LLOYDS BANK PLC financials
LLOYDS BANK PLC
Country: GB Reporting currency: GBP Latest annual report: 2025-12-31
LEI:
H7FNTJ4851HG0EXQ1Z70 Financial statements
(GBP, as reported — unscaled; 112 line items across 3 annual periods)
| Line item | 2025 | 2024 | 2023 |
|---|---|---|---|
| Income statement | |||
| Revenue | £18.43B | £17.07B | £18.37B |
| Operating expenses | £12.16B | £11.93B | £10.97B |
| Profit before tax | £5.47B | £4.69B | £7.06B |
| Income tax expense | £1.62B | £1.20B | £1.85B |
| Profit for the year | £3.86B | £3.49B | £5.21B |
| — attributable to owners | £3.83B | £3.46B | £5.19B |
| — attributable to NCI | £27.0M | £22.0M | £15.0M |
| Total comprehensive income | £5.15B | £2.86B | £5.49B |
| Cash flow statement | |||
| Net cash from operating activities | £2.19B | -£7.25B | £4.12B |
| Income taxes paid | £2.36B | £1.43B | £1.36B |
| Net cash from investing activities | -£9.63B | -£7.20B | -£9.29B |
| Purchase of PP&E (capex) | £4.45B | £3.69B | £3.49B |
| Purchase of intangibles | £1.24B | £1.25B | £1.47B |
| Net cash from financing activities | -£1.81B | -£2.25B | -£3.44B |
| Dividends paid | £2.41B | £3.99B | £4.74B |
| Balance sheet | |||
| Total assets | £631.34B | £611.21B | — |
| Intangible assets & goodwill | £5.69B | £5.80B | — |
| Cash & equivalents | £40.60B | £49.71B | £66.54B |
| Total equity | £41.98B | £39.75B | £40.43B |
| — attributable to owners | £41.91B | £39.67B | — |
| Non-controlling interests | £71.0M | £80.0M | — |
| Deferred tax liabilities | £146.0M | £125.0M | — |
| Derived metrics | |||
| Free cash flow | -£2.27B | -£10.94B | £626.0M |
| Net margin | 20.9% | 20.4% | 28.3% |
| Return on equity | 9.2% | 8.8% | 12.9% |
| Cash conversion ratio | 0.57× | -2.08× | 0.79× |
| Capex coverage | 0.49× | -1.96× | 1.18× |
| Other reported items | |||
| Adjustments For Decrease Increase In Other Operating Receivables | £22.43B | £22.00B | -£8.92B |
| Adjustments For Increase Decrease In Other Operating Payables | £15.41B | £4.47B | -£15.32B |
| Cash Advances and Loans From Related Parties | £4.61B | £2.90B | £1.94B |
| Cash and Bank Balances At Central Banks | £37.72B | £42.40B | — |
| Cash Flows Used In Obtaining Control of Subsidiaries Or Other Businesses Classified As Investing Activities | £0 | £0 | £293.0M |
| Cash Repayments of Advances and Loans From Related Parties | £3.21B | £1.28B | £931.0M |
| Comprehensive Income Attributable To Noncontrolling Interests | £27.0M | £22.0M | £15.0M |
| Comprehensive Income Attributable To Owners of Parent | £5.12B | £2.84B | £5.47B |
| Current Tax Assets | £1.26B | £338.0M | — |
| Current Tax Liabilities | £35.0M | £33.0M | — |
| Debt Instruments Held | £11.98B | £11.85B | — |
| Debt Securities | £52.13B | £45.28B | — |
| Deferred Tax Assets | £3.92B | £4.79B | — |
| Deposits From Banks | £3.08B | £3.14B | — |
| Deposits From Customers | £465.21B | £451.79B | — |
| Derivative Financial Assets | £3.26B | £4.24B | — |
| Derivative Financial Liabilities | £4.29B | £5.79B | — |
| Dividends Paid To Equity Holders of Parent Classified As Financing Activities | £2.39B | £3.99B | £4.70B |
| Dividends Paid To Noncontrolling Interests Classified As Financing Activities | £16.0M | £0 | £39.0M |
| Effect of Exchange Rate Changes On Cash and Cash Equivalents | £143.0M | -£123.0M | -£44.0M |
| Equity and Liabilities | £631.34B | £611.21B | — |
| Fee and Commission Expense | £1.25B | £1.48B | £1.10B |
| Fee and Commission Income | £2.52B | £2.42B | £2.46B |
| Fee and Commission Income Expense | £1.26B | £938.0M | £1.35B |
| Financial Assets At Amortised Cost | £524.47B | £504.90B | — |
| Financial Assets At Fair Value Through Other Comprehensive Income | £36.26B | £30.34B | — |
| Financial Assets At Fair Value Through Profit Or Loss | £2.28B | £2.32B | — |
| Financial Liabilities At Fair Value Through Profit Or Loss | £4.24B | £4.63B | — |
| Gains Losses On Cash Flow Hedges Before Tax | £378.0M | -£2.32B | £725.0M |
| Gains Losses On Exchange Differences On Translation Net of Tax | £70.0M | -£65.0M | -£33.0M |
| Gains Losses On Financial Assets Measured At Fair Value Through Other Comprehensive Income Before Tax | £117.0M | -£52.0M | -£41.0M |
| Gains Losses On Financial Assets Measured At Fair Value Through Other Comprehensive Income Net of Tax | £86.0M | -£37.0M | -£29.0M |
| Impairment Loss Reversal of Impairment Loss Recognised In Profit Or Loss | £792.0M | £456.0M | £343.0M |
| Income Tax Relating To Changes In Fair Value of Financial Liability Attributable To Change In Credit Risk of Liability of Other Comprehensive Income | -£35.0M | -£22.0M | -£66.0M |
| Income Taxes Refund Classified As Operating Activities | £200.0M | £970.0M | £0 |
| Increase Decrease In Cash and Cash Equivalents | -£9.11B | -£16.83B | -£8.66B |
| Increase Decrease Through Changes In Ownership Interests In Subsidiaries That Do Not Result In Loss of Control | £0 | — | — |
| Increase Decrease Through Other Contributions By Owners | £151.0M | £142.0M | £215.0M |
| Increase Decrease Through Other Distributions To Owners | £1.0M | £1.0M | £1.0M |
| Increase Decrease Through Transactions With Owners | -£2.92B | -£3.54B | -£4.11B |
| Interest Expense | £14.85B | £15.79B | £11.59B |
| Interest Paid Classified As Financing Activities | £578.0M | £366.0M | £335.0M |
| Interest Revenue Expense | £13.36B | £12.59B | £13.71B |
| Issued Capital | £1.57B | £1.57B | — |
| Liabilities | £589.36B | £571.47B | — |
| Loans and Advances To Banks | £5.84B | £6.43B | — |
| Loans and Advances To Customers | £461.50B | £441.91B | — |
| Notes and Debentures Issued | £2.12B | £2.12B | — |
| Other Adjustments For Noncash Items | £5.89B | £6.05B | £4.82B |
| Other Assets | £13.79B | £13.06B | — |
| Other Comprehensive Income | £1.29B | -£626.0M | £279.0M |
| Other Comprehensive Income Before Tax Change In Fair Value of Financial Liability Attributable To Change In Credit Risk of Liability | -£126.0M | -£78.0M | -£234.0M |
| Other Comprehensive Income Before Tax Gains Losses On Remeasurements of Defined Benefit Plans | -£520.0M | -£768.0M | -£1.63B |
| Other Comprehensive Income Net of Tax Cash Flow Hedges | £1.54B | -£14.0M | £1.61B |
| Other Comprehensive Income Net of Tax Change In Fair Value of Financial Liability Attributable To Change In Credit Risk of Liability | -£91.0M | -£56.0M | -£168.0M |
| Other Comprehensive Income Net of Tax Exchange Differences On Translation of Foreign Operations and Hedges of Net Investments In Foreign Operations | £70.0M | -£65.0M | -£33.0M |
| Other Comprehensive Income Net of Tax Financial Assets Measured At Fair Value Through Other Comprehensive Income | £160.0M | £73.0M | £71.0M |
| Other Comprehensive Income Net of Tax Gains Losses On Remeasurements of Defined Benefit Plans | -£385.0M | -£564.0M | -£1.21B |
| Other Comprehensive Income That Will Be Reclassified To Profit Or Loss Before Tax | £1.77B | -£6.0M | £1.65B |
| Other Comprehensive Income That Will Not Be Reclassified To Profit Or Loss Net of Tax | -£476.0M | -£620.0M | -£1.37B |
| Other Equity Interest | £5.37B | £5.69B | — |
| Other Liabilities | £5.77B | £7.21B | — |
| Other Operating Income Expense | £5.07B | £4.48B | £4.66B |
| Other Provisions | £2.77B | £2.20B | — |
| Other Reserves | £4.16B | £2.39B | — |
| Other Revenue | £3.28B | £2.94B | £2.92B |
| Payments of Other Equity Instruments | £404.0M | £363.0M | £334.0M |
| Proceeds From Issue of Subordinated Liabilities | £1.76B | £386.0M | £670.0M |
| Proceeds From Issuing Other Equity Instruments | £1.50B | £1.17B | £745.0M |
| Proceeds From Other Longterm Assets Classified As Investing Activities | £0 | £8.0M | £0 |
| Proceeds From Sales of Property Plant and Equipment Classified As Investing Activities | £1.53B | £1.18B | £979.0M |
| Proceeds From Sales Or Maturity of Financial Instruments Classified As Investing Activities | £14.30B | £7.05B | £5.29B |
| Purchase of Financial Instruments Classified As Investing Activities | £19.76B | £10.51B | £10.30B |
| Recognised Assets Defined Benefit Plan | £2.69B | £3.03B | — |
| Recognised Liabilities Defined Benefit Plan | £120.0M | £122.0M | — |
| Repayments of Subordinated Liabilities | £913.0M | £0 | £251.0M |
| Repurchase Agreements and Cash Collateral On Securities Lent | £37.57B | £37.76B | — |
| Retained Earnings | £30.21B | £29.41B | — |
| Revenue From Interest | £28.21B | £28.39B | £25.30B |
| Reverse Repurchase Agreements and Cash Collateral On Securities Borrowed | £43.96B | £44.14B | — |
| Share Premium | £600.0M | £600.0M | — |
| Subordinated Liabilities | £8.02B | £7.21B | — |
| Trade and Other Payables To Related Parties | £3.85B | £4.05B | — |
| Trade and Other Receivables Due From Related Parties | £1.18B | £560.0M | — |
| Trading Income Expense | £523.0M | £597.0M | £384.0M |
Methodology
Every line item above is a fact tagged in LLOYDS BANK PLC's annual report
filed in the European Single Electronic Format (ESEF) under the IFRS
taxonomy (ifrs-full) — the income statement, balance sheet
and cash-flow statement as the filer reported them. Values are shown
as-is, in the reporting currency (GBP), without
rescaling; the row labels map to the underlying concept name (e.g.
Revenue → ifrs-full:Revenue, Operating profit →
ifrs-full:ProfitLossFromOperatingActivities, Diluted EPS →
ifrs-full:DilutedEarningsLossPerShare), and any concept
without a curated label is shown under “Other reported items” with its
de-camel-cased tag name. Only consolidated, default-member facts are
shown (segment / dimensional breakdowns are excluded).
“Derived metrics” (free cash flow, margins, ROE, …) are computed from those facts by the same model the U.S. financials pages use — not tagged by the filer.
Source: machine-readable OIM xBRL-JSON aggregated by filings.xbrl.org (XBRL International). Entity identity is resolved by LEI via the public-domain GLEIF register. This is reference data, not investment advice.