Exhibit 13.1

Securities and Exchange Commission
450 Fifth Street N.W.
Washington, D.C.

29 June 2005

Ladies and Gentlemen,

906 CERTIFICATION

CERTIFICATION PURSUANT TO SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002

(SUBSECTIONS (a) AND (b) OF SECTION 1350, CHAPTER 63 OF TITLE 18, UNITED

STATES CODE)

The certification set forth below is being submitted in connection with the Annual Report on Form 20-F for the year ended 31 December 2004 (the “Report”) for the purpose of complying with Rule 13a-14(b) or Rule 15d-14(b) of the Securities Exchange Act of 1934 (the “Exchange Act”) and Section 1350 of Chapter 63 of Title 18 of the United States Code.

J. Eric Daniels, the Group Chief Executive, and Helen A. Weir, the Group Finance Director, of Lloyds TSB Group plc, each certifies that, to the best of their knowledge:

1. the Report fully complies with the requirements of Section 13(a) or 15(d) of the Exchange Act; and

2. the information contained in the Report fairly presents, in all material respects, the financial condition and results of operations of Lloyds TSB Group plc.

 

      /s/    J E Daniels

J. Eric Daniels
Group Chief Executive

      /s/    H A Weir

Helen A. Weir
Group Finance Director