A mid-level playing field

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Preston has a very clear idea of his goal. "The clear low-hanging fruit for Lloyds - we don't have a big international book - is the UK and particularly the UK mid-market," he says. "We have very good market share, we have a good branch network and we have great penetration to the UK mid-market."

Against the investment banking giants, Lloyds TSB would be outclassed, Preston admits: "We need to be clear in our own heads where we can be valuable and where we can't be competitive. So, if a large

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