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I forgot to add a couple of links that perhaps throw more light on Lloyds and the management team performance:

http://www.kpmg.com/UK/en/IssuesAndInsights/ArticlesPublications/Documents/PDF/Market Sector/Financial Services/uk-banks-performance-benchmarking-report-hy-2012.pdf

http://www.lloydsbankinggroup.com/media/pdfs/investors/2012/2012_LBG_HalfYear_Results_Presentation.pdf

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