{"text_format":"1","workbook":"xlsx","n_sheets":11,"sheets":["Cover","Index","2","4","5","6","7","9","10","11","12"],"not_rendered":{"charts":0,"images":0,"macros":1,"external_links":1,"defined_names":45,"comments":0,"pivot_tables":0},"unopened":[],"bounds":{"document_bytes":16777216,"sheet_cells":100000,"rows_first":2000,"rows_last":500,"rows_between":2000,"halvings":0,"cell_chars":16384,"cell_head_chars":4096},"cells_cut":0,"cells_raw":0,"read":"whole","date_system":"1900"}

{"sheet":"Cover","index":0,"n_rows":16,"n_cols":3,"rows_kept":16,"cut":false,"hidden":false,"merged":[]}
[]
[]
[]
[]
[]
[]
[null,null,"LLOYDS BANKING GROUP plc"]
[null,null,"Q1 2015 RESULTS"]
[]
[]
[]
[null,null,"1 May 2015"]
[]
[]
[]
[null,null,"Excel Downloads of Relevant Tables"]

{"sheet":"Index","index":1,"n_rows":18,"n_cols":5,"rows_kept":18,"cut":false,"hidden":false,"merged":[[0,1,2,10],[25,1,25,2],[26,1,26,2]]}
[null,"INDEX\nA FULL COPY OF THE 2015 Q1 NEWS RELEASE CAN BE FOUND AT:\nhttp://www.lloydsbankinggroup.com/investors/financial-performance/lloyds-banking-group/"]
["\n"]
[]
[]
[]
[]
[null,"Consolidated income statement",null,null,2]
[null,"Balance sheet and key ratios",null,null,2]
[null,"Total income",null,null,4]
[null,"Total costs",null,null,5]
[null,"Impairment",null,null,5]
[null,"Statutory profit",null,null,6]
[null,"Funding, liquidity and capital ratios",null,null,7]
[null,"Statutory income statement",null,null,9]
[null,"Statutory balance sheet",null,null,9]
[null,"Reconciliation between statutory and underlying results",null,null,10]
[null,"Quarterly underlying basis information",null,null,11]
[null,"Capital and leverage disclosures",null,null,12]

{"sheet":"2","index":2,"n_rows":57,"n_cols":12,"rows_kept":57,"cut":false,"hidden":false,"merged":[]}
[]
[null,"CONSOLIDATED INCOME STATEMENT - UNDERLYING BASIS"]
[]
[]
[null,null,null,"Three months ended \n31 Mar 2015",null,"Three months ended \n31 Mar 2014",null,"Change",null,"Three months ended \n31 Dec 2014",null,"Change"]
[null,null,null,"£ million ",null,"£ million ",null,"%",null,"£ million ",null,"%"]
[]
[null,"Net interest income",null,3021,null,2811,null,7,null,2923,null,3]
[null,"Other income",null,1623.0280673,null,1718,null,-6,null,1547,null,5]
[null,"Total income",null,4643.5,null,4529,null,3,null,4470,null,4]
[null,"Total costs",null,-2289,null,-2298,null,0,null,-2505,null,9]
[null,"Impairment ",null,-177,null,-431,null,59,null,-183,null,3]
[null,"Underlying profit",null,2177.5,null,1800,null,21,null,1782,null,22]
[]
[null,"Asset sales and other items",null,-111,null,120,null,null,null,34]
[null,"Simplification costs",null,-26,null,-294,null,null,null,-316]
[null,"TSB",null,-745,null,-172,null,null,null,-144]
[null,"Legacy provisions",null,0,null,0,null,null,null,-1125]
[null,"Other items",null,-82,null,-85,null,null,null,-83]
[null,"Profit before tax – statutory",null,1213.5,null,1369,null,-11,null,148]
[null,"Taxation",null,-270,null,-207,null,-30,null,-41]
[null,"Profit for the period",null,943.5,null,1162,null,-19,null,107]
[]
[null,"Underlying earnings per share",null,"2.3p",null,"2.0p",null,"0.3p",null,"1.8p",null,"0.5p"]
[null,"Earnings per share",null,"1.2p",null,"1.6p",null,"(0.4)p",null,"0.0p",null,"1.2p"]
[]
[null,"Banking net interest margin",null,2.6499999999999999E-2,null,2.3199999999999998E-2,null,"33bp",null,2.4726725591759601E-2,null,"18bp"]
[null,"Cost:income ratio1",null,0.47663992449268522,null,0.49299999999999999,null,"(1.6)pp",null,0.54871882075068856,null,"(7.2)pp"]
[null,"Asset quality ratio",null,1.5223381559192769E-3,null,3.5000000000000001E-3,null,"(20)bp",null,1.5E-3,null,0]
[null,"Return on risk-weighted assets",null,3.7285774588433941E-2,null,2.7099999999999999E-2,null,"102bp",null,2.8899999999999999E-2,null,"84bp"]
[null,"Return on assets",null,1.0535543893129769E-2,null,8.6999999999999994E-3,null,"18bp",null,8.3000000000000001E-3,null,"22bp"]
[null,"Underlying return on required equity",null,0.15958630499390028,null,0.13,null,"3.0pp",null,0.126,null,"3.4pp"]
[null,"Statutory return on required equity",null,8.2874418457845961E-2,null,0.108,null,"(2.5)pp",null,3.0000000000000001E-3,null,"8.0pp"]
[]
[]
[null,"BALANCE SHEET AND KEY RATIOS"]
[null,null,null,"At  ",null,"At  "]
[null,null,null,"31 Mar\n2015",null,"31 Dec\n2014",null,"Change %"]
[]
[null,"Loans and advances to customers2",null,455,null,"£478bn",null,-5]
[null,"Loans and advances to customers excl. TSB, Run-off and other2,3",null,407.70000000000005,null,"£406bn",null,0]
[null,"Customer deposits",null,418.90318811517,null,"£447bn",null,-6]
[null,"Loan to deposit ratio",null,1.0861698189675888,null,1.07,null,"2pp"]
[null,"Total assets",null,849.3,null,"£855bn",null,-1]
[null,"Run-off assets",null,15.3,null,"£17bn",null,-9]
[null,"Wholesale funding",null,116.9,null,"£116bn",null,0]
[null,"Common equity tier 1 ratio",null,0.13377976679526474,null,0.128,null,"0.6pp"]
[null,"Transitional total capital ratio",null,0.22600000000000001,null,0.22,null,"0.6pp"]
[null,"Risk-weighted assets",null,234.1,null,"£240bn",null,-2]
[null,"Leverage ratio",null,4.9635884942910519E-2,null,4.9000000000000002E-2,null,"0.1pp"]
[null,"Tangible net assets per share",null,"55.8p",null,"54.9p",null,"0.9pp"]
[]
[]
[]
[1,"Operating lease depreciation deducted from income and costs and excluding TSB income and running costs."]
[2,"Excludes reverse repos of £4.5 billion (31 December 2014: £5.1 billion)."]
[3,"Other includes the specialist mortgage book, Intelligent Finance and Dutch mortgages."]

{"sheet":"4","index":3,"n_rows":20,"n_cols":12,"rows_kept":20,"cut":false,"hidden":false,"merged":[[3,2,3,4],[3,1,5,1]]}
[]
[]
[null,"TOTAL INCOME"]
[]
[null,null,null,"Three months ended 31 Mar 2015",null,"Three months ended 31 Mar 2014",null,"Change",null,"Three months ended 31 Dec 2014",null,"Change"]
[null,null,null,"£ million ",null,"£ million ",null,"%",null,"£ million ",null,"%"]
[]
[null,"Net interest income ",null,2829,null,2610,null,8,null,2730,null,4]
[null,"TSB",null,192,null,201,null,-4,null,193,null,-1]
[null,"Total net interest income",null,3021,null,2811,null,7,null,2923,null,3]
[null,"Other income",null,1591.5280672999997,null,1680,null,-5,null,1513,null,5]
[null,"TSB",null,30.5,null,38,null,-18,null,34,null,-9]
[null,"Total other income",null,1623.0280673,null,1718,null,-6,null,1547,null,5]
[]
[null,"Total income",null,4644,null,4529,null,3,null,4470,null,4]
[]
[null,"Banking net interest margin",null,2.6499999999999999E-2,null,2.3199999999999998E-2,null,"33bp",null,2.47E-2,null,"18bp"]
[null,"Banking net interest margin excl. TSB",null,2.6000000000000002E-2,null,2.2700000000000001E-2,null,"33bp",null,2.4199999999999999E-2,null,"18bp"]
[null,"Average interest-earning banking assets",null,468.03734446261922,null,491.5,null,-5,null,475.8,null,-2]
[null,"Average interest-earning banking assets excl. TSB",null,446.45596478295312,null,468.2,null,-5,null,453.9,null,-2]

{"sheet":"5","index":4,"n_rows":25,"n_cols":12,"rows_kept":25,"cut":false,"hidden":false,"merged":[[15,3,15,4],[40,2,40,3],[2,1,3,1]]}
[]
[null,"TOTAL COSTS"]
[null,null,null,"Three months ended \n31 Mar 2015",null,"Three months ended \n31 Mar 2014",null,"Change",null,"Three months ended \n31 Dec 2014",null,"Change"]
[null,null,null,"£ million ",null,"£ million ",null,"%",null,"£ million ",null,"%"]
[]
[]
[null,"Operating costs",null,2020,null,2031,null,1,null,2221,null,9]
[null,"Operating lease depreciation ",null,183,null,173,null,-6,null,195,null,6]
[null,null,null,2203,null,2204,null,0,null,2416,null,9]
[null,"TSB running costs",null,86,null,94,null,9,null,89,null,3]
[null,"Total costs",null,2289,null,2298,null,0,null,2505,null,9]
[null,"Cost:income ratio1",null,0.47663992449268522,null,0.49299999999999999,null,"(1.6)pp",null,0.54900000000000004,null,"(7.2)pp"]
[]
[1,"Operating lease depreciation deducted from income and costs and excluding TSB income and running costs."]
[]
[]
[null,"IMPAIRMENT",null,"Three months ended \n31 Mar 2015",null,"Three months ended \n31 Mar 2014",null,"Change",null,"Three months ended \n31 Dec 2014",null,"Change"]
[null,null,null,"£ million ",null,"£ million ",null,"%",null,"£ million ",null,"%"]
[]
[]
[null,"Impairment charge",null,158,null,407,null,61,null,159,null,1]
[null,"TSB",null,19,null,24,null,21,null,24,null,21]
[null,"Total impairment charge",null,177,null,431,null,59,null,183,null,3]
[null,"Asset quality ratio",null,1.5223381559192769E-3,null,3.4597357790525558E-3,null,"20bp",null,1.5E-3,null,0]
[null,"Impaired loans as a % of advances",null,2.8424215298493878E-2,null,5.7000000000000002E-2,null,"(2.9)pp",null,2.9000000000000001E-2,null,"(0.1)pp"]

{"sheet":"6","index":5,"n_rows":24,"n_cols":16,"rows_kept":24,"cut":false,"hidden":false,"merged":[[3,1,4,1]]}
[]
[null,null,"STATUTORY PROFIT"]
[]
[null,null,null,null,"Three months ended \n31 Mar 2015",null,"Three months ended \n31 Mar 2014",null,"Change",null,"Three months ended \n31 Dec 2014","Change"]
[null,null,null,null,"£ million ",null,"£ million ",null,"%",null,"£ million ","%"]
[]
[]
[null,null,"Underlying profit",null,2177.5,null,1800,null,21,null,1782,22]
[null,null,"Asset sales and other items:",null,null,null,null,null,null,null,null,null,"",null,null,""]
[null,null,"Asset sales and volatility",null,18,null,260,null,null,null,92,null,null,null,null,""]
[null,null,"Fair value unwind",null,-129,null,-140,null,null,null,-58,null,null,null,null,""]
[null,null,null,null,-111,null,120,null,null,null,34,null,null,null,null,""]
[null,null,"Simplification costs",null,-26,null,-294,null,null,null,-316]
[null,null,"TSB build and dual running costs",null,-85,null,-172,null,null,null,-144]
[null,null,"Charge relating to TSB disposal",null,-660,null,0,null,null,null,0]
[null,null,null,null,-745,null,-172,null,null,null,-144,null,null,null,null,""]
[null,null,"Legacy provisions",null,0,null,0,null,null,null,-1125,null,null,null,null,""]
[null,null,"Other items: amortisation of purchased intangibles",null,-82,null,-85,null,null,null,-83,null,null,null,null,""]
[null,null,"Profit before tax – statutory",null,1213.5,null,1369,null,-11,null,148,null,null,null,null,""]
[null,null,"Taxation",null,-270,null,-207,null,-30,null,-41,null,null,null,null,""]
[null,null,"Profit for the period",null,943.5,null,1162,null,-19,null,107,null,null,null,null,""]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,""]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,""]

{"sheet":"7","index":6,"n_rows":23,"n_cols":8,"rows_kept":23,"cut":false,"hidden":false,"merged":[]}
[]
[null,"FUNDING, LIQUIDITY AND CAPITAL RATIOS"]
[]
[]
[null,null,null,"At 31 Mar 2015",null,"At 31 Dec 2014",null,"Change %"]
[]
[null,"Wholesale funding",null,"£117bn",null,"£116bn",null,0]
[null,"Wholesale funding <1 year maturity",null,"£41bn",null,"£41bn",null,0]
[null,"Of which money-market funding <1 year maturity1",null,"£20bn",null,"£19bn",null,5]
[null,"Loan to deposit ratio",null,1.0861698189675888,null,1.07,null,"2pp"]
[null,"Primary liquid assets2",null,"£101bn",null,"£109bn",null,-7]
[]
[null,"Common equity tier 1 capital ratio3",null,0.13377976679526474,null,0.128,null,"0.6pp"]
[null,"Transitional tier 1 capital ratio3",null,0.16857105197340358,null,0.16500000000000001,null,"0.4pp"]
[null,"Transitional total capital ratio",null,0.22600000000000001,null,0.22,null,"0.6pp"]
[null,"Leverage ratio",null,4.9635884942910519E-2,null,4.9000000000000002E-2,null,"0.1pp"]
[null,"Risk-weighted assets",null,"£234bn",null,"£240bn",null,-2]
[]
[null,"Shareholders' equity",null,"£44bn",null,"£43bn",null,2]
[]
[1,"Excludes balances relating to margins of £3.2 billion (31 December 2014: £2.8 billion) and settlement accounts of £1.7 billion (31 December 2013: £1.4 billion)."]
[2,"Includes off-balance sheet liquid assets; the balance at 31 December 2014 included £4.5 billion held by TSB."]
[3,"Common equity tier 1 ratio is the same on both fully loaded and transitional bases."]

{"sheet":"9","index":7,"n_rows":49,"n_cols":13,"rows_kept":49,"cut":false,"hidden":false,"merged":[[2,7,3,7],[2,5,3,5]]}
[]
[null,"STATUTORY CONSOLIDATED INCOME STATEMENT AND BALANCE SHEET (UNAUDITED)"]
[null,null,null,null,null,"Three months ended 31 Mar 2015",null,"Three months ended 31 Mar 2014"]
[]
[null,"Income statement",null,null,null,"£ million ",null,"£ million "]
[]
[null,"Net interest income",null,null,null,2263,"",2718,"","",null,null,""]
[null,"Other income, net of insurance claims",null,null,null,2280,null,1911]
[null,"Total income, net of insurance claims",null,null,null,4543,null,4629]
[null,"Total operating expenses",null,null,null,-3185,null,-2910]
[null,"Impairment",null,null,null,-144,"",-350,"",""]
[null,"Profit before tax",null,null,null,1213.5,"",1369,"",""]
[null,"Taxation",null,null,null,-270,null,-207]
[null,"Profit for the period",null,null,null,943.5,null,1162]
[]
[null,"Profit attributable to ordinary shareholders",null,null,null,814,null,1148]
[null,"Profit attributable to other equity holders",null,null,null,99,null,0]
[null,"Profit attributable to equity holders",null,null,null,913,null,1148]
[null,"Profit attributable to non-controlling interests",null,null,null,31,null,14]
[null,"Profit for the period",null,null,null,944,null,1162]
[]
[]
[]
[]
[null,"Balance sheet",null,null,null,"At 31 Mar",null,"At 31 Dec"]
[null,null,null,null,null,2015,null,2014]
[null,null,null,null,null,"£ million ",null,"£ million "]
[null,"Assets"]
[null,"Cash and balances at central banks",null,null,null,56749,null,50492]
[null,"Trading and other financial assets at fair value through profit or loss",null,null,null,150740,null,151931]
[null,"Derivative financial instruments",null,null,null,39493,null,36128]
[null,"Loans and receivables",null,null,null,487980,null,510072]
[null,"Available-for-sale financial assets",null,null,null,56796,null,56493]
[null,"Other assets",null,null,null,57518,null,49780]
[null,"Total assets",null,null,null,849276,null,854896]
[]
[null,"Liabilities"]
[null,"Deposits from banks",null,null,null,12684,null,10887]
[null,"Customer deposits",null,null,null,418962,null,447067]
[null,"Trading and other financial liabilities at fair value through profit or loss",null,null,null,70468,null,62102]
[null,"Derivative financial instruments",null,null,null,37963,null,33187]
[null,"Debt securities in issue",null,null,null,77652,null,76223]
[null,"Liabilities arising from insurance and investment contracts",null,null,null,117181,null,114486]
[null,"Subordinated liabilities",null,null,null,25332,null,26042]
[null,"Other liabilities",null,null,null,39284,null,34989]
[null,"Total liabilities",null,null,null,799526,null,804993]
[]
[null,"Total equity",null,null,null,49750,null,49903]
[null,"Total equity and liabilities",null,null,null,849276,null,854896]

{"sheet":"10","index":8,"n_rows":38,"n_cols":29,"rows_kept":38,"cut":false,"hidden":false,"merged":[[23,16,24,16],[4,4,4,13],[12,1,12,2],[19,4,19,13],[27,1,27,2]]}
[null,"APPENDIX 1"]
[]
[null,"RECONCILIATION BETWEEN STATUTORY AND UNDERLYING BASIS RESULTS"]
[]
[null,null,null,null,"Removal of:"]
[null,null,null,"Lloyds "]
[null,"Three months to 31 March 2015",null,"Banking ",null,"Asset",null,"Simplification",null,null,null,"Legal and ",null,"Amortisation of "]
[null,null,null,"Group ",null,"sales and ",null,"and TSB",null,"Insurance ",null,"regulatory ",null,"purchased",null,"Underlying "]
[null,null,null,"statutory ",null,"other  items1",null,"costs2",null,"gross up ",null,"provisions",null,"intangibles",null,"basis "]
[null,null,null,"£m ",null,"£m ",null,"£m ",null,"£m ",null,"£m ",null,"£m ",null,"£m "]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"","","","","","","","","","","",""]
[null,"Net interest income",null,2263,null,100,null,0,null,658,null,0,null,0,null,3021,null,null,""]
[null,"Other income, net of insurance claims",null,2280,null,34,null,-5,null,-686,null,0,null,0,null,1623]
[null,"Total income",null,4543,null,134,null,-5,null,-28,null,0,null,0,null,4644]
[null,"Operating expenses3",null,-3185,null,10,null,776,null,28,null,0,null,82,null,-2289]
[null,"Impairment",null,-144,null,-33,null,0,null,0,null,0,null,0,null,-177]
[null,"Profit before tax",null,1214,null,111,null,771,null,0,null,0,null,82,null,2178]
[]
[]
[null,null,null,null,"Removal of:"]
[null,null,null,"Lloyds "]
[null,"Three months to 31 March 2014",null,"Banking ",null,"Asset",null,"Simplification",null,null,null,"Legal and ",null,"Amortisation of "]
[null,null,null,"Group ",null,"sales and ",null,"and TSB",null,"Insurance ",null,"regulatory ",null,"purchased",null,"Underlying "]
[null,null,null,"statutory ",null,"other  items4",null,"costs5",null,"gross up ",null,"provisions",null,"intangibles",null,"basis "]
[null,null,null,"£m ",null,"£m ",null,"£m ",null,"£m ",null,"£m ",null,"£m ",null,"£m "]
[]
[null,"Net interest income",null,2718,null,155,null,0,null,-62,null,0,null,0,null,2811]
[null,"Other income, net of insurance claims",null,1911,null,-225,null,0,null,32,null,0,null,0,null,1718]
[null,"Total income",null,4629,null,-70,null,0,null,-30,null,0,null,0,null,4529]
[null,"Operating expenses3",null,-2910,null,31,null,466,null,30,null,0,null,85,null,-2298]
[null,"Impairment",null,-350,null,-81,null,0,null,0,null,0,null,0,null,-431]
[null,"Profit before tax",null,1369,null,-120,null,466,null,0,null,0,null,85,null,1800]
[]
[1,"Comprises the effects of asset sales (loss of £5 million), volatile items (loss of £215 million), liability management (loss of £4 million), volatility arising in insurance businesses (gain of £242 million) and fair value unwind (loss of £129 million)."]
[2,"Comprises Simplification costs related to severance (£26 million) for the next phase of the programme, TSB dual running costs (£85 million) and the charge relating to the TSB disposal (£660 million)."]
[3,"On an underlying basis, this is described as total costs."]
[4,"Comprises the effects of asset sales (gain of £126 million), volatile items (gain of £198 million), volatility arising in insurance businesses (loss of £64 million) and fair value unwind (loss of £140 million)."]
[5,"Comprises Simplification costs related to severance, IT and business costs of implementation (£294 million) and TSB build and dual running costs (£172 million)."]

{"sheet":"11","index":9,"n_rows":48,"n_cols":12,"rows_kept":48,"cut":false,"hidden":false,"merged":[[3,6,6,6],[3,7,6,7],[3,11,6,11],[3,9,6,9],[3,3,6,3],[3,5,6,5],[29,11,32,11],[29,3,32,3],[29,5,32,5],[29,6,32,6],[29,7,32,7],[29,9,32,9]]}
[null,"APPENDIX 2"]
[]
[null,"QUARTERLY UNDERLYING BASIS INFORMATION "]
[null,null,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,"Quarter ended 31 Mar 2014"]
[]
[]
[null,"Group"]
[null,null,null,"£m ",null,"£m ",null,"£m ",null,"£m ",null,"£m "]
[]
[null,"Net interest income",null,3021,null,2923,null,3034,null,2993,null,2811]
[null,"Other income",null,1623.0280673,null,1547,null,1612,null,1730,null,1718]
[null,"Total income",null,4643.5,null,4470,null,4646,null,4723,null,4529]
[null,"Total costs",null,-2289,null,-2505,null,-2232,null,-2377,null,-2298]
[null,"Impairment",null,-177,null,-183,null,-259,null,-327,null,-431]
[null,"Underlying profit ",null,2177.5,null,1782,null,2155,null,2019,null,1800]
[null,"Asset sales and other items",null,-111,null,34,null,-186,null,-1687,null,120]
[null,"Simplification costs",null,-26,null,-316,null,-131,null,-225,null,-294]
[null,"TSB",null,-745,null,-144,null,-105,null,-137,null,-172]
[null,"Legacy provisions",null,0,null,-1125,null,-900,null,-1100,null,0]
[null,"Other items",null,-82,null,-83,null,-82,null,624,null,-85]
[null,"Statutory profit (loss) before tax",null,1213.5,null,148,null,751,null,-506,null,1369]
[]
[null,"Banking net interest margin",null,2.6499999999999999E-2,null,2.47E-2,null,2.5100000000000001E-2,null,2.4799999999999999E-2,null,2.3199999999999998E-2]
[null,"Asset quality ratio",null,1.5223381559192769E-3,null,1.5E-3,null,2E-3,null,2.5999999999999999E-3,null,3.5000000000000001E-3]
[null,"Return on risk-weighted assets",null,3.7285774588433941E-2,null,2.8899999999999999E-2,null,3.3700000000000001E-2,null,3.09E-2,null,2.7099999999999999E-2]
[null,"Return on assets",null,1.0535543893129769E-2,null,8.3000000000000001E-3,null,1.01E-2,null,9.7000000000000003E-3,null,8.6999999999999994E-3]
[null,"Cost:income ratio1",null,0.47209145931405516,null,0.54,null,0.46,null,0.48399999999999999,null,0.48799999999999999]
[]
[]
[null,null,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,"Quarter ended 31 Mar 2014"]
[]
[]
[null,"Group excluding TSB"]
[null,null,null,"£m ",null,"£m ",null,"£m ",null,"£m ",null,"£m "]
[]
[null,"Net interest income",null,2829,null,2730,null,2841,null,2794,null,2610]
[null,"Other income",null,1591.5280672999997,null,1513,null,1578,null,1696,null,1680]
[null,"Total income",null,4420.5280672999997,null,4243,null,4419,null,4490,null,4290]
[null,"Total costs",null,-2203,null,-2416,null,-2146,null,-2276,null,-2204]
[null,"Impairment",null,-158,null,-159,null,-236,null,-300,null,-407]
[null,"Underlying profit ",null,2060,null,1668,null,2037,null,1914,null,1679]
[]
[null,"Banking net interest margin",null,2.6000000000000002E-2,null,2.4199999999999999E-2,null,2.47E-2,null,2.4400000000000002E-2,null,2.2700000000000001E-2]
[null,"Asset quality ratio",null,1.353813022591853E-3,null,1.4E-3,null,1.9E-3,null,2.5000000000000001E-3,null,3.3999999999999998E-3]
[null,"Return on risk-weighted assets",null,3.5817553888293441E-2,null,2.76E-2,null,3.2500000000000001E-2,null,2.9899999999999999E-2,null,2.58E-2]
[null,"Return on assets",null,1.0271016036936862E-2,null,8.0000000000000002E-3,null,9.9000000000000008E-3,null,9.4000000000000004E-3,null,8.3000000000000001E-3]
[null,"Cost:income ratio1",null,0.47663992449268522,null,0.54900000000000004,null,0.46400000000000002,null,0.48699999999999999,null,0.49299999999999999]
[1,"Operating lease depreciation deducted from income and costs."]

{"sheet":"12","index":10,"n_rows":49,"n_cols":10,"rows_kept":49,"cut":false,"hidden":false,"merged":[]}
[null,"APPENDIX 3"]
[]
[null,"CAPITAL  AND LEVERAGE DISCLOSURES"]
[]
[null,null,null,null,null,null,null,"At  ",null,"At  "]
[null,null,null,null,null,null,null,"31 Mar\n2015",null,"31 Dec\n2014"]
[null,"Capital resources (transitional)",null,null,null,null,null,"£m",null,"£m"]
[]
[null,"Common equity tier 1"]
[null,"Shareholders' equity per balance sheet",null,null,null,null,null,43976,null,43335]
[null,"Deconsolidation of insurance entities",null,null,null,null,null,-1050,null,-824]
[null,"Other adjustments",null,null,null,null,null,-1711,null,-1183]
[null,null,null,null,null,null,null,41215,null,41328]
[null,"Deductions from common equity tier 1",null,null,null,null,null,-9858,null,-10639]
[null,"Common equity tier 1 capital1 ",null,null,null,null,null,31357,null,30689]
[]
[null,"Additional tier 1 instruments",null,null,null,null,null,9177,null,9728]
[null,"Deductions from tier 1",null,null,null,null,null,-1033,null,-859]
[null,"Total tier 1 capital",null,null,null,null,null,39501,null,39558]
[]
[null,"Tier 2 instruments and eligible provisions",null,null,null,null,null,14747,null,14530]
[null,"Deductions from tier 2",null,null,null,null,null,-1370,null,-1288]
[null,"Total capital resources",null,null,null,null,null,52878,null,52800]
[]
[null,"Risk-weighted assets"]
[null,"Credit risk",null,null,null,null,null,180931,null,186562]
[null,"Counterparty credit risk",null,null,null,null,null,9598,null,9108]
[null,"Credit valuation adjustment",null,null,null,null,null,2240,null,2215]
[null,"Operational risk",null,null,null,null,null,26279,null,26279]
[null,"Market risk",null,null,null,null,null,4341,null,4746]
[null,"Threshold risk-weighted assets",null,null,null,null,null,10794,null,10824]
[null,"Total risk-weighted assets1",null,null,null,null,null,234183,null,239734]
[]
[null,"Leverage "]
[null,"Total tier 1 capital (fully loaded)",null,null,null,null,null,36713,null,36044]
[]
[null,"Statutory balance sheet assets",null,null,null,null,null,849276,null,854896]
[null,"Deconsolidation and other adjustments",null,null,null,null,null,-163065,null,-166207]
[null,"Off-balance sheet items",null,null,null,null,null,52384.529863808231,null,50980]
[null,"Total exposure2",null,null,null,null,null,738596,null,739669]
[]
[null,"Ratios"]
[null,"Common equity tier 1 capital ratio1",null,null,null,null,null,0.13377976679526474,null,0.128]
[null,"Transitional tier 1 capital ratio",null,null,null,null,null,0.16857105197340358,null,0.16500000000000001]
[null,"Transitional total capital ratio",null,null,null,null,null,0.22600000000000001,null,0.22]
[null,"Leverage ratio2",null,null,null,null,null,4.9635884942910519E-2,null,4.9000000000000002E-2]
[]
[1,"Common equity tier 1 capital resources, risk-weighted assets and the common equity tier 1 capital ratio are the same on both fully loaded and transitional bases."]
[2,"Calculated in accordance with CRD IV rules, as amended by delegated act (January 2015)."]