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Lloyds Banking Group plc
Lloyds Banking Group logo
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* LSE 62.70 GBp Positive sign NYSE $3.21 Positive sign Share price
Lloyds Banking Group plc
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OUR PURPOSE AND STRATEGY
Our purpose is Helping Britain Prosper.
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* Financial wellbeing
* Supporting businesses
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CHAMPIONING SOCIAL HOUSING
Social housing is an integral part of the UK’s housing landscape.
Social housing
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Lloyds Banking Group incorporates many household names.
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SUSTAINABILITY REPORT 2023
This report provides an update on our progress towards the Group's
sustainability ambitions.
Download the report PDF, 14MB (opens in a new tab)
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CRISIS
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WHO WAS FLORA MURRAY?
As with all necessary struggles it’s often the actions of brilliant and
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ANNUAL REPORT
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WHY INVEST IN LLOYDS BANKING GROUP?
Higher, more sustainable returns as we continue to Help Britain Prosper.
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LLOYDS BANKING GROUP IMPLEMENTS SIGNLY ON ITS JOB SEARCH PAGES
Lloyds Banking Group is the first FTSE 100 company to implement Signly on
its job search pages.
Read the press release
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A-Z: FROM ANXIETY TO ZERO WAY OUT
It's the alphabet that no child should have to learn.
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MUSIC AND MASTER DATA STRATEGY
Xinyi is pioneering master data strategy at the Group alongside her
part-time role as a concert pianist.
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* About the Group About the Group collapsed
* Purpose and strategy
* Directors
* Group Executive Committee
* Corporate Governance
* Risk management
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* Complaints data
OUR PURPOSE AND STRATEGY
Our purpose is Helping Britain Prosper.
Purpose and strategy
* What we do What we do collapsed
* Financial wellbeing
* Supporting businesses
* Supporting the housing market
* Fighting fraud
* Public affairs and policy
* Investing in fintech
CHAMPIONING SOCIAL HOUSING
Social housing is an integral part of the UK’s housing landscape.
Social housing
* Brands Brands collapsed
* Lloyds Bank
* Bank of Scotland
* Halifax
* Scottish Widows
* Other brands
OUR BRANDS
Lloyds Banking Group incorporates many household names.
Our brands
* Environmental sustainability Environmental sustainability collapsed
* Operational emissions
* Woodland Trust
* Making homes greener
* Nature
SUSTAINABILITY REPORT 2023
This report provides an update on our progress towards the Group's
sustainability ambitions.
Download the report PDF, 14MB (opens in a new tab)
* Social sustainability Social sustainability collapsed
* Charity and community
* Cost of living support
* Crisis partnership
* Diversity and inclusion
CRISIS
In 2023 we partnered with Crisis.
Our partnership
* Heritage Heritage collapsed
* Lloyds Bank
* Halifax
* Bank of Scotland
* Scottish Widows
* Timeline
* Company archives
* Roll of honour
WHO WAS FLORA MURRAY?
As with all necessary struggles it’s often the actions of brilliant and
tenacious individuals that create lasting change.
Read the article
* Downloads
* Annual report Annual report collapsed
* Annual report archive
ANNUAL REPORT
Disclosures relating to our strategic, financial, operational, environmental
and social performance.
Download the report PDF, 15MB (opens in new tab)
* Financial downloads Financial downloads collapsed
* Event presentations and webcasts
FINANCIAL DOWNLOADS
Latest and archived results for Lloyds Banking Group and its main
subsidiaries.
Financial downloads Opens in same tab
* Investor news Investor news collapsed
* Regulatory news
* Email alerts
FINANCIAL CALENDAR
See all the key dates in the financial year.
Financial calendar Financial calendar
* Shareholder information Shareholder information collapsed
* Our investment case
* Share price
* Shareholder services
* Financial calendar
* Dividends
* Shareholder meetings
WHY INVEST IN LLOYDS BANKING GROUP?
Higher, more sustainable returns as we continue to Help Britain Prosper.
Our investment case
* Fixed income investors Fixed income investors collapsed
* Downloads
* Capital issuance
* Covered bonds
* Securitisation
* Unsecured funding
* ESG & sustainable bonds
* Credit ratings
* ESG information
* Press releases Press releases collapsed
* Lloyds Banking Group
* Lloyds Bank
* Halifax
* Bank of Scotland
LLOYDS BANKING GROUP IMPLEMENTS SIGNLY ON ITS JOB SEARCH PAGES
Lloyds Banking Group is the first FTSE 100 company to implement Signly on its
job search pages.
Read the press release
* Insights Insights collapsed
* Our people
* Fraud
* Digital technology
* Investments
* Housing
* Sustainability
* Diversity
* Pensions
A-Z: FROM ANXIETY TO ZERO WAY OUT
It's the alphabet that no child should have to learn.
Read the article
* Group news
* Roles and departments Roles and departments collapsed
* Customer-focused
* Tech and data
* Specialist functions
TECH AND DATA ROLES
If you want to bring your knowledge and skills to a truly transformative,
widescale digital environment, we’d love to hear from you.
Search for jobs
* Culture and inclusion Culture and inclusion collapsed
* Colleague stories
* Our values
* Health and wellbeing
* Flexible working
MUSIC AND MASTER DATA STRATEGY
Xinyi is pioneering master data strategy at the Group alongside her part-time
role as a concert pianist.
Read Xinyi's story
* Brands Brands collapsed
* Lloyds Bank
* Bank of Scotland
* Halifax
* Scottish Widows
OUR BRANDS
Lloyds Banking Group is best known for its portfolio of financial services
brands.
Our brands
* Benefits
* Learn and develop
* About applying
* Early careers
* Search jobs
2023 ANNUAL REPORT
See how the Group’s performing in our 2023 annual report and accounts.
Annual report highlights
2024 Q3 RESULTS
Our 2024 Q3 IMS was published at 7am on Wednesday 23 October.
Financial downloads
BOARD GOVERNANCE EVENT HOSTED BY SIR ROBIN BUDENBURG
Register for our Board governance event with Sir Robin Budenberg, Chair, and
other Non-Executive Directors of the Group on Monday 2 December at 2.30pm.
Webcast registration Opens video in new tab
WHY INVEST IN LLOYDS BANKING GROUP?
Our strategic vision, how we create value and what sets us apart.
Our investment case
2023 ANNUAL REPORT
See how the Group’s performing in our 2023 annual report and accounts.
Annual report highlights
2024 Q3 RESULTS
Our 2024 Q3 IMS was published at 7am on Wednesday 23 October.
Financial downloads
*
*
*
*
We’re creating a more sustainable and inclusive future for people and
businesses, shaping finance as a force for good.
2024 Q3 RESULTS
Our 2024 Q3 IMS was published at 7am on Wednesday 23 October. William Chalmers,
Chief Financial Officer, will host a webcast presentation at 9.30am.
Announcement
Presentation
Excel download
Live webcast
Shareholder FAQs
2024 Q3 IMS HIGHLIGHTS
The Group delivered a robust financial performance in the third quarter of 2024,
with growth in income alongside continued cost discipline and strong asset
quality. Our performance allows us confidently to reaffirm our 2024 guidance.
--------------------------------------------------------------------------------
£1.3bn
Statutory profit after tax
£4.3bn
Net income
£2.3bn
Operating costs
15.2%
Return on tangible equity
52.5p
Tangible net asset value per share
14.3%
CET1 ratio
Financial downloads
OUR PURPOSE AND STRATEGY
Our purpose is Helping Britain Prosper. This forms the basis of our strategy to
profitably deliver for all of our stakeholders.
Our purpose and strategy
Play button, click to open video player
Popup window
Transcript
Hi, Charlie. It's great to be here to talk to you about Half Year Results. We're
at a really important point in our strategic plan. How do you think it's going
in terms of the transformation?
We announced a robust financial performance for the first six months of 2024.
We're delivering in line with our expectations, and we're feeling really good
about the overall strategic transformation. We're about halfway through our five
year strategy, and the next two and a half years are the really important part
for the Group.
GROW FOCUS CHANGE
We talked about our strategy in three buckets - Grow, Focus and Change. Grow
was about really focusing back on our customers, differentiating our services,
proving that we could bring the whole value of Lloyds Banking Group to our
customers across all of our business units.
And we've got great examples where we are growing market share. We committed to
about 1.5 billion of new revenue growth by 2026, and we're on track for that.
The Focus part was about making sure we do that in the right way, and there's
lots of brilliant examples around how we're providing servicing to clients and
using digital and technology to automate how we serve clients.
And then the third part of the strategy was around Change, enabling new
capabilities, technologies and data to serve customers in a more efficient way,
and then to start to innovate and use some of the new technologies like
generative AI, and cloud services, to move the organisation at greater pace.
MASS AFFLUENT
Now, you're leading one of the most important strategic initiatives in our Mass
Affluent area. So it’d be great to hear your reflections on the first two years
of the strategy as well.
Mass Affluent, as you know, is customers who've got £75,000 income or investable
assets. And when we started the strategy, we had over 2 million of these
customers, and their needs are complex and they're diverse because this customer
segment spans across life stages, whether it's, you know, getting into your
first home, whether you're thinking about planning for retirement or you’re at
retirement. So this isn't a one size fits all.
And what we set out to do was to build a digitally-led, highly personalised
service for customers, but then with a human touch.
We launched Lloyds Bank 360 back in September of last year. We started really
small, just 50,000 customers. In a way, they've been helping us to create this
because we see the bits that they like, that they don't like, and we iterate as
we start to scale this up. So we've now got over half a million customers using
the Lloyds Bank 360 experience.
INSURANCE, PENSIONS AND INVESTMENTS
We've done huge amounts with the IP&I business as well, more recently leading to
the launch of our Ready Made products, really simple investments and pension
products to help people get started on that journey, so some really good
progress.
NEW DIGITAL OPPORTUNITIES
But where do you see the opportunities, and are we getting there fast enough?
We have the leading digital bank in the UK. We have over 19 million customers
now actively logging on to our apps, 22 million logging on digitally. 6 billion
log-ons a year. That's a huge opportunity for us to engage customers and drive
depth of relationship.
Your Credit Score was a new experience we launched in our app and now over 10
million customers are engaging with that service, and that means they can borrow
safely and borrow more effectively.
We've done over £38 billion worth of lending to core customers around
sustainable transitions. The eight biggest universities last year that we're
looking for new cash management solutions, chose Lloyds Banking Group as their
partner.
We launched a really simple investment product in the last few years for 18 to
25 year olds, and we doubled the number of customers we had in that segment. The
IP&I business has also been launching a whole set of new services to really
engage customers and help them take choices and build greater financial
resilience for the future. We're back to number one in home insurance. And of
course, our workplace pensions And, is such an important growth engine for our
IP&I business.
So, growth opportunities across the business. The real theme is about leveraging
our brilliant people, our technology and ways of working and doing it at pace to
make a difference for our customers.
Close
HALF YEAR RESULTS 2024
Video | 3 mins
Charlie Nunn, Group Chief Executive and Jo Harris, CEO, Mass Affluent, reflect
on our progress halfway through 2024, and how our strategy is delivering for
customers and Helping Britain Prosper.
Watch video Video opens in new tab
ANNUAL REPORT AND ACCOUNTS 2023
Our reporting is designed to enable better communication to a range of
stakeholders. Our annual report provides disclosures relating to our strategic,
financial, operational, environmental and social performance and provides detail
on our strategy.
Annual report highlights
KEY INFORMATION FOR INVESTORS
CONTACT US
Who to contact for institutional and private investor information and queries.
Get in touch
SHAREHOLDER INFORMATION
Switch to digital communications
Dividend performance over time
Shareholder services
Financial calendar
SHARE PRICE
Share price feeds and downloads for the London and New York Stock Exchanges.
View share price
GROUP EXECUTIVE COMMITTEE
The Group Executive Committee reports to the Group Chief Executive and is
responsible for delivering our vision across different parts of the business.
Meet the Committee
ENVIRONMENTAL, SOCIAL AND GOVERNANCE
Strong ESG performance is core to delivering our purpose and strategy.
ESG at Lloyds Banking Group
NEWS AND INSIGHT
The latest updates and opinions from across the Group.
HELPING FARMERS THRIVE ON THE TRANSITION TO NET ZERO
18 Sep 2024 Andrew Walton
We’ve teamed with Soil Association Exchange to create the largest, most
comprehensive review of farm environmental performance ever carried out in the
UK.
Read Andrew's article
SOCIAL HOUSING A-Z: FROM ANXIETY TO ZERO WAY OUT
17 Sep 2024 Lloyds Banking Group
It's the alphabet that no child should have to learn. But our A-Z, in
partnership with Crisis, demonstrates how pressing the need is for increased
provision of adequate social housing.
Read the article
ARE ELECTRIC CARS WORTH IT?
9 Sep 2024 Nick Williams
We answer some of the most common questions around Electric Vehicles (EVs) and
electric cars.
Read Nick's article
MORE NEWS AND INSIGHT
Popular topics you might be interested in
Sustainability Diversity Supporting business Housing Pensions Investment
ESG Digital technology Our people Group news
Financial wellbeing Fintech Fraud
Discover all topics
MORE NEWS AND INSIGHT
Popular topics you might be interested in
Sustainability Diversity
Supporting business
Housing Pensions
Investment Fraud
Financial wellbeing ESG
Digital technology Fintech
Our people Group news
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Lloyds Banking Group plc registered office: The Mound, Edinburgh EH1 1YZ.
Registered in Scotland, number 95000.
Lloyds Bank plc and Bank of Scotland plc (members of Lloyds Banking Group), are
authorised by the Prudential Regulation Authority and regulated by the Financial
Conduct Authority and the Prudential Regulation Authority. Authorisation can be
checked on the Financial Services Register at: www.fca.org.uk
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