Lender lloyds, posting a profit bigger than estimated. For more, lets bring in mark and richard. Richard, lets start with you. In terms of what lloyds is doing, this is better than expected. Richard it is. These numbers are pretty good. There are no items really below the line, which we werent expecting. There was a charge for the tsb. However making a 1. 2 billion pound profit after that is still pretty good. They also said they expect to beat their own guidance for profitability margins this year. That is pretty good for a bank that is already producing some of the best profitability among british lenders already. Guy and theres francine and theres nothing in terms of provisions. Richard i think theres a feeling that it is just this quarter. Last year, lloyds didnt take any provisions. Last year, it took over a billion pounds worth of provisions for the payment protection insurance. That would probably help this year. Some analysts are expecting about one billion pounds of gain. That
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