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

2022 half year results

Charlie Nunn, Group Chief Executive, and William Chalmers, Chief Financial Officer, presented our 2022 half year results to analysts and institutional investors on Wednesday 27 July. 

Webcast recording
Conference call replay 

(code 1829588)

Results documents

News release (PDF, 1.5MB)
Results presentation (PDF, 1MB)
Excel download (XLS, 0.2MB)
Presentation transcript (PDF, 0.3MB)
Shareholder FAQs (PDF, 0.2MB)

2022 half year results highlights


Our strong financial performance demonstrates the resilience of our business model and customer franchise, enabling us to enhance guidance for 2022.


  

£2.8bn

statutory profit after tax£2.8 billion statutory profit after tax for the half year ended 30 June 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.

£8.5bn

net income£8.5 billion net income for the half year ended 30 June 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.

£4.2bn

operating costsOperating costs of £4.2 billion for the half year ended 30 June 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.

£377m

net impairment charge£377 million net impairment charge for the half year ended 30 June 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.

14.8%

pro forma CET1 ratio14.8% pro forma CET1 ratio, ahead of the Group’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.

0.80p

dividend per share0.80 pence per share interim ordinary dividend for the half year ended 30 June 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.

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.

Get in touch

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.

Charlie Nunn
Group Chief Executive
27 July 2022
3 min read

2022 half year results

Charlie Nunn, Group Chief Executive, reflects on the first six months of the year and how we’re shaping up for the rest of 2022 and beyond.

Read Charlie's article
Andrew Asaam
Mortgage Director, Lloyds Banking Group
21 July 2022
5 min read

First time buyers deserve an attainable dream

Why the industry must find new ways to help people take their first steps on the property ladder, and what the Group is doing to help.

Read Andrew's article