$LYG
Lloyds Banking Group plc
CIK:0001160106|SEC Filings
Consolidated income statement - GBP (£) £ in Millions |
12 Months Ended | ||||||||
|---|---|---|---|---|---|---|---|---|---|
Dec. 31, 2025 |
Dec. 31, 2024 |
[1] | Dec. 31, 2023 |
[1] | |||||
| Profit or loss [abstract] | |||||||||
| Interest income | £ 30,749 | £ 31,288 | £ 28,051 | ||||||
| Interest expense | (17,519) | (19,011) | (14,753) | ||||||
| Net interest income | 13,230 | 12,277 | 13,298 | ||||||
| Fee and commission income | 3,118 | 2,943 | 2,926 | ||||||
| Fee and commission expense | (1,334) | (1,184) | (1,095) | ||||||
| Net fee and commission income | 1,784 | 1,759 | 1,831 | ||||||
| Net trading income | 1,485 | 1,812 | 1,307 | ||||||
| Insurance revenue | 3,438 | 3,291 | 3,008 | ||||||
| Insurance service expense | (2,543) | (2,733) | (2,414) | ||||||
| Net expense from reinsurance contracts held | (139) | (72) | 2 | ||||||
| Insurance service result | 756 | 486 | 596 | ||||||
| Net investment return on assets held to back insurance and investment contracts | 23,844 | 16,013 | 16,742 | ||||||
| Net finance expense in respect of insurance and investment contracts | (24,044) | (16,278) | (16,776) | ||||||
| Net investment return and finance result in respect of insurance and investment contracts | (200) | (265) | (34) | ||||||
| Other operating income | 2,367 | 1,934 | 1,631 | ||||||
| Other income | 6,192 | 5,726 | 5,331 | ||||||
| Total income | 19,422 | 18,003 | 18,629 | ||||||
| Operating expenses | (11,966) | (11,601) | (10,823) | ||||||
| Impairment | (795) | (431) | (303) | ||||||
| Profit before tax | 6,661 | 5,971 | 7,503 | ||||||
| Tax expense | (1,904) | (1,494) | (1,985) | ||||||
| Profit for the year | 4,757 | 4,477 | [2] | 5,518 | [2] | ||||
| Profit attributable to ordinary shareholders | 4,196 | 3,923 | 4,933 | ||||||
| Profit attributable to other equity holders | 463 | 498 | 527 | ||||||
| Profit attributable to equity holders | 4,659 | 4,421 | 5,460 | ||||||
| Profit attributable to non-controlling interests | £ 98 | £ 56 | £ 58 | ||||||
| Basic earnings per share (in GBP per share) | £ 0.070 | £ 0.063 | £ 0.076 | ||||||
| Diluted earnings per share (in GBP per share) | £ 0.069 | £ 0.062 | £ 0.075 | ||||||
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Consolidated balance sheet - GBP (£) £ in Millions |
Dec. 31, 2025 |
Dec. 31, 2024 |
|||
|---|---|---|---|---|---|
| Assets | |||||
| Cash and balances at central banks | £ 56,661 | £ 62,705 | |||
| Financial assets at fair value through profit or loss | 240,413 | 215,925 | |||
| Derivative financial instruments | 19,727 | 24,065 | |||
| Loans and advances to banks | 7,236 | 7,900 | |||
| Loans and advances to customers | 481,463 | 459,857 | |||
| Reverse repurchase agreements | 50,986 | 49,476 | |||
| Debt securities | 13,987 | 14,544 | |||
| Financial assets at amortised cost | 553,672 | 531,777 | |||
| Financial assets at fair value through other comprehensive income | 36,320 | 30,690 | |||
| Goodwill and other intangible assets | 8,593 | 8,188 | |||
| Current tax recoverable | 1,346 | 526 | |||
| Deferred tax assets | 3,990 | 5,005 | |||
| Retirement benefit assets | 2,695 | 3,028 | |||
| Other assets | 20,655 | 24,788 | |||
| Total assets | 944,072 | 906,697 | |||
| Liabilities | |||||
| Deposits from banks | 5,779 | 6,158 | |||
| Customer deposits | 496,457 | 482,745 | |||
| Repurchase agreements at amortised cost | 38,570 | 37,760 | |||
| Financial liabilities at fair value through profit or loss | 27,909 | 27,611 | |||
| Derivative financial instruments | 16,132 | 21,676 | |||
| Notes in circulation | 2,118 | 2,121 | |||
| Debt securities in issue at amortised cost | 78,271 | 70,834 | |||
| Liabilities arising from insurance and participating investment contracts | 135,284 | 122,064 | |||
| Liabilities arising from non-participating investment contracts | 61,640 | 51,228 | |||
| Other liabilities | 20,945 | 25,918 | |||
| Retirement benefit obligations | 120 | 122 | |||
| Current tax liabilities | 52 | 45 | |||
| Deferred tax liabilities | 146 | 125 | |||
| Provisions | 2,888 | 2,313 | |||
| Subordinated liabilities | 9,894 | 10,089 | |||
| Total liabilities | 896,205 | 860,809 | |||
| Equity | |||||
| Share capital | 5,889 | 6,062 | |||
| Share premium account | 18,797 | 18,720 | |||
| Other reserves | 10,744 | 8,827 | |||
| Retained profits | 6,291 | 5,912 | |||
| Ordinary shareholders’ equity | 41,721 | 39,521 | |||
| Other equity instruments | 5,947 | 6,195 | |||
| Total equity excluding non-controlling interests | 47,668 | 45,716 | |||
| Non-controlling interests | 199 | 172 | |||
| Total equity | 47,867 | [1] | 45,888 | ||
| Total equity and liabilities | £ 944,072 | £ 906,697 | |||
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