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[]
[]
[]
[]
[]
[]
[null,null,"LLOYDS BANKING GROUP plc"]
[null,null,"2014 RESULTS"]
[]
[]
[]
[null,null,"31 December 2014"]
[]
[]
[]
[null,null,"Excel Downloads of Relevant Tables"]

{"sheet":"Index","index":1,"n_rows":29,"n_cols":10,"rows_kept":29,"cut":false,"hidden":false,"merged":[[0,1,2,10]]}
[null,"INDEX\nA FULL COPY OF THE 2014 NEWS RELEASE CAN BE FOUND AT:\nhttp://www.lloydsbankinggroup.com/investors/financial-performance/lloyds-banking-group/"]
["\n"]
[]
[]
[]
[]
[null,"Consolidated income statement",null,2,null,null,"Group impairment charge by division",null,null,38]
[null,"Balance sheet and key ratios",null,2,null,null,"Group impaired loans and provisions -Dec 2014",null,null,39]
[null,"Summary consolidated balance sheet",null,3,null,null,"Group impaired loans and provisions - Dec 2013",null,null,40]
[null,"Total underlying income",null,8,null,null,"Retail - Credit Risk",null,null,42]
[null,"Total costs",null,9,null,null,"LTVs across Retail Mortgage portfolios",null,null,43]
[null,"Impairment",null,9,null,null,"Commercial Banking - Credit Risk",null,null,45]
[null,"Statutory profit",null,10,null,null,"Commercial Banking - Run-off",null,null,47]
[null,"Return on required equity and capital ratios",null,"13-14",null,null,"Commercial Banking - Run-off (continued)",null,null,48]
[null,"Funding and liquidity",null,15,null,null,"Forbearance - Retail",null,null,49]
[null,"Segmental analysis",null,17,null,null,"Forbearance - Commercial Banking",null,null,50]
[null,"Quarterly underlying basis",null,18,null,null,"Forbearance - Consumer Finance",null,null,50]
[null,"Retail",null,20,null,null,"Forbearance - Run-off (Ireland secured lending)",null,null,51]
[null,"Commercial Banking",null,22,null,null,"Forbearance - Run-off (unimpaired)",null,null,52]
[null,"Consumer Finance",null,24,null,null,"Group funding position",null,null,54]
[null,"Insurance",null,"26-27",null,null,"Reconciliation of Group funding to the balance sheet",null,null,55]
[null,"Insurance - comparative tables",null,"26-27",null,null,"Analysis of 2014 wholesale funding by residual maturity",null,null,55]
[null,"Run-off and Central Items",null,28,null,null,"Analysis of 2014 term issuance",null,null,56]
[null,"Reconciliation between statutory and underlying basis",null,29,null,null,"Liquidity portfolio",null,null,56]
[null,"Banking net interest margin",null,30,null,null,"Capital resources",null,null,59]
[null,"Volatility relating to the insurance business",null,"30-31",null,null,"Movements in capital",null,null,60]
[null,"Number of employees",null,32,null,null,"Risk-weighted assets",null,null,62]
[null,"TSB",null,32,null,null,"Risk-weighted assets - movement by key driver",null,null,63]
[null,"Risk-weighted assets",null,32,null,null,"Leverage ratio",null,null,65]

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[]
[null,"UNDERLYING BASIS CONSOLIDATED INCOME STATEMENT"]
[]
[]
[null,null,null,2014,null,2013]
[null,null,null,"£ million ",null,"£ million "]
[]
[null,"Net interest income",null,11761,null,10885]
[null,"Other income",null,6607,null,7920]
[null,"Total income",null,18368,null,18805]
[null,"Total costs",null,-9412,null,-9635]
[null,"Impairment ",null,-1200,null,-3004]
[null,"Underlying profit",null,7756,null,6166]
[]
[null,"Asset sales and other items",null,-1719,null,-280]
[null,"Simplification and TSB costs",null,-1524,null,-1517]
[null,"Payment Protection Insurance provision",null,-2200,null,-3050]
[null,"Other regulatory provisions",null,-925,null,-405]
[null,"Other items",null,374,null,-499]
[null,"Profit (loss) before tax – statutory",null,1762,null,415]
[null,"Taxation",null,-263,null,-1217]
[null,"Profit (loss) for the period",null,1499,null,-802]
[]
[null,"Underlying earnings per share1",null,"8.1p",null,"6.6p"]
[null,"Earnings (loss) per share",null,"1.7p",null,"-1.2p"]
[]
[null,"Banking net interest margin",null,2.4500000000000001E-2,null,2.12E-2]
[null,"Cost:income ratio2",null,0.51241289198606277,null,0.52900000000000003]
[null,"Asset quality ratio",null,2.3999999999999998E-3,null,5.7000000000000002E-3]
[null,"Return on risk-weighted assets3",null,3.0200000000000001E-2,null,2.1399999999999999E-2]
[null,"Return on assets3",null,9.1999999999999998E-3,null,7.0000000000000001E-3]
[null,"Underlying return on required equity4",null,0.13585524482937464,null,9.7000000000000003E-2]
[null,"Return on required equity4",null,3.000111711576732E-2,null,-1.2999999999999999E-2]
[]
[null,"BALANCE SHEET AND KEY RATIOS"]
[]
[null,null,null,"At  ",null,"At  "]
[null,null,null,"31 Dec 2014",null,"31 Dec 2013"]
[]
[null,"Loans and advances to customers5",null,477.6,null,492.9]
[null,"Loans and advances to customers excluding TSB, run-off and closed portfolios5,6",null,406.03174914533002,null,402.4]
[null,"Customer deposits7",null,447.1,null,436]
[null,"Loan to deposit ratio",null,1.0682,null,1.1299999999999999]
[null,"Total assets",null,854.9,null,842.4]
[null,"Run-off assets",null,16.899999999999999,null,33.299999999999997]
[null,"Wholesale funding",null,116,null,137.6]
[null,"Common equity tier 1 ratio8,9",null,0.128,null,0.10299999999999999]
[null,"Transitional total capital ratio8,9",null,0.22,null,0.188]
[null,"Risk-weighted assets7,8",null,239.7,null,271.89999999999998]
[null,"Leverage Ratio9",null,4.9000000000000002E-2,null,3.7999999999999999E-2]
[]
[null,"Net tangible assets per share",null,54.850718153833377,null,48.5]
[]
[]
[1,"In calculating of underlying earnings per share, tax has been assumed at the standard UK corporation tax rate for the year."]
[2,"Excluding impact of St. James's Place."]
[3,"Underlying profit before tax divided by average quarter end risk-weighted assets respectively."]
[4,"See definition on page 13."]
[5,"Excludes reverse repos of £5.1 billion (31 December 2013: £0.1 billion). Loans and advances comparative restated, see note 1 page 75."]
[]
[6,"Closed portfolios include the specialist mortgage book, Intelligent Finance and Dutch mortgages"]
[7,"Excludes repos of £nil (31 December 2013: £3.0 billion). Customer deposits comparative restated, see note 1, page 75."]
[8,"31 December 2013 comparatives reflect CRD IV rules as implemented by the PRA at 1 January 2014."]
[9,"31 December 2013 comparatives are reported on a pro forma basis that includes the benefit of the sales of Heidelberger Leben, Scottish Widows Investment Partnership and the Group's 50 per cent stake in Sainsbury's Bank."]
[10,"Following PRA guidance, calculated in accordance with the January 2014 revised Basel III leverage ratio framework."]

{"sheet":"3","index":3,"n_rows":36,"n_cols":6,"rows_kept":36,"cut":false,"hidden":false,"merged":[]}
[null,"SUMMARY CONSOLIDATED BALANCE SHEET"]
[]
[null,null,null,"At",null,"At"]
[null,null,null,"31 Dec 2014",null,"31 Dec 2013"]
[null,"Assets",null,"£ million ",null,"£ million "]
[]
[null,"Cash and balances at central banks",null,50492,null,49915]
[null,"Trading and other financial assets at fair value through profit or loss",null,151931,null,142683]
[null,"Derivative financial instruments",null,36128,null,30804]
[null,"Loans and receivables:"]
[null,"Loans and advances to customers",null,482704,null,492952]
[null,"Loans and advances to banks",null,26155,null,25365]
[null,"Debt securities",null,1213,null,1355]
[null,null,null,510072,null,519672]
[null,"Available-for-sale financial assets",null,56493,null,43976]
[null,"Other assets",null,49780,null,55330]
[null,"Total assets",null,854896,null,842380]
[]
[null,"Liabilities"]
[null,"Deposits from banks",null,10887,null,13982]
[null,"Customer deposits",null,447067,null,439467]
[null,"Trading and other financial liabilities at fair value through profit or loss",null,62102,null,43625]
[null,"Derivative financial instruments",null,33187,null,27658]
[null,"Debt securities in issue",null,76233,null,87102]
[null,"Liabilities arising from insurance and investment contracts",null,114486,null,110758]
[null,"Subordinated liabilities",null,26042,null,32312]
[null,"Other liabilities",null,34989,null,48140]
[null,"Total liabilities",null,804993,null,803044]
[]
[null,"Shareholders' equity",null,43335,null,38989]
[null,"Other equity instruments",null,5355,null,0]
[null,"Non-controlling interests",null,1213,null,347]
[null,"Total equity",null,49903,null,39336]
[null,"Total liabilities and equity",null,854896,null,842380]
[]
[1,"See note 1, page 75"]

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[]
[null,"CHIEF FINANCIAL OFFICER'S REVIEW OF FINANCIAL PERFORMANCE (continued)"]
[]
[null,"Total income"]
[]
[null,null,null,2014,null,2013]
[null,null,null,"£ million ",null,"£ million ","Change "]
[null,null,null,null,null,null,"% "]
[null,"Net interest income ",null,11761,null,10883.93798603,8]
[null,"Banking fees and commissions",null,2775,null,2987,-7]
[null,"Insurance income",null,1944,null,2234,-13]
[null,"Other",null,1437,null,1434,"-"]
[null,"Run-off",null,451,null,604,-25]
[null,"Other income",null,6607,null,7259,-9]
[null,"Total underlying income ",null,18368,null,18142.93798603,1]
[null,"St. James’s Place",null,0,null,662]
[null,"Total income",null,18368,null,18804.93798603,-2]
[]
[null,"Banking net interest margin",null,2.4500000000000001E-2,null,2.12E-2,"33bp"]
[null,"Banking net interest margin excluding TSB",null,2.3980780140422153E-2,null,2.1000000000000001E-2,"30bp"]
[null,"Average interest-earning banking assets",null,483.73946439999997,null,510.9,-5]
[null,"Average interest-earning banking assets excluding TSB",null,461.1,null,486.7,-5]

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[]
[null,"CHIEF FINANCIAL OFFICER'S REVIEW OF FINANCIAL PERFORMANCE (continued)"]
[]
[null,null,null,2014,null,2013,null,"Change "]
[null,null,null,"£ million ",null,"£ million ",null,"% "]
[null,"Total costs"]
[]
[null,"Total costs",null,9412,null,9635,null,2]
[null,"Operating lease depreciation included in costs",null,720,null,746,null,3]
[null,"Cost:income ratio1",null,0.51241289198606277,null,0.52900000000000003,null,"(1.7)pp"]
[null,"Adjusted cost:income ratio2",null,0.49766774309293149,null,0.48799999999999999,null,"-"]
[null,"Simplification savings annual run-rate",null,2042,null,1457,null,40]
[]
[null,"1 Excluding income of £662 million and costs of £44 million relating to St. James's Place in 2013"]
[null,"2 Excluding St. James's Place, operating lease depreciation deducted from income and costs and excluding TSB running costs"]
[]
[null,null,null,2014,null,2013,null,"Change "]
[null,null,null,"£ million ",null,"£ million ",null,"% "]
[null,"Impairment"]
[]
[null,"Impairment charge excluding Run-off",null,997,null,1615,null,38]
[null,"Run-off impairment charge included in the total charge",null,203,null,1389,null,85]
[null,"Total impairment charge",null,1200,null,3004,null,60]
[]
[null,"Asset quality ratio",null,2.3999999999999998E-3,null,5.7000000000000002E-3,null,"(33)bp"]
[]
[]
[]
[]
[null,"Group impaired loans as a % of closing advances",null,2.9154780340696063E-2,null,6.3E-2,null,"(3.4)pp"]
[null,"Group provisions as a % of impaired loans",null,0.56418196564181966,null,0.501,null,"6.3pp "]

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[]
[null,"CHIEF FINANCIAL OFFICER'S REVIEW OF FINANCIAL PERFORMANCE (continued)"]
[]
[null,"Statutory profit"]
[]
[null,null,null,null,2014,null,2013]
[null,null,null,null,"£ million ",null,"£ million "]
[]
[]
[null,null,"Underlying profit",null,7756,null,6166]
[null,null,"Asset sales and volatile items:",null,"",""]
[null,null,"Asset sales",null,138,null,-687]
[null,null,"Sale of government securities",null,0,null,787]
[null,null,"Liability management",null,-1386,null,-142]
[null,null,"Own debt volatility",null,398,null,-221]
[null,null,"Other volatile items",null,-112,null,-457]
[null,null,"Volatility arising in insurance businesses",null,-228,null,668]
[null,null,"Fair value unwind",null,-529,null,-228]
[null,null,null,null,-1719,null,-280]
[null,null,"Simplification and TSB costs"]
[null,null,"Simplification",null,-966,null,-830]
[null,null,"TSB build and dual running costs",null,-558,null,-687]
[null,null,null,null,-1524,null,-1517]
[null,null,"Legacy items:"]
[null,null,"Payment protection insurance provision",null,-2200,null,-3050]
[null,null,"Other regulatory provisions",null,-925,null,-405]
[null,null,null,null,-3125,null,-3455]
[null,null,"Other items:"]
[null,null,"Past service pensions credit (charge)",null,710,null,-104]
[null,null,"Amortisation of purchased intangibles",null,-336,null,-395]
[null,null,null,null,374,null,-499]
[null,null,"Profit before tax – statutory",null,1762,null,415]
[null,null,"Taxation",null,-263,null,-1217]
[null,null,"Profit (loss) for the year",null,1499,null,-802]
[]
[null,null,"Underlying earnings per share",null,8.1,null,6.6]
[null,null,"Earnings (loss) per share (p)",null,1.7,null,-1.2]

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[]
[null,"CHIEF FINANCIAL OFFICER'S REVIEW OF FINANCIAL PERFORMANCE (continued)"]
[]
[null,"Return on required equity",null,"At 31 Dec",null,"At 31 Dec","Change "]
[null,null,null,2014,null,2013,"% "]
[]
[null,"Underlying return on required equity",null,0.13585524482937464,null,9.7000000000000003E-2,"4.5pp"]
[null,"Statutory return on required equity",null,3.000111711576732E-2,null,-1.2999999999999999E-2,"4.3pp"]
[]
[]
[]
[null,"Capital ratios"]
[]
[null,null,null,"At 31 Dec",null,"At 31 Dec"]
[null,null,null,2014,null,2013,"Change "]
[]
[null,"Common equity tier 1 capital ratio1,3",null,0.128,null,0.10299999999999999,"2.5pp"]
[null,"Tier 1 capital ratio1,3",null,0.16500000000000001,null,0.11700000000000001,"4.8pp"]
[null,"Total capital ratio1,3",null,0.22,null,0.188,"3.2pp"]
[null,"Leverage ratio2,3",null,4.9000000000000002E-2,null,3.7999999999999999E-2,"1.1pp"]
[null,"Risk-weighted assets1,3",null,239.7,null,272.60000000000002,-0.12]
[]
[null,"Shareholders' equity",null,43.335000000000001,null,39,0.11]
[]
[1,"Common equity tier 1 ratio is the same on both fully loaded and transitional bases. 31 December 2013 comparatives reflect CRD IV rules as implemented by the PRA at 1 January 2014."]
[]
[2,"Calculated in accordance with the January 2014 revised Basel III leverage ratio framework."]
[3,"31 December 2013 comparatives are reported on a pro forma basis that includes the benefit of the sales of Heidelberger Leben, Scottish Widows Investment Partnership and the Group’s 50 per cent stake in Sainsbury’s Bank."]

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[]
[null,"CHIEF FINANCIAL OFFICER'S REVIEW OF FINANCIAL PERFORMANCE (continued)"]
[]
[null,"Funding and liquidity",null,"At",null,"At  "]
[null,null,null,"31 Dec 2014",null,"31 Dec 2013",null,"Change "]
[null,null,null,"£ million ",null,"£ million ",null,"% "]
[]
[null,"Loans and advances to customers1",null,477.6,null,492.9,null,-3]
[null,"Loans and advances to customers excluding TSB, run-off and closed portfolios1",null,406.03174914533002,null,402.4,null,1]
[null,"Run-off assets",null,16.899999999999999,null,33.299999999999997,null,-49]
[null,"Non-retail run-off assets ",null,10.775182109323472,null,25,null,-57]
[null,"Funded assets",null,493.4,null,508,null,-3]
[null,"Customer deposits2",null,447.1,null,436,null,2]
[null,"Wholesale funding",null,116,null,137,null,-15]
[null,"Wholesale funding <1 year maturity",null,41.1,null,44.2,null,-7]
[null,"Of which money-market funding <1 year maturity3",null,19,null,21.3,null,-11]
[null,"Loan to deposit ratio",null,1.0682,null,1.1298197581565137,null,"(6)pp"]
[null,"Primary liquid assets4",null,109.3,null,89.3,null,22]
[]
[1,"Excludes reverse repos of £5.1billion (31 December 2013: £0.1 billion). Loans and advances comparative restated, see note 1, page 75."]
[2,"Excludes repos of £nil (31 December 2013: £3.0 billion). Deposits comparatives restated, see note 1, page 75."]
[3,"Excludes balances relating to margins of £2.8 billion (31 December 2013: £2.3 billion) and settlement accounts of £1.4 billion (31 December 2013: £1.3 billion)."]
[4,"Including off-balance sheet liquid assets; includes TSB £4.5 billion (31 December 2013: £nil)."]

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[null,"UNDERLYING BASIS SEGMENTAL ANALYSIS"]
[null,null,null,"Retail",null,"Commercial Banking",null,"Consumer Finance",null,"Insurance ",null,"Run-off and Central items",null,"TSB",null,"Group "]
[]
[]
[null,2014]
[null,null,null,"£m ",null,"£m ",null,"£m ",null,"£m ",null,"£m ",null,"£m ",null,"£m "]
[]
[null,"Net interest income",null,7079,null,2480,null,1290,null,-131,null,257,null,786,null,11761]
[null,"Other income",null,1212,null,1956,null,1364,null,1725,null,210,null,140,null,6607]
[null,"Total underlying income",null,8291,null,4436,null,2654,null,1594,null,467,null,926,null,18368]
[null,"Total costs",null,-4464,null,-2147,null,-1429,null,-672,null,-330,null,-370,null,-9412]
[null,"Impairment",null,-599,null,-83,null,-215,null,0,null,-205,null,-98,null,-1200]
[null,"Underlying profit (loss)",null,3228,null,2206,null,1010,null,922,null,-68,null,458,null,7756]
[null,null,null,null,null,null,"",null,"",null,""]
[null,"Banking net interest margin",null,2.29E-2,null,2.6700000000000002E-2,null,6.4899999999999999E-2,null,null,null,null,null,null,null,2.4500000000000001E-2]
[null,"Asset quality ratio",null,1.9E-3,null,8.0000000000000004E-4,null,1.0500000000000001E-2,null,null,null,null,null,null,null,2.3999999999999998E-3]
[null,"Return on risk-weighted assets",null,4.5999999999999999E-2,null,1.9199999999999998E-2,null,4.87E-2,null,null,null,null,null,null,null,3.0200000000000001E-2]
[null,"Return on assets",null,1.0200000000000001E-2,null,9.4000000000000004E-3,null,4.02E-2,null,null,null,null,null,null,null,9.1999999999999998E-3]
[]
[null,"Key balance sheet items",null,"£bn ",null,"£bn ",null,"£bn ",null,"£bn ",null,"£bn ",null,"£bn ",null,"£bn "]
[null,"At 30 December 2014"]
[]
[null,"Loans and advances to customers",null,315.2,null,100.9,null,20.9,null,null,null,19,null,21.6,null,477.6]
[null,"Customer deposits",null,285.5,null,119.9,null,15,null,null,null,2.1,null,24.6,null,447.1]
[null,"Total customer balances1",null,600.70000000000005,null,220.8,null,39,null,null,null,21.1,null,46.2,null,927.8]
[]
[null,"Risk-weighted assets2",null,67.7,null,106.2,null,20.9,null,null,null,39.700000000000003,null,5.2,null,239.7]
[]
[]
[null,"CHECK"]
[]
[null,2013]
[null,null,null,"£m ",null,"£m ",null,"£m ",null,"£m ",null,"£m ",null,"£m ",null,"£m "]
[]
[null,"Net interest income",null,6500,null,2113,null,1333,null,-107,null,431,null,615,null,10885]
[null,"Other income",null,1435,null,2259,null,1359,null,1864,null,840,null,163,null,7920]
[null,"Total underlying income",null,7935,null,4372,null,2692,null,1757,null,1271,null,778,null,18805]
[null,"Total costs",null,-4160,null,-2084,null,-1384,null,-669,null,-775,null,-563,null,-9635]
[null,"Impairment",null,-760,null,-398,null,-343,null,0,null,-1394,null,-109,null,-3004]
[null,"Underlying profit (loss)",null,3015,null,1890,null,965,null,1088,null,-898,null,106,null,6166]
[null,null,null,null,null,null,"",null,"",null,""]
[null,"Banking net interest margin",null,2.0899999999999998E-2,null,2.2100000000000002E-2,null,6.9400000000000003E-2,null,null,null,null,null,null,null,2.12E-2]
[null,"Asset quality ratio",null,2.3999999999999998E-3,null,3.7000000000000002E-3,null,1.7600000000000001E-2,null,null,null,null,null,null,null,5.7000000000000002E-3]
[null,"Return on risk-weighted assets",null,3.8100000000000002E-2,null,1.5299999999999999E-2,null,4.5100000000000001E-2,null,null,null,null,null,null,null,2.1399999999999999E-2]
[null,"Return on assets",null,9.4999999999999998E-3,null,7.7000000000000002E-3,null,3.9E-2,null,null,null,null,null,null,null,7.0000000000000001E-3]
[]
[null,"Key balance sheet items",null,"£bn ",null,"£bn ",null,"£bn ",null,"£bn ",null,"£bn ",null,"£bn ",null,"£bn "]
[null,"At 31 Dec 2014"]
[]
[null,"Loans and advances to customers",null,314.3,null,105.7,"",19.100000000000001,"",null,"",30.3,null,23.5,"",492.9]
[null,"Customer deposits",null,283.2,null,108.7,"",18.7,"",null,"",2.8,null,23.1,"",436.5]
[null,"Total customer balances1",null,597.5,null,214.4,"",40.6,"",null,"",33.1,null,46.6,"",932.2]
[null,null,null,"",null,"","","","",null,"","",null,"","",""]
[null,"Risk-weighted assets2",null,72.900000000000006,null,124,"",20.100000000000001,"","","",48.5,null,5.6,"",271.10000000000002]
[]
[]
[1,"See note 5, page 82."]
[2,"Total customer balances include loans and advances to customers, customer deposit balances and Consumer Finance operating lease assets."]
[3,"Segment information has been restated to reflect the changes made to the Grouo's operating structure that came into effect from 1 January 2014. Loans and advances to customers and customer deposits have been restated, see note 1, page 75."]
[4,"31 December 2013 comparatives reflect CRD IV rules on a fully loaded basis as implemented by the PRA at 1 January 2014."]

{"sheet":"18","index":10,"n_rows":51,"n_cols":11,"rows_kept":51,"cut":false,"hidden":false,"merged":[[26,7,27,7],[26,9,27,9],[26,3,27,3],[26,5,27,5]]}
[null,"UNDERLYING BASIS - QUARTERLY INFORMATION"]
[]
[]
[null,null,null,"Quarter ended ",null,"Quarter ended ",null,"Quarter ended ",null,"Quarter ended "]
[null,null,null,"31 Dec 2014",null,"30Sept 2014",null,"30 June 2014",null,"31 Mar 2014"]
[null,null,null,"£m ",null,"£m ",null,"£m ",null,"£m "]
[]
[null,"Net interest income",null,2923,null,3034,"",2993,"",2811,""]
[null,"Other income",null,1547,null,1612,"",1730,"",1718,""]
[null,"Total income",null,4470,null,4646,"",4723,"",4529,""]
[null,"Total costs",null,-2505,null,-2232,"",-2377,"",-2298,""]
[null,"Impairment",null,-183,null,-259,"",-327,"",-431,""]
[null,"Underlying profit",null,1782,null,2155,"",2019,"",1800,""]
[null,"Asset sales and other items",null,34,null,-186,null,-1687,null,120]
[null,"Simplification and TSB costs",null,-460,null,-236,null,-362,null,-466]
[null,"PPI",null,-700,null,-900,null,-600,null,0]
[null,"Other regulatory provisions",null,-425,null,0,null,-500,null,0]
[null,"Other items",null,-83,null,-82,null,624,null,-85]
[null,"Statutory (loss) profit",null,148,null,751,null,-506,null,1369]
[]
[null,"Banking net interest margin",null,2.47E-2,null,2.5100000000000001E-2,null,2.4799999999999999E-2,null,2.3199999999999998E-2]
[null,"Asset quality ratio",null,1.5E-3,null,2E-3,null,2.5999999999999999E-3,null,3.5000000000000001E-3]
[null,"Cost:income ratio",null,0.56040268456375841,null,0.48,null,0.50328181240736825,null,0.50739677633031577]
[null,"Return on risk-weighted assets",null,2.8899999999999999E-2,null,3.3700000000000001E-2,null,3.09E-2,null,2.7099999999999999E-2]
[null,"Return on assets",null,8.3000000000000001E-3,null,1.01E-2,null,9.7000000000000003E-3,null,8.6999999999999994E-3]
[]
[null,null,null,"Quarter ended 31 Dec 2013",null,"Quarter ended 30 Sept 2013",null,"Quarter ended 30 June 2013",null,"Quarter ended 31 Mar 2013"]
[]
[null,null,null,"£m ",null,"£m ",null,"£m ",null,"£m "]
[]
[null,"Net interest income",null,2918,null,2761,"",2653,"",2552,""]
[null,"Other income",null,1754,null,1776,"",1872,"",1857,""]
[null,"St. James's Place",null,114,null,18,null,50,null,480]
[null,"Total income",null,4786,null,4555,"",4575,"",4889,""]
[null,"Total costs",null,-2525,null,-2361,"",-2341,"",-2408,""]
[null,"Impairment",null,-521,null,-670,"",-811,"",-1002,""]
[null,"Underlying profit (loss)",null,1740,null,1524,"",1423,"",1479,""]
[null,"Asset sales and other items",null,-468,null,-709,null,-176,null,1073]
[null,"Simplification and TSB costs",null,-323,null,-408,null,-377,null,-409]
[null,"PPI",null,-1800,null,-750,null,-500,null,0]
[null,"Other regulatory provisions",null,-330,null,0,null,-75,null,0]
[null,"Other items",null,-98,null,-97,null,-201,null,-103]
[null,"Statutory (loss) profit",null,-1279,null,-440,null,94,null,2040]
[null,null,null,null,null,null,null,null,null,null,""]
[null,"Banking net interest margin",null,2.29E-2,null,2.1700000000000001E-2,null,2.06E-2,null,1.9599999999999999E-2]
[null,"Asset quality ratio",null,4.0000000000000001E-3,null,5.1000000000000004E-3,null,5.7000000000000002E-3,null,8.0000000000000002E-3]
[null,"Cost:income ratio 1",null,0.54045376712328763,null,0.52038792153405333,null,0.51734806629834251,null,0.53600000000000003]
[null,"Return on risk-weighted assets",null,2.5499999999999998E-2,null,2.1399999999999999E-2,null,1.9300000000000001E-2,null,1.9599999999999999E-2]
[null,"Return on assets",null,8.0999999999999996E-3,null,6.8999999999999999E-3,null,6.4999999999999997E-3,null,6.6E-3]
[]
[1,"Excluding impact of St. James's Place."]

{"sheet":"20","index":11,"n_rows":35,"n_cols":8,"rows_kept":35,"cut":false,"hidden":false,"merged":[[1,6,2,6],[39,6,41,6],[1,1,2,1],[16,1,16,2],[39,1,41,1],[39,2,41,2],[39,4,41,4],[18,2,20,2],[34,1,34,5],[38,3,38,4],[1,4,2,4]]}
[null,"Retail"]
[]
[null,null,null,2014,null,2013,null,"Change "]
[null,null,null,"£m ",null,"£m 1",null,"% "]
[]
[null,"Net interest income",null,7079,null,6500,null,9]
[null,"Other income",null,1212,null,1435,null,-16]
[null,"Total underlying income",null,8291,null,7935,null,4]
[null,"Total costs2",null,-4464,null,-4160,null,-7]
[null,"Impairment",null,-599,null,-760,null,21]
[null,"Underlying profit",null,3228,null,3015,null,7]
[]
[null,"Banking net interest margin",null,2.29E-2,null,2.0899999999999998E-2,null,"20bp"]
[null,"Asset quality ratio",null,1.9E-3,null,2.3999999999999998E-3,null,"(5)bp"]
[null,"Return on risk-weighted assets",null,4.5999999999999999E-2,null,3.8100000000000002E-2,null,"79bp"]
[null,"Return on assets",null,1.0200000000000001E-2,null,9.4999999999999998E-3,null,"7bp"]
[]
[]
[null,null,null,"At 31 Dec",null,"At 31 Dec"]
[null,"Key balance sheet items",null,2014,null,2013,null,"Change "]
[null,null,null,"£bn ",null,"£bn",null,"% "]
[]
[null,"Loans and advances excluding closed portfolios",null,284.7,null,280.39999999999998,null,2]
[null,"Closed portfolios",null,30.5,null,33.9,null,-10]
[null,"Loans and advances to customers",null,315.2,null,314.3,null,"-"]
[null,"Relationship balances",null,247.90681855189996,null,238.4,null,4]
[null,"Tactical balances",null,37.59318144810004,null,44.8,null,-16]
[null,"Customer deposits",null,285.5,null,283.2,null,1]
[null,"Total customer balances",null,600.70000000000005,null,597.5,null,1]
[]
[null,"Risk-weighted assets2",null,67.7,null,72.900000000000006,null,-7]
[]
[]
[1,"Restated to reflect the changes to the Group operating structure that came into effect from 1 January 2014."]
[2,"Risk-weighted assets under rules prevailing 1 January 2014"]

{"sheet":"22","index":12,"n_rows":35,"n_cols":8,"rows_kept":35,"cut":false,"hidden":false,"merged":[[0,6,1,6],[42,6,44,6],[32,1,33,7],[41,3,41,4],[42,1,44,1],[42,2,44,2],[42,4,44,4],[1,1,2,1],[15,1,15,2],[17,1,18,1],[17,2,18,2],[0,4,1,4]]}
[null,"Commercial Banking"]
[null,null,null,2014,null,2013,null,"Change "]
[null,null,null,"£m ",null,"£m 1",null,"% "]
[]
[null,"Net interest income",null,2480,null,2113,null,17]
[null,"Other income",null,1956,null,2259,null,-13]
[null,"Total underlying income",null,4436,null,4372,null,1]
[null,"Total costs",null,-2147,null,-2084,null,-3]
[null,"Impairment",null,-83,null,-398,null,79]
[null,"Underlying profit",null,2206,null,1890,null,17]
[]
[null,"Banking net interest margin",null,2.6700000000000002E-2,null,2.2100000000000002E-2,null,"46bp"]
[null,"Asset quality ratio",null,8.0000000000000004E-4,null,3.7000000000000002E-3,null,"(29)bp"]
[null,"Return on risk-weighted assets",null,1.9199999999999998E-2,null,1.5299999999999999E-2,null,"39bp"]
[null,"Return on assets",null,9.4000000000000004E-3,null,7.7000000000000002E-3,null,"17bp"]
[]
[]
[null,null,null,"At ",null,"At "]
[null,null,null,"31 Dec 2014",null,"31 Dec 20131",null,"Change "]
[null,"Key balance sheet items",null,"£bn ",null,"£bn",null,"% "]
[]
[null,"SME",null,27.9,null,26.6,null,5]
[null,"Other",null,73,null,79.099999999999994,null,-8]
[null,"Loans and advances to customers",null,100.9,null,105.7,null,-5]
[]
[null,"Customer deposits",null,119.9,null,108.7,null,10]
[]
[null,"Total Customer balances",null,220.8,null,214.4,null,3]
[]
[null,"Risk-weighted assets2",null,106.2,null,124,null,-14]
[]
[]
[1,"Restated to reflect the changes to the Group operating structure that came into effect from 1 January 2014. Loans and advances to customers and customer deposits have been restated, see note 1, page 75."]
[]
[2,"31 December 2013 comparatives reflect CRD IV rules as implemented by the PRA at 1 January 2014."]

{"sheet":"24","index":13,"n_rows":38,"n_cols":8,"rows_kept":38,"cut":false,"hidden":false,"merged":[[1,6,2,6],[47,6,49,6],[45,3,45,5],[47,1,49,1],[47,2,49,2],[46,4,48,4],[46,5,48,5],[36,3,36,5],[1,1,2,1],[1,4,2,4],[18,1,18,2],[20,1,22,1],[20,2,22,2]]}
[null,"Consumer Finance"]
[]
[null,null,null,2014,null,2013,null,"Change "]
[null,null,null,"£m ",null,"£m 1",null,"% "]
[]
[null,"Net interest income",null,1290,null,1333,null,-3]
[null,"Other income",null,1364,null,1359,null,"-"]
[null,"Total underlying income",null,2654,null,2692,null,-1]
[null,"Total costs",null,-1429,null,-1384,null,-3]
[null,"     of which operating lease depreciation",null,-667,null,-653,null,-2]
[null,"Impairment",null,-215,null,-343,null,37]
[null,"Underlying profit",null,1010,null,965,null,5]
[]
[null,"Banking net interest margin",null,6.4899999999999999E-2,null,6.9400000000000003E-2,null,"(45)bp"]
[null,"Asset quality ratio",null,1.0500000000000001E-2,null,1.7600000000000001E-2,null,"(71)bp"]
[null,"Impaired loans as % of closing advances",null,3.3845719926667607E-2,null,4.8000000000000001E-2,null,"(140)bp"]
[null,"Return on risk-weighted assets",null,4.87E-2,null,4.5100000000000001E-2,null,"36bp"]
[null,"Return on assets",null,4.02E-2,null,3.9E-2,null,"12bp"]
[]
[]
[null,null,null,"At ",null,"At "]
[null,null,null,"31 Dec 2014",null,"31 Dec 2013",null,"Change "]
[null,null,null,"£bn ",null,"£bn",null,"% "]
[null,"Key balance sheet items"]
[]
[null,"Loans and advances to customers",null,20.9,null,19.100000000000001,null,9]
[null,"Of which UK",null,16,null,13.7,null,17]
[null,"Operating lease assets",null,3.1,null,2.8,null,11]
[null,"Total customer assets",null,24,null,21.900000000000002,null,10]
[null,"Of which UK",null,19.100000000000001,null,16.5,null,16]
[null,"Customer deposits",null,15,null,18.7,null,-20]
[null,"Total customer balances",null,39,null,40.599999999999994,null,-4]
[]
[null,"Risk-weighted assets",null,20.9,null,20.100000000000001,null,4]
[]
[]
[1,"Restated to reflect the changes to the Group operating structure that came into effect from 1 January 2014."]
[2,"31 December 2013 comparatives reflect CRD IV rules as implemented by the PRA at 1 January 2014."]

{"sheet":"26-27","index":14,"n_rows":80,"n_cols":14,"rows_kept":80,"cut":false,"hidden":false,"merged":[[23,3,23,11],[54,3,54,11],[1,1,2,1],[1,2,1,3],[2,2,2,3],[1,6,2,6],[17,1,17,11],[18,1,18,11],[35,1,35,11],[36,1,36,11],[37,1,37,11]]}
[null,"Insurance"]
[]
[null,null,null,null,null,2014,null,2013,null,"Change "]
[null,null,null,null,null,"£m ",null,"£m ",null,"% "]
[]
[null,"Net interest income",null,null,null,-131,null,-107,null,-22]
[null,"Other income",null,null,null,2054,null,2220,null,-7]
[null,"Insurance claims",null,null,null,-329,null,-356,null,-8]
[null,"Total underlying income",null,null,null,1594,null,1757,null,-9]
[null,"Total costs",null,null,null,-672,null,-669,null,"-"]
[null,"Underlying profit",null,null,null,922,null,1088,null,-15]
[]
[null,"Operating cash generation",null,null,null,737,null,682,null,8]
[null,"UK LP&I sales (PVNBP)2",null,null,null,8601,null,9934,null,-13]
[null,"General insurance total GWP",null,null,null,1197,null,1307,null,-8]
[null,"General insurance combined ratio",null,null,null,0.76235665628035154,null,0.77,null,"(1)pp"]
[]
[1,"Restated to reflect the changes to the Group operating structure that came into effect from 1 January 2014."]
[2,"Present value of new business premiums."]
[]
[]
[]
[null,"Profit by product group"]
[null,null,null,2014,null,null,null,null,null,null,null,null,null,2013]
[null,null,null,"Pensions & investments",null,"Protection & retirement1",null,"General Insurance",null,"Other2",null,"Total",null,"Total"]
[null,null,null,"£m",null,"£m",null,"£m",null,"£m",null,"£m",null,"£m"]
[null,"New business income",null,189,null,74,null,0,null,5,null,268,null,423]
[null,"Existing business income",null,658,null,120,null,0,null,114,null,892,null,807]
[null,"Assumption changes and experience variances",null,-219,null,277,null,0,null,-24,null,34,null,70]
[null,"General Insurance income net of claims",null,0,null,0,null,400,null,0,null,400,null,457]
[null,"Total underlying income",null,628,null,471,null,400,null,95,null,1594,null,1757]
[null,"Total costs",null,-381,null,-127,null,-144,null,-20,null,-672,null,-669]
[null,"Underlying profit",null,247,null,344,null,256,null,75,null,922,null,1088]
[]
[]
[1,"Retirement assumption changes and experience variances include the benefit of acquiring from Commercial Banking, £1.7 billion of loans during 2014; bringing total social housing, infrastructure and education loans acquired to £3.9 billion."]
[2,"’Other’ is primarily income from return on free assets, interest expense, certain provisions plus a small element of European business."]
[]
[]
[]
[]
[null,"Profit by product group"]
[null,null,null,null,null,null,null,2013]
[null,null,null,"Pensions & investments",null,"Protection & retirement1",null,"General Insurance",null,"Other2",null,"Total"]
[null,null,null,"£m",null,"£m",null,"£m",null,"£m",null,"£m"]
[null,"New business income",null,276,null,139,null,0,null,8,null,423]
[null,"Existing business income",null,599,null,132,null,0,null,76,null,807]
[null,"Assumption changes and experience variances",null,-158,null,302,null,0,null,-73,null,71]
[null,"General Insurance income net of claims",null,0,null,0,null,457,null,0,null,457]
[null,"Total underlying income",null,717,null,573,null,457,null,11,null,1758]
[null,"Total costs",null,-360,null,-128,null,-160,null,-22,null,-670]
[null,"Underlying profit",null,350,null,445,null,297,null,-11,null,1088]
[]
[null,"Operating cash generation"]
[null,null,null,2014,null,null,null,null,null,null,null,null,null,2013]
[null,null,null,"Pensions & investments",null,"Protection & retirement",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,-238,null,-38,null,0,null,-12,null,-288,null,-270]
[null,"Cash generated from existing business",null,452,null,177,null,0,null,140,null,769,null,655]
[null,"Cash generated from General Insurance",null,0,null,0,null,256,null,0,null,256,null,297]
[null,"Operating cash generation",null,214,null,139,null,256,null,128,null,737,null,682]
[null,"Intangibles and other adjustments",null,33,null,205,null,0,null,-53,null,185,null,406]
[null,"Underlying profit before tax",null,247,null,344,null,256,null,75,null,922,null,1088]
[]
[null,"Operating cash generation 2013",null,224,null,136,null,297,null,25,null,682]
[]
[]
[null,"Operating cash generation"]
[null,null,null,null,null,null,null,2013]
[null,null,null,"Pensions & investments",null,"Protection & retirement",null,"General Insurance",null,"Other",null,"Total"]
[null,null,null,"£m",null,"£m",null,"£m",null,"£m",null,"£m"]
[null,"Cash invested in new business",null,-261,null,-3,null,0,null,-6,null,-270]
[null,"Cash generated from existing business",null,485,null,139,null,0,null,31,null,655]
[null,"Cash generated from General Insurance",null,0,null,0,null,297,null,0,null,297]
[null,"Operating cash generation",null,224,null,136,null,297,null,25,null,682]
[null,"Intangibles and other adjustments",null,133,null,309,null,0,null,-36,null,406]
[null,"Underlying profit before tax 2013",null,357,null,445,null,297,null,-11,null,1088]
[]
[]
[null,"2013 restated to reflect the changes to the Group operating structure that came into effect from 1 January 2014."]

{"sheet":"28","index":15,"n_rows":38,"n_cols":9,"rows_kept":38,"cut":false,"hidden":false,"merged":[[37,1,37,5],[27,1,27,7],[2,1,3,1],[26,1,26,7],[22,1,22,5],[23,1,23,5]]}
[null,"Run-off"]
[]
[]
[null,null,null,2014,null,2013]
[null,null,null,"£m ",null,"£m 1"]
[null,null,null,null,null,null,null,null,""]
[null,"Net interest income",null,-116,null,138,null,null,""]
[null,"Other income",null,451,null,1266,null,null,""]
[null,"Total Income",null,335,null,1404,null,null,""]
[null,"Total costs",null,-308,null,-726,null,null,""]
[null,"Impairment",null,-203,null,-1389,null,null,""]
[null,"Underlying loss",null,-176,null,-711,null,null,""]
[null,"Total underlying income excl. SJP",null,335,null,742]
[null,"Underlying loss excl. SJP",null,-176,null,-1329]
[]
[null,null,null,"£bn",null,"£bn"]
[null,"Loans and advances to customers",null,14.4,null,27.7]
[null,"Total assets",null,16.899999999999999,null,33.299999999999997]
[null,"Risk-weighted assets2",null,16.8,null,30.6,null,null,""]
[null,null,null,null,null,null,null,null,""]
[]
[]
[1," Restated to reflect the changes to the Group operating structure that came into effect from 1 January 2014."]
[2,"31 December 2013 comparatives reflect CRD IV rules as implemented by the PRA at 1 January 2014."]
[]
[]
[]
[]
[null,"Central Items"]
[null,null,null,2014,null,2013]
[null,null,null,"£m ",null,"£m 1"]
[]
[null,"Total underlying income (expense)",null,132,"",-133]
[null,"Total costs",null,-22,"",-49]
[null,"Impairment",null,-2,"",-5]
[null,"Underlying profit (loss)",null,108,"",-187]
[]
[1," Restated to reflect the changes to the Group operating structure that came into effect from 1 January 2014."]

{"sheet":"29","index":16,"n_rows":38,"n_cols":24,"rows_kept":38,"cut":false,"hidden":false,"merged":[[33,1,34,15],[37,1,38,15],[22,16,23,16],[2,4,2,13],[10,1,10,2],[18,4,18,13],[26,1,26,2]]}
[null,"Reconciliation between statutory and underlying basis results "]
[]
[]
[null,null,null,"Lloyds ",null,null,null,"Volatility "]
[null,2014,null,"Banking ",null,"Acquisition ",null,"relating to the",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,"statutory ",null,"other  items1",null,"business",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,"Net interest income",null,10660,null,-7,null,0,null,482,null,0,null,626,null,11761]
[null,"Other income, net of insurance claims",null,5739,null,1141,null,228,null,-614,null,0,null,113,null,6607]
[null,"Total underlying income",null,16399,null,1134,null,228,null,-132,null,0,null,739,null,18368]
[null,"Operating expenses3",null,-13885,null,1175,null,0,null,132,null,3125,null,41,null,-9412]
[null,"Impairment",null,-752,null,-197,null,0,null,0,null,0,null,-251,null,-1200]
[null,"Profit (loss)",null,1762,null,2112,null,228,null,0,null,3125,null,529,null,7756]
[]
[]
[]
[]
[null,null,null,"Lloyds ",null,null,null,"Volatility "]
[null,2013,null,"Banking ",null,"Acquisition ",null,"relating to the",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,"statutory ",null,"other  items1",null,"business",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,"Net interest income",null,7338,null,-14,null,0,null,2930,null,0,null,631,null,10885]
[null,"Other income, net of insurance claims",null,11140,null,460,null,-668,null,-3074,null,0,null,62,null,7920]
[null,"Total underlying income",null,18478,null,446,null,-668,null,-144,null,0,null,693,null,18805]
[null,"Operating expenses3",null,-15322,null,2041,null,0,null,144,null,3455,null,47,null,-9635]
[null,"Impairment",null,-2741,null,249,null,0,null,0,null,0,null,-512,null,-3004]
[null,"Profit (loss)",null,415,null,2736,null,-668,null,0,null,3455,null,228,null,6166]
[]
[]
[1,"Comprises the effects of asset sales (gain of £138 million), volatile items (gain of £286 million), liability management (loss of £1,386 million), Simplification costs related to severance, IT and business costs of implementation (£966 million), TSB build and dual running costs (£558 million), the past service pensions credit (£710 million) and the amortisation of purchased intangibles (£336 million)."]
[]
[2,"Comprises the payment protection insurance provision of £2,200 million (2013: £3,050 million) and other regulatory provisions of £925 million (2013: £405 million)"]
[3,"On an underlying basis, this is described as total costs"]
[4,"Comprises effects of asset sales (gain of £100 million), volatile items (loss of £678 million), liability management (loss of £142 million), Simplfication costs (£830 million), TSB build and dual running costs (£687 million), the past service pensions charge (£104 million) and the amortisation of purchased intangibles (£395 million)."]

{"sheet":"30-31","index":17,"n_rows":48,"n_cols":6,"rows_kept":48,"cut":false,"hidden":false,"merged":[[22,1,22,5]]}
[null,"Banking net interest margin"]
[]
[null,null,null,2014,null,2013]
[null,null,null,"£m ",null,"£m "]
[]
[null,"Banking net interest income – underlying basis",null,11845,null,10841]
[null,"Insurance division",null,-131,null,-107]
[null,"Other net interest income (including trading activity)",null,47,null,151]
[null,"Group net interest income – underlying basis",null,11761,null,10885]
[null,"Fair value unwind",null,-626,null,-631]
[null,"Banking volatility and liability management gains",null,7,null,14]
[null,"Insurance gross up",null,-482,null,-2930]
[null,"Volatility relating to the insurance business",null,0,null,0]
[null,"Group net interest income – statutory",null,10660,null,7338]
[]
[null,"Average interest-earning assets",null,2014,null,2013]
[null,null,null,"£m ",null,"£m "]
[null,"Average loans and advances (gross)",null,504.2,null,518.70000000000005]
[null,"Non-banking assets",null,-11.6,null,-8.8000000000000007]
[null,"Other1",null,-8.9,null,1]
[null,"Average interest-earning assets",null,483.7,null,510.90000000000003]
[]
[1,"Other includes adjustments for assets that are netted for interest earning purposes, reverse repos and the timing effect of disposals."]
[]
[]
[]
[null,"Volatility relating to the insurance business"]
[]
[null,null,null,2014,null,2013]
[null,null,null,"£m ",null,"£m "]
[]
[null,"Insurance volatility",null,-219,null,218]
[null,"Policyholder interests volatility1",null,17,null,564]
[null,"Total volatility",null,-202,null,782]
[null,"Insurance hedging arrangements",null,-26,null,-114]
[null,"Total",null,-228,null,668]
[]
[1,"2013 includes volatility relating to the Group’s interest in St. James’s Place."]
[]
[]
[null,"Insurance volatility"]
[null,"United Kingdom",null,2014,null,2013]
[null,null,null,"%",null,"%"]
[]
[null,"Investments backing annuity liabilities",null,4.54,null,3.83]
[null,"Equities and property",null,6.48,null,5.58]
[null,"UK Government bonds",null,3.48,null,2.58]
[null,"Corporate bonds",null,4.08,null,3.18]

{"sheet":"32","index":18,"n_rows":51,"n_cols":6,"rows_kept":51,"cut":false,"hidden":false,"merged":[[50,1,51,5],[41,1,42,5],[43,1,44,5],[46,1,47,5]]}
[null,"Number of employees (full-time equivalent)"]
[null,null,null,2014,null,2013]
[null,null,null,"£m ",null,"£m "]
[]
[null,"Retail",null,35383,null,38844]
[null,"Commercial Banking",null,6188,null,6752]
[null,"Consumer Finance",null,3485,null,3393]
[null,"Insurance",null,2015,null,2373]
[null,"Run-off and Central items",null,32078,null,32813]
[null,"TSB",null,7685,null,7140]
[null,null,null,86834,null,91315]
[null,"Agency staff (full-time equivalent)",null,-2344,null,-2338]
[null,"Total number of employees (full-time equivalent)",null,84490,null,88977]
[null,"Total number of employees excluding TSB",null,76978,null,81840]
[]
[]
[null,"TSB",null,2014,null,2013]
[null,null,null,"£m ",null,"£m "]
[]
[null,"On a Lloyds Banking Group reporting basis (underlying profit)",null,458,null,106]
[null,"Recognition of product transfers1",null,0,null,-200]
[null,"Cost allocation2",null,0,null,217]
[null,"TSB dual running costs3",null,-326,null,0]
[null,"Volatile items4",null,-17,null,-46]
[null,"Defined benefit pension scheme settlement gain5",null,64,null,0]
[null,"FSCS levy adjustment6",null,0,null,10]
[null,"Other",null,0,null,-2]
[null,"Reported in the TSB results RNS",null,170,null,85]
[]
[null,null,null,2014,null,2013]
[null,null,null,"£bn",null,"£bn"]
[]
[null,"Risk-weighted assets:"]
[]
[null,"On a Lloyds Banking Group reporting basis",null,5.2,null,5.6]
[null,"Risk-weighted assets for operational risk",null,1.5,null,0.4]
[null,"Other",null,0.2,null,0.2]
[null,"Reported in the TSB results announcement",null,6.9,null,6.2]
[]
[]
[1,"On the Lloyds Banking Group reporting basis, all product transfers to TSB are assumed to have occurred on 1 January 2013."]
[2,"In 2013, TSB was allocated costs on the same basis as the other business segments. In 2014, costs have been charged to TSB in accordance with the Transitional Service Agreement and the costs that were previously allocated to TSB have been charged to the other business segments."]
[]
[3,"This represents corporate head office and similar costs incurred by TSB. The Group has excluded these from underlying profit to provide a more meaningful view of underlying business costs as they represent the duplicated costs of running two corporate head offices. These costs form part of the continuing TSB cost base and are reflected in the Group’s statutory profit before tax."]
[]
[4,"Banking volatility reported below underlying profit in the Lloyds Banking Group results. "]
[5,"Following the transfer of employees from employment with Lloyds Banking Group companies to TSB Bank, the defined benefit scheme assets and liabilities have been derecognised from the TSB Bank balance sheet and settled with nil cash consideration, resulting in a one off gain of £64 million.  This is eliminated at Lloyds Banking Group level."]
[]
[6,"Adjustment to reflect the change in timing of the FSCS charge."]
[7,"The TSB risk-weighted assets for operational risk is determined by TSB as a standalone organisation."]
[8,"Other relates mainly to risk-weighted assets that result from TSB's standalone capital calculations, for example threshold adjustments and exposures with other businesses in the Lloyds Banking Group."]

{"sheet":"38","index":19,"n_rows":43,"n_cols":8,"rows_kept":43,"cut":false,"hidden":false,"merged":[]}
[null,"Group impairment charge by division"]
[]
[]
[null,null,null,2014,null,2013,null,"Change"]
[null,"Group",null,"£m ",null,"£m "]
[]
[null,"Retail:",null,null,""]
[null,"Secured",null,281,null,249,null,-0.12851405622489959]
[null,"Loans and overdrafts",null,279,null,478,null,0.41631799163179917]
[null,"Other",null,39,null,33,null,-0.18181818181818182]
[null,null,null,599,null,760,null,0.21184210526315789]
[null,"Commercial Banking:"]
[null,"SME",null,15,null,162,null,0.90740740740740744]
[null,"Other",null,68,null,236,null,0.71186440677966101]
[null,null,null,83,null,398,null,0.79145728643216084]
[null,"Consumer Finance:"]
[null,"Credit Cards",null,186,null,274,null,0.32116788321167883]
[null,"Asset Finance UK",null,30,null,52,null,0.42307692307692307]
[null,"Asset Finance Europe",null,-1,null,17]
[null,null,null,215,null,343,null,0.37317784256559766]
[null,"Run-off:"]
[null,"Ireland retail",null,-6,null,-26,null,0.76923076923076927]
[null,"Ireland commercial real estate",null,67,null,219,null,0.69406392694063923]
[null,"Ireland corporate",null,247,null,415,null,0.40481927710843374]
[null,"Corporate real estate and other corporate",null,-28,null,522]
[null,"Specialist finance",null,22,null,345,null,0.93623188405797098]
[null,"Other",null,-99,null,-86,null,0.15116279069767441]
[null,null,null,203,null,1389,null,0.85385169186465082]
[null,"TSB",null,98,null,109,null,0.10091743119266056]
[null,"Central items",null,2,null,5,null,0.6]
[null,"Total impairment charge",null,1200,null,3004,null,0.60053262316910783]
[]
[null,"Impairment charge as a % of average advances",null,2.3999999999999998E-3,null,5.7000000000000002E-3]
[]
[null,"Total impairment charge comprises:"]
[null,null,null,2014,null,2013]
[null,null,null,"£m ",null,"£m "]
[]
[null,"Loans and advances to customers",null,1183,null,2988,null,0.60408299866131188]
[null,"Debt securities classified as loans and receivables ",null,2,null,1,null,-1]
[null,"Available-for-sale financial assets",null,5,null,15,null,0.66666666666666663]
[null,"Other credit risk provision",null,10,null,0]
[null,"Total impairment charge",null,1200,null,3004,null,0.60053262316910783]

{"sheet":"39","index":20,"n_rows":40,"n_cols":14,"rows_kept":40,"cut":false,"hidden":false,"merged":[[37,3,37,13],[38,3,38,13],[39,3,39,13]]}
[null,"Group impaired loans and provisions"]
[]
[null,null,null,"At 31 Dec 2014",null,"Loans and advances to customers ",null,"Impaired loans ",null,"Impaired loans as a % of closing advances ",null,"Impairment provisions1",null,"Impairment provisions as a % of impaired loans2"]
[null,null,null,null,null,"£m ",null,"£m ",null,"% ",null,"£m ",null,"% "]
[]
[null,null,null,"Retail"]
[null,null,null,"Secured",null,303121,null,3911,null,1.2902438300216744E-2,null,1446,null,0.36972641268217848]
[null,null,null,"Loans and overdrafts",null,10395,null,695,null,6.6859066859066854E-2,null,220,null,0.8527131782945736]
[null,null,null,"Other",null,3831,null,321,null,8.3790133124510571E-2,null,68,null,0.23050847457627119]
[null,null,null,null,null,317347,null,4927,null,1.5525591860014433E-2,null,1734,null,0.38844086021505375]
[null,null,null,"Commercial Banking"]
[null,null,null,"SME",null,28256,null,1546,null,5.4714043035107587E-2,null,398,null,0.25743855109961189]
[null,null,null,"Other",null,74203,null,1695,null,2.2842742207188387E-2,null,1196,null,0.70560471976401185]
[null,null,null,null,null,102459,null,3241,null,3.1632165061146411E-2,null,1594,null,0.49182351126195617]
[null,null,null,"Consumer Finance:"]
[null,null,null,"Credit Cards",null,9119,null,499,null,5.4720912380743503E-2,null,166,null,0.76497695852534564]
[null,null,null,"Asset Finance UK",null,7204,null,160,null,2.2209883398112161E-2,null,112,null,0.7]
[null,null,null,"Asset Finance Europe",null,4950,null,61,null,1.2323232323232323E-2,null,31,null,0.50819672131147542]
[null,null,null,null,null,21273,null,720,null,3.3845719926667607E-2,null,309,null,0.70547945205479456]
[null,null,null,"Run-off:"]
[null,null,null,"Ireland retail",null,4464,null,120,null,2.6881720430107527E-2,null,141,null,1.175]
[null,null,null,"Ireland commercial real estate",null,1797,null,1659,null,0.92320534223706174,null,1385,null,0.83484026522001209]
[null,null,null,"Ireland corporate",null,1639,null,1393,null,0.84990848078096404,null,1095,null,0.78607322325915285]
[null,null,null,"Corporate real estate and other corporate",null,3947,null,1548,null,0.39219660501646819,null,911,null,0.58850129198966405]
[null,null,null,"Specialist finance",null,4835,null,364,null,7.5284384694932788E-2,null,254,null,0.69780219780219777]
[null,null,null,"Other",null,1634,null,131,null,8.0171358629130968E-2,null,141,null,1.0763358778625953]
[null,null,null,null,null,18316,null,5215,null,0.28472373880759994,null,3927,null,0.75302013422818792]
[null,null,null,"TSB",null,21729,null,205,null,9.4343964287357911E-3,null,88,null,0.42926829268292682]
[null,null,null,"Reverse repos and other items3",null,9635]
[null,null,null,"Total gross lending",null,490759,null,14308,null,2.9154780340696063E-2,null,7652,null,0.56418196564181966]
[null,null,null,"Impairment provisions",null,-7652]
[null,null,null,"Fair value adjustments4",null,-403]
[null,null,null,"Total Group",null,482704]
[]
[]
[]
[null,1,null,"Impairment provisions include collective unimpaired provisions."]
[null,2,null,"Impairment provisions as a percentage of impaired loans are calculated excluding Retail and Consumer Finance loans in recoveries (31 December 2014: £437 million in Retail loans and overdrafts, £26 million in Retail other and £282 million in Consumer Finance credit cards)."]
[null,3,null,"Includes £4.4 billion (31 December 2013: £2.6 billion) of lower risk loans (social housing, infrastructure and education) transferred from Commercial Banking division into Insurance division's shareholder funds to support the Group's annuity portfolio."]
[null,4,null,"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 £251 million for the period ended 31 December 2014 (31 December 2013: £512 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":"40","index":21,"n_rows":40,"n_cols":12,"rows_kept":40,"cut":false,"hidden":false,"merged":[[39,1,39,11]]}
[null,"Group impaired loans and provisions"]
[]
[]
[null,"At 31 December 2013",null,"Loans and advances to customers ",null,"Impaired loans ",null,"Impaired loans as a % of closing advances ",null,"Impairment provisions1,2",null,"Impairment provisions as a % of impaired loans3"]
[null,null,null,"£m ",null,"£m ",null,"% ",null,"£m ",null,"% "]
[]
[]
[null,"Retail"]
[null,"Secured",null,302019,null,5503,null,1.8,null,1447,null,26.3]
[null,"Loans and overdrafts",null,10598,null,819,null,7.7,null,285,null,83.1]
[null,"Other",null,4148,null,408,null,9.8000000000000007,null,106,null,28.3]
[null,null,null,316765,null,6730,null,2.1,null,1838,null,29.5]
[null,"Commercial Banking"]
[null,"SME",null,27268,null,2194,null,8,null,623,null,28.4]
[null,"Other",null,80782,null,2853,null,3.5,null,1761,null,61.7]
[null,null,null,108050,null,5047,null,4.7,null,2384,null,47.2]
[null,"Consumer Finance:"]
[null,"Credit Cards",null,9008,null,639,null,7.1,null,226,null,96.6]
[null,"Asset Finance UK",null,5061,null,221,null,4.4000000000000004,null,140,null,63.3]
[null,"Asset Finance Europe",null,5478,null,86,null,1.6,null,45,null,52.3]
[null,null,null,19547,null,946,null,4.8,null,411,null,76]
[null,"Run-off:"]
[null,"Ireland retail",null,5944,null,1002,null,16.899999999999999,null,638,null,63.7]
[null,"Ireland commercial real estate",null,5512,null,5087,null,92.3,null,3775,null,74.2]
[null,"Ireland corporate",null,3918,null,3235,null,82.6,null,2305,null,71.3]
[null,"Corporate real estate and other corporate",null,11571,null,8131,null,70.3,null,3320,null,40.799999999999997]
[null,"Specialist finance",null,9017,null,1368,null,15.2,null,565,null,41.3]
[null,"Other",null,2519,null,486,null,19.3,null,372,null,76.5]
[null,null,null,38481,null,19309,null,50.2,null,10975,null,56.8]
[null,"TSB",null,23553,null,227,null,1,null,99,null,43.6]
[null,"Reverse repos and other items",null,2779]
[null,"Total gross lending",null,509175,null,32259,null,6.3,null,15707,null,50.1]
[null,"Impairment provisions",null,-15707]
[null,"Fair value adjustments",null,-516]
[null,"Total Group",null,492952]
[]
[]
[1,"Loans and advances to customers restated."]
[2,"Impairment provisions include collective unimpaired provisions."]
[3,"Impairment provisions as a percentage of impaired loans are calculated excluding Retail and Consumer Finance loans in recoveries (31 December 2013: £476 million in Retail loans and overdrafts, £34 million in Retail other and £405 million in Consumer Finance credit cards)."]

{"sheet":"42","index":22,"n_rows":36,"n_cols":18,"rows_kept":36,"cut":false,"hidden":false,"merged":[[4,17,5,17],[26,11,26,13],[26,15,26,17],[3,16,5,16],[26,3,26,5],[26,7,26,9],[4,15,5,15],[4,1,4,7]]}
[null,"CREDIT RISK PORTFOLIO (continued)"]
[]
[null,"Retail (continued)"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"At",null,"At "]
[null,"Retail secured and unsecured loans and advances to customers",null,null,null,null,null,null,null,null,null,null,null,null,null,"31 Dec 2014",null,"31 Dec 2013"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,2014]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"£m ",null,"£m "]
[]
[null,"Mainstream",null,null,null,null,null,null,null,null,null,null,null,null,null,228176,null,228030]
[null,"Buy to let",null,null,null,null,null,null,null,null,null,null,null,null,null,53322,null,50346]
[null,"Specialist1",null,null,null,null,null,null,null,null,null,null,null,null,null,21623,null,23643]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,303121,null,302019]
[]
[null,"Loans",null,null,null,null,null,null,null,null,null,null,null,null,null,8204,null,8282]
[null,"Overdrafts",null,null,null,null,null,null,null,null,null,null,null,null,null,2191,null,2316]
[null,"Wealth",null,null,null,null,null,null,null,null,null,null,null,null,null,2962,null,3232]
[null,"Retail Business Banking",null,null,null,null,null,null,null,null,null,null,null,null,null,869,null,916]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,14226,null,14746]
[]
[null,"Total",null,null,null,null,null,null,null,null,null,null,null,null,null,317347,null,316765]
[]
[1,"Specialist lending has been closed to new business since 2009"]
[]
[]
[null,"Retail mortgages greater than three months in arrears (excluding repossessions)"]
[]
[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,"At 31 December",null,2014,null,2013,null,2014,null,2013,null,2014,null,2013,null,2014,null,2013]
[null,null,null,"Cases ",null,"Cases ",null,"% ",null,"% ",null,"£m ",null,"£m ",null,"% ",null,"% "]
[]
[null,"Mainstream",null,37849,"",50437,"",1.7,"",2.2000000000000002,"",4102,"",5683,"",1.8,"",2.5]
[null,"Buy to let",null,5077,"",6250,"",1.1000000000000001,"",1.4,"",658,"",859,"",1.2,"",1.7]
[null,"Specialist",null,9429,"",11870,"",6.3,"",7.3,"",1584,"",2051,"",7.3,"",8.6999999999999993]
[null,"Total",null,52355,"",68557,"",1.8,"",2.2999999999999998,"",6344,"",8593,"",2.1,"",2.8]
[]
[1,"Value of loans represents total book value of mortgages more than three months in arrears."]

{"sheet":"43","index":23,"n_rows":41,"n_cols":16,"rows_kept":41,"cut":false,"hidden":false,"merged":[]}
[null,"CREDIT RISK PORTFOLIO (continued)"]
[]
[null,"Retail (continued)"]
[]
[null,"Period end and average LTVs across the Retail mortgage portfolios"]
[]
[null,"At 31 Dec 2014",null,null,null,"Mainstream ",null,"Buy to let ",null,"Specialist",null,"Total ",null,"Unimpaired",null,"Impaired"]
[null,null,null,null,null,"% ",null,"% ",null,"% ",null,"% ",null,"% ",null,"% "]
[]
[null,"Less than 60%",null,null,null,44.6,null,32.4,null,31.4,null,41.5,null,41.7,null,22.5]
[null,"60% to 70%",null,null,null,19.899999999999999,null,27.3,null,19.5,null,21.2,null,21.3,null,15.3]
[null,"70% to 80%",null,null,null,18.5,null,21.8,null,19.8,null,19.2,null,19.2,null,17.8]
[null,"80% to 90%",null,null,null,10.6,null,9.4,null,14.9,null,10.7,null,10.6,null,16.7]
[null,"90% to 100%",null,null,null,4.5,null,6.8,null,8.6999999999999993,null,5.2,null,5.2,null,11.9]
[null,"Greater than 100%",null,null,null,1.9,null,2.2999999999999998,null,5.7,null,2.2000000000000002,null,2,null,15.8]
[null,"Total",null,null,null,100,null,100,null,100.00000000000001,null,100.00000000000001,null,100,null,100]
[]
[null,"Outstanding loan value (£m)",null,null,null,228176,null,53322,null,21623,null,303121,null,299210,null,3911]
[null,"Average loan to value:1",null,null,null,"","","","","","",""]
[null,"Stock of residential mortgages",null,null,null,46.3,null,61.3,null,59.2,null,49.2]
[null,"New residential lending",null,null,null,65.3,null,62.7,null,"n/a",null,64.8]
[null,"Impaired mortgages",null,null,null,60.1,null,81,null,72.599999999999994,null,64.900000000000006]
[]
[null,"At 31 December 2013",null,null,null,"Mainstream ",null,"Buy to let ",null,"Specialist",null,"Total ",null,"Unimpaired",null,"Impaired"]
[null,null,null,null,null,"% ",null,"% ",null,"% ",null,"% ",null,"% ",null,"% "]
[]
[null,"Less than 60%",null,null,null,36.4,"",19.100000000000001,"",20.100000000000001,"",32.299999999999997,null,32.6,null,15.3]
[null,"60% to 70%",null,null,null,16.600000000000001,"",20.7,"",15.7,"",17.2,null,17.3,null,11.2]
[null,"70% to 80%",null,null,null,19.8,"",26.5,"",19.3,"",20.9,null,21,null,15.4]
[null,"80% to 90%",null,null,null,15.2,"",15.7,"",20.100000000000001,"",15.6,null,15.6,null,17.7]
[null,"90% to 100%",null,null,null,7.4,"",11.6,"",14.3,"",8.6,null,8.5,null,16.100000000000001]
[null,"Greater than 100%",null,null,null,4.5999999999999996,"",6.4,"",10.5,"",5.4,null,5,null,24.3]
[null,"Total",null,null,null,100,"",100,"",99.999999999999986,"",100,null,100,null,99.999999999999986]
[]
[null,"Outstanding loan value (£m)",null,null,null,228030,null,50346,null,23643,null,302019,null,296516,null,5503]
[null,"Average loan to value:1",null,null,null,"","","","","","",""]
[null,"Stock of residential mortgages",null,null,null,49.9,"",67.900000000000006,"",66.2,"",53.3]
[null,"New residential lending",null,null,null,64,"",64,"","n/a","",64]
[null,"Impaired mortgages",null,null,null,67.2,"",90.4,"",80.8,"",72.2]
[]
[1,"Average loan to value is calculated as total loans and advances as a percentage of the total collateral of these loans and advances"]

{"sheet":"45","index":24,"n_rows":40,"n_cols":12,"rows_kept":40,"cut":false,"hidden":false,"merged":[]}
[null,"CREDIT RISK PORTFOLIO (continued)"]
[]
[null,"Commercial Banking (continued)"]
[]
[null,"UK Direct Real Estate LTV"]
[]
[null,"At 31 Dec 20141",null,null,null,"Unimpaired",null,"Impaired",null,"Total"]
[null,null,null,null,null,"£m",null,"£m",null,"£m",null,"%"]
[null,"UK exposures >£5 million"]
[null,"Less than 60%",null,null,null,3985,null,52,null,4037,null,47.8]
[null,"60% to 70%",null,null,null,1644,null,62,null,1706,null,20.2]
[null,"70% to 80%",null,null,null,964,null,17,null,981,null,11.6]
[null,"80% to 100%",null,null,null,66,null,211,null,277,null,3.3]
[null,"100% to 120%",null,null,null,0,null,0,null,0,null,0]
[null,"120% to 140%",null,null,null,130,null,6,null,136,null,1.6]
[null,"Greater than 140%",null,null,null,0,null,95,null,95,null,1.1000000000000001]
[null,"Unsecured",null,null,null,1222,null,0,null,1222,null,14.4]
[null,null,null,null,null,8011,null,443,null,8454,null,99.999999999999986]
[null,"UK exposures <£5million",null,null,null,8833,null,644,null,9477]
[null,"Total",null,null,null,16844,null,1087,null,17931]
[]
[]
[]
[null,"At 31 December 20131",null,null,null,"Unimpaired",null,"Impaired",null,"Total"]
[null,null,null,null,null,"£m",null,"£m",null,"£m",null,"%"]
[null,"UK exposures >£5 million"]
[null,"Less than 60%",null,null,null,4365,null,79,null,4444,null,42.4]
[null,"60% to 70%",null,null,null,2113,null,69,null,2182,null,20.8]
[null,"70% to 80%",null,null,null,1117,null,42,null,1159,null,11]
[null,"80% to 100%",null,null,null,285,null,122,null,407,null,3.9]
[null,"100% to 120%",null,null,null,20,null,351,null,371,null,3.5]
[null,"120% to 140%",null,null,null,130,null,170,null,300,null,2.9]
[null,"Greater than 140%",null,null,null,79,null,206,null,285,null,2.7]
[null,"Unsecured",null,null,null,1336,null,6,null,1342,null,12.8]
[null,null,null,null,null,9445,null,1045,null,10490,null,100.00000000000001]
[null,"UK exposures <£5million",null,null,null,8565,null,715,null,9280]
[null,"Total",null,null,null,18010,null,1760,null,19770]
[]
[]
[1,"Exposures exclude £0.4 billion of gross UK Direct Real Estate lending in Wealth (within Retail division)"]

{"sheet":"47","index":25,"n_rows":61,"n_cols":16,"rows_kept":61,"cut":false,"hidden":false,"merged":[[45,5,45,7],[45,9,45,11]]}
[null,"CREDIT RISK PORTFOLIO (continued)"]
[]
[null,"Run-off (continued)"]
[]
[null,"Ireland retail mortgage LTV analysis"]
[]
[null,"At 31 Dec 2014",null,null,null,"Unimpaired",null,"Unimpaired",null,"Impaired",null,"Impaired",null,"Total ",null,"Total"]
[null,null,null,null,null,"£m",null,"% ",null,"£m",null,"% ",null,"£m",null,"%"]
[]
[null,"Less than 60%",null,null,null,979,null,22.5,null,18,null,15.2,null,997,null,22.4]
[null,"60% to 70%",null,null,null,356,null,8.1999999999999993,null,4,null,3.4,null,360,null,8.1]
[null,"70% to 80%",null,null,null,425,null,9.8000000000000007,null,4,null,3.4,null,429,null,9.6]
[null,"80% to 100%",null,null,null,925,null,21.3,null,14,null,11.9,null,939,null,21]
[null,"100% to 120%",null,null,null,933,null,21.5,null,15,null,12.7,null,948,null,21.2]
[null,"120% to 140%",null,null,null,505,null,11.6,null,14,null,11.9,null,519,null,11.6]
[null,"Greater than 140%",null,null,null,221,null,5.0999999999999996,null,49,null,41.5,null,270,null,6.1]
[null,"Total",null,null,null,4344,null,99.999999999999986,null,118,null,100,null,4462,null,99.999999999999986]
[null,"Average loan to value:"]
[null,"Stock of residential mortgages",null,null,null,null,null,null,null,null,null,null,null,null,null,88.5]
[null,"Impaired mortgages",null,null,null,null,null,null,null,null,null,null,null,null,null,124.7]
[]
[]
[]
[null,"At 31 December 2013",null,null,null,"Unimpaired",null,"Unimpaired",null,"Impaired",null,"Impaired",null,"Total ",null,"Total"]
[null,null,null,null,null,"£m",null,"% ",null,"£m",null,"% ",null,"£m",null,"%"]
[]
[null,"Less than 60%",null,null,null,800,null,16.3,null,109,null,10.943775100401606,null,909,null,15.3]
[null,"60% to 70%",null,null,null,297,null,6,null,56,null,5.6224899598393572,null,353,null,5.9]
[null,"70% to 80%",null,null,null,362,null,7.3,null,81,null,8.1325301204819276,null,443,null,7.5]
[null,"80% to 100%",null,null,null,826,null,16.7,null,199,null,19.979919678714857,null,1025,null,17.3]
[null,"100% to 120%",null,null,null,936,null,18.899999999999999,null,218,null,21.887550200803211,null,1154,null,19.399999999999999]
[null,"120% to 140%",null,null,null,894,null,18.100000000000001,null,161,null,16.164658634538153,null,1055,null,17.8]
[null,"Greater than 140%",null,null,null,826,null,16.7,null,172,null,17.269076305220885,null,998,null,16.8]
[null,"Total",null,null,null,4941,null,99.999999999999986,null,996,null,100,null,5937,null,100]
[null,"Average loan to value:"]
[null,"Stock of residential mortgages",null,null,null,null,null,null,null,null,null,null,null,null,null,102.3]
[null,"Impaired mortgages",null,null,null,null,null,null,null,null,null,null,null,null,null,104.7]
[]
[]
[null,"Run-off (continued)"]
[]
[null,"Ireland commercial real estate LTV"]
[]
[]
[]
[null,null,null,null,null,"At 31 Dec 2014",null,null,null,"At 31 Dec 2013"]
[null,"LTV - Ireland Wholesale Commercial Real Estate",null,null,null,"£m",null,"% ",null,"£m",null,"% "]
[]
[]
[null,"Gross exposures > €5 million:"]
[null,"Less than 100%",null,null,null,65,null,5,null,198,null,4.5999999999999996]
[null,"100% to 200%",null,null,null,281,null,21.3,null,550,null,12.9]
[null,"200% to 300%",null,null,null,151,null,11.5,null,891,null,20.8]
[null,"300% to 400%",null,null,null,90,null,6.8,null,513,null,12]
[null,"Greater than 400%",null,null,null,494,null,37.5,null,1682,null,39.4]
[null,"Unsecured",null,null,null,236,null,17.899999999999999,null,440,null,10.3]
[null,null,null,null,null,1317,null,100,null,4274,null,99.999999999999986]
[null,"Gross exposures < €5 million",null,null,null,480,null,null,null,1238]
[null,"Total gross exposure",null,null,null,1797,null,null,null,5512]
[null,"Impairment provisions",null,null,null,-1385,null,null,null,-3775]
[null,"Total net exposure",null,null,null,412,null,null,null,1737]

{"sheet":"48","index":26,"n_rows":25,"n_cols":20,"rows_kept":25,"cut":false,"hidden":false,"merged":[]}
[null,"CREDIT RISK PORTFOLIO (continued)"]
[]
[null,"Run-off (continued)"]
[]
[null,"Run-off UK Direct Real Estate LTV analysis"]
[]
[]
[]
[]
[null,null,null,null,null,null,null,"At 31 December 2014",null,null,null,null,null,null,null,"At 31 December 2013"]
[]
[null,"At 31 December 2014",null,null,null,"Unimpaired",null,"Impaired",null,"Total",null,null,null,"Unimpaired",null,"Impaired",null,"Total"]
[null,null,null,null,null,"£m",null,"£m",null,"£m",null,"%",null,"£m",null,"£m",null,"£m",null,"%"]
[null,"UK exposures >£5 million"]
[null,"Less than 100%",null,null,null,1578,null,204,null,1782,null,0.67600000000000005,null,2021,null,725,null,2746,null,0.42299999999999999]
[null,"100% to 200%",null,null,null,34,null,440,null,474,null,0.18,null,34,null,1630,null,1664,null,0.25600000000000001]
[null,"200% to 300%",null,null,null,0,null,86,null,86,null,3.3000000000000002E-2,null,0,null,461,null,461,null,7.0999999999999994E-2]
[null,"300% to 400%",null,null,null,0,null,149,null,149,null,5.7000000000000002E-2,null,0,null,400,null,400,null,6.2E-2]
[null,"Greater than 400%",null,null,null,0,null,144,null,144,null,5.3999999999999999E-2,null,6,null,1196,null,1202,null,0.185]
[null,"Unsecured",null,null,null,0,null,0,null,0,null,0,null,0,null,23,null,23,null,3.0000000000000001E-3]
[null,null,null,null,null,1612,null,1023,null,2635,null,1.0010000000000001,null,2061,null,4435,null,6496,null,1]
[null,"UK exposures <£5million",null,null,null,412,null,261,null,673,null,null,null,618,null,525,null,1143]
[null,"Total",null,null,null,2024,null,1284,null,3308,null,null,null,2679,null,4960,null,7639]
[null,"Impairment provisions",null,null,null,0,null,-547,null,-547,null,null,null,0,null,-2635,null,-2635]
[null,"Total net exposure",null,null,null,2024,null,737,null,2761,null,null,null,2679,null,2325,null,5004]

{"sheet":"49","index":27,"n_rows":22,"n_cols":14,"rows_kept":22,"cut":false,"hidden":false,"merged":[[25,1,25,13],[4,3,6,5],[4,7,6,9],[4,11,6,13],[22,1,22,13],[21,1,21,13]]}
[null,"CREDIT RISK PORTFOLIO (continued)"]
[null,"Forbearance"]
[]
[null,"Retail forbearance"]
[null,"UK retail 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 December",null,2014,null,2013,null,2014,null,2013,null,2014,null,2013]
[null,null,null,"£m",null,"£m",null,"£m",null,"£m",null,"%",null,"%"]
[null,"UK secured lending:"]
[null,"Temporary forbearance arrangements"]
[null,"Reduced contractual monthly payment2",null,146,null,957,null,29,null,221,null,6,null,4.0999999999999996]
[null,"Reduced payment arrangements3",null,552,null,1336,null,69,null,157,null,3.4,null,3.2]
[null,null,null,698,null,2293,null,98,null,378,null,4,null,3.6]
[null,"Permanent treatments"]
[null,"Repair and term extensions4",null,3696,null,3860,null,168,null,296,null,3.5,null,3.4]
[null,"Total",null,4394,null,6153,null,266,null,674,null,3.5,null,3.5]
[]
[null,"UK unsecured lending:"]
[null,"Loans and overdrafts5",null,162,null,191,null,139,null,169,null,39.4,null,45.8]
[]
[1,"£4,128 million of current and recent forborne secured loans and advances were not impaired at 31 December 2014 (31 December 2013: £5,479 million). £23 million of current and recent forborne loans and overdrafts were not impaired at 31 December 2014 (31 December 2013: £22 million)."]

{"sheet":"50","index":28,"n_rows":28,"n_cols":8,"rows_kept":28,"cut":false,"hidden":false,"merged":[[2,2,2,3],[2,5,2,7]]}
[null,"CREDIT RISK PORTFOLIO (continued)"]
[]
[null,"Commercial Banking forbearance"]
[null,null,null,"Direct Real Estate",null,"Other industry sector",null,"Total"]
[null,"At 31 Dec 2014",null,"£m",null,"£m",null,"£m"]
[]
[null,"Type of unimpaired forbearance"]
[null,"UK1 exposures > £5 million"]
[null,"Covenants",null,153,null,865,null,1018]
[null,"Extensions",null,0,null,426,null,426]
[null,"Multiple",null,0,null,6,null,6]
[null,null,null,153,null,1297,null,1450]
[null,"Exposures <£5 million and other non-UK1",null,null,null,null,null,446]
[null,"Total",null,null,null,null,null,1896]
[]
[]
[null,"At 31 December 2013"]
[]
[null,"Type of unimpaired forbearance:"]
[null,"UK1 exposures > £5 million"]
[null,"Covenants",null,527,null,488,null,1015]
[null,"Extensions",null,69,null,254,null,323]
[null,"Multiple",null,0,null,316,null,316]
[null,null,null,596,null,1058,null,1654]
[null,"Exposures <£5 million and other non-UK1",null,null,null,null,null,778]
[null,"Total",null,null,null,null,null,2432]
[]
[1,"Based on location of the office recording the transaction."]

{"sheet":"50 (1)","index":29,"n_rows":15,"n_cols":10,"rows_kept":15,"cut":false,"hidden":false,"merged":[[4,2,4,3],[4,5,4,6],[4,8,4,9],[13,1,13,9],[14,1,14,9]]}
[null,"CREDIT RISK PORTFOLIO (continued)"]
[null,"Consumer Finance forbearance"]
[]
[null,"Analysis of the forborne loan balances"]
[null,null,"Total loans and advances which are forborne",null,null,"Total forborne loans and advances which are impaired1",null,null,"Impairment provisions as % of loans and advances which are forborne"]
[]
[null,"At 31 December",2014,2013,null,2014,2013,null,2014,2013]
[null,null,"£m","£m",null,"£m","£m",null,"%","%"]
[]
[null,"Consumer Credit Cards",234,326,null,140,188,null,29.1,21.9]
[null,"Asset Finance2",109,149,null,53,75,null,20.5,24]
[]
[]
[1,"£150 million of forborne loans and advances (Consumer Credit Cards: £94 million, Asset Finance: £56 million) were not impaired at 31 December 2014 (31 December 2013: Consumer Credit Cards: £138 million, Asset Finance: £74 million)."]
[2,"Asset Finance retail forborne loan values for 31 December 2013 have been restated to include temporary forbearance arrangements which ended within the last six months and permanent changes which commenced during the last 24 months."]

{"sheet":"51","index":30,"n_rows":16,"n_cols":13,"rows_kept":16,"cut":false,"hidden":false,"merged":[[17,1,17,12],[4,2,4,4],[4,6,4,8],[4,10,4,12],[15,1,15,12],[16,1,16,12]]}
[null,"CREDIT RISK PORTFOLIO (continued)"]
[null,"Run-off forbearance"]
[]
[null,"Secured retail lending - Ireland"]
[null,null,"Total loans and advances which are currently or recently forborne",null,null,null,"Total 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",2014,null,2013,null,2014,null,2013,null,2014,null,2013]
[null,null,"£m",null,"£m",null,"£m",null,"£m",null,"£m",null,"£m"]
[null,"Ireland Secured lending:"]
[null,"Temporary forbearance arrangements"]
[null,"Reduced payment arrangements2",41,null,254,null,28,null,227,null,34,null,49.8]
[null,"Permanent treatments"]
[null,"Repair and term extensions3",239,null,473,null,13,null,102,null,9.1,null,14.4]
[null,"Total",280,null,727,null,41,null,329,null,12.7,null,26.7]
[]
[1,"£239 million of current and recent forborne loans and advances were not impaired at 31 December 2014 (31 December 2013: £398 million)."]

{"sheet":"52","index":31,"n_rows":16,"n_cols":10,"rows_kept":16,"cut":false,"hidden":false,"merged":[]}
[null,"Run-off forbearance (continued)"]
[]
[null,"Corporate real estate, other corporate and Specialist Finance"]
[null,null,null,null,null,"Direct Real Estate",null,"Other industry sector",null,"Total"]
[null,"At 31 Dec 2014",null,null,null,"£m",null,"£m",null,"£m"]
[]
[null,"Type of unimpaired forbearance"]
[null,"UK1 exposures > £5 million"]
[null,"Covenants",null,null,null,0,null,0,null,0]
[null,"Extensions",null,null,null,0,null,47,null,47]
[null,"Multiple",null,null,null,24,null,0,null,24]
[null,null,null,null,null,24,null,47,null,71]
[null,"Exposures <£5 million and other non-UK1",null,null,null,null,null,null,null,15]
[null,"Total",null,null,null,null,null,null,null,86]
[]
[1,"Based on location of the office recording the transaction."]

{"sheet":"54","index":32,"n_rows":46,"n_cols":8,"rows_kept":46,"cut":false,"hidden":false,"merged":[[42,1,43,8],[45,1,46,8],[1,2,3,2],[1,4,3,4],[1,6,3,6],[1,7,3,7],[37,1,38,7]]}
[null,"FUNDING AND LIQUIDITY MANAGEMENT"]
[null,null,null,"At ",null,"At ",null,"Change "]
[null,"Group funding position",null,"31 Dec 2014",null,"31 Dec 20131"]
[]
[null,null,null,"£bn ",null,"£bn ",null,"% "]
[]
[null,"Funding requirement"]
[null,"Loans and advances to customers2",null,477.6,"",492.9,"",-3.1040779062690111]
[null,"Loans and advances to banks3",null,3,"",5.0999999999999996,"",-41.17647058823529]
[null,"Debt securities",null,1.2,"",1.4,"",-14.285714285714283]
[null,"Reverse repurchase agreements",null,0,"",0.2,""]
[null,"Available-for-sale financial assets – secondary4",null,8,"",4.4000000000000004,"",81.818181818181799]
[null,"Cash balances5",null,3.6,"",3.9,"",-7.692307692307689]
[null,"Funded assets",null,493.40000000000003,"",507.89999999999992,"",-2.8548926954124609]
[null,"Other assets6",null,265.2,"",246.3,"",7.6735688185139983]
[null,null,null,758.6,"",754.19999999999993,"",0.58339962874570284]
[null,"On balance sheet primary liquidity assets7",null,null,"",null,""]
[null,"Reverse repurchase agreements",null,7,"",0.1,""]
[null,"Balances at central banks – primary5",null,46.9,"",46,"",1.9565217391304319]
[null,"Available-for-sale financial assets – primary",null,48.5,"",39.6,"",22.47474747474747]
[null,"Trading and fair value through profit and loss",null,-6.1,"",3.1,""]
[null,"Repurchase agreements",null,0,"",-0.6,""]
[null,null,null,96.300000000000011,"",88.2,"",9.1836734693877631]
[null,"Total Group assets",null,854.90000000000009,"",842.4,"",1.4838556505223306]
[null,"Less: Other liabilities6",null,-240.3,"",-224.7,"",6.9425901201602249]
[null,"Funding requirement",null,614.60000000000014,"",617.70000000000005,"",-0.50186174518373139]
[null,"Funded by",null,null,"",null,""]
[null,"Customer deposits8",null,447.1,"",436.5,"",2.4284077892325366]
[null,"Wholesale funding9",null,116.5,"",137.6,"",-15.334302325581392]
[null,null,null,563.6,"",574.1,"",-1.8289496603379203]
[null,"Repurchase agreements",null,1.1000000000000001,"",4.3,"",-74.418604651162795]
[null,"Total equity",null,49.9,"",39.299999999999997,"",26.972010178117056]
[null,"Total funding",null,614.6,"",617.69999999999993,"",-0.5018617451837315]
[]
[]
[1,"Loans and advances to customers and customer deposits restated."]
[2,"Excludes £5.1 billion (31 December 2013: £0.1 billion) of reverse repurchase agreements."]
[3,"Excludes £21.3 billion (31 December 2013: £20.1 billion) of loans and advances to banks within the Insurance business and £1.9 billion (31 December 2013: £0.2 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, designated multilateral development bank debt and unencumbered cash balances held at central banks."]
[]
[8,"Excluding repurchase agreements of £nil (31 December 2013: £3.0 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":"55","index":33,"n_rows":47,"n_cols":22,"rows_kept":47,"cut":false,"hidden":false,"merged":[[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 2014"]
[null,null,null,"Included in funding analysis ",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,9.8000000000000007,null,1.1000000000000001,null,0,null,10.9]
[null,"Debt securities in issue",null,80.599999999999994,null,0,null,-4.4000000000000004,null,76.2]
[null,"Subordinated liabilities",null,26.1,null,0,null,-0.1,null,26]
[null,"Total wholesale funding",null,116.5,null,1.1000000000000001]
[null,"Customer deposits",null,447.1,null,0,null,0,null,447.1]
[null,"Total",null,563.6,null,1.1000000000000001]
[]
[null,"At 31 December 2013"]
[null,null,null,"Included in funding analysis",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,"",1.9,"",0,"",14]
[null,"Debt securities in issue",null,91.6,"",0,"",-4.5,"",87.1]
[null,"Subordinated liabilities",null,33.9,"",0,"",-1.6,"",32.299999999999997]
[null,"Total wholesale funding",null,137.6,null,1.9,"",null,""]
[null,"Customer deposits",null,436.5,"",3,"",0,"",439.5]
[null,"Total",null,574.1,null,4.9000000000000004,"",null,""]
[]
[]
[]
[]
[null,"Analysis of 2014 total wholesale funding by residual maturity"]
[]
[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 2014",null,"Total at 31 Dec 2013"]
[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,7,null,1.2,null,0.5,null,0.3,null,0.1,null,0.1,null,0.1,null,0.5,null,9.7999999999999989,"",12.1]
[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,2.7,null,1.2,null,0.6,null,1.3,null,0,null,0,null,0,null,6.8,"",9]
[null,"Commercial paper",null,4.7,null,1.4,null,0.3,null,0.8,null,0.1,null,0,null,0,null,0,null,7.2999999999999989,"",4.8]
[null,"Medium-term notes1",null,1,null,0.7,null,1.1000000000000001,null,1.4,null,1.3,null,4.5,null,8.5,null,10.7,null,29.2,"",29.1]
[null,"Covered bonds",null,0.3,null,0.7,null,0,null,1.3,null,0,null,3,null,8,null,11.9,null,25.200000000000003,"",29.4]
[null,"Securitisation",null,0.1,null,0.9,null,2,null,1.9,null,2,null,2.2000000000000002,null,2.4,null,0.6,null,12.100000000000001,"",19.3]
[null,null,null,7.1,null,6.4,null,4.5999999999999996,null,6,null,4.7,null,9.6999999999999993,null,18.899999999999999,null,23.200000000000003,null,80.599999999999994,"",91.600000000000009]
[null,"Subordinated liabilities",null,0,null,1.1000000000000001,null,1.3,null,0.7,null,0.1,null,3.3,null,4.5999999999999996,null,15,null,26.1,"",33.9]
[null,"Total wholesale funding2",null,14.1,null,8.7000000000000011,null,6.3999999999999995,null,7,null,4.8999999999999995,null,13.099999999999998,null,23.6,null,38.700000000000003,null,116.5,"",137.6]
[]
[1,"Medium-term notes include funding from the National Loan Guarantee Scheme (31 December 2014: £1.4 billion; 31 December 2013: £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":"56","index":34,"n_rows":14,"n_cols":12,"rows_kept":14,"cut":false,"hidden":false,"merged":[]}
[null,"FUNDING AND LIQUIDITY MANAGEMENT (continued)"]
[]
[null,"Analysis of 2014 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,1.2,null,0,null,0,null,0,null,1.2]
[null,"Medium-term notes",null,0.3,null,0.6,null,2,null,0.3,null,3.1999999999999997]
[null,"Covered bonds",null,1.5,null,0,null,0.8,null,0,null,2.2999999999999998]
[null,"Private placements1",null,0.3,null,1.5,null,1.1000000000000001,null,0.4,null,3.3000000000000003]
[null,"Subordinated liabilities",null,0,null,0.6,null,0,null,0,null,0.6]
[null,"Total issuance",null,3.3,null,2.7,null,3.9,null,0.7,null,10.6]
[]
[1,"Private placements include structured bonds and term repurchase agreements (repos)."]

{"sheet":"56 (1)","index":35,"n_rows":30,"n_cols":10,"rows_kept":30,"cut":false,"hidden":false,"merged":[[2,1,4,1],[2,2,4,2],[28,1,28,3],[11,1,13,1],[11,2,13,2]]}
[null,"FUNDING AND LIQUIDITY MANAGEMENT (continued)"]
[]
[null,"Primary liquidity"]
[null,null,null,"At",null,"At",null,"Average",null,"Average"]
[null,null,null,"31 Dec 2014",null,"31 Dec 2013",null,2014,null,2013]
[null,null,null,"£bn ",null,"£bn ",null,"£bn ",null,"£bn "]
[]
[null,"Central bank cash deposits",null,46.9,"",46,"",62.3,"",69.400000000000006]
[null,"Government bonds/MDB bonds1",null,62.4,"",43.3,"",47.9,"",28.2]
[null,"Total",null,109.3,"",89.3,"",110.19999999999999,"",97.600000000000009]
[]
[null,"Secondary liquidity"]
[null,null,null,"At",null,"At",null,"Average",null,"Average"]
[null,null,null,"31 Dec 2014",null,"31 Dec 2013",null,2014,null,2013]
[null,null,null,"£bn ",null,"£bn ",null,"£bn ",null,"£bn "]
[]
[null,"High-quality ABS/covered bonds2",null,3.9,"",1.4,"",3.6,"",2]
[null,"Credit institution bonds2",null,0.9,"",0.4,"",1.4,"",1.2]
[null,"Corporate bonds2",null,0.6,"",0.1,"",0.3,"",0.1]
[null,"Own securities (retained issuance)",null,20.6,"",22.1,"",22.2,"",33.299999999999997]
[null,"Other securities",null,5.7,"",4.3,"",5.5,"",4.8]
[null,"Other3",null,67.5,"",77.099999999999994,"",74.099999999999994,"",75.2]
[null,"Total",null,99.2,"",105.39999999999999,"",107.1,"",116.6]
[null,null,null,null,"","","","","",""]
[null,"Total liquidity",null,208.5,"",194.7,"","","",""]
[]
[]
[1,"Designated multilateral development bank (MDB)."]
[2,"Assets rated A- or above."]
[3,"Includes other central bank eligible assets."]

{"sheet":"59","index":36,"n_rows":50,"n_cols":12,"rows_kept":50,"cut":false,"hidden":false,"merged":[[3,5,4,5],[2,8,2,10],[2,4,2,6],[48,1,48,9],[49,1,49,9]]}
[null,"CAPITAL MANAGEMENT (continued)"]
[]
[null,"Capital resources",null,null,"Transitional",null,null,null,"Fully loaded"]
[]
[null,"At 31 December",null,null,2014,null,"20132",null,2014,null,"20132"]
[null,null,null,null,"£m ",null,"£m ",null,"£m ",null,"£m "]
[]
[null,"Common equity tier 1"]
[null,"Shareholders’ equity",null,null,43335,"",39191,null,43335,null,39191,""]
[null,null,"Adjustment to retained earnings for foreseeable dividends",null,-535,null,0,null,-535,null,0]
[null,null,"Deconsolidation of insurance entities1",null,-824,"",-1367,null,-824,null,-1367]
[null,null,"Adjustment for own credit ",null,158,"",185,null,158,null,185]
[null,"Regulatory adjustments to non-controlling interests ","Cash flow hedging reserve",null,-1139,"",1055,null,-1139,null,1055]
[null,"Defined benefit pension adjustment ","Other adjustments",null,333,"",133,null,333,null,133]
[null,null,null,null,41328,"",39197,null,41328,null,39197]
[null,null,null,null,null,""]
[]
[null,"less: deductions from common equity tier 1 ",null,null,null,"","",null,null,"",""]
[null,"Goodwill and other intangible assets",null,null,-1875,"",-1979,null,-1875,"",-1979]
[null,"Excess of expected losses over impairment provisions and value adjustments",null,null,-565,"",-866,null,-565,"",-866]
[null,"Removal of defined benefit pension surplus ",null,null,-909,"",-78,null,-909,"",-78]
[null,"Securitisation deductions",null,null,-211,"",-141,null,-211,"",-141]
[null,"Significant investments1",null,null,-2546,"",-2890,null,-2546,"",-3090]
[null,"Deferred tax assets",null,null,-4533,null,-5025,null,-4533,null,-5118]
[null,"Common equity tier 1 capital",null,null,30689,null,28218,null,30689,null,27925]
[]
[null,"Additional tier 1"]
[null,"Additional tier 1 instruments",null,null,9728,null,4486,null,5355,null,0]
[null,"less: deductions from tier 1"]
[null,"Significant investments",null,null,-859,null,-677,null,0,null,0]
[null,"Total tier 1 capital",null,null,39558,null,32027,null,36044,null,27925]
[]
[null,"Tier 2 "]
[null,"Tier 2 instruments",null,null,14197,"",19870,null,10836,"",15636]
[null,"Eligible provisions",null,null,333,"",349,null,333,"",349]
[null,"Less: deductions from tier 2",null,null,null,"","",null,null,"",""]
[null,"Significant investments",null,null,-1288,"",-1015,null,-2146,"",-1692]
[null,"Total capital resources",null,null,52800,"",51231,null,45067,"",42218]
[null,null,null,null,null,"","",null,null,"",""]
[]
[null,"Risk weighted assets",null,null,239734,"",272641,null,239734,"",271908]
[]
[null,"Common equity tier 1 capital ratio ",null,null,0.128,null,0.10299999999999999,null,0.128,null,0.10299999999999999]
[null,"Tier 1 capital ratio ",null,null,0.16500000000000001,null,0.11700000000000001,null,0.15,null,0.10299999999999999]
[null,"Total capital ratio ",null,null,0.22,null,0.188,null,0.188,null,0.155]
[]
[]
[]
[1,"The amount of post-acquisition reserves for the Group's Insurance business are excluded from shareholders' equity.  The remaining cost of the Group's investment in the equity of the Insurance business is risk-weighted as part of threshold risk-weighted assets up to a limit based on the size of the Group's common equity tier 1 capital position, with the residual amount deducted from common equity tier 1 capital."]
[2,"31 December 2013 comparatives have been restated to include the pro forma benefit of the sales of Heidelberger Leben, Scottish Widows Investment Partnership and the Group’s 50 per cent stake in Sainsbury’s Bank. 31 December 2013 common equity tier 1 ratios excluding the benefit of these sales were 10.0 per cent fully loaded and 10.1 per cent on transitional rules, while risk-weighted assets under fully loaded rules were £271.1 billion and under transitional rules were £272.1 billion."]

{"sheet":"60","index":37,"n_rows":29,"n_cols":10,"rows_kept":29,"cut":false,"hidden":false,"merged":[[3,11,3,14],[27,1,27,9],[28,1,28,9]]}
[null,"CAPITAL MANAGEMENT (continued)"]
[]
[]
[null,null,null,"Common Equity Tier 1",null,"Additional Tier 1",null,"Tier 2",null,"Total"]
[null,null,null,"£m",null,"£m",null,"£m",null,"£m"]
[]
[null,"At 31 December 20131",null,28218,null,3809,null,19204,null,51231]
[null,"Profit attributable to ordinary shareholders2",null,1235,null,0,null,0,null,1235]
[null,"Adjustment to above re December 13 pro forma",null,-202,null,0,null,0,null,-202]
[null,"Adjustment to retained earnings for foreseeable dividends",null,-535,null,0,null,0,null,-535]
[null,"Pension movements:"]
[null,"Deduction of pension asset",null,-831,null,0,null,0,null,-831]
[null,"Movement through other comprehensive income",null,739,null,0,null,0,null,739]
[null,"Available-for-sale reserve",null,548,null,0,null,0,null,548]
[null,"Deferred tax asset",null,492,null,0,null,0,null,492]
[null,"Goodwill and intangible assets deductions",null,104,null,0,null,0,null,104]
[null,"Excess of expected losses over impairment provisions and value adjustments",null,301,null,0,null,0,null,301]
[null,"Significant investment deduction",null,344,null,-182,null,-273,null,-111]
[null,"Eligible provisions",null,0,null,0,null,-16,null,-16]
[null,"Subordinated debt movements:"]
[null,"Restucturing to ensure CRD IV compliance",null,0,null,5355,null,-4006,null,1349]
[null,"Subordinated debt issuance",null,0,null,0,null,645,null,645]
[null,"Repurchases, redemptions and other ",null,0,null,-113,null,-2312,null,-2425]
[null,"Other movements",null,276,null,0,null,0,null,276]
[null,"At 31 December 2014",null,30689,null,8869,null,13242,null,52800]
[]
[]
[1,"31 December 2013 comparatives have been restated in line with CRD IV rules as at 1 January 2014 and are pro forma including the benefit of the sales of Heidelberger Leben, Scottish Widows Investment Partnership and the Group’s 50 per cent stake in Sainsbury’s Bank."]
[2,"As the Insurance business is excluded from the scope of the Group's regulatory capital consolidation, profits made by Insurance are removed from CET1 capital.  Dividends paid to the Group by Insurance, however, are recognised through CET1 capital and for the period include £400 million paid in March 2014 and £300 million paid in December 2014.  In addition, the sale of Heidelberger Leben resulted in the payment of an additional dividend from Insurance to the Group of £295 million."]

{"sheet":"62","index":38,"n_rows":63,"n_cols":6,"rows_kept":63,"cut":false,"hidden":false,"merged":[[4,3,4,5]]}
[null,"CAPITAL MANAGEMENT (continued)"]
[]
[null,"Risk-weighted assets"]
[]
[null,null,null,"Transitional1"]
[null,"At 31 December ",null,2014,null,2013]
[null,null,null,"£m ",null,"£m "]
[null,"Divisional analysis of risk-weighted assets:"]
[null,"Retail",null,67666,null,72948]
[null,"Consumer Finance",null,20882,null,20136]
[null,"Commercial Banking",null,106185,null,123951]
[null,"Central items",null,12193,null,7743]
[null,"TSB2",null,5170,null,5591]
[null,"Run-off",null,16814,null,30569]
[null,"Underlying risk-weighted assets ",null,228910,null,260938]
[null,"Threshold risk-weighted assets",null,10824,null,11154]
[null,"Total risk-weighted assets",null,239734,null,272092]
[null,"Movement to fully loaded risk-weighted assets",null,0,null,-1014]
[null,"Fully loaded risk-weighted assets",null,239734,null,271078]
[]
[]
[null,"Risk type analysis of risk-weighted assets:",null,"","",""]
[null,"Foundation Internal Ratings Based (IRB) Approach",null,72393,"",84882]
[null,"Retail IRB Approach",null,72886,"",83815]
[null,"Other IRB Approach",null,15324,"",9526]
[null,"IRB approach",null,160603,"",178223]
[null,"Standardised approach",null,25444,"",33819]
[null,"Contributions to the default fund of a central counterparty",null,515,null,484]
[null,"Credit risk",null,186562,"",212526]
[null,"Counterparty credit risk",null,9108,"",7546]
[null,"Credit valuation adjustment",null,2215,null,3190]
[null,"Operational risk",null,26279,null,26594]
[null,"Market risk",null,4746,"",11082]
[null,"Underlying risk-weighted assets",null,228910,"",260938]
[null,"Threshold risk-weighted assets3",null,10824,"",11154]
[null,"Total risk-weighted assets",null,239734,"",272092]
[null,"Movement to fully loaded risk-weighted assets4",null,0,"",-1014]
[null,"Fully loaded risk-weighted assets",null,239734,"",271078]
[]
[null,"Pro forma PRA transitional rules risk-weighted assets ",null,null,null,272641]
[null,"Pro forma fully loaded risk-weighted assets",null,null,null,271908]
[]
[1,"CRD IV rules as implemented by the PRA at 1 January 2014."]
[2,"TSB risk-weighted assets are on a Lloyds Banking Group reporting basis and differ to those reported by TSB as a standalone regulated entity."]
[3,"Threshold risk-weighted assets reflect the element of significant investments and deferred tax assets that are permitted to be risk-weighted instead of deducted from common equity tier 1 captial under threshold rules.  Significant investments primarily arise from investments in the Group's Insurance business"]
[4,"Differences may arise between transitional and fully loaded threshold risk-weighted assets where deferred taxc assets reliant on future profitability and arising from temporary timing differences and significant investments exceed the fully loaded threshold limit, resulting in an increase in amounts deducted from CET1 rather than being risk-weighted.  At 31 December 2014 the fully loaded threshold was not exceeded and therefore no further adjustment was applied to the transitional threshold risk-weighted assets."]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[1]

{"sheet":"63","index":39,"n_rows":17,"n_cols":12,"rows_kept":17,"cut":false,"hidden":false,"merged":[]}
[null,"CAPITAL MANAGEMENT (continued)"]
[]
[null,"Risk weighted asset movement by key driver",null,"Credit risk1",null,"Counter party credit risk1",null,"Market risk",null,"Operational risk",null,"Total"]
[null,null,null,"£m","","£m",null,"£m",null,"£m",null,"£m"]
[]
[null,"Risk-weighted assets at 31 December 2013 ",null,212526,null,10736,null,11082,null,26594,null,260938]
[null,"Management of balance sheet",null,-4694,null,-366,null,-1850,null,0,null,-6910]
[null,"Disposals",null,-9781,null,-170,null,0,null,0,null,-9951]
[null,"External economic factors",null,-10459,null,1187,null,26,null,0,null,-9246]
[null,"Model and methodology changes",null,-995,null,-64,null,-4512,null,0,null,-5571]
[null,"Other",null,-35,null,0,null,0,null,-315,null,-350]
[null,"Risk-weighted assets",null,186562,null,11323,null,4746,null,26279,null,228910]
[null,"Threshold risk-weighted assets",null,null,null,null,null,null,null,null,null,10824]
[null,"Total risk-weighted assets",null,null,null,null,null,null,null,null,null,239734]
[]
[]
[1,"Credit risk includes movments in contributions to the default fund of central counterparties and counterparty credit risk includes the movements in credit valuation adjustments."]

{"sheet":"65","index":40,"n_rows":50,"n_cols":15,"rows_kept":50,"cut":false,"hidden":false,"merged":[[48,1,48,7],[49,1,49,7]]}
[null,"CAPITAL MANAGEMENT (continued)"]
[null,null,null,null,null,null,"Fully Loaded"]
[null,"At 31 December 2014",null,null,null,"2014",null,"20131"]
[null,null,null,null,null,"£m ",null,"£m "]
[]
[null,"Total tier 1 capital for leverage ratio2",null,null,null,null,null,null,null,null,null,null,null,null,""]
[null,"Common equity tier 1 capital",null,null,null,30689,null,27041,null,null,null,null,null,null,""]
[null,"Additional tier 1 capital",null,null,null,5355,null,0]
[null,"Total tier 1 capital",null,null,null,36044,null,27041]
[]
[null,"Exposure measure3"]
[]
[null,"Statutory balance sheet assets"]
[null,"Derivative financial instruments",null,null,null,36128,null,30804]
[null,"Securities financing transactions (SFTs)",null,null,null,43772,null,29592]
[null,"Loans and advances and other assets",null,null,null,774996,null,781984]
[null,"Total assets",null,null,null,854896,null,842380]
[]
[null,"Deconsolidation of insurance entities"]
[null,"Derivative financial instruments ",null,null,null,-1686,null,-1030]
[null,"Loans and advances and other assets ",null,null,null,-143459,null,-150174]
[null,"Total deconsolidation adjustments",null,null,null,-145145,null,-151204]
[]
[null,"Derivatives adjustments"]
[null,"Adjustment for regulatory netting",null,null,null,-24187,null,-20926]
[null,"Adjustment to cash collateral",null,null,null,-1024,null,-70]
[null,"Net written credit protection",null,null,null,425,null,280]
[null,"Regulatory potential future exposure ",null,null,null,12722,null,13368]
[null,"Total derivatives adjustments",null,null,null,-12064,null,-7348]
[]
[null,"Counterparty credit risk add-on for SFTs",null,null,null,1364,null,1921]
[]
[null,"Off-balance sheet items",null,null,null,50980,null,55987]
[]
[null,"Regulatory deductions and other adjustments",null,null,null,-10362,null,-9382]
[]
[null,"Total exposure",null,null,null,739669,null,732354]
[]
[]
[null,"Leverage ratio",null,null,null,4.9000000000000002E-2,null,3.6999999999999998E-2]
[null,"Pro forma leverage ratio at 31 December 20134",null,null,"",null,"",3.7999999999999999E-2]
[]
[]
[]
[]
[]
[1,"31 December 2013 comparatives are reportes on the same basis of calculation as the current year."]
[2,"Calculated in accordance with CRD IV rules."]
[3,"Calculated in accordance with the revised Basel III leverage ratio framework issued in January 2014, as interpreted through the July 2014 Basel III Quantitative Impact Study instructions and related guidance."]
[4,"Includes the pro forma benefit of the sales of Heidelberger Leben, Scottish Widows Investment Partnership and the Group's 50 per cent stake in Sainsbury's Bank."]