Q3 INTERIM MANAGEMENT STATEMENT Presentation to analysts and investors | 31 October 2019 Solid financial performance in a challenging environment - Net income of £13.0bn, 3% lower, with NIM of 289bps - Continued reduction in total costs, down 5%, with BAU costs down 6% and cost:income ratio further improved to 46.5% - Credit quality remains strong; net AQR increased to 29bps including a single large corporate charge in Q3 Q3 2019 Year to date | --- | --- | --- | |---------------------------------------|---- ...

Lloyds Banking Group PLC (NYSE:LYG) Q3 2019 Earnings Conference Call October 31, 2019 5:30 AM ET Company Participants William Chalmers - CFO & Executive Director Conference Call Participants Jason Napier - UBS Investment Bank Raul Sinha - JPMorgan Chase & Co. Joseph Dickerson - Jefferies Fahad Changazi - Mediobanca Andrew Coombs - Citigroup Christopher Manners - Barclays Bank Martin Leitgeb - Goldman Sachs Group Guy Stebbings - Exane BNP Paribas Jonathan Pierce - Numis Securities Limited Christopher Cant - ...

LLOYDS BANKING GROUP António Horta-Osório | 9 September 2019 0 Our differentiated business model means we are well placed to deliver sustainable, superior performance, irrespective of the economic environment Market leading efficiency Greater investment capacity Enhancements to internal processes Improvement to customer experience Net cost reduction Sustainable and superior returns Delivering for customers Multi-brand, multichannel distribution model Data-driven personalised experiences Market leading effic ...

Lloyds Banking Group plc (NYSE:LYG) Q2 2019 Earnings Conference Call July 31, 2019 4:30 AM ET Company Participants António Horta-Osório - Executive Director and Group Chief Executive George Culmer - Chief Financial Officer and Executive Director Antonio Lorenzo - Chief Executive, Scottish Widows and Group Director, Insurance and Wealth Conference Call Participants Jason Napier - UBS Chris Manners - Barclays Plc Rohith Chandra-Rajan - Bank of America Merrill Lynch Andrew Coombs - Citigroup Martin Leitgeb - G ...

| --- | --- | --- | --- | --- | |-------|-------|-------|-------|-------| | | | | | | | | | | | | | | | | | | | --- | --- | |----------------------------------------------------|----------------------------------------------------| | Introduction | António Horta-Osório Group Chief Executive | | Maximising Group Capabilities – Insurance & Wealth | Antonio Lorenzo Group Director, Insurance & Wealth | | Financial Update | George Culmer Chief Financial Officer | | Q&A | | 1 | --- | --- | |---------------------- ...

Lloyds Banking Group PLC (NYSE:LYG) Q1 2019 Earnings Conference Call May 2, 2019 4:30 AM ET Company Participants George Culmer – Chief Financial Officer and Executive Director Conference Call Participants Raul Sinha – J.P. Morgan Joseph Dickerson – Jefferies Fahed Kunwar – Redburn Chris Manners – Barclays Andrew Coombs – Citi Jonathan Pierce – Numis Securities Limited Guy Stebbings – Exane BNP Edward Firth – KBW Robert Noble – RBC Martin Leitgeb – Goldman Sachs James Invine – Societe Generale Chris Cant – A ...

As filed with the Securities and Exchange Commission on 25 February 2019 UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 20-F o REGISTRATION STATEMENT PURSUANT TO SECTION 12(b) OR 12(g) OF THE SECURITIES EXCHANGE ACT OF 1934 OR x ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended 31 December 2018 OR o TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 OR o SHELL COMPANY REPORT PURSU ...