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.
加上苏格兰首都金融业的核心、曾经辉煌的银行——苏格兰皇家银行和苏格兰哈利法克斯银行被肆意的挥霍拖垮，看来问题根源深刻。
With its once-mighty Banks, RBS and HBOS, the heart of the Scottish capital's financial industry, brought low by reckless profligacy, the problems look deep.
如果这项规定要跟巴塞尔协定挂钩的话，总比率会达到13.5%，这样很容易的就可以帮助英国哈利法克斯苏格兰银行挽回损失。
If this were in line with the Basel rules it would take the total ratio to 13.5%, easily enough to have dealt with the losses of Britain's worst blow-up, HBOS.
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.
显而易见的是，欧盟委员会将会强令苏格兰皇家银行以及劳埃德银行集团（即合并后的劳埃德TSB银行和哈利法克斯银行）进行改组。
The elephant in the room is what restructuring the commission will force on RBS and Lloyds Banking Group (the merged Lloyds TSB and HBOS).
显而易见的是，欧盟委员会将会强令苏格兰皇家银行以及劳埃德银行集团（即合并后的劳埃德TSB银行和哈利法克斯银行）进行改组。
The elephant in the room is what restructuring the commission will force on RBS and Lloyds Banking Group (the merged Lloyds TSB and HBOS).
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