LLOYDS BANKING GROUP PLC financials
Also U.S.-listed. LLOYDS BANKING GROUP PLC is also a foreign private issuer filing with the U.S. SEC. View its EDGAR financials: LYG — Lloyds Banking Group plc
LLOYDS BANKING GROUP PLC
Country: GB Reporting currency: GBP Latest annual report: 2025-12-31
LEI:
549300PPXHEU2JF0AM85 Financial statements
(GBP, as reported — unscaled; 125 line items across 3 annual periods)
| Line item | 2025 | 2024 | 2023 |
|---|---|---|---|
| Income statement | |||
| Revenue | £19.42B | £18.00B | £18.63B |
| Operating expenses | £11.97B | £11.60B | £10.82B |
| Profit before tax | £6.66B | £5.97B | £7.50B |
| Income tax expense | £1.90B | £1.49B | £1.99B |
| Profit for the year | £4.76B | £4.48B | £5.52B |
| — attributable to owners | £4.66B | £4.42B | £5.46B |
| — attributable to NCI | £98.0M | £56.0M | £58.0M |
| Total comprehensive income | £6.08B | £3.84B | £5.63B |
| Per share | |||
| Basic EPS | £0.07 | £0.06 | £0.08 |
| Diluted EPS | £0.07 | £0.06 | £0.07 |
| Free cash flow / share | £0.01 | £-0.12 | £0.04 |
| Cash flow statement | |||
| Net cash from operating activities | £5.70B | -£4.39B | £6.81B |
| Income taxes paid | £2.31B | £1.30B | £1.44B |
| Purchase of PP&E (capex) | £5.07B | £4.36B | £3.96B |
| Purchase of intangibles | £1.25B | £1.26B | £1.49B |
| Net cash from financing activities | -£5.36B | -£5.93B | -£3.50B |
| Dividends paid | £2.05B | £1.91B | £1.75B |
| Balance sheet | |||
| Total assets | £944.07B | £906.70B | — |
| Intangible assets & goodwill | £8.59B | £8.19B | — |
| Cash & equivalents | £60.59B | £70.82B | £88.84B |
| Total equity | £47.87B | £45.89B | £47.37B |
| — attributable to owners | £47.67B | £45.72B | — |
| Non-controlling interests | £199.0M | £172.0M | — |
| Deferred tax liabilities | £146.0M | £125.0M | — |
| Derived metrics | |||
| Free cash flow | £630.0M | -£8.76B | £2.85B |
| Net margin | 24.5% | 24.9% | 29.6% |
| Return on equity | 9.9% | 9.8% | 11.7% |
| Cash conversion ratio | 1.20× | -0.98× | 1.23× |
| Capex coverage | 1.12× | -1.01× | 1.72× |
| Other reported items | |||
| Adjustments For Decrease Increase In Other Operating Receivables | -£40.69B | -£39.62B | -£9.11B |
| Adjustments For Increase Decrease In Other Operating Payables | £35.40B | £23.60B | £4.23B |
| Assets Liabilities of Benefit Plan | -£120.0M | -£122.0M | — |
| Cash and Bank Balances At Central Banks | £56.66B | £62.70B | — |
| Cash Flows From Used In Investing Activities Discontinued Operations | -£10.19B | -£7.69B | -£9.82B |
| Cash Flows Used In Obtaining Control of Subsidiaries Or Other Businesses Classified As Investing Activities | -£27.0M | £179.0M | £380.0M |
| Comprehensive Income Attributable To Noncontrolling Interests | £98.0M | £56.0M | £58.0M |
| Comprehensive Income Attributable To Owners of Parent | £5.99B | £3.79B | £5.57B |
| Current Tax Assets | £1.35B | £526.0M | — |
| Current Tax Liabilities | £52.0M | £45.0M | — |
| Debt Instruments Held | £13.99B | £14.54B | — |
| Debt Securities | £78.27B | £70.83B | — |
| Deferred Tax Assets | £3.99B | £5.00B | — |
| Deposits From Banks | £5.78B | £6.16B | — |
| Deposits From Customers | £496.46B | £482.75B | — |
| Derivative Financial Assets | £19.73B | £24.07B | — |
| Derivative Financial Liabilities | £16.13B | £21.68B | — |
| Dividends Paid To Equity Holders of Parent Classified As Financing Activities | £2.00B | £1.83B | £1.65B |
| Dividends Paid To Noncontrolling Interests Classified As Financing Activities | £51.0M | £83.0M | £101.0M |
| Dividends Proposed Or Declared Before Financial Statements Authorised For Issue But Not Recognised As Distribution To Owners | £1.43B | £1.27B | — |
| Dividends Proposed Or Declared Before Financial Statements Authorised For Issue But Not Recognised As Distribution To Owners Per Share | £0.02 | £0.02 | — |
| Dividends Recognised As Distributions To Owners Per Share | £0.03 | £0.03 | £0.03 |
| Effect of Exchange Rate Changes On Cash and Cash Equivalents | -£378.0M | -£7.0M | -£480.0M |
| Equity and Liabilities | £944.07B | £906.70B | — |
| Fee and Commission Expense | £1.33B | £1.18B | £1.09B |
| Fee and Commission Income | £3.12B | £2.94B | £2.93B |
| Fee and Commission Income Expense | £1.78B | £1.76B | £1.83B |
| Financial Assets At Amortised Cost | £553.67B | £531.78B | — |
| Financial Assets At Fair Value Through Other Comprehensive Income | £36.32B | £30.69B | — |
| Financial Assets At Fair Value Through Profit Or Loss | £240.41B | £215.93B | — |
| Financial Liabilities At Fair Value Through Profit Or Loss | £27.91B | £27.61B | — |
| Gains Losses On Cash Flow Hedges Before Tax | £482.0M | -£2.58B | £545.0M |
| Gains Losses On Exchange Differences On Translation Net of Tax | £54.0M | -£73.0M | -£53.0M |
| Gains Losses On Financial Assets Measured At Fair Value Through Other Comprehensive Income Before Tax | £34.0M | -£53.0M | -£40.0M |
| Gains Losses On Financial Assets Measured At Fair Value Through Other Comprehensive Income Net of Tax | £27.0M | -£38.0M | -£28.0M |
| Impairment Loss Reversal of Impairment Loss Recognised In Profit Or Loss | £795.0M | £431.0M | £303.0M |
| Income Expenses From Reinsurance Contracts Held Other Than Finance Income Expenses | -£139.0M | -£72.0M | £2.0M |
| 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 Tax Relating To Investments In Equity Instruments of Other Comprehensive Income | £0 | £0 | -£3.0M |
| Income Taxes Refund Classified As Operating Activities | £200.0M | £970.0M | £0 |
| Increase Decrease In Cash and Cash Equivalents | -£10.22B | -£18.02B | -£6.99B |
| Increase Decrease Through Changes In Ownership Interests In Subsidiaries That Do Not Result In Loss of Control | £0 | -£2.0M | -£2.17B |
| Increase Decrease Through Sharebased Payment Transactions | £211.0M | £153.0M | £0 |
| Increase Decrease Through Transactions With Owners | -£4.11B | -£5.32B | £0 |
| Increase Decrease Through Treasury Share Transactions | £38.0M | -£173.0M | £227.0M |
| Insurance Contracts That Are Liabilities | £135.28B | £122.06B | — |
| Insurance Finance Income Expenses From Insurance Contracts Issued Recognised In Profit Or Loss | -£24.04B | -£16.28B | -£16.78B |
| Insurance Revenue | £3.44B | £3.29B | £3.01B |
| Insurance Service Expenses From Insurance Contracts Issued | £2.54B | £2.73B | £2.41B |
| Insurance Service Result | £756.0M | £486.0M | £596.0M |
| Interest Expense | £17.52B | £19.01B | £14.75B |
| Interest Paid Classified As Financing Activities | £806.0M | £622.0M | £623.0M |
| Interest Revenue Expense | £13.23B | £12.28B | £13.30B |
| Investment Contracts Liabilities | £61.64B | £51.23B | — |
| Issue of Equity | £124.0M | £190.0M | £131.0M |
| Issued Capital | £5.89B | £6.06B | — |
| Liabilities | £896.21B | £860.81B | — |
| Loans and Advances To Banks | £7.24B | £7.90B | — |
| Loans and Advances To Customers | £481.46B | £459.86B | — |
| Notes and Debentures Issued | £2.12B | £2.12B | — |
| Other Adjustments For Noncash Items | £6.43B | £5.99B | £5.62B |
| Other Comprehensive Income | £1.33B | -£635.0M | £110.0M |
| 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 From Investments In Equity Instruments | £34.0M | £93.0M | -£54.0M |
| 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 | £1.69B | £11.0M | £1.71B |
| 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 | £54.0M | -£73.0M | -£53.0M |
| Other Comprehensive Income Net of Tax Financial Assets Measured At Fair Value Through Other Comprehensive Income | £24.0M | -£46.0M | -£117.0M |
| Other Comprehensive Income Net of Tax Gains Losses From Investments In Equity Instruments | £34.0M | £93.0M | -£57.0M |
| 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 | -£108.0M | £1.54B |
| Other Comprehensive Income That Will Not Be Reclassified To Profit Or Loss Net of Tax | -£442.0M | -£527.0M | -£1.43B |
| Other Equity Interest | £5.95B | £6.20B | — |
| Other Liabilities | £20.95B | £25.92B | — |
| Other Operating Income Expense | £6.19B | £5.73B | £5.33B |
| Other Provisions | £2.89B | £2.31B | — |
| Other Reserves | £10.74B | £8.83B | — |
| Other Revenue | £2.37B | £1.93B | £1.63B |
| Payments To Acquire Or Redeem Entitys Shares | £1.71B | £2.01B | £1.99B |
| Proceeds From Changes In Ownership Interests In Subsidiaries | £0 | £2.0M | £0 |
| Proceeds From Issue of Subordinated Liabilities | £1.76B | £812.0M | £1.42B |
| Proceeds From Issuing Other Equity Instruments | £1.50B | £757.0M | £1.77B |
| Proceeds From Issuing Shares | £99.0M | £187.0M | £86.0M |
| Proceeds From Other Longterm Assets Classified As Investing Activities | £0 | £62.0M | £0 |
| Proceeds From Sales of Property Plant and Equipment Classified As Investing Activities | £1.56B | £1.50B | £1.03B |
| Proceeds From Sales Or Maturity of Financial Instruments Classified As Investing Activities | £14.31B | £7.06B | £5.30B |
| Purchase of Financial Instruments Classified As Investing Activities | £19.76B | £10.52B | £10.31B |
| Repayments of Subordinated Liabilities | £1.93B | £819.0M | £1.75B |
| Repurchase Agreements and Cash Collateral On Securities Lent | £38.57B | £37.76B | — |
| Retained Earnings | £6.29B | £5.91B | — |
| Revenue From Interest | £30.75B | £31.29B | £28.05B |
| Reverse Repurchase Agreements and Cash Collateral On Securities Borrowed | £50.99B | £49.48B | — |
| Share Premium | £18.80B | £18.72B | — |
| Subordinated Liabilities | £9.89B | £10.09B | — |
| Trading Income Expense | £1.49B | £1.81B | £1.31B |
Methodology
Every line item above is a fact tagged in LLOYDS BANKING GROUP 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.