2025 full year financial results

"The Group demonstrated sustained strength in financial performance in 2025, including in the final quarter, with continued balance sheet and income growth, as well as strong cost discipline and credit performance. This enables total shareholder distributions of c.£3.9 billion for the year."  

 Charlie Nunn, Group Chief Executive

£18.30bn

Net income

(+7% YoY)

£9.76bn

Operating costs

(+3% YoY)

£4.76bn

Statutory profit after tax

(+6% YoY)

5% / 3%

Loan / deposit growth

(£22.0bn lending growth / £13.8 bn deposit growth)

12.9%

Return on tangible equity

(14.8% excl Q3 motor charge)

£3.9bn

Total capital return

(3.65p total dividend per share and £1.75bn buyback)

Delivering for customers and investors

Charlie Nunn on our 2025 full year results

Charlie Nunn, Group Chief Executive, on our financial results, strategic progress and forecast for the year ahead – along with the steps we're taking to support customers, businesses and communities across the UK and the outlook for shareholders including capital returns, dividends and share buybacks. 

2025 annual report

Our annual report provides disclosures relating to our strategic, financial, operational, environmental and social performance. 

Key information for investors

Purpose and strategy

Our purpose is Helping Britain Prosper. We do this by creating a more sustainable and inclusive future for people and business, shaping finance as a force for good.

Sustainability

We have an important role to play in creating a more sustainable and inclusive future for people and businesses, by shaping finance as a force for good.

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.

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Contact us

Who to contact for institutional and private investor information and queries.

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Dividend performance over time

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Financial calendar

Share price

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News and insight


The latest updates and opinions from across the Group.

How is AI changing the future of work in banking?

7 April 2026 | Trystan Davies and David Blott

Artificial intelligence is now reshaping every industry, but in financial services it has the potential to transform how we make decisions, manage risk, serve customers, and empower colleagues.

Group funds sustainable home finance scholarship

16 March 2026 | Lloyds Banking Group 

Lloyds Banking Group has partnered with the Green Finance Institute to fund a first-of-its kind scholarship scheme for mortgage industry professionals to complete the Green Finance Institute’s (GFI) newly-developed Certificate in Financing Greener Homes.

Bank on Lloyds: shaping the future of finance

29 Jan 2026 | Charlie Nunn

Charlie Nunn, Group Chief Executive, reflects on Lloyds Banking Group’s delivery of the largest digital transformation in UK financial services, and shares his confidence in shaping the future of finance.