Lloyds Bank Business & Commercial Banking has appointed Linda Weston to the newly created position of head of commercial cards, effective in June.Weston will join the bank with 25 years of experience in the cards and payments industry, including roles at Barclaycard Payments, J.P. Morgan and RBS, Lloyds Bank said in a press release emailed to PYMNTS.In the new position, Weston will support U.K. businesses with their working capital needs and support the group’s wider strategy, according to the release.“Lind ...

Lloyds Banking Group PLC (NYSE:LYG) Q4 2023 Earnings Conference Call February 22, 2024 4:30 AM ET Company Participants Charles Nunn - Group Chief Executive & Executive Director William Chalmers - Group CFO & Executive Director Douglas Radcliffe - Group IR Director Conference Call Participants Alvaro Serrano - Morgan Stanley Joseph Dickerson - Jefferies Rohith Chandra-Rajan - Bank of America Merrill Lynch Jonathan Pierce - Numis Securities Limited Christopher Cant - Bernstein Autonomous Amandeep Rakkar - Bar ...

As filed with the Securities and Exchange Commission on 22 February 2024 UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 Form 20-F ☐ REGISTRATION STATEMENT PURSUANT TO SECTION 12(b) OR 12(g) OF THE SECURITIES EXCHANGE ACT OF 1934 OR ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended 31 December 2023 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 OR ☐ SHELL COMPANY REPORT PURSU ...

Helping Britain Lloyds Banking Group plc Annual Report and Accounts 2023 For over 325 years we have supported Britain, helping people and businesses invest and grow. Today is no different. Our purpose-driven strategy is focused on supporting the needs of our customers, colleagues and communities, whilst delivering long-term, sustainable returns and creating value for our shareholders. As the UK's largest digital bank, with 27 million customers and 2.2 million shareholders, we're looking to create a more sus ...

Lloyds Banking Group plc (NYSE:LYG) Q3 2023 Earnings Conference Call October 23, 2023 4:30 AM ET Company Participants William Chalmers - Chief Financial Officer Conference Call Participants Guy Stebbings - Exane BNP Paribas Jason Napier - UBS Jonathan Pierce - Numis Benjamin Toms - RBC Capital Markets Chris Cant - Autonomous Edward Firth - KBW Rohith Chandra-Rajan - Bank of America Andrew Coombs - Citi Aman Rakkar - Barclays Capital Operator Thank you for standing by and welcome to the Lloyds Banking Group ...

SECURITIES AND EXCHANGE COMMISSION Washington, D.C.20549 FORM 6-K Report of Foreign Private Issuer Pursuant to Rule 13a-16 or 15d-16 of the Securities Exchange Act of 1934 25 October 2023 LLOYDS BANKING GROUP plc (Translation of registrant's name into English) 5th Floor 25 Gresham Street London EC2V 7HN United Kingdom (Address of principal executive offices) Index to Exhibits Item No. 1 Regulatory News Service Announcement, 25 October 2023 re: 2023 Q3 Interim Management Statement LloydsBanking Group plc Q3 ...

Financial Data and Key Metrics Changes - Statutory profit after tax increased to GBP2.9 billion, up 17% year-on-year [38] - Return on tangible equity was reported at 16.6% [38] - Net interest income for the first half was GBP7 billion, reflecting a 14% year-on-year increase [48] - Net interest margin for the first half was 318 basis points, with a second quarter margin of 314 basis points [41][22] - Customer deposits totaled GBP470 billion, down 1.2% in the half [45] Business Line Data and Key Metrics Changes - Total lending balances stood at GBP451 billion, with retail balances flat and commercial down GBP2.9 billion [39] - The mortgage portfolio is resilient at GBP306 billion, with competitive pricing pressures noted [43] - Other lending books, including consumer balances, increased by GBP1.8 billion in the half [52] Market Data and Key Metrics Changes - The average household income in the mortgage portfolio is over GBP75,000, indicating a strong consumer base [76] - The average loan-to-value ratio of the mortgage portfolio is 42%, with 92% of the book below 80% LTV [78] - The UK consumer is adapting well to rising mortgage rates, with average payments increasing by GBP185 per month [76] Company Strategy and Development Direction - The company is on track to deliver strategic benefits outlined for 2024 and 2026, despite a challenging environment [15] - Continued investment of GBP0.6 billion in the first half of the year, totaling GBP1.4 billion to date [26] - Focus on enhancing digital engagement, with 20.6 million digitally active customers [29] Management's Comments on Operating Environment and Future Outlook - Management noted increased uncertainty for customers due to high inflation and interest rates [13] - The company expects net interest income to continue building in absolute terms, supported by stronger base rates [6] - Confidence in the capital position and financial strength to support customers and deliver for shareholders [16] Other Important Information - The interim ordinary dividend was increased by 15% compared to the first half of last year [24] - The company is committed to supporting customers through proactive measures, including contacting over 200,000 affected by rising mortgage rates [18] Q&A Session Summary Question: Outlook for net interest income and UK consumer health - Management indicated that net interest income is expected to build in absolute terms, with the UK consumer showing resilience despite rising mortgage payments [6][76] Question: Changes in customer behavior and deposit performance - Management reported no significant changes in customer behavior in July, with deposit performance remaining stable [121][124] Question: Conduct risk related to debanking - Management clarified that customer exits are based on specific obligations, and there is no exposure to conduct risk from political beliefs [126][128] Question: Cost inflation and management strategies - Management acknowledged cost inflation pressures but emphasized their commitment to cost targets and strategies to mitigate these impacts [134][141] Question: Structural hedge and TNAV movements - Management explained that while the notional hedge size may drop, the income effect remains positive due to current rate conditions [144]

18 Classification: Public Operating costs in line with expectations Operating costs (£m) Cost:income ratio (%) 51.1 49.6 47.8 50.2 46.6 49.5 Q1 2022 Q2 2022 Q3 2022 Q4 2022 50.3 52.3 53.7 48.1 4,171 4,413 H1 2022 H1 2023 (130) 188 Cost savings Pay & inflation 187 Investment, depreciation & strategic opex (3) Other +6% Q1 2023 47.1 Q2 2023 50.6 48.8 Cost:income ratio ex. Remediation Remediation • H1 operating costs £4.4bn, up 6% given planned strategic investment, new business and inflation • H1 cost:income ...

30 June 2023 LLOYDS BANKING GROUP plc (Translation of registrant's name into English) SECURITIES AND EXCHANGE COMMISSION Washington, D.C.20549 FORM 6-K Report of Foreign Private Issuer Pursuant to Rule 13a-16 or 15d-16 of the Securities Exchange Act of 1934 Index to Exhibits 5th Floor 25 Gresham Street London EC2V 7HN United Kingdom Item (Address of principal executive offices) No. 1 Regulatory News Service Announcement, dated 30 June 2023 re: Transaction in Own Shares 30 June 2023 Indicate by check mark wh ...

SECURITIES AND EXCHANGE COMMISSION Washington, D.C.20549 FORM 6-K Report of Foreign Private Issuer Pursuant to Rule 13a-16 or 15d-16 of the Securities Exchange Act of 1934 31 March 2023 LLOYDS BANKING GROUP plc (Translation of registrant's name into English) 5th Floor 25 Gresham Street London EC2V 7HN United Kingdom (Address of principal executive offices) Indicate by check mark whether the registrant files or will file annual reports under cover Form 20-F or Form 40-F. Form 20-F..X.. Form 40-F Indicate by ...