Lloyds Banking Group's new CEO, António Horta-Osório, had an easy option: to stay at the helm of Santander UK and await the promotion within the group that many saw as both imminent and inevitable. Instead, he left to front the bailed-out UK bank. In his first interview since joining Lloyds, he gives The Banker's editor, Brian Caplen, an insight into why he made the move.

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