006,null,66.2,null,52.8]
[null,"New residential lending",null,null,null,null,null,null,null,null,null,63.6,null,64,null,"n/a",null,63.6]
[null,"Impaired mortgages",null,null,null,null,null,null,null,null,null,66.599999999999994,null,90.1,null,80.8,null,71.599999999999994]
[]
[null,"At 31 December 2012",null,null,null,null,null,null,null,null,null,"Mainstream ",null,"Buy to let ",null,"Specialist1",null,"Total "]
[null,null,null,null,null,null,null,null,null,null,null,"% ",null,"% ",null,"% ",null,"% "]
[]
[null,"Less than 60%",null,null,null,null,null,null,null,null,null,31.9,"",12.8,"",14.7,"",27.6]
[null,"60% to 70%",null,null,null,null,null,null,null,null,null,12.8,"",12.9,"",9.6999999999999993,"",12.6]
[null,"70% to 80%",null,null,null,null,null,null,null,null,null,18.3,"",26.2,"",17.2,"",19.399999999999999]
[null,"80% to 90%",null,null,null,null,null,null,null,null,null,16.600000000000001,"",16.5,"",19.100000000000001,"",16.8]
[null,"90% to 100%",null,null,null,null,null,null,null,null,null,10.5,"",15.4,"",18.5,"",11.9]
[null,"Greater than 100%",null,null,null,null,null,null,null,null,null,9.9,"",16.2,"",20.8,"",11.7]
[null,"Total",null,null,null,null,null,null,null,null,null,100,"",100,"",100,"",100]
[null,"Average loan to value:2",null,null,null,null,null,null,null,null,null,"","","","","","",""]
[null,"Stock of residential mortgages",null,null,null,null,null,null,null,null,null,52.7,"",73.599999999999994,"",72.599999999999994,"",56.4]
[null,"New residential lending",null,null,null,null,null,null,null,null,null,62.3,"",64.5,"","n/a","",62.6]
[null,"Impaired mortgages",null,null,null,null,null,null,null,null,null,72.2,"",99.3,"",88.1,"",78.3]
[]
[1,"Specialist lending is closed to new business and is in run-off."]
[2,"Average loan to value is calculated as total loans and advances as a percentage of the total collateral of these loans and advances."]

{"sheet":"p50","index":30,"n_rows":26,"n_cols":14,"rows_kept":26,"cut":false,"hidden":false,"merged":[[3,3,5,5],[3,7,5,9],[3,11,5,13]]}
[null,"CREDIT RISK PORTFOLIO (continued)"]
[null,"Forbearance"]
[null,"Retail (continued)"]
[null,"Secured lending",null,"Total loans and advances which are currently or recently forborne",null,null,null,"Total current and recent forborne loans and advances which are impaired1",null,null,null,"Impairment provisions as % of loans and advances which are currently or recently forborne"]
[]
[null,"At 31 December"]
[null,null,null,2013,null,"2012 2",null,2013,null,"2012 2",null,2013,null,"2012 2"]
[null,null,null,"£m",null,"£m",null,"£m",null,"£m",null,"%",null,"%"]
[]
[null,"Temporary forbearance arrangements"]
[null,"Reduced contractual monthly payment3",null,995,null,4514,null,226,null,538,null,4,null,2.5]
[null,"Reduced payment arrangements4",null,1376,null,1412,null,160,null,320,null,3.2,null,4]
[null,null,null,2371,null,5926,null,386,null,858,null,3.5,null,2.8]
[null,"Permanent treatments"]
[null,"Repair and term extentions5",null,4008,null,3565,null,305,null,289,null,3.4,null,3.9]
[null,"Total",null,6379,null,9491,null,691,null,1147,null,3.4,null,3.2]
[]
[null,"Included in the total above:"]
[null,"Temporary arrangements currently on treatment",null,1100,null,3103,null,179,null,516,null,3.4,null,3.7]
[null,"Permanent treatments within last 12 months",null,2187,null,1913,null,78,null,90,null,3.1,null,4.3]
[]
[1,"£5,688 million of current and recent forborne loans and advances were not impaired at 31 December 2013 (31 December 2012: £8,344 million)."]
[2,"Restated to reflect the change in forbearance probation periods. Previously only temporary arrangements in place at the year end and permanent changes commenced during the year were shown."]
[3,"Includes temporary interest only arrangements and short-term payment holidays granted in collections where the customer is currently benefitting from the treatment and where the concession has ended within the previous six months (temporary interest only) and previous 12 months (short-term payment holidays)."]
[4,"Includes customers who had an arrangement to pay less than the contractual amount at 31 December or where an arrangement ended within the previous three months."]
[5,"Includes capitalisation of arrears and term extensions which commenced during the previous 24 months and remaining as customers at the year end."]

{"sheet":"p51","index":31,"n_rows":27,"n_cols":14,"rows_kept":27,"cut":false,"hidden":false,"merged":[[3,3,5,5],[3,7,5,9],[3,11,5,13]]}
[null,"CREDIT RISK PORTFOLIO (continued)"]
[]
[null,"Retail (continued)"]
[null,"Unsecured lending",null,"Total loans and advances which are currently or recently forborne",null,null,null,"Total current and recent forborne loans and advances which are impaired1",null,null,null,"Impairment provisions as % of loans and advances which are currently or recently forborne"]
[]
[null,"At 31 December"]
[null,null,null,2013,null,"2012 2",null,2013,null,"2012 2",null,2013,null,"2012 2"]
[null,null,null,"£m",null,"£m",null,"£m",null,"£m",null,"£m",null,"£m"]
[]
[null,"Temporary forbearance arrangements"]
[null,"Reduced contractual monthly payment3",null,260,null,339,null,230,null,324,null,39.200000000000003,null,48.8]
[null,"Reduced payment arrangements4",null,104,null,194,null,86,null,150,null,51.7,null,49.3]
[null,null,null,364,null,533,null,316,null,474,null,42.8,null,49]
[null,"Permanent treatments"]
[null,"Repair and Term Extentions5",null,201,null,350,null,79,null,176,null,9.9,null,10.4]
[null,"Total",null,565,null,883,null,395,null,650,null,31.1,null,33.700000000000003]
[]
[null,"Included in the total above:"]
[null,"Temporary arrangements currently on treatment",null,265,null,388,null,262,null,383,null,45,null,51.6]
[null,"Permanent treatments within last 12 months",null,90,null,208,null,38,null,110,null,13.2,null,11.8]
[]
[]
[1,"£170 million of current and recent forborne loans and advances were not impaired at 31 December 2013 \n(31 December 2012: £233 million).\n"]
[2,"Restated to reflect the change in forbearance probation periods. Previously only temporary arrangements in place at the year end and permanent changes commenced during the year were shown."]
[3,"Includes repayment plans and short-term payment holidays granted in collections where the customer is currently benefitting from the treatment and where the concession has ended within the previous six months."]
[4,"Includes customers who had an arrangement to pay less than the contractual amount at 31 December or where an arrangement ended within the previous six months."]
[5,"Includes capitalisation of arrears and term extensions which commenced during the previous 24 months and remaining as customers at the year end."]

{"sheet":"p56","index":32,"n_rows":37,"n_cols":9,"rows_kept":37,"cut":false,"hidden":false,"merged":[[6,2,6,4],[7,2,7,4],[6,6,6,8],[7,6,7,8]]}
[null,"CREDIT RISK PORTFOLIO (continued)"]
[]
[null,"Commercial Banking"]
[]
[null,"LTVs - UK Direct Real Eastate"]
[]
[null,null,"Core loans and advances ",null,null,null,"Non-core loans and advances "]
[null,"At 31 December 2013","(gross)",null,null,null,"(gross)"]
[null,null,"£m",null,"%",null,"£m",null,"%"]
[null,"Exposures > £5 million:"]
[null,"Less than 60%",4444,null,42,null,437,null,7]
[null,"61% to 70%",2182,null,21,null,268,null,4]
[null,"71% to 80%",1159,null,11,null,145,null,2]
[null,"81% to 100%",407,null,4,null,1896,null,29]
[null,"101% to 125%",385,null,4,null,766,null,12]
[null,"More than 125%",571,null,5,null,2961,null,46]
[null,"Unsecured",1342,null,13,null,23,null,0]
[null,null,{"$f":"SUM(C11:C17)","v":10490},null,100,null,{"$f":"SUM(G11:G17)","v":6496},null,100]
[null,"Exposures < £5 million",9280,null,null,null,1143]
[null,"Total",{"$f":"SUM(C18:C19)","v":19770},null,null,null,{"$f":"SUM(G18:G19)","v":7639}]
[]
[]
[null,"At 31 December 20121"]
[]
[null,"Exposures > £5 million:"]
[null,"Less than 60%",3722,null,35,null,703,null,7]
[null,"61% to 70%",1785,null,17,null,292,null,3]
[null,"71% to 80%",2028,null,19,null,886,null,9]
[null,"81% to 100%",1282,null,12,null,2188,null,21]
[null,"101% to 125%",393,null,4,null,1398,null,14]
[null,"More than 125%",563,null,5,null,4405,null,43]
[null,"Unsecured",849,null,8,null,332,null,3]
[null,null,{"$f":"SUM(C26:C32)","v":10622},null,100,null,{"$f":"SUM(G26:G32)","v":10204},null,100]
[null,"Exposures < £5 million",8976,null,null,null,1727]
[null,"Total",{"$f":"SUM(C33:C34)","v":19598},null,null,null,{"$f":"SUM(G33:G34)","v":11931}]
[]
[1,"Restated to reflect a change in methodology from registered address of borrower to location of underlying collateral."]

{"sheet":"p59","index":33,"n_rows":31,"n_cols":10,"rows_kept":31,"cut":false,"hidden":false,"merged":[[4,3,6,5],[4,7,6,9]]}
[null,"CREDIT RISK PORTFOLIO (continued)"]
[]
[null,"Commercial Banking (continued)"]
[]
[null,null,null,"Total loans and advances which are forborne",null,null,null,"Impairment provisions as % of loans and advances which are forborne"]
[]
[null,"At 31 December"]
[null,null,null,2013,null,2012,null,2013,null,2012]
[null,null,null,"£m",null,"£m",null,"£m",null,"£m"]
[]
[null,"Impaired",null,14714,null,23965,null,43.6,null,41.7]
[null,"Unimpaired",null,6221,null,9027,null,0,null,0]
[null,"Total ",null,20935,null,32992,null,30.6,null,30.3]
[]
[]
[]
[]
[]
[null,null,null,null,null,"Direct Real Estate",null,"Other industry sector",null,"Toal"]
[null,"At 31 December 2013",null,null,null,"£m",null,"£m",null,"£m"]
[]
[null,"Type of unimpaired forbearance"]
[null,"UK1 Exposures > £5 million"]
[null,"Covenants",null,null,null,1555,null,842,null,2397]
[null,"Extensions",null,null,null,200,null,343,null,543]
[null,"Multiple",null,null,null,23,null,380,null,403]
[null,null,null,null,null,1778,null,1565,null,3343]
[null,"Exposures <£5 million and other non-UK1",null,null,null,null,null,null,null,2878]
[null,"Total",null,null,null,null,null,null,null,6221]
[]
[1,"Based on location of the office recording the transaction"]

{"sheet":"p60","index":34,"n_rows":9,"n_cols":12,"rows_kept":9,"cut":false,"hidden":false,"merged":[]}
[null,"CREDIT RISK PORTFOLIO (continued)"]
[]
[null,"Ireland impairment charge"]
[null,null,null,null,null,null,null,2013,null,2012,null,"Change"]
[null,null,null,null,null,null,null,"£m",null,"£m",null,"%"]
[null,"Retail",null,null,null,null,null,-26,null,108]
[null,"Commercial real estate",null,null,null,null,null,219,null,739,null,70.365358592692829]
[null,"Corporate",null,null,null,null,null,415,null,398,null,-4.2713567839195976]
[null,"Toal",null,null,null,null,null,608,null,1245,null,51.164658634538149]

{"sheet":"p61","index":35,"n_rows":34,"n_cols":12,"rows_kept":34,"cut":false,"hidden":false,"merged":[[20,3,20,5],[20,7,20,9],[21,3,21,5],[21,7,21,9]]}
[null,"CREDIT RISK PORTFOLIO (continued)"]
[]
[null,"Ireland impaired loans and provisions"]
[]
[null,null,null,"Loans and advances to customers ",null,"Impaired loans ",null,"Impaired loans as % of closing advances ",null,"Impairment provisions",null,"Impairment provisions as a % of impaired loans"]
[null,"At 31 December 2013",null,"£m ",null,"£m ",null,"% ",null,"£m ",null,"% "]
[]
[null,"Retail",null,5944,null,1002,null,16.857335127860026,null,638,null,63.672654690618756]
[null,"Commercial real estate",null,5512,null,5087,null,92.289550072568943,null,3775,null,74.208767446432077]
[null,"Corporate",null,3918,null,3235,null,82.567636549259831,null,2305,null,71.251931993817621]
[null,"Toal",null,15374,null,9324,null,60.647847014439961,null,6718,null,72.050622050622053]
[]
[null,"At 31 December 2012"]
[]
[null,"Retail",null,6656,null,1534,null,23.046875,null,1111,null,72.425032594524126]
[null,"Commercial real estate",null,7408,null,6720,null,90.712742980561558,null,4695,null,69.866071428571431]
[null,"Corporate",null,5467,null,4247,null,77.68428754344248,null,2768,null,65.175417942076763]
[null,"Toal",null,19531,null,12501,null,64.005939276022744,null,8574,null,68.586513078953686]
[]
[]
[]
[null,null,null,"At 31 December 2013",null,null,null,"At 31 December 2012"]
[null,null,null,"£m",null,"%",null,"£m",null,"%"]
[null,"Exposures > £5 million:"]
[null,"Less than 60%",null,84,null,2,null,119,null,2]
[null,"61% to 70%",null,11,null,0,null,20,null,0]
[null,"71% to 80%",null,15,null,0,null,27,null,0]
[null,"81% to 100%",null,88,null,2,null,165,null,3]
[null,"101% to 125%",null,81,null,2,null,182,null,3]
[null,"More than 125%",null,3555,null,83,null,4927,null,81]
[null,"Unsecured",null,440,null,11,null,674,null,11]
[null,null,null,4274,null,100,null,6114,null,100]
[null,"Exposures < £5 million",null,1238,null,null,null,1294]
[null,"Total",null,5512,null,null,null,7408]

{"sheet":"p63","index":36,"n_rows":27,"n_cols":14,"rows_kept":27,"cut":false,"hidden":false,"merged":[[3,3,5,5],[3,7,5,9],[3,11,5,13]]}
[null,"CREDIT RISK PORTFOLIO (continued)"]
[null,"Forbearance"]
[null,"Wealth, Asset Finance and International"]
[null,"Secured retail lending - Ireland",null,"Total loans and advances which are currently or recently forborne",null,null,null,"Total current and recent forborne loans and advances which are impaired1",null,null,null,"Impairment provisions as % of loans and advances which are currently or recently forborne"]
[]
[null,"At 31 December"]
[null,null,null,2013,null,2012,null,2013,null,2012,null,2013,null,2012]
[null,null,null,"£m",null,"£m",null,"£m",null,"£m",null,"£m",null,"£m"]
[]
[null,"Temporary forbearance arrangements"]
[null,"Reduced contractual monthly payment",null,0,null,0,null,0,null,0,null,0,null,0]
[null,"Reduced payment arrangements3",null,254,null,385,null,227,null,336,null,49.8,null,45.2]
[null,null,null,254,null,385,null,227,null,336,null,49.8,null,45.2]
[null,"Permanent treatments"]
[null,"Repair and Term Extentions4",null,473,null,430,null,102,null,71,null,14.4,null,27.9]
[null,"Total ",null,727,null,815,null,329,null,407,null,26.7,null,36.1]
[]
[]
[null,"Included in the total above:"]
[null,"Temporary arrangements currently on treatment",null,224,null,300,null,43,null,32,null,13.9,null,30.1]
[null,"Permanent treatments within last 12 months",null,196,null,272,null,174,null,232,null,50,null,44.5]
[]
[]
[1,"£398 million of current and recent forborne loans and advances were not impaired at 31 December 2013 \n(31 December 2012: £408 million).\n"]
[2,"The 2012 numbers have been restated to reflect the change in forbearance probation periods. Previously only temporary arrangements in place at the year end and permanent changes commenced during the year were shown."]
[3,"Includes customers who had an arrangement to pay less than the contractual amount at 31 December or where an arrangement ended within the previous three months."]
[4,"Includes capitalisation of arrears and term extensions which commenced during the previous 24 months and remaining as customers at the year end."]

{"sheet":"p64","index":37,"n_rows":25,"n_cols":13,"rows_kept":25,"cut":false,"hidden":false,"merged":[[2,2,5,4],[2,6,5,8],[2,10,5,12],[16,6,18,8],[16,10,18,12]]}
[null,"CREDIT RISK PORTFOLIO (continued)"]
[null,"Forbearance"]
[null,"Asset Finance retail lending","Total loans and advances which are forborne",null,null,null,"Total forborne loans and advances which are impaired1",null,null,null,"Impairment provisions as % of loans and advances which are forborne"]
[]
[]
[null,"At 31 December"]
[null,null,2013,null,2012,null,2013,null,2012,null,2013,null,2012]
[null,null,"£m",null,"£m",null,"£m",null,"£m",null,"%",null,"%"]
[]
[null,"Reduced contractual monthly payment",209,null,328,null,192,null,301,null,62.8,null,58]
[null,"Reduced payment arrangements",63,null,112,null,56,null,102,null,24.9,null,24.8]
[null,"Repair",5,null,7,null,1,null,2,null,2.2999999999999998,null,1.6]
[null,"Total ",277,null,447,null,249,null,405,null,53.2,null,48.8]
[]
[1,"£28 million of forborne loans and advances were not impaired at 31 December 2013 (31 December 2012: £42 million)."]
[]
[null,"Ireland wholesale",null,null,null,null,"Total loans and advances which are forborne",null,null,null,"Impairment provisions as % of loans and advances which are forborne"]
[]
[null,"At 31 December"]
[null,null,null,null,null,null,2013,null,2012,null,2013,null,2012]
[null,null,null,null,null,null,"£m",null,"£m",null,"%",null,"%"]
[]
[null,"Impaired",null,null,null,null,8322,null,10967,null,73.099999999999994,null,68]
[null,"Unimpaired",null,null,null,null,1108,null,1908,null,0,null,0]
[null,"Total ",null,null,null,null,9430,null,12875,null,64.400000000000006,null,58]

{"sheet":"p66","index":38,"n_rows":45,"n_cols":11,"rows_kept":45,"cut":false,"hidden":false,"merged":[[3,1,5,1],[3,2,5,2],[3,4,5,4],[3,6,5,6],[3,7,5,7],[42,1,42,7],[43,1,43,7],[44,1,44,7],[36,1,36,7],[37,1,37,7],[38,1,38,7],[39,1,39,7],[40,1,40,7],[41,1,41,7]]}
[null,"FUNDING AND LIQUIDITY MANAGEMENT"]
[]
[null,"Group funding position"]
[null,null,null,"At ",null,"At ",null,"Change "]
[null,null,null,"31 Dec ",null,"31 Dec "]
[null,null,null,"2013 ",null,"2012 1"]
[null,null,null,"£bn ",null,"£bn ",null,"% "]
[]
[null,"Funding requirement"]
[null,"Loans and advances to customers2",null,495.2,"",512.1,"",-3.3001366920523396,null,null,""]
[null,"Loans and advances to banks3",null,5.0999999999999996,"",12.5,"",-59.20000000000001,null,null,""]
[null,"Debt securities",null,1.4,"",5.3,"",-73.584905660377359,null,null,""]
[null,"Reverse repurchase agreements",null,0.2,"",0,"",null,null,null,""]
[null,"Available-for-sale financial assets – secondary4",null,4.4000000000000004,"",5.3,"",-16.981132075471688,null,null,""]
[null,"Cash balances5",null,3.9,"",3.5,"",11.428571428571425,null,null,""]
[null,"Funded assets",null,510.19999999999993,"",538.70000000000005,"",-5.2905142008539281,null,null,""]
[null,"Other assets6",null,248.6,"",302.2,"",-17.736598279285239,null,null,""]
[null,null,null,758.8,"",840.9,"",-9.7633487929599259,null,null,""]
[null,"On balance sheet primary liquidity assets7",null,null,"","","",null,null,null,""]
[null,"Reverse repurchase agreements",null,0.1,"",5.8,"",-98.275862068965523,null,null,""]
[null,"Balances at central banks – primary5",null,46,"",76.8,"",-40.104166666666664,null,null,""]
[null,"Available-for-sale financial assets – primary",null,39.6,"",26.1,"",51.724137931034477,null,null,""]
[null,"Trading and fair value through profit and loss",null,3.1,"",-9.4,"",null,null,null,""]
[null,"Repurchase agreements",null,-0.6,"",-5.9,"",-89.830508474576277,null,null,""]
[null,null,null,88.2,"",93.4,"",-5.5674518201284817,null,null,""]
[null,"Total Group assets",null,847,"",934.3,"",-9.3438938242534473,null,null,""]
[null,"Less: Other liabilities6",null,-227.5,"",-277.8,"",-18.106551475881933,null,null,""]
[null,"Funding requirement",null,619.5,"",656.5,"",-5.635948210205636,null,null,""]
[null,"Funded by",null,null,"","","",null,null,null,""]
[null,"Customer deposits8",null,438.3,"",422.5,"",3.7396449704142043,null,null,""]
[null,"Wholesale funding9",null,137.6,"",169.6,"",-18.867924528301888,null,null,""]
[null,null,null,575.9,"",592.1,"",-2.7360243202161874,null,null,""]
[null,"Repurchase agreements",null,4.3,"",21.8,"",-80.275229357798167,null,null,""]
[null,"Total equity",null,39.299999999999997,"",42.6,"",-7.7464788732394458,null,null,""]
[null,"Total funding",null,619.5,"",656.5,"",-5.635948210205636,null,null,""]
[]
[1,"Restated to reflect the implementation of IAS 19R and IFRS 10.  See page 123."]
[2,"Excludes £0.1 billion (31 December 2012: £5.1 billion) of reverse repurchase agreements."]
[3,"Excludes £20.1 billion (31 December 2012: £19.6 billion) of loans and advances to banks within the Insurance business and £0.2 billion (31 December 2012: £0.7 billion) of reverse repurchase agreements."]
[4,"Secondary liquidity assets comprise a diversified pool of highly rated unencumbered collateral (including retained issuance)."]
[5,"Cash balances and balances at central banks – primary are combined in the Group’s balance sheet."]
[6,"Other assets and other liabilities primarily include balances in the Group’s Insurance business and the fair value of derivative assets and liabilities."]
[7,"Primary liquidity assets are PRA eligible liquid assets including UK Gilts, US Treasuries, Euro AAA government debt and unencumbered cash balances held at central banks."]
[8,"Excluding repurchase agreements of £3.0 billion (31 December 2012: £4.4 billion)."]
[9,"The Group’s definition of wholesale funding aligns with that used by other international market participants; including interbank deposits, debt securities in issue and subordinated liabilities."]

{"sheet":"p67","index":39,"n_rows":47,"n_cols":22,"rows_kept":47,"cut":false,"hidden":false,"merged":[[28,1,31,1],[45,1,45,13],[46,1,46,15],[26,1,26,11]]}
[null,"FUNDING  AND LIQUIDITY MANAGEMENT(continued)"]
[]
[null,"Reconciliation of Group funding figure to the balance sheet"]
[null,"At 31 December 2013"]
[]
[null,null,null,"Included in funding analysis (above) ",null,"Repos ",null,"Fair value and other accounting methods",null,"Balance sheet"]
[null,null,null,"£bn ",null,"£bn ",null,"£bn ",null,"£bn "]
[]
[null,"Deposits from banks",null,12.1,null,1.9,null,0,null,14,null,null,""]
[null,"Debt securities in issue",null,91.6,null,0,null,-4.5,null,87.1]
[null,"Subordinated liabilities",null,33.9,null,0,null,-1.6,null,32.299999999999997]
[null,"Total wholesale funding",null,137.6,null,1.9]
[null,"Customer deposits",null,438.3,null,3,null,0,null,441.3]
[null,"Total",null,575.9,null,4.9000000000000004]
[]
[null,"At 31 December 20121"]
[null,null,null,"Included in funding analysis (above) ",null,"Repos ",null,"Fair value and other accounting methods",null,"Balance sheet"]
[null,null,null,"£bn ",null,"£bn ",null,"£bn ",null,"£bn "]
[]
[null,"Deposits from banks",null,15.1,"",23.3,"",0,"",38.4]
[null,"Debt securities in issue",null,120.4,"",0,"",-3.1,"",117.3]
[null,"Subordinated liabilities",null,34.1,"",0,"",0,"",34.1]
[null,"Total wholesale funding",null,169.6,"",23.3,"",null,""]
[null,"Customer deposits",null,422.5,"",4.4000000000000004,"",0,"",426.9]
[null,"Total",null,592.1,"",27.7,"",null,""]
[]
[1,"Restated to reflect the implementation of IAS 19R and IFRS 10.  See page 123."]
[]
[]
[]
[]
[null,null,null,"Less than one month",null,"One to three months",null,"Three to six months",null,"Six to nine months",null,"Nine months to one year",null,"One to two years",null,"Two to five years",null,"More than five years",null,"Total at 31 Dec 2013",null,"Total at 31 Dec 2012"]
[null,null,null,"£bn ",null,"£bn ",null,"£bn ",null,"£bn ",null,"£bn ",null,"£bn ",null,"£bn ",null,"£bn ",null,"£bn ",null,"£bn "]
[]
[null,"Deposit from banks",null,9.5,null,0.6,null,0.3,null,0,null,0.7,null,0.3,null,0.2,null,0.5,null,12.1,"",15.1]
[null,"Debt securities in issue:",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"",""]
[null,"Certificates of deposit",null,1,null,3.4,null,2.4,null,1.3,null,0.9,null,0,null,0,null,0,null,9,"",10.7]
[null,"Commercial paper",null,2.2999999999999998,null,2,null,0.4,null,0,null,0.1,null,0,null,0,null,0,null,4.8,"",7.9]
[null,"Medium-term notes1",null,0.8,null,0.4,null,1.8,null,0.1,null,2.2000000000000002,null,5.7,null,9.5,null,8.6,null,29.1,"",34.6]
[null,"Covered bonds",null,0.9,null,0,null,0.7,null,0,null,3,null,3.3,null,8.8000000000000007,null,12.7,null,29.4,"",38.700000000000003]
[null,"Securitisation",null,2.8,null,0,null,0.9,null,0,null,3.3,null,7.7,null,4.5999999999999996,null,0,null,19.3,"",28.5]
[null,null,null,7.8,null,5.8000000000000007,null,6.2,null,1.4000000000000001,null,9.5,null,16.7,null,22.9,null,21.299999999999997,null,91.600000000000009,"",120.4]
[null,"Subordinated liabilities",null,0.3,null,0.3,null,0.6,null,0.6,null,0.6,null,3.3,null,5.9,null,22.3,null,33.9,"",34.1]
[null,"Total wholesale funding2",null,17.600000000000001,null,6.7,null,7.1,null,2,null,10.799999999999999,null,20.3,null,28.999999999999996,null,44.099999999999994,null,137.6,"",169.6]
[]
[1,"Medium-term notes include funding from the National Guarantee Scheme (31 December 2013: £1.4 billion; 31 December 2012: £1.4 billion)."]
[2,"The Group’s definition of wholesale funding aligns with that used by other international market participants; including interbank deposits, debt securities in issue and subordinated liabilities."]

{"sheet":"p68","index":40,"n_rows":14,"n_cols":12,"rows_kept":14,"cut":false,"hidden":false,"merged":[[13,1,13,7]]}
[null,"FUNDING AND LIQUIDITY  MANAGEMENT(continued)"]
[]
[null,"Analysis of 2013 term issuance"]
[]
[null,null,null,"Sterling",null,"US Dollar",null,"Euro",null,"Other currencies",null,"Total"]
[null,null,null,"£bn",null,"£bn",null,"£bn",null,"£bn",null,"£bn"]
[]
[null,"Securitisation",null,0,null,0.5,null,0,null,0,null,{"$f":"SUM(D8:K8)","v":0.5}]
[null,"Medium-term notes",null,0,null,0.6,null,1.3,null,0,null,{"$f":"SUM(D9:K9)","v":1.9}]
[null,"Private placements1",null,0.1,null,0.4,null,1.3,null,0.1,null,{"$f":"SUM(D10:K10)","v":1.9000000000000001}]
[null,"Total issuance",null,0.1,null,1.5,null,2.6,null,0.1,null,{"$f":"SUM(D11:K11)","v":4.3}]
[]
[]
[1,"Private placements include structured bonds and term repurchase agreements (repos)."]

{"sheet":"p69","index":41,"n_rows":28,"n_cols":10,"rows_kept":28,"cut":false,"hidden":false,"merged":[[11,6,13,6],[27,1,27,3],[11,1,13,1],[11,2,13,2],[11,4,13,4],[2,1,4,1],[2,2,4,2],[2,4,4,4],[2,6,4,6]]}
[null,"FUNDING AND LIQUIDITY  MANAGEMENT(continued)"]
[]
[null,"Primary liquidity"]
[null,null,null,"At 31 Dec ",null,"At 31 Dec ",null,"Average ",null,"Average "]
[null,null,null,"2013 ",null,"2012 ",null,"2013 ",null,"2012 "]
[null,null,null,"£bn ",null,"£bn ",null,"£bn ",null,"£bn "]
[]
[null,"Central bank cash deposits",null,46,"",76.8,"",69.400000000000006,"",78.3]
[null,"Government bonds",null,43.3,"",10.8,"",28.2,"",21.1]
[null,"Total",null,89.3,"",87.6,"",97.600000000000009,"",99.4]
[]
[null,"Secondary liquidity"]
[null,null,null,"At 31 Dec ",null,"31 Dec ",null,"Average ",null,"Average "]
[null,null,null,"2013 ",null,"2012 ",null,"2013 ",null,"2012 "]
[null,null,null,"£bn ",null,"£bn ",null,"£bn ",null,"£bn "]
[]
[null,"High-quality ABS/covered bonds1",null,1.4,"",2.8,"",2,"",2.1]
[null,"Credit institution bonds1",null,0.4,"",3.4,"",1.2,"",2.8]
[null,"Corporate bonds1",null,0.1,"",0.1,"",0.1,"",0.1]
[null,"Own securities (retained issuance)",null,22.1,"",44.9,"",33.299999999999997,"",50.2]
[null,"Other securities",null,4.3,"",5,"",4.8,"",8.3000000000000007]
[null,"Other2",null,77.099999999999994,"",60.9,"",75.2,"",49.8]
[null,"Total",null,105.4,"",117.1,"",116.6,"",113.3]
[null,null,null,null,"","","","","",""]
[null,"Total liquidity",null,194.7,"",204.7,"","","",""]
[]
[1,"Assets rated A- or above."]
[2,"Includes other central bank eligible assets."]

{"sheet":"p71","index":42,"n_rows":55,"n_cols":12,"rows_kept":55,"cut":false,"hidden":false,"merged":[[2,5,4,5]]}
[null,"CAPITAL MANAGEMENT (continued)"]
[]
[null,"Capital resources",null,null,"At ",null,"At "]
[null,null,null,null,"31 Dec ",null,"31 Dec "]
[null,null,null,null,"2013 ",null,"2012 2"]
[null,null,null,null,"£m ",null,"£m "]
[]
[null,"Core tier 1 "]
[null,"Shareholders’ equity per balance sheet",null,null,38989,"",43999,null,null,"",null,""]
[null,"Non-controlling interests per balance sheet ",null,null,347,"",685]
[null,"Regulatory adjustments:",null,null,null,"",""]
[null,"Regulatory adjustments to non-controlling interests ",null,null,-315,"",-628]
[null,"Adjustment for own credit ",null,null,185,"",217]
[null,"Defined benefit pension adjustment ",null,null,-78,"",-1438]
[null,"Unrealised reserve on available-for-sale debt securities ",null,null,750,"",-343]
[null,"Unrealised reserve on available-for-sale equity investments ",null,null,-135,"",-56]
[null,"Cash flow hedging reserve",null,null,1055,"",-350]
[null,"Other items",null,null,452,"",33]
[null,null,null,null,41250,"",42119]
[null,"Less: deductions from core tier 1 ",null,null,null,"",""]
[null,"Goodwill",null,null,-2016,"",-2016]
[null,"Intangible assets",null,null,-1799,"",-2091]
[null,"50 per cent excess of expected losses over impairment provisions",null,null,-373,"",-636]
[null,"50 per cent of securitisation positions",null,null,-71,"",-183]
[null,"Core tier 1 capital",null,null,36991,"",37193]
[null,"Non-controlling preference shares1 ",null,null,1060,"",1568]
[null,"Preferred securities1",null,null,3982,"",4039]
[null,"Less: deductions from tier 1",null,null,null,"",""]
[null,"50 per cent of material holdings",null,null,-3859,"",-46]
[null,"Total tier 1 capital ",null,null,38174,"",42754]
[null,null,null,null,null,"",""]
[null,"Tier 2 ",null,null,null,"",""]
[null,"Undated subordinated debt",null,null,1825,"",1828]
[null,"Dated subordinated debt",null,null,18567,"",19886]
[null,"Unrealised gains on available-for-sale equity investments provisions",null,null,135,"",56]
[null,"Eligible provisions",null,null,359,"",977]
[null,"Less: deductions from tier 2",null,null,null,"",""]
[null,"50 per cent excess of expected losses over impairment",null,null,-373,"",-636]
[null,"50 per cent of securitisation positions",null,null,-71,"",-183]
[null,"50 per cent of material holdings",null,null,-3859,"",-46]
[null,"Total tier 2 capital ",null,null,16583,"",21882]
[null,null,null,null,null,"",""]
[null,"Supervisory deductions",null,null,null,"",""]
[null,"Unconsolidated investments – life",null,null,0,"",-10104]
[null,"                                                     – general insurance and other",null,null,0,"",-929]
[null,"Total supervisory deductions ",null,null,0,"",-11033]
[null,"Total capital resources",null,null,54757,"",53603]
[]
[null,"Risk-weighted assets",null,null,263850,"",310299]
[null,"Core tier 1 capital ratio ",null,null,0.14000000000000001,null,"12.0% "]
[null,"Tier 1 capital ratio ",null,null,0.14499999999999999,null,"13.8% "]
[null,"Total capital ratio ",null,null,0.20799999999999999,null,"17.3% "]
[]
[1,"Covered by existing grandfathering provisions."]
[2,"31 December 2012 comparatives have not been restated to reflect the implementation of IAS 19R and IFRS 10."]

{"sheet":"p72","index":43,"n_rows":27,"n_cols":27,"rows_kept":27,"cut":false,"hidden":false,"merged":[[25,1,25,8],[26,1,26,8]]}
[null,"CAPITAL MANAGEMENT (continued)"]
[]
[null,"Movements in capital"]
[null,null,null,"Core \ntier 1 ",null,"Tier 1 ",null,"Tier 2 ",null,"Supervisory Deductions ",null,"Total \ncapital"]
[null,null,null,"£m ",null,"£m ",null,"£m ",null,"£m ",null,"£m "]
[]
[null,"At 31 December 20121",null,37193,"",5561,"",21882,"",-11033,"",53603]
[null,"Loss attributable to ordinary shareholders",null,-838,null,0,null,0,null,0,null,-838]
[null,"Share issuance",null,510,null,0,null,0,null,0,null,510,null,null,null,null,null,null,null,null,null,null,null,"","","",""]
[null,"Pension movements:",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"","","",""]
[null,"Implementation of IAS 19R2",null,-1258,null,null,null,null,null,null,null,-1258]
[null,"Deduction of pension asset",null,515,null,0,null,0,null,0,null,515,null,null,null,null,null,null,null,null,null,null,null,"","","",""]
[null,"Movement through other comprehensive income",null,-108,null,0,null,0,null,null,null,-108,null,null,null,null,null,null,null,null,null,null,null,"","","",""]
[null,"Goodwill and intangible assets deductions",null,292,null,0,null,0,null,null,null,292,null,null,null,null,null,null,null,null,null,null,null,"","","",""]
[null,"Excess of expected losses over impairment provisions",null,263,null,0,null,263,null,null,null,526,null,null,null,null,null,null,null,null,null,null,null,"","","",""]
[null,"Change in treatment of material holdings",null,0,null,-5517,null,-5516,null,11033,null,0]
[null,"Material holdings deduction",null,0,null,1704,null,1703,null,0,null,3407,null,null,null,null,null,null,null,null,null,null,null,"","","",""]
[null,"Eligible provisions",null,0,null,0,null,-618,null,0,null,-618,null,null,null,null,null,null,null,null,null,null,null,"","","",""]
[null,"Subordinated debt movements:",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"","","",""]
[null,"Foreign exchange",null,0,null,40,null,98,null,0,null,138,null,null,null,null,null,null,null,null,null,null,null,"","","",""]
[null,"New issuances",null,0,null,0,null,0,null,0,null,0,null,null,null,null,null,null,null,null,null,null,null,"","","",""]
[null,"Repurchases, redemptions, amortisation and other",null,0,null,-605,null,-1420,null,0,null,-2025,null,null,null,null,null,null,null,null,null,null,null,"","","",""]
[null,"Other movements",null,422,null,0,null,191,null,0,null,613,null,null,null,null,null,null,null,null,null,null,null,"","","",""]
[null,"At 31 December 2013",null,36991,null,1183,null,16583,null,0,null,54757,null,null,null,null,null,null,null,null,null,null,null,"","","",""]
[]
[1,"31 December 2012 comparatives have not been restated to reflect the implementation of IAS 19R and IFRS 10."]
[2,"Includes the impact to other comprehensive income and movement in the retirement benefit asset."]

{"sheet":"p73","index":44,"n_rows":42,"n_cols":6,"rows_kept":42,"cut":false,"hidden":false,"merged":[[10,4,12,4]]}
[null,"CAPITAL MANAGEMENT (continued)"]
[]
[null,"Risk-weighted assets"]
[null,null,null,"At ",null,"At "]
[null,null,null,"31 Dec ",null,"31 Dec "]
[null,null,null,"2013 ",null,"2012 "]
[null,"Divisional analysis of risk-weighted assets:",null,"£m ",null,"£m "]
[]
[null,"Retail",null,85677,null,95470]
[null,"Commercial Banking",null,138541,null,165209]
[null,"Wealth, Asset Finance and International",null,25886,null,36167]
[null,"Group Operations and Central items",null,13746,null,13453]
[null,null,null,263850,null,310299]
[]
[]
[null,null,null,"","",""]
[null,"Risk type analysis of risk-weighted assets:",null,"","",""]
[null,"Foundation Internal Ratings Based (IRB) approach",null,82870,"",80612]
[null,"Retail IRB",null,85139,"",91445]
[null,"Other IRB ",null,9221,"",12396]
[null,"IRB approach",null,177230,"",184453]
[null,"Standardised approach",null,41150,"",73665]
[null,"Credit risk",null,218380,"",258118]
[null,"Counterparty credit risk",null,7794,"",12848]
[null,"Operational risk",null,26594,null,27939]
[null,"Market risk",null,11082,"",11394]
[null,"Total risk-weighted assets",null,263850,"",310299]
[]
[]
[null,"Risk weighted asset movement by key driver",null,"£bn",null,"£bn"]
[null,"At 31 December 2012",null,null,"",310.3]
[null,"Management of balance sheet",null,-1.8,""]
[null,"Disposals",null,-20.7,""]
[null,"External economic factors",null,-15.4,""]
[null,"Model and methodology changes",null,3.2]
[null,"Regulatory policy change",null,-5.4,""]
[null,"Other",null,0.4]
[null,"Credit risk-weighted asset movement",null,null,null,-39.700000000000003]
[null,"Counterparty credit risk-weighted asset movement",null,null,null,-5.0999999999999996]
[null,"Operational risk-weighted asset movement",null,null,null,-1.3]
[null,"Market risk-weighted asset movement",null,null,null,-0.3]
[null,"At 31 December 2013",null,null,null,263.89999999999998]

{"sheet":"p75","index":45,"n_rows":62,"n_cols":15,"rows_kept":62,"cut":false,"hidden":false,"merged":[[4,5,4,7],[59,1,59,7],[60,1,60,7],[61,1,61,7]]}
[null,"CAPITAL MANAGEMENT (continued)"]
[]
[null,"Capital position on CRD IV basis"]
[]
[]
[null,"At 31 December 2013",null,"Prevailing rules as at 31 Dec 2013",null,"Transitional  CRD IV rules",null,"Fully loaded CRD IV rules"]
[null,null,null,"£m ",null,"£m ",null,"£m "]
[]
[null,"Core/common equity tier 1 (CET1)"]
[null,"Shareholders’ equity per balance sheet",null,38989,null,38989,null,38989,null,null,{"$f":"IF(IF(E10=\"\",TRUE,IF(CODE(E10)=150,TRUE,FALSE)),\"\",VALUE(SUBSTITUTE(E10,CHAR(160),\"\")))","v":""}]
[null,"Adjustments for insurance equity1",null,0,null,-1917,null,-1917]
[null,"Regulatory adjustments:"]
[null,"Non-controlling interests",null,32,null,0,null,0]
[null,"Unrealised reserves on available-for-sale assets",null,615,null,0,null,0,null,null,null,null,null,null,{"$f":"IF(IF(I14=\"\",TRUE,IF(CODE(I14)=150,TRUE,FALSE)),\"\",VALUE(SUBSTITUTE(I14,CHAR(160),\"\")))","v":""}]
[null,"Other adjustments",null,1614,null,1295,null,1295,null,null,null,null,null,null,""]
[null,null,null,{"$f":"SUM(D10:D15)","v":41250},null,{"$f":"SUM(F10:F15)","v":38367},null,{"$f":"SUM(H10:H15)","v":38367},null,null,null,null,null,null,""]
[null,"less: deductions from core/common equity tier 1",null,null,null,null,null,null,null,null,null,null,null,null,""]
[null,"Goodwill and other intangible assets1",null,-3815,null,-1979,null,{"$f":"F18","v":-1979},null,null,null,null,null,null,""]
[null,"Excess of expected losses over impairment provisions",null,-373,null,-866,null,{"$f":"F19","v":-866},null,null,null,null,null,null,""]
[null,"Securitisation deductions",null,-71,null,-141,null,{"$f":"F20","v":-141},null,null,null,null,null,null,""]
[null,"Significant investments1",null,0,null,-2909,null,-3185,null,null,null,null,null,null,""]
[null,"Deferred tax assets",null,0,null,-5025,null,-5155,null,null,null,null,null,null,""]
[null,"Core/common equity tier 1 capital",null,{"$f":"SUM(D16:D22)","v":36991},null,{"$f":"SUM(F16:F22)","v":27447},null,{"$f":"SUM(H16:H22)","v":27041},null,null,null,null,null,null,""]
[null,"Pro forma core/common equity tier 1 capital2",null,"n/a",null,28218,null,27925,null,null,null,null,null,null,""]
[]
[null,"Additional tier 1 (AT1)",null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(IF(I26=\"\",TRUE,IF(CODE(I26)=150,TRUE,FALSE)),\"\",VALUE(SUBSTITUTE(I26,CHAR(160),\"\")))","v":""}]
[null,"Additional tier 1 instruments",null,5042,null,4486,null,0,null,null,null,null,null,null,{"$f":"IF(IF(I27=\"\",TRUE,IF(CODE(I27)=150,TRUE,FALSE)),\"\",VALUE(SUBSTITUTE(I27,CHAR(160),\"\")))","v":""}]
[null,"less: deductions from tier 1",null,null,null,null,null,null,null,null,null,null,null,null,""]
[null,"Significant investments",null,-3859,null,-677,null,0,null,null,null,null,null,null,""]
[null,"Total tier 1 capital",null,38174,null,31256,null,27041,null,null,null,null,null,null,""]
[null,"Pro forma total tier 1 capital2",null,"n/a",null,32027,null,27925,null,null,null,null,null,null,""]
[]
[null,"Tier 2",null,null,null,null,null,null,null,null,null,null,null,null,""]
[null,"Tier 2 instruments",null,20392,null,19870,null,15636,null,null,null,null,null,null,""]
[null,"Unrealised gain on available-for-sale equity investments",null,135,null,0,null,0,null,null,null,null,null,null,""]
[null,"Eligible provisions",null,359,null,349,null,349,null,null,null,null,null,null,""]
[null,"less: deductions from tier 2",null,null,null,null,null,null,null,null,null,null,null,null,""]
[null,"Excess of expected losses over impairment provisions",null,-373,null,0,null,0,null,null,null,null,null,null,""]
[null,"Securitisation deductions",null,-71,null,0,null,0,null,null,null,null,null,null,""]
[null,"Significant investments",null,-3859,null,-1015,null,-1692,null,null,null,null,null,null,""]
[null,"Total capital resources",null,54757,null,50460,null,41334,null,null,null,null,null,null,""]
[null,"Pro forma total capital resources2",null,"n/a",null,51231,null,42218,null,null,null,null,null,null,""]
[]
[null,"Risk-weighted assets ",null,263850,null,272092,null,271078,null,null,null,null,null,null,""]
[null,"Risk-weighted assets - pro forma2",null,"n/a",null,272641,null,271908]
[]
[null,"Core/common equity tier 1 capital ratio",null,0.14000000000000001,null,0.10100000000000001,null,0.1,null,null,null,null,null,null,""]
[null,"Tier 1 capital ratio",null,0.14499999999999999,null,0.115,null,0.1,null,null,null,null,null,null,""]
[null,"Total capital ratio",null,0.20799999999999999,null,0.185,null,0.152,null,null,null,null,null,null,""]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,""]
[null,"Pro forma core/common equity tier 1 capital ratio2",null,"n/a",null,0.10299999999999999,null,0.10299999999999999,null,null,null,null,null,null,{"$f":"IF(IF(I51=\"\",TRUE,IF(CODE(I51)=150,TRUE,FALSE)),\"\",VALUE(SUBSTITUTE(I51,CHAR(160),\"\")))","v":""}]
[null,"Pro forma tier 1 capital ratio2",null,"n/a",null,0.11700000000000001,null,0.10299999999999999,null,null,null,null,null,null,{"$f":"IF(IF(I52=\"\",TRUE,IF(CODE(I52)=150,TRUE,FALSE)),\"\",VALUE(SUBSTITUTE(I52,CHAR(160),\"\")))","v":""}]
[null,"Pro forma total capital ratio2",null,"n/a",null,0.188,null,0.155,null,null,null,null,null,null,{"$f":"IF(IF(I53=\"\",TRUE,IF(CODE(I53)=150,TRUE,FALSE)),\"\",VALUE(SUBSTITUTE(I53,CHAR(160),\"\")))","v":""}]
[]
[null,"31 December 20123",null,null,null,null,null,null,null,null,null,null,null,null,""]
[null,"Core/common equity tier 1 capital ratio",null,0.12,"",0.11600000000000001,"",8.1000000000000003E-2,null,null,null,null,null,null,""]
[null,"Tier 1 capital ratio",null,0.13800000000000001,"",0.11600000000000001,"",8.1000000000000003E-2,null,null,null,null,null,null,""]
[null,"Total capital ratio",null,0.17299999999999999,"",0.16700000000000001,"",0.113,null,null,null,null,null,null,""]
[]
[1,"Removal of post-acquisition reserves impacts for Insurance business as under CRD IV, as implemented by PRA policy statement PS7/13, the deduction for significant investments in the equity of financial sector entities is based on cost of investment where previously this was based on net asset value.  The overall impact of this change on the CRD IV ratios is negligible."]
[2,"Includes the benefits of the announced sales of Heidelberger Leben, Scottish Widows Investment Partnership and Sainsbury’s Bank."]
[3,"31 December 2012 comparatives have not been restated to reflect the implementation of IAS 19R and IFRS 10."]

{"sheet":"p76","index":46,"n_rows":37,"n_cols":10,"rows_kept":37,"cut":false,"hidden":false,"merged":[[36,1,36,7],[33,1,33,7],[34,1,34,7],[35,1,35,7]]}
[null,"CAPITAL MANAGEMENT (continued)"]
[]
[null,"Movements in capital"]
[]
[null,null,null,"Common equity tier 1",null,"Additional Tier 1",null,"Additional Tier 2",null,"Total Capital"]
[null,null,null,"£m",null,"£m",null,"£m",null,"£m"]
[]
[null,"At 31 December 20121",null,37385,null,0,null,16424,null,53809]
[null,"Update to transitional phasing and treatment of insurance",null,-10979,null,3846,null,2748,null,-4385]
[null,"Loss attributable to ordinary shareholders",null,-838,null,0,null,0,null,-838]
[null,"Share issuance",null,510,null,0,null,0,null,510]
[null,"Pension movements:"]
[null,"Implementation of IAS 19R2",null,-1258,null,0,null,0,null,-1258]
[null,"Deduction of pension asset",null,515,null,0,null,0,null,515]
[null,"Movement through other comprehensive income",null,-108,null,0,null,0,null,-108]
[null,"Available-for-sale reserve",null,-1014,null,0,null,0,null,-1014]
[null,"Deferred tax asset",null,82,null,0,null,0,null,82]
[null,"Goodwill and intangible assets deductions",null,292,null,0,null,0,null,292]
[null,"Excess of expected losses over impairment provisions",null,406,null,0,null,0,null,406]
[null,"Significant investment deduction",null,2075,null,486,null,729,null,3290]
[null,"Eligible provisions",null,0,null,0,null,349,null,349]
[null,"Subordinated debt movements:"]
[null,"Grandfathering3",null,0,null,-557,null,172,null,-385]
[null,"Restucturing to ensure CRD IV compliance",null,0,null,0,null,932,null,932]
[null,"Foreign exchange",null,0,null,-49,null,-102,null,-151]
[null,"Repurchases, redemptions and other ",null,0,null,83,null,-2048,null,-1965]
[null,"Other movements",null,379,null,0,null,0,null,379]
[null,"At 31 December 2013",null,27447,null,3809,null,19204,null,50460]
[null,"Pro forma impacts4",null,771,null,0,null,0,null,771]
[null,"Pro forma at 31 December 20134",null,28218,null,3809,null,19204,null,51231]
[]
[]
[]
[1,"31 December 2012 comparatives have not been restated to reflect the implementation of IAS 19R and IFRS 10."]
[2,"Includes the impact to other comprehensive income and the movement in the retirement benefit asset."]
[3,"Includes movement from 90% to 80% grandfathering and adjustment due to further clarification of grandfathering rules."]
[4,"Includes the benefits of the announced sales of Heidelberger Leben, Scottish Widows Investment Partnership and Sainsbury’s Bank."]

{"sheet":"p78","index":47,"n_rows":42,"n_cols":15,"rows_kept":42,"cut":false,"hidden":false,"merged":[[41,1,41,5],[17,1,17,2],[4,4,4,5],[4,6,4,7],[37,1,37,6],[38,1,38,5],[39,1,39,5],[40,1,40,5]]}
[null,"CAPITAL MANAGEMENT (continued)"]
[]
[null,"Leverage ratio on CRD IV basis"]
[]
[null,"At 31 December 2013",null,"Transitional","Fully loaded",null,"Fully loaded (with  ineligible tier 1  instruments)1"]
[null,null,null,"£m ",null,"£m ",null,"£m "]
[null,"CRD IV rules"]
[null,"Total tier 1 capital"]
[null,"Common equity tier 1 capital",null,27447,null,27041,null,{"$f":"F9","v":27041},null,null,null,null,null,null,{"$f":"IF(IF(I9=\"\",TRUE,IF(CODE(I9)=150,TRUE,FALSE)),\"\",VALUE(SUBSTITUTE(I9,CHAR(160),\"\")))","v":""}]
[null,"Tier 1 subordinated debt",null,4486,null,0,null,5042,null,null,null,null,null,null,""]
[null,"Tier 1 deductions",null,-677,null,0,null,0,null,null,null,null,null,null,""]
[null,"Total tier 1 capital",null,{"$f":"SUM(D9:D11)","v":31256},null,{"$f":"SUM(F9:F11)","v":27041},null,{"$f":"SUM(H9:H11)","v":32083},null,null,null,null,null,null,""]
[null,"Pro forma total tier 1 capital",null,32027,null,27925,null,32967]
[]
[null,"Exposure measure",null,null,null,null,null,null,null,null,null,null,null,null,""]
[null,"Total statutory balance sheet assets",null,847030,null,{"$f":"D16","v":847030},null,{"$f":"F16","v":847030},null,null,null,null,null,null,""]
[null,"Adjustment for insurance assets",null,-84302,null,-83401,null,-83401,null,null,null,null,null,null,""]
[null,"Removal of accounting value for derivatives & securities financing transactions",null,-61686,null,-61686,null,-61686,null,null,null,null,null,null,""]
[null,"Exposure value for derivatives",null,24598,null,24598,null,24598,null,null,null,null,null,null,""]
[null,"Exposure value for securities financing transactions",null,6700,null,{"$f":"D20","v":6700},null,{"$f":"F20","v":6700}]
[null,"Off-balance sheet items",null,79927,null,79927,null,79927,null,null,null,null,null,null,""]
[null,"Other regulatory adjustments",null,-10308,null,-10437,null,-10437,null,null,null,null,null,null,""]
[null,"Total exposures",null,{"$f":"SUM(D16:D22)","v":801959},null,{"$f":"SUM(F16:F22)","v":802731},null,{"$f":"SUM(H16:H22)","v":802731}]
[null,"Pro forma total exposures2",null,809090,null,813055,null,{"$f":"F24","v":813055}]
[]
[null,"Leverage ratio",null,3.9E-2,null,3.4000000000000002E-2,null,0.04]
[null,"Pro forma leverage ratio2",null,0.04,null,3.4000000000000002E-2,null,4.1000000000000002E-2]
[null,"Leverage ratio at 31 December 20123",null,4.3999999999999997E-2,"",3.1E-2,"",3.7999999999999999E-2]
[]
[null,"Basel III December 2010 rules4  :"]
[null,"Leverage ratio",null,null,null,3.3000000000000002E-2,null,3.9E-2]
[null,"Pro forma leverage ratio2",null,null,null,3.4000000000000002E-2,null,0.04]
[]
[null,"Basel III Jan 2014 rules5 :"]
[null,"Leverage ratio",null,null,null,3.6999999999999998E-2,null,4.3999999999999997E-2]
[null,"Pro forma leverage ratio2",null,null,null,3.7999999999999999E-2,null,4.4999999999999998E-2]
[]
[1,"Includes the full value of additional tier 1 instruments reported under the prevailing rules as at 31 December 2013.  These instruments will become ineligible for inclusion in tier 1 capital over the transitional period."]
[2,"Includes the benefits of the announced sales of Heidelberger Leben, Scottish Widows Investment Partnership and Sainsbury’s Bank."]
[3,"31 December 2012 comparatives have not been restated to reflect the implementation of IAS19R and IFRS10."]
[4,"Exposure measure determined in accordance with the original December 2010 Basel III leverage ratio framework as interpreted through the July 2012 Basel III Quantitative Impact Study instructions and related guidance and as required by the PRA."]
[5,"Exposure measure estimated in accordance with the January 2014 revised Basel III leverage ratio framework."]