{"text_format":"1","workbook":"xlsx","n_sheets":11,"sheets":["Cover","Index","2","4","5","6","8-9","10","11","12","13"],"not_rendered":{"charts":0,"images":0,"macros":1,"external_links":1,"defined_names":58,"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,"LLOYDS BANKING GROUP plc"]
[null,null,"Q3 2014 RESULTS"]
[]
[]
[]
[null,null,"30 September 2014"]
[]
[]
[]
[null,null,"Excel downloads of relevant tables"]

{"sheet":"Index","index":1,"n_rows":14,"n_cols":10,"rows_kept":14,"cut":false,"hidden":false,"merged":[[0,1,2,10],[24,1,24,2]]}
[null,"INDEX\nA FULL COPY OF THE 2014 Q3 NEWS RELEASE CAN BE FOUND AT:\nhttp://www.lloydsbankinggroup.com/investors/financial-performance/lloyds-banking-group/"]
["\n"]
[]
[]
[]
[]
[null,"Consolidated income statement - underlying basis",null,2,null,null,"Statutory consolidated income statement",null,null,10]
[null,"Balance sheet and key ratios",null,2,null,null,"Summary consolidated balance sheet",null,null,11]
[null,"Total income",null,4,null,null,"Reconciliation between statutory and underlying basis results",null,null,12]
[null,"Total costs",null,5,null,null,"Quarterly underlying basis information",null,null,13]
[null,"Impairment",null,5]
[null,"Statutory profit",null,6]
[null,"Capital ratios",null,8]
[null,"Funding and liquidity",null,9]

{"sheet":"2","index":2,"n_rows":59,"n_cols":13,"rows_kept":59,"cut":false,"hidden":false,"merged":[[57,1,57,6]]}
[null,"CONSOLIDATED INCOME STATEMENT - UNDERLYING BASIS"]
[]
[]
[]
[null,null,null,"Nine months ended \n30 Sept 2014",null,"Nine months ended \n30 Sept 2013","Change",null,"Threee months ended \n30 Sept 2014",null,"Three months ended \n30 Sept 2013",null,"Change"]
[null,null,null,"£ million ",null,"£ million ","%",null,"£ million ",null,"£ million ",null,"%"]
[]
[null,"Net interest income",null,8838,null,7967,11,null,3034,null,2761,null,10]
[null,"Other income",null,5060,null,6052,-16,null,1612,null,1794,null,-10]
[null,"Total income",null,13898,null,14019,-1,null,{"$f":"SUM(I8:I9)","v":4646},null,{"$f":"SUM(K8:K9)","v":4555},null,2]
[null,"Total costs",null,-6907,null,-7110,3,null,-2232,null,-2361,null,5]
[null,"Impairment ",null,-1017,null,-2483,59,null,-259,null,-670,null,61]
[null,"Underlying profit",null,5974,null,4426,35,null,{"$f":"SUM(I10:I12)","v":2155},null,{"$f":"SUM(K10:K12)","v":1524},null,41]
[]
[null,"Asset sales and other items",null,-1753,null,188,null,null,-186,null,-709]
[null,"Simplification and TSB costs",null,-1064,null,-1194,null,null,-236,null,-408]
[null,"Legacy items",null,-2000,null,-1325,null,null,-900,null,-750]
[null,"Other items",null,457,null,-401,null,null,-82,null,-97]
[null,"Profit (loss) before tax – statutory",null,1614,null,1694,-5,null,{"$f":"SUM(I13:I18)","v":751},null,-440]
[null,"Taxation",null,-222,null,-1414,null,null,-58,null,-858]
[null,"Profit (loss) for the period",null,1392,null,280,null,null,{"$f":"SUM(I19:I20)","v":693},null,{"$f":"SUM(K19:K20)","v":-1298}]
[]
[null,"Earnings (loss) per share1",null,"1.7p",null,"0.4p","1.3p",null,"0.9p",null,"(1.8)p",null,"2.7p"]
[]
[null,"Banking net interest margin",null,2.4400000000000002E-2,null,2.06E-2,"38bp",null,2.5100000000000001E-2,null,2.1700000000000001E-2,null,"34bp"]
[null,"Average interest-earning banking assets",null,486.4,null,513.9,-5,null,"£481.8bn",null,"£507.9bn",null,-5]
[null,"Cost:income ratio 2",null,0.497,null,0.52500000000000002,"(2.8)pp",null,0.48,null,0.52,null,"(4.0)pp"]
[null,"Asset quality ratio",null,2.7000000000000001E-3,null,6.3E-3,"(36)bp",null,2E-3,null,5.1000000000000004E-3,null,"(31)bp"]
[null,"Return on risk-weighted assets",null,3.0499999999999999E-2,null,2.01E-2,"104bp",null,3.3700000000000001E-2,null,2.1399999999999999E-2,null,"123bp"]
[]
[null,"BALANCE SHEET AND KEY RATIOS"]
[]
[null,null,null,null,null,null,null,null,"At  ",null,"At  "]
[null,null,null,null,null,null,null,null,"30 Sept\n2014",null,"31 Dec\n2013",null,"Change\n%"]
[]
[null,"Loans and advances to customers3",null,null,null,null,null,null,486.3,null,495.2,null,-2]
[null,"Loans and advances to customers excluding TSB, run-off and closed portfolios3",null,null,null,null,null,null,408.9,null,404.9,null,1]
[null,"Customer deposits4",null,null,null,null,null,null,445.40000000000003,null,438.3,null,2]
[null,"Loan to deposit ratio",null,null,null,null,null,null,1.0900000000000001,null,1.1299999999999999,null,"(4)pp"]
[null,"Total assets",null,null,null,null,null,null,856.40000000000009,null,847,null,1]
[null,"Run-off assets",null,null,null,null,null,null,22.7,null,33.299999999999997,null,-32]
[null,"Wholesale funding",null,null,null,null,null,null,119.6,null,137.6,null,-13]
[null,"Wholesale funding <1 year maturity",null,null,null,null,null,null,45.2,null,44.2,null,2]
[null,"PRA transitional common equity tier 1 ratio5,6",null,null,null,null,null,null,0.12,null,0.10299999999999999,null,"1.7pp"]
[null,"PRA transitional total capital ratio5,6",null,null,null,null,null,null,0.21,null,0.188,null,"2.2pp"]
[null,"Fully loaded risk-weighted assets6",null,null,null,null,null,null,249.6,null,271.89999999999998,null,-8]
[null,"Fully loaded common equity tier 1 ratio6",null,null,null,null,null,null,0.12,null,0.10299999999999999,null,"1.7pp"]
[null,"Fully loaded Basel III leverage ratio6,7",null,null,null,null,null,null,4.7E-2,null,3.7999999999999999E-2,null,"0.9pp"]
[]
[null,"Net tangible assets per share",null,null,null,null,null,null,51.8,null,48.5,null,"3.3p"]
[]
[]
[1,"Earnings per share has been calculated after recognising the coupon on the Additional Tier 1 securities."]
[2,"Excluding impact of St. James’s Place."]
[3,"Excludes reverse repos of £6.4 billion (31 December 2013: £0.1 billion)."]
[4,"Excludes repos of £nil (31 December 2013: £3.0 billion)."]
[5,"31 December 2013 comparatives reflect PRA transitional rules as at 1 January 2014."]
[6,"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."]
[7,"Following PRA guidance, calculated in accordance with the January 2014 revised Basel III leverage ratio framework"]

{"sheet":"4","index":3,"n_rows":16,"n_cols":8,"rows_kept":16,"cut":false,"hidden":false,"merged":[[3,2,3,4],[3,1,5,1]]}
[null,"TOTAL INCOME"]
[]
[]
[]
[null,null,null,"Nine months ended \n30 Sept 2014",null,"Nine \nmonths ended \n30 Sept 2013"]
[null,null,null,"£ million ",null,"£ million ",null,"Change "]
[null,null,null,null,null,null,null,"% "]
[null,"Net interest income ",null,8838,null,7966,null,11]
[null,"Other income",null,5060,null,5505,null,-8]
[null,"Total underlying income excluding St. James's Place",null,13898,null,13471,null,3]
[null,"St. James’s Place",null,0,null,548]
[null,"Total income",null,13898,null,14019,null,-1]
[]
[null,"Banking net interest margin",null,2.4400000000000002E-2,null,2.06E-2,null,"38bp"]
[null,"Average interest-earning banking assets",null,486.4,null,513.9,null,-5]
[null,"Loan to deposit ratio",null,1.0900000000000001,null,1.1399999999999999,null,"(5)pp"]

{"sheet":"5","index":4,"n_rows":27,"n_cols":8,"rows_kept":27,"cut":false,"hidden":false,"merged":[[12,3,12,4],[2,1,3,1]]}
[null,"TOTAL COSTS & IMPAIRMENT"]
[]
[null,null,null,"Nine months ended \n30 Sept 2014",null,"Nine \nmonths ended \n30 Sept 2013",null,"Change "]
[null,null,null,"£ million ",null,"£ million ",null,"% "]
[null,"Total costs"]
[]
[null,"Total costs",null,6907,null,7110,null,3]
[null,"Cost:income ratio1",null,0.497,null,0.52500000000000002,null,"(2.8)pp"]
[null,"Simplification savings annual run-rate",null,1901,null,1315,null,45]
[]
[1,"Excluding impact of St. James’s Place."]
[]
[]
[null,null,null,"Nine months ended \n30 Sept 2014",null,"Nine \nmonths ended \n30 Sept 2013",null,"Change "]
[null,null,null,"£ million ",null,"£ million ",null,"% "]
[null,"Impairment"]
[]
[null,"Total impairment charge",null,1017,null,2483,null,59]
[null,"Asset quality ratio",null,2.7000000000000001E-3,null,6.3E-3,null,"(36)bp"]
[]
[]
[null,null,null,"At  ",null,"At  "]
[null,null,null,"30 Sept\n2014",null,"31 Dec\n2013"]
[null,null,null,"%",null,"%"]
[]
[null,"Impaired loans as a % of closing advances",null,4.4999999999999998E-2,null,6.3E-2,null,"(1.8)pp"]
[null,"Provisions as a % of impaired loans",null,0.56599999999999995,null,0.501,null,"6.5pp"]

{"sheet":"6","index":5,"n_rows":34,"n_cols":7,"rows_kept":34,"cut":false,"hidden":false,"merged":[[4,1,5,1]]}
[null,"STATUTORY PROFIT"]
[]
[]
[]
[null,null,null,null,"Nine months ended \n30 Sept 2014",null,"Nine \nmonths ended \n30 Sept 2013"]
[null,null,null,null,"£ million ",null,"£ million "]
[]
[]
[null,null,"Underlying profit",null,5974,null,4426]
[null,null,"Asset sales and other items:",null,"",""]
[null,null,"Asset sales",null,79,null,-637]
[null,null,"Sale of government securities",null,"-",null,786]
[null,null,"Liability management",null,-1378,null,-97]
[null,null,"Own debt volatility",null,264,null,-167]
[null,null,"Other volatile items",null,-50,null,-243]
[null,null,"Volatility arising in insurance businesses",null,-197,null,637]
[null,null,"Fair value unwind",null,-471,null,-91]
[null,null,null,null,-1753,null,188]
[null,null,"Simplification and TSB costs:"]
[null,null,"Simplification costs",null,-650,null,-608]
[null,null,"TSB build and dual running costs",null,-414,null,-586]
[null,null,null,null,-1064,null,-1194]
[null,null,"Legacy items:"]
[null,null,"Payment Protection Insurance provision",null,-1500,null,-1250]
[null,null,"Other regulatory provisions",null,-500,null,-75]
[null,null,null,null,-2000,null,-1325]
[null,null,"Other items:"]
[null,null,"Past service pensions credit (charge)",null,710,null,-104]
[null,null,"Amortisation of purchased intangibles",null,-253,null,-297]
[null,null,null,null,457,null,-401]
[null,null,"Profit before tax – statutory",null,1614,null,1694]
[null,null,"Taxation",null,-222,null,-1414]
[null,null,"Profit for the period",null,1392,null,280]
[null,null,"Earnings per share",null,"1.7p",null,"0.4p"]

{"sheet":"8-9","index":6,"n_rows":45,"n_cols":8,"rows_kept":45,"cut":false,"hidden":false,"merged":[[44,1,44,4],[22,1,22,2],[20,1,20,4],[41,1,41,4],[42,1,42,2],[43,1,43,2],[21,1,21,7]]}
[null,"CAPITAL RATIOS & FUNDING AND LIQUIDITY"]
[]
[null,"Capital ratios"]
[null,null,null,"At",null,"At  "]
[null,null,null,"30 Sep 2014",null,"31 Dec\n2013",null,"Change\n%"]
[]
[null,"Fully loaded1"]
[null,"Common equity tier 1 capital ratio",null,0.12,null,0.10299999999999999,null,"1.7pp"]
[null,"Total capital ratio",null,0.18099999999999999,null,0.155,null,"2.6pp"]
[null,"Basel III leverage ratio2",null,4.7E-2,null,3.7999999999999999E-2,null,"0.9pp"]
[null,"Risk-weighted assets",null,249.6,null,271.89999999999998,null,-8]
[]
[null,"PRA transitional1"]
[null,"Common equity tier 1 capital ratio3",null,0.12,null,0.10299999999999999,null,"1.7pp"]
[null,"Tier 1 capital ratio3",null,0.156,null,0.11700000000000001,null,"3.9pp"]
[null,"Total capital ratio3",null,0.21,null,0.188,null,"2.2pp"]
[null,"Risk-weighted assets3",null,249.6,null,272.60000000000002,null,-8]
[]
[null,"Shareholders' equity",null,41.2,null,39,null,6]
[]
[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,"Following PRA guidance, calculated in accordance with the January 2014 revised Basel III leverage ratio framework. The European Commission has recently finalised its proposals to amend the CRD IV rules on the calculation of the leverage ratio in order to align with its interpretation of the revised Basel III leverage ratio framework. The Group considers there to be minimal difference between the Commission’s final proposals and the 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,"At 30 Sept",null,"At 31 Dec"]
[null,null,null,2014,null,2013,null,"Change"]
[null,null,null,"£ billion ",null,"£ billion ",null,"%"]
[]
[null,"Loans and advances to customers1",null,486.3,null,495.2,null,-2]
[null,"Loans and advances to customers excluding TSB, run-off and closed portfolios1",null,408.9,null,404.9,null,1]
[null,"Run-off assets",null,22.7,null,33.299999999999997,null,-32]
[null,"Non-retail run-off assets ",null,15.9,null,25,null,-36]
[null,"Funded assets",null,503.2,null,510.2,null,-1]
[null,"Customer deposits2",null,445.40000000000003,null,438.3,null,2]
[null,"Wholesale funding",null,119.6,null,137.6,null,-13]
[null,"Wholesale funding <1 year maturity",null,45.2,null,44.2,null,2]
[null,"Of which money-market funding <1 year maturity3",null,19.3,null,21.3,null,-9]
[null,"Loan to deposit ratio",null,1.0900000000000001,null,1.1298197581565137,null,"(4)pp"]
[null,"Primary liquid assets4",null,95.346000000000004,null,89.3,null,7]
[]
[1,"Excludes reverse repos of £6.4 billion (31 December 2013: £0.1 billion)."]
[2,"Excludes repos of £nil (31 December 2013: £3.0 billion)."]
[3,"Excludes balances relating to margins of £2.3 billion (31 December 2013: £2.3 billion) and settlement accounts of £1.3 billion (31 December 2013: £1.3 billion)."]
[4,"Includes off-balance sheet liquid assets; includes TSB £3.6 billion (31 December 2013: £nil)."]

{"sheet":"10","index":7,"n_rows":40,"n_cols":7,"rows_kept":40,"cut":false,"hidden":false,"merged":[[4,1,5,1],[39,1,39,4]]}
[null,"STATUTORY CONSOLIDATED INCOME STATEMENT (UNAUDITED)"]
[]
[]
[]
[null,null,null,null,"Nine months ended \n30 Sept 2014",null,"Nine \nmonths ended \n30 Sept 2013"]
[null,null,null,null,"£ million ",null,"£ million "]
[]
[]
[null,null,"Interest and similar income",null,14492,null,15961]
[null,null,"Interest and similar expense",null,-6402,null,-10989]
[null,null,"Net interest income",null,{"$f":"SUM(E9:E10)","v":8090},null,4972]
[null,null,"Fee and commission income",null,2771,null,3209]
[null,null,"Fee and commission expense",null,-937,null,-1025]
[null,null,"Net fee and commission income",null,1834,null,2184]
[null,null,"Net trading income",null,6620,null,14657]
[null,null,"Insurance premium income",null,5125,null,6240]
[null,null,"Other operating income",null,-126,null,2647]
[null,null,"Other income",null,13453,null,25728]
[null,null,"Total income",null,21543,null,30700]
[null,null,"Insurance claims",null,-9386,null,-16496]
[null,null,"Total income, net of insurance claims",null,12157,null,14204]
[null,null,"Regulatory provisions",null,-2000,null,-1325]
[null,null,"Other operating expenses",null,-7677,null,-8892]
[null,null,"Total operating expenses",null,-9677,null,-10217]
[null,null,"Trading surplus",null,2480,null,3987]
[null,null,"Impairment",null,-866,null,-2293]
[null,null,"Profit before tax",null,1614,null,1694]
[null,null,"Taxation",null,-222,null,-1414]
[null,null,"Profit for the period",null,1392,null,280]
[]
[null,null,"Profit attributable to ordinary shareholders",null,1144,null,256]
[null,null,"Profit attributable to other equity holders1",null,189,null,"-"]
[null,null,"Profit attributable to equity holders",null,1333,null,256]
[null,null,"Profit attributable to non-controlling interests",null,59,null,24]
[null,null,"Profit for the period",null,1392,null,280]
[]
[null,null,"Basic earnings per share",null,"1.7p",null,"0.4p"]
[null,null,"Diluted earnings per share",null,"1.6p",null,"0.4p"]
[]
[1,"The profit after tax attributable to other equity holders of £189 million (nine months to 30 September 2013: £nil) is offset in reserves by a tax credit attributable to ordinary shareholders of £46 million."]

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[null,"SUMMARY CONSOLIDATED BALANCE SHEET (UNAUDITED)"]
[]
[]
[]
[null,null,null,null,"At  ",null,"At  "]
[null,null,null,null,"30 Sept\n2014",null,"31 Dec\n2013"]
[null,null,null,null,"£ million",null,"£ million"]
[]
[null,null,"Assets"]
[null,null,"Cash and balances at central banks",null,46991,null,49915]
[null,null,"Trading and other financial assets at fair value through profit or loss",null,153654,null,142683]
[null,null,"Derivative financial instruments",null,32715,null,33125]
[null,null,"Loans and receivables:"]
[null,null,"Loans and advances to banks",null,21401,null,25365]
[null,null,"Loans and advances to customers",null,492744,null,495281]
[null,null,"Debt securities",null,1292,null,1355]
[null,null,null,null,515437,null,522001]
[null,null,"Available-for-sale financial assets",null,52594,null,43976]
[null,null,"Other assets",null,54974,null,55330]
[null,null,"Total assets",null,856365,null,847030]
[]
[null,null,"Liabilities"]
[null,null,"Deposits from banks",null,11154,null,13982]
[null,null,"Customer deposits",null,445389,null,441311]
[null,null,"Trading and other financial liabilities at fair value through profit or loss",null,66175,null,43625]
[null,null,"Derivative financial instruments",null,30741,null,30464]
[null,null,"Debt securities in issue",null,79345,null,87102]
[null,null,"Liabilities arising from insurance and investment contracts",null,112621,null,110758]
[null,null,"Subordinated liabilities",null,25220,null,32312]
[null,null,"Other liabilities",null,38018,null,48140]
[null,null,"Total liabilities",null,808663,null,807694]
[]
[null,null,"Shareholders’ equity",null,41179,null,38989]
[null,null,"Other equity instruments",null,5329,null,"-"]
[null,null,"Non-controlling interests",null,1194,null,347]
[null,null,"Total equity",null,47702,null,39336]
[null,null,"Total equity and liabilities",null,856365,null,847030]

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[null,"APPENDIX 1"]
[null,"RECONCILIATION BETWEEN STATUTORY AND UNDERLYING BASIS RESULTS"]
[]
[null,null,null,null,"Removal of:"]
[null,null,null,"Lloyds ",null,null,null,"Volatility "]
[null,"Nine months to 30 September 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,8090,null,5,null,0,null,278,null,0,null,465,null,8838,null,null,""]
[null,"Other income, net of insurance claims",null,4067,null,1071,null,197,null,-372,null,0,null,97,null,5060]
[null,"Total income",null,12157,null,1076,null,{"$f":"SUM(H11:H12)","v":197},null,-94,null,0,null,562,null,13898]
[null,"Operating expenses3",null,-9677,null,646,null,0,null,94,null,2000,null,30,null,-6907]
[null,"Impairment",null,-866,null,-30,null,0,null,0,null,0,null,-121,null,-1017]
[null,"Profit before tax",null,1614,null,1692,null,197,null,0,null,2000,null,471,null,5974]
[]
[]
[null,null,null,null,"Removal of:"]
[null,null,null,"Lloyds ",null,null,null,"Volatility "]
[null,"Nine months to 30 September 2013",null,"Banking ",null,"Acquisition ",null,"relating to the",null,null,null,"Legal and "]
[null,null,null,"Group ",null,"related and ",null,"insurance ",null,"Insurance ",null,"regulatory ",null,"Fair value ",null,"Underlying "]
[null,null,null,"statutory ",null,"other  items4",null,"business",null,"gross up ",null,"provisions2 ",null,"unwind ",null,"basis "]
[null,null,null,"£m ",null,"£m ",null,"£m ",null,"£m ",null,"£m ",null,"£m ",null,"£m "]
[]
[null,"Net interest income",null,4972,null,-16,null,5,null,2576,null,0,null,430,null,7967]
[null,"Other income, net of insurance claims",null,9232,null,112,null,-642,null,-2699,null,0,null,49,null,6052]
[null,"Total income",null,14204,null,96,null,-637,null,-123,null,{"$f":"SUM(L26:L27)","v":0},null,479,null,14019]
[null,"Operating expenses3",null,-10217,null,1618,null,0,null,123,null,1325,null,41,null,-7110]
[null,"Impairment",null,-2293,null,239,null,0,null,0,null,0,null,-429,null,-2483]
[null,"Profit (loss) before tax",null,1694,null,1953,null,-637,null,{"$f":"SUM(J28:J30)","v":0},null,{"$f":"SUM(L28:L30)","v":1325},null,91,null,4426]
[]
[]
[1,"Comprises the effects of asset sales (gain of £79 million), volatile items (gain of £214 million), liability management (loss of £1,378 million),  Simplification costs related to severance, IT and business costs of implementation (£650 million), TSB costs (£414 million), the past service pensions credit (£710 million) and the amortisation of purchased intangibles (£253 million)."]
[2,"Comprises the payment protection insurance provision (nine months to 30 September 2014: £1,500 million; nine months to 30 September 2013: £1,250 million) and other regulatory provisions (nine months to 30 September 2014: £500 million; nine months to 30 September 2013: £75 million)."]
[3,"On an underlying basis, this is described as total costs."]
[4,"Comprises the effects of asset sales (gain of £149 million), volatile items (loss of £410 million), liability management (loss of £97 million),  Simplification costs related to severance, IT and business costs of implementation (£608 million), TSB costs (£586 million), the past service pensions charge (£104 million) and the amortisation of purchased intangibles (£297 million)."]

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[null,"APPENDIX 2"]
[null,"QUARTERLY UNDERLYING BASIS INFORMATION"]
[]
[null,null,null,null,null,null,null,"Quarter ",null,"Quarter ",null,"Quarter "]
[null,null,null,null,null,null,null,"ended ",null,"ended ",null,"ended "]
[null,null,null,null,null,null,null,"30 Sept ",null,"30 June ",null,"31 Mar "]
[null,null,null,null,null,null,null,"2014 ",null,"2014 ",null,"2014 "]
[null,null,null,null,null,null,null,"£m ",null,"£m ",null,"£m "]
[]
[null,"Net interest income",null,null,null,null,null,3034,null,2993,null,2811]
[null,"Other income",null,null,null,null,null,1612,null,1730,null,1718,null,null,null,null,null,"","","","","","","","","","","",""]
[null,"Total income",null,null,null,null,null,4646,null,4723,null,4529,null,null,null,null,null,null,""]
[null,"Total costs",null,null,null,null,null,-2232,null,-2377,null,-2298]
[null,"Impairment",null,null,null,null,null,-259,null,-327,null,-431]
[null,"Underlying profit",null,null,null,null,null,2155,null,2019,null,1800]
[null,"Asset sales and other items",null,null,null,null,null,-186,null,-1687,null,120]
[null,"Simplification and TSB costs",null,null,null,null,null,-236,null,-362,null,-466]
[null,"Legacy provisions",null,null,null,null,null,-900,null,-1100,null,0]
[null,"Other items",null,null,null,null,null,-82,null,624,null,-85]
[null,"Statutory profit (loss)",null,null,null,null,null,751,null,-506,null,1369]
[]
[null,"Banking net interest margin",null,null,null,null,null,2.5100000000000001E-2,null,2.4799999999999999E-2,null,2.3199999999999998E-2]
[null,"Asset quality ratio",null,null,null,null,null,2E-3,null,2.5999999999999999E-3,null,3.5000000000000001E-3]
[null,"Return on risk-weighted assets",null,null,null,null,null,3.3700000000000001E-2,null,3.09E-2,null,2.7099999999999999E-2]
[null,"Cost:income ratio",null,null,null,null,null,0.48,null,0.503,null,0.50700000000000001]
[]
[]
[null,null,null,null,null,"Quarter ",null,"Quarter ",null,"Quarter ",null,"Quarter "]
[null,null,null,null,null,"ended ",null,"ended ",null,"ended ",null,"ended "]
[null,null,null,null,null,"31 Dec ",null,"30 Sept ",null,"30 June ",null,"31 Mar "]
[null,null,null,null,null,"2013 ",null,"2013 ",null,"2013 ",null,"2013 "]
[null,null,null,null,null,"£m ",null,"£m ",null,"£m ",null,"£m "]
[]
[null,"Net interest income",null,null,null,2918,null,2761,null,2653,null,2552]
[null,"Other income",null,null,null,1754,null,1776,null,1872,null,1857]
[null,null,null,null,null,114,null,18,null,50,null,480]
[null,"Total income",null,null,null,4786,null,4555,null,4575,null,4889]
[null,"Total costs",null,null,null,-2525,null,-2361,null,-2341,null,-2408]
[null,"Impairment",null,null,null,-521,null,-670,null,-811,null,-1002]
[null,"Underlying profit",null,null,null,1740,null,1524,null,1423,null,1479]
[null,"Asset sales and other items",null,null,null,-468,null,-709,null,-176,null,1073]
[null,"Simplification and TSB costs",null,null,null,-323,null,-408,null,-377,null,-409]
[null,"Legacy provisions",null,null,null,-2130,null,-750,null,-575,null,0]
[null,"Other items",null,null,null,-98,null,-97,null,-201,null,-103]
[null,"Statutory (loss) profit",null,null,null,-1279,null,-440,null,94,null,2040]
[]
[null,"Banking net interest margin",null,null,null,2.29E-2,null,2.1700000000000001E-2,null,2.06E-2,null,1.9599999999999999E-2]
[null,"Asset quality ratio",null,null,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,2.5499999999999998E-2,null,2.1399999999999999E-2,null,1.9300000000000001E-2,null,1.9599999999999999E-2]
[null,"Cost:income ratio1",null,null,null,0.54,null,0.52,null,0.51700000000000002,null,0.53600000000000003]
[]
[]
[1,"Excluding impact of St. James's Place."]