Lloyds Banking Group (NYSE:LYG) Earnings Call Presentation

Digital & AI Leadership - Lloyds Banking Group aims to redefine the future of banking through technology and AI [22] - The company has over 21 million mobile app users, representing over 40% growth since 2021 [12] - Digital logons have grown by approximately 50% to around 7 billion [12] - The company has around 50 live Gen AI use cases in 2025 [13] Efficiency & Cost Savings - Over £200 million in fraud detection and prevention benefits have been realized [14] - Strategic initiatives are projected to contribute over 70% to over £1.5 billion in additional revenues by 2026 [14] - Strategic initiatives have contributed over 60% to approximately £1.5 billion in gross cost savings since 2021 (as of H1 2025) [14] - The Platform model has realized approximately £0.3 billion in gross cost savings to date [32] Customer Experience & Innovation - Loan conversion rates have increased by over 15 percentage points from Your Credit Score [14] - There are approximately 15 million monthly visits to Spending Insights and Upcoming Payments [14, 34] - Customer-led interactions via in-app messaging channels have increased by approximately 30 percentage points since 2022, leading to over 20% reduction in call volumes [35] Technology & Talent - The company has made over 10,000 technology and data hires since 2021 [29] - Approximately 80% of the change portfolio is delivered through agile methods, compared to 15% previously [29]