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An extra £465m provision to compensate customers affected by the Payment Protection Insurance scancal A further £500m provision for Interest Rate Hedging Products (controversial products sold to small firms which left many stuck with unfairly high borrowing costs).
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This covers costs for mis-selling payment protection insurance (PPI) and also provisions for interest rate hedging products.
A "wider provision for the minority interest" w to be made, by turning over to a new "Network Three" the time that the Third had lost.
In its results statement, Lloyds also said it had increased its provision for mis-selling interest rate hedging products to small and medium-sized business to £310m in the fourth quarter, taking its total provision for these products to £400m in 2012.
A glaring one was the provision eliminating the deduction for interest paid on credit cards and other consumer loans.
People have a right to financial privacy if they have done nothing wrong but the law makes no provision for a public-interest defence.
Nonetheless, Republicans said many in their party were as angry as Democrats when they were forced to deal with last-minute provisions for business interests that House Republican leaders inserted in the bill late last week, without bothering to tell Senate Republicans.
Some employer retirement plans have provisions for low-interest loans that can be used for any purpose.
NAB detailed a £420m provision for PPI and £250m for interest rate swap mis-selling while other charges of £269m were also taken for IT systems and deferred tax assets that had been held in the US.
On Tuesday Barclays set aside a further £1bn to cover the costs of compensation for mis-selling PPI and interest rate swaps – taking total provision for PPI to £2.6bn and for interest rate swaps to £850m.
Our proprietary lease does not contain any provision imposing interest or a penalty for late payment of maintenance.
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Justyna Jupowicz-Kozak
CEO of Professional Science Editing for Scientists @ prosciediting.com