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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,"2015 HALF-YEAR RESULTS"]
[]
[]
[]
[null,null,"30 June 2015"]
[]
[]
[]
[null,null,"Excel Downloads of Relevant Tables"]

{"sheet":"Index","index":1,"n_rows":27,"n_cols":10,"rows_kept":27,"cut":false,"hidden":false,"merged":[[0,1,2,10],[22,1,22,2]]}
[null,"INDEX\nA FULL COPY OF THE H1 2015 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,31]
[null,"Balance sheet and key ratios",null,2,null,null,"Group impaired loans and provisions - June 2015",null,null,32]
[null,"Summary consolidated balance sheet",null,3,null,null,"Group impaired loans and provisions - Dec 2014",null,null,33]
[null,"Total income",null,7,null,null,"Credit risk - Retail",null,null,34]
[null,"Total costs",null,8,null,null,"LTVs across Retail Mortgage portfolios",null,null,35]
[null,"Impairment",null,8,null,null,"Ireland retail mortgage LTV analysis",null,null,38]
[null,"Statutory profit",null,9,null,null,"Forbearance - Retail",null,null,39]
[null,"Return on equity",null,11,null,null,"Forbearance - Commercial Banking",null,null,40]
[null,"Funding, liquidity and capital ratios",null,11,null,null,"Forbearance - Consumer Finance",null,null,40.1]
[null,"Underlying basis - segmental analysis",null,"13-14",null,null,"Forbearance - run-off",null,null,41]
[null,"Quarterly underlying basis",null,14,null,null,"Forbearance - run-off, unimpaired",null,null,41.1]
[null,"Retail",null,16,null,null,"Group funding position",null,null,43]
[null,"Commercial Banking",null,18,null,null,"Reconciliation of Group funding figure to the balance sheet",null,null,44]
[null,"Consumer Finance",null,20,null,null,"Analysis of 2014 total wholesale funding by residual maturity",null,null,44]
[null,"Insurance",null,"22-23",null,null,"Analysis of 2014 term issuance",null,null,45]
[null,"Run-off and Central Items",null,24,null,null,"Liquidity portfolio",null,null,45.1]
[null,"Reconciliation between statutory and underlying basis",null,25,null,null,"Capital resources",null,null,48]
[null,"Banking net interest margin",null,26,null,null,"Movements in capital",null,null,49]
[null,"Volatility relating to the insurance business",null,26,null,null,"Risk-weighted assets",null,null,50]
[null,"Number of employees",null,27,null,null,"Risk-weighted assets - movement by key driver",null,null,50]
[null,null,null,null,null,null,"Leverage ratio",null,null,52]

{"sheet":"2","index":2,"n_rows":55,"n_cols":11,"rows_kept":55,"cut":false,"hidden":false,"merged":[[1,1,1,10],[39,1,39,10]]}
[]
[null,"CONSOLIDATED INCOME STATEMENT - UNDERLYING BASIS"]
[]
[]
[null,null,"Half-year to 30 June 2015",null,"Half-year to 30 June 2014",null,"Change",null,"Half-year to 31 Dec 2014",null,"Change"]
[null,null,"£ million ",null,"£ million ",null,"%",null,"£ million ",null,"%"]
[]
[null,"Net interest income",5715,null,5404,null,6,null,5571,null,2.5848142164781907]
[null,"Other income",3253,null,3376,null,-4,null,3091,null,5.2410223228728565]
[null,"Total income",8968,null,8780,null,2,null,8662,null,3.5326714384668669]
[null,"Operating costs",-4150,null,-4134,null,"-",null,-4188,null,0.90735434574976126]
[null,"Operating lease depreciation ",-374,null,-346,null,-8,null,-374,null,"-"]
[null,"Costs",-4524,null,-4480,null,-1,null,-4562,null,0.83296799649276632]
[null,"Impairment ",-179,null,-707,null,75,null,-395,null,54.683544303797468]
[null,"Underlying profit excluding TSB ",4265,null,3593,null,19,null,3705,null,15.114709851551957]
[null,"TSB",118,null,226,null,null,null,232]
[null,"Underlying profit",4383,null,3819,null,15,null,3937,null,11.328422656845314]
[]
[null,"Asset sales and other items",-578,null,-1028,null,null,null,-317]
[null,"Simplification costs",-32,null,-519,null,null,null,-447]
[null,"TSB costs",-745,null,-309,null,null,null,-249]
[null,"Payment Protection Insurance provision ",-1400,null,-600,null,null,null,-1600]
[null,"Other conduct provisions ",-435,null,-500,null,null,null,-425]
[null,"Profit before tax – statutory",1193,null,863,null,38,null,899,null,32.70300333704116]
[null,"Taxation",-268,null,-164,null,null,null,-99]
[null,"Profit for the period",925,null,699,null,32,null,800,null,15.625]
[]
[null,"Underlying earnings per share","4.6p",null,"4.1p",null,"0.5p",null,"4.0p",null,"0.6p"]
[null,"Earnings per share","1.0p",null,"0.8p",null,"0.2p",null,"0.9p",null,"0.1p"]
[]
[null,"Banking net interest margin1",2.6241614919300976E-2,null,2.35E-2,null,"27bp",null,2.4500000000000001E-2,null,"17bp"]
[null,"Cost:income ratio2",0.482895043053293,null,0.49,null,"(0.7)pp",null,0.505,null,"(2.2)pp"]
[null,"Asset quality ratio1",8.7774432583944144E-4,null,3.0000000000000001E-3,null,"(21)bp",null,1.6999999999999999E-3,null,"(8)bp"]
[null,"Return on risk-weighted assets",3.78E-2,null,2.9000000000000001E-2,null,"88bp",null,3.1399999999999997E-2,null,"64bp"]
[null,"Return on assets",1.0500000000000001E-2,null,9.1999999999999998E-3,null,"13bp",null,9.1999999999999998E-3,null,"13bp"]
[null,"Underlying return on required equity",0.16200000000000001,null,0.14000000000000001,null,"2.2pp",null,0.13300000000000001,null,"2.9pp"]
[null,"Statutory return on required equity",3.7000000000000005E-2,null,3.1E-2,null,"0.6pp",null,2.9000000000000001E-2,null,"0.8pp"]
[]
[]
[null,"BALANCE SHEET AND KEY RATIOS"]
[]
[null,null,"At 30 June\n2015  ",null,"At 31 Dec\n2014",null,"Change %"]
[]
[null,"Loans and advances to customers3",452.29999999999995,null,478,null,-5.3765690376569131]
[null,"Customer deposits",416.5,null,447,null,-6.8232662192393736]
[null,"Loan to deposit ratio",1.0860000000000001,null,1.07,null,"2pp"]
[null,"Common equity tier 1 ratio",0.13286192616089523,null,0.128,null,"0.5pp"]
[null,"Transitional total capital ratio",0.21656974182747379,null,0.22,null,"(0.3)pp"]
[null,"Risk-weighted assets",227,null,240,null,-5.416666666666667]
[null,"Leverage ratio",4.9310716388398262E-2,null,4.9000000000000002E-2,null,0]
[null,"Tangible net assets per share",53.5,null,54.9,null,"(1.4)p"]
[]
[1,"Excluding TSB."]
[2,"Operating lease deprectiation deducted from income and costs and excluding TSB."]
[3,"Excludes reverse repos of £0.1 billion (31 December 2014: £5.1 billion)."]

{"sheet":"3","index":3,"n_rows":35,"n_cols":6,"rows_kept":35,"cut":false,"hidden":false,"merged":[[1,1,1,5]]}
[]
[null,"SUMMARY CONSOLIDATED BALANCE SHEET"]
[]
[null,null,null,"At 30 June 2015",null,"At 31 Dec 2014"]
[null,"Assets",null,"£ million",null,"£ million"]
[]
[null,"Cash and balances at central banks",null,67687,null,50492]
[null,"Trading and other financial assets at fair value through profit or loss",null,147849,null,151931]
[null,"Derivative financial instruments",null,27980,null,36128]
[null,"Loans and receivables:"]
[null,"Loans and advances to customers",null,452427,null,482704]
[null,"Loans and advances to banks",null,23548,null,26155]
[null,"Debt securities",null,1569,null,1213]
[null,null,null,477544,null,510072]
[null,"Available-for-sale financial assets",null,32173,null,56493]
[null,"Held to maturity investments",null,19960,null,"-"]
[null,"Other assets",null,49639,null,49780]
[null,"Total assets",null,822832,null,854896]
[]
[null,"Liabilities"]
[null,"Deposits from banks",null,16966,null,10887]
[null,"Customer deposits",null,416595,null,447067]
[null,"Trading and other financial liabilities at fair value through profit or loss",null,63328,null,62102]
[null,"Derivative financial instruments",null,27778,null,33187]
[null,"Debt securities in issue",null,77776,null,76233]
[null,"Liabilities arising from insurance and investment contracts",null,107604,null,114486]
[null,"Subordinated liabilities",null,22639,null,26042]
[null,"Other liabilities",null,42105,null,34989]
[null,"Total liabilities",null,774791,null,804993]
[]
[null,"Shareholders' equity",null,42256,null,43335]
[null,"Other equity instruments",null,5355,null,5355]
[null,"Non-controlling interests",null,430,null,1213]
[null,"Total equity",null,48041,null,49903]
[null,"Total liabilities and equity",null,822832,null,854896]

{"sheet":"7","index":4,"n_rows":14,"n_cols":12,"rows_kept":14,"cut":false,"hidden":false,"merged":[]}
[]
[null,"TOTAL INCOME"]
[]
[null,null,null,"Half-year to 30 June 2015",null,"Half-year to 30 June 2014",null,"Change",null,"Half-year to 31 Dec 2014",null,"Change"]
[null,null,null,"£ million ",null,"£ million",null,"%",null,"£ million",null,"%"]
[]
[null,"Net interest income ",null,5715,null,5404,null,6,null,5571,null,3]
[null,"Other income",null,3253,null,3376,null,-4,null,3091,null,5]
[null,"Total income",null,8968,null,8780,null,2,null,8662,null,4]
[]
[null,"Banking net interest margin",null,2.6200000000000001E-2,null,2.35E-2,null,"27bp",null,2.4500000000000001E-2,null,"17bp"]
[null,"Banking net interest margin incl. TSB",null,2.6499999999999999E-2,null,2.4E-2,null,"25bp",null,2.4899999999999999E-2,null,"16bp"]
[null,"Average interest-earning banking assets",null,444.8,null,465.6,null,-4,null,456.7,null,-3]
[null,"Average interest-earning banking assets incl. TSB",null,455.6,null,488.7,null,-7,null,478.8,null,-5]

{"sheet":"8","index":5,"n_rows":21,"n_cols":12,"rows_kept":21,"cut":false,"hidden":false,"merged":[]}
[]
[null,"TOTAL COSTS"]
[null,null,null,"Half-year to 30 June 2015",null,"Half-year to 30 June 2014",null,"Change",null,"Half-year to 31 Dec 2014 ",null,"Change"]
[null,null,null,"£ million ",null,"£ million ",null,"%",null,"£ million ",null,"%"]
[]
[null,"Operating costs",null,4150,null,4134,null,"-",null,4188,null,0.90735434574976126]
[null,"Operating lease depreciation ",null,374,null,346,null,-8.0924855491329488,null,374,null,"-"]
[null,"Costs",null,4524,null,4480,null,-0.9821428571428571,null,4562,null,0.83296799649276632]
[null,"Cost:income ratio1",null,0.482895043053293,null,0.49,null,"(0.7)pp",null,0.50530888030888033,null,"(2.2)pp"]
[]
[1,"Operating lease depreciation deducted from income and costs."]
[]
[]
[null,"IMPAIRMENT",null,"Half-year to 30 June 2015",null,"Half-year to 30 June 2014",null,"Change",null,"Half-year to 31 Dec 2014",null,"Change"]
[null,null,null,"£ million ",null,"£ million ",null,"%",null,"£ million ",null,"%"]
[]
[null,"Ongoing business impairment charge",null,211,null,383,null,45,null,516,null,-59.108527131782949]
[null,"Run-off impairment charge",null,-32,null,324,null,"-",null,-121,null,-73.553719008264466]
[null,"Total impairment charge",null,179,null,707,null,75,null,395,null,54.683544303797497]
[null,"Asset quality ratio",null,8.9999999999999998E-4,null,3.0000000000000001E-3,null,"(21)bp",null,1.6999999999999999E-3,null,"(8)bp"]
[null,"Impaired loans as a % of advances",null,2.7E-2,null,5.0999999999999997E-2,null,"(2.4)pp",null,2.9000000000000001E-2,null,"(0.2)pp"]

{"sheet":"9","index":6,"n_rows":24,"n_cols":15,"rows_kept":24,"cut":false,"hidden":false,"merged":[]}
[]
[null,"STATUTORY PROFIT"]
[null,null,null,"Half-year to 30 June 2015",null,"Half-year to 30 June 2014",null,"Change",null,"Half-year to 31 Dec 2014","Change"]
[null,null,null,"£ million ",null,"£ million ",null,"%",null,"£ million ","%"]
[]
[null,"Underlying profit",null,4383,null,3819,null,15,null,3937,11]
[null,"Asset sales and other items:",null,null,null,null,null,null,null,null,null,"",null,null,""]
[null,"Asset sales and volatility",null,-337,null,-1252,null,null,null,62,null,null,null,null,""]
[null,"Fair value unwind",null,-77,null,-315,null,null,null,-214,null,null,null,null,""]
[null,"Other items",null,-164,null,539,null,null,null,-165]
[null,null,null,-578,null,-1028,null,null,null,-317,null,null,null,null,""]
[null,"Simplification costs",null,-32,null,-519,null,null,null,-447]
[null,"TSB:"]
[null,"Build and dual running costs",null,-85,null,-309,null,null,null,-249]
[null,"Charge relating to disposal",null,-660,null,0,null,null,null,0]
[null,null,null,-745,null,-309,null,null,null,-249,null,null,null,null,""]
[null,"Payment protection insurance provisison ",null,-1400,null,-600,null,null,null,-1600,null,null,null,null,""]
[null,"Other regulatory provisions",null,-435,null,-500,null,null,null,-425,null,null,null,null,""]
[null,"Profit before tax – statutory",null,1193,null,863,null,38,null,899,33,null,null,null,""]
[null,"Taxation",null,-268,null,-164,null,null,null,-99,null,null,null,null,""]
[null,"Profit for the period",null,925,null,699,null,32,null,800,16,null,null,null,""]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,""]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,""]

{"sheet":"11","index":7,"n_rows":28,"n_cols":10,"rows_kept":28,"cut":false,"hidden":false,"merged":[]}
[]
[null,"RETURN ON EQUITY"]
[null,null,null,"Half-year to 30 June 2015",null,"Half-year to 30 June 2014","Change\n%",null,"Half-year to 31 Dec 2014","Change\n%"]
[]
[null,"Underlying return on required equity",null,0.16200000000000001,null,0.14000000000000001,"2.2pp",null,0.13300000000000001,"2.9pp"]
[null,"Statutory return on required equity",null,3.7000000000000005E-2,null,3.1E-2,"0.6pp",null,2.9000000000000001E-2,"0.8pp"]
[]
[]
[]
[null,"FUNDING, LIQUDITY AND CAPITAL RATIOS",null,"At",null,"At  ","Change "]
[null,null,null,"30 June 2015",null,"31 Dec 2014","%"]
[]
[null,"Wholesale funding",null,116,null,116,0]
[null,"Wholesale funding <1 year maturity",null,38.9,null,41,-5.1219512195121979]
[null,"Of which money-market funding <1 year maturity1",null,20,null,19,5.2631578947368416]
[null,"Loan to deposit ratio",null,1.0860000000000001,null,1.07,"2pp"]
[null,"Primary liquid assets",null,109,null,109,0]
[]
[null,"Common equity tier 1 capital ratio2",null,0.13286192616089523,null,0.128,"0.5pp"]
[null,"Transitional tier 1 capital ratio",null,0.16809410520750728,null,0.16500000000000001,"0.3pp"]
[null,"Transitional total capital ratio",null,0.21656974182747379,null,0.22,"(0.3)pp"]
[null,"Leverage ratio",null,4.9310716388398262E-2,null,4.9000000000000002E-2,0]
[null,"Risk-weighted assets",null,227,null,240,-5.416666666666667]
[]
[null,"Shareholders' equity",null,42,null,43,-2.3255813953488373]
[]
[1,"Excludes balances relating to margins of £1.9 billion (31 December 2014: £2.8 billion) and settlement accounts of £1.4 billion (31 December 2014: £1.4 billion)"]
[2,"Common equity tier 1 ratio is the same on both fully loaded and transitional bases. "]

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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,"Group"]
[]
[null,"Half-year to 30 June 2015"]
[null,null,null,"£m ",null,"£m ",null,"£m ",null,"£m ",null,"£m ",null,"£m "]
[]
[null,"Net interest income",null,3743,null,1234,null,658,null,-73,null,153,null,5715]
[null,"Other income",null,559,null,1023,null,677,null,1025,null,-31,null,3253]
[null,"Total income",null,4302,null,2257,null,1335,null,952,null,122,null,8968]
[null,"Operating costs",null,-2300,null,-1043,null,-403,null,-368,null,-36,null,-4150]
[null,"Operating lease depreciation",null,0,null,-14,null,-353,null,0,null,-7,null,-374]
[null,"Costs",null,-2300,null,-1057,null,-756,null,-368,null,-43,null,-4524]
[null,"Impairment",null,-163,null,-7,null,-40,null,0,null,31,null,-179]
[null,"Underlying profit excl. TSB",null,1839,null,1193,null,539,null,584,null,110,null,4265]
[null,"TSB",null,null,null,null,null,null,null,null,null,null,null,118]
[null,"Underlying profit",null,null,null,null,null,null,null,null,null,null,null,4383]
[null,null,null,null,null,null,"",null,"",null,""]
[null,"Banking net interest margin1",null,2.4400000000000002E-2,null,2.81E-2,null,6.2600000000000003E-2,null,null,null,null,null,2.6200000000000001E-2]
[null,"Asset quality ratio1",null,1E-3,null,4.0000000000000002E-4,null,3.8E-3,null,null,null,null,null,8.9999999999999998E-4]
[null,"Return on risk-weighted assets",null,5.5500000000000001E-2,null,2.29E-2,null,5.1900000000000002E-2,null,null,null,null,null,3.78E-2]
[null,"Return on assets",null,1.17E-2,null,1.06E-2,null,4.1599999999999998E-2,null,null,null,null,null,1.0500000000000001E-2]
[null,null,null,null,null,"Commercial Banking",null,"Consumer Finance",null,"Insurance ",null,"Run-off and Central items",null,"Group "]
[]
[]
[null,"Half-year to 30 June 2014",null,"Retail"]
[null,null,null,"£m",null,"£m",null,"£m",null,"£m",null,"£m",null,"£m"]
[]
[null,"Net interest income",null,3493,null,1234,null,645,null,-64,null,96,null,5404]
[null,"Other income",null,700,null,984,null,675,null,854,null,163,null,3376]
[null,"Total income",null,4193,null,2218,null,1320,null,790,null,259,null,8780]
[null,"Operating costs",null,-2207,null,-1022,null,-389,null,-329,null,-187,null,-4134]
[null,"Operating lease depreciation",null,0,null,-11,null,-319,null,0,null,-16,null,-346]
[null,"Costs",null,-2207,null,-1033,null,-708,null,-329,null,-203,null,-4480]
[null,"Impairment",null,-276,null,-29,null,-78,null,0,null,-324,null,-707]
[null,"Underlying profit excl. TSB",null,1710,null,1156,null,534,null,461,null,-268,null,3593]
[null,"TSB",null,null,null,null,null,null,null,null,null,null,null,226]
[null,"Underlying profit ",null,null,null,null,null,null,null,null,null,null,null,3819]
[null,null,null,null,null,null,"",null,"",null,""]
[]
[null,"Banking net interest margin1",null,2.2800000000000001E-2,null,2.63E-2,null,6.6900000000000001E-2,null,null,null,null,null,2.35E-2]
[null,"Asset quality ratio1",null,1.8E-3,null,5.0000000000000001E-4,null,7.7999999999999996E-3,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,2.9000000000000001E-2]
[null,"Return on assets",null,1.09E-2,null,1.01E-2,null,4.2999999999999997E-2,null,null,null,null,null,9.1999999999999998E-3]
[null,null,null,null,null,"Commercial Banking",null,"Consumer Finance",null,"Insurance ",null,"Run-off and Central items",null,"Group "]
[]
[]
[null,"Half-year to 31 December 2014",null,"Retail"]
[null,null,null,"£m ",null,"£m ",null,"£m ",null,"£m ",null,"£m ",null,"£m "]
[]
[null,"Net interest income",null,3586,null,1246,null,645,null,-67,null,161,null,5571]
[null,"Other income",null,512,null,972,null,689,null,871,null,47,null,3091]
[null,"Total income",null,4098,null,2218,null,1334,null,804,null,208,null,8662]
[null,"Operating costs",null,-2257,null,-1101,null,-373,null,-343,null,-114,null,-4188]
[null,"Operating lease depreciation",null,0,null,-13,null,-348,null,0,null,-13,null,-374]
[null,"Costs",null,-2257,null,-1114,null,-721,null,-343,null,-127,null,-4562]
[null,"Impairment",null,-323,null,-54,null,-137,null,0,null,119,null,-395]
[null,"Underlying profit excl. TSB",null,1518,null,1050,null,476,null,461,null,200,null,3705]
[null,"TSB",null,null,null,null,null,null,null,null,null,null,null,232]
[null,"Underlying profit",null,null,null,null,"",null,"",null,"",null,null,3937]
[]
[]
[]
[null,"Banking net interest margin1",null,2.29E-2,null,2.7E-2,null,6.3E-2,null,null,null,null,null,2.4500000000000001E-2]
[null,"Asset quality ratio1",null,2E-3,null,1E-3,null,1.2999999999999999E-2,null,null,null,null,null,1.6999999999999999E-3]
[null,"Return on risk-weighted assets",null,4.36E-2,null,1.8800000000000001E-2,null,4.4900000000000002E-2,null,null,null,null,null,3.1399999999999997E-2]
[null,"Return on assets",null,9.4999999999999998E-3,null,8.6999999999999994E-3,null,3.7900000000000003E-2,null,null,null,null,null,9.1999999999999998E-3]
[]
[1,"Excluding TSB."]

{"sheet":"14","index":9,"n_rows":52,"n_cols":18,"rows_kept":52,"cut":false,"hidden":false,"merged":[[1,1,1,17],[3,7,4,9],[3,11,4,13],[3,15,4,17],[3,3,4,5],[22,11,24,11],[22,9,24,9],[22,13,24,13],[22,15,24,15],[22,7,24,7]]}
[]
[null,"UNDERLYING BASIS - SEGMENTAL ANALYSIS"]
[]
[null,null,null,"Loans and \nadvances",null,null,null,"Customer\ndeposits",null,null,null,"Total customer\nbalances1",null,null,null,"Risk-weighted\nassets "]
[]
[null,null,null,"30 June",null,"31 Dec",null,"30 June",null,"31 Dec",null,"30 June",null,"31 Dec",null,"30 June",null,"31 Dec"]
[null,null,null,"2015",null,"2014",null,"2015",null,"2014",null,"2015",null,"2014",null,"2015",null,"2014"]
[null,null,null,"£bn",null,"£bn",null,"£bn",null,"£bn",null,"£bn",null,"£bn",null,"£bn",null,"£bn"]
[]
[null,"Retail",null,312.89999999999998,null,315.2,null,278.2,null,285.5,null,591.09999999999991,null,600.70000000000005,null,65.900000000000006,null,67.7]
[null,"Commmercial Banking",null,100.2,null,100.9,null,125.4,null,119.9,null,225.60000000000002,null,220.8,null,102.8,null,106.2]
[null,"Consumer Finanace",null,21.8,null,20.9,null,11.4,null,15,null,36.400000000000006,null,39,null,21,null,20.9]
[null,"Run-off and Central items ",null,17.399999999999999,null,19,null,1.5,null,2.1,null,18.899999999999999,null,21.1,null,27.1,null,28.9]
[null,"Threshold risk-weighted assets",null,null,null,null,null,null,null,null,null,null,null,null,null,10.199999999999999,null,10.8]
[null,"Group excl. TSB",null,452.29999999999995,null,456,null,416.5,null,422.5,null,871.99999999999989,null,881.6,null,226.99999999999997,null,234.5]
[null,"TSB",null,0,null,21.6,null,"-",null,24.6,null,0,null,46.2,null,0,null,5.2]
[null,"Group",null,452.29999999999995,null,477.6,null,416.5,null,447.1,null,871.99999999999989,null,927.80000000000007,null,226.99999999999997,null,239.7]
[]
["1","Total customer balances includes loans and advances to customers, customer deposit balances and Consumer Finance operating lease assets."]
[]
[]
[null,"UNDERLYING BASIS - QUARTERLY INFORMATION"]
[null,null,null,null,null,null,null,"Quarter ended 30 June 2015 ",null,"Quarter ended 31 Mar 2015",null,"Quarter ended 31 Dec 2014",null,"Quarter ended 30 Sept 2014",null,"Quarter ended 30 June 2014"]
[]
[]
[null,"Group",null,null,null,null,null,"£m",null,"£m ",null,"£m ",null,"£m ",null,"£m "]
[]
[null,"Net interest income",null,null,null,null,null,2886,null,2829,null,2730,null,2841,null,2794]
[null,"Other income",null,null,null,null,null,1661,null,1592,null,1513,null,1578,null,1696]
[null,"Total income",null,null,null,null,null,4547,null,4421,null,4243,null,4419,null,4490]
[null,"Costs"]
[null,"Operating costs",null,null,null,null,null,-2130,null,-2020,null,-2221,null,-1967,null,-2103]
[null,"Operating lease depreciation",null,null,null,null,null,-191,null,-183,null,-195,null,-179,null,-173]
[null,"Costs",null,null,null,null,null,-2321,null,-2203,null,-2416,null,-2146,null,-2276]
[null,"Impairment",null,null,null,null,null,-21,null,-158,null,-159,null,-236,null,-300]
[null,"Underlying profit excluding TSB ",null,null,null,null,null,2205,null,2060,null,1668,null,2037,null,1914]
[null,"TSB",null,null,null,null,null,0,null,118,null,114,null,118,null,105]
[null,"Underlying profit ",null,null,null,null,null,2205,null,2178,null,1782,null,2155,null,2019]
[null,"Asset sales and other items",null,null,null,null,null,-385,null,-193,null,-49,null,-268,null,-1063]
[null,"Simplification costs",null,null,null,null,null,-6,null,-26,null,-316,null,-131,null,-225]
[null,"TSB costs",null,null,null,null,null,0,null,-745,null,-144,null,-105,null,-137]
[null,"Conduct provisions",null,null,null,null,null,-1835,null,0,null,-1125,null,-900,null,-1100]
[null,"Statutory (loss) profit before tax",null,null,null,null,null,-21,null,1214,null,148,null,751,null,-506]
[]
[null,"Banking net interest margin1",null,null,null,null,null,2.6499999999999999E-2,null,2.5999999999999999E-2,null,2.4199999999999999E-2,null,2.47E-2,null,2.4400000000000002E-2]
[null,"Cost:income ratio1,2",null,null,null,null,null,0.48899999999999999,null,0.47699999999999998,null,0.54900000000000004,null,0.46400000000000002,null,0.48699999999999999]
[null,"Asset quality ratio1",null,null,null,null,null,2.9999999999999997E-4,null,1.4E-3,null,1.4E-3,null,1.9E-3,null,2.5000000000000001E-3]
[null,"Return on risk-weighted assets",null,null,null,null,null,3.8399999999999997E-2,null,3.73E-2,null,2.8899999999999999E-2,null,3.3700000000000001E-2,null,3.09E-2]
[null,"Return on assets",null,null,null,null,null,1.06E-2,null,1.0500000000000001E-2,null,8.3000000000000001E-3,null,1.01E-2,null,9.7000000000000003E-3]
[]
[1,"Excluding TSB."]
[2,"Operating lease depreciation deducted from income and costs."]

{"sheet":"16","index":10,"n_rows":33,"n_cols":10,"rows_kept":33,"cut":false,"hidden":false,"merged":[]}
[]
[null,"RETAIL"]
[]
[null,null,null,"Half-year to 30 June 2015",null,"Half-year to 30 June 2014","Change\n%",null,"Half-year to 31 Dec 2014","Change\n%"]
[null,null,null,"£m ",null,"£m ",null,null,"£m "]
[]
[null,"Net interest income",null,3743,null,3493,7.1571714858288003,null,3586,4.3781372002230894]
[null,"Other income",null,559,null,700,-20.142857142857142,null,512,9.1796875]
[null,"Total income",null,4302,null,4193,2.5995707130932506,null,4098,4.9780380673499272]
[null,"Total costs",null,-2300,null,-2207,-4.2138649750792938,null,-2257,-1.9051838723969872]
[null,"Impairment",null,-163,null,-276,40.942028985507243,null,-323,49.535603715170282]
[null,"Underlying profit",null,1839,null,1710,7.5438596491228065,null,1518,21.146245059288539]
[]
[null,"Banking net interest margin",null,2.4400000000000002E-2,null,2.2800000000000001E-2,"16bp",null,2.29E-2,"15bp"]
[null,"Asset quality ratio",null,1.0413233064047946E-3,null,1.8E-3,"(8)bp",null,2E-3,"(10)bp"]
[null,"Return on risk-weighted assets",null,5.5500000000000001E-2,null,4.82E-2,"73bp",null,4.36E-2,"119bp"]
[null,"Return on assets",null,1.17E-2,null,1.09E-2,"8bp",null,9.4999999999999998E-3,"22bp"]
[]
[]
[null,null,null,null,null,null,"At ",null,"At "]
[null,null,null,null,null,null,"30 June 2015",null,"31 Dec 2014","Change\n%"]
[]
[null,"Key balance sheet items",null,null,null,null,"£bn ",null,"£bn"]
[]
[null,"Loans and advances excluding closed portfolios",null,null,null,null,283.79999999999995,null,284.7,"-"]
[null,"Closed portfolios",null,null,null,null,29,null,30.5,-4.5901639344262248]
[null,"Loans and advances to customers",null,null,null,null,312.89999999999998,null,315.2,-0.72969543147208493]
[null,"Relationship balances",null,null,null,null,244.99872119715999,null,247.9,-1.1703423972730984]
[null,"Tactical balances",null,null,null,null,33.243898392399998,null,37.6,-11.585376615957454]
[null,"Customer deposits",null,null,null,null,278.2,null,285.5,-2.5569176882662035]
[null,"Total customer balances",null,null,null,null,591.09999999999991,null,600.70000000000005,-1.5981355085733537]
[]
[null,"Risk-weighted assets",null,null,null,null,65.900000000000006,null,67.7,-2.6587887740029501]

{"sheet":"18","index":11,"n_rows":31,"n_cols":10,"rows_kept":31,"cut":false,"hidden":false,"merged":[]}
[]
[null,"COMMERCIAL BANKING"]
[null,null,null,"Half-year to 30 June 2015",null,"Half-year to 30 June 2014","Change\n%",null,"Half-year to 31 Dec 2014","Change\n%"]
[null,null,null,"£m ",null,"£m ",null,null,"£m "]
[]
[null,"Net interest income",null,1234,null,1234,0,null,1246,-0.96308186195826639]
[null,"Other income",null,1023,null,984,3.9634146341463414,null,972,5.2469135802469129]
[null,"Total income",null,2257,null,2218,1.7583408476104598,null,2218,1.7583408476104598]
[null,"Operating costs",null,-1043,null,-1022,-2.054794520547945,null,-1101,5.2679382379654864]
[null,"Operating lease depreciation",null,-14,null,-11,-27.27272727272727,null,-13,-7.6923076923076925]
[null,"Costs",null,-1057,null,-1033,-2.3233301064859635,null,-1114,5.1166965888689404]
[null,"Impairment",null,-7,null,-29,75.862068965517238,null,-54,87.037037037037038]
[null,"Underlying profit",null,1193,null,1156,3.2006920415224913,null,1050,13.61904761904762]
[]
[null,"Banking net interest margin",null,2.81E-2,null,2.63E-2,"18bp",null,2.7E-2,"11bp"]
[null,"Asset quality ratio",null,4.0000000000000002E-4,null,5.0000000000000001E-4,"(1)bp",null,1E-3,"(6)bp"]
[null,"Return on risk-weighted assets",null,2.29E-2,null,1.9599999999999999E-2,"33bp",null,1.8800000000000001E-2,"41bp"]
[null,"Return on assets",null,1.06E-2,null,1.01E-2,"5bp",null,8.6999999999999994E-3,"19bp"]
[]
[]
[null,null,null,"At ",null,"At "]
[null,null,null,"30 June 2015",null,"31 Dec 2014","Change"]
[null,"Key balance sheet items",null,"£bn ",null,"£bn","%"]
[]
[null,"SME",null,28.751637935880002,null,27.9,3.0524657200000109]
[null,"Other",null,71.448362064120005,null,73,-2.1255314190136922]
[null,"Loans and advances to customers",null,100.2,null,100.9,-0.69375619425173718]
[null,"Customer deposits",null,125.4,null,119.9,4.5871559633027514]
[null,"Total Customer balances",null,225.60000000000002,null,220.8,2.1739130434782661]
[]
[null,"Risk-weighted assets",null,102.8,null,106.2,-3.2015065913371048]

{"sheet":"20","index":12,"n_rows":36,"n_cols":10,"rows_kept":36,"cut":false,"hidden":false,"merged":[]}
[]
[null,"CONSUMER FINANCE"]
[]
[null,null,null,"Half-year to 30 June 2015",null,"Half-year to 30 June 2014","Change\n%",null,"Half-year to 31 Dec 2014","Change\n%"]
[null,null,null,"£m ",null,"£m ",null,null,"£m "]
[]
[null,"Net interest income",null,658,null,645,2.0155038759689923,null,645,2.0155038759689923]
[null,"Other income",null,677,null,675,"-",null,689,-1.741654571843251]
[null,"Total operating income",null,1335,null,1320,1.1363636363636365,null,1334,0]
[null,"Total costs",null,-403,null,-389,-3.5989717223650386,null,-373,-8.0428954423592494]
[null,"Operating lease depreciation",null,-353,null,-319,10.658307210031348,null,-348,-1.4367816091954022]
[null,"Costs",null,-756,null,-708,-7,null,-721,-4.8543689320388346]
[null,"Impairment",null,-40,null,-78,48.717948717948715,null,-137,70.802919708029194]
[null,"Underlying profit",null,539,null,534,0.93632958801498134,null,476,13.23529411764706]
[]
[null,"Banking net interest margin",null,6.2600000000000003E-2,null,6.6900000000000001E-2,"(43)bp",null,6.3E-2,"(4)bp"]
[null,"Asset quality ratio",null,3.8E-3,null,7.7999999999999996E-3,"(40)bp",null,1.2999999999999999E-2,"(92)bp"]
[null,"Impaired loans as % of closing advances",null,2.8201530034855826E-2,null,4.2000000000000003E-2,"(1.4)pp",null,3.4000000000000002E-2,"(0.6)pp"]
[null,"Return on risk-weighted assets",null,5.1900000000000002E-2,null,5.1999999999999998E-2,"(1)bp",null,4.4900000000000002E-2,"70bp"]
[null,"Return on assets",null,4.1599999999999998E-2,null,4.2999999999999997E-2,"(14)bp",null,3.7900000000000003E-2,"37bp"]
[]
[]
[null,null,null,"At ",null,"At "]
[null,null,null,"30 June 2015",null,"31 Dec 2014","Change\n"]
[]
[null,"Key balance sheet items",null,"£bn ",null,"£bn","%"]
[]
[null,"Loans and advances to customers",null,21.8,null,20.9,4.3062200956937904]
[null,"Of which UK",null,17.3,null,16,8.1250000000000036]
[null,"Operating lease assets",null,3.2,null,3.1,3.2258064516129057]
[null,"Total customer assets",null,25,null,24,4.1666666666666661]
[null,"Of which UK",null,20.5,null,19.100000000000001,7.329842931937165]
[null,"Customer deposits",null,11.4,null,15,-23.999999999999996]
[null,"Total customer balances",null,36.4,null,39,-6.6666666666666705]
[]
[null,"Risk-weighted assets",null,21,null,20.9,0]

{"sheet":"22-23","index":13,"n_rows":59,"n_cols":18,"rows_kept":59,"cut":false,"hidden":false,"merged":[[24,3,24,13],[44,3,44,13]]}
[]
[null,"INSURANCE"]
[]
[null,null,null,null,null,"Half-year to 30 June 2015",null,"Half-year to 30 June 2014",null,"Change",null,null,null,"Half-year to 31 Dec 2014",null,"Change"]
[null,null,null,null,null,"£m ",null,"£m ",null,"%",null,null,null,"£m",null,"%"]
[]
[null,"Net interest income",null,null,null,-73,null,-64,null,-14.0625,null,null,null,-67,null,-8.9552238805970141]
[null,"Other income",null,null,null,1025,null,854,null,20.023419203747071,null,null,null,871,null,17.680826636050519]
[null,"Total income",null,null,null,952,null,790,null,20.506329113924053,null,null,null,804,null,18.407960199004975]
[null,"Costs",null,null,null,-368,null,-329,null,-11.854103343465045,null,null,null,-343,null,-7.2886297376093294]
[null,"Underlying profit",null,null,null,584,null,461,null,26.681127982646419,null,null,null,461,null,26.681127982646419]
[]
[null,"Operating cash generation",null,null,null,391,null,380,null,2.8947368421052633,null,null,null,357,null,9.5238095238095237]
[null,"UK LP&I sales (PVNBP)1",null,null,null,5837,null,4680,null,24.722222222222221,null,null,null,3921,null,48.865085437388423]
[null,"General Insurance total GWP2",null,null,null,561,null,604,null,-7.1192052980132452,null,null,null,593,null,-5.3962900505902187]
[null,"General Insurance combined ratio",null,null,null,0.73,null,0.8,null,"(7)pp",null,null,null,0.76,null,"(3)pp"]
[]
[]
[1,"Present value of new business premiums."]
[2,"Gross written premiums."]
[]
[]
[]
[null,"Profit by product group"]
[null,null,null,"Half-year to 30 June 2015",null,null,null,null,null,null,null,null,null,null,null,"Half-year to 30 June 2014",null,"Half-year to 31 Dec 2014"]
[null,null,null,"Pensions & investments",null,"Protection & retirement",null,"Bulk annuities",null,"General Insurance",null,"Other1",null,"Total",null,"Total",null,"Total"]
[null,null,null,"£m",null,"£m",null,"£m",null,"£m",null,"£m",null,"£m",null,"£m",null,"£m"]
[null,"New business income",null,90.885914094186688,null,15.129431559879229,null,98,null,0,null,"-",null,204.01534565406592,null,151.15748449823022,null,116]
[null,"Existing business income",null,306.605780851036,null,64,null,0,null,0,null,34,null,405,null,440.72283702454808,null,442]
[null,"Long-term investment strategy ",null,0,null,52,null,39.458321629899586,null,0,null,"-",null,90.796876723894258,null,95.406970806138489,null,64.593029193861511]
[null,"Assumption changes and experience variances",null,-15.69681399691695,null,65.761393358953754,null,0,null,0,null,10.394082094781087,null,60.458661456817893,null,-105,null,-29]
[null,"General Insurance income net of claims",null,0,null,0,null,0,null,192.32312237914604,null,0,null,192.32312237914604,null,208.10100101501391,null,209.89899898498609]
[null,"Total income",null,381.79488094830572,null,196.79305527327199,null,137,null,192.32312237914604,null,43.529076890410096,null,951.89845712103352,null,790,null,804]
[null,"Costs",null,-219.85224767745979,null,-71.546877912540154,null,-6.9849584,null,-69.48062251504075,null,0,null,-368.10074550504066,null,-328.59999992000002,null,-343.40000007999998]
[null,"Underlying profit",null,162,null,125.24617736073183,null,130,null,122.84249986410529,null,44,null,584,null,461.40000007999998,null,460.59999992000002]
[]
[null,"Underlying profit 30 June 20142",null,144,null,141,null,0,null,138,null,38,null,461]
[]
[1,"Other' is primarily income from return on free assets, interest expenses plus certain provisions."]
[2,"Full 2014 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 2015",null,null,null,null,null,null,null,null,null,null,null,"Half-year to 30 June 2014",null,"Half-year to 31 Dec 2014"]
[null,null,null,"Pensions & investments",null,"Protection & retirement",null,"Bulk annuities",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,"£m"]
[null,"Cash invested in new business",null,-91.13943742560636,null,-16.779961427129169,null,-105.40429010500715,null,0,null,0,null,-213.32368895774266,null,-153,null,-135]
[null,"Cash generated from existing business",null,279.98666141351043,null,105.2927162458092,null,63.301755424243247,null,0,null,32.570494136059239,null,481.15162721962213,null,395,null,366]
[null,"Cash generated from General Insurance",null,0,null,0,null,0,null,122.84249986410526,null,0,null,122.84249986410526,null,138,null,126]
[null,"Operating cash generation1",null,188.84722398790407,null,88,null,-42.102534680763902,null,122.84249986410526,null,32.570494136059239,null,390.67043812598473,null,380,null,357]
[null,"Intangibles and other adjustments2",null,-26.904590717058142,null,36.733422542051798,null,172,null,0,null,10.722543754350859,null,193.12727349000801,null,81,null,104]
[null,"Underlying profit",null,161.94263327084593,null,125.24617736073183,null,130.47336322989958,null,122.84249986410529,null,43.293037890410098,null,583.79771161599274,null,461,null,461]
[]
[null,"Operating cash generation 30 June 2014",null,143,null,36,null,0,null,138,null,63,null,380]
[]
[1,"Derived from IFRS underlying profit by removing the effect of movements in intangible (non-cash) items and assumption changes. "]
[null,"For 2015 reporting this measure has been refined to include the cash benefits from the 'long-term investments strategy'."]
[2,"Intangible items include the value of in-force life buisness,deferred acquisition costs and deferred income reserves."]

{"sheet":"24","index":14,"n_rows":34,"n_cols":11,"rows_kept":34,"cut":false,"hidden":false,"merged":[]}
[]
[null,"RUN-OFF"]
[]
[null,null,null,"Half-year to 30 June 2015",null,"Half-year to 30 June 2014",null,"Change","Half-year to 31 Dec 2014",null,"Change"]
[null,null,null,"£m ",null,"£m ",null,"%","£m ",null,"%"]
[null,null,null,null,null,null,null,null,null,""]
[null,"Net interest income",null,-19,null,-67,null,71.641791044776113,-49,"",61.224489795918366]
[null,"Other income",null,105,null,260,null,-59.615384615384613,191,"",-45.026178010471199]
[null,"Total income",null,86,null,193,null,-55.440414507772019,142,"",-39.436619718309856]
[null,"Operating costs",null,-74,null,-153,null,51.633986928104584,-126,"",41.269841269841265]
[null,"Operating lease depreciation",null,-7,null,-16,null,56.25,-13,null,46.153846153846153]
[null,"Costs",null,-81,null,-169,null,52.071005917159766,-139,null,41.726618705035975]
[null,"Impairment",null,32,null,-324,null,null,121,"",-73.553719008264466]
[null,"Underlying profit (loss)",null,37,null,-300,null,null,124,"",-70.161290322580655]
[]
[]
[null,"Key balance sheet items ",null,"At ",null,"At "]
[null,null,null,"30 June 2015",null,"31 Dec 2014",null,"Change"]
[null,null,null,"£bn",null,"£bn",null,"%"]
[]
[null,"Loans and advances to customers",null,12.2,null,14.4,null,-15.277777777777784]
[null,"Total assets",null,14.4,null,16.899999999999999,null,-14.792899408284013]
[null,"Risk-weighted assets",null,14.3,null,16.8,null,-14.880952380952381,null,""]
[null,null,null,null,null,null,null,null,null,""]
[]
[]
[null,"CENTRAL ITEMS"]
[null,null,null,"Half-year to 30 June 2015",null,"Half-year to 30 June 2014",null,"Half-year to 31 Dec 2014"]
[null,null,null,"£m ",null,"£m ",null,"£m "]
[]
[null,"Total underlying income",null,36,"",66,null,66]
[null,"Costs",null,38,"",-34,null,12]
[null,"Impairment",null,-1,"",0,null,-2]
[null,"Underlying profit (loss)",null,73,"",32,null,76]

{"sheet":"25","index":15,"n_rows":57,"n_cols":29,"rows_kept":57,"cut":false,"hidden":false,"merged":[[54,1,54,15],[55,1,55,15],[56,1,56,15],[1,1,1,15],[50,1,50,15],[51,1,51,15],[52,1,52,15],[53,1,53,15]]}
[]
[null,"ADDITIONAL INFORMATION"]
[]
[null,"RECONCILIATION BETWEEN STATUTORY AND UNDERLYING BASIS RESULTS"]
[]
[null,null,null,null,null,null,null,null,null,"Removal of:"]
[null,null,null,"Lloyds ",null,null,null,null,null,null,null,null,null,"PPI and "]
[null,"Half-year to 30 June 2015",null,"Banking ",null,"Asset",null,null,null,null,null,null,null,"other"]
[null,null,null,"Group ",null,"sales and ",null,null,null,null,null,"Insurance ",null,"regulatory",null,"Underlying "]
[null,null,null,"statutory ",null,"other  items1",null,"Simplification2",null,"TSB3",null,"gross up ",null,"provisions",null,"basis "]
[null,null,null,"£m ",null,"£m ",null,"£m ",null,"£m",null,"£m ",null,"£m ",null,"£m "]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"","","","","","","","","","",""]
[null,"Net interest income",null,5492,null,174,null,0,null,-192,null,241,null,0,null,5715,null,null,""]
[null,"Other income, net of insurance claims",null,3315,null,261,null,0,null,-36,null,-287,null,0,null,3253]
[null,"Total income",null,8807,null,435,null,0,null,-228,null,-46,null,0,null,8968]
[null,"Operating expenses4",null,-7453,null,180,null,32,null,836,null,46,null,1835,null,-4524]
[null,"Impairment",null,-161,null,-37,null,0,null,19,null,0,null,0,null,-179]
[null,"TSB",null,0,null,0,null,0,null,118,null,0,null,0,null,118]
[null,"Profit before tax",null,1193,null,578,null,32,null,745,null,0,null,1835,null,4383]
[]
[null,null,null,null,null,null,null,null,null,"Removal of:"]
[null,null,null,"Lloyds ",null,null,null,null,null,null,null,null,null,"PPI and "]
[null,"Half-year to 30 June 2014",null,"Banking ",null,"Asset",null,null,null,null,null,null,null,"other"]
[null,null,null,"Group ",null,"sales and ",null,null,null,null,null,"Insurance ",null,"regulatory",null,"Underlying "]
[null,null,null,"statutory ",null,"other  items5",null,"Simplification",null,"TSB6",null,"gross up ",null,"provisions",null,"basis "]
[null,null,null,"£m ",null,"£m ",null,"£m ",null,"£m",null,"£m ",null,"£m ",null,"£m "]
[]
[null,"Net interest income",null,5262,null,303,null,0,null,-400,null,239,null,0,null,5404]
[null,"Other income, net of insurance claims",null,2434,null,1328,null,0,null,-72,null,-314,null,0,null,3376]
[null,"Total income",null,7696,null,1631,null,0,null,-472,null,-75,null,0,null,8780]
[null,"Operating expenses4",null,-6192,null,-486,null,519,null,504,null,75,null,1100,null,-4480]
[null,"Impairment",null,-641,null,-117,null,0,null,51,null,0,null,0,null,-707]
[null,"TSB",null,0,null,0,null,0,null,226,null,0,null,0,null,226]
[null,"Profit before tax",null,863,null,1028,null,519,null,309,null,0,null,1100,null,3819]
[]
[null,null,null,null,null,null,null,null,null,"Removal of:"]
[null,null,null,"Lloyds ",null,null,null,null,null,null,null,null,null,"PPI and "]
[null,"Half-year to 31 Dec 2014 ",null,"Banking ",null,"Asset",null,null,null,null,null,null,null,"other"]
[null,null,null,"Group ",null,"sales and ",null,null,null,null,null,"Insurance ",null,"regulatory",null,"Underlying "]
[null,null,null,"statutory ",null,"other  items7",null,"Simplification",null,"TSB6",null,"gross up ",null,"provisions",null,"basis "]
[null,null,null,"£m ",null,"£m ",null,"£m ",null,"£m",null,"£m ",null,"£m ",null,"£m "]
[]
[null,"Net interest income",null,5398,null,316,null,0,null,-386,null,243,null,0,null,5571]
[null,"Other income, net of insurance claims",null,3305,null,132,null,22,null,-68,null,-300,null,0,null,3091]
[null,"Total income",null,8703,null,448,null,22,null,-454,null,-57,null,0,null,8662]
[null,"Operating expenses4",null,-7693,null,200,null,425,null,424,null,57,null,2025,null,-4562]
[null,"Impairment",null,-111,null,-331,null,"-",null,47,null,0,null,0,null,-395]
[null,"TSB",null,0,null,0,null,0,null,232,null,0,null,0,null,232]
[null,"Profit before tax",null,899,null,317,null,447,null,249,null,0,null,2025,null,3937]
[]
[1,"Comprises the effects of asset sales (loss of £52 million), volatile items (loss of £297 million), liability managment (loss of £6 million), volatility arising in insurance businesses (gain of £18 million), the ammorisation of purchased intangibles (loss of £164 million) and fair value unwind (loss of £77 million)."]
[2,"Comprises Simplification costs related to severance for the next phase of the programme."]
[3,"Comprises the underlying results of TSB, dual running and bulid costs and the charge relating to the disposal of TSB. "]
[4,"On an underlying basis, this is described as total costs."]
[5,"Comprises the effects of asset sales (gain of £94 million), volatile items (gain of £152 million), liability management (loss of £1,376 million), volatility arising in insurance buisnesses (loss of £122 million), the past service pension credit (gain of £710 million), the amortisation of purchased intangibles (loss of £171 million) and fair value unwind (loss of £315 million)."]
[6,"Comprises the underlying results of TSB, dual running and bulid costs."]
[7,"Comprises the effects of asset sales (gain of £44 million), volatile items (gain of £134 million), liability management (loss of £10 million), volatility arising in insurance buisnesses (loss of £106 million),  the amortisation of purchased intangibles (loss of £165 million) and fair value unwind (loss of £214 million)."]

{"sheet":"26","index":16,"n_rows":35,"n_cols":8,"rows_kept":35,"cut":false,"hidden":false,"merged":[]}
[]
[null,"ADDITIONAL INFORMATION (continued)"]
[]
[null,"BANKING NET INTEREST MARGIN"]
[]
[null,null,null,"Half-year to 30 June 2015",null,"Half-year to 30 June 2014",null,"Half-year to 31 Dec 2014"]
[null,null,null,"£m ",null,"£m ",null,"£m "]
[]
[null,"Banking net interest income – underlying basis",null,5789,null,5426,null,5633]
[null,"Insurance division",null,-73,null,-64,null,-67]
[null,"Other net interest income (including trading activity)",null,-1,null,42,null,5]
[null,"Net interest income – underlying basis excluding TSB",null,5715,null,5404,null,5571]
[null,"Asset sales and other items",null,-174,null,-303,null,-316]
[null,"TSB",null,192,null,400,null,386]
[null,"Insurance gross up",null,-241,null,-239,null,-243]
[null,"Group net interest income – statutory",null,5492,null,5262,null,5398]
[]
[null,null,null,"Half-year to 30 June 2015",null,"Half-year to 30 June 2014",null,"Half-year 31 Dec 2014 "]
[null,null,null,"£bn",null,"£bn",null,"£bn"]
[null,"Average loans and advances (gross)",null,457.3907563448779,null,477.4,null,468.8]
[null,"Non-banking assets and other adjustments1",null,-12.569384425835608,null,-11.8,null,-12.1]
[null,"Average interest-earning assets excluding TSB",null,444.82137191904235,null,465.6,null,456.68000791931524]
[]
[1,"Other includes adjustments for assets that are netted for interest earning purposes and reverse repos."]
[]
[null,"VOLATILITY ARISING IN INSURANCE BUSINESSES"]
[]
[null,null,null,"Half-year to 30 June 2015",null,"Half-year to 30 June 2014",null,"Half-year 31 Dec 2014"]
[null,null,null,"£m ",null,"£m ",null,"£m "]
[]
[null,"Insurance volatility",null,-109,null,-133,null,-86]
[null,"Policyholder interests volatility",null,83,null,43,null,-26]
[null,"Total volatility",null,-26,null,-90,null,-112]
[null,"Insurance hedging arrangements",null,44,null,-32,null,6]
[null,"Total",null,18,null,-122,null,-106]

{"sheet":"27","index":17,"n_rows":16,"n_cols":6,"rows_kept":16,"cut":false,"hidden":false,"merged":[]}
[null,"ADDITIONAL INFORMATION (continued)"]
[null,"Number of employees"]
[null,null,null,"At",null,"At"]
[null,null,null,"30 June 2015",null,"31 Dec 2014"]
[null,null,null,"£m ",null,"£m "]
[]
[null,"Retail",null,33130,null,35032]
[null,"Commercial Banking",null,6473,null,6212]
[null,"Consumer Finance",null,3413,null,3483]
[null,"Insurance",null,1963,null,2015]
[null,"Group operations, functions and run-off",null,33274,null,32407]
[null,"TSB",null,"-",null,7685]
[null,null,null,78253,null,86834]
[null,"Agency staff, interns and scholars",null,-2628,null,-2344]
[null,"Total number of employees (full-time equivalent)",null,75625,null,84490]
[null,"Total number of employees excluding TSB",null,null,null,76978]

{"sheet":"31","index":18,"n_rows":44,"n_cols":10,"rows_kept":44,"cut":false,"hidden":false,"merged":[]}
[]
[null,"CREDIT RISK PORTFOLIO (continued)"]
[]
[null,"Impairment charge by division"]
[]
[null,null,null,"Half-year to 30 June 2015",null,"Half-year to 30 June 2014",null,"Change since 30 June 2014",null,"Half-year to 31 Dec 2014"]
[null,"Group",null,"£m ",null,"£m ",null,"%",null,"£m "]
[]
[null,"Retail:",null,null,""]
[null,"Secured",null,49,null,94,null,47.872340425531917,null,187]
[null,"Loans and overdrafts",null,102,null,165,null,38.181818181818187,null,114]
[null,"Other",null,12,null,17,null,29.411764705882355,null,22]
[null,null,null,163,null,276,null,40.942028985507243,null,323]
[null,"Commercial Banking:"]
[null,"SME",null,-4,null,5,null,null,null,10]
[null,"Other",null,11,null,24,null,54.166666666666664,null,44]
[null,null,null,7,null,29,null,75.862068965517238,null,54]
[null,"Consumer Finance:"]
[null,"Credit Cards",null,21,null,69,null,69.565217391304344,null,117]
[null,"Asset Finance UK",null,21,null,8,null,null,null,22]
[null,"Asset Finance Europe",null,-2,null,1,null,null,null,-2]
[null,null,null,40,null,78,null,48.717948717948715,null,137]
[null,"Run-off:"]
[null,"Ireland retail",null,-2,null,13,null,null,null,-19]
[null,"Ireland commercial real estate",null,16,null,56,null,71.428571428571431,null,11]
[null,"Ireland corporate",null,59,null,182,null,67.582417582417591,null,65]
[null,"Corporate real estate and other corporate",null,-52,null,92,null,null,null,-120]
[null,"Specialist finance",null,-25,null,30,null,null,null,-8]
[null,"Other",null,-28,null,-49,null,-42.857142857142854,null,-50]
[null,null,null,-32,null,324,null,null,null,-121]
[null,"Central items",null,1,null,0,null,null,null,2]
[null,"Total impairment charge",null,179,null,707,null,74.681753889674681,null,395]
[]
[null,"Impairment charge as a % of average advances",null,8.7774432583944144E-4,null,3.0000000000000001E-3,null,"(21)bp",null,1.6999999999999999E-3]
[]
[null,"Total impairment charge comprises:"]
[null,null,null,"Half-year to 30 June 2015",null,"Half-year to 30 June 2014",null,null,null,"Half-year to 31 Dec 2014"]
[null,null,null,"£m ",null,"£m ",null,null,null,"£m "]
[]
[null,"Loans and advances to customers",null,198,null,705,null,null,null,380]
[null,"Debt securities classified as loans and receivables ",null,-2,null,0,null,null,null,2]
[null,"Available-for-sale financial assets",null,0,null,2,null,null,null,3]
[null,"Other credit risk provision",null,-17,null,"-",null,null,null,10]
[null,"Total impairment charge",null,179,null,707,null,null,null,395]

{"sheet":"32","index":19,"n_rows":39,"n_cols":11,"rows_kept":39,"cut":false,"hidden":false,"merged":[[37,1,37,10],[38,1,38,10],[36,1,36,8]]}
[]
[null,"CREDIT RISK PORTFOLIO (continued)"]
[]
[null,"Group impaired loans and provisions "]
[null,"At 30 June 2015",null,"Loans and advances to customers ",null,"Impaired loans ",null,"Impaired loans as a % of closing advances ",null,"Impairment provisions1","Impairment provisions as a % of impaired loans2"]
[null,null,null,"£m ",null,"£m ",null,"% ",null,"£m ","% "]
[]
[null,"Retail:"]
[null,"Secured",null,301044,null,3880,null,1.2888481417998698,null,1414,36.44329896907216]
[null,"Loans and overdrafts",null,10149,null,641,null,6.315893191447433,null,195,78.94736842105263]
[null,"Other",null,3775,null,280,null,7.4172185430463582,null,48,18.972332015810274]
[null,null,null,314968,null,4801,null,1.5242818318051359,null,1657,37.831050228310502]
[null,"Commercial Banking:"]
[null,"SME",null,29016,null,1352,null,4.6594982078853047,null,264,19.526627218934912]
[null,"Other",null,72319,null,1357,null,1.8764086892794425,null,919,67.722918201915988]
[null,null,null,101335,null,2709,null,2.6733112942221346,null,1183,43.669250645994836]
[null,"Consumer Finance:"]
[null,"Credit Cards",null,9189,null,424,null,4.614212645554467,null,156,78.787878787878782]
[null,"Asset Finance UK",null,8386,null,154,null,1.8363939899833055,null,117,75.974025974025977]
[null,"Asset Finance Europe",null,4516,null,45,null,0.99645704162976079,null,21,46.666666666666664]
[null,null,null,22091,null,623,null,2.8201530034855824,null,294,74.05541561712846]
[null,"Run-off:"]
[null,"Ireland retail",null,3984,null,121,null,3.0371485943775101,null,119,98.347107438016536]
[null,"Ireland commercial real estate",null,1411,null,1326,null,93.975903614457835,null,1151,86.802413273001505]
[null,"Ireland corporate",null,1247,null,1105,null,88.612670408981558,null,935,84.615384615384613]
[null,"Corporate real estate and other corporate",null,2623,null,1147,null,43.728555089592071,null,691,60.244115082824756]
[null,"Specialist finance",null,4942,null,530,null,10.724403075677863,null,366,69.056603773584897]
[null,"Other",null,1386,null,118,null,8.5137085137085133,null,121,102.54237288135593]
[null,null,null,15593,null,4347,null,27.87789392676201,null,3383,77.823786519438698]
[null,"Reverse repos and other items3",null,5329,null,"-",null,"-",null,"-","-"]
[null,"Total gross lending",null,459316,null,12480,null,2.7170836635344728,null,6517,55.074790839178569]
[null,"Impairment provisions",null,-6517]
[null,"Fair value adjustments4",null,-372]
[null,"Total Group",null,452427]
[]
[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 (£394 million in Retail loans and overdrafts, £27 million in Retail other and £226 million in Consumer Finance credit cards)."]
[3,"Includes £5.1 billion (31 December 2014: £4.4 billion) of lower risk loans transferred from Commercial Banking and Retail divisions into Insurance division's shareholder funds to support the Insurance division's annuity portfolio."]
[4,"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, 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 £37 million for the period ended 30 June 2015 (30 June 2014: £90 million).  The fair value unwind in respect of loans and advances is expected to continue to decrease in future years as fixed-rate periods on mortgages expire, loans are repaid or written-off, and will reduce to zero over time."]

{"sheet":"33","index":20,"n_rows":41,"n_cols":12,"rows_kept":41,"cut":false,"hidden":false,"merged":[[38,1,38,11],[39,1,39,11],[40,1,40,11]]}
[]
[null,"CREDIT RISK PORTFOLIO (continued)"]
[]
[null,"Group impaired loans and provisions (continued)"]
[]
[]
[null,"At 31 December 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,303121,null,3911,null,1.3,null,1446,null,37]
[null,"Loans and overdrafts",null,10395,null,695,null,6.7,null,220,null,85.3]
[null,"Other",null,3831,null,321,null,8.4,null,68,null,23.1]
[null,null,null,317347,null,4927,null,1.6,null,1734,null,38.800000000000004]
[null,"Commercial Banking:"]
[null,"SME",null,28256,null,1546,null,5.5,null,398,null,25.7]
[null,"Other",null,74203,null,1695,null,2.2999999999999998,null,1196,null,70.599999999999994]
[null,null,null,102459,null,3241,null,3.2,null,1594,null,49.2]
[null,"Consumer Finance:"]
[null,"Credit Cards",null,9119,null,499,null,5.5,null,166,null,76.5]
[null,"Asset Finance UK",null,7204,null,160,null,2.1999999999999997,null,112,null,70]
[null,"Asset Finance Europe",null,4950,null,61,null,1.2,null,31,null,50.8]
[null,null,null,21273,null,720,null,3.4000000000000004,null,309,null,70.5]
[null,"Run-off:"]
[null,"Ireland retail",null,4464,null,120,null,2.7,null,141,null,117.5]
[null,"Ireland commercial real estate",null,1797,null,1659,null,92.300000000000011,null,1385,null,83.5]
[null,"Ireland corporate",null,1639,null,1393,null,85,null,1095,null,78.600000000000009]
[null,"Corporate real estate and other corporate",null,3947,null,1548,null,39.200000000000003,null,911,null,58.9]
[null,"Specialist finance",null,4835,null,364,null,7.5,null,254,null,69.8]
[null,"Other",null,1634,null,131,null,8,null,141,null,107.6]
[null,null,null,18316,null,5215,null,28.499999999999996,null,3927,null,75.3]
[null,"TSB",null,21729,null,205,null,0.89999999999999991,null,88,null,42.9]
[null,"Reverse repos and other items3",null,9635]
[null,"Total gross lending",null,490759,null,14308,null,2.9000000000000004,null,7652,null,56.399999999999991]
[null,"Impairment provisions",null,-7652]
[null,"Fair value adjustments",null,-403]
[null,"Total Group",null,482704]
[]
[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 (£437 million in Retail loans and overdrafts, £26 million in Retail other and £282 million in Consumer Finanance credit cards)."]
[3,"Includes £4.4 billion of lower risk loans (social housing, infrastructure and education) transferred from Commmercial Banking division into Insurance division's shareholder funds to support the groups annuity portfolio."]

{"sheet":"34","index":21,"n_rows":35,"n_cols":18,"rows_kept":35,"cut":false,"hidden":false,"merged":[[24,15,25,17],[25,11,25,13],[25,3,25,5],[24,7,25,9]]}
[]
[null,"CREDIT RISK PORTFOLIO (continued)"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"At",null,"At "]
[null,"Retail secured and unsecured loans and advances to customers.",null,null,null,null,null,null,null,null,null,null,null,null,null,"30 June 2015",null,"31 Dec 2014"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"2015",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,226174,null,228176]
[null,"Buy to let",null,null,null,null,null,null,null,null,null,null,null,null,null,54172,null,53322]
[null,"Specialist1",null,null,null,null,null,null,null,null,null,null,null,null,null,20698,null,21623]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,301044,null,303121]
[]
[null,"Loans",null,null,null,null,null,null,null,null,null,null,null,null,null,8068,null,8204]
[null,"Overdrafts",null,null,null,null,null,null,null,null,null,null,null,null,null,2081,null,2191]
[null,"Wealth",null,null,null,null,null,null,null,null,null,null,null,null,null,2895,null,2962]
[null,"Retail Business Banking",null,null,null,null,null,null,null,null,null,null,null,null,null,880,null,869]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,13924,null,14226]
[]
[null,"Total",null,null,null,null,null,null,null,null,null,null,null,null,null,314968,null,317347]
[]
[1,"Specialist lending has been closed to new business since 2009."]
[]
[]
[null,"Retail mortgages greater than three months in arrears (excluding repossessions)"]
[null,null,null,null,null,null,null,"Total mortgage accounts %",null,null,null,null,null,null,null,"Total mortgage balances %"]
[null,null,null,"Number of cases",null,null,null,null,null,null,null,"Value of loans1"]
[null,null,null,"June 2015",null,"Dec 2014",null,"June 2015",null,"Dec 2014",null,"June 2015",null,"Dec 2014",null,"June 2015",null,"Dec 2014"]
[null,null,null,"Cases ",null,"Cases ",null,"% ",null,"% ",null,"£m ",null,"£m ",null,"% ",null,"% "]
[]
[null,"Mainstream",null,36556,"",37849,"",1.6429537392298577,"",1.7,"",3960,"",4102,"",1.7531300401384224,"",1.8]
[null,"Buy to let",null,5147,"",5077,"",1.0678068777799907,"",1.1000000000000001,"",651,"",658,"",1.196912694790458,"",1.2]
[null,"Specialist",null,9252,"",9429,"",6.3727347242407753,"",6.3,"",1558,"",1584,"",7.537602076281896,"",7.3]
[null,"Total",null,50955,"",52355,"",1.7865069030584662,"",1.8,"",6169,"",6344,"",2.0497370233597958,"",2.1]
[]
[1,"Value of loans represents total book value of mortgages more than three months in arrears."]

{"sheet":"35","index":22,"n_rows":42,"n_cols":16,"rows_kept":42,"cut":false,"hidden":false,"merged":[]}
[]
[null,"CREDIT RISK PORTFOLIO (continued)"]
[]
[null,"Retail (continued)"]
[]
[null,"Period end and average LTVs across the Retail mortgage portfolios"]
[]
[null,"At 30 June 2015",null,null,null,"Mainstream ",null,"Buy to let ",null,"Specialist",null,"Total ",null,"Unimpaired",null,"Impaired"]
[null,null,null,null,null,"% ",null,"% ",null,"% ",null,"% ",null,"% ",null,"% "]
[]
[null,"Less than 60%",null,null,null,52.900000000000006,null,44.5,null,40.999999999999993,null,50.6,null,50.9,null,30]
[null,"60% to 70%",null,null,null,21.1,null,29.299999999999997,null,21.2,null,22.5,null,22.6,null,18.100000000000001]
[null,"70% to 80%",null,null,null,15.4,null,14.099999999999998,null,17.5,null,15.299999999999999,null,15.299999999999999,null,18.600000000000001]
[null,"80% to 90%",null,null,null,7.6,null,8.9,null,12.3,null,8.2000000000000011,null,8.1,null,13.900000000000002]
[null,"90% to 100%",null,null,null,2.1,null,2.1,null,4.2,null,2.1999999999999997,null,2.1,null,9.2999999999999989]
[null,"Greater than 100%",null,null,null,0.89999999999999991,null,1.1000000000000001,null,3.8,null,1.2,null,1,null,10.100000000000001]
[null,"Total",null,null,null,100,null,99.999999999999986,null,99.999999999999986,null,100,null,99.999999999999986,null,100]
[]
[null,"Outstanding loan value (£m)",null,null,null,226173.76257780328,null,54172.280625963351,null,20697.760209952481,null,301043.80341371999,null,297164.24565033999,null,3879.5577633800003]
[null,"Average loan to value:1",null,null,null,"","","","","","",""]
[null,"Stock of residential mortgages",null,null,null,43.335258574364374,null,56.680507358675179,null,54.42503151445807,null,45.933176525410758]
[null,"New residential lending",null,null,null,65.035229882729254,null,62.723178855219707,null,"n/a",null,64.560796155545219]
[null,"Impaired mortgages",null,null,null,55.289999999999992,null,74.350000000000009,null,67.320000000000007,null,59.870000000000005]
[]
[null,"At 31 December 2014",null,null,null,"Mainstream ",null,"Buy to let ",null,"Specialist",null,"Total ",null,"Unimpaired",null,"Impaired"]
[null,null,null,null,null,"% ",null,"% ",null,"% ",null,"% ",null,"% ",null,"% "]
[]
[null,"Less than 60%",null,null,null,44.6,null,32.4,null,31.4,null,41.5,null,41.7,null,22.5]
[null,"60% to 70%",null,null,null,19.899999999999999,null,27.3,null,19.5,null,21.2,null,21.3,null,15.3]
[null,"70% to 80%",null,null,null,18.5,null,21.8,null,19.8,null,19.2,null,19.2,null,17.8]
[null,"80% to 90%",null,null,null,10.6,null,9.4,null,14.9,null,10.7,null,10.6,null,16.7]
[null,"90% to 100%",null,null,null,4.5,null,6.8,null,8.6999999999999993,null,5.2,null,5.2,null,11.9]
[null,"Greater than 100%",null,null,null,1.9,null,2.2999999999999998,null,5.7,null,2.2000000000000002,null,2,null,15.8]
[null,"Total",null,null,null,100,"",100,"",100.00000000000001,"",100.00000000000001,null,100,null,100]
[]
[null,"Outstanding loan value (£m)",null,null,null,228176,null,53322,null,21623,null,303121,null,299210,null,3911]
[null,"Average loan to value:1",null,null,null,"","","","","","",""]
[null,"Stock of residential mortgages",null,null,null,46.3,null,61.3,null,59.2,null,49.2]
[null,"New residential lending",null,null,null,65.3,null,62.7,null,"n/a",null,64.8]
[null,"Impaired mortgages",null,null,null,60.1,null,81,null,72.599999999999994,null,64.900000000000006]
[]
[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":"38","index":23,"n_rows":38,"n_cols":16,"rows_kept":38,"cut":false,"hidden":false,"merged":[[7,9,7,11],[7,5,7,7],[7,13,7,15],[24,5,24,7],[24,9,24,11],[24,13,24,15]]}
[]
[null,"CREDIT RISK PORTFOLIO (continued)"]
[]
[null,"Run-off (continued)"]
[]
[null,"Ireland retail mortgage LTV analysis "]
[]
[null,"At 30 June 2015",null,null,null,"Unimpaired",null,null,null,"Impaired",null,null,null,"Total "]
[null,null,null,null,null,"£m",null,"% ",null,"£m",null,"% ",null,"£m",null,"%"]
[]
[null,"Less than 60%",null,null,null,877.59406638850942,null,22.7,null,17.447897730604584,null,14.1,null,895.04196411911403,null,22.5]
[null,"60% to 70%",null,null,null,321.61475464313401,null,8.3000000000000007,null,4.6688559197795101,null,4.0999999999999996,null,326.28361056291351,null,8.1999999999999993]
[null,"70% to 80%",null,null,null,373.38434626887715,null,9.6999999999999993,null,6.0737700111417334,null,5,null,379.45811628001888,null,9.5]
[null,"80% to 100%",null,null,null,842.73392534061952,null,21.8,null,18.845716296252856,null,15.7,null,861.57964163687234,null,21.6]
[null,"100% to 120%",null,null,null,842.39873167669759,null,21.8,null,15.553016302116927,null,13.2,null,857.95174797881452,null,21.5]
[null,"120% to 140%",null,null,null,444.86617804526827,null,11.5,null,17.171172227760508,null,14.1,null,462.03735027302878,null,11.6]
[null,"Greater than 140%",null,null,null,160.40799763689401,null,4.2,null,41.118571512343863,null,33.799999999999997,null,201.52656914923787,null,5.0999999999999996]
[null,"Total",null,null,null,3863,null,100,null,120.87899999999998,null,100,null,3983.8789999999999,null,100]
[null,"Average loan to value:"]
[null,"Stock of residential mortgages",null,null,null,null,null,null,null,null,null,null,null,null,null,89.47]
[null,"Impaired mortgages",null,null,null,null,null,null,null,null,null,null,null,null,null,151.18]
[]
[]
[]
[null,"At 31 December 2014",null,null,null,"Unimpaired",null,null,null,"Impaired",null,null,null,"Total "]
[null,null,null,null,null,"£m",null,"% ",null,"£m",null,"% ",null,"£m",null,"%"]
[]
[null,"Less than 60%",null,null,null,979,null,22.5,null,18,null,15.2,null,997,null,22.4]
[null,"60% to 70%",null,null,null,356,null,8.1999999999999993,null,4,null,3.4,null,360,null,8.1]
[null,"70% to 80%",null,null,null,425,null,9.8000000000000007,null,4,null,3.4,null,429,null,9.6]
[null,"80% to 100%",null,null,null,925,null,21.3,null,14,null,11.9,null,939,null,21]
[null,"100% to 120%",null,null,null,933,null,21.5,null,15,null,12.7,null,948,null,21.2]
[null,"120% to 140%",null,null,null,505,null,11.6,null,14,null,11.9,null,519,null,11.6]
[null,"Greater than 140%",null,null,null,221,null,5.0999999999999996,null,49,null,41.5,null,270,null,6.1]
[null,"Total",null,null,null,4344,null,99.999999999999986,null,118,null,100,null,4462,null,99.999999999999986]
[null,"Average loan to value:"]
[null,"Stock of residential mortgages",null,null,null,null,null,null,null,null,null,null,null,null,null,88.5]
[null,"Impaired mortgages",null,null,null,null,null,null,null,null,null,null,null,null,null,124.7]

{"sheet":"39","index":24,"n_rows":23,"n_cols":14,"rows_kept":23,"cut":false,"hidden":false,"merged":[[5,3,7,5],[5,7,7,9],[5,11,7,13],[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 2015",null,"At Dec 2014",null,"At June 2015",null,"At Dec 2014",null,"At June 2015",null,"At Dec 2014"]
[null,null,null,"£m",null,"£m",null,"£m",null,"£m",null,"%",null,"%"]
[null,"UK secured lending:"]
[null,"Temporary forbearance arrangements"]
[null,"Reduced contractual monthly payment",null,82,null,146,null,9,null,29,null,2.1,null,6]
[null,"Reduced payment arrangements",null,428,null,552,null,55,null,69,null,4.4000000000000004,null,3.4]
[null,null,null,510,null,698,null,64,null,98,null,4,null,4]
[null,"Permanent treatments"]
[null,"Repair and term extensions",null,3263,null,3696,null,159,null,168,null,4.5,null,3.5]
[null,"Total",null,3773,null,4394,null,223,null,266,null,4.4000000000000004,null,3.5]
[]
[null,"UK unsecured lending:"]
[null,"Loans and overdrafts",null,146.97537778999998,null,162,null,119.85308777,null,139,null,37.169420665606872,null,39.4]
[]
[1,"£3,550million of current and recent forborne UK secured loans and advances were not impaired at 30 June 2015 (31 December 2014: £4,128 million). £27 million of current and recent forborne loans and overdrafts were not impaired at 30 June 2015 (31 December 2014: £23 million)."]

{"sheet":"40","index":25,"n_rows":17,"n_cols":6,"rows_kept":17,"cut":false,"hidden":false,"merged":[[3,2,3,3],[3,5,3,7]]}
[]
[null,"CREDIT RISK PORTFOLIO (continued)"]
[]
[null,"Commercial Banking forbearance"]
[null,null,null,"30 June 2015",null,"30 June 2014"]
[null,null,null,"£m",null,"£m"]
[]
[null,"Type of unimpaired forbearance:"]
[null,"UK1 exposures > £5 million"]
[null,"Covenants",null,421,null,1018]
[null,"Extensions",null,333,null,426]
[null,"Multiple",null,72,null,6]
[null,null,null,826,null,1450]
[null,"Exposures <£5 million and other non-UK1",null,392,null,446]
[null,"Total",null,1218,null,1896]
[]
[1,"Based on location of the office recording the transaction."]

{"sheet":"40.1","index":26,"n_rows":15,"n_cols":10,"rows_kept":15,"cut":false,"hidden":false,"merged":[[6,2,6,3],[6,5,6,6],[6,8,6,9],[14,1,14,9]]}
[]
[null,"CREDIT RISK PORTFOLIO (continued)"]
[]
[null,"Consumer Finance forbearance"]
[]
[null,"Analysis of the forborne loan balances"]
[null,null,"Total loans and advances which are forborne",null,null,"Total forborne loans and advances which are impaired1",null,null,"Impairment provisions as % of loans and advances which are forborne"]
[null,null,"30 June 2015","31 Dec 2014",null,"30 June 2015","31 Dec 2014",null,"30 June 2015","31 Dec 2014"]
[null,null,"£m","£m",null,"£m","£m",null,"%","%"]
[]
[null,"Consumer Credit Cards",234.27318441,234,null,127.18017253999999,140,null,26.367699894203199,29.1]
[null,"Asset Finance1",103.05343540000001,109,null,51.643081410000001,53,null,25.779118965693399,20.5]
[]
[]
[1,"£158 million of current and recent forborne loans and advances (Consumer Credit Cards: £107 million, Asset Finance: £51 million) were not impaired at 30 June 2015 (31 December 2014: Consumer Credit Cards: £94 million, Asset Finance: £56 million)."]

{"sheet":"41","index":27,"n_rows":17,"n_cols":13,"rows_kept":17,"cut":false,"hidden":false,"merged":[[6,2,6,4],[6,6,6,8],[6,10,6,12]]}
[]
[null,"CREDIT RISK PORTFOLIO (continued)"]
[]
[null,"Run-off forbearance"]
[]
[]
[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,"30 June 2015",null,"31 Dec 2014",null,"30 June 2015",null,"31 Dec 2014",null,"30 June 2015",null,"31 Dec 2014"]
[null,null,"£m",null,"£m",null,"£m",null,"£m",null,"%",null,"%"]
[null,"Ireland secured lending:"]
[null,"Temporary forbearance arrangements",null,null,null,0]
[null,"Reduced payment arrangements",35,null,41,null,26,null,28,null,35.200000000000003,null,34]
[null,"Permanent treatments"]
[null,"Repair and term extensions",175,0,239,null,10,null,13,null,9.8000000000000007,null,9.1]
[null,"Total",210,null,280,null,36,null,41,null,14.1,null,12.7]
[]
[1,"£174 million of current and recent forborne loans and advances were not impaired at 30 June 2015 (31 December 2014: £239 million)."]

{"sheet":"41.1","index":28,"n_rows":18,"n_cols":6,"rows_kept":18,"cut":false,"hidden":false,"merged":[[5,5,6,5]]}
[]
[null,"CREDIT RISK PORTFOLIO (continued)"]
[]
[null,"Run-off forbearance (continued)"]
[]
[null,null,null,null,null,"31 Dec 2014"]
[null,null,null,"30 June 2015"]
[null,null,null,"£m",null," £m"]
[null,"Type of unimpaired forbearance"]
[null,"UK1 exposures > £5 million"]
[null,"Covenants",null,6,null,0]
[null,"Extensions",null,0,null,47]
[null,"Multiple",null,24,null,24]
[null,null,null,30,null,71]
[null,"Exposures <£5 million and other non-UK1",null,18,null,15]
[null,"Total",null,48,null,86]
[]
[1,"Based on location of the office recording the transaction."]

{"sheet":"43","index":29,"n_rows":43,"n_cols":8,"rows_kept":43,"cut":false,"hidden":false,"merged":[[35,1,35,7],[41,1,41,7],[42,1,42,7],[36,1,36,7],[37,1,37,7],[38,1,38,7],[39,1,39,7],[40,1,40,7]]}
[]
[null,"FUNDING AND LIQUIDITY MANAGEMENT (continued)"]
[]
[null,"Group funding position",null,"At 30 June 2015",null,"At 31 Dec 2014",null,"Change "]
[null,null,null,"£bn ",null,"£bn ",null,"% "]
[null,"Funding requirement"]
[null,"Loans and advances to customers1",null,452.30343634183993,"",477.6,"",-5.2966004309380432]
[null,"Loans and advances to banks2",null,4.843885121199996,"",3,"",60]
[null,"Debt securities",null,1.569,"",1.2,"",33]
[null,"Reverse repurchase agreements",null,0,"",0,"","-"]
[null,"Available-for-sale financial assets – secondary3",null,5.0730000000000004,"",8,"",-36]
[null,"Cash balances4",null,4.2769580000000005,"",3.6,"",18.804388888888898]
[null,"Funded assets",null,468.0662794630399,"",493.40000000000003,"",-5.1345197683340347]
[null,"Other assets5",null,253.13697807474983,"",265.2,"",-4.548650801376378]
[null,null,null,721.2032575377898,"",758.6,"",-4.9297050437925423]
[null,"On balance sheet primary liquidity assets6",null,null,"",null,""]
[null,"Reverse repurchase agreements",null,0.49972185316999995,"",7,"",-92.861116383285719]
[null,"Balances at central banks – primary4",null,63.410041999999997,"",46.9,"",35.202648187633265]
[null,"Available-for-sale financial assets – primary",null,27.1,"",48.5,"",-44.123711340206185]
[null,"Held to maturity financial assets - primary",null,19.960020524000001,null,"-"]
[null,"Trading and fair value through profit and loss",null,-3.0764811390100064,"",-6.1,"",-49]
[null,"Repurchase agreements",null,-6.2641871779999994,"",0,""]
[null,null,null,101.62911606016,"",96.300000000000011,"",5.5338692213499368]
[null,"Total Group assets",null,822.83237359794975,"",854.90000000000009,"",-3.7510382971166609]
[null,"Less: Other liabilities5",null,-241.96858824794984,"",-240.3,"",0.69437713189755612]
[null,"Funding requirement",null,580.76378534999992,"",614.60000000000014,"",-5]
[null,"Funded by",null,null,"",null,""]
[null,"Customer deposits7",null,416.53852328099993,"",447.1,"",-6.8354902077835149]
[null,"Wholesale funding8",null,116,"",116.5,"","-"]
[null,null,null,532.53852328099993,"",563.6,"",-5.5112627251597051]
[null,"Repurchase agreements",null,0.28426206900000001,"",1.1000000000000001,"",-73]
[null,"Total equity",null,48.040999999999997,"",49.9,"",-3.7254509018036104]
[null,"Total funding",null,580.76378534999992,"",614.6,"",-5]
[]
[]
[1,"Excludes £0.1 billion (31 December 2014: £5.1 billion) of reverse repurchase agreements."]
[2,"Excludes £18.3 billion (31 December 2013: £21.3 billion) of loans and advances to banks within the Insurance business and £0.4 billion (31 December 2013: £1.9 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 30 June 2015 of £0.1 billion (31 December 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":"44","index":30,"n_rows":44,"n_cols":22,"rows_kept":44,"cut":false,"hidden":false,"merged":[[42,1,42,21],[43,1,43,21],[5,6,5,7]]}
[]
[null,"FUNDING AND LIQUIDITY MANAGEMENT (continued)"]
[]
[null,"Reconciliation of Group funding to the balance sheet"]
[]
[null,"At 30 June 2015",null,"Included in funding analysis",null,"Repos ","Fair value and other accounting methods",null,null,"Balance sheet"]
[null,null,null,"£bn ",null,"£bn ",null,"£bn ",null,"£bn "]
[]
[null,"Deposits from banks",null,8.9,null,8.0641871775600009,null,0,null,16.966000000000001]
[null,"Debt securities in issue",null,84,null,0,null,-6.2240000000000038,null,77.775999999999996]
[null,"Subordinated liabilities",null,23.1,null,0,null,-0.46100000000000207,null,22.638999999999999]
[null,"Total wholesale funding",null,116,null,8.0641871775600009]
[null,"Customer deposits",null,416.53852328099993,null,5.6476719000000002E-2,null,0,null,416.59500000000003]
[null,"Total",null,532.53852328099993,null,8.2206638965600014]
[]
[null,"At 31 December 2014",null,"Included in funding analysis",null,"Repos ",null,"Fair value and other accounting methods",null,"Balance sheet"]
[null,null,null,"£bn ",null,"£bn ",null,"£bn ",null,"£bn "]
[]
[null,"Deposits from banks",null,9.8000000000000007,null,1.1000000000000001,null,0,null,10.9]
[null,"Debt securities in issue",null,80.599999999999994,null,0,null,-4.4000000000000004,null,76.2]
[null,"Subordinated liabilities",null,26.1,null,0,null,-0.1,null,26]
[null,"Total wholesale funding",null,116.5,null,1.1000000000000001]
[null,"Customer deposits",null,447.1,null,0,null,0,null,447.1]
[null,"Total",null,563.6,null,1.1000000000000001,"",null,""]
[]
[]
[null,"Analysis of 2015 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 2015",null,"Total at 31 Dec 2014"]
[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,6.8,null,1.1000000000000001,null,0.3,null,0.3,null,0,null,0.1,null,0,null,0.3,null,8.9000000000000021,"",9.7999999999999989]
[null,"Debt securities in issue:",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,""]
[null,"Certificates of deposit",null,1,null,2.5,null,1.2999999999999998,null,3.1,null,1,null,0,null,0,null,0,null,8.9,"",6.8]
[null,"Commercial paper",null,2.4,null,2.6,null,0.3,null,0.4,null,0.2,null,0,null,0,null,0,null,5.9,"",7.2999999999999989]
[null,"Medium-term notes1",null,0.8,null,1.1000000000000001,null,1.2,null,1.5,null,1.9,null,4.8,null,10.8,null,11.9,null,34,"",29.2]
[null,"Covered bonds",null,1.2,null,0,null,0,null,0,null,1.2,null,6.7,null,4.5,null,10.6,null,24.2,"",25.200000000000003]
[null,"Securitisation",null,0.5,null,1.3,null,2,null,1.1000000000000001,null,0.6,null,2.7,null,1.8,null,1,null,11,"",12.100000000000001]
[null,null,null,5.9,null,7.4999999999999991,null,4.8,null,6.1,null,4.8999999999999995,null,14.2,null,17.100000000000001,null,23.5,null,84,"",80.599999999999994]
[null,"Subordinated liabilities",null,0,null,0.6,null,0.2,null,0.2,null,0.2,null,3.3,null,6.5,null,12.1,null,23.1,"",26.1]
[null,"Total wholesale funding2",null,12.7,null,9.1999999999999993,null,5.3,null,6.6,null,5.0999999999999996,null,17.599999999999998,null,23.6,null,35.9,null,116,"",116.5]
[]
[1,"Medium-term notes include funding from the National Loan Guarantee Scheme (30 June 2015: £1.4 billion; 31 December 2014: £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":"45","index":31,"n_rows":15,"n_cols":12,"rows_kept":15,"cut":false,"hidden":false,"merged":[]}
[]
[null,"FUNDING AND LIQUIDITY MANAGEMENT (continued)"]
[]
[null,"Analysis of 2015 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,0.89914117964999996,null,0,null,0,null,1.5991411796499999]
[null,"Medium-term notes",null,0.25,null,3.5311794972706734,null,1.7530500000695091,null,0.81658000005613296,null,6.3508094973963152]
[null,"Covered bonds",null,1.5,null,0,null,0,null,0,null,1.5]
[null,"Private placements1",null,0.70948999999999995,null,1.3486900000000002,null,1.31006,null,0,null,3.2682399999999996]
[null,"Subordinated liabilities",null,0,null,0,null,0,null,0,null,0]
[null,"Total issuance",null,3.1594899999999999,null,5.6790106769206741,null,3.0631100000695088,null,0.81658000005613296,null,12.8]
[]
[1,"Private placements include structured bonds and term repurchase agreements (repos)."]

{"sheet":"45.1","index":32,"n_rows":27,"n_cols":10,"rows_kept":27,"cut":false,"hidden":false,"merged":[]}
[]
[null,"FUNDING AND LIQUIDITY MANAGEMENT (continued)"]
[]
[]
[null,"Primary liquidity",null,"At 30 June 2015",null,"At 31 Dec 2014",null,"Average 2015",null,"Average 2014"]
[null,null,null,"£bn ",null,"£bn ",null,"£bn ",null,"£bn "]
[]
[null,"Central bank cash deposits",null,63.410041999999997,"",46.9,"",64.611704500000002,"",62.3]
[null,"Government bonds/MDB bonds1",null,45.572445000000009,"",62.4,"",47.550209500000001,"",47.9]
[null,"Total",null,108.98248700000001,"",109.3,"",112.161914,"",110.19999999999999]
[]
[null,"Secondary liquidity"]
[null,null,null,"At 30 June 2015",null,"At 31 Dec 2014",null,"Average 2015",null,"Average 2014"]
[null,null,null,"£bn ",null,"£bn ",null,"£bn ",null,"£bn "]
[]
[null,"High-quality ABS/covered bonds2",null,3.425573,"",3.9,"",3.7269208333333332,"",3.6]
[null,"Credit institution bonds2",null,0.12292699999999999,"",0.9,"",0.63622916666666673,"",1.4]
[null,"Corporate bonds2",null,0.186476,"",0.6,"",0.53772366666666671,"",0.3]
[null,"Own securities (retained issuance)",null,16.388767000000001,"",20.6,"",17.822833666666668,"",22.2]
[null,"Other securities",null,5.727544,"",5.7,"",5.9689226666666668,"",5.5]
[null,"Other3",null,62.651975330079985,"",67.5,"",66.67290009142998,"",74.099999999999994]
[null,"Total",null,88.503262330079991,"",99.2,"",95.265530091429994,"",107.1]
[null,"Total liquidity",null,197.48574933008001,"",208.5,"","","",""]
[]
[1,"Designated multilateral development bank (MDB)."]
[2,"Assets rated A- or above."]
[3,"Includes other central bank eligible assets."]

{"sheet":"48","index":33,"n_rows":56,"n_cols":12,"rows_kept":56,"cut":false,"hidden":false,"merged":[[2,4,3,6],[2,8,3,10],[54,1,54,10],[55,1,55,10]]}
[]
[null,"CAPITAL MANAGEMENT (continued)"]
[null,null,null,null,"Transitional",null,null,null,"Fully loaded position"]
[]
[null,"Capital resources",null,null,"At 30 June 2015",null,"At 31 Dec 2014",null,"At 30 June 2015",null,"At 31 Dec 2014"]
[null,null,null,null,"£m ",null,"£m ",null,"£m ",null,"£m "]
[]
[null,"Common equity tier 1"]
[null,"Shareholders’ equity per balance sheet",null,null,42256,"",43335,null,42256,null,43335,""]
[null,null,"Adjustment to retained earnings for foreseeable dividends",null,-535,null,-535,null,-535,null,-535]
[null,null,"Deconsolidation of insurance entities1",null,-1262,"",-824,null,-1262,null,-824]
[null,null,"Adjustment for own credit ",null,116,"",158,null,116,null,158]
[null,"Regulatory adjustments to non-controlling interests ","Cash flow hedging reserve",null,-429,"",-1139,null,-429,null,-1139]
[null,"Defined benefit pension adjustment ","Other adjustments",null,239,"",333,null,239,null,333]
[null,null,null,null,40385,"",41328,null,40385,null,41328]
[]
[null,"less: deductions from common equity tier 1 ",null,null,null,"","",null,null,"",""]
[null,"Goodwill and other intangible assets",null,null,-1779,"",-1875,null,-1779,"",-1875]
[null,"Excess of expected losses over impairment provisions and value adjustments",null,null,-394,"",-565,null,-394,"",-565]
[null,"Removal of defined benefit pension surplus ",null,null,-718,"",-909,null,-718,"",-909]
[null,"Securitisation deductions",null,null,-211,"",-211,null,-211,"",-211]
[null,"Significant investments1",null,null,-2575,"",-2546,null,-2575,"",-2546]
[null,"Deferred tax assets",null,null,-4551,null,-4533,null,-4551,null,-4533]
[null,"Common equity tier 1 capital",null,null,30157,null,30689,null,30157,null,30689]
[]
[null,"Additional tier 1"]
[null,"Other equity instruments ",null,null,5355,null,5355,null,5355,null,5355]
[null,"Preference shares and preferred securities2",null,null,4528,null,4910,null,0,null,0]
[null,null,"Transitional limit and other adjustments",null,-706,null,-537,null,0,null,0]
[null,null,null,null,9177,null,9728,null,5355,null,5355]
[null,"less: deductions from tier 1"]
[null,"Significant investments",null,null,-1180,null,-859,null,0,null,0]
[null,"Total tier 1 capital",null,null,38154,null,39558,null,35512,null,36044]
[]
[null,"Tier 2 "]
[null,"Other subordinated liabilities2",null,null,18111,null,21132,null,18111,null,21132]
[null,null,"Deconsolidation of instruments issued by insurance entities1",null,-2133,null,-2522,null,-2133,null,-2522]
[null,null,"Adjustments for non-eligible instruments",null,-467,null,-675,null,-1095,null,-1857]
[null,null,"Amortisation and other adjustments ",null,-3224,null,-3738,null,-4840,null,-5917]
[null,null,null,null,12287,null,14197,null,10043,null,10836]
[null,"Eligible provisions ",null,null,475,null,333,null,475,null,333]
[null,"less: deductions from tier 2",null,null,null,"","",null,null,"",""]
[null,"Significant investments1",null,null,-1759,"",-1288,null,-2939,"",-2146]
[null,"Total capital resources",null,null,49157,"",52800,null,43091,"",45067]
[null,null,null,null,null,"","",null,null,"",""]
[]
[null,"Risk weighted assets",null,null,226980,"",239734,null,226980,"",239734]
[]
[null,"Common equity tier 1 capital ratio ",null,null,0.13286192616089523,null,0.128,null,0.13286192616089523,null,0.128]
[null,"Tier 1 capital ratio ",null,null,0.16809410520750728,null,0.16500000000000001,null,0.15645431315534408,null,0.15]
[null,"Total capital ratio ",null,null,0.21656974182747379,null,0.22,null,0.18984492025729138,null,0.188]
[]
[]
[]
[1,"For regulatory purposes, the Group's Insurance business is deconsolidated and replaced by the amount of the Group's invesment in the business. A part of this amount is deducted from capital (shown as 'significant investments' in table above) and the remaining amount is risk weighted, forming part of threshold risk-weighted assets."]
[2,"Preference shares, preferred securities and other subordinated liabilities are categorised as subordinated liabilities in the balance sheet."]

{"sheet":"49","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 Capital"]
[null,null,null,"£m",null,"£m",null,"£m",null,"£m"]
[]
[null,"At 31 December 2014",null,30689,null,8869,null,13242,null,52800]
[null,"Profit attributable to ordinary shareholders1",null,600,null,null,null,null,null,600]
[null,"Eligible minority interest",null,-470,null,null,null,null,null,-470]
[null,"Adjustment to retained earnings for foreseeable dividends",null,-535,null,null,null,null,null,-535]
[null,"Movement in treasury shares and employee share schemes",null,-269,null,null,null,null,null,-269]
[null,"Pension movements:"]
[null,"Removal of defined benefit pension surplus",null,191,null,null,null,null,null,191]
[null,"Movement through other comprehensive income",null,-242,null,null,null,null,null,-242]
[null,"Available-for-sale reserve",null,-67,null,null,null,null,null,-67]
[null,"Deferred tax asset",null,-18,null,null,null,null,null,-18]
[null,"Goodwill and intangible assets deductions",null,96,null,null,null,null,null,96]
[null,"Excess of expected losses over impairment provisions and value adjustments",null,171,null,null,null,null,null,171]
[null,"Significant investments",null,-29,null,-321,null,-471,null,-821]
[null,"Eligible provisions",null,null,null,null,null,142,null,142]
[null,"Subordinated debt movements:"]
[null,"Repurchases, redemptions and other ",null,null,null,-551,null,-1910,null,-2461]
[null,"Other movements",null,40,null,null,null,null,null,40]
[null,"At 30 June 2015",null,30157,null,7997,null,11003,null,49157]
[]
[]
[1,"Profits made by Insurance are removed from CET1 capital.  However, when dividends are paid to the Group by Insurance these are recognised through CET1 capital. "]

{"sheet":"50","index":35,"n_rows":39,"n_cols":12,"rows_kept":39,"cut":false,"hidden":false,"merged":[[38,1,38,11],[23,1,23,11]]}
[]
[null,"CAPITAL MANAGEMENT (continued)"]
[]
[null,"Risk-weighted assets"]
[null,null,null,null,null,null,null,null,null,"At 30 June 2015",null,"At 31 Dec 2014"]
[null,null,null,null,null,null,null,null,null,"£m ",null,"£m "]
[null,null,null,null,null,null,null,null,null,"","",""]
[null,"Foundation Internal Ratings Based (IRB) Approach",null,null,null,null,null,null,null,70367.3,"",72393]
[null,"Retail IRB Approach",null,null,null,null,null,null,null,67529.100000000006,"",72886]
[null,"Other IRB Approach",null,null,null,null,null,null,null,17384.900000000001,"",15324]
[null,"IRB Approach",null,null,null,null,null,null,null,155281.30000000002,"",160603]
[null,"Standardised Approach",null,null,null,null,null,null,null,21117.200000000001,"",25444]
[null,"Contributions to the default fund of a central counterparty",null,null,null,null,null,null,null,279.60000000000002,null,515]
[null,"Credit risk",null,null,null,null,null,null,null,176678.10000000003,"",186562]
[null,"Counterparty credit risk",null,null,null,null,null,null,null,8006,"",9108]
[null,"Credit valuation adjustment risk",null,null,null,null,null,null,null,2172.1999999999998,null,2215]
[null,"Operational risk",null,null,null,null,null,null,null,26279,null,26279]
[null,"Market risk",null,null,null,null,null,null,null,3628.8,"",4746]
[null,"Underlying risk-weighted assets",null,null,null,null,null,null,null,216764.10000000003,"",228910]
[]
[null,"Threshold risk-weighted assets1",null,null,null,null,null,null,null,10216.1,"",10824]
[null,"Total risk-weighted assets",null,null,null,null,null,null,null,226980.20000000004,"",239734]
[]
[1,"Threshold risk-weighted assets reflect the element of significant investments and deferred tax assets that are permitted to be risk-weighted instead of deducted from common equity tier 1 captial under threshold rules.  Significant investments primarily arise from investments in the Group's Insurance business"]
[null,"Risk weighted asset movement by key driver",null,"Credit risk1",null,"Counter party credit risk1",null,"Market risk",null,"Operational risk",null,"Total"]
[null,null,null,"£m","","£m",null,"£m",null,"£m",null,"£m"]
[]
[null,"Risk-weighted assets at 31 December 2014",null,186562,null,11323,null,4746,null,26279,26280,228910]
[null,"Management of balance sheet",null,-1849.4519823082726,0,-571.93097097846055,0,-309.07498096505861,0,0,0,-2730.4579342517918]
[null,"Disposals",null,-5818.3939889287285,0,-2,0,0,0,0,0,-5820.3939889287285]
[null,"External economic factors",null,-3184.5210099107144,0,-490.5323704573039,0,-19.363889999999987,0,0,0,-3695.4172703680183]
[null,"Model and methodology changes",null,1054.031565134417,0,-108.19999999999999,0,-789.17781689346157,0,0,0,156.65374824095534]
[null,"Regulatory policy change",null,0,0,0,0,0,0,0,0,0]
[null,"Other",null,-85.937554840137125,0,28.1,0,0,0,0,0,-57.837554840137123]
[null,"Risk-weighted assets",null,176677.72702914657,null,10178.436658564235,null,3628.38331214148,null,26279,null,216763.54699985229]
[null,"Threshold risk-weighted assets",null,null,null,null,null,null,null,null,null,10216.1]
[null,"Total risk-weighted assets",null,null,null,null,null,null,null,null,null,226979.6469998523]
[]
[1,"Credit risk includes movments in contributions to the default fund of central counterparties and counterparty credit risk includes the movements in credit valuation adjustment risk."]

{"sheet":"52","index":36,"n_rows":43,"n_cols":13,"rows_kept":43,"cut":false,"hidden":false,"merged":[[2,3,2,5],[41,1,41,5],[42,1,42,5]]}
[]
[null,"CAPITAL MANAGEMENT (continued)"]
[null,"Leverage ratio",null,"Fully Loaded"]
[null,null,null,"At 30 June 2015",null,"At 31 Dec 20141"]
[null,null,null,"£m ",null,"£m "]
[null,"Total tier 1 capital for leverage ratio",null,null,null,null,null,null,null,null,null,null,""]
[null,"Common equity tier 1 capital",null,30157,null,30689,null,null,null,null,null,null,""]
[null,"Additional tier 1 capital",null,5355,null,5355]
[null,"Total tier 1 capital",null,35512,null,36044]
[]
[null,"Exposure measure"]
[null,"Statutory balance sheet assets"]
[null,"Derivative financial instruments",null,27980,null,36128]
[null,"Securities financing transactions (SFTs)",null,33668,null,43772]
[null,"Loans and advances and other assets",null,761184,null,774996]
[null,"Total assets",null,822832,null,854896]
[]
[null,"Deconsolidation adjustments2"]
[null,"Derivative financial instruments ",null,-1421,null,-1663]
[null,"Securities financing transactions (SFTs)",null,1908,null,1655]
[null,"Loans and advances and other assets ",null,-145491,null,-144114]
[null,"Total deconsolidation adjustments",null,-145004,null,-144122]
[]
[null,"Derivatives adjustments"]
[null,"Adjustment for regulatory netting",null,-18515,null,-24187]
[null,"Adjustment to cash collateral",null,1058,null,-1024]
[null,"Net written credit protection",null,309,null,425]
[null,"Regulatory potential future exposure ",null,12407,null,12722]
[null,"Total derivatives adjustments",null,-4741,null,-12064]
[]
[null,"Counterparty credit risk add-on for SFTs",null,1022,null,1364]
[]
[null,"Off-balance sheet items",null,55695,null,50980]
[]
[null,"Regulatory deductions and other adjustments",null,-9636,null,-10362]
[]
[null,"Total exposure",null,720168,null,740692]
[]
[null,"Leverage ratio",null,4.9310716388398262E-2,null,4.9000000000000002E-2]
[]
[]
[1,"Restated to align with the CRD IV delegated act rules on leverage implemented in January 2015."]
[2,"Deconsolidation adjustments predominantly reflect the deconsolidation of assests related to group subsidiaries that fall outside the scope of the Group's regulatory capital consolidation (primarily the Group's insurance entities). "]

{"sheet":"24.22","index":37,"n_rows":24,"n_cols":12,"rows_kept":24,"cut":false,"hidden":true,"merged":[[8,5,8,7],[8,9,8,11]]}
[null,"CREDIT RISK PORTFOLIO (continued)"]
[]
[null,"Run-off (continued)"]
[]
[null,"Ireland commercial real estate LTV"]
[]
[]
[]
[null,null,null,null,null,{"$f":"\"At\"&\" \"&#REF!","v":{"$error":"#REF!"}},null,null,null,{"$f":"\"At\"&\" \"&#REF!","v":{"$error":"#REF!"}}]
[null,"LTV - Ireland Wholesale Commercial Real Estate",null,null,null,"£m",null,"% ",null,"£m",null,"% "]
[]
[]
[null,"Gross exposures > €5 million:"]
[null,"Less than 100%"]
[null,"100% to 200%"]
[null,"200% to 300%"]
[null,"300% to 400%"]
[null,"Greater than 400%"]
[null,"Unsecured"]
[]
[null,"Gross exposures < €5 million"]
[null,"Total gross exposure"]
[null,"Impairment provisions"]
[null,"Total net exposure"]

{"sheet":"24(1)","index":38,"n_rows":25,"n_cols":20,"rows_kept":25,"cut":false,"hidden":true,"merged":[]}
[null,"CREDIT RISK PORTFOLIO (continued)"]
[]
[null,"Run-off (continued)"]
[]
[null,"Run-off UK Direct Real Estate LTV"]
[]
[]
[]
[]
[null,"LTV - UK Direct Real Estate",null,null,null,null,null,"At 30 June 2015",null,null,null,null,null,null,null,"At 31 December 2014"]
[]
[null,null,null,null,null,"Unimpaired",null,"Impaired",null,"Total",null,null,null,"Unimpaired",null,"Impaired",null,"Total"]
[null,null,null,null,null,"£m",null,"£m",null,"£m",null,"%",null,"£m",null,"£m",null,"£m",null,"%"]
[null,"UK exposures >£5 million"]
[null,"Less than 100%",null,null,null,{"$f":"#REF!","v":{"$error":"#REF!"}},null,{"$f":"#REF!","v":{"$error":"#REF!"}},null,{"$f":"F15+H15","v":{"$error":"#REF!"}},null,{"$f":"+ROUND(J15/J$21,3)","v":{"$error":"#REF!"}},null,1578,null,204,null,1782,null,0.67600000000000005]
[null,"100% to 200%",null,null,null,{"$f":"#REF!","v":{"$error":"#REF!"}},null,{"$f":"#REF!","v":{"$error":"#REF!"}},null,{"$f":"F16+H16","v":{"$error":"#REF!"}},null,{"$error":"#REF!"},null,34,null,440,null,474,null,0.18]
[null,"200% to 300%",null,null,null,{"$f":"#REF!","v":{"$error":"#REF!"}},null,{"$f":"#REF!","v":{"$error":"#REF!"}},null,{"$f":"F17+H17","v":{"$error":"#REF!"}},null,{"$error":"#REF!"},null,0,null,86,null,86,null,3.3000000000000002E-2]
[null,"300% to 400%",null,null,null,{"$f":"#REF!","v":{"$error":"#REF!"}},null,{"$f":"#REF!","v":{"$error":"#REF!"}},null,{"$f":"F18+H18","v":{"$error":"#REF!"}},null,{"$error":"#REF!"},null,0,null,149,null,149,null,5.7000000000000002E-2]
[null,"Greater than 400%",null,null,null,{"$f":"#REF!","v":{"$error":"#REF!"}},null,{"$f":"#REF!","v":{"$error":"#REF!"}},null,{"$f":"F19+H19","v":{"$error":"#REF!"}},null,{"$error":"#REF!"},null,0,null,144,null,144,null,5.3999999999999999E-2]
[null,"Unsecured",null,null,null,{"$f":"#REF!","v":{"$error":"#REF!"}},null,{"$f":"#REF!","v":{"$error":"#REF!"}},null,{"$f":"ROUND('[2]20 (d)'!J20,0)","v":0},null,{"$error":"#REF!"},null,0,null,0,null,0,null,0]
[null,null,null,null,null,{"$f":"SUM(F15:F20)","v":{"$error":"#REF!"}},null,{"$f":"SUM(H15:H20)","v":{"$error":"#REF!"}},null,{"$f":"SUM(J15:J20)","v":{"$error":"#REF!"}},null,{"$f":"SUM(L15:L20)","v":{"$error":"#REF!"}},null,1612,null,1023,null,2635,null,1.0010000000000001]
[null,"UK exposures <£5million",null,null,null,{"$f":"#REF!","v":{"$error":"#REF!"}},null,{"$f":"#REF!","v":{"$error":"#REF!"}},null,{"$f":"F22+H22","v":{"$error":"#REF!"}},null,null,null,412,null,261,null,673]
[null,"Total",null,null,null,{"$f":"#REF!","v":{"$error":"#REF!"}},null,{"$f":"#REF!","v":{"$error":"#REF!"}},null,{"$f":"F23+H23","v":{"$error":"#REF!"}},null,null,null,2024,null,1284,null,3308]
[null,"Impairment provisions",null,null,null,{"$f":"#REF!","v":{"$error":"#REF!"}},null,{"$f":"#REF!","v":{"$error":"#REF!"}},null,{"$f":"F24+H24","v":{"$error":"#REF!"}},null,null,null,0,null,-547,null,-547]
[null,"Total net exposure",null,null,null,{"$f":"F23+F24","v":{"$error":"#REF!"}},null,{"$f":"H23+H24","v":{"$error":"#REF!"}},null,{"$f":"F25+H25","v":{"$error":"#REF!"}},null,null,null,2024,null,737,null,2761]