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{"sheet":"Cover","index":0,"n_rows":16,"n_cols":3,"rows_kept":16,"cut":false,"hidden":false,"merged":[]}
[]
[]
[]
[]
[]
[]
[null,null,"LLOYDS BANKING GROUP plc"]
[null,null,"2014 HALF YEAR RESULTS"]
[]
[]
[]
[null,null,"31 July 2014"]
[]
[]
[]
[null,null,"Excel Downloads of Relevant Tables"]

{"sheet":"Index","index":1,"n_rows":30,"n_cols":10,"rows_kept":30,"cut":false,"hidden":false,"merged":[[0,1,2,10],[25,1,25,2]]}
[null,"INDEX\nA FULL COPY OF THE 2014 HALF-YEAR 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,41]
[null,"Balance sheet and key ratios",null,2,null,null,"Group impaired loans and provisions - June 2014",null,null,42]
[null,"Summary consolidated balance sheet",null,3,null,null,"Group impaired loans and provisions - Dec 2013",null,null,43]
[null,"Total underlying income",null,10,null,null,"Retail - Credit Risk",null,null,45]
[null,"Total costs",null,11,null,null,"LTVs across Retail Mortgage portfolios",null,null,46]
[null,"Impairment",null,12,null,null,"Forbearance - UK retail lending",null,null,51]
[null,"Statutory profit",null,13,null,null,"Forbearance - Commercial Banking",null,null,52]
[null,"Capital ratios and risk-weighted assets",null,16,null,null,"Forbearance - Consumer Finance",null,null,53]
[null,"Funding and liquidity",null,17,null,null,"Forbearance - secured retail lending - Ireland",null,null,54]
[null,"Segmental analysis - H1 2014",null,19,null,null,"Forbearance - unimpaired",null,null,55]
[null,"Segmental analysis - H1 2013",null,20,null,null,"Group funding position",null,null,57]
[null,"Segmental analysis - H2 2013",null,21,null,null,"Reconciliation of Group funding figure to the balance sheet",null,null,58]
[null,"Quarterly underlying basis",null,22,null,null,"Analysis of 2014 total wholesale funding by residual maturity",null,null,58]
[null,"Retail",null,24,null,null,"Analysis of 2014 term issuance",null,null,59]
[null,"Commercial Banking",null,26,null,null,"Encumbered assets",null,null,59]
[null,"Consumer Finance",null,28,null,null,"Liquidity portfolio",null,null,60]
[null,"Insurance",null,"30-31",null,null,"Capital resources",null,null,62]
[null,"Insurance - comparative tables",null,"30-31",null,null,"Movements in capital",null,null,63]
[null,"Run-off and Central Items",null,32,null,null,"Risk-weighted assets",null,null,64]
[null,"Reconciliation between statutory and underlying basis",null,33,null,null,"Risk-weighted assets - movement by key driver",null,null,65]
[null,"Banking net interest margin",null,34,null,null,"Leverage ratio",null,null,67]
[null,"Volatility relating to the insurance business",null,"34-35"]
[null,"Number of employees",null,36]
[null,"TSB",null,36]

{"sheet":"2","index":2,"n_rows":58,"n_cols":8,"rows_kept":58,"cut":false,"hidden":false,"merged":[[57,1,57,5],[53,1,53,2],[54,1,54,2],[55,1,55,5],[56,1,56,7]]}
[null,"UNDERLYING BASIS CONSOLIDATED INCOME STATEMENT"]
[]
[]
[]
[null,null,null,"Half-year to 30 June 2014",null,"Half-year to 30 June 2013",null,"Half-year to 31 Dec 2013"]
[null,null,null,"£ million ",null,"£ million ",null,"£ million "]
[]
[null,"Net interest income",null,5804,null,5206,"",5679]
[null,"Other income",null,3448,null,4258,"",3662]
[null,"Total underlying income",null,9252,null,9464,null,9341]
[null,"Total costs",null,-4675,null,-4749,"",-4886]
[null,"Impairment ",null,-758,null,-1813,"",-1191]
[null,"Underlying profit",null,3819,null,2902,"",3264]
[]
[null,"Asset sales, liability management and volatile items",null,-1567,null,897,"",-1177]
[null,"Simplification and TSB costs",null,-828,null,-786,"",-731]
[null,"Legacy items",null,-1100,null,-575,"",-2880]
[null,"Other items",null,539,null,-304,"",-195]
[null,"Profit (loss) before tax – statutory",null,863,null,2134,"",-1719]
[null,"Taxation",null,-164,null,-556,"",-661]
[null,"Profit (loss) for the period",null,699,null,1578,"",-2380]
[]
[null,"Earnings (loss) per share1",null,"0.8p",null,"2.2p",null,"(3.4)p"]
[]
[null,"Banking net interest margin",null,2.4E-2,null,2.01E-2,null,2.23E-2]
[null,"Average interest-earning assets",null,488.7,null,517,null,504.9]
[null,"Cost:income ratio (excluding St. James's Place)",null,0.505,null,0.52700000000000002,null,0.53100000000000003]
[null,"Asset quality ratio",null,3.0000000000000001E-3,null,6.8999999999999999E-3,null,4.4999999999999997E-3]
[null,"Return on risk-weighted assets",null,2.9000000000000001E-2,null,1.95E-2,null,2.3400000000000001E-2]
[]
[null,"BALANCE SHEET AND KEY RATIOS"]
[]
[null,null,null,"At  ",null,"At  "]
[null,null,null,"30 June ",null,"31 Dec",null,"Change "]
[null,null,null,2014,null,2013,null,"% "]
[]
[null,"Loans and advances to customers2",null,487.1,null,495.2,null,-1.6357027463650982]
[null,"Customer deposits3",null,445.1,null,438.3,null,1.5514487793748599]
[null,"Loan to deposit ratio",null,1.0900000000000001,null,1.1299999999999999,null,"(4)pp"]
[null,"Total assets",null,843.9,null,847,null,-0.36599763872491414]
[null,"Run-off assets",null,25.2,null,33.299999999999997,null,-24.324324324324319]
[null,"Wholesale funding",null,119.5,null,137.6,null,-13.154069767441856]
[null,"Wholesale funding <1 year maturity",null,41.5,null,44.2,null,-6.1085972850678791]
[null,"PRA transitional common equity tier 1 ratio4,5",null,0.111,null,0.10299999999999999,null,"0.8pp"]
[null,"PRA transitional total capital ratio4,5",null,0.19700000000000001,null,0.188,null,"0.9pp"]
[null,"Fully loaded risk-weighted assets5",null,256.8,null,271.89999999999998,null,-5.6229327453142259]
[null,"Fully loaded common equity tier 1 ratio5",null,0.111,null,0.10299999999999999,null,"0.8pp"]
[null,"Fully loaded Basel III leverage ratio5,6",null,4.4999999999999998E-2,null,3.7999999999999999E-2,null,"0.7pp"]
[]
[null,"Net tangible assets per share",null,49.4,null,48.5,null,"0.9p"]
[]
[]
[1,"Earnings per share has been calculated after recognising the coupon on the Additional Tier 1 securities."]
[2,"Excludes reverse repos of £4.2 billion (31 December 2013: £0.1 billion)."]
[3,"Excludes repos of £nil (31 December 2013: £3.0 billion)."]
[4,"31 December 2013 comparatives reflect PRA transitional rules as at 1 January 2014."]
[5,"31 December 2013 ratios and risk-weighted assets were reported on a pro forma basis and included the benefit of the sales of Heidelberger Leben, Scottish Widows Investment Partnership and the Group’s 50 per cent stake in Sainsbury’s Bank."]
[6,"Estimated in accordance with 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 (UNAUDITED)"]
[]
[null,null,null,"At 30 June",null,"At 31 Dec"]
[null,null,null,2014,null,2013]
[null,"Assets",null,"£ million ",null,"£ million "]
[]
[null,"Cash and balances at central banks",null,50845,null,49915]
[null,"Trading and other financial assets at fair value through profit or loss",null,147187,null,142683]
[null,"Derivative financial instruments",null,27241,null,33125]
[null,"Loans and receivables:"]
[null,"Loans and advances to customers",null,491345,null,495281]
[null,"Loans and advances to banks",null,21589,null,25365]
[null,"Debt securities",null,1266,null,1355]
[null,null,null,514200,null,522001]
[null,"Available-for-sale financial assets",null,50348,null,43976]
[null,"Other assets",null,54119,null,55330]
[null,"Total assets",null,843940,null,847030]
[]
[null,"Liabilities"]
[null,"Deposits from banks",null,11851,null,13982]
[null,"Customer deposits",null,445091,null,441311]
[null,"Trading and other financial liabilities at fair value through profit or loss",null,63046,null,43625]
[null,"Derivative financial instruments",null,25285,null,30464]
[null,"Debt securities in issue",null,77729,null,87102]
[null,"Liabilities arising from insurance and investment contracts",null,111958,null,110758]
[null,"Subordinated liabilities",null,25675,null,32312]
[null,"Other liabilities",null,37427,null,48140]
[null,"Total liabilities",null,789062,null,807694]
[]
[null,"Shareholders' equity",null,39601,null,38989]
[null,"Other equity instruments",null,5329,null,0]
[null,"Non-controlling interests",null,948,null,347]
[null,"Total equity",null,45878,null,39336]
[null,"Total liabilities and equity",null,843940,null,847030]
[]
[1,"Restated to reflect the implementation of IAS 19R and IFRS 10.  See page ●."]

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[null,"GROUP FINANCE DIRECTOR’S REVIEW OF FINANCIAL PERFORMANCE (continued)"]
[]
[null,"Total underlying income"]
[]
[null,null,null,"Half-year to 30 June",null,"Half-year to 30 June",null,null,null,"Half-year to 31 Dec"]
[null,null,null,2014,null,2013,null,"Change ","2013 ",null,null,"Change "]
[null,null,null,"£ million ",null,"£ million ",null,"% ",null,"£ million ",null,"% "]
[null,"Net interest income ",null,5804,null,5205,null,11.508165225744477,null,5679,null,2.2010917415037858]
[null,"Other income",null,3448,null,3729,null,-7.5355323142933761,null,3530,null,-2.3229461756373939]
[null,"Total underlying income excluding St. Jame's Place",null,9252,null,8934,null,3.5594358629952985,null,9209,null,0.46693452057769574]
[null,"St. James’s Place",null,0,null,530,null,null,null,132]
[null,"Total underlying income",null,9252,null,9464,null,-2.2400676246830091,null,9341,null,-0.9527887806444707]
[]
[null,"Banking net interest margin",null,2.4E-2,null,2.01E-2,null,"39bp",null,2.23E-2,null,"17bp"]
[null,"Average interest-earning banking assets",null,488.7,null,517,null,-5.4738878143133478,null,504.9,null,-3.208556149732618]
[null,"Loan to deposit ratio",null,1.0900000000000001,null,1.17,null,"(8)pp",null,1.1299999999999999,null,"(4)pp"]

{"sheet":"11-12","index":5,"n_rows":22,"n_cols":12,"rows_kept":22,"cut":false,"hidden":false,"merged":[[12,9,13,9],[13,3,13,4],[37,2,37,3],[2,1,3,1]]}
[null,"GROUP FINANCE DIRECTOR’S REVIEW OF FINANCIAL PERFORMANCE (continued)"]
[]
[null,null,null,"Half-year to 30 June",null,"Half-year to 30 June",null,null,null,"Half-year to 31 Dec"]
[null,null,null,2014,null,2013,null,"Change ",null,2013,null,"Change "]
[null,"Total costs",null,"£ million ",null,"£ million ",null,"% ",null,"£ million ",null,"% "]
[]
[null,"Total costs",null,4675,null,4749,null,1.558222783743946,null,4886,null,4.3184609087187882]
[null,"Cost:income ratio (excluding St. James's Place)",null,0.505,null,0.52700000000000002,null,"(2.2)pp",null,0.53100000000000003,null,"(2.6)pp"]
[null,"Cost:income ratio",null,0.505,null,0.502,null,"0.3pp",null,0.52300000000000002,null,"(1.8)pp"]
[null,"Simplification savings annual run-rate",null,1764,null,1160,null,52.068965517241381,null,1457,null,21.070693205216198]
[]
[]
[]
[]
[null,null,null,"Half-year to 30 June",null,"Half-year to 30 June",null,null,null,"Half-year to 31 Dec"]
[null,null,null,2014,null,2013,null,"Change ",null,2013,null,"Change "]
[null,"Impairment",null,"£ million ",null,"£ million ",null,"% ",null,"£ million ",null,"% "]
[]
[null,"Total impairment charge",null,758,null,1813,null,58.190843905129618,null,1191,null,36.356003358522251]
[null,"Asset quality ratio",null,3.0000000000000001E-3,null,6.8999999999999999E-3,null,"(39)bp",null,4.4999999999999997E-3,null,"(15)bp"]
[null,"Group impaired loans as a % of closing advances",null,0.05,null,7.6999999999999999E-2,null,"(2.7)pp",null,6.3E-2,null,"(1.3)pp"]
[null,"Group provisions as a % of impaired loans",null,0.54,null,0.51100000000000001,null,"2.9pp",null,0.501,null,"3.9pp"]

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[null,"GROUP FINANCE DIRECTOR’S REVIEW OF FINANCIAL PERFORMANCE (continued)"]
[]
[null,"Statutory profit"]
[]
[null,null,null,null,"Half-year to 30 June",null,"Half-year to 30 June",null,null,null,"Half-year to 31 Dec"]
[null,null,null,null,2014,null,2013,null,"Change",null,2013,null,"Change"]
[null,null,null,null,"£ million ",null,"£ million ",null,"%",null,"£ million ",null,"%"]
[]
[null,"Underlying profit",null,null,3819,null,2902,null,31.598897312198481,null,3264,"",17.003676470588236]
[null,"Asset sales and volatile items:",null,null,"","","","","","","","","",null,null,null,null,null,""]
[null,"Asset sales",null,null,94,null,775,null,null,null,-675,"",null,null,null,null,null,null,""]
[null,"Liability management",null,null,-1376,null,-97,null,null,null,-45,"",null,null,null,null,null,null,""]
[null,"Own debt volatility",null,null,225,null,-166,null,null,null,-55,"",null,null,null,null,null,null,""]
[null,"Other volatile items",null,null,-73,null,-136,null,null,null,-321,"",null,null,null,null,null,null,""]
[null,"Volatility arising in insurance businesses",null,null,-122,null,485,null,null,null,183,"",null,null,null,null,null,null,""]
[null,"Fair value unwind",null,null,-315,null,36,null,null,null,-264,"",null,null,null,null,null,null,""]
[null,null,null,null,-1567,null,897,null,null,null,-1177,"",null,null,null,null,null,null,""]
[null,"Simplification and Verde costs"]
[null,null,"Simplification",null,-519,null,-409,null,null,null,-421]
[null,null,"TSB costs",null,-309,null,-377,null,null,null,-310]
[null,null,null,null,-828,null,-786,null,null,null,-731,"",null,null,null,null,null,null,""]
[null,"Legacy items:",null,null,null,null,null,null,null,null,null,"",null,null,null,null,null,null,""]
[null,"Payment protection insurance provision",null,null,-600,null,-500,null,null,null,-2550,"",null,null,null,null,null,null,""]
[null,"Other regulatory provisions",null,null,-500,null,-75,null,null,null,-330,"",null,null,null,null,null,null,""]
[null,null,null,null,-1100,null,-575,null,null,null,-2880,"",null,null,null,null,null,null,""]
[null,"Other items:",null,null,null,null,null,null,null,null,null,"",null,null,null,null,null,null,""]
[null,"Past service pensions credit",null,null,710,null,-104,null,null,null,0,"",null,null,null,null,null,null,""]
[null,"Amortisation of purchased intangibles",null,null,-171,null,-200,null,null,null,-195,"",null,null,null,null,null,null,""]
[null,null,null,null,539,null,-304,null,null,null,-195,"","",null,null,null,null,null,""]
[null,"Profit (loss) before tax – statutory",null,null,863,null,2134,null,-59.559512652296156,null,-1719,"","",null,null,null,null,null,""]
[null,"Taxation",null,null,-164,null,-556,null,null,null,-661,"","",null,null,null,null,null,""]
[null,"Profit (loss) for the period",null,null,699,null,1578,null,-55.703422053231947,null,-2380,"","",null,null,null,null,null,""]
[null,"Earnings (loss) per share",null,null,"0.8p",null,"2.2p",null,"(1.4)p",null,"(3.4)p",null,"4.2p",null,null,null,null,null,""]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,""]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,""]

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[null,"GROUP FINANCE DIRECTOR’S REVIEW OF FINANCIAL PERFORMANCE (continued)"]
[]
[null,"Risk-weighted assets and capital ratios"]
[null,null,null,"At 30 June",null,"At 31 Dec",null,"Change "]
[null,null,null,2014,null,"2013",null,"% "]
[]
[null,"Fully loaded1"]
[null,"Common equity tier 1 capital ratio",null,0.111,null,0.10299999999999999,null,"0.8pp"]
[null,"Total capital ratio",null,0.16800000000000001,null,0.155,null,"1.3pp"]
[null,"Basel III leverage ratio2",null,4.4999999999999998E-2,null,3.7999999999999999E-2,null,"0.7pp"]
[null,"Risk-weighted assets",null,256.8,null,271.89999999999998,null,-5.5535123207061297]
[]
[null,"Transitional1"]
[null,"Common equity tier 1 capital ratio3",null,0.111,null,0.10299999999999999,null,"0.8pp"]
[null,"Tier 1 capital ratio3",null,0.14599999999999999,null,0.11700000000000001,null,"2.9pp"]
[null,"Total capital ratio3",null,0.19700000000000001,null,0.188,null,"0.9pp"]
[null,"Risk-weighted assets3",null,257.39999999999998,null,272.60000000000002,null,-5.5759354365370672]
[]
[null,"Shareholders' equity",null,39.6,null,39,null,2]
[]
[1,"31 December 2013 ratios and risk-weighted assets were reported on a pro forma basis and included 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,"Estimated in accordance with January 2014 revised Basel III leverage ratio framework."]
[3,"31 December 2013 comparatives reflect PRA transitional rules as at 1 January 2014."]
[]
[]
[null,"Funding and liquidity"]
[null,null,null,"At 30 June",null,"At 31 Dec",null,"Change "]
[null,null,null,2014,null,"2013",null,"% "]
[]
[null,"Loans and advances to customers1",null,487.1,null,495.2,null,-1.6357027463650982]
[null,"Loans and advances to customers(excluding run-off)1",null,465.8,null,467.5,null,-0.3636363636363612]
[null,"Run-off assets",null,25.2,null,33.299999999999997,null,-24.324324324324319]
[null,"Non-retail run-off assets ",null,18,null,25,null,-28.000000000000004]
[null,"Funded assets2",null,505.6,null,510.2,null,-0.90160721285769618]
[null,"Customer deposits3",null,445.1,null,438.3,null,1.5514487793748599]
[null,"Wholesale funding",null,119.5,null,137.6,null,-13.154069767441856]
[null,"Wholesale funding <1 year maturity",null,41.5,null,44.2,null,-6.1085972850678791]
[null,"Of which money-market funding <1 year maturity4",null,18.600000000000001,null,21.3,null,-12.676056338028166]
[null,"Loan to deposit ratio",null,1.0943608177937543,null,1.1298197581565137,null,"(4)pp"]
[null,"Primary liquid assets5",null,92.3,null,89.3,null,3.3594624860022395]
[]
[1,"Excludes reverse repos of £4.2 billion (31 December 2013: £0.1 billion)."]
[2,"A breakdown of funded assets is shown on page 57."]
[3,"Excludes repos of £nil (31 December 2013: £3.0 billion)."]
[4,"Excludes balances relating to margins of £2.2 billion (31 December 2013: £2.3 billion) and settlement accounts of £1.5 billion (31 December 2013: £1.3 billion)."]
[5,"Including off-balance sheet liquid assets."]

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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,"TSB1",null,"Group "]
[]
[]
[null,"Half-year to 30 June 2014"]
[null,null,null,"£m ",null,"£m ",null,"£m ",null,"£m ",null,"£m ",null,"£m ",null,"£m "]
[]
[null,"Net interest income",null,3493,"",1234,"",645,"",-64,"",96,"",400,"",5804,null,null,""]
[null,"Other income",null,700,"",984,"",675,"",854,"",163,"",72,"",3448,null,null,""]
[null,"Total underlying income",null,4193,"",2218,"",1320,"",790,"",259,"",472,"",9252]
[null,"Total costs",null,-2207,"",-1033,"",-708,"",-329,"",-203,"",-195,"",-4675]
[null,"Impairment",null,-276,"",-29,"",-78,"",0,"",-324,"",-51,"",-758]
[null,"Underlying profit (loss)",null,1710,"",1156,"",534,"",461,"",-268,"",226,null,3819]
[null,null,null,null,null,null,"",null,"",null,""]
[null,"Banking net interest margin",null,2.2800000000000001E-2,null,2.63E-2,null,6.6900000000000001E-2,null,null,"",null,null,null,null,2.4E-2]
[null,"Asset quality ratio",null,1.8E-3,null,5.0000000000000001E-4,null,7.7999999999999996E-3,null,null,null,null,null,null,null,3.0000000000000001E-3]
[null,"Return on risk-weighted assets",null,4.82E-2,null,1.9599999999999999E-2,null,5.1999999999999998E-2,null,null,null,null,null,null,null,2.9000000000000001E-2]
[]
[null,"Key balance sheet items",null,"£bn ",null,"£bn ",null,"£bn ",null,"£bn ",null,"£bn ",null,"£bn ",null,"£bn "]
[null,"At 31 Dec 2013"]
[]
[null,"Loans and advances to customers¹",null,315.2,"",104.7,"",19.899999999999999,"","","",24.7,"",22.6,"",487.09999999999997]
[null,"Customer deposits²",null,284.3,"",117.2,"",17.399999999999999,"","","",2.5,"",23.7,"",445.09999999999997]
[null,"Total customer balances",null,599.5,"",221.9,"",37.299999999999997,"","","",27.2,"",46.3,"",932.19999999999993]
[null,null,null,"","","","","","","","","","","","",""]
[null,"Risk-weighted assets",null,70.8,"",114,"",21.5,"","","",46.3,"",4.8,"",257.40000000000003]
[]
[]
[]
[1,"See note 5, page 36."]
[2,"Risk-weighted assets under rules prevailing on 1 January 2014."]

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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,"TSB2",null,"Group "]
[]
[null,"Half-year to 30 June 20131"]
[]
[null,null,null,"£m ",null,"£m ",null,"£m ",null,"£m ",null,"£m ",null,"£m ",null,"£m "]
[]
[null,"Net interest income",null,3036,"",1009,"",670,"",-49,"",235,"",305,"",5206,null,null,""]
[null,"Other income",null,733,"",1154,"",681,"",945,"",657,"",88,"",4258,null,null,""]
[null,"Total underlying income",null,3769,"",2163,"",1351,"",896,"",892,"",393,"",9464]
[null,"Total costs",null,-2007,"",-1024,"",-665,"",-337,"",-442,"",-274,"",-4749]
[null,"Impairment",null,-462,"",-285,"",-177,"",0,"",-830,"",-59,"",-1813]
[null,"Underlying profit (loss)",null,1300,"",854,"",509,"",559,"",-380,"",60,null,2902]
[null,null,null,null,null,null,"",null,"",null,""]
[null,"Banking net interest margin",null,1.9699999999999999E-2,null,2.1600000000000001E-2,null,7.0400000000000004E-2,null,null,"",null,null,null,null,2.4E-2]
[null,"Asset quality ratio",null,2.8999999999999998E-3,null,5.4999999999999997E-3,null,1.84E-2,null,null,null,null,null,null,null,3.0000000000000001E-3]
[null,"Return on risk-weighted assets",null,3.2099999999999997E-2,null,1.38E-2,null,4.6699999999999998E-2,null,null,null,null,null,null,null,2.9000000000000001E-2]
[]
[null,"Key balance sheet items",null,"£bn ",null,"£bn ",null,"£bn ",null,"£bn ",null,"£bn ",null,"£bn ",null,"£bn "]
[null,"At 30 June 2013"]
[]
[null,"Loans and advances to customers¹",null,312.60000000000002,"",104.5,"",19,"","","",43.6,"",24.2,"",503.90000000000003]
[null,"Customer deposits²",null,278.8,"",105.9,"",20.100000000000001,"","","",2.8,"",23,"",430.60000000000008]
[null,"Total customer balances",null,591.40000000000009,"",210.4,"",39.1,"","","",46.4,"",47.2,"",934.50000000000011]
[null,null,null,"","","","","","","","","","","","",""]
[null,"Risk-weighted assets3",null,79.5,"",124.2,"",22,"","","",57.5,"",5.5,"",288.7]
[]
[]
[null,null,null,"Retail",null,"Commercial Banking",null,"Consumer Finance",null,"Insurance ",null,"Run-off and Central items",null,"TSB2",null,"Group "]
[]
[null,"Half-year to 31 December 20131"]
[]
[null,null,null,"£m ",null,"£m ",null,"£m ",null,"£m ",null,"£m ",null,"£m ",null,"£m "]
[]
[null,"Net interest income",null,3464,"",1104,"",663,"",-58,"",196,"",310,"",5679]
[null,"Other income",null,702,"",1105,"",678,"",919,"",183,"",75,"",3662]
[null,"Total underlying income",null,4166,"",2209,"",1341,"",861,"",379,"",385,"",9341]
[null,"Total costs",null,-2153,"",-1060,"",-719,"",-332,"",-333,"",-289,"",-4886]
[null,"Impairment",null,-298,"",-113,"",-166,"",0,"",-564,"",-50,"",-1191]
[null,"Underlying profit (loss)",null,1715,"",1036,"",456,"",529,"",-518,"",46,null,3264]
[null,null,null,null,null,null,"",null,"",null,""]
[null,"Banking net interest margin",null,2.2200000000000001E-2,null,2.2599999999999999E-2,null,6.8400000000000002E-2,null,null,"",null,null,null,null,2.23E-2]
[null,"Asset quality ratio",null,1.8E-3,null,2.0999999999999999E-3,null,1.6799999999999999E-2,null,null,null,null,null,null,null,4.4999999999999997E-3]
[null,"Return on risk-weighted assets",null,4.4299999999999999E-2,null,1.6899999999999998E-2,null,4.2999999999999997E-2,null,null,null,null,null,null,null,2.3400000000000001E-2]
[]
[null,"Key balance sheet items",null,"£bn ",null,"£bn ",null,"£bn ",null,"£bn ",null,"£bn ",null,"£bn ",null,"£bn "]
[null,"At 31 Dec 2013"]
[]
[null,"Loans and advances to customers",null,314.3,"",108,"",19.100000000000001,"","","",30.3,"",23.5,"",495.20000000000005]
[null,"Customer deposits",null,283.2,"",110.5,"",18.7,"","","",2.8,"",23.1,"",438.3]
[null,"Total customer balances",null,597.5,"",218.5,"",37.799999999999997,"","","",33.1,"",46.6,"",933.5]
[null,null,null,"","","","","","","","","","","","",""]
[null,"Risk-weighted assets3",null,73.099999999999994,"",120.8,"",20.100000000000001,"","","",44.1,"",5.8,"",263.89999999999998]
[]
[]
[1,"Segment information has been restated to reflect previously announced changes to the Group operating structure implemented from 1 January 2014."]
[2,"See note 5, page 36."]
[3,"Determined under rules prevailing on 31 December 2013"]

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[null,"UNDERLYING BASIS - QUARTERLY INFORMATION"]
[]
[null,null,null,null,null,null,null,"Quarter ended 30 June 2014",null,"Quarter ended 31 Mar 2014"]
[]
[null,null,null,null,null,null,null,"£m ",null,"£m "]
[]
[null,"Net interest income",null,null,null,null,"",2993,"",2811,"",null,null,""]
[null,"Other income",null,null,null,null,"",1730,"",1718,"",null,null,""]
[null,"Total underlying income",null,null,null,null,"",4723,"",4529,""]
[null,"Total underlying income excl. SJP",null,null,null,null,null,4723,null,4529]
[null,"Total costs",null,null,null,null,"",-2377,"",-2298,""]
[null,"Impairment",null,null,null,null,"",-327,"",-431,""]
[null,"Underlying profit",null,null,null,null,"",2019,"",1800,""]
[null,"Asset sales, liability management and volatile items",null,null,null,null,null,-1687,null,120]
[null,"Simplification and TSB costs",null,null,null,null,null,-362,null,-466]
[null,"Legacy provisions",null,null,null,null,null,-1100,null,0]
[null,"Other statutory items",null,null,null,null,null,624,null,-85]
[null,"Statutory (loss) profit",null,null,null,null,null,-506,null,1369]
[]
[null,"Banking net interest margin",null,null,null,null,null,2.4799999999999999E-2,null,2.3199999999999998E-2]
[null,"Asset quality ratio",null,null,null,null,null,2.5999999999999999E-3,null,3.5000000000000001E-3]
[null,"Return on risk-weighted assets",null,null,null,null,null,3.09E-2,null,2.7099999999999999E-2]
[null,"Cost:income ratio (excl. SJP)",null,null,null,null,null,0.50328181240736825,null,0.50739677633031577]
[null,"Cost:income ratio",null,null,null,null,null,0.50328181240736825,null,0.50739677633031577]
[]
[]
[]
[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,"",2553,""]
[null,"Other income",null,1868,null,1794,"",1922,"",2336,""]
[null,"Total underlying income",null,4786,null,4555,"",4575,"",4889,""]
[null,"Total underlying income excl. SJP",null,4672,null,4537,null,4525,null,4409]
[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, liability management and volatile items",null,-468,null,-709,null,-176,null,1073]
[null,"Simplification and TSB costs",null,-323,null,-408,null,-377,null,-409]
[null,"Legacy provisions",null,-2130,null,-750,null,-575,null,0]
[null,"Other statutory 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,"Return on risk-weighted assets",null,2.5499999999999998E-2,null,2.1399999999999999E-2,null,1.9300000000000001E-2,null,1.9599999999999999E-2]
[null,"Cost:income ratio (excl. SJP)",null,0.54045376712328763,null,0.52038792153405333,null,0.51734806629834251,null,0.53600000000000003]
[null,"Cost:income ratio",null,0.52758044295862938,null,0.51833150384193194,null,0.51169398907103825,null,0.49253426058498673]

{"sheet":"24","index":11,"n_rows":32,"n_cols":15,"rows_kept":32,"cut":false,"hidden":false,"merged":[[1,1,2,1],[16,1,16,2],[47,1,49,1],[47,2,49,2],[47,4,49,4],[18,1,20,1],[18,2,20,2],[31,1,31,11],[47,6,49,6],[47,7,49,7],[46,3,46,7],[1,4,2,4]]}
[null,"Retail"]
[]
[null,null,null,"Half-year to 30 June 2014",null,"Half-year to 30 June 20131",null,"Change ",null,"Half-year to 31 Dec 20131",null,"Change"]
[null,null,null,"£m ",null,"£m ",null,"% ",null,"£m ",null,"% "]
[]
[null,"Net interest income",null,3493,null,3036,null,15.052700922266141,null,3464,null,0.83718244803695152]
[null,"Other income",null,700,null,733,null,-4.5020463847203276,null,702,null,"-",null,null,""]
[null,"Total underlying income",null,4193,null,3769,null,11.249668347041656,null,4166,null,0.64810369659145461]
[null,"Total costs2",null,-2207,null,-2007,null,-9.9651220727453911,null,-2153,null,-2.5081281932187642,null,null,""]
[null,"Impairment",null,-276,null,-462,null,40.259740259740262,null,-298,null,7.3825503355704702,null,null,""]
[null,"Underlying profit",null,1710,null,1300,null,31.538461538461537,null,1715,null,"-",null,null,""]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,""]
[null,"Banking net interest margin",null,2.2800000000000001E-2,null,1.9699999999999999E-2,null,"31bp",null,2.2200000000000001E-2,null,"6bp",null,null,""]
[null,"Asset quality ratio",null,1.8E-3,null,2.8999999999999998E-3,null,"(11)bp",null,1.8E-3,null,"-",null,null,""]
[null,"Return on risk-weighted assets",null,4.82E-2,null,3.2099999999999997E-2,null,"161bp",null,4.4299999999999999E-2,null,"39bp",null,null,""]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,""]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,""]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,""]
[null,null,null,null,null,null,null,"At ",null,"At ",null,null,null,null,""]
[null,null,null,null,null,null,null,"30 June ",null,"31 Dec ",null,"Change ",null,null,""]
[null,null,null,null,null,null,null,2014,null,"20131",null,"% ",null,null,""]
[null,"Key balance sheet items",null,null,null,null,null,"£bn ",null,"£bn ",null,null,null,null,""]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,""]
[null,"Loans and advances to customers",null,null,null,null,null,315.2,null,314.3,null,"-",null,null,""]
[null,"Customer deposits",null,null,null,null,null,284.3,null,283.2,null,"-",null,null,""]
[null,"Total customer balances",null,null,null,null,null,599.5,null,597.5,null,"-",null,null,""]
[]
[null,"Risk-weighted assets under rules prevailing on 1 January 2014",null,null,null,null,null,70.8,null,72.900000000000006,null,-2.8806584362140031]
[null,"Risk-weighted assets under rules prevailing on 31 December 2013",null,null,null,null,null,null,null,73.099999999999994]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,""]
[1,"Restated to reflect previously announced changes to the Group operating structure implemented from 1 January 2014.",null,null,null,null,null,null,null,null,null,null,null,null,""]
[2,"Includes costs that in 2013 were allocated to TSB but following separation have been charged to Retail. In 2013, the costs allocated to TSB were £105 million in the first half and £112 million in the second half."]

{"sheet":"26","index":12,"n_rows":33,"n_cols":15,"rows_kept":33,"cut":false,"hidden":false,"merged":[[32,1,32,11],[1,1,2,1],[1,4,2,4],[16,1,16,2],[18,1,20,1],[18,2,20,2],[47,3,47,7],[48,1,50,1],[48,2,50,2],[48,4,50,4],[48,6,50,6],[48,7,50,7]]}
[null,"Commercial Banking"]
[]
[null,null,null,"Half-year to 30 June 2014",null,"Half-year to 30 June 20131",null,"Change ",null,"Half-year to 31 Dec 20131",null,"Change"]
[null,null,null,"£m ",null,"£m ",null,"% ",null,"£m ",null,"% "]
[]
[null,"Net interest income",null,1234,null,1009,null,22.299306243805749,null,1104,null,11.77536231884058]
[null,"Other income",null,984,null,1154,null,-14.731369150779896,null,1105,null,-10.950226244343892,null,null,""]
[null,"Total underlying income",null,2218,null,2163,null,2.5427646786870088,null,2209,null,"-"]
[null,"Total costs",null,-1033,null,-1024,null,-0.87890625,null,-1060,null,2.5471698113207548,null,null,""]
[null,"Impairment",null,-29,null,-285,null,89.824561403508767,null,-113,null,74.336283185840713,null,null,""]
[null,"Underlying profit",null,1156,null,854,null,35.362997658079628,null,1036,null,11.583011583011583,null,null,""]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,""]
[null,"Banking net interest margin",null,2.63E-2,null,2.1600000000000001E-2,null,"47bp",null,2.2599999999999999E-2,null,"37bp",null,null,""]
[null,"Asset quality ratio",null,5.0000000000000001E-4,null,5.4999999999999997E-3,null,"(50)bp",null,2.0999999999999999E-3,null,"(16)bp",null,null,""]
[null,"Return on risk-weighted assets",null,1.9599999999999999E-2,null,1.38E-2,null,"58bp",null,1.6899999999999998E-2,null,"27bp",null,null,""]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,""]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,""]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,""]
[null,null,null,null,null,null,null,"At ",null,"At ",null,null,null,null,""]
[null,null,null,null,null,null,null,"30 June",null,"31 Dec ",null,"Change ",null,null,""]
[null,null,null,null,null,null,null,2014,null,"20131",null,"% ",null,null,""]
[null,"Key balance sheet items",null,null,null,null,null,"£bn ",null,"£bn ",null,null,null,null,""]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,""]
[null,"Loans and advances to customers",null,null,null,null,null,104.7,null,108,null,-3.0555555555555531,null,null,""]
[null,"Debt securities and available-for-sale financial assets",null,null,null,null,null,1.7,null,1.7,null,"-",null,null,""]
[null,null,null,null,null,null,null,106.4,null,109.7,null,-3.0082041932543273,null,null,""]
[]
[null,"Customer deposits",null,null,null,null,null,117.2,null,110.5,null,6.0633484162895952]
[null,"Risk-weighted assets under rules prevailing on 1 January 2014",null,null,null,null,null,114,null,124,null,-8.064516129032258]
[null,"Risk-weighted assets under rules prevailing on 31 December 2013",null,null,null,null,null,null,null,120.8]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,""]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,""]
[1,"Restated to reflect previously announced changes to the Group operating structure implemented from 1 January 2014."]

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[null,"Consumer Finance"]
[]
[null,null,null,"Half-year to 30 June 2014",null,"Half-year to 30 June 20131",null,"Change ",null,"Half-year to 31 Dec 20131",null,"Change"]
[null,null,null,"£m ",null,"£m ",null,"% ",null,"£m ",null,"% "]
[]
[null,"Net interest income",null,645,null,670,null,-3.7313432835820892,null,663,null,-2.7149321266968327]
[null,"Other income",null,675,null,681,null,-0.88105726872246704,null,678,null,"-",null,null,""]
[null,"Total underlying income",null,1320,null,1351,null,-2.2945965951147298,null,1341,null,-1.5659955257270695]
[null,"Total costs",null,-708,null,-665,null,-6.4661654135338349,null,-719,null,1.52990264255911,null,null,""]
[null,"Impairment",null,-78,null,-177,null,55.932203389830505,null,-166,null,53.01204819277109,null,null,""]
[null,"Underlying profit",null,534,null,509,null,4.9115913555992137,null,456,null,17.105263157894736,null,null,""]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,""]
[null,"Banking net interest margin",null,6.6900000000000001E-2,null,7.0400000000000004E-2,null,"(35)bp",null,6.8400000000000002E-2,null,"(15)bp",null,null,""]
[null,"Asset quality ratio",null,7.7999999999999996E-3,null,1.84E-2,null,"(106)bp",null,1.6799999999999999E-2,null,"(90)bp",null,null,""]
[null,"Return on risk-weighted assets",null,5.1999999999999998E-2,null,4.6699999999999998E-2,null,"53bp",null,4.2999999999999997E-2,null,"90bp",null,null,""]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,""]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,""]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,""]
[null,null,null,null,null,null,null,"At ",null,"At ",null,null,null,null,""]
[null,null,null,null,null,null,null,"30 June ",null,"31 Dec ",null,"Change ",null,null,""]
[null,null,null,null,null,null,null,2014,null,"20131",null,"% ",null,null,""]
[null,"Key balance sheet items",null,null,null,null,null,"£bn ",null,"£bn ",null,null,null,null,""]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,""]
[null,"Loans and advances to customers",null,null,null,null,null,19.899999999999999,null,19.100000000000001,null,4.188481675392655,null,null,""]
[null,"Customer deposits",null,null,null,null,null,17.399999999999999,null,18.7,null,-6.9518716577540145,null,null,""]
[null,"Operating lease assets",null,null,null,null,null,2.9,null,2.8,null,3.5714285714285747]
[null,null,null,null,null,null,null,40.199999999999996,null,40.599999999999994,null,-0.98522167487684398,null,null,""]
[]
[null,"Risk-weighted assets under rules prevailing on 1 January 2014",null,null,null,null,null,21.5,null,20.100000000000001,null,6.9651741293532261]
[null,"Risk-weighted assets under rules prevailing on 31 December 2013",null,null,null,null,null,null,null,20.100000000000001]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,""]
[1,"Restated to reflect previously announced changes to the Group operating structure implemented from 1 January 2014.",null,null,null,null,null,null,null,null,null,null,null,null,""]

{"sheet":"30-31","index":14,"n_rows":89,"n_cols":21,"rows_kept":89,"cut":false,"hidden":false,"merged":[[64,3,64,11],[80,3,80,11],[24,3,24,11],[43,3,43,11],[1,1,2,1],[1,2,1,3],[2,2,2,3],[1,6,2,6],[18,1,18,11],[19,1,19,11],[38,1,38,11],[39,1,39,11],[40,1,40,11]]}
[null,"Insurance"]
[]
[null,null,null,null,null,"Half-year to 30 June 2014",null,"Half-year to 30 June 20131",null,"Change ",null,"Half-year to 31 Dec 20131",null,"Change"]
[null,null,null,null,null,"£m ",null,"£m ",null,"% ",null,"£m ",null,"% "]
[]
[null,"Net interest income",null,null,null,-64,null,-49,null,-30.612244897959183,null,-58,null,-10.344827586206897,null,""]
[null,"Other income",null,null,null,1029,null,1093,null,-5.8554437328453801,null,1127,null,-8.695652173913043]
[null,"Insurance claims",null,null,null,-175,null,-148,null,-18.243243243243242,null,-208,null,15.865384615384615]
[null,"Total underlying income",null,null,null,790,null,896,null,-11.830357142857142,null,861,null,-8.2462253193960517]
[null,"Total costs",null,null,null,-329,null,-337,null,2.3738872403560833,null,-332,null,0.90361445783132521]
[null,"Underlying profit",null,null,null,461,null,559,null,-17.531305903398927,null,529,null,-12.854442344045369]
[]
[null,"Operating cash generation",null,null,null,380,null,377,null,0.79575596816976124,null,305,null,24.590163934426229]
[null,"UK LP&I IFRS new business margin",null,null,null,1.4999999999999999E-2,null,0.03,null,"(1.5)pp",null,0.02,null,"(0.5)pp"]
[null,"UK LP&I sales (PVNBP)2",null,null,null,4680,null,5430,null,-13.812154696132598,null,4504,null,3.9076376554174073]
[null,"General insurance total GWP",null,null,null,604,null,665,null,-9.1729323308270683,null,642,null,-5.9190031152647977]
[null,"General insurance combined ratio",null,null,null,0.8,null,0.69,null,"11pp",null,0.77,null,"3pp"]
[]
[1,"Restated to reflect previously announced changes to the Group operating structure implemented from 1 January 2014.",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,""]
[2,"Present value of new business premiums."]
[]
[]
[]
[null,"Profit by product group"]
[null,null,null,"Half-year to 30 June 2014",null,null,null,null,null,null,null,null,null,"Half-year to 30 June 2013",null,"Half-year to 31 Dec 2013"]
[null,null,null,"Pensions & investments",null,"Protection & retirement1",null,"General Insurance",null,"Other2",null,"Total",null,"Total",null,"Total"]
[null,null,null,"£m",null,"£m",null,"£m",null,"£m",null,"£m",null,"£m",null,"£m"]
[null,"New business income",null,107,null,42,null,0,null,2,null,151,null,250,null,173]
[null,"Existing bussiness income",null,324,null,62,null,0,null,59,null,445,null,395,null,412]
[null,"Assumption changes and experience variances",null,-101,null,102,null,0,null,-6,null,-5,null,-2,null,72]
[null,"General Insurance income net of claims",null,0,null,0,null,199,null,0,null,199,null,253,null,204]
[null,"Total underlying income",null,330,null,206,null,199,null,55,null,790,null,896,null,861]
[null,"Total costs",null,-183,null,-65,null,-69,null,-12,null,-329,null,-337,null,-332]
[null,"Underlying profit",null,147,null,141,null,130,null,43,null,461,null,559,null,529]
[]
[null,"Underlying profit 30 June 20133",null,198,null,186,null,175,null,0,null,559]
[]
[]
[1,"Retirement assumption changes and experience variances include the benefit of acquiring from Commercial Banking, £785 million of infrastructure and social housing loans during 2014; bringing total social housing, infrastructure and education loans acquired to £3.1 billion."]
[2,"'Other’ includes the results of the European business in addition to income from return on free assets, interest expense and certain provisions."]
[3,"Full 2013 comparator tables for the profit and cash disclosures can be found on the Lloyds Banking Group investor site."]
[]
[null,"Operating cash generation"]
[null,null,null,"Half-year to 30 June 2014",null,null,null,null,null,null,null,null,null,"Half-year to 30 June 2013",null,"Half-year to 31 Dec 2013"]
[null,null,null,"Pensions & investments",null,"Protection & retirement",null,"General Insurance",null,"Other",null,"Total",null,"Total",null,"Total"]
[null,null,null,"£m",null,"£m",null,"£m",null,"£m",null,"£m",null,"£m",null,"£m"]
[null,"Cash invested in new business",null,-123,null,-24,null,0,null,-6,null,-153,null,-137,null,-133]
[null,"Cash generated from existing business",null,266,null,60,null,0,null,77,null,403,null,339,null,316]
[null,"Cash generated from General Insurance",null,0,null,0,null,130,null,0,null,130,null,175,null,122]
[null,"Operating cash generation",null,143,null,36,null,130,null,71,null,380,null,377,null,305]
[null,"Intangibles and other adjustments",null,4,null,105,null,0,null,-28,null,81,null,182,null,224]
[null,"Underlying profit before tax",null,147,null,141,null,130,null,43,null,461,null,559,null,529]
[]
[null,"Operating cash generation 30 June 2013",null,119,null,77,null,175,null,6,null,377]
[]
[]
[]
[]
[]
[]
[null,"Insurance - Comparative Tables"]
[]
[]
[null,"Profit by product group"]
[null,null,null,"Half-year to 30 June 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,"New business income",null,166,null,82,null,0,null,2,null,250]
[null,"Existing bussiness income",null,294,null,60,null,0,null,41,null,395]
[null,"Assumption changes and experience variances",null,-88,null,118,null,0,null,-32,null,-2]
[null,"General Insurance income net of claims",null,0,null,0,null,253,null,0,null,253]
[null,"Total underlying income",null,372,null,260,null,253,null,11,null,896]
[null,"Total costs",null,-174,null,-74,null,-78,null,-11,null,-337]
[null,"Underlying profit half year 2013",null,198,null,186,null,175,null,0,null,559]
[]
[]
[]
[]
[]
[null,"Operating cash generation"]
[null,null,null,"Half-year to 30 June 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,-133,null,2,null,0,null,-6,null,-137]
[null,"Cash generated from existing business",null,252,null,75,null,0,null,12,null,339]
[null,"Cash generated from General Insurance",null,0,null,0,null,175,null,0,null,175]
[null,"Operating cash generation",null,119,null,77,null,175,null,6,null,377]
[null,"Intangibles and other adjustments",null,79,null,109,null,"-",null,-6,null,182]
[null,"Underlying profit half year 2013",null,198,null,186,null,175,null,"-",null,559]

{"sheet":"32","index":15,"n_rows":41,"n_cols":23,"rows_kept":41,"cut":false,"hidden":false,"merged":[[27,1,27,8],[29,3,30,3],[2,1,3,1],[2,4,3,4],[40,1,40,7],[26,1,26,7]]}
[null,"Run-off"]
[]
[]
[null,null,null,"Half-year to 30 June 2014",null,"Half-year to 30 June 20131",null,"Change ",null,"Half-year to 31 Dec 20131",null,"Change"]
[null,null,null,"£m ",null,"£m ",null,"% ",null,"£m ",null,"% "]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,""]
[null,"Net interest income",null,-67,null,128,null,null,null,10,null,null,null,null,null,null,null,null,null,null,null,null,""]
[null,"Other income",null,260,null,896,null,-70.982142857142861,null,370,null,-29.72972972972973,null,null,null,null,null,null,null,null,null,null,""]
[null,"Total underlying income",null,193,null,1024,null,-81.15234375,null,380,null,-49.210526315789473,null,null,null,null,null,null,null,null,null,null,""]
[null,"Total underlying income excl. SJP",null,193,null,494,null,-60.931174089068833,null,248,null,-22.177419354838708]
[null,"Total costs",null,-169,null,-447,null,62.192393736017891,null,-279,null,39.426523297491038,null,null,null,null,null,null,null,null,null,null,""]
[null,"Impairment",null,-324,null,-828,null,60.869565217391312,null,-561,null,42.245989304812838,null,null,null,null,null,null,null,null,null,null,""]
[null,"Underlying loss",null,-300,null,-251,null,-19.52191235059761,null,-460,null,34.782608695652172,null,null,null,null,null,null,null,null,null,null,""]
[null,"Underlying loss excl. SJP",null,-300,null,-737,null,59.2944369063772,null,-592,null,49.324324324324323]
[]
[]
[null,null,null,null,null,null,null,"At ",null,"At ",null,null,null,null,null,null,null,null,null,null,null,null,""]
[null,"Key balance sheet items",null,null,null,null,null,"30 June ",null,"31 Dec ",null,null,null,null,null,null,null,null,null,null,null,null,""]
[null,null,null,null,null,null,null,2014,null,"20131",null,"Change",null,null,null,null,null,null,null,null,null,null,""]
[null,null,null,null,null,null,null,"£bn ",null,"£bn ",null,"%"]
[]
[null,"Total assets",null,null,null,null,null,25.2,null,33.299999999999997,null,-24.324324324324319]
[null,"Risk-weighted assets under rules prevailing on 1 January 2014",null,null,null,null,null,24.2,null,30.6,null,-20.915032679738569]
[null,"Risk-weighted assets under rules prevailing on 31 December 2013",null,null,null,null,null,null,null,30.7]
[]
[]
[1,"Restated to reflect previously announced changes to the Group operating structure implemented from 1 January 2014."]
[]
[null,"Central Items"]
[null,null,null,"Half-year to 30 June 2014"]
[null,null,null,null,null,"Half-year to 30 June 20131",null,"Half-year to 31 Dec 20131"]
[null,null,null,"£m ",null,"£m ",null,"£m "]
[]
[null,"Total underlying income (expense)",null,66,"",-132,"",-1,null,""]
[null,"Total costs",null,-34,"",5,"",-54,null,""]
[null,"Impairment",null,0,"",-2,"",-3,null,""]
[null,"Underlying profit (loss)",null,32,"",-129,"",-58,null,""]
[]
[]
[]
[1,"Restated to reflect previously announced changes to the Group operating structure implemented from 1 January 2014."]

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[null,"Reconciliation between statutory and underlying basis results "]
[]
[null,null,null,null,"Removal of:"]
[null,null,null,"Lloyds ",null,null,null,"Volatility "]
[null,"Half-year to 30 June 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,5262,"",-10,"",0,"",239,"",0,"",313,"",5804,null,null,""]
[null,"Other income, net of insurance claims",null,2434,"",1135,"",122,"",-314,"",0,"",71,"",3448]
[null,"Total underlying income",null,7696,"",1125,"",122,"",-75,"",0,"",384,"",9252]
[null,"Operating expenses3",null,-6192,"",321,"",0,"",75,"",1100,"",21,"",-4675]
[null,"Impairment",null,-641,"",-27,"",0,"",0,"",0,"",-90,"",-758]
[null,"Profit (loss)",null,863,"",1419,"",122,"",0,"",1100,"",315,"",3819]
[]
[]
[null,null,null,null,"Removal of:"]
[null,null,null,"Lloyds ",null,null,null,"Volatility "]
[null,"Half-year to 30 June 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 items4",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,3270,"",-12,"",-7,"",1700,"",0,"",255,"",5206]
[null,"Other income, net of insurance claims",null,7115,"",-558,"",-478,"",-1821,"",0,"",0,"",4258]
[null,"Total underlying income",null,10385,"",-570,"",-485,"",-121,"",0,"",255,"",9464]
[null,"Operating expenses3",null,-6568,"",1090,"",0,"",121,"",575,"",33,"",-4749]
[null,"Impairment",null,-1683,"",194,"",0,"",0,"",0,"",-324,"",-1813]
[null,"Profit (loss)",null,2134,"",714,"",-485,"",0,"",575,"",-36,"",2902]
[]
[]
[null,null,null,null,"Removal of:"]
[null,null,null,"Lloyds ",null,null,null,"Volatility "]
[null,"Half-year to 31 December 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 items5",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,4068,"",-2,"",7,"",1230,"",0,"",376,"",5679]
[null,"Other income, net of insurance claims",null,4025,"",1018,"",-190,"",-1253,"",0,"",62,"",3662]
[null,"Total underlying income",null,8093,"",1016,"",-183,"",-23,"",0,"",438,"",9341]
[null,"Operating expenses3",null,-8754,"",951,"",0,"",23,"",2880,"",14,"",-4886]
[null,"Impairment",null,-1058,"",55,"",0,"",0,"",0,"",-188,"",-1191]
[null,"Profit (loss)",null,-1719,"",2022,"",-183,"",0,"",2880,"",264,"",3264]
[]
[1,"Comprises the effects of asset sales (gain of £94 million), volatile items (gain of £152 million), liability management (loss of £1,376 million),  Simplification costs related to severance, IT and business costs of implementation (£519 million), TSB costs (£309 million), the past service pensions credit (£710 million) and the amortisation of purchased intangibles (£171 million)."]
[2,"Comprises the payment protection insurance provision of £600 million (half-year to 30 June 2013: £500 million; half-year to 31 December 2013: £2,550 million) and other regulatory provisions of £500 million (half-year to 30 June 2013: £75 million; half-year to 31 December 2013: £330 million)."]
[3,"On an underlying basis, this is described as total costs."]
[4,"Comprises the effects of asset sales (gain of £775 million), volatile items (loss of £302 million), liability management (loss of £97 million),  Simplification costs related to severance, IT and business costs of implementation (£409 million), TSB costs (£377 million), the past service pensions charge (£104 million) and the amortisation of purchased intangibles (£200 million)."]
[5,"Comprises the effects of asset sales (loss of £675 million), volatile items (loss of £376 million), liability management (loss of £45 million),  Simplification costs related to severance, IT and business costs of implementation (£421 million), TSB costs (£310 million) and the amortisation of purchased intangibles (£195 million)."]

{"sheet":"34-35","index":17,"n_rows":38,"n_cols":18,"rows_kept":38,"cut":false,"hidden":false,"merged":[]}
[null,"Banking net interest margin"]
[]
[null,null,null,"Half-year to 30 June 2014",null,"Half-year to 30 June 2013",null,"Half-year to 31 Dec 2013"]
[null,null,null,"£m ",null,"£m ",null,"£m "]
[]
[null,"Banking net interest income – underlying basis",null,5826,null,5153,null,5688,"",null,null,""]
[null,"Insurance division",null,-64,null,-49,null,-58,""]
[null,"Other net interest income (including trading activity)",null,42,null,102,null,49,""]
[null,"Group net interest income – underlying basis",null,5804,null,5206,null,5679,"",null,null,null,null,null,null,null,null,""]
[null,"Fair value unwind",null,-313,null,-255,null,-376,"",null,null,null,null,null,null,null,null,""]
[null,"Banking volatility and liability management gains",null,10,null,12,null,2,"",null,null,null,null,null,null,null,null,""]
[null,"Insurance gross up",null,-239,null,-1700,null,-1230,"",null,null,null,null,null,null,null,null,""]
[null,"Volatility relating to the insurance business",null,0,null,7,null,-7,"",null,null,null,null,null,null,null,null,""]
[null,"Group net interest income – statutory",null,5262,null,3270,null,4068,"",null,null,null,null,null,null,null,null,""]
[]
[]
[null,"Volatility relating to the insurance business"]
[]
[null,null,null,null,null,"Half-year to 30 June 2014",null,"Half-year to 30 June 2013"]
[null,null,null,null,null,"£m ",null,"£m "]
[]
[null,"Insurance volatility",null,null,null,-133,null,58]
[null,"Policyholder interests volatility1",null,null,null,43,null,407]
[null,"Total volatility",null,null,null,-90,null,465]
[null,"Insurance hedging arrangements",null,null,null,-32,null,20]
[null,"Total",null,null,null,-122,null,485]
[]
[1,"2013 includes volatility relating to the Group’s interest in St. James’s Place."]
[]
[]
[null,"Insurance volatility"]
[null,"United Kingdom",null,null,null,"Half-year to 30 June 2014",null,"Half-year to 30 June 2013"]
[null,null,null,null,null,"% ",null,"% "]
[]
[null,"Investments backing annuity liabilities",null,null,null,4.51,"",3.76]
[null,"Equities and property",null,null,null,6.48,"",5.58]
[null,"UK Government bonds",null,null,null,3.48,"",2.58]
[null,"Corporate bonds",null,null,null,4.08,"",3.18]

{"sheet":"36","index":18,"n_rows":39,"n_cols":8,"rows_kept":39,"cut":false,"hidden":false,"merged":[[34,1,34,8],[35,1,35,7],[37,1,37,8]]}
[null,"Number of employees (full-time equivalent)"]
[null,null,null,null,null,"At                30 June 2014",null,"At                31 Dec 2013"]
[null,null,null,null,null,"£m ",null,"£m "]
[]
[null,"Retail",null,null,null,38066,null,38845]
[null,"Commercial Banking",null,null,null,6691,null,6787]
[null,"Consumer Finance",null,null,null,3494,null,3404]
[null,"Insurance",null,null,null,2009,null,2373]
[null,"Run-off and Central items",null,null,null,32429,null,32766]
[null,"TSB",null,null,null,7571,null,7140]
[null,null,null,null,null,90260,null,91315]
[null,"Agency staff (full-time equivalent)",null,null,null,-2602,null,-2338]
[null,"Interns/Scholars/Career Academies",null,null,null,-304,null,"-"]
[null,"Total number of employees (full-time equivalent)",null,null,null,87354,null,88977]
[]
[]
[]
[null,"TSB",null,"Half-year to 30 June 2014",null,"Half-year to 30 June 2013",null,"Half-year to 31 Dec 2013"]
[null,null,null,"£m ",null,"£m ",null,"£m "]
[]
[null,"On a Lloyds Banking Group reporting basis (underlying profit)",null,226,null,60,null,46]
[null,"Recognition of product transfers1",null,-9,null,-122,null,-78]
[null,"Cost allocation2",null,0,null,105,null,112]
[null,"TSB dual running costs3",null,-138,null,0,null,0]
[null,"Volatile items4",null,-14,null,0,null,-46]
[null,"Defined benefit pension scheme settlement gain5",null,64,null,0,null,0]
[null,"FSCS levy adjustment6",null,0,null,-3,null,13]
[null,"Other",null,0,null,-4,null,2]
[null,"Reported in the TSB results RNS",null,129,null,36,null,49]
[]
[]
[]
[]
[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 deconsolidated at Lloyds Banking Group level."]
[6,"Adjustment to reflect the change in timing of the FSCS charge."]

{"sheet":"41","index":19,"n_rows":42,"n_cols":18,"rows_kept":42,"cut":false,"hidden":false,"merged":[]}
[null,"Group impairment charge by division"]
[]
[]
[null,null,null,"Half-year to 30 June 2014",null,"Half-year to 30 June 2013",null,"Change   since     30 June 2013",null,"Half-year to 31 Dec 2013"]
[null,"Group",null,"£m ",null,"£m ",null,"% ",null,"£m "]
[null,null,null,null,null,null,null,null,null,null,{"$f":"IF(IF(F6=\"\",TRUE,IF(CODE(F6)=150,TRUE,FALSE)),\"\",VALUE(SUBSTITUTE(F6,CHAR(160),\"\")))","v":""}]
[null,"Retail:",null,null,"",null,"",null,"",null,null,{"$f":"IF(IF(E7=\"\",TRUE,IF(CODE(E7)=150,TRUE,FALSE)),\"\",VALUE(SUBSTITUTE(E7,CHAR(160),\"\")))","v":""},null,null,null,null,null,{"$f":"IF(IF(J7=\"\",TRUE,IF(CODE(J7)=150,TRUE,FALSE)),\"\",VALUE(SUBSTITUTE(J7,CHAR(160),\"\")))","v":""}]
[null,"Secured",null,94,null,188,null,50,null,61]
[null,"Loans and overdrafts",null,165,null,253,null,35,null,225]
[null,"Other",null,17,null,21,null,19,null,12]
[null,null,null,{"$f":"SUM(D8:D10)","v":276},null,{"$f":"SUM(F8:F10)","v":462},null,40,null,{"$f":"SUM(J8:J10)","v":298}]
[null,"Commercial Banking:",null,null,null,null,null,null,"",null,null,null,null,null,null,null,null,{"$f":"IF(IF(J12=\"\",TRUE,IF(CODE(J12)=150,TRUE,FALSE)),\"\",VALUE(SUBSTITUTE(J12,CHAR(160),\"\")))","v":""}]
[null,"SME",null,5,null,72,null,93,null,90]
[null,"Other",null,24,null,213,null,89,null,23]
[null,null,null,{"$f":"SUM(D13:D14)","v":29},null,{"$f":"SUM(F13:F14)","v":285},null,90,null,{"$f":"SUM(J13:J14)","v":113}]
[null,"Consumer Finance:"]
[null,"Credit Cards",null,69,null,138,null,50,null,136]
[null,"Asset Finance",null,8,null,32,null,75,"",20]
[null,"Netherlands",null,1,null,7,null,86,null,10]
[null,null,null,{"$f":"SUM(D17:D19)","v":78},null,{"$f":"SUM(F17:F19)","v":177},null,56,null,{"$f":"SUM(J17:J19)","v":166}]
[null,"Run-off:"]
[null,"Ireland retail",null,13,null,21,null,38,null,-47]
[null,"Ireland commerical real estate",null,56,null,183,null,69,null,36]
[null,"Ireland corporate",null,182,null,181,null,-1,null,234]
[null,"Corporate real estate and other corporate",null,92,null,317,null,71,null,205]
[null,"Specialist finance",null,30,null,233,null,87,null,112]
[null,"Other",null,-49,null,-107,null,-54,null,21]
[null,null,null,{"$f":"SUM(D22:D27)","v":324},null,{"$f":"SUM(F22:F27)","v":828},null,61,null,{"$f":"SUM(J22:J27)","v":561}]
[null,"TSB",null,51,null,59,null,14,null,50]
[null,"Central items",null,0,null,2,null,null,null,3]
[null,"Total impairment charge",null,{"$f":"SUM(D11,D15,D20,D28:D30)","v":758},null,{"$f":"SUM(F11,F15,F20,F28:F30)","v":1813},null,58,null,{"$f":"SUM(J11,J15,J20,J28:J30)","v":1191}]
[null,null,null,null,null,null,null,null,"",null,null,null,null,null,null,null,null,{"$f":"IF(IF(J32=\"\",TRUE,IF(CODE(J32)=150,TRUE,FALSE)),\"\",VALUE(SUBSTITUTE(J32,CHAR(160),\"\")))","v":""}]
[null,"Impairment charge as a % of average advances",null,3.0000000000000001E-3,null,6.8999999999999999E-3,null,null,null,4.4999999999999997E-3]
[]
[null,"Total impairment charge comprises:"]
[null,null,null,"Half-year to 30 June 2014",null,"Half-year to 30 June 2013",null,"Change   since     30 June 2013",null,"Half-year to 31 Dec 2013"]
[null,null,null,"£m ",null,"£m ",null,"% ",null,"£m "]
[]
[null,"Loans and advances to customers",null,756,null,1810,null,58,null,1178]
[null,"Debt securities classified as loans and receivables ",null,0,null,1,null,null,null,0]
[null,"Available-for-sale financial assets",null,2,null,2,null,0,null,13]
[null,"Total impairment charge",null,{"$f":"SUM(D39:D41)","v":758},null,{"$f":"SUM(F39:F41)","v":1813},null,58,null,{"$f":"SUM(J39:J41)","v":1191}]

{"sheet":"42","index":20,"n_rows":39,"n_cols":12,"rows_kept":39,"cut":false,"hidden":false,"merged":[[38,1,40,11]]}
[null,"Group impaired loans and provisions"]
[]
[]
[null,"At 30 June 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,"£m ",null,"£m ",null,"% ",null,"£m ",null,"% "]
[]
[null,"Retail"]
[null,"Secured",null,302930,null,4699,null,1.6,null,1353,null,28.8]
[null,"Loans and overdrafts",null,10425,null,729,null,7,null,257,null,86]
[null,"Other",null,4039,null,337,null,8.3000000000000007,null,67,null,22]
[null,null,null,{"$f":"SUM(D8:D10)","v":317394},null,{"$f":"SUM(F8:F10)","v":5765},null,1.8,null,{"$f":"SUM(J8:J10)","v":1677},null,31.6]
[null,"Commercial Banking"]
[null,"SME",null,27841,null,1744,null,6.3,null,498,null,28.6]
[null,"Other",null,78679,null,2310,null,2.9,null,1315,null,56.9]
[null,null,null,{"$f":"SUM(D13:D14)","v":106520},null,{"$f":"SUM(F13:F14)","v":4054},null,3.8,null,{"$f":"SUM(J13:J14)","v":1813},null,44.7]
[null,"Consumer Finance:"]
[null,"Credit Cards",null,8834,null,593,null,6.7,null,213,null,93.8]
[null,"Asset Finance",null,6321,null,177,null,2.8,null,111,null,62.7]
[null,"Netherlands",null,5118,null,81,null,1.6,null,37,null,45.7]
[null,null,null,{"$f":"SUM(D17:D19)","v":20273},null,{"$f":"SUM(F17:F19)","v":851},null,4.2,null,{"$f":"SUM(J17:J19)","v":361},null,74.400000000000006]
[null,"Run-off:"]
[null,"Ireland retail",null,5610,null,930,null,16.600000000000001,null,617,null,66.3]
[null,"Ireland commerical real estate",null,4365,null,4128,null,94.6,null,3193,null,77.3]
[null,"Ireland corporate",null,3385,null,2970,null,87.7,null,2231,null,75.099999999999994]
[null,"Corporate real estate and other corporate",null,7940,null,5300,null,66.8,null,2611,null,49.3]
[null,"Specialist finance",null,7113,null,848,null,11.9,null,437,null,51.5]
[null,"Other",null,2104,null,351,null,16.7,null,257,null,73.2]
[null,null,null,{"$f":"SUM(D22:D27)","v":30517},null,{"$f":"SUM(F22:F27)","v":14527},null,47.6,null,{"$f":"SUM(J22:J27)","v":9346},null,64.3]
[null,"TSB",null,22652,null,216,null,1,null,90,null,41.7]
[null,"Reverse repos and other items",null,7758]
[null,"Total gross lending",null,{"$f":"SUM(D11,D15,D20,D28,D29:D30)","v":505114},null,{"$f":"SUM(F11,F15,F20,F28,F29:F30)","v":25413},null,5,null,{"$f":"SUM(J11,J15,J20,J28,J29:J30)","v":13287},null,54]
[null,"Impairment provisions",null,-13287]
[null,"Fair value adjustments3",null,-482]
[null,"Total Group",null,{"$f":"SUM(D31:D33)","v":491345}]
[]
[1,"Impairment provisions include collective unimpaired provisions."]
[2,"Impairment provisions as a percentage of impaired loans are calculated excluding Retail and Consumer Finance loans in recoveries"]
[null,"(30 June 2014: £430 million in Retail loans and overdrafts, £32 million in Retail other and £366 million in Consumer Finance credit cards)."]
[3,"The fair value adjustments relating to loans and advances were those required to reflect the HBOS assets in the Group’s consolidated financial records at their fair value and took into account both the expected losses and market liquidity at the date of acquisition. The unwind relating to future impairment losses requires significant management judgement to determine its timing which includes an assessment of whether the losses incurred in the current period were expected at the date of the acquisition and assessing whether the remaining losses expected at the date of the acquisition will still be incurred. The element relating to market liquidity unwinds to the income statement over the estimated expected lives of the related assets (until 2014 for wholesale loans and 2018 for retail loans) although if an asset is written-off or suffers previously unexpected impairment then this element of the fair value will no longer be considered a timing difference (liquidity) but permanent (impairment). The fair value unwind in respect of impairment losses incurred was £90 million for the period ended 30 June 2014 (30 June 2013: £324 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 were reduced to zero over time."]

{"sheet":"43","index":21,"n_rows":39,"n_cols":12,"rows_kept":39,"cut":false,"hidden":false,"merged":[[39,1,40,12],[38,1,38,11]]}
[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",null,"Impairment provisions as a % of impaired loans2"]
[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,{"$f":"SUM(D9:D11)","v":316765},null,{"$f":"SUM(F9:F11)","v":6730},null,2.1,null,{"$f":"SUM(J9:J11)","v":1838},null,29.5]
[null,"Commercial Banking"]
[null,"SME",null,27268,null,2194,null,8,null,623,null,28.4]
[null,"Other",null,83111,null,2853,null,3.4,null,1761,null,61.7]
[null,null,null,{"$f":"SUM(D14:D15)","v":110379},null,{"$f":"SUM(F14:F15)","v":5047},null,4.5999999999999996,null,{"$f":"SUM(J14:J15)","v":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",null,5061,null,221,null,4.4000000000000004,null,140,null,63.3]
[null,"Netherlands",null,5478,null,86,null,1.6,null,45,null,52.3]
[null,null,null,{"$f":"SUM(D18:D20)","v":19547},null,{"$f":"SUM(F18:F20)","v":946},null,4.8,null,{"$f":"SUM(J18:J20)","v":411},null,76]
[null,"Run-off:"]
[null,"Ireland retail",null,5944,null,1002,null,16.899999999999999,null,638,null,63.7]
[null,"Ireland commerical real estate",null,5512,null,5087,null,92.3,null,3775,null,74.2]
[null,"Ireland corporate",null,3918,null,3235,null,82.6,null,2305,null,71.3]
[null,"Corporate real estate and other corporate",null,11571,null,8131,null,70.3,null,3320,null,40.799999999999997]
[null,"Specialist finance",null,9017,null,1368,null,15.2,null,565,null,41.3]
[null,"Other",null,2519,null,486,null,19.3,null,372,null,76.5]
[null,null,null,{"$f":"SUM(D23:D28)","v":38481},null,{"$f":"SUM(F23:F28)","v":19309},null,50.2,null,{"$f":"SUM(J23:J28)","v":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,{"$f":"SUM(D12,D16,D21,D29,D30:D31)","v":511504},null,{"$f":"SUM(F12,F16,F21,F29,F30:F31)","v":32259},null,6.3,null,{"$f":"SUM(J12,J16,J21,J29,J30:J31)","v":15707},null,50.1]
[null,"Impairment provisions",null,-15707]
[null,"Fair value adjustments",null,-516]
[null,"Total Group",null,{"$f":"SUM(D32:D34)","v":495281}]
[]
[]
[1,"Impairment provisions include collective unimpaired provisions."]
[2,"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":"45","index":22,"n_rows":37,"n_cols":35,"rows_kept":37,"cut":false,"hidden":false,"merged":[[27,2,27,3],[27,14,27,15],[4,17,5,17],[26,11,26,13],[26,15,26,17],[27,6,27,7],[27,10,27,11],[3,16,5,16],[26,3,26,5],[26,7,26,9]]}
[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,"The Retail division's gross loans and advances to customers are analysed in the following table:",null,null,null,null,null,null,null,null,null,null,null,null,null,"30 Jun ",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,228554,null,228030,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(IF(#REF!=\"\",TRUE,IF(CODE(#REF!)=150,TRUE,FALSE)),\"\",VALUE(SUBSTITUTE(#REF!,CHAR(160),\"\")))","v":{"$error":"#REF!"}},{"$f":"IF(IF(S9=\"\",TRUE,IF(CODE(S9)=150,TRUE,FALSE)),\"\",VALUE(SUBSTITUTE(S9,CHAR(160),\"\")))","v":""}]
[null,"Buy to let",null,null,null,null,null,null,null,null,null,null,null,null,null,51656,null,50346,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(IF(#REF!=\"\",TRUE,IF(CODE(#REF!)=150,TRUE,FALSE)),\"\",VALUE(SUBSTITUTE(#REF!,CHAR(160),\"\")))","v":{"$error":"#REF!"}},""]
[null,"Specialist1",null,null,null,null,null,null,null,null,null,null,null,null,null,22720,null,23643,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(IF(#REF!=\"\",TRUE,IF(CODE(#REF!)=150,TRUE,FALSE)),\"\",VALUE(SUBSTITUTE(#REF!,CHAR(160),\"\")))","v":{"$error":"#REF!"}},""]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"SUM(P9:P11)","v":302930},null,{"$f":"SUM(R9:R11)","v":302019},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(IF(#REF!=\"\",TRUE,IF(CODE(#REF!)=150,TRUE,FALSE)),\"\",VALUE(SUBSTITUTE(#REF!,CHAR(160),\"\")))","v":{"$error":"#REF!"}},""]
[]
[null,"Loans",null,null,null,null,null,null,null,null,null,null,null,null,null,8232,null,8282,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(IF(#REF!=\"\",TRUE,IF(CODE(#REF!)=150,TRUE,FALSE)),\"\",VALUE(SUBSTITUTE(#REF!,CHAR(160),\"\")))","v":{"$error":"#REF!"}},""]
[null,"Overdrafts",null,null,null,null,null,null,null,null,null,null,null,null,null,2193,null,2316,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(IF(#REF!=\"\",TRUE,IF(CODE(#REF!)=150,TRUE,FALSE)),\"\",VALUE(SUBSTITUTE(#REF!,CHAR(160),\"\")))","v":{"$error":"#REF!"}},""]
[null,"Wealth",null,null,null,null,null,null,null,null,null,null,null,null,null,3079,null,3232,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(IF(#REF!=\"\",TRUE,IF(CODE(#REF!)=150,TRUE,FALSE)),\"\",VALUE(SUBSTITUTE(#REF!,CHAR(160),\"\")))","v":{"$error":"#REF!"}},""]
[null,"Retail Business Banking",null,null,null,null,null,null,null,null,null,null,null,null,null,960,null,916,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(IF(#REF!=\"\",TRUE,IF(CODE(#REF!)=150,TRUE,FALSE)),\"\",VALUE(SUBSTITUTE(#REF!,CHAR(160),\"\")))","v":{"$error":"#REF!"}},""]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"SUM(P14:P17)","v":14464},null,{"$f":"SUM(R14:R17)","v":14746}]
[]
[null,"Total",null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"P12+P18","v":317394},null,{"$f":"R12+R18","v":316765},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(IF(#REF!=\"\",TRUE,IF(CODE(#REF!)=150,TRUE,FALSE)),\"\",VALUE(SUBSTITUTE(#REF!,CHAR(160),\"\")))","v":{"$error":"#REF!"}},""]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"",""]
[1,"Specialist lending is closed to new business."]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(IF(R24=\"\",TRUE,IF(CODE(R24)=150,TRUE,FALSE)),\"\",VALUE(SUBSTITUTE(R24,CHAR(160),\"\")))","v":""},{"$f":"IF(IF(S24=\"\",TRUE,IF(CODE(S24)=150,TRUE,FALSE)),\"\",VALUE(SUBSTITUTE(S24,CHAR(160),\"\")))","v":""}]
[null,"Retail mortgages greater than three months in arrears (excluding repossessions)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"",""]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"",""]
[null,null,null,"Number of cases",null,null,null,"Total mortgage accounts %",null,null,null,"Value of loans1",null,null,null,"Total mortgage balances %",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"",""]
[null,null,"June",null,null,"Dec","June",null,null,"Dec","June",null,null,"Dec","June",null,null,"Dec",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$error":"#VALUE!"},""]
[null,null,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,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$error":"#VALUE!"},""]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"",""]
[null,"Mainstream",null,44308,"",50437,"",1.9,"",2.2000000000000002,"",4906,"",5683,"",2.1,"",2.5,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,2.5,""]
[null,"Buy to let",null,5759,"",6250,"",1.2,"",1.4,"",771,"",859,"",1.5,"",1.7,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,1.7,""]
[null,"Specialist",null,10686,"",11870,"",6.8,"",7.3,"",1837,"",2051,"",8.1,"",8.6,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,8.6,""]
[null,"Total",null,{"$f":"SUM(D32:D34)","v":60753},"",{"$f":"SUM(F32:F34)","v":68557},"",2.1,"",2.2999999999999998,"",{"$f":"SUM(L32:L34)","v":7514},"",{"$f":"SUM(N32:N34)","v":8593},"",2.5,"",2.8,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,2.8,""]
[]
[1,"Value of loans represents total book value of mortgages more than three months in arrears."]

{"sheet":"46","index":23,"n_rows":37,"n_cols":35,"rows_kept":37,"cut":false,"hidden":false,"merged":[[37,1,37,11]]}
[null,"CREDIT RISK PORTFOLIO (continued)"]
[]
[null,"Retail (continued)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(IF(R3=\"\",TRUE,IF(CODE(R3)=150,TRUE,FALSE)),\"\",VALUE(SUBSTITUTE(R3,CHAR(160),\"\")))","v":""},""]
[]
[null,"Period end and average LTVs across the Retail mortgage portfolios"]
[]
[null,"At 30 June 2014",null,null,null,null,null,null,null,null,null,"Mainstream ",null,"Buy to let ",null,"Specialist",null,"Total "]
[null,null,null,null,null,null,null,null,null,null,null,"% ",null,"% ",null,"% ",null,"% "]
[]
[null,"Less than 60%",null,null,null,null,null,null,null,null,null,41.8,null,27.3,null,26.2,null,38.1]
[null,"60% to 70%",null,null,null,null,null,null,null,null,null,19.600000000000001,null,28.3,null,19.2,null,21.2]
[null,"70% to 80%",null,null,null,null,null,null,null,null,null,19.3,null,21.1,null,20.399999999999999,null,19.7]
[null,"80% to 90%",null,null,null,null,null,null,null,null,null,11.9,null,12.1,null,17.2,null,12.3]
[null,"90% to 100%",null,null,null,null,null,null,null,null,null,4.7,null,8.6,null,10.3,null,5.8]
[null,"Greater than 100%",null,null,null,null,null,null,null,null,null,2.7,null,2.6,null,6.7,null,2.9]
[null,"Total",null,null,null,null,null,null,null,null,null,{"$f":"SUM(L10:L15)","v":100.00000000000001},"",{"$f":"SUM(N10:N15)","v":99.999999999999986},"",{"$f":"SUM(P10:P15)","v":100},"",{"$f":"SUM(R10:R15)","v":100}]
[null,"Average loan to value:1",null,null,null,null,null,null,null,null,null,"","","","","","",""]
[null,"Stock of residential mortgages",null,null,null,null,null,null,null,null,null,47.3,null,63.4,null,61.8,null,50.4]
[null,"New residential lending",null,null,null,null,null,null,null,null,null,64.5,null,63.6,null,"n/a",null,64.3]
[null,"Impaired mortgages",null,null,null,null,null,null,null,null,null,63,null,84.8,null,75.900000000000006,null,67.900000000000006]
[]
[null,"At 31 December 2013",null,null,null,null,null,null,null,null,null,"Mainstream ",null,"Buy to let ",null,"Specialist",null,"Total "]
[null,null,null,null,null,null,null,null,null,null,null,"% ",null,"% ",null,"% ",null,"% "]
[]
[null,"Less than 60%",null,null,null,null,null,null,null,null,null,36.4,"",19.100000000000001,"",20.100000000000001,"",32.299999999999997]
[null,"60% to 70%",null,null,null,null,null,null,null,null,null,16.600000000000001,"",20.7,"",15.7,"",17.2]
[null,"70% to 80%",null,null,null,null,null,null,null,null,null,19.8,"",26.5,"",19.3,"",20.9]
[null,"80% to 90%",null,null,null,null,null,null,null,null,null,15.2,"",15.7,"",20.100000000000001,"",15.6]
[null,"90% to 100%",null,null,null,null,null,null,null,null,null,7.4,"",11.6,"",14.3,"",8.6]
[null,"Greater than 100%",null,null,null,null,null,null,null,null,null,4.5999999999999996,"",6.4,"",10.5,"",5.4]
[null,"Total",null,null,null,null,null,null,null,null,null,{"$f":"SUM(L25:L30)","v":100},"",{"$f":"SUM(N25:N30)","v":100},"",{"$f":"SUM(P25:P30)","v":99.999999999999986},"",{"$f":"SUM(R25:R30)","v":100}]
[null,"Average loan to value:1",null,null,null,null,null,null,null,null,null,"","","","","","",""]
[null,"Stock of residential mortgages",null,null,null,null,null,null,null,null,null,49.9,"",67.900000000000006,"",66.2,"",53.3]
[null,"New residential lending",null,null,null,null,null,null,null,null,null,64,"",64,"","n/a","",64]
[null,"Impaired mortgages",null,null,null,null,null,null,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":"51","index":24,"n_rows":27,"n_cols":14,"rows_kept":27,"cut":false,"hidden":false,"merged":[[26,1,26,13],[4,3,6,5],[4,7,6,9],[4,11,6,13],[23,1,23,13],[22,1,22,13]]}
[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,null,null,"At June",null,"At Dec",null,"At June",null,"At Dec",null,"At June",null,"At Dec"]
[null,null,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,294,null,957,null,90,null,221,null,8,null,4.0999999999999996]
[null,"Reduced payment arrangements3",null,1085,null,1336,null,166,null,157,null,2.7,null,3.2]
[null,null,null,{"$f":"SUM(D13:D14)","v":1379},null,{"$f":"SUM(F13:F14)","v":2293},null,{"$f":"SUM(H13:H14)","v":256},null,{"$f":"SUM(J13:J14)","v":378},null,3.8,null,3.6]
[null,"Permanent treatments"]
[null,"Repair and term extensions4",null,3858,null,3860,null,212,null,296,null,3.2,null,3.4]
[null,"Total",null,{"$f":"D15+D17","v":5237},null,{"$f":"F15+F17","v":6153},null,{"$f":"H15+H17","v":468},null,{"$f":"J15+J17","v":674},null,3.3,null,3.5]
[]
[null,"UK unsecured lending:"]
[null,"Loans and overdrafts5",null,174,null,191,null,157,null,169,null,43.9,null,45.8]
[]
[1,"£4,769 million of current and recent forborne secured loans and advances were not impaired at 30 June 2014 (31 December 2013: £5,479 million). £17 million of current and recent forborne loans and overdrafts were not impaired at 30 June 2014 (31 December: £22 million)."]
[2,"Includes temporary interest only arrangements and short-term payment holidays granted in collections where the customer is currently benefitting from the treatment and where the concession has ended within the previous six months (temporary interest only) and previous 12 months (short-term payment holidays)."]
[3,"Includes customers who had an arrangement to pay less than the contractual amount at 30 June 2014 or where an arrangement ended within the previous three months."]
[4,"Includes capitalisation of arrears and term extensions which commenced during the previous 24 months and who remain as customers at 30 June 2014."]
[5,"Includes temporary treatments where the customer is currently benefiting from the change or the treatment has ended within the previous six months. Permanent changes which commenced during the last 24 months for existing customers as at 30 June 2014 are also included."]

{"sheet":"52","index":25,"n_rows":28,"n_cols":10,"rows_kept":28,"cut":false,"hidden":false,"merged":[[2,3,2,5],[2,7,2,9]]}
[null,"CREDIT RISK PORTFOLIO (continued)"]
[]
[null,"Commercial Banking forbearance"]
[null,null,null,null,null,"Direct Real Estate",null,"Other industry sector",null,"Total"]
[null,"At 30 June 2014",null,null,null,"£m",null,"£m",null,"£m"]
[]
[null,"Type of unimpaired forbearance"]
[null,"UK1 exposures > £5 million"]
[null,"Covenants",null,null,null,101,null,1000,null,1101]
[null,"Extensions",null,null,null,7,null,316,null,323]
[null,"Multiple",null,null,null,"-",null,272,null,272]
[null,null,null,null,null,{"$f":"SUM(F9:F11)","v":108},null,{"$f":"SUM(H9:H11)","v":1588},null,{"$f":"SUM(J9:J11)","v":1696}]
[null,"Exposures <£5 million and other non-UK1",null,null,null,null,null,null,null,407]
[null,"Total",null,null,null,null,null,null,null,{"$f":"SUM(J12:J13)","v":2103}]
[]
[]
[null,"At 31 December 2013"]
[]
[null,"Type of unimpaired forbearance:"]
[null,"UK1 exposures > £5 million"]
[null,"Covenants",null,null,null,527,null,488,null,1015]
[null,"Extensions",null,null,null,69,null,254,null,323]
[null,"Multiple",null,null,null,"-",null,316,null,316]
[null,null,null,null,null,{"$f":"SUM(F21:F23)","v":596},null,{"$f":"SUM(H21:H23)","v":1058},null,{"$f":"SUM(J21:J23)","v":1654}]
[null,"Exposures <£5 million and other non-UK1",null,null,null,null,null,null,null,778]
[null,"Total",null,null,null,null,null,null,null,{"$f":"SUM(J24:J25)","v":2432}]
[]
[1,"Based on location of the office recording the transaction."]

{"sheet":"53","index":26,"n_rows":17,"n_cols":10,"rows_kept":17,"cut":false,"hidden":false,"merged":[[4,2,4,3],[4,5,4,6],[4,8,4,9],[14,1,14,9],[15,1,15,9]]}
[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,null,{"$f":"\"30 June\"","v":"30 June"},{"$f":"\"31 Dec\"","v":"31 Dec"},null,{"$f":"\"30 June\"","v":"30 June"},{"$f":"\"31 Dec\"","v":"31 Dec"},null,{"$f":"\"30 June\"","v":"30 June"},{"$f":"\"31 Dec\"","v":"31 Dec"}]
[null,null,2014,2013,null,2014,2013,null,2014,2013]
[null,null,"£m","£m",null,"£m","£m",null,"%","%"]
[]
[null,"Consumer Credit Cards2",258,326,null,137,188,null,26.7,21.9]
[null,"Asset Finance3",81,105,null,65,85,null,24.1,28.1]
[]
[]
[1,"£137 million of forborne loans and advances (Consumer Credit Cards: £121 million, Asset Finance: £16 million) were not impaired at 30 June 2014 (31 December 2013: Consumer Credit Cards: £138 million, Asset Finance: £20 million)."]
[2,"Includes temporary treatments where the customer is currently benefitting from the change or the treatment has ended within the last six months. Permanent changes which commenced during the last 24 months for existing customers as at 30 June 2014 are also included."]
[3,"Includes retail accounts that are currently on a forbearance treatment and capitalisation of arrears which commenced during the previous 12 months. "]

{"sheet":"54","index":27,"n_rows":18,"n_cols":13,"rows_kept":18,"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,null,{"$f":"\"30 June\"","v":"30 June"},null,{"$f":"\"31 Dec\"","v":"31 Dec"},null,{"$f":"\"30 June\"","v":"30 June"},null,{"$f":"\"31 Dec\"","v":"31 Dec"},null,{"$f":"\"30 June\"","v":"30 June"},null,{"$f":"\"31 Dec\"","v":"31 Dec"}]
[null,null,2014,null,2013,null,2014,null,2013,null,2014,null,2013]
[null,"Ireland Secured lending:","£m",null,"£m",null,"£m",null,"£m",null,"£m",null,"£m"]
[null,"Temporary forbearance arrangements"]
[null,"Reduced payment arrangements2",223,null,254,null,203,null,227,null,50.3,null,49.8]
[null,"Permanent treatments"]
[null,"Repair and term extensions3",445,null,473,null,85,null,102,null,15.5,null,14.4]
[null,"Total",{"$f":"C11+C13","v":668},null,{"$f":"E11+E13","v":727},null,{"$f":"G11+G13","v":288},null,{"$f":"I11+I13","v":329},null,27.2,null,26.7]
[]
[1,"£380 million of current and recent forborne loans and advances were not impaired at 30 June 2014 (31 December 2013: £398 million)."]
[2,"Includes customers who had an arrangement to pay less than the contractual amount at 30 June 2014 or where an arrangement ended within the previous three months."]
[3,"Includes capitalisation of arrears and term extensions which commenced during the previous 24 months and remaining as customers at 30 June 2014."]

{"sheet":"55","index":28,"n_rows":15,"n_cols":10,"rows_kept":15,"cut":false,"hidden":false,"merged":[]}
[null,"Run-off forbearance (continued)"]
[]
[null,null,null,null,null,"Direct Real Estate",null,"Other industry sector",null,"Total"]
[null,"At 30 June 2014",null,null,null,"£m",null,"£m",null,"£m"]
[]
[null,"Type of unimpaired forbearance"]
[null,"UK1 exposures > £5 million"]
[null,"Covenants",null,null,null,11,null,0,null,11]
[null,"Extensions",null,null,null,0,null,45,null,45]
[null,"Multiple",null,null,null,24,null,58,null,82]
[null,null,null,null,null,35,null,103,null,138]
[null,"Exposures <£5 million and other non-UK1",null,null,null,null,null,null,null,6]
[null,"Total",null,null,null,null,null,null,null,144]
[]
[1,"Based on location of the office recording the transaction."]

{"sheet":"57","index":29,"n_rows":42,"n_cols":11,"rows_kept":42,"cut":false,"hidden":false,"merged":[[1,2,3,2],[1,4,3,4],[1,6,3,6],[1,7,3,7],[40,1,40,7],[41,1,41,7],[42,1,42,7],[34,1,34,7],[35,1,35,7],[36,1,36,7],[37,1,37,7],[38,1,38,7],[39,1,39,7]]}
[null,"FUNDING AND LIQUIDITY MANAGEMENT"]
[null,null,null,"At ",null,"At ",null,"Change "]
[null,"Group funding position",null,"30 June ",null,"31 Dec "]
[null,null,null,2014,null,2013]
[null,null,null,"£bn ",null,"£bn ",null,"% "]
[]
[null,"Funding requirement"]
[null,"Loans and advances to customers1",null,487.1,"",495.2,"",{"$f":"((D8-F8)/F8)*100","v":-1.6357027463650982},null,null,{"$f":"IF(IF(E8=\"\",TRUE,IF(CODE(E8)=150,TRUE,FALSE)),\"\",VALUE(SUBSTITUTE(E8,CHAR(160),\"\")))","v":""}]
[null,"Loans and advances to banks2",null,3.9,"",5.0999999999999996,"",{"$f":"((D9-F9)/F9)*100","v":-23.52941176470588},null,null,""]
[null,"Debt securities",null,1.3,"",1.4,"",-7.1428571428571344,null,null,""]
[null,"Reverse repurchase agreements",null,3.2,"",0.2,"",null,null,null,""]
[null,"Available-for-sale financial assets – secondary3",null,6.7,"",4.4000000000000004,"",52.272727272727259,null,null,""]
[null,"Cash balances4",null,3.4,"",3.9,"",-12.820512820512823,null,null,""]
[null,"Funded assets",null,{"$f":"SUM(D8:D13)","v":505.59999999999997},"",{"$f":"SUM(F8:F13)","v":510.19999999999993},"",-0.90160721285769629,null,null,""]
[null,"Other assets5",null,249.3,"",248.6,"","-",null,null,""]
[null,null,null,{"$f":"SUM(D14:D15)","v":754.9},"",{"$f":"SUM(F14:F15)","v":758.8},"",-0.51396942540853685,null,null,""]
[null,"On balance sheet primary liquidity assets6",null,null,"",null,"",null,null,null,""]
[null,"Reverse repurchase agreements",null,3.6,"",0.1,"",null,null,null,""]
[null,"Balances at central banks – primary4",null,47.4,"",46,"",3.0434782608695623,null,null,""]
[null,"Available-for-sale financial assets – primary",null,43.6,"",39.6,"",10.1010101010101,null,null,""]
[null,"Trading and fair value through profit and loss",null,-5.6,"",3.1,"",null,null,null,""]
[null,"Repurchase agreements",null,0,"",-0.6,"",null,null,null,""]
[null,null,null,{"$f":"SUM(D18:D22)","v":89},"",{"$f":"SUM(F18:F22)","v":88.2},"",0.9070294784580466,null,null,""]
[null,"Total Group assets",null,{"$f":"+D16+D23","v":843.9},"",{"$f":"+F16+F23","v":847},"","-",null,null,{"$f":"IF(IF(E24=\"\",TRUE,IF(CODE(E24)=150,TRUE,FALSE)),\"\",VALUE(SUBSTITUTE(E24,CHAR(160),\"\")))","v":""}]
[null,"Less: Other liabilities5",null,-232.3,"",-227.5,"",{"$f":"((D25-F25)/F25)*-100","v":-2.1098901098901148},null,null,""]
[null,"Funding requirement",null,{"$f":"SUM(D24:D25)","v":611.59999999999991},"",{"$f":"SUM(F24:F25)","v":619.5},"",-1.2752219531880695,null,null,""]
[null,"Funded by",null,null,"",null,"",null,null,null,""]
[null,"Customer deposits7",null,445.1,"",438.3,"",1.5514487793748599,null,null,""]
[null,"Wholesale funding8",null,119.5,"",137.6,"",-13.154069767441856,null,null,""]
[null,null,null,{"$f":"SUM(D28:D29)","v":564.6},"",{"$f":"SUM(F28:F29)","v":575.9},"",-1.9621462059385233,null,null,""]
[null,"Repurchase agreements",null,1.1000000000000001,"",4.3,"",-74.418604651162795,null,null,""]
[null,"Total equity",null,45.9,"",39.299999999999997,"",16.793893129771,null,null,""]
[null,"Total funding",null,{"$f":"SUM(D30:D32)","v":611.6},"",{"$f":"SUM(F30:F32)","v":619.49999999999989},"",-1.2752219531880331,null,null,""]
[]
[1,"Excludes £4.2 billion (31 December 2013: £0.1 billion) of reverse repurchase agreements."]
[2,"Excludes £15.1 billion (31 December 2013: £20.1 billion) of loans and advances to banks within the Insurance business and £2.6 billion (31 December 2013: £0.2 billion) of reverse repurchase agreements."]
[3,"Secondary liquidity assets comprise a diversified pool of highly rated unencumbered collateral (including retained issuance)."]
[4,"Cash balances and balances at central banks – primary are combined in the Group’s balance sheet."]
[5,"Other assets and other liabilities primarily include balances in the Group’s Insurance business and the fair value of derivative assets and liabilities."]
[6,"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."]
[7,"Excluding repurchase agreements at 31 December 2013 of £3.0 billion. At 30 June 2014: £nil."]
[8,"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":"58","index":30,"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 30 June 2014"]
[null,null,null,"Included in funding analysis (above) ",null,"Repos ",null,"Fair value and other accounting methods",null,"Balance sheet"]
[null,null,null,"£bn ",null,"£bn ",null,"£bn ",null,"£bn "]
[]
[null,"Deposits from banks",null,10.7,null,1.1000000000000001,null,0.1,null,11.899999999999999,null,null,""]
[null,"Debt securities in issue",null,82.2,null,0,null,-4.5,null,77.7]
[null,"Subordinated liabilities",null,26.6,null,0,null,-0.9,null,25.700000000000003]
[null,"Total wholesale funding",null,119.5,null,1.1000000000000001]
[null,"Customer deposits",null,445.1,null,0,null,0,null,445.1]
[null,"Total",null,564.6,null,1.1000000000000001]
[]
[null,"At 31 December 2013"]
[null,null,null,"Included in funding analysis (above) ",null,"Repos ",null,"Fair value and other accounting methods",null,"Balance sheet"]
[null,null,null,"£bn ",null,"£bn ",null,"£bn ",null,"£bn "]
[]
[null,"Deposits from banks",null,12.1,"",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,"",1.9,"",null,""]
[null,"Customer deposits",null,438.3,"",3,"",0,"",441.3]
[null,"Total",null,575.9,"",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 30 June 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,7.6,null,1.4,null,0.5,null,0.2,null,0.1,null,0.2,null,0.2,null,0.5,null,10.699999999999998,"",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,2.1,null,1.6,null,1.3,null,0.9,null,0.9,null,0,null,0,null,0,null,6.8000000000000007,"",9]
[null,"Commercial paper",null,3.5,null,1.3,null,0.7,null,0.2,null,0,null,0,null,0,null,0,null,5.7,"",4.8]
[null,"Medium-term notes1",null,0.1,null,0.8,null,1.4,null,1.6,null,1.1000000000000001,null,6.3,null,6.2,null,9,null,26.5,"",29.1]
[null,"Covered bonds",null,0,null,0.9,null,2,null,1,null,0,null,2.7,null,9.1999999999999993,null,12.1,null,27.9,"",29.4]
[null,"Securitisation",null,0.1,null,0,null,3.1,null,1.4,null,2,null,5.6,null,2.4,null,0.7,null,15.299999999999999,"",19.3]
[null,null,null,5.7999999999999989,null,4.6000000000000005,null,8.5,null,5.0999999999999996,null,4,null,14.6,null,17.799999999999997,null,21.8,null,82.2,"",91.600000000000009]
[null,"Subordinated liabilities",null,0.6,null,0,null,0.6,null,1.2,null,1.3,null,1.3,null,6.1,null,15.5,null,26.6,"",33.9]
[null,"Total wholesale funding2",null,13.999999999999998,null,6,null,9.6,null,6.5,null,5.3999999999999995,null,16.099999999999998,null,24.099999999999994,null,37.799999999999997,null,119.49999999999999,"",137.6]
[]
[1,"Medium-term notes include funding from the National Loan Guarantee Scheme (30 June 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":"59","index":31,"n_rows":35,"n_cols":12,"rows_kept":35,"cut":false,"hidden":false,"merged":[[33,1,33,6],[34,1,34,5]]}
[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,0.7,null,0,null,0,null,0,null,0.7]
[null,"Medium-term notes",null,0,null,0,null,0,null,0,null,0]
[null,"Covered bonds",null,1,null,0,null,0.8,null,0,null,1.8]
[null,"Private placements1",null,0.3,null,0.5,null,0.4,null,0.2,null,1.4000000000000001]
[null,"Total issuance",null,2,null,0.5,null,1.2000000000000002,null,0.2,null,3.9000000000000004]
[]
[1,"Private placements include structured bonds and term repurchase agreements (repos)."]
[]
[]
[]
[]
[]
[null,"Encumbered assets "]
[]
[null,null,null,"Notes issues",null,"Assets encumbered"]
[null,null,null,"£bn",null,"£bn"]
[null,"At 30 June 2014"]
[null,"Securitisations1",null,14.6,null,26.7]
[null,"Covered bonds2",null,29.4,null,42.5]
[null,"Total",null,44,null,69.2]
[]
[null,"At 31 December 2013"]
[null,"Securitisations1",null,18.600000000000001,null,31.6]
[null,"Covered bonds2",null,30.7,null,49.6]
[null,"Total",null,49.3,null,81.2]
[]
[]
[1,"In addition the Group retained internally £38.9 billion (31 December 2013: £38.3 billion) of notes secured with £50.4 billion (31 December 2013: £49.3 billion) of assets."]
[2,"In addition the Group retained internally £7.0 billion (31 December 2013: £7.6 billion) of notes secured with £11.7 billion (31 December 2013: £12.5 billion) of assets."]

{"sheet":"60","index":32,"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 30 June",null,"At 31 Dec",null,"Average",null,"Average"]
[null,null,null,2014,null,2013,null,2014,null,2013]
[null,null,null,"£bn ",null,"£bn ",null,"£bn ",null,"£bn "]
[]
[null,"Central bank cash deposits",null,47.4,"",46,"",64.7,"",69.400000000000006]
[null,"Government bonds/MDB bonds1",null,44.9,"",43.3,"",42.4,"",28.2]
[null,"Total",null,{"$f":"SUM(D8:D9)","v":92.3},"",{"$f":"SUM(F8:F9)","v":89.3},"",{"$f":"SUM(H8:H9)","v":107.1},"",{"$f":"SUM(J8:J9)","v":97.600000000000009}]
[]
[null,"Secondary liquidity"]
[null,null,null,"At 30 June",null,"At 31 Dec",null,"Average",null,"Average"]
[null,null,null,2014,null,2013,null,2014,null,2013]
[null,null,null,"£bn ",null,"£bn ",null,"£bn ",null,"£bn "]
[]
[null,"High-quality ABS/covered bonds2",null,7,"",1.4,"",2.8,"",2]
[null,"Credit institution bonds2",null,1.1000000000000001,"",0.4,"",1.4,"",1.2]
[null,"Corporate bonds2",null,0.3,"",0.1,"",0.2,"",0.1]
[null,"Own securities (retained issuance)",null,25,"",22.1,"",23,"",33.299999999999997]
[null,"Other securities",null,6.5,"",4.3,"",5,"",4.8]
[null,"Other3",null,79.3,"",77.099999999999994,"",76.2,"",75.2]
[null,"Total",null,{"$f":"SUM(D17:D22)","v":119.19999999999999},"",{"$f":"SUM(F17:F22)","v":105.39999999999999},"",{"$f":"SUM(H17:H22)","v":108.6},"",{"$f":"SUM(J17:J22)","v":116.6}]
[null,null,null,null,"","","","","",""]
[null,"Total liquidity",null,{"$f":"+D23+D10","v":211.5},"",{"$f":"+F23+F10","v":194.7},"","","",""]
[]
[]
[1,"Designated multilateral development bank (MDB)."]
[2,"Assets rated A- or above."]
[3,"Includes other central bank eligible assets."]

{"sheet":"62","index":33,"n_rows":51,"n_cols":12,"rows_kept":51,"cut":false,"hidden":false,"merged":[[3,5,5,5],[50,1,50,10]]}
[null,"CAPITAL MANAGEMENT (continued)"]
[]
[null,null,null,null,"PRA transitional",null,null,null,"Fully loaded position"]
[null,"Capital resources"]
[null,null,null,null,"At 30 June",null,"At 31 Dec",null,"At 30 June",null,"At 31 Dec"]
[null,null,null,null,2014,null,"20131,2",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,39601,"",39191,null,39601,null,{"$f":"G10","v":39191},{"$f":"IF(IF(H10=\"\",TRUE,IF(CODE(H10)=150,TRUE,FALSE)),\"\",VALUE(SUBSTITUTE(H10,CHAR(160),\"\")))","v":""}]
[null,null,"Deconsolidation of insurance entities",null,-1511,"",-1367,null,-1511,null,-1367]
[null,null,"Adjustment for own credit ",null,165,"",185,null,165,null,185]
[null,"Regulatory adjustments to non-controlling interests ","Cash flow hedging reserve",null,705,"",1055,null,705,null,1055]
[null,"Defined benefit pension adjustment ","Other adjustments",null,535,"",133,null,535,null,133]
[null,null,null,null,{"$f":"SUM(E10:E14)","v":39495},"",{"$f":"SUM(G10:G14)","v":39197},null,{"$f":"SUM(I10:I14)","v":39495},null,39197]
[null,null,null,null,null,""]
[]
[null,"less: deductions from common equity tier 1 ",null,null,null,"","",null,null,"",""]
[null,"Goodwill and other intangible assets",null,null,-1966,"",-1979,null,-1966,"",-1979]
[null,"Excess of expected losses over impairment provisions and value adjustments",null,null,-714,"",-866,null,-714,"",-866]
[null,"Removal of defined benefit pension surplus ",null,null,-274,"",-78,null,-274,"",-78]
[null,"Securitisation deductions",null,null,-148,"",-141,null,-148,"",-141]
[null,"Significant investments",null,null,-2787,"",-2890,null,-2959,"",-3090]
[null,"Deferred tax assets",null,null,-4934,null,-5025,null,-5009,null,-5118]
[null,"Common equity tier 1 capital",null,null,{"$f":"SUM(E19:E24)+E15","v":28672},null,{"$f":"SUM(G19:G24)+G15","v":28218},null,{"$f":"SUM(I19:I24)+I15","v":28425},null,{"$f":"SUM(K19:K24)+K15","v":27925}]
[]
[null,"Additional tier 1"]
[null,"Additional tier 1 instruments",null,null,9477,null,4486,null,5329,null,0]
[null,"less: deductions from tier 1"]
[null,"Significant investments",null,null,-677,null,-677,null,0,null,0]
[null,"Total tier 1 capital",null,null,{"$f":"+E25+E28+E30","v":37472},null,{"$f":"+G25+G28+G30","v":32027},null,{"$f":"+I25+I28+I30","v":33754},null,{"$f":"+K25+K28+K30","v":27925}]
[]
[null,"Tier 2 "]
[null,"Tier 2 instruments",null,null,13639,"",19870,null,10623,"",15636]
[null,"Eligible provisions",null,null,522,"",349,null,522,"",349]
[null,"Less: deductions from tier 2",null,null,null,"","",null,null,"",""]
[null,"Significant investments",null,null,-1015,"",-1015,null,-1692,"",-1692]
[null,"Total capital resources",null,null,{"$f":"+E31+E34+E35+E37","v":50618},"",{"$f":"+G31+G34+G35+G37","v":51231},null,{"$f":"+I31+I34+I35+I37","v":43207},"",{"$f":"+K31+K34+K35+K37","v":42218}]
[null,null,null,null,null,"","",null,null,"",""]
[]
[null,"Risk-weighted assets",null,null,257370,"",272641,null,256752,"",271908]
[]
[null,"Common equity tier 1 capital ratio ",null,null,0.111,null,0.10299999999999999,null,0.111,null,0.10299999999999999]
[null,"Tier 1 capital ratio ",null,null,0.14599999999999999,null,0.11700000000000001,null,0.13100000000000001,null,0.10299999999999999]
[null,"Total capital ratio ",null,null,0.19700000000000001,null,0.188,null,0.16800000000000001,null,0.155]
[]
[]
[]
[]
[1,"31 December 2013 comparatives reflect PRA transitional rules as at 1 January 2014."]
[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 RWAs on transitional rules were £272.1 billion."]

{"sheet":"63","index":34,"n_rows":28,"n_cols":10,"rows_kept":28,"cut":false,"hidden":false,"merged":[[27,1,27,9]]}
[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 shareholders",null,574,null,null,null,null,null,574]
[null,"Adjustment to above re December 13 pro forma",null,-202,null,null,null,null,null,-202]
[null,"Pension movements:"]
[null,"Deduction of pension asset",null,-196,null,null,null,null,null,-196]
[null,"Movement through other comprehensive income",null,-479,null,null,null,null,null,-479]
[null,"Available-for-sale reserve",null,423,null,null,null,null,null,423]
[null,"Deferred tax asset",null,91,null,null,null,null,null,91]
[null,"Goodwill and intangible assets deductions",null,13,null,null,null,null,null,13]
[null,"Excess of expected losses over impairment provisions and value adjustments",null,152,null,null,null,null,null,152]
[null,"Significant investment deduction",null,103,null,null,null,null,null,103]
[null,"Eligible provisions",null,null,null,null,null,173,null,173]
[null,"Subordinated debt movements:"]
[null,"Restucturing to ensure CRD IV compliance",null,null,null,5329,null,-4006,null,1323]
[null,"Foreign exchange",null,null,null,-116,null,-423,null,-539]
[null,"Repurchases, redemptions and other ",null,null,null,-222,null,-1802,null,-2024]
[null,"Other movements",null,-25,null,null,null,null,null,-25]
[null,"At 30 June 2014",null,28672,null,8800,null,13146,null,50618]
[]
[]
[]
[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."]

{"sheet":"64-65","index":35,"n_rows":62,"n_cols":12,"rows_kept":62,"cut":false,"hidden":false,"merged":[]}
[null,"CAPITAL MANAGEMENT (continued)"]
[]
[null,"Risk-weighted assets"]
[null,null,null,"PRA Transitional rules",null,null,null,"Prevailing rules "]
[null,null,null,"At 30 June ",null,"At 31 Dec ",null,"At 31 Dec "]
[null,null,null,2014,null,2013,null,2013]
[null,"Divisional analysis of risk-weighted assets:",null,"£m ",null,"£m ",null,"£m"]
[]
[null,"Retail",null,70800,null,72948,null,73063]
[null,"Consumer Finance",null,21524,null,20136,null,20136]
[null,"Commercial Banking",null,114023,null,123951,null,120843]
[null,"Group Operations and Central items",null,10719,null,7743,null,13316]
[null,"TSB1",null,4806,null,5591,null,5800]
[null,"Run-off",null,24221,null,30569,null,30692]
[null,"Underlying risk-weighted assets ",null,246093,null,260938,null,263850]
[null,"Threshold risk-weighted assets",null,11277,null,11154,null,0]
[null,"Total risk-weighted assets",null,257370,null,272092,null,263850]
[null,"Movement to fully loaded risk-weighted assets",null,-618,null,-1014,null,0]
[null,"Fully loaded CRD IV risk-weighted assets",null,256752,null,271078,null,263850]
[]
[]
[null,"Risk type analysis of risk-weighted assets:",null,"","",""]
[null,"Foundation Internal Ratings Based (IRB) Approach",null,79274,"",84882,null,82870]
[null,"Retail IRB Approach",null,78796,"",83815,null,85139]
[null,"Other IRB Approach",null,11590,"",9526,null,9221]
[null,"IRB approach",null,169660,"",178223,null,177230]
[null,"Standardised approach",null,31856,"",33819,null,41150]
[null,"Credit risk",null,201516,"",212042,null,218380]
[null,"Counterparty credit risk",null,10987,"",11220,null,7794]
[null,"Operational risk",null,26594,null,26594,null,26594]
[null,"Market risk",null,6996,"",11082,null,11082]
[null,"Underlying risk-weighted assets",null,246093,"",260938,null,263850]
[null,"Threshold risk-weighted assets",null,11277,"",11154,null,0]
[null,"Total risk-weighted assets",null,257370,"",272092,null,263850]
[null,"Movement to fully loaded risk-weighted assets",null,-618,"",-1014,null,0]
[null,"Fully loaded CRD IV risk-weighted assets",null,256752,"",271078,null,263850]
[]
[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,"TSB risk-weighted assets are on a Lloyds Banking Group reporting basis and differ to those reported by TSB as a standalone regulated entity."]
[]
[]
[]
[null,"Risk weighted asset movement by key driver",null,"Credit risk",null,"Counter party credit risk",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 1",null,212042,null,11220,null,11082,null,26594,null,260938]
[null,"Management of balance sheet",null,-107,null,-534,null,0,null,0,null,-641]
[null,"Disposals",null,-4598,null,-106,null,0,null,0,null,-4704]
[null,"External economic factors",null,-6381,null,-54,null,-867,null,0,null,-7302]
[null,"Model and methodology changes",null,421,null,461,null,-3219,null,0,null,-2337]
[null,"Regulatory policy change",null,0,null,0,null,0,null,0,null,0]
[null,"Other",null,139,null,0,null,0,null,0,null,139]
[null,"Risk-weighted assets",null,201516,null,10987,null,6996,null,26594,null,246093]
[null,"Threshold risk-weighted assets",null,null,null,null,null,null,null,null,null,11277]
[null,"Total risk-weighted assets",null,null,null,null,null,null,null,null,null,257370]
[null,"Movement to fully loaded risk-weighted assets",null,null,null,null,null,null,null,null,null,-618]
[null,"Fully loaded CRD IV risk-weighted assets at 30 June 2014",null,null,null,null,null,null,null,null,null,256752]
[]
[]
[1,"31 December 2013 comparatives have been restated in line with CRD IV rules as at 1 January 2014."]

{"sheet":"67","index":36,"n_rows":30,"n_cols":15,"rows_kept":30,"cut":false,"hidden":false,"merged":[[28,1,28,3],[13,1,13,2],[1,4,1,5],[1,6,1,7],[29,1,29,5]]}
[null,"CAPITAL MANAGEMENT (continued)"]
[null,"At 30 June 2014",null,null,"Fully loaded"]
[null,null,null,null,null,"£m "]
[null,"Basel III rules for leverage ratio"]
[null,"Total tier 1 capital for leverage ratio1"]
[null,"Common equity tier 1 capital",null,null,null,28425,null,null,null,null,null,null,null,null,{"$f":"IF(IF(I6=\"\",TRUE,IF(CODE(I6)=150,TRUE,FALSE)),\"\",VALUE(SUBSTITUTE(I6,CHAR(160),\"\")))","v":""}]
[null,"Tier 1 subordinated debt",null,null,null,5329,null,null,null,null,null,null,null,null,""]
[null,"Total tier 1 capital",null,null,null,{"$f":"SUM(F6:F7)","v":33754},null,null,null,null,null,null,null,null,""]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,""]
[null,"Exposure measure2",null,null,null,null,null,null,null,null,null,null,null,null,""]
[null,"Total statutory balance sheet assets",null,null,null,843940,null,null,null,null,null,null,null,null,""]
[null,"Deconsolidation of assets related to Insurance entities",null,null,null,-145106]
[null,"Investment in Insurance entities",null,null,null,4666,null,null,null,null,null,null,null,null,""]
[null,"Removal of accounting value for derivatives and securities financing transactions",null,null,null,-67467,null,null,null,null,null,null,null,null,""]
[null,"Exposure measure for derivatives",null,null,null,24135,null,null,null,null,null,null,null,null,""]
[null,"Exposure measure for securities financing transactions",null,null,null,36619]
[null,"Off-balance sheet items",null,null,null,57389,null,null,null,null,null,null,null,null,""]
[null,"Other regulatory adjustments",null,null,null,-9890,null,null,null,null,null,null,null,null,""]
[null,"Total exposures",null,null,null,{"$f":"SUM(F11:F18)","v":744286}]
[]
[null,"Leverage ratio",null,null,null,4.4999999999999998E-2]
[null,"Pro forma leverage ratio at 31 December 2013",null,null,"",3.7999999999999999E-2,""]
[]
[null,"CRD IV rules for leverage ratio"]
[null,"Leverage ratio",null,null,null,4.2000000000000003E-2]
[null,"Pro forma leverage ratio at 31 December 2013",null,null,null,3.4000000000000002E-2]
[]
[]
[1,"Tier 1 capital is calculated in accordance with CRD IV rules."]
[2,"As required by the PRA, the exposure measure has been estimated in accordance with the revised Basel III leverage ratio framework issued in January 2014, as interpreted through the March 2014 Basel III Quantitative Impact Study instructions and related guidance."]

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