We are the largest UK retail and commercial financial services provider, with 26 million customers and a leading digital presence.
 

2022 Q3 results highlights


Robust financial results with strong observed asset quality and continued business momentum while significant investment is underway, supporting growth strategy.


  

£4.0bn

statutory profit after tax£4.0 billion statutory profit after tax for the nine months ended 30 September 2022.

£5.9 billion statutory profit before tax for the nine months ended 30 September 2021

£1.4 billion statutory profit for the year ended 31 December 2020.

£13.0bn

net income£13.0 billion net income for the nine months ended 30 September 2022.

£5.9 billion statutory profit before tax for the nine months ended 30 September 2021

£1.4 billion statutory profit for the year ended 31 December 2020.

£6.4bn

operating costsOperating costs of £6.4 billion for the nine months ended 30 September 2022.

£5.9 billion statutory profit before tax for the nine months ended 30 September 2021

£1.4 billion statutory profit for the year ended 31 December 2020.

£1.0bn

net impairment charge£1.0 billion net impairment charge for the nine months ended 30 September 2022.

£5.9 billion statutory profit before tax for the nine months ended 30 September 2021

£1.4 billion statutory profit for the year ended 31 December 2020.

12.9%

return on tangible equity12.9% return on tangible equity for the nine months ended 30 September 2022.

£5.9 billion statutory profit before tax for the nine months ended 30 September 2021

£1.4 billion statutory profit for the year ended 31 December 2020.

15.0%

CET1 ratio15.0% CET1 ratio, ahead of the Board’s ongoing target.

£5.9 billion statutory profit before tax for the nine months ended 30 September 2021

£1.4 billion statutory profit for the year ended 31 December 2020.

Our strategy


Building on our strong foundations and distinct competitive strengths, our purpose of Helping Britain Prosper forms the basis of our strategy to profitably deliver for all of our stakeholders.

Strategy highlights

 

Our next chapter: 2022 strategy update

Video | 3 mins

Hear from Charlie Nunn, Group Chief Executive and Carla Antunes da Silva, Group Strategy, Corporate Development and Investor Relations Director, on our ambitions and the next chapter of our strategy. 

Watch nowVideo opens in a new tab

Annual report and accounts 2021


Our reporting is designed to facilitate 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

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Contact us

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

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Shareholder information

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Dividend performance over time

Shareholder services

Financial calendar

Share price

Share price feeds and downloads for the London and New York Stock Exchanges.

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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
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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.

Andrew Asaam
Mortgage Director, Lloyds Banking Group
25 January 2023
6 min read

How can we fix the UK's cladding crisis?

The UK’s cladding scandal has limited parts of the housing market. We’ve taken positive steps to get the mortgage market on cladded flats moving again.

Read Andrew's article
Kirsty Rutter
Fintech Investment Director
19 January 2023
7 min read

What's next for fintech in 2023?

Kirsty Rutter - the Group's Fintech Investment Director - shares some of the fintech trends to look out for in 2023.

Read Kirsty's article