REVIEWER: Huw Ellison, group IT support manager, Lloyds TSB Group.

BACKGROUND: Lloyds TSB is part of the Lloyds TSB Group ­ one of the leading UK-based financial services groups, whose businesses provide a comprehensive range of banking and financial services in the UK and overseas. At the end of 1999, total Group assets were £176 billion ($255 billion), and there were more than 76,000 employees. Operating profit in 2001 increased by £267 million ($386 million), or six percent, to £4,462 million ($6,457 million) from £4,195 million ($6,070 million) in 2000.

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