LONDON -- Standard&Poor's CreditWire 10/9/95 -- Standard&Poor's is monitoring discussions between TSB Group PLC and Lloyds Bank PLC, following today's announcement that the two institutions are in discussions on the terms of a possible merger between the two organizations. At the moment, information concerning any possible merger is insufficient for Standard&Poor's to take any definitive rating action. In particular, the implications for the financial structure of the combined entity are unclear. (The ratings of both institutions are listed below.) A merger between the two institutions would create the U.K.'s third- largest financial services group, with about total assets of UK116.1 billion (US$183.4 billion). The transaction would further strengthen Lloyds' position in the U.K. residential
