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    Lloyds made a £300m loss before making provision for PPI mis-selling, which albeit is £500m down on last years results can be explained as they are undergoing a large reorganisation, which will cut 15,0000 staff, close 632 branches and withdraw from 50% of the countries it does business in currently. this reorganisation will ultimately see a much more efficient organisation.

    Whilst I would rather see these types of institutions used to create jobs in small local communities through maintaining their branch network, I have to recognise that they are commercial organisations that must make a return for their shareholders in the medium to long term.

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