Lloyds Banking Group just wants to be normal. It is getting there, albeit with some important caveats.

The UK bank, still nearly one-third government owned, rushed out headline numbers for 2013 on Monday, the top line a consensus-beating £6.2 billion ($10.2 billion) in underlying profit. With a core tier one equity ratio of 10.3% the bank's balance sheet is finally healthy again. And annual loan growth of 3% isn't to be sniffed at.