• Lloyds embarks on a £21bn fundraising • Government's stake in RBS rising to 84%Alistair Darling hailed today's multibillion-pound shake-up of the state-owned banks as good value for taxpayers.In a statement to MPs in the Commons, the chancellor defended the controversial changes to the structure of Lloyds Banking Group and Royal Bank of Scotland, which could see the taxpayer stump up as much as £39bn and potentially create three new high-street banks.Under fire from the shadow chancellor, George Osborne, who called Britain's bank bailout a "world record", Darling said: "We are now able to achieve our objectives on financial stability and banking reform at a lower overall cost to the taxpayer."He said Lloyds would now be a stronger bank and ...