{"text_format":"1","workbook":"xlsx","n_sheets":13,"sheets":["Cover","Index","4","5","6","7","8","9","11","12","13","14","15"],"not_rendered":{"charts":0,"images":0,"macros":1,"external_links":0,"defined_names":25,"comments":0,"pivot_tables":0},"unopened":[],"bounds":{"document_bytes":16777216,"sheet_cells":100000,"rows_first":2000,"rows_last":500,"rows_between":2000,"halvings":0,"cell_chars":16384,"cell_head_chars":4096},"cells_cut":0,"cells_raw":0,"read":"whole","date_system":"1900"}

{"sheet":"Cover","index":0,"n_rows":16,"n_cols":3,"rows_kept":16,"cut":false,"hidden":false,"merged":[]}
[]
[]
[]
[]
[]
[]
[]
[null,null,"Q1 2014 INTERIM MANAGEMENT STATEMENT"]
[]
[]
[]
[null,null,"1 May 2014"]
[]
[]
[]
[null,null,"Excel downloads of relevant tables"]

{"sheet":"Index","index":1,"n_rows":13,"n_cols":10,"rows_kept":13,"cut":false,"hidden":false,"merged":[[0,1,2,10]]}
[null,"INDEX\nA FULL COPY OF THE 2014 Q1 INTERIM MANAGEMENT STATEMENT CAN BE FOUND AT:\nhttp://www.lloydsbankinggroup.com/investors/financial-performance/lloyds-banking-group/"]
["\n"]
[]
[]
[]
[]
[null,"Consolidated income statement",null,4,null,null,"Funding and liquidity",null,null,9]
[null,"Balance sheet and key ratios",null,4,null,null,"Statutory consolidated income statement",null,null,11]
[null,"Total underlying income",null,5,null,null,"Summary consolidated balance sheet",null,null,12]
[null,"Total costs",null,6,null,null,"Reconciliation between statutory and underlying basis",null,null,13]
[null,"Impairment",null,6,null,null,"Quarterly underlying basis",null,null,14]
[null,"Statutory profit",null,7,null,null,"Run-off portfolio",null,null,14]
[null,"Capital ratios and risk-weighted assets",null,8,null,null,"Transitional capital ratios",null,null,15]

{"sheet":"4","index":2,"n_rows":57,"n_cols":12,"rows_kept":57,"cut":false,"hidden":false,"merged":[[55,1,55,12],[54,1,54,11],[2,6,4,6],[2,12,4,12],[34,14,36,14],[2,4,4,4],[2,10,4,10],[2,8,4,8],[34,12,36,12]]}
[null,"UNDERLYING BASIS CONSOLIDATED INCOME STATEMENT"]
[]
[null,null,null,"Three months ended",null,"Three months ended",null,null,null,"Three months ended"]
[null,null,null,"2013-03-31",null,"2013-03-31",null,null,null,"2013-12-31"]
[null,null,null,2014,null,2013,null,"Change",null,2013,null,"Change"]
[null,null,null,"£ million",null,"£ million",null,"%",null,"£ million",null,"%"]
[]
[null,"Net interest income",null,2811,null,2552,null,10.148902821316614,null,2918,null,-3.666895133653187]
[null,"Other income",null,1718,null,1857,null,-7.4851911685514265,null,1754,null,-2.0524515393386547]
[null,"Total underlying income excluding St. James's Place",null,4529,null,4409,null,2.7217056021773645,null,4672,null,-3.0607876712328768]
[null,"St. James's Place",null,0,null,480,null,null,null,114]
[null,"Total underlying income",null,4529,null,4889,null,-7.3634690120679078,null,4786,null,-5.3698286669452564]
[null,"Total costs",null,-2298,null,-2408,null,4.5681063122923593,null,-2525,null,8.9900990099009892]
[null,"Impairment ",null,-431,null,-1002,null,56.986027944111775,null,-521,null,17.274472168905948]
[null,"Underlying profit",null,1800,null,1479,null,21.703853955375255,null,1740,null,3.4482758620689653]
[null,"Asset sales, liability management and volatile items",null,120,null,1073,null,null,null,-468]
[null,"Simplification and TSB costs",null,-466,null,-409,null,null,null,-323]
[null,"Legacy items",null,0,null,0,null,null,null,-2130]
[null,"Other items",null,-85,null,-103,null,null,null,-98]
[null,"Profit (loss) before tax – statutory",null,1369,null,2040,null,null,null,-1279]
[null,"Taxation",null,-207,null,-500,null,null,null,197]
[null,"Profit (loss) for the period",null,1162,null,1540,null,null,null,-1082]
[null,null,null,null,null,null,null," "]
[null,"Earnings (loss) per share",null,1.6,null,2.2000000000000002,null,"(0.6)p",null,"(1.5)p",null,"3.1p"]
[]
[null,"Banking net interest margin",null,2.3239699402230724E-2,null,1.9599999999999999E-2,null,"36bp",null,2.29E-2,null,"3bp"]
[null,"Average interest-earning assets ",null,491.46114259113881,null,520.29999999999995,null,-5.5427363845591291,null,501.9,null,-2.0798679834351801]
[null,"Cost:income ratio (excluding St. James's Place)",null,0.50739677633031577,null,0.53600000000000003,null,"(2.9)pp",null,0.54,null,"(3.3)pp"]
[null,"Asset quality ratio",null,3.4597357790525562E-3,null,8.0000000000000002E-3,null,"(45)bp",null,4.0000000000000001E-3,null,"(5)bp"]
[null,"Return on risk-weighted assets",null,2.7068979407688872E-2,null,1.9599999999999999E-2,null,"75bp",null,2.5499999999999998E-2,null,"16bp"]
[null,null,null,null,null,null,null,null,null,null,null," "]
[]
[null,"BALANCE SHEET AND KEY RATIOS"]
[]
[null,null,null,null,null,null,null,"At",null,"At"]
[null,null,null,null,null,null,null,"2013-03-31",null,"2013-12-31",null,"Change"]
[null,null,null,null,null,null,null,2014,null,2013,null,"%"]
[]
[null,"Loans and advances to customers1",null,null,null,null,null,490.58699999999999,null,495.2,null,-0.93154281098546032]
[null,"Customer deposits2",null,null,null,null,null,443.60200000000003,null,438.3,null,1.2096737394478716]
[null,"Loan to deposit ratio",null,null,null,null,null,1.1059170157032654,null,1.1299999999999999,null,"(2)pp"]
[null,"Total assets",null,null,null,null,null,842.4,null,847,null,-0.5430932703660003]
[null,"Run-off assets",null,null,null,null,null,29.700000000000003,null,33.299999999999997,null,-10.810810810810795]
[null,"Wholesale funding",null,null,null,null,null,129.96755880220448,null,137.6,null,-5.5468322658397646]
[null,"Wholesale funding < 1 year maturity",null,null,null,null,null,42,null,44.2,null,-4.977375565610866]
[null,"Risk-weighted assets3",null,null,null,null,null,267.22052977200406,null,272.10000000000002,null,-1.7932635898551879]
[null,"Pro forma fully loaded common equity tier 1 ratio4",null,null,null,null,null,0.107,null,0.10299999999999999,null,"0.4pp"]
[null,"Pro forma fully loaded Basel III leverage ratio4,5",null,null,null,null,null,4.4999999999999998E-2,null,3.7999999999999999E-2,null,"0.7pp"]
[null,"Pro forma fully loaded CRD IV leverage ratio4",null,null,null,null,null,4.1000000000000002E-2,null,3.4000000000000002E-2,null,"0.7pp"]
[null,null,null,null,null,null,null,null,null,null,null," "]
[null,"Net tangible assets per share",null,null,null,null,null,"50.7p",null,"48.5p",null,"2.2p"]
[]
[1,"Excludes reverse repos of £nil billion (31 December 2013: £0.1 billion)."]
[2,"Excludes repos of £2.9 billion (31 December 2013: £3.0 billion)."]
[3,"31 December comparatives have been restated to reflect the impact of CRD IV rules as at 1 January 2014.  Risk-weighted assets previously quoted under rules prevailing at 31 December 2013 were £263.9 billion."]
[4,"31 March 2014 pro forma ratios include the impact of AT1 issuance, pension curtailment and an additional dividend from Insurance, following the completed sale of Heidelberger Leben in March 2014.  31 December 2013 pro forma ratios included the benefit of the sales of Heidelberger Leben, Scottish Widows Investment Partnership and our 50 per cent stake in Sainsbury’s Bank."]
[5,"Estimated in accordance with January 2014 revised Basel III leverage ratio framework."]

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[null,"TOTAL UNDERLYING INCOME"]
[]
[null,null,null,"Three months ended",null,"Three months ended",null,null,null,"Three months ended"]
[null,null,null,"2013-03-31",null,"2013-03-31",null,null,null,"2013-12-31"]
[null,null,null,2014,null,2013,null,"Change",null,2013,null,"Change"]
[null,null,null,"£ million",null,"£ million",null,"%",null,"£ million",null,"%"]
[]
[null,"Net interest income",null,2811,null,2552,null,10.148902821316614,null,2918,null,-3.666895133653187]
[null,"Other income",null,1718,null,1857,null,-7.4851911685514265,null,1754,null,-2.0524515393386547]
[null,"Total underlying income excluding St. James's Place",null,4529,null,4409,null,2.7217056021773645,null,4672,null,-3.0607876712328768]
[null,"St. James's Place",null,0,null,480,null,null,null,114]
[null,"Total underlying income",null,4529,null,4889,null,-7.3634690120679078,null,4786,null,-5.3698286669452564]
[]
[]
[null,"Banking net interest margin",null,2.3239699402230724E-2,null,1.9599999999999999E-2,null,"36bp",null,2.29E-2,null,"3bp"]
[null,"Average interest-earning banking assets",null,491.46114259113881,null,520.29999999999995,null,-5.5427363845591291,null,501.9,null,-2.0798679834351801]
[null,"Loan to deposit ratio",null,1.1059170157032654,null,1.19,null,"(8)pp",null,1.1299999999999999,null,"(2)pp"]

{"sheet":"6","index":4,"n_rows":25,"n_cols":12,"rows_kept":25,"cut":false,"hidden":false,"merged":[[2,6,4,6],[2,2,3,2],[2,4,4,4],[2,10,4,10],[2,8,4,8],[16,6,18,6],[16,2,18,2],[16,10,18,10],[16,8,18,8],[16,4,18,4]]}
[null,"TOTAL COSTS"]
[]
[null,null,null,"Three months ended",null,"Three months ended",null,null,null,"Three months ended"]
[null,null,null,"2013-03-31",null,"2013-03-31",null,null,null,"2013-12-31"]
[null,null,null,2014,null,2013,null,"Change",null,2013,null,"Change"]
[null,null,null,"£ million",null,"£ million",null,"%",null,"£ million",null,"%"]
[]
[null,"Total costs",null,2298,null,2408,null,4.5681063122923593,null,2525,null,8.9900990099009892]
[null,"Cost:income ratio (excluding St. James's Place)",null,0.50739677633031577,null,0.5361760036289408,null,"(2.9)pp",null,0.54,null,"(3.3)pp"]
[null,"Cost:income ratio",null,0.50739677633031577,null,0.49299999999999999,null,"1.4pp",null,0.52800000000000002,null,"(2.1)pp"]
[null,"Simplification savings annual run-rate",null,1584,null,1007,null,57.298907646474674,null,1457,null,8.7165408373369928]
[null,null,null,null,null,null,null,null,null,null,null," "]
[]
[]
[null,"IMPAIRMENT"]
[]
[null,null,null,"Three months ended",null,"Three months ended",null,null,null,"Three months ended"]
[null,null,null,"2013-03-31",null,"2013-03-31",null,null,null,"2013-12-31"]
[null,null,null,2014,null,2013,null,"Change",null,2013,null,"Change"]
[null,null,null,"£ million",null,"£ million",null,"%",null,"£ million",null,"%"]
[]
[null,"Total impairment charge",null,431,null,1002,null,56.986027944111775,null,521,null,17.274472168905948]
[null,"Asset quality ratio",null,3.4597357790525562E-3,null,8.0000000000000002E-3,null,"(45)bp",null,4.0000000000000001E-3,null,"(5)bp"]
[null,"Group impaired loans as a % of closing advances",null,5.7000000000000002E-2,null,0.08,null,"(230)bp",null,6.3E-2,null,"(60)bp"]
[null,"Group provisions as a % of impaired loans",null,0.51100000000000001,null,0.51,null,"10bp",null,0.501,null,"100bp"]

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[null,"STATUTORY PROFIT"]
[]
[null,null,null,"Three months ended",null,"Three months ended",null,null,null,"Three months ended"]
[null,null,null,"2013-03-31",null,"2013-03-31",null,null,null,"2013-12-31"]
[null,null,null,2014,null,2013,null,"Change",null,2013,null,"Change"]
[null,null,null,"£ million",null,"£ million",null,"%",null,"£ million",null,"%"]
[]
[null,"Underlying profit",null,1800,null,1479,null,21.703853955375255,null,1740,null,3.4482758620689653]
[null,"Asset sales, liability management and volatile items:"]
[null,"Asset sales",null,126,null,47,null,null,null,-50]
[null,"Sale of government securities",null,0,null,776,null,null,null,1]
[null,"Liability management",null,0,null,-87,null,null,null,-45]
[null,"Own debt volatility",null,200,null,-19,null,null,null,-54]
[null,"Other volatile items",null,-2,null,-101,null,null,null,-214]
[null,"Volatility arising in insurance business",null,-64,null,462,null,null,null,31]
[null,"Fair value unwind",null,-140,null,-5,null,null,null,-137]
[null,null,null,120,null,1073,null,null,null,-468]
[]
[null,"Simplification and TSB costs:"]
[null,"Simplification costs",null,-294,null,-214,null,null,null,-222]
[null,"TSB costs",null,-172,null,-195,null,null,null,-101]
[null,null,null,-466,null,-409,null,null,null,-323]
[]
[null,"Legacy items:"]
[null,"Payment Protection Insurance provision",null,0,null,0,null,null,null,-1800]
[null,"Other regulatory provisions",null,0,null,0,null,null,null,-330]
[null,null,null,0,null,0,null,null,null,-2130]
[]
[null,"Other items:"]
[null,"Amortisation of purchased intangibles",null,-85,null,-103,null,null,null,-98]
[null,null,null,-85,null,-103,null,null,null,-98]
[]
[null,"Profit (loss) before tax - statutory",null,1369,null,2040,null,-32.892156862745097,null,-1279]
[null,"Taxation",null,-207,null,-500,null,null,null,197]
[null,"Profit (loss) for the period",null,1162,null,1540,null,-24.545454545454547,null,-1082]
[]
[null,"Earnings (loss) per share",null,"1.6p",null,"2.2p",null,"(0.6)p",null,"(1.5)p",null,"3.1p"]

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[null,"CAPITAL RATIOS AND RISK-WEIGHTED ASSETS"]
[]
[null,null,null,"At",null,"At"]
[null,null,null,"2013-03-31",null,"2013-12-31",null,"Change"]
[null,null,null,2014,null,2013,null,"%"]
[]
[null,"Pro forma fully loaded common equity tier 1 ratio1",null,0.107,null,0.10299999999999999,null,"0.4pp"]
[null,"Pro forma total capital ratio1,2",null,0.19500000000000001,null,0.188,null,"0.7pp"]
[null,"Pro forma fully loaded Basel III leverage ratio1,3",null,4.4999999999999998E-2,null,3.7999999999999999E-2,null,"0.7pp"]
[null,"Pro forma fully loaded CRD IV leverage ratio1",null,4.1000000000000002E-2,null,3.4000000000000002E-2,null,"0.7pp"]
[null,"Fully loaded common equity tier 1 capital ratio",null,0.108,null,0.1,null,"0.8pp"]
[null,"Risk-weighted assets2",null,267.2,null,272.10000000000002,null,-1.5435501653803914]
[null,"Shareholders' equity",null,40.6,null,39,null,4.1025641025641058]
[]
[]
[1,"31 March 2014 pro forma ratios included the impact of AT1 issuance, pension curtailment and an additional dividend from Insurance, following the completed sale of Heidelberger Leben in March 2014.  31 December 2013 pro forma ratios included the benefit of the sales of Heidelberger Leben, Scottish Widows Investment Partnership and our 50 per cent stake in Sainsbury’s Bank."]
[2,"31 December 2013 comparatives have been restated to reflect the impact of CRD IV rules as at 1 January 2014."]
[3,"Estimated in accordance with January 2014 revised Basel III leverage ratio framework."]

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[null,"FUNDING AND LIQUIDITY"]
[]
[null,null,null,"At",null,"At"]
[null,null,null,"2013-03-31",null,"2013-12-31"]
[null,null,null,2014,null,2013,null,"Change"]
[null,null,null,"£bn",null,"£bn",null,"%"]
[]
[null,"Loans and advances to customers1",null,490.58699999999999,null,495.2,null,-0.93154281098546032]
[null,"Loans and advances to customers (excluding run-off)1",null,465.5,null,467.5,null,"-"]
[null,"Run-off assets",null,29.7,null,33.299999999999997,null,-10.810810810810805]
[null,"Non-retail run-off assets",null,22,null,25,null,-12]
[null,"Funded assets",null,504,null,510.2,null,-1.2152097216777713]
[null,"Customer deposits2",null,443.60200000000003,null,438.3,null,1.2096737394478716]
[null,"Wholesale funding",null,130,null,137.6,null,-5.523255813953484]
[null,"Wholesale funding <1 year maturity",null,42,null,44.2,null,-4.977375565610866]
[null,"Of which money-market funding <1 year maturity3",null,18.8,null,21.3,null,-11.737089201877934]
[null,"Loan to deposit ratio",null,1.1059170157032654,null,1.1299999999999999,null,"(2)pp"]
[null,"Primary liquid assets",null,98.9,null,89.3,null,10.750279955207178]
[null,"On balance sheet LCR eligible liquid assets",null,95,null,88.9,null,6.8616422947131532]
[]
[]
[1,"Excludes reverse repos of £nil (31 December 2013: £0.1 billion)."]
[2,"Excludes repos of £2.9 billion (31 December 2013: £3.0 billion)."]
[3,"Excludes balances relating to margins of £2.4 billion (31 December 2013: £2.3 billion) and settlement accounts of £1.2 billion (31 December 2013: £1.3 billion)."]

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[null,"STATUTORY CONSOLIDATED INCOME STATEMENT (UNAUDITED)"]
[]
[null,null,null,"Three months ended",null,null,"Three months ended"]
[null,null,null,"2013-03-31",null,null,"2013-03-31"]
[null,null,null,2014,null,null,2013]
[null,null,null,"£ million",null,null,"£ million"]
[]
[null,"Interest and similar income",null,4922,null,null,5383]
[null,"Interest and similar expense",null,-2204,null,null,-4926]
[null,"Net interest income",null,2718,null,null,457]
[null,"Fee and commission income",null,939,null,null,1158]
[null,"Fee and commission expense",null,-293,null,null,-405]
[null,"Net fee and commission income",null,646,null,null,753]
[null,"Net trading income",null,1698,null,null,12893]
[null,"Insurance premium income",null,1996,null,null,2105]
[null,"Other operating income",null,506,null,null,1858]
[null,"Other income",null,4846,null,null,17609]
[null,"Total income",null,7564,null,null,18066]
[null,"Insurance claims",null,-2935,null,null,-12167]
[null,"Total income, net of insurance claims",null,4629,null,null,5899]
[null,"Regulatory provisions",null,0,null,null,0]
[null,"Other operating expenses",null,-2910,null,null,-3000]
[null,"Total operating expenses",null,-2910,null,null,-3000]
[null,"Trading surplus",null,1719,null,null,2899]
[null,"Impairment",null,-350,null,null,-859]
[null,"Profit before tax",null,1369,null,null,2040]
[null,"Taxation",null,-207,null,null,-500]
[null,"Profit for the period",null,1162,null,null,1540]
[]
[null,"Profit attributable to non-controlling interests",null,14,null,null,15]
[null,"Loss attributable to equity shareholders",null,1148,null,null,1525]
[null,"Profit for the period",null,1162,null,null,1540]
[null,"Basic earnings per share",null,"1.6p",null,null,"2.2p"]
[null,"Diluted earnings per share",null,"1.6p",null,null,"2.2p"]

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[null,"SUMMARY CONSOLIDATED BALANCE SHEET (UNAUDITED)"]
[]
[null,null,null,"At",null,"At"]
[null,null,null,"2013-03-31",null,"2013-12-31"]
[null,null,null,2014,null,2013]
[null,null,null,"£million",null,"£million"]
[null,"Assets"]
[null,"Cash and balances at central banks",null,51946,null,49915]
[null,"Trading and other financial assets at fair value through profit or loss",null,146272,null,142683]
[null,"Derivative financial instruments",null,29890,null,33125]
[null,"Loans and receivables:"]
[null,"Loans and advances to banks",null,19603,null,25365]
[null,"Loans and advances to customers",null,490583,null,495281]
[null,"Debt securities",null,1190,null,1355]
[null,null,null,511376,null,522001]
[null,"Available-for-sale financial assets",null,46048,null,43976]
[null,"Other assets",null,56878,null,55330]
[null,"Total assets",null,842410,null,847030]
[]
[null,"Liabilities"]
[null,"Deposits from banks",null,11916,null,13982]
[null,"Customer deposits",null,446531,null,441311]
[null,"Trading and other financial liabilities at fair value through profit or loss",null,50642,null,43625]
[null,"Derivative financial instruments",null,26530,null,30464]
[null,"Debt securities in issue",null,81723,null,87102]
[null,"Liabilities arising from insurance and investment contracts",null,111065,null,110758]
[null,"Subordinated liabilities",null,31814,null,32312]
[null,"Other liabilities",null,41225,null,48140]
[null,"Total liabilities",null,801446,null,807694]
[]
[null,"Shareholders' equity",null,40611,null,38989]
[null,"Non-controlling interests",null,353,null,347]
[]
[null,"Total equity and liabilities",null,842410,null,847030]

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[null,"RECONCILIATION BETWEEN STATUTORY AND UNDERLYING BASIS RESULTS"]
[]
[]
[null,null,null,null,null,null,null,null,null,"Removal of:"]
[null,"2014-03-31",null,"Lloyds Banking Group statutory",null,"Acquisition related and other items1",null,"Volatility arising in insurance businesses",null,"Insurance gross up",null,"Fair value unwind",null,"Underlying basis "]
[null,null,null,"£m",null,"£m",null,"£m",null,"£m",null,"£m",null,"£m"]
[]
[null,"Net interest income",null,2718,null,6,null,0,null,-62,null,149,null,2811]
[null,"Other income, net of insurance claims",null,1911,null,-328,null,64,null,32,null,39,null,1718]
[null,"Total underlying income",null,4629,null,-322,null,64,null,-30,null,188,null,4529]
[null,"Operating expenses",null,-2910,null,572,null,0,null,30,null,10,null,-2298]
[null,"Impairment",null,-350,null,-23,null,0,null,0,null,-58,null,-431]
[null,"Profit (loss)",null,1369,null,227,null,64,null,0,null,140,null,1800]
[]
[]
[]
[null,null,null,null,null,null,null,null,null,"Removal of:"]
[null,"2013-03-31",null,"Lloyds Banking Group statutory",null,"Acquisition related and other items2",null,"Volatility arising in insurance businesses",null,"Insurance gross up",null,"Fair value unwind",null,"Underlying basis "]
[null,null,null,"£m",null,"£m",null,"£m",null,"£m",null,"£m",null,"£m"]
[]
[null,"Net interest income",null,457,null,-39,null,0,null,1975,null,160,null,2553]
[null,"Other income, net of insurance claims",null,5442,null,-598,null,-462,null,-2034,null,-12,null,2336]
[null,"Total underlying income",null,5899,null,-637,null,-462,null,-59,null,148,null,4889]
[null,"Operating expenses",null,-3000,null,512,null,0,null,59,null,21,null,-2408]
[null,"Impairment",null,-859,null,21,null,0,null,0,null,-164,null,-1002]
[null,"Profit (loss)",null,2040,null,-104,null,-462,null,0,null,5,null,1479]
[]
[]
[]
[]
[1,"Comprises the effects of asset sales (gain of £126 million), volatile items (gain of £198 million), Simplification costs related to severance, IT and business costs of implementation (£294 million), EC mandated retail business disposal costs (£172 million) and the amortisation of purchased intangibles (£85 million)."]
[2,"Comprises the effects of asset sales (gain of £823 million), volatile items (loss of £120 million), liability management (loss of £87 million), Simplification costs (£214 million), EC mandated retail business disposal costs (£195 million) and the amortisation of purchased intangibles (£103 million)."]

{"sheet":"14","index":11,"n_rows":46,"n_cols":14,"rows_kept":46,"cut":false,"hidden":false,"merged":[]}
[null,"QUARTERLY MANAGEMENT BASIS INFORMATION"]
[]
[null,null,null,null,null,"Quarter",null,"Quarter",null,"Quarter",null,"Quarter",null,"Quarter"]
[null,null,null,null,null,"ended",null,"ended",null,"ended",null,"ended",null,"ended"]
[null,null,null,null,null,"2013-03-31",null,"2013-12-31",null,"2013-09-30",null,"2013-06-30",null,"2013-03-31"]
[null,null,null,null,null,2014,null,2013,null,2013,null,2013,null,2013]
[null,null,null,null,null,"£ million",null,"£ million",null,"£ million",null,"£ million",null,"£ million"]
[]
[null,"Net interest income",null,null,null,2811,null,2918,null,2761,null,2653,null,2553]
[null,"Other income",null,null,null,1718,null,1868,null,1794,null,1922,null,2336]
[null,"Total underlying income",null,null,null,4529,null,4786,null,4555,null,4575,null,4889]
[null,"Total underlying income excl. SJP",null,null,null,4529,null,4672,null,4537,null,4525,null,4409]
[null,"Total costs",null,null,null,-2298,null,-2525,null,-2361,null,-2341,null,-2408]
[null,"Impairment",null,null,null,-431,null,-521,null,-670,null,-811,null,-1002]
[null,"Underlying profit",null,null,null,1800,null,1740,null,1524,null,1423,null,1479]
[]
[null,"Banking net interest margin",null,null,null,2.3239699402230724E-2,null,2.29E-2,null,2.1700000000000001E-2,null,2.06E-2,null,1.9599999999999999E-2]
[null,"Asset quality ratio",null,null,null,3.4597357790525562E-3,null,4.0000000000000001E-3,null,5.1000000000000004E-3,null,5.7000000000000002E-3,null,8.0000000000000002E-3]
[null,"Return on risk-weighted assets",null,null,null,2.7068979407688872E-2,null,2.5499999999999998E-2,null,2.1399999999999999E-2,null,1.9300000000000001E-2,null,1.9599999999999999E-2]
[null,"Cost:income ratio (excl. SJP)",null,null,null,0.50700000000000001,null,0.54,null,0.52,null,0.51700000000000002,null,0.53600000000000003]
[null,"Cost:income ratio",null,null,null,0.50700000000000001,null,0.52800000000000002,null,0.51800000000000002,null,0.51200000000000001,null,0.49299999999999999]
[]
[]
[]
[]
[null,"RUN-OFF PORTFOLIO"]
[]
[]
[null,null,null,null,null,"Quarter"]
[null,null,null,null,null,"ended"]
[null,null,null,null,null,"2013-03-31"]
[null,"Run-off portfolio",null,null,null,2014]
[null,null,null,null,null,"£ million"]
[]
[null,"Net interest income",null,null,null,-29]
[null,"Other income",null,null,null,128]
[null,"Total underlying income",null,null,null,99]
[null,"Total underlying income excl. SJP",null,null,null,99]
[null,"Total costs",null,null,null,-102]
[null,"Impairment",null,null,null,-180]
[null,"Underlying loss",null,null,null,-183]
[]
[null,"Total assets",null,null,null,29.7]
[null,"Risk-weighted assets",null,null,null,29.4]
[]
[null,"Loan to deposit ratio (Group excl. run-off)",null,null,null,1.06]

{"sheet":"15","index":12,"n_rows":15,"n_cols":8,"rows_kept":15,"cut":false,"hidden":false,"merged":[[1,4,3,4],[1,6,3,6],[13,1,13,7]]}
[null,"TRANSITIONAL CAPITAL RATIOS"]
[null,null,null,"At",null,"At"]
[null,null,null,"2013-03-31",null,"2013-12-31",null,"Change"]
[null,null,null,2014,null,2013,null,"%"]
[null,"Common equity tier 1 capital ratio1",null,0.109,null,0.10100000000000001,null,{"$f":"(ROUND((D5-F5)*100,2))&\"pp\"","v":"0.8pp"}]
[null,"Tier 1 capital ratio1",null,0.123,null,0.115,null,{"$f":"(ROUND((D6-F6)*100,2))&\"pp\"","v":"0.8pp"}]
[null,"Total capital ratio1",null,0.191,null,0.185,null,{"$f":"(ROUND((D7-F7)*100,2))&\"pp\"","v":"0.6pp"}]
[null,"Pro forma common equity tier 1 capital ratio1,2",null,0.108,null,0.10299999999999999,null,{"$f":"(ROUND((D8-F8)*100,2))&\"pp\"","v":"0.5pp"}]
[null,"Pro forma CRD IV leverage ratio1,2",null,4.5999999999999999E-2,null,0.04,null,{"$f":"(ROUND((D9-F9)*100,2))&\"pp\"","v":"0.6pp"}]
[null,"Pro forma Basel III leverage ratio2,3",null,5.0999999999999997E-2,null,4.3999999999999997E-2,null,"0.7pp"]
[]
[]
[1,"31 December 2013 comparatives have been restated to reflect the day 1 impact of CRD IV rules as at 1 January 2014. "]
[2,"31 March 2014 pro forma ratios included the impact of AT1 issuance, pension curtailment and an additional dividend from Insurance, following the completed sale of Heidelberger Leben in March 2014.  31 December 2013 pro forma ratios included the benefit of the sales of Heidelberger Leben, Scottish Widows Investment Partnership and our 50 per cent stake in Sainsbury’s Bank."]
[3,"Estimated in accordance with January 2014 revised Basel III leverage ratio framework."]