Actual real life readings from bikes will vary but the theory says that 13.7v is 0.5 volts over the maximum the battery can hold and I'd say was an acceptable charging voltage. Your battery will have 6 cells and each cell will be 2.2v fully charged, 6 x 2.2v = 13.2v. The standing voltage of 12.8v is quite good. I shouldn't worry, most peoples bikes will probably be worse than yours!
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