Lloyds Banking Group plc Key Executives
This section highlights Lloyds Banking Group plc's key executives, including their titles and compensation details.
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Lloyds Banking Group plc Earnings
This section highlights Lloyds Banking Group plc's earnings, including key dates, EPS, earnings reports, and earnings call transcripts.
Next Earnings Date
Last Earnings Results
Earnings Call Transcripts
Transcript | Quarter | Year | Date | Estimated EPS | Actual EPS |
---|---|---|---|---|---|
Read Transcript | Q4 | 2024 | 2025-02-20 | $0.08 | $0.05 |
Read Transcript | Q3 | 2024 | 2024-10-23 | $0.09 | $0.10 |
Read Transcript | Q2 | 2024 | 2024-07-25 | $0.07 | $0.09 |
Read Transcript | Q4 | 2023 | 2024-02-22 | $0.09 | $0.11 |
Read Transcript | Q2 | 2023 | 2023-07-26 | $0.09 | $0.08 |

Lloyds Banking Group plc, together with its subsidiaries, provides a range of banking and financial services in the United Kingdom. It operates through three segments: Retail; Commercial Banking; and Insurance and Wealth. The Retail segment offers a range of financial service products, including current accounts, savings, mortgages, motor finance, unsecured loans, leasing solutions, and credit cards to personal and small business customers. The Commercial Banking segment provides lending, transactional banking, working capital management, risk management, debt financing, and debt capital market services to small and medium-sized entities, corporates, and financial institutions. The Insurance and Wealth segment offers insurance, investment and wealth management products and services. It also provides digital banking services. The company offers its products and services under the Lloyds Bank, Halifax, Bank of Scotland, and Scottish Widows brands. Lloyds Banking Group plc was founded in 1695 and is based in London, the United Kingdom.
$3.94
Stock Price
$59.13B
Market Cap
61.23K
Employees
London, None
Location
Financial Statements
Access annual & quarterly financial statements for Lloyds Banking Group plc, including income statements, balance sheets, and cash flow statements..
Annual Income Statement
Breakdown | December 31, 2024 | December 31, 2023 | December 31, 2022 | December 31, 2021 | December 31, 2020 |
---|---|---|---|---|---|
Revenue | $17.57B | $18.41B | $18.21B | $16.32B | $15.13B |
Cost of Revenue | $- | $-802.00M | $- | $- | $- |
Gross Profit | $17.57B | $19.21B | $18.21B | $16.32B | $15.13B |
Gross Profit Ratio | 100.00% | 104.36% | 100.00% | 100.00% | 100.00% |
Research and Development Expenses | $- | $- | $- | $- | $- |
General and Administrative Expenses | $- | $- | $265.00M | $210.00M | $189.00M |
Selling and Marketing Expenses | $- | $- | $170.00M | $161.00M | $187.00M |
Selling General and Administrative Expenses | $11.77B | $7.36B | $435.00M | $371.00M | $376.00M |
Other Expenses | $- | $- | $9.29B | $10.43B | $8.85B |
Operating Expenses | $11.77B | $7.36B | $9.73B | $10.80B | $9.22B |
Cost and Expenses | $11.77B | $7.36B | $9.68B | $10.80B | $9.22B |
Interest Income | $31.29B | $28.05B | $17.64B | $13.26B | $14.31B |
Interest Expense | $19.01B | $14.75B | $3.69B | $3.89B | $3.56B |
Depreciation and Amortization | $3.43B | $2.90B | $2.40B | $2.83B | $2.73B |
EBITDA | $- | $- | $7.17B | $9.72B | $3.96B |
EBITDA Ratio | 0.00% | 0.00% | 39.37% | 59.57% | 26.17% |
Operating Income | $17.57B | $11.05B | $10.52B | $6.80B | $1.16B |
Operating Income Ratio | 100.00% | 60.03% | 57.77% | 41.66% | 7.65% |
Total Other Income Expenses Net | $-11.60B | $-3.55B | $-3.27B | $-3.55B | $-2.73B |
Income Before Tax | $5.97B | $7.50B | $6.93B | $6.90B | $1.23B |
Income Before Tax Ratio | 33.98% | 40.75% | 38.05% | 42.28% | 8.11% |
Income Tax Expense | $1.49B | $1.99B | $1.37B | $1.02B | $-161.00M |
Net Income | $4.42B | $5.46B | $5.46B | $5.78B | $1.32B |
Net Income Ratio | 25.16% | 29.65% | 29.98% | 35.43% | 8.71% |
EPS | $0.22 | $0.30 | $0.32 | $0.30 | $0.07 |
EPS Diluted | $0.20 | $0.30 | $0.31 | $0.30 | $0.07 |
Weighted Average Shares Outstanding | 17.83B | 16.24B | 17.21B | 17.73B | 17.65B |
Weighted Average Shares Outstanding Diluted | 15.77B | 16.44B | 17.42B | 17.95B | 17.81B |
SEC Filing | Source | Source | Source | Source | Source |
Breakdown | December 31, 2024 | September 30, 2024 | June 30, 2024 | March 31, 2024 | December 31, 2023 | September 30, 2023 | June 30, 2023 | March 31, 2023 | December 31, 2022 | September 30, 2022 | June 30, 2022 | March 31, 2022 | December 31, 2021 | September 30, 2021 | June 30, 2021 | March 31, 2021 | December 31, 2020 | September 30, 2020 | June 30, 2020 | March 31, 2020 |
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Revenue | $5.13B | $8.01B | $4.49B | $11.32B | $5.31B | $4.31B | $4.79B | $4.81B | $4.93B | $4.54B | $4.59B | $4.13B | $4.04B | $4.20B | $4.21B | $3.87B | $3.89B | $3.63B | $-13.80B | $21.69B |
Cost of Revenue | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- |
Gross Profit | $5.13B | $8.01B | $4.49B | $11.32B | $5.31B | $4.31B | $4.79B | $4.81B | $4.93B | $4.54B | $4.59B | $4.13B | $4.04B | $4.20B | $4.21B | $3.87B | $3.89B | $3.63B | $-13.80B | $21.69B |
Gross Profit Ratio | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% |
Research and Development Expenses | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- |
General and Administrative Expenses | $- | $- | $- | $- | $- | $- | $- | $- | $1.70B | $- | $- | $- | $1.39B | $584.00M | $584.00M | $- | $1.20B | $- | $- | $- |
Selling and Marketing Expenses | $- | $- | $- | $- | $- | $- | $- | $- | $170.00M | $- | $- | $- | $161.00M | $3.21B | $3.21B | $- | $187.00M | $- | $- | $- |
Selling General and Administrative Expenses | $3.73B | $1.83B | $4.09B | $- | $7.36B | $3.36B | $3.36B | $- | $7.56B | $3.22B | $3.22B | $- | $7.28B | $3.80B | $3.80B | $- | $6.66B | $208.00M | $302.00M | $224.00M |
Other Expenses | $- | $2.45B | $-2.75B | $-9.63B | $-3.03B | $-2.31B | $-3.56B | $2.31B | $2.65B | $2.51B | $2.19B | $2.33B | $2.90B | $2.41B | $2.45B | $2.33B | $3.07B | $-1.86B | $-15.64B | $-17.88B |
Operating Expenses | $3.73B | $4.28B | $2.75B | $9.63B | $3.62B | $2.25B | $2.64B | $2.31B | $2.65B | $2.51B | $2.19B | $2.33B | $2.90B | $2.41B | $2.45B | $2.33B | $3.07B | $2.07B | $-15.64B | $20.18B |
Cost and Expenses | $3.73B | $4.28B | $2.79B | $9.69B | $3.62B | $2.25B | $2.64B | $2.31B | $2.65B | $2.51B | $2.19B | $2.33B | $2.90B | $2.41B | $2.45B | $2.33B | $3.07B | $2.07B | $-15.64B | $20.18B |
Interest Income | $22.16B | $- | $12.39B | $3.04B | $17.94B | $- | $9.61B | $3.43B | $6.58B | $3.63B | $4.30B | $3.13B | $6.18B | $529.00M | $4.28B | $2.27B | $5.31B | $2.62B | $2.39B | $5.18B |
Interest Expense | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $26.00M | $- | $- | $- | $- | $- | $- | $- | $- |
Depreciation and Amortization | $- | $-3.73B | $-1.91B | $-1.63B | $-2.35B | $-1.67B | $-1.79B | $-2.26B | $-1.88B | $-422.00M | $-1.76B | $-1.54B | $-1.45B | $-1.91B | $-2.12B | $-1.90B | $2.00B | $208.00M | $174.00M | $-137.00M |
EBITDA | $- | $1.82B | $-214.00M | $- | $-574.00M | $185.00M | $- | $2.26B | $-116.00M | $1.09B | $279.00M | $1.62B | $- | $- | $- | $1.90B | $- | $1.24B | $- | $-63.00M |
EBITDA Ratio | 0.00% | 22.77% | -4.77% | 0.00% | -10.80% | 4.30% | 0.00% | 47.00% | -2.35% | 23.94% | 6.08% | 39.28% | 0.00% | 0.00% | 0.00% | 49.03% | 0.00% | 34.22% | 0.00% | -0.29% |
Operating Income | $1.40B | $5.56B | $1.91B | $1.63B | $1.77B | $1.84B | $1.59B | $2.26B | $1.72B | $1.44B | $1.95B | $1.65B | $926.00M | $1.99B | $1.97B | $1.90B | $723.00M | $1.04B | $-681.00M | $60.00M |
Operating Income Ratio | 27.25% | 69.41% | 42.55% | 14.39% | 33.28% | 42.82% | 33.19% | 47.00% | 34.88% | 31.78% | 42.54% | 39.91% | 22.91% | 47.37% | 46.70% | 49.03% | 18.58% | 28.50% | 4.93% | 0.28% |
Total Other Income Expenses Net | $-573.00M | $-3.73B | $- | $- | $29.00M | $- | $1.05B | $- | $-523.00M | $66.00M | $77.00M | $-26.00M | $-817.00M | $1.50B | $1.23B | $- | $-435.00M | $-208.00M | $-2.51B | $-1.44B |
Income Before Tax | $824.00M | $1.82B | $1.70B | $1.63B | $1.77B | $1.86B | $1.61B | $2.26B | $1.76B | $1.51B | $2.04B | $1.62B | $968.00M | $2.03B | $2.01B | $1.90B | $792.00M | $1.04B | $-676.00M | $74.00M |
Income Before Tax Ratio | 16.07% | 22.77% | 37.78% | 14.39% | 33.41% | 43.15% | 33.63% | 47.00% | 35.69% | 33.24% | 44.41% | 39.28% | 23.95% | 48.30% | 47.67% | 49.03% | 20.35% | 28.50% | 4.90% | 0.34% |
Income Tax Expense | $124.00M | $490.00M | $467.00M | $413.00M | $541.00M | $438.00M | $387.00M | $619.00M | $239.00M | $299.00M | $416.00M | $419.00M | $548.00M | $429.00M | $-461.00M | $501.00M | $112.00M | $348.00M | $-215.00M | $-406.00M |
Net Income | $690.00M | $1.21B | $1.21B | $1.20B | $1.23B | $1.41B | $1.20B | $1.62B | $1.50B | $1.06B | $1.58B | $1.01B | $399.00M | $1.45B | $2.32B | $1.29B | $611.00M | $688.00M | $-466.00M | $466.00M |
Net Income Ratio | 13.46% | 15.11% | 26.95% | 10.64% | 23.09% | 32.65% | 25.10% | 33.80% | 30.44% | 23.43% | 34.41% | 24.44% | 9.87% | 34.59% | 55.13% | 33.32% | 15.70% | 18.93% | 3.38% | 2.15% |
EPS | $0.03 | $0.08 | $0.07 | $0.07 | $0.07 | $0.08 | $0.06 | $0.09 | $0.09 | $0.07 | $0.09 | $0.06 | $0.02 | $0.09 | $0.14 | $0.07 | $0.03 | $0.03 | $-0.03 | $0.03 |
EPS Diluted | $0.04 | $0.07 | $0.07 | $0.07 | $0.06 | $0.08 | $0.06 | $0.09 | $0.09 | $0.07 | $0.09 | $0.06 | $0.02 | $0.09 | $0.14 | $0.07 | $0.03 | $0.03 | $-0.03 | $0.03 |
Weighted Average Shares Outstanding | 19.37B | 15.35B | 15.75B | 15.98B | 16.14B | 15.70B | 16.70B | 16.41B | 16.74B | 16.87B | 17.06B | 18.04B | 17.73B | 17.72B | 16.86B | 17.73B | 16.73B | 16.73B | 17.40B | 17.40B |
Weighted Average Shares Outstanding Diluted | 15.60B | 17.04B | 15.75B | 15.98B | 16.95B | 15.70B | 16.70B | 17.16B | 16.87B | 16.87B | 17.82B | 18.04B | 17.95B | 17.83B | 17.71B | 17.73B | 16.73B | 16.73B | 17.40B | 17.40B |
SEC Filing | Source | Source | Source | Source | Source | Source | Source | Source | Source | Source | Source | Source | Source | Source | Source | Source | Source | Source | Source | Source |
Annual Balance Sheet
Breakdown | December 31, 2024 | December 31, 2023 | December 31, 2022 | December 31, 2021 | December 31, 2020 |
---|---|---|---|---|---|
Cash and Cash Equivalents | $62.68B | $79.02B | $91.63B | $76.57B | $73.56B |
Short Term Investments | $- | $60.39B | $-35.78B | $- | $- |
Cash and Short Term Investments | $62.68B | $139.41B | $91.63B | $76.57B | $73.56B |
Net Receivables | $- | $- | $- | $- | $- |
Inventory | $- | $- | $- | $- | $- |
Other Current Assets | $1.63B | $143.52B | $- | $- | $- |
Total Current Assets | $62.68B | $140.86B | $91.63B | $76.57B | $73.56B |
Property Plant Equipment Net | $- | $9.67B | $8.13B | $7.96B | $11.75B |
Goodwill | $- | $2.80B | $2.65B | $2.32B | $2.32B |
Intangible Assets | $8.19B | $5.51B | $4.79B | $4.20B | $4.14B |
Goodwill and Intangible Assets | $8.19B | $8.31B | $7.44B | $6.52B | $6.46B |
Long Term Investments | $- | $18.55B | $238.83B | $264.15B | $234.54B |
Tax Assets | $- | $5.18B | $5.23B | $3.12B | $2.74B |
Other Non-Current Assets | $835.83B | $697.67B | $-41.01B | $-3.12B | $-2.74B |
Total Non-Current Assets | $844.01B | $739.38B | $218.62B | $278.63B | $252.76B |
Other Assets | $- | $1.21B | $567.58B | $531.33B | $544.96B |
Total Assets | $906.70B | $881.45B | $877.83B | $886.52B | $871.27B |
Account Payables | $- | $- | $- | $857.00M | $- |
Short Term Debt | $- | $- | $- | $- | $- |
Tax Payables | $45.00M | $39.00M | $8.00M | $6.00M | $31.00M |
Deferred Revenue | $- | $- | $- | $- | $- |
Other Current Liabilities | $-45.00M | $5.44B | $-8.00M | $-863.00M | $-31.00M |
Total Current Liabilities | $8.73B | $5.48B | $76.23B | $81.28B | $92.62B |
Long Term Debt | $80.92B | $93.67B | $58.48B | $85.90B | $103.10B |
Deferred Revenue Non-Current | $- | $- | $830.09B | $84.62B | $101.61B |
Deferred Tax Liabilities Non-Current | $- | $- | $216.00M | $39.00M | $45.00M |
Other Non-Current Liabilities | $779.89B | $261.30B | $-888.79B | $-170.56B | $-103.10B |
Total Non-Current Liabilities | $860.81B | $354.96B | $830.31B | $84.66B | $101.66B |
Other Liabilities | $-8.73B | $473.64B | $-76.23B | $-81.28B | $-92.62B |
Total Liabilities | $860.81B | $834.09B | $830.31B | $84.66B | $101.66B |
Preferred Stock | $- | $- | $547.00M | $- | $- |
Common Stock | $6.06B | $6.36B | $6.73B | $7.10B | $7.08B |
Retained Earnings | $5.91B | $6.79B | $10.14B | $10.24B | $4.58B |
Accumulated Other Comprehensive Income Loss | $15.02B | $15.45B | $-547.00M | $4.04B | $5.98B |
Other Total Stockholders Equity | $18.72B | $18.57B | $18.50B | $20.41B | $17.86B |
Total Stockholders Equity | $45.72B | $47.16B | $47.28B | $52.92B | $49.18B |
Total Equity | $45.89B | $47.37B | $47.52B | $53.15B | $49.41B |
Total Liabilities and Stockholders Equity | $906.70B | $881.45B | $877.83B | $886.52B | $871.27B |
Minority Interest | $172.00M | $201.00M | $244.00M | $235.00M | $229.00M |
Total Liabilities and Total Equity | $906.70B | $881.45B | $877.83B | $886.52B | $871.27B |
Total Investments | $242.94B | $227.15B | $203.05B | $264.15B | $234.54B |
Total Debt | $80.92B | $93.67B | $84.55B | $84.66B | $101.66B |
Net Debt | $18.24B | $14.65B | $-7.08B | $8.09B | $28.10B |
Balance Sheet Charts
Breakdown | December 31, 2024 | September 30, 2024 | June 30, 2024 | March 31, 2024 | December 31, 2023 | September 30, 2023 | June 30, 2023 | March 31, 2023 | December 31, 2022 | September 30, 2022 | June 30, 2022 | March 31, 2022 | December 31, 2021 | September 30, 2021 | June 30, 2021 | March 31, 2021 | December 31, 2020 | September 30, 2020 | June 30, 2020 | March 31, 2020 |
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Cash and Cash Equivalents | $62.68B | $59.05B | $66.81B | $70.99B | $79.02B | $87.50B | $95.52B | $98.93B | $91.63B | $84.84B | $86.92B | $101.07B | $76.57B | $-68.87B | $79.13B | $83.53B | $73.56B | $- | $78.47B | $78.90B |
Short Term Investments | $- | $- | $- | $- | $- | $- | $- | $- | $- | $526.73B | $- | $512.04B | $-41.91B | $- | $- | $- | $- | $- | $- | $- |
Cash and Short Term Investments | $62.68B | $59.05B | $66.81B | $70.99B | $79.02B | $87.50B | $95.52B | $98.93B | $91.63B | $84.84B | $86.92B | $101.07B | $76.57B | $-68.87B | $79.13B | $83.53B | $73.56B | $- | $78.47B | $78.90B |
Net Receivables | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- |
Inventory | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- |
Other Current Assets | $1.63B | $- | $117.36B | $117.13B | $- | $- | $- | $- | $- | $84.84B | $- | $101.07B | $- | $68.87B | $- | $- | $- | $- | $- | $- |
Total Current Assets | $62.68B | $59.05B | $117.36B | $117.13B | $79.02B | $87.50B | $95.52B | $98.93B | $91.63B | $84.84B | $86.92B | $101.07B | $76.57B | $68.87B | $79.13B | $83.53B | $73.56B | $- | $78.47B | $78.90B |
Property Plant Equipment Net | $- | $- | $712.13B | $- | $9.67B | $- | $211.94B | $- | $8.13B | $- | $220.45B | $- | $7.96B | $- | $11.52B | $- | $8.41B | $- | $12.21B | $- |
Goodwill | $- | $- | $- | $- | $2.80B | $- | $- | $- | $2.65B | $- | $2.63B | $- | $2.32B | $- | $2.32B | $- | $2.32B | $- | $2.32B | $- |
Intangible Assets | $8.19B | $- | $8.31B | $- | $5.51B | $- | $8.20B | $- | $4.79B | $- | $4.40B | $- | $4.20B | $- | $4.30B | $- | $4.14B | $- | $3.98B | $- |
Goodwill and Intangible Assets | $8.19B | $- | $8.31B | $- | $8.31B | $- | $8.20B | $- | $7.44B | $- | $7.03B | $- | $6.52B | $- | $6.62B | $- | $6.46B | $- | $6.31B | $- |
Long Term Investments | $- | $19.98B | $18.98B | $18.82B | $269.02B | $262.63B | $209.95B | $248.71B | $203.05B | $240.57B | $217.20B | $256.13B | $264.15B | $23.19B | $217.31B | $223.64B | $206.07B | $- | $208.28B | $724.25B |
Tax Assets | $- | $- | $5.00B | $- | $5.18B | $- | $6.21B | $- | $5.23B | $- | $3.78B | $- | $194.81B | $- | $3.35B | $- | $- | $- | $- | $- |
Other Non-Current Assets | $835.83B | $821.81B | $31.14B | $753.68B | $-5.18B | $-262.63B | $-218.15B | $-248.71B | $-5.23B | $526.73B | $-224.23B | $512.04B | $-236.72B | $789.93B | $-3.35B | $-223.64B | $-220.93B | $- | $-226.80B | $-724.25B |
Total Non-Current Assets | $844.01B | $841.79B | $775.56B | $772.50B | $287.00B | $262.63B | $218.15B | $248.71B | $218.62B | $767.30B | $224.23B | $768.17B | $236.72B | $813.12B | $235.44B | $223.64B | $220.93B | $- | $226.80B | $724.25B |
Other Assets | $- | $- | $- | $- | $515.43B | $542.95B | $569.13B | $538.08B | $567.58B | $40.78B | $579.26B | $40.63B | $573.24B | $- | $565.12B | $562.37B | $576.78B | $- | $567.72B | $58.53B |
Total Assets | $906.70B | $900.84B | $892.93B | $889.63B | $881.45B | $893.09B | $882.80B | $885.72B | $877.83B | $892.92B | $890.41B | $909.88B | $886.52B | $882.00B | $879.69B | $869.54B | $871.27B | $- | $872.99B | $861.68B |
Account Payables | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $369.00M | $- | $857.00M | $- | $325.00M | $- | $- | $- | $- | $- |
Short Term Debt | $- | $- | $- | $- | $- | $- | $45.96B | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- |
Tax Payables | $45.00M | $- | $47.00M | $- | $39.00M | $- | $25.00M | $- | $8.00M | $- | $6.00M | $- | $6.00M | $- | $- | $- | $31.00M | $- | $33.00M | $- |
Deferred Revenue | $- | $- | $- | $- | $-1.43B | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- |
Other Current Liabilities | $-45.00M | $- | $39.68B | $- | $-39.00M | $- | $-45.99B | $- | $-8.00M | $- | $-375.00M | $- | $-863.00M | $- | $-325.00M | $- | $-31.00M | $- | $-33.00M | $- |
Total Current Liabilities | $8.73B | $481.61B | $39.73B | $37.46B | $39.13B | $41.59B | $45.99B | $47.34B | $76.23B | $46.38B | $60.90B | $46.52B | $81.28B | $- | $14.10B | $- | $- | $- | $- | $- |
Long Term Debt | $80.92B | $81.67B | $96.72B | $- | $94.97B | $- | $74.63B | $87.58B | $58.48B | $82.69B | $79.62B | $88.81B | $65.58B | $108.24B | $94.80B | $97.25B | $79.87B | $- | $116.75B | $117.58B |
Deferred Revenue Non-Current | $- | $- | $474.65B | $- | $93.51B | $- | $95.24B | $- | $830.09B | $- | $840.17B | $- | $-39.00M | $- | $827.76B | $- | $- | $- | $- | $- |
Deferred Tax Liabilities Non-Current | $- | $- | $146.00M | $- | $157.00M | $- | $181.00M | $- | $216.00M | $- | $164.00M | $- | $39.00M | $- | $42.00M | $- | $- | $- | $- | $- |
Other Non-Current Liabilities | $779.89B | $291.14B | $717.14B | $811.32B | $-94.97B | $- | $-170.04B | $-87.58B | $-888.79B | $-82.69B | $-919.96B | $-88.81B | $767.79B | $721.11B | $-922.60B | $-97.25B | $-79.87B | $- | $-116.75B | $-117.58B |
Total Non-Current Liabilities | $860.81B | $372.81B | $814.01B | $811.32B | $93.67B | $92.63B | $95.42B | $87.58B | $830.31B | $846.55B | $840.33B | $857.93B | $833.37B | $829.36B | $827.80B | $820.01B | $821.86B | $- | $824.13B | $809.00B |
Other Liabilities | $-8.73B | $- | $- | $- | $-39.13B | $-41.59B | $-45.99B | $-47.34B | $-76.23B | $-46.38B | $-60.90B | $-46.52B | $-81.28B | $829.36B | $-14.10B | $820.01B | $821.86B | $- | $824.13B | $809.00B |
Total Liabilities | $860.81B | $854.42B | $853.74B | $848.78B | $93.67B | $92.63B | $95.42B | $87.58B | $830.31B | $846.55B | $840.33B | $857.93B | $833.37B | $829.36B | $827.80B | $820.01B | $821.86B | $- | $824.13B | $809.00B |
Preferred Stock | $- | $- | $- | $- | $- | $- | $- | $- | $547.00M | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- |
Common Stock | $6.06B | $- | $6.25B | $6.37B | $6.36B | $6.36B | $6.46B | $6.66B | $6.73B | $39.93B | $6.90B | $46.25B | $7.10B | $46.50B | $7.10B | $43.40B | $7.08B | $43.40B | $7.08B | $46.60B |
Retained Earnings | $5.91B | $- | $5.51B | $7.25B | $6.79B | $6.15B | $6.08B | $8.25B | $10.14B | $- | $10.19B | $- | $10.24B | $- | $8.08B | $- | $4.58B | $- | $3.79B | $- |
Accumulated Other Comprehensive Income Loss | $15.02B | $9.25B | $8.53B | $8.36B | $1.36B | $6.78B | $6.19B | $7.15B | $-547.00M | $6.22B | $8.78B | $5.49B | $4.04B | $5.90B | $12.71B | $5.90B | $19.65B | $5.90B | $19.92B | $5.90B |
Other Total Stockholders Equity | $18.72B | $36.95B | $18.67B | $18.66B | $18.57B | $18.56B | $18.56B | $18.55B | $18.50B | $- | $18.49B | $- | $18.48B | $42.00M | $17.87B | $33.00M | $17.86B | $- | $17.86B | $-37.00M |
Total Stockholders Equity | $45.72B | $46.20B | $38.96B | $40.64B | $47.16B | $44.79B | $44.23B | $47.69B | $47.28B | $46.15B | $49.86B | $51.73B | $52.92B | $52.44B | $51.67B | $49.33B | $49.18B | $49.30B | $48.64B | $52.46B |
Total Equity | $45.89B | $46.43B | $39.19B | $40.85B | $47.37B | $45.01B | $44.48B | $47.93B | $47.52B | $46.37B | $50.08B | $51.94B | $53.15B | $52.64B | $51.89B | $49.53B | $49.41B | $49.50B | $48.86B | $52.68B |
Total Liabilities and Stockholders Equity | $906.70B | $900.84B | $892.93B | $889.63B | $881.45B | $893.09B | $882.80B | $885.72B | $877.83B | $892.92B | $890.41B | $909.88B | $886.52B | $882.00B | $879.69B | $869.54B | $871.27B | $49.50B | $872.99B | $861.68B |
Minority Interest | $172.00M | $231.00M | $226.00M | $210.00M | $201.00M | $220.00M | $251.00M | $248.00M | $244.00M | $223.00M | $219.00M | $210.00M | $235.00M | $200.00M | $219.00M | $197.00M | $229.00M | $200.00M | $222.00M | $217.00M |
Total Liabilities and Total Equity | $906.70B | $900.84B | $892.93B | $889.63B | $881.45B | $893.09B | $882.80B | $885.72B | $877.83B | $892.92B | $890.41B | $909.88B | $886.52B | $882.00B | $879.69B | $869.54B | $871.27B | $49.50B | $872.99B | $861.68B |
Total Investments | $242.94B | $19.98B | $18.98B | $18.82B | $269.02B | $262.63B | $209.95B | $248.71B | $203.05B | $767.30B | $217.20B | $768.17B | $222.24B | $23.19B | $217.31B | $223.64B | $206.07B | $- | $208.28B | $724.25B |
Total Debt | $80.92B | $81.67B | $136.40B | $137.65B | $93.67B | $92.63B | $95.42B | $87.58B | $90.56B | $82.69B | $85.06B | $88.81B | $85.98B | $108.24B | $94.80B | $97.25B | $100.62B | $- | $117.65B | $117.58B |
Net Debt | $18.24B | $22.61B | $69.60B | $66.66B | $14.65B | $5.13B | $-105.00M | $-11.35B | $-1.07B | $-2.15B | $-1.86B | $-12.26B | $9.41B | $177.12B | $15.67B | $13.72B | $27.07B | $- | $39.18B | $38.68B |
Annual Cash Flow
Breakdown | December 31, 2024 | December 31, 2023 | December 31, 2022 | December 31, 2021 | December 31, 2020 |
---|---|---|---|---|---|
Net Income | $4.42B | $7.50B | $6.93B | $6.90B | $1.23B |
Depreciation and Amortization | $1.32B | $2.90B | $2.40B | $2.83B | $2.73B |
Deferred Income Tax | $- | $- | $- | $- | $- |
Stock Based Compensation | $- | $- | $- | $- | $- |
Change in Working Capital | $-16.02B | $-4.88B | $32.63B | $-5.55B | $17.09B |
Accounts Receivables | $- | $- | $- | $- | $- |
Inventory | $- | $- | $- | $- | $- |
Accounts Payables | $- | $- | $- | $- | $- |
Other Working Capital | $-16.02B | $-4.88B | $1.30B | $-9.27B | $-12.98B |
Other Non Cash Items | $5.88B | $1.28B | $-19.94B | $2.44B | $6.13B |
Net Cash Provided by Operating Activities | $-4.39B | $6.81B | $22.01B | $6.62B | $27.17B |
Investments in Property Plant and Equipment | $-4.36B | $-5.46B | $-3.85B | $-3.23B | $-2.90B |
Acquisitions Net | $-179.00M | $-380.00M | $-373.00M | $-57.00M | $-3.00M |
Purchases of Investments | $- | $-10.31B | $-7.98B | $-8.98B | $-8.59B |
Sales Maturities of Investments | $- | $5.30B | $11.17B | $8.29B | $6.35B |
Other Investing Activities | $-3.15B | $1.03B | $1.55B | $1.44B | $1.15B |
Net Cash Used for Investing Activities | $-7.69B | $-9.82B | $510.00M | $-2.54B | $-4.00B |
Debt Repayment | $-7.00M | $-328.00M | $-1.38B | $-557.00M | $-3.87B |
Common Stock Issued | $- | $86.00M | $776.00M | $25.00M | $144.00M |
Common Stock Repurchased | $-3.83B | $-1.99B | $-2.01B | $- | $- |
Dividends Paid | $-2.33B | $-1.65B | $-1.48B | $-877.00M | $-453.00M |
Other Financing Activities | $237.00M | $-4.57B | $-3.37B | $-1.82B | $-1.14B |
Net Cash Used Provided by Financing Activities | $-5.93B | $-8.46B | $-6.61B | $-3.23B | $-5.32B |
Effect of Forex Changes on Cash | $-7.00M | $-480.00M | $727.00M | $70.00M | $-196.00M |
Net Change in Cash | $-18.02B | $-6.99B | $16.64B | $912.00M | $17.66B |
Cash at End of Period | $70.82B | $88.84B | $95.83B | $76.38B | $75.47B |
Cash at Beginning of Period | $88.84B | $95.83B | $79.19B | $75.47B | $57.81B |
Operating Cash Flow | $-4.39B | $6.81B | $22.01B | $6.62B | $27.17B |
Capital Expenditure | $-4.36B | $-5.46B | $-3.85B | $-3.23B | $-2.90B |
Free Cash Flow | $-8.76B | $1.35B | $18.16B | $3.39B | $24.27B |
Cash Flow Charts
Breakdown | December 31, 2024 | September 30, 2024 | June 30, 2024 | March 31, 2024 | December 31, 2023 | September 30, 2023 | June 30, 2023 | March 31, 2023 | December 31, 2022 | September 30, 2022 | June 30, 2022 | March 31, 2022 | December 31, 2021 | September 30, 2021 | June 30, 2021 | March 31, 2021 | December 31, 2020 | September 30, 2020 | June 30, 2020 | March 31, 2020 |
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Net Income | $690.00M | $1.32B | $1.34B | $1.07B | $1.23B | $1.41B | $1.32B | $1.51B | $962.00M | $461.00M | $1.28B | $1.12B | $399.00M | $1.56B | $2.44B | $1.38B | $611.00M | $688.00M | $-461.00M | $480.00M |
Depreciation and Amortization | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- |
Deferred Income Tax | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- |
Stock Based Compensation | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $196.00M | $- | $- | $- |
Change in Working Capital | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- |
Accounts Receivables | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- |
Inventory | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- |
Accounts Payables | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- |
Other Working Capital | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- |
Other Non Cash Items | $-690.00M | $-1.32B | $-1.34B | $-1.07B | $-1.23B | $-1.41B | $-1.32B | $-1.51B | $-962.00M | $-461.00M | $-1.28B | $-1.12B | $-399.00M | $-1.56B | $-2.44B | $-1.38B | $-807.00M | $-688.00M | $461.00M | $-480.00M |
Net Cash Provided by Operating Activities | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- |
Investments in Property Plant and Equipment | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- |
Acquisitions Net | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- |
Purchases of Investments | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- |
Sales Maturities of Investments | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- |
Other Investing Activities | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- |
Net Cash Used for Investing Activities | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- |
Debt Repayment | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- |
Common Stock Issued | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- |
Common Stock Repurchased | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- |
Dividends Paid | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- |
Other Financing Activities | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- |
Net Cash Used Provided by Financing Activities | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- |
Effect of Forex Changes on Cash | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- |
Net Change in Cash | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- |
Cash at End of Period | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- |
Cash at Beginning of Period | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- |
Operating Cash Flow | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- |
Capital Expenditure | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- |
Free Cash Flow | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- |
Lloyds Banking Group plc Dividends
Explore Lloyds Banking Group plc's dividend history, including dividend yield, payout ratio, and historical payments.
Dividend Yield
5.35%
Dividend Payout Ratio
41.35%
Dividend Paid & Capex Coverage Ratio
-0.89x
Lloyds Banking Group plc Dividend History
Dividend | Adjusted Dividend | Date | Record Date | Payment Date | Declaration Date |
---|---|---|---|---|---|
$0.1035 | $0.1035 | April 11, 2025 | April 11, 2025 | May 30, 2025 | February 25, 2025 |
$0.054636 | $0.054636 | August 05, 2024 | August 05, 2024 | September 20, 2024 | July 25, 2024 |
$0.09328 | $0.09328 | April 11, 2024 | April 12, 2024 | May 31, 2024 | February 27, 2024 |
$0.047545 | $0.047545 | August 04, 2023 | August 07, 2023 | September 22, 2023 | July 26, 2023 |
$0.077641 | $0.077641 | April 13, 2023 | April 14, 2023 | June 02, 2023 | March 02, 2023 |
$0.038 | $0.0385 | August 05, 2022 | August 08, 2022 | September 22, 2022 | July 27, 2022 |
$0.068 | $0.0696 | April 07, 2022 | April 08, 2022 | May 31, 2022 | March 16, 2022 |
$0.038 | $0.036994 | August 06, 2021 | August 09, 2021 | September 23, 2021 | July 29, 2021 |
$0.032227 | $0.032227 | April 15, 2021 | April 16, 2021 | June 04, 2021 | February 26, 2021 |
$0.055 | $0.055 | August 09, 2019 | August 12, 2019 | September 23, 2019 | |
$0.112 | $0.1119 | April 04, 2019 | April 05, 2019 | May 31, 2019 | March 08, 2019 |
$0.056 | $0.05552 | August 16, 2018 | August 17, 2018 | October 09, 2018 | August 03, 2018 |
$0.114 | $0.1141 | April 19, 2018 | April 20, 2018 | June 08, 2018 | March 05, 2018 |
$0.053 | $0.052932 | August 09, 2017 | August 11, 2017 | October 10, 2017 | July 28, 2017 |
$0.108 | $0.108 | April 05, 2017 | April 07, 2017 | May 26, 2017 | March 02, 2017 |
$0.045 | $0.045 | August 10, 2016 | August 12, 2016 | October 11, 2016 | August 01, 2016 |
$0.111 | $0.111 | April 06, 2016 | April 08, 2016 | May 27, 2016 | |
$0.047 | $0.047 | August 12, 2015 | October 08, 2015 | ||
$0.046 | $0.0457 | April 02, 2015 | April 07, 2015 | May 29, 2015 | March 06, 2015 |
$1.449 | $1.449 | December 14, 2009 | December 18, 2009 | December 10, 2009 |
Lloyds Banking Group plc News
Read the latest news about Lloyds Banking Group plc, including recent articles, headlines, and updates.
Lloyds Banking Group: Quarterlies in the offing; is now the time to buy?
As Lloyds Banking Group PLC (LSE:LLOY) readies its first quarter results, the share price, hovering around 73p, has prompted fresh debate: is this a buying opportunity, or should investors await the actual figures? To decide, it helps to understand Lloyd's key metrics, the forces at play and the risks ahead.

Chart Of The Day: 2025 'Top Picks' Top Performers Speak Volumes
MoneyShow produces an annual “Top Picks” report containing the best investing ideas for the coming year from a rotating roster of top expert contributors. The MoneyShow Chart of the Day shows which recommendations in the 2025 Top Picks Report have performed the best through this week. The table speaks volumes about how the market's character has changed radically.

Why Barclays, not Lloyds remains the pick of the undervalued UK banking sector
UBS remains upbeat on the outlook for UK banks ahead of the first-quarter earnings season, with strong balance sheets, attractive valuations and resilient credit quality underpinning the broker's positive stance ahead of reporting season early next month. Shares in Barclays PLC (LSE:BARC), NatWest Group PLC (LSE:NWG) and Standard Chartered PLC (LSE:STAN) are the Swiss bank's top picks in the sector, with analysts highlighting their exposure to robust trading income and attractive capital returns.

Lloyds Banking Group in the cross-hairs as recession fears haunt the financial sector
Lloyds Banking Group PLC (LSE:LLOY) shares fell as much as 6% in early Monday trading, as fears of a global recession triggered by President Trump's sweeping new tariffs rattled financial markets. While Lloyds is more focused on the UK economy than its international peers, it remains highly sensitive to broader economic sentiment.

FCA intervention may complicate pay-out process; so what does this mean for Lloyds investors?
The Financial Conduct Authority (FCA) pushed back against a sweeping court ruling that could force banks to pay out billions in motor finance compensation, which may limit payouts but complicate the compensation process, according to research from RBC Capital. Submitting its views to the Supreme Court, the FCA said the Court of Appeal had gone “too far” by assuming all car dealers owed customers a fiduciary duty - meaning a legal obligation to act in their best interest.

Lloyds and Close Bros in the Supreme Court spotlight as motor finance hearing begins
Tuesday is "crunch time" for lenders including Lloyds and Close Brothers, analysts said, as the UK's Supreme Court hearing begins into the motor finance mis-selling. The case relates to claims from car finance borrowers seeking redress over undisclosed commissions paid to motor broker-dealers.

XBT.com Surpasses $3M at Lloyds Auctions, Poised to Be the Largest Crypto Domain Sale Since 2021
The premium crypto domain XBT.com has surpassed $3 million USD in its ongoing auction at Lloyds, positioning it as one of the most valuable digital asset domain sales in recent history and potentially the largest crypto domain sale since 2021 The premium crypto domain XBT.com has surpassed $3 million USD in its ongoing auction at Lloyds, positioning it as one of the most valuable digital asset domain sales in recent history and potentially the largest crypto domain sale since 2021

Lloyds Bank CEO says motor finance matters won't derail transformation plan
Lloyds Banking Group CEO Charlie Nunn said on Tuesday he saw no risk his transformation plan for Britain's biggest mortgage lender would be blown off course by the legal and regulatory scrutiny into its motor finance commission arrangements.

Lloyds, Close Bros and other motor finance lenders face redress scheme, says FCA
A motor finance redress scheme has been proposed by the UK financial watchdog if the current review, including a looming Supreme Court decision, finds that customers have lost out due to widespread failings by lenders, including Lloyds Banking Group PLC (LSE:LLOY) and Close Brothers Group PLC (LSE:CBG). In that case, the Financial Conduct Authority (FCA) confirmed that it is likely to launch a consultation about an industry-wide redress scheme.

Lloyds Banking Group's market dominance a key reason to buy the stock
Lloyds Banking Group PLC (LSE:LLOY) is Jefferies' top UK banking pick, with analysts highlighting its market dominance, solid financial position, and strong earnings outlook. The investment bank has set a price target of 85p for the stock, implying 21% upside from current levels.

Up 33% year-to-date, has Lloyds run its race? One leading investment bank thinks so
Citi has ranked Lloyds Banking Group PLC (LSE:LLOY) as the 'least preferred' UK bank in its coverage, assigning the lender a 'neutral' rating and expressing concerns over its ability to deliver upside surprises. While UK banks have seen strong year-to-date gains, with shares rising between 9% and 303%, Lloyds has been one of the top performers alongside Standard Chartered.

Lloyds gets twin upgrade as shares seen playing catch-up
Lloyds Banking Group PLC (LSE:LLOY) was given a boost on Tuesday as analysts at Morgan Stanley and Peel Hunt upped their expectations and raised share price targets. Morgan Stanley upgraded its rating on the shares to 'overweight' from 'equalweight' and raised its price target to 90p from 70p.

Lloyds gets a boost of sorts from mid-tier bank
Lloyds Banking Group PLC (LSE:LLOY) got a boost (of sorts) from Peel Hunt, which raised its price target by 17% to 70p following a strong end to 2024. The bank's fourth-quarter underlying profit before tax came in 13% ahead of consensus, even after setting aside an additional £700 million for motor finance provisions.

Lloyds Bank plc: 2024 Form 20-F Filed
LONDON, Feb. 27, 2025 (GLOBE NEWSWIRE) -- Lloyds Bank plc announces that on 27 February 2025 it filed its Annual Report on Form 20-F for the year ended 31 December 2024 with the Securities and Exchange Commission. A copy of the Form 20-F is available through the 'Investors' section of our website at www.lloydsbankinggroup.com and also online at www.sec.gov Shareholders can receive hard copies of the complete audited financial statements free of charge upon request.

Lloyds Banking up 3.5% after upgrade from leading investment bank
Shares in Lloyds Banking Group PLC (LSE:LLOY) jumped 3.5% after Deutsche Bank raised its price target from 80p to 88p while maintaining its 'buy' recommendation. It cited strong revenue growth, book value expansion, and robust capital returns as key drivers of its optimism.

Lloyds Banking Group: Is it time to 'buy'. These two banks think not.
RBC Capital has raised its price target for Lloyds Banking Group PLC (LSE:LLOY) from 60p to 70p, reflecting stronger forecasts for the bank's earnings and shareholder returns. The bank's latest results showed steady progress, with rising net interest income and lower-than-expected costs helping to support profitability.

Lloyds and other motor finance lenders paid large commissions upfront - report
Lloyds Banking Group PLC (LSE:LLOY) and other motor finance lenders paid large upfront commissions to individual car dealerships, according to a report from the Guardian. The newspaper said court documents showed the lenders made these payments, with the filings state that the practice encouraged the car salespeople to favour those loan providers even if it would result in higher payments for the buyer.

Lloyds Banking Group: Underlying Trends Remain Positive Despite More Motor Provisions
Lloyds Banking Group delivered solid fourth quarter results, although another round of motor commission provisions drove a bottom line miss. Underlying trends were better for the bank. Hedge income continues to power net interest margin expansion, which will be a tailwind this year and next, while asset quality remains resilient. These shares trade for a little under 1.3x tangible book value, justified by the bank's strong underlying profitability and the prospect of increasing capital returns.

Lloyds Banking Group plc (LYG) Q4 2024 Earnings Conference Call Transcript
Lloyds Banking Group plc (NYSE:LYG ) Q4 2024 Earnings Conference Call February 20, 2025 4:30 AM ET Company Participants Charlie Nunn - Executive Director and Group Chief Executive William Chalmers - Executive Director and CFO Douglas Radcliffe - Group IR Director Conference Call Participants Benjamin Toms - RBC Perlie Mong - Bank of America Jonathan Pierce - Jefferies Ben Caven Roberts - Goldman Sachs Chris Cant - Autonomous Amit Goel - Mediobanca Charlie Nunn Good morning, everyone. And thank you for joining our 2024 Full Year Results Presentation at our brilliant new London Headquarters.

Lloyds jumps 7% as solid figures shine through motor uncertainty
Lloyds Banking Group PLC's move to set aside further funds to cover a potential hit from a probe into historic motor finance commission deals did little to deter investors on Thursday. Shares jumped 7.0% in the wake of full-year figures, where it said an additional £700 million provision had been made in the fourth quarter to cover possible remuneration.

Lloyds profit down a fifth, extra £700mln set aside for motor finance probe
Lloyds Banking Group PLC saw profit drop by a fifth last year and set aside hundreds of millions in the final quarter to cover a potential hit from motor finance mis-selling. Statutory pre-tax profit tumbled 20% to £5.97 billion in the year to December 31, the lender said Thursday, against company-compiled consensus expectations for £6.39 billion.

Close Brothers, Lloyds fall; traders cite UK court decision on motor finance
Shares in British lenders Close Brothers and Lloyds Banking group fell on Monday, with traders and analysts citing reports that the Treasury has been blocked from intervening into the Supreme Court review of the motor finance misselling case.

Lloyds shares at almost 6yr high as final results near
Lloyds Banking Group PLC (LSE:LLOY) reports final results on Thursday 20 February, with the lender's shares up over 50% in the past 12months to almost a six-year high. However, they have been lagging in analyst affections in recent months, with the cloud of a large potential hit from motor finance commission looming - though some have hopes that things will not be as bad as expected.

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