Lloyds said its £570m loss was "primarily due to PPI provisions" of £3.5 billion.
It said underlying profit for 2012 was £2.6 billion, an increase on the £638 million posted for 2011.
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Speaking as a Scot - not the ITN Scotland Correspondent - I am feeling a great anxiety about what lies ahead.
For many of us it has felt more like late summer than earlier autumn. But expect some misty, low cloud hit eastern counties tonight.
ITV Border's Political Editor Peter MacMahon on whether or not Scots have decided to end more than three centuries of history.