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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,"Q3 2015 Results"]
[]
[]
[]
[null,null,"30 September 2015"]
[]
[]
[]
[null,null,"Excel Downloads of Relevant Tables"]

{"sheet":"Index","index":1,"n_rows":13,"n_cols":10,"rows_kept":13,"cut":false,"hidden":false,"merged":[[0,1,1,9]]}
[null,"INDEX\nA FULL COPY OF THE Q3 2015 INTERIM MANAGEMENT STATEMENT CAN BE FOUND AT:\nhttp://www.lloydsbankinggroup.com/investors/financial-performance/lloyds-banking-group/"]
["\n"]
[]
[]
[]
[null,null,null,"Tab",null,null,null,null,null,"Tab"]
[null,"Consolidated income statement",null,1,null,null,"Statutory consolidated income statement",null,null,7]
[null,"Balance sheet and key ratios",null,1,null,null,"Statutory consolidated balance sheet",null,null,7]
[null,"Total income",null,2,null,null,"Summary of movements in total equity",null,null,8]
[null,"Costs",null,3,null,null,"Statutory to underlying reconciliation",null,null,9]
[null,"Impairments",null,4,null,null,"Quarterly underlying basis information",null,null,10]
[null,"Statutory profit",null,5,null,null,"Capital and leverage disclosures",null,null,11]
[null,"Funding, liquidity and capital ratios",null,6]

{"sheet":"1","index":2,"n_rows":58,"n_cols":13,"rows_kept":58,"cut":false,"hidden":false,"merged":[[2,11,6,11],[43,1,44,1],[43,3,44,3],[43,5,44,5],[43,0,44,0],[2,3,6,3],[2,5,6,5],[2,7,6,7],[2,9,6,9]]}
["CONSOLIDATED INCOME STATEMENT − UNDERLYING BASIS"]
[]
[null,null,"Nine",null,"Nine",null,null,null,"Three",null,"Three"]
[null,null,"months",null,"months",null,null,null,"months",null,"months"]
[null,null,"ended",null,"ended",null,null,null,"ended",null,"ended"]
[null,null,"30 Sept",null,"30 Sept",null,null,null,"30 Sept",null,"30 Sept"]
[null,null,"2015",null,"2014",null,"Change",null,"2015",null,"2014",null,"Change"]
[null,null,"£ million",null,"£ million",null,"%",null,"£ million",null,"£ million",null,"%"]
[]
["Net interest income",null,8578,null,8245,null,4.0388114008489993,null,2863,null,2841,null,0.77437521999296022]
["Other income",null,4627,null,4954,null,-6.6007266855066611,null,1374,null,1578,null,-12.927756653992395]
["Total income",null,13205,null,13199,null,4.5457989241609216E-2,null,4237,null,4419,null,-4.1185788639963787]
["Operating costs",null,-6069,null,-6101,null,0.52450417964268148,null,-1919,null,-1967,null,2.440264361972547]
["Operating lease depreciation",null,-563,null,-525,null,-7.2380952380952381,null,-189,null,-179,null,-5.5865921787709496]
["Costs",null,-6632,null,-6626,null,9.0552369453667375E-2,null,-2108,null,-2146,null,1.7707362534948743]
["Impairment",null,-336,null,-943,null,64.36903499469777,null,-157,null,-236,null,33.474576271186443]
["Underlying profit excluding TSB",null,6237,null,5630,null,10.781527531083482,null,1972,null,2037,null,-3.1909671084928815]
["TSB",null,118,null,344,null,null,null,"-",null,118]
["Underlying profit",null,6355,null,5974,null,6.3776364245061927,null,1972,null,2155,null,-8.491879350348027]
[null,null,null,null,""]
["Asset sales and other items",null,-955,null,-1296,null,null,null,-377,null,-268]
["Simplification costs",null,-69,null,-650,null,null,null,-37,null,-131]
["TSB costs",null,-745,null,-414,null,null,null,0,null,-105]
["Payment protection insurance provision",null,-1900,null,-1500,null,null,null,-500,null,-900]
["Other conduct provisions",null,-535,null,-500,null,null,null,-100,null,"-"]
["Profit before tax – statutory",null,2151,null,1614,null,33.271375464684013,null,958,null,751,null,27.563249001331556]
["Taxation",null,-536,null,-222,null,null,null,-268,null,-58]
["Profit for the period",null,1615,null,1392,null,16.020114942528735,null,690,null,693,null,-0.4329004329004329]
[]
["Underlying earnings per share",null,6.7,null,6.3,null,"0.4p",null,2.1,null,2.2000000000000002,null,-0.10000000000000009]
["Earnings per share ",null,1.8,null,1.7,null,"0.1p",null,0.8,null,0.9,null,-9.9999999999999978E-2]
[]
["Banking net interest margin1",null,2.6278798538417455E-2,null,2.3900000000000001E-2,null,23.787985384174544,null,2.6352973162305449E-2,null,2.47E-2,null,16.529731623054488]
["Average interest-earning banking assets1",null,442.7602156275874,null,463.5,null,-4.474602885094412,null,438.70511466287712,null,459.4,null,-4.5047638957603082]
["Cost:income ratio2",null,0.48006644518272423,null,0.48099999999999998,null,-9.3355481727581263E-2,null,0.4740612648221344,null,0.46400000000000002,null,1.006126482213437]
["Asset quality ratio1",null,1.0773236737962723E-3,null,2.5999999999999999E-3,null,-15.226763262037275,null,1.4730787564967507E-3,null,1.9E-3,null,-4.2692124350324931]
["Return on risk-weighted assets",null,3.6700000000000003E-2,null,3.0499999999999999E-2,null,62.000000000000043,null,3.4700000000000002E-2,null,3.3700000000000001E-2,null,10.000000000000009]
["Return on assets",null,1.0200000000000001E-2,null,9.4999999999999998E-3,null,7.0000000000000098,null,9.4999999999999998E-3,null,1.01E-2,null,-5.9999999999999982]
["Underlying return on required equity",null,0.15710629957419417,null,0.14000000000000001,null,1.7106299574194141,null,0.14775714579274188,null,0.154,null,-0.62428542072581061]
["Statutory return on required equity",null,4.4182011755774554E-2,null,3.9E-2,null,0.51820117557745549,null,5.9875585883651911E-2,null,5.8999999999999997E-2,null,8.7558588365192022E-2]
[]
["BALANCE SHEET AND KEY RATIOS"]
[]
[null,null,null,null,"At 30 Sept",null,"At 30 June",null,"Change",null,"At 31 Dec",null,"Change"]
[null,null,null,null,"2015",null,2015,null,"%",null,"2014",null,"%"]
[]
["Loans and advances to customers3",null,null,null,454.99999999999994,null,452,null,0.66371681415927941,null,478,null,-4.8117154811715599]
["Customer deposits",null,null,null,418.40000000000003,null,417,null,"-",null,447,null,-6.3982102908277323]
["Loan to deposit ratio",null,null,null,1.0900000000000001,null,1.0900000000000001,null,"-",null,1.07,null,1.999999999999988]
["Common equity tier 1 ratio",null,null,null,0.1365415877964592,null,0.13300000000000001,null,0.3541587796459188,null,0.128,null,0.85415877964591802]
["Transitional total capital ratio",null,null,null,0.22216679657053781,null,0.217,null,0.51667965705378105,null,0.22,null,0.21667965705378031]
["Risk-weighted assets",null,null,null,224.5,null,227,null,-1.1013215859030838,null,240,null,-6.4583333333333339]
["Leverage ratio",null,null,null,4.9643102321695907E-2,null,4.9000000000000002E-2,null,6.4310232169590559E-2,null,4.9000000000000002E-2,null,6.4310232169590559E-2]
["Tangible net assets per share",null,null,null,55.008693701273202,null,53.5,null,1.5086937012732022,null,54.9,null,0.10869370127320366]
[]
["1Excluding TSB."]
["2Operating lease depreciation deducted from income and costs and excluding TSB."]
["3Excludes reverse repos of £nil (31 December 2014: £5.1 billion)."]

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["TOTAL INCOME"]
[null,null,"Nine",null,"Nine",null,"Change"]
[null,null,"months",null,"months"]
[null,null,"ended",null,"ended"]
[null,null,"30 Sept",null,"30 Sept"]
[null,null,"2015",null,"2014"]
[null,null,"£ million",null,"£ million",null,"%"]
[]
["Net interest income",null,8578,null,8245,null,3.8820237817673116]
["Other income",null,4627,null,4954,null,-7.0672141776529074]
["Total income",null,13205,null,13199,null,"-"]
[]
["Banking net interest margin",null,2.6278798538417455E-2,null,2.3900000000000001E-2,null,23.787985384174544]
["Average interest-earning banking assets",null,442.7602156275874,null,463.5,null,-4.474602885094412]

{"sheet":"3","index":4,"n_rows":14,"n_cols":7,"rows_kept":14,"cut":false,"hidden":false,"merged":[[1,6,5,6],[13,0,13,4],[1,0,5,0],[1,1,5,1],[1,3,5,3],[1,5,5,5]]}
["COSTS"]
[null,null,"Nine",null,"Nine",null,"Change"]
[null,null,"months",null,"months"]
[null,null,"ended",null,"ended"]
[null,null,"30 Sept",null,"30 Sept"]
[null,null,"2015",null,"2014"]
[null,null,"£ million",null,"£ million",null,"%"]
[]
["Operating costs",null,6069,null,6101,null,0.52450417964268148]
["Operating lease depreciation",null,563,null,525,null,-7.2380952380952381]
["Costs",null,6632,null,6626,null,"-"]
["Cost:income ratio1",null,0.48006644518272423,null,0.48099999999999998,null,-9.3355481727581263E-2]
[]
["1Operating lease depreciation deducted from income and costs."]

{"sheet":"4","index":5,"n_rows":19,"n_cols":7,"rows_kept":19,"cut":false,"hidden":false,"merged":[[1,0,5,0],[1,1,5,1],[1,3,5,3],[1,5,5,5],[1,6,5,6],[13,0,14,0],[13,1,14,1],[13,3,14,3],[13,5,14,5],[13,6,14,6]]}
["IMPAIRMENT"]
[null,null,"Nine",null,"Nine",null,"Change"]
[null,null,"months",null,"months"]
[null,null,"ended",null,"ended"]
[null,null,"30 Sept",null,"30 Sept"]
[null,null,"2015",null,"2014"]
[null,null,"£ million",null,"£ million",null,"%"]
[]
["Ongoing business impairment charge",null,352,null,593,null,40.640809443507585]
["Run-off impairment (release)/charge",null,-16,null,350]
["Total impairment charge",null,336,null,943,null,64.36903499469777]
["Asset quality ratio",null,1.0773236737962723E-3,null,2.5999999999999999E-3,null,-15.226763262037275]
[]
[null,null,"At 30 Sept",null,"At 31 Dec"]
[null,null,"2015",null,"2014"]
[null,null,"%",null,"%"]
[]
["Impaired loans as a % of advances",null,2.1449382501304575,null,2.9,null,-0.8]
["Coverage ratio",null,49.066580338836737,null,56.4,null,-7.3]

{"sheet":"5","index":6,"n_rows":26,"n_cols":5,"rows_kept":26,"cut":false,"hidden":false,"merged":[[2,0,6,0],[2,1,6,1],[2,3,6,3]]}
["STATUTORY PROFIT"]
[]
[null,null,"Nine",null,"Nine"]
[null,null,"months",null,"months"]
[null,null,"ended",null,"ended"]
[null,null,"30 Sept",null,"30 Sept"]
[null,null,"2015",null,"2014"]
[null,null,"£ million",null,"£ million"]
[]
["Underlying profit",null,6355,null,"5,974 "]
["Asset sales and other items:"]
["Asset sales and volatility",null,-573,null,-1282]
["Fair value unwind",null,-136,null,-471]
["Other items",null,-246,null,457]
[null,null,-955,null,-1296]
["Simplification costs",null,-69,null,-650]
["TSB: "]
["Build and dual running costs",null,-85,null,-414]
["Charge relating to disposal",null,-660,null,"− "]
[null,null,-745,null,-414]
["Payment protection insurance provision",null,-1900,null,-1500]
["Other conduct provisions",null,-535,null,-500]
["Profit before tax – statutory",null,2151,null,"1,614 "]
["Taxation",null,-536,null,-222]
["Profit for the period",null,1615,null,"1,392 "]
["Statutory return on required equity",null,4.4182011755774554E-2,null,3.9E-2]

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["FUNDING, LIQUIDITY AND CAPITAL RATIOS"]
[]
[null,null,"At 30 Sept",null,"At 30 June",null,"Change",null,"At 31 Dec",null,"Change"]
[null,null,"2015",null,"2015",null,"%",null,"2014",null,"%"]
[]
["Wholesale funding",null,125.2,null,116,null,7.9310344827586228,null,116.49,null,7.4770366555069172]
["Wholesale funding <1 year maturity",null,42.3,null,38.9,null,8.7403598971722332,null,41,null,3.1707317073170662]
["Of which money-market funding <1 year maturity1",null,25.6,null,20,null,28.000000000000007,null,19,null,34.736842105263165]
["Loan to deposit ratio",null,1.0874999999999999,null,1.0900000000000001,null,-0.22935779816515306,null,1.07,null,"2pp"]
["Primary liquid assets2",null,118.49,null,109,null,8.7064220183486203,null,109.3,null,8.4080512351326604]
[]
["Common equity tier 1 capital ratio3",null,0.1365415877964592,null,0.13300000000000001,null,"0.4pp",null,0.128,null,"0.9pp"]
["Transitional tier 1 capital ratio",null,0.17224807927847677,null,0.16800000000000001,null,"0.4pp",null,0.16500000000000001,null,"0.7pp"]
["Transitional total capital ratio",null,0.22216679657053781,null,0.217,null,"0.5pp",null,0.22,null,"0.2pp"]
["Leverage ratio",null,0.05,null,4.9000000000000002E-2,null,"0.1pp",null,4.9000000000000002E-2,null,"0.1pp"]
["Risk-weighted assets",null,224.5,null,227,null,-1.1013215859030838,null,240,null,-6.4583333333333339]
[]
["Shareholders’ equity",null,43.225999999999999,null,42.256,null,2.2955319954562641,null,43.335000000000001,null,-0.25152878735433659]
[]
["1Excludes balances relating to margins of £2.7billion (31 December 2014: £2.8 billion) and settlement accounts of £1.2 billion (31 December 2014: £1.4 billion)."]
["2Primary liquid assets at 31 December 2014 included balances relating to TSB of £4.5 billion (30 September 2015: £nil)."]
["3Excluding the impact of the dividend announced with the 2015 half year results, the ratio was 13.9 per cent; common equity tier 1 ratio is the same on both fully loaded and transitional bases."]

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["STATUTORY CONSOLIDATED INCOME STATEMENT AND BALANCE SHEET (UNAUDITED)"]
[]
[null,null,"Nine",null,"Nine"]
[null,null,"months",null,"months"]
[null,null,"ended",null,"ended"]
[null,null,"30 Sept",null,"30 Sept"]
[null,null,"2015",null,"2014"]
["Income statement",null,"£ million",null,"£ million"]
[]
["Net interest income",null,9016,null,8090]
["Other income, net of insurance claims",null,3646,null,4067]
["Total income, net of insurance claims",null,12662,null,12157]
["Total operating expenses",null,-10312,null,-9677]
["Impairment",null,-199,null,-866]
["Profit before tax",null,2151,null,1614]
["Taxation",null,-536,null,-222]
["Profit for the period",null,1615,null,1392]
[]
["Profit attributable to ordinary shareholders",null,1246,null,1144]
["Profit attributable to other equity holders",null,295,null,189]
["Profit attributable to equity holders",null,1541,null,1333]
["Profit attributable to non-controlling interests",null,74,null,59]
["Profit for the period",null,1615,null,1392]
[]
[]
["Balance sheet",null,"At 30 Sept",null,"At 31 Dec"]
[null,null,"2015",null,"2014"]
[null,null,"£ million",null,"£ million"]
[]
["Assets"]
["Cash and balances at central banks",null,61278,null,50492]
["Trading and other financial assets at fair value through profit or loss",null,145164,null,151931]
["Derivative financial instruments",null,30760,null,36128]
["Loans and receivables",null,479391,null,510072]
["Available-for-sale financial assets",null,33594,null,56493]
["Held-to-maturity investments",null,19761,null,0]
["Other assets",null,47765,null,49780]
["Total assets",null,817713,null,854896]
[]
["Liabilities"]
["Deposits from banks",null,17176,null,10887]
["Customer deposits",null,418576,null,447067]
["Trading and other financial liabilities at fair value through profit or loss",null,54894,null,62102]
["Derivative financial instruments",null,27697,null,33187]
["Debt securities in issue",null,86329,null,76233]
["Liabilities arising from insurance and investment contracts",null,100522,null,114166]
["Subordinated liabilities",null,23301,null,26042]
["Other liabilities",null,40216,null,35309]
["Total liabilities",null,768711,null,804993]
[]
["Shareholders' equity",null,43226,null,43335]
["Other equity instruments",null,5355,null,5355]
["Non-controlling interests",null,421,null,1213]
["Total equity",null,49002,null,49903]
["Total equity and liabilities",null,817713,null,854896]

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["SUMMARY OF MOVEMENTS IN TOTAL EQUITY"]
[]
[null,null,null,null,"Other",null,"Non-"]
[null,null,"Shareholders'",null,"equity",null,"controlling",null,"Total"]
[null,null,"equity",null,"instruments",null,"interests",null,"equity"]
[null,null,"£m",null,"£m",null,"£m",null,"£m"]
[]
["Balance at 1 January 2015",null,43335,null,5355,null,1213,null,49903]
["Movements in the period:"]
["Profit for the period",null,1541,null,"-",null,74,null,1615]
["Defined benefits pension schemes remeasurements",null,420,null,"-",null,"-",null,420]
["AFS revaluation reserve",null,-429,null,"-",null,"-",null,-429]
["Cash flow hedging reserve",null,-14,null,"-",null,"-",null,-14]
["Dividends",null,-1070,null,"-",null,-24,null,-1094]
["Distributions on other equity instruments, net of tax",null,-235,null,"-",null,"-",null,-235]
["Treasury sares and employee award schemes",null,-326,null,"-",null,"-",null,-326]
["Adjustment on sale of interest in TSB",null,"-",null,"-",null,-825,null,-825]
["Other movements",null,4,null,"-",null,-17,null,-13]
[]
["Balance at 30 September 2015",null,43226,null,5355,null,421,null,49002]
[]
[]
[null,null,null,null,"Other",null,"Non-"]
[null,null,"Shareholders'",null,"equity",null,"controlling",null,"Total"]
[null,null,"equity",null,"instruments",null,"interests",null,"equity"]
[null,null,"£m ",null,"£m ",null,"£m ",null,"£m "]
[]
["Balance at 1 July 2015",null,42256,null,5355,null,430,null,48041]
["Movements in the period:"]
["Profit for the period",null,667,null,"-",null,23,null,690]
["Defined benefits pension schemes remeasurements",null,662,null,"-",null,"-",null,662]
["AFS revaluation reserve",null,-362,null,"-",null,"-",null,-362]
["Cash flow hedging reserve",null,696,null,"-",null,"-",null,696]
["Dividends",null,-535,null,"-",null,-14,null,-549]
["Distributions on other equity instruments, net of tax",null,-78,null,"-",null,"-",null,-78]
["Treasury sares and employee award schemes",null,-57,null,"-",null,"-",null,-57]
["Other movements",null,-23,null,"-",null,-18,null,-41]
[]
["Balance at 30 September 2015",null,43226,null,5355,null,421,null,49002]

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["RECONCILIATION BETWEEN STATUTORY AND UNDERLYING BASIS RESULTS"]
[]
[null,null,null,"Removal of:"]
[null,null,"Lloyds"]
[null,null,"Banking",null,"Asset sales",null,null,null,null,null,null,null,"PPI and other"]
[null,null,"Group",null,"and other",null,null,null,null,null,"Insurance",null,"conduct",null,"Underlying"]
[null,null,"statutory",null,"items1",null,"Simplification2",null,"TSB3",null,"gross up",null,"provisions",null,"basis"]
["Nine months to 30 September 2015",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,"","","","","","","","","","","",""]
["Net interest income",null,9016,null,257,null,0,null,-192,null,-503,null,0,null,8578,null,null,""]
["Other income, net of insurance claims",null,3646,null,582,null,0,null,-36,null,435,null,0,null,4627]
["Total income",null,12662,null,839,null,0,null,-228,null,-68,null,0,null,13205]
["Operating expenses4",null,-10312,null,272,null,69,null,836,null,68,null,2435,null,-6632]
["Impairment",null,-199,null,-156,null,0,null,19,null,0,null,0,null,-336]
["TSB",null,0,null,0,null,0,null,118,null,0,null,0,null,118]
["Profit before tax",null,2151,null,955,null,69,null,745,null,0,null,2435,null,6355]
[]
[]
[null,null,null,"Removal of:"]
[null,null,"Lloyds"]
[null,null,"Banking",null,"Asset sales",null,null,null,null,null,null,null,"PPI and other"]
[null,null,"Group",null,"and other",null,null,null,null,null,"Insurance",null,"conduct",null,"Underlying"]
[null,null,"statutory",null,"items5",null,"Simplification",null,"TSB6",null,"gross up",null,"provisions",null,"basis"]
["Nine months to 30 September 2014",null,"£m",null,"£m",null,"£m",null,"£m",null,"£m",null,"£m",null,"£m"]
[]
["Net interest income",null,8090,null,470,null,0,null,-593,null,278,null,0,null,8245]
["Other income, net of insurance claims",null,4067,null,1365,null,0,null,-106,null,-372,null,0,null,4954]
["Total income",null,12157,null,1835,null,0,null,-699,null,-94,null,0,null,13199]
["Operating expenses4",null,-9677,null,-388,null,650,null,695,null,94,null,2000,null,-6626]
["Impairment",null,-866,null,-151,null,0,null,74,null,0,null,0,null,-943]
["TSB",null,"-",null,"-",null,0,null,344,null,0,null,0,null,344]
["Profit before tax",null,1614,null,1296,null,650,null,414,null,0,null,2000,null,5974]
[]
["1 Comprises the effects of asset sales (loss of £2 million), volatile items (loss of £249 million), liability management (loss of £6 million), volatility arising in insurance businesses (gain of £316 million), the amortisation of purchased intangibles (loss of £246 million) and fair value unwind (loss of £136 million)."]
["2 Comprises Simplification costs related to restructuring for the next phase of the programme."]
["3 Comprises the underlying results of TSB, dual running and build 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 £79 million), volatile items (gain of £214 million), liability management (loss of £1,378 million), volatility arising in insurance businesses (loss of £197 million), the past service pension credit (gain of £710 million), the amortisation of purchased intangible (loss of £253 million) and fair value unwind (loss of £471 million)."]
["6 Comprises the underlying results of TSB, dual running and build costs."]

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["QUARTERLY UNDERLYING BASIS INFORMATION"]
[]
[null,null,"Quarter",null,"Quarter",null,"Quarter",null,"Quarter",null,"Quarter"]
[null,null,"ended",null,"ended",null,"ended",null,"ended",null,"ended"]
[null,null,"30 Sept",null,"30 June",null,"31 Mar",null,"31 Dec",null,"30 Sept"]
[null,null,"2015",null,"2015",null,"2015",null,"2014",null,"2014"]
["Group",null,"£m",null,"£m",null,"£m",null,"£m",null,"£m"]
[]
["Net interest income",null,2863,null,2886,null,2829,null,"2,730 ",null,"2,841 "]
["Other income",null,1374,null,1661,null,1592,null,"1,513 ",null,"1,578 "]
["Total income",null,4237,null,4547,null,"4,421 ",null,"4,243 ",null,"4,419 "]
["Operating costs",null,-1919,null,-2130,null,-2020,null,-2221,null,-1967]
["Operating lease depreciation",null,-189,null,-191,null,-183,null,-195,null,-179]
["Costs",null,-2108,null,-2321,null,-2203,null,-2416,null,-2146]
["Impairment",null,-157,null,-21,null,-158,null,-159,null,-236]
["Underlying profit excluding TSB",null,1972,null,"2,205 ",null,"2,060 ",null,"1,668 ",null,"2,037 "]
["TSB",null,"− ",null,"− ",null,"118 ",null,"114 ",null,"118 "]
["Underlying profit",null,1972,null,"2,205 ",null,"2,178 ",null,"1,782 ",null,"2,155 "]
["Asset sales and other items",null,-377,null,-385,null,-193,null,-49,null,-268]
["Simplification costs",null,-37,null,-6,null,-26,null,-316,null,-131]
["TSB costs",null,"− ",null,"− ",null,-745,null,-144,null,-105]
["Conduct provisions",null,-600,null,-1835,null,"− ",null,-1125,null,-900]
["Statutory profit (loss) before tax",null,958,null,-21,null,"1,214 ",null,"148 ",null,"751 "]
[]
["Banking net interest margin1",null,2.6352915758368844E-2,null,"2.65% ",null,"2.60% ",null,"2.42% ",null,"2.47% "]
["Average interest-earning banking assets1",null,"£438.7bn",null,"£443.2bn",null,"£446.5bn",null,"£453.9bn",null,"£459.4bn"]
["Cost:income ratio1,2",null,0.4740612648221344,null,"48.9% ",null,"47.7% ",null,"54.9% ",null,"46.4% "]
["Asset quality ratio1",null,1.4730787564967507E-3,null,"0.03% ",null,"0.14% ",null,"0.14% ",null,"0.19% "]
["Return on risk-weighted assets",null,3.465645914584236E-2,null,"3.84% ",null,"3.73% ",null,"2.89% ",null,"3.37% "]
["Return on assets",null,9.4999999999999998E-3,null,"1.06% ",null,"1.05% ",null,"0.83% ",null,"1.01% "]
[]
["1 Excluding TSB."]
["2 Operating lease depreciation deducted from income and costs."]

{"sheet":"11","index":12,"n_rows":54,"n_cols":7,"rows_kept":54,"cut":false,"hidden":false,"merged":[[2,0,3,0],[2,1,3,1],[2,3,3,3],[51,0,51,4],[52,0,52,4]]}
["CAPITAL AND LEVERAGE DISCLOSURES"]
[]
[null,null,"At 30 Sept",null,"At 31 Dec"]
[null,null,"2015",null,"2014"]
["Capital resources (transitional)",null,"£ million",null,"£ million"]
["Common equity tier 1"]
["Shareholders’ equity per balance sheet ",null,43226,null,"43,335 "]
["Deconsolidation of insurance entities",null,-1063,null,-824]
["Other adjustments  ",null,-1055,null,-1183]
[null,null,41108,null,"41,328 "]
["Deductions from common equity tier 1 ",null,-10452,null,-10639]
["Common equity tier 1 capital1,2",null,30656,null,30689]
[]
["Additional tier 1 instruments ",null,9177,null,9728]
["Deductions from tier 1 ",null,-1160,null,-859]
["Total tier 1 capital2",null,38673,null,"39,558 "]
[]
["Tier 2 instruments and eligible provisions ",null,12943,null,"14,530 "]
["Deductions from tier 2 ",null,-1735,null,-1288]
["Total capital resources2",null,49881,null,"52,800 "]
[]
["Risk-weighted assets "]
["Foundation IRB Approach",null,69151,null,72393]
["Retail IRB Approach",null,66564,null,72886]
["Other IRB Approach",null,17258,null,15324]
["IRB Approach",null,152973,null,160603]
["Standardised Approach",null,21495,null,25444]
["Contributions to the default fund of a central counterparty",null,478,null,515]
["Credit risk",null,174946,null,"186,562 "]
["Counterparty credit risk",null,8359,null,"9,108 "]
["Credit valuation adjustment ",null,1435,null,"2,215 "]
["Operational risk ",null,26279,null,"26,279 "]
["Market risk ",null,3375,null,"4,746 "]
["Underlying risk-weighted assets",null,214394,null,228910]
["Threshold risk-weighted assets ",null,10125.630307083084,null,"10,824 "]
["Total risk-weighted assets1",null,224519.63030708308,null,"239,734 "]
[null,null,null,null,null,null,"                                                         "]
["Leverage"]
["Total tier 1 capital (fully loaded)",null,36011,null,"36,044 "]
[]
["Statutory balance sheet assets ",null,817713,null,854896]
["Deconsolidation and other adjustments  ",null,-152913,null,-165184]
["Off-balance sheet items  ",null,58411,null,50980]
["Total exposure3",null,723211.00126156851,null,740692]
[]
["Ratios2"]
["Common equity tier 1 capital ratio1",null,0.13653999999999999,null,"12.8% "]
["Transitional tier 1 capital ratio",null,0.17224807927847677,null,"16.5% "]
["Transitional total capital ratio",null,0.22196417297396484,null,"22.0% "]
["Leverage ratio3",null,4.9643102321695907E-2,null,"4.9% "]
[]
["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 No dividend accrual has been recognised in CET1 capital for the second half of the year as the Board has not yet considered the appropriate level of payout for the full year."]
["3 Calculated in accordance with CRD IV rules, as amended by delegated act (January 2015). "]