As the UK's largest digital bank and financial services group, we support and serve Britain's diverse communities and businesses.


Helping Britain Prosper

 

Our success is interwoven with the UK's prosperity and we aim to Help Britain Prosper by operating as a responsible, sustainable and inclusive Group. This underpins our purpose and the way we deliver our strategy.

Tackling social disadvantage across Britain

2,929

charities supported – we're one of the largest corporate donors in the UK.

Supporting businesses to start up and grow

100,000

new businesses helped to start up, and we've increased net lending in this area to £3.4 billion since 2018.

Transitioning to a sustainable low carbon economy

50%

is how much we're aiming to help reduce emissions we finance by 2030.

Helping people in Britain to get their first home

£13.8bn

in lending to first time buyers.


2020 Q3 interim management statement

"We have seen a significant change in financial performance in Q3, with a return to profitability. Our long-run investment and digital transformation positioned the Group well to continue to serve our customers through the pandemic. 

 

I have great confidence in the future of the Group and in its competitive position. We will maintain our relentless focus on supporting our customers and the UK economy, while we will continue investing for the future and developing our competitive advantages further."

 

António Horta-Osório, Group Chief Executive

£1 billion

statutory profit before tax£1 billion statutory profit for the three months ended 30 September 2020

£3.4 billion

net income£3.4 billion net income for the three months ended 30 September 2020

£5.8 billion

total costsTotal costs of £5.8 billion for the first nine months of 2020, 4% lower than the first nine months of 2019

15.2%

CET1 ratio15.2% CET1 ratio, ahead of the Group’s ongoing target and providing significant loss absorbing capacity and capacity to lend to the real economy

7.4%

statutory RoTE7.4% statutory return on tangible equity for the three months ended 30 September 2020

£301 million

impairment charge£301 million impairment charge for the three months ended 30 September 2020

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Contact us

Who to contact for institutional and private investor information and queries

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Dividends information

Historical dividend data

Dividend performance over time

Shareholder information

 

 

Share price

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

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Strategy and milestones

Transforming the Group for success in a digital world

  • Customer experience

    Become the best bank for customers

    In order to be the best bank for customers, we recognise that we must continue to adapt to changes in customer behaviour, technology-driven competition and regulation. Our propositions must be reflective of heightened customer expectations for ease of access, personalisation and relevance, as well as the needs created by changing life patterns.

  • Digitising the Group

    Operational efficiencies and enhanced experience

    Our market leading cost position and customer franchise are sources of competitive advantage. However, we must not be complacent and must further digitise the Group to drive additional operational efficiencies, improve the experience of our customers and colleagues and allow us to invest more for the future.

  • Maximising capabilities

    Maximising our strengths and business model


    To better address our customers’ banking and insurance needs as an integrated financial services provider and improve their overall experience, we will make better use of our competitive strengths and unique business model.

  • Ways of working

    Transforming ways of working

    Our colleagues are crucial to the success of our business. In order to deliver our transformation during the current strategic plan and beyond, our colleagues will require new skills and capabilities to reflect the changing needs of the business as it adapts to the evolving operating environment. 

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The Board

The Board is collectively responsible for the long-term success of the Group. Its role is to provide entrepreneurial leadership of the company within a framework of prudent and effective controls.

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ESG information

Environmental, social and governance (ESG) issues are an integral part of our strategy at Lloyds Banking Group, and embedded in our day-to-day activity through our purpose of Helping Britain Prosper.

ESG information

Insight from our people

Latest news and insight from across the Group

Lloyds Banking Group
12 January 2021
5 min read

2020: a year that changed the world

Group Chief Executive António Horta-Osório reflects on the Group's challenges and achievements of 2020.

Read more
Scottish Widows
09 November 2020
3 min read

Scottish Widows to divest £440m

Scottish Widows is to divest at least £440 million from companies that have failed to meet its environmental, social and governance (ESG) standards.

Read more

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