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Skeptics, including some former top Lloyds executives, say Mr. Horta-Osório is simply reaping the benefits of Lloyds controlling a huge share of the U.K. retail banking market, a testament to the strategy of Mr. Horta-Osório's predecessor, Eric Daniels. And Lloyds continues to struggle in a number of areas, including compensating customers who were wrongfully sold financial products.
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