美国银行对美林的收购和莱斯银行对哈利法克斯银行的强制购买都是可怕的事情。

Bank of America's purchase of Merrill Lynch and Lloyds TSB's takeover of HBOS have been horror stories.

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劳埃德集团可能会出售它在苏格兰的分行，哈利法克斯银行在那儿已经占据了很大的市场份额。

Lloyds may sell its branches in Scotland, where HBOS has a big market share.

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苏格兰皇家银行持续亏损，劳埃德银行和苏格兰哈利法克斯银行为削减成本的运营整合尚未全面奏效。

The slimming-down of RBS and the cost-cutting integration of the operations of Lloyds and HBOS have yet to take their full toll.

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