This includes proactive outreach that helps them understand the tools and support available to them as part of our own customer financial assistance toolkit. Flats have fallen in popularity, down 5%, to 17%. Cryptocurrencies: Cryptocurrency quotes are updated in real-time. 29 July 2021 2 min read Lloyds Banking Group (Lloyds, or the Group) today announces that it intends to acquire the Embark Group (Embark), a fast growing investment and retirement platform business. Read the press release for more information. Home movers pay 64% more than 10 years ago. Throughout 2021 all our Board members made significant contributions. Includes Ownership Percent, Buy versus Sell comparison, Put-Call ratio and more, Get one-click access to balance sheets, income, operations and cash flow statements without having to find them in Annual and Quarterly Reports, Consolidated Statement Of Changes In Equity, Consolidated Statement Of Changes In Equity (Parenthetical), Consolidated Statement Of Comprehensive Income, Consolidated Statement Of Comprehensive Income (Parenthetical), Allowance For Expected Credit Losses (Tables), Allowance For Expected Credit Losses - Disclosure Of Application Of Judgement In Adjustments To Modelled Ecl (Details), Allowance For Expected Credit Losses - Disclosure Of Expected Credit Loss (Details), Allowance For Expected Credit Losses - Disclosure Of Generation Of Multiple Economic Assumptions By Quarter And By Year (Details), Allowance For Expected Credit Losses - Disclosure Of Significant Increase In Credit Risk (Details), Allowance For Expected Credit Losses - Narrative (Details), Allowance For Expected Credit Losses - 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Schedule Of Transferred Assets And Liabilities (Details), Value Of In-Force Business - Narrative (Details), Value Of In-Force Business - Schedule Of Acquired Value Of In-Force Non-Participating Investment Contracts (Details), Value Of In-Force Business - Schedule Of Range Of Yields And Other Key Assumptions (Details), Value Of In-Force Business - Schedule Of Value Of In-Force Business (Details), Value Of In-Force Business - Schedule Of Value Of In-Force Insurance And Participating Investment Contracts (Details), Exhibit 2.D: Plan Of Acquisition, Reorganization, Arrangement, Liquidation Or Succession, Exhibit 4.B(XIX): Instruments Defining The Rights Of Security Holders, Including Indentures, Exhibit 4.B(XX): Instruments Defining The Rights Of Security Holders, Including Indentures, Exhibit 4.B(XXI): Instruments Defining The Rights Of Security Holders, Including Indentures, Exhibit 8.1: Opinion Regarding Tax Matters, Exhibit 12.1: Statement Regarding Calculation Of Ratios, Exhibit 12.2: Statement Regarding Calculation Of Ratios, Exhibit 15.1: Letter Regards Unaudited Interim Financial Information, Exhibit 15.2: Letter Regards Unaudited Interim Financial Information, https://last10k.com/sec-filings/lyg/0001160106-23-000008.htm. This document contains certain forward-looking statements within the meaning of Section 21E of the US Securities Exchange Act of 1934, as amended, and section 27A of the US Securities Act of 1933, as amended, with respect to Lloyds Banking Group plc together with its subsidiaries (the Group) and its current goals and expectations. Statutory profit after tax reduced significantly, largely due to increased impairments given the deterioration in the economic outlook. We have had two Board members, Nick Prettejohn and Stuart Sinclair, stepping down as Non-Executive Directors of the Group. Please note:In the press release issued on Thursday 9 September announcing Lloyds Half Year results, we published a combined ratio figure for half year 2020 of 97.0% excluding COVID-19 claims. Lloyds Banking Group Annual Report and Accounts 2021 69. It's a great pleasure to be here with you today. Against this backdrop, the importance of Lloyds Banking Group's Purpose is clear. First-time buyers now make up 50% of home buyers in Scotland, compared to 37% in 2009. For comparison, buyers across the whole UK paid 428,647 to make their next step on the housing ladder, up 10% year on year, and up 101% since 2013. Thank you to everyone who has travelled to be with us in Edinburgh. Charlie has already made a significant impact, notably as the driving force behind the new purpose and strategy that will shape how our business operates over the next three to five years and beyond. There have also been some other changes to our Board in the last twelve months. Bringing together experts who share intelligence, judgement, capital and risk to create a braver world. Lloyds has announced an aggregated market loss of 0.9bn for 2020 (2019: 2.5bn profit), due to net COVID-19 losses of 3.4bn after reinsurance recoveries. Detached homes are the most popular choice for people moving home in Scotland, growing from 27% to 34% of purchases, over the last 10 years. Detached homes are the most popular choice for people moving home in Scotland, growing from 27% to 34% of purchases, over the last 10 years. More generally, we do not accept responsibility for loss by any person acting or refraining from action as a result of any statement, fact, figure or expression of belief (including any forward looking statement) contained on this web site. Discover our suite of tools and technologies to support your business needs. Another central pillar of this is sustainability, and how we are supporting the UK's transition to a low carbon economy. Stocks: Real-time U.S. stock quotes reflect trades reported through Nasdaq only; comprehensive quotes and volume reflect trading in all markets and are delayed at least 15 minutes. Some common technical phrases we use in our results presentations and communications. Lloyds and Corporation of Lloyds are registered trademarks of the Society of Lloyds, Lloyds is authorised under the Financial Services and Markets Act 2000, Regulatory tools (Crystal, Risk Locator & Stamp Decision Tool), Open Market Quality Assurance Tool (QA Tool), Binding Authority Quality Assurance Tool (QA Tool), Third Party Oversight (Delegated Authority). Stay on top of all the latest news impacting the insurance marketplace and understand the innovations, trends and insights on the changing risk landscape. In accordance with Listing Rule 9.6.1, Lloyds Banking Group plc has submitted today the following document to the National Storage Mechanism. In 2021, we will continue to do all we can to Help Britain Recover, as this is in the best interests of all our stakeholders. We use cookies and browser capability checks to help us deliver our online services, including to learn if you enabled Flash for video or ad blocking. Our contribution to building a more inclusive society is just one aspect of our Responsible Business performance, which is intrinsic to both our Purpose and our strategy. Where our colleagues are providing an essential service for the UK, such as in our call centres andbranches, we are following social distancing rules, to keep both our colleagues and customers safe. Vitaline Yeterian Senior Vice President - Global FIG +44 20 7855 6623 vitaline.yeterian@dbrsmorningstar.com. As we emerge from the COVID pandemic, we will need to continue supporting our clients, not only with their immediate financial needs, but with a focus on helping them adapt, grow and thrive as we transition to a low carbon economy. Our priority is to help the UK recover in an effective, inclusive and sustainable way. Source: FactSet. Sources: CoinDesk (Bitcoin), Kraken (all other cryptocurrencies), Calendars and Economy: 'Actual' numbers are added to the table after economic reports are released. In recent years digital payments have grown significantly, fuelled by the rapid rise in online shopping and e-commerce, as well as increased demand for speed, convenience, security and choice. Lloyds Banking Group plc published this content on 12 May 2023 and is solely responsible for the information contained therein. Lloyds reports strong 2021 half year results with 1.4bn profit and 92.2% combined ratio. 34% of Scottish home movers chose a detached house in the first half of 2023, 283,479 Average house price paid by home movers in Scotland in 2023, Rise in average price paid by Scottish home movers is 64%, Share this page on social, opens a new window, The Race for Space: Detached homes first choice for Scotlands movers. RNS is approved by the Financial Conduct Authority to act as a Primary Information Provider in the United Kingdom. Last August, we welcomed Charlie Nunn as our new Group Chief Executive. Fundamental company data and analyst estimates provided by FactSet. Annual Report 2022 Lloyd's announced its Full Year results for the period ending 31 December 2022 on 23 March 2023. We know that the current outlook is uncertain and, as with the pandemic, the cost-of-living crisis will be another crucial test of the banking sector and its ability to support and to protect its customers. Having embarked on a three-year journey to improve underwriting performance, Lloyds 2020 results demonstrate solid year-on-year progress. Welcome, also, to those of you watching on the live stream. Bringing together experts who share intelligence, judgement, capital and risk to create a braver world. Unlike with the earnings no expenses are subtracted. Lloyds Banking Group plc may also make or disclose written and/or oral forward-looking statements in other written materials and in oral statements made by the directors, officers or employees of Lloyds Banking Group plc to third parties, including financial analysts. Sources: FactSet, Dow Jones, ETF Movers: Includes ETFs & ETNs with volume of at least 50,000. Lloyds Banking Group annual report and accounts for 2022. Already we have identified those customers who we believe are most vulnerable to the impacts of inflation and rising energy costs, and who most need our guidance and support. Change value during other periods is calculated as the difference between the last trade and the most recent settle. The effects of coronavirus will remain for some time to come; thats why were providing extra practical and emotional support for the most vulnerable in society. Our investment case Our 2023 AGM was held on Thursday 18 May Poll results and speeches We're creating a more sustainable and inclusive future for people and businesses, shaping finance as a force for good. ordinary dividend per shareGiven the Groups strong capital position, dividends have resumed at the maximum allowed. Many people continue to feel the impact of the past year on their personal finances. Looking ahead, these trends are expected to continue, with the ability to offer a leading payments proposition vital in capturing this significant growth opportunity in the face of increased competitive disruption. This compares to 22% in 2013, which was twice the UK average at the time. Then later you'll hear from Charlie Nunn, our Group Chief Executive and Amanda Mackenzie, Chair of our Responsible Business Committee. Lloyds Bank plc and Bank of Scotland plc (members of Lloyds Banking Group), are authorised by the Prudential Regulation Authority and regulated by the Financial . 31 May 2023 The Lloyds Bank Business Barometer for May shows: Business confidence moved back to the Barometer's long-term average of 28% Confidence jumped in the South East but fell in other UK regions and nations Hiring intentions moderated slightly but this year's uptrend remained Firms' wage and own pricing expectations continued to be elevated We are doing our best to help and advise British businesses of all sizes so that as lockdown eases they can adapt their business models to re-open safely and profitably. DBRS Morningstar does not authorize their . Harmeen's expertise in these important areas is already proving of great value to the Board. By their nature, forward looking statements involve risk and uncertainty because they relate to events and depend upon circumstances that will or may occur in the future. In a year in which we launched a new strategy and emerged from the dark clouds of the pandemic, their guidance and insight was hugely important, and I would like to thank all of them. Watch the Full Year results 2020 presentation. DBRS Morningstar credit ratings, and other types of credit opinions and reports, are not intended for Australian residents or entities. We must also invest in developing future skills, ensuring that everything we do is underpinned by a purpose-driven and inclusive culture. We ask shareholders to access our documents online wherever possible, but if you need a printed copy of the annual report (free of charge) please contact the Company Registrar, Equiniti Limited, on 0371 384 2990. Given the Groups strong capital position, dividends have resumed at the maximum allowed. Find and access the services you need to do your job. Supporting customers Many people continue to feel the impact of the past year on their personal finances. (b) Transactions and balances with related parties Shifting from Lloyds Banking Group to the environment in which we operate, I am conscious that, once again, we are holding our AGM against the backdrop of uncertain times. Discover our suite of tools and technologies to support your business needs. Supporting over 93,000 start-ups, small businesses and charities; Getting more people on the housing ladder by lending more than 16 billion to over 80,000 first time buyers, and; Expanding the availability of affordable homes by providing more than 3 billion of new funding to social housing. It's a great pleasure to be here with you today. Charlie and Amanda will provide more details in a moment, but it would be remiss of me to not touch on this vital topic. Lloyds and Corporation of Lloyds are registered trademarks of the Society of Lloyds, Lloyds is authorised under the Financial Services and Markets Act 2000, Regulatory tools (Crystal, Risk Locator & Stamp Decision Tool), Open Market Quality Assurance Tool (QA Tool), Binding Authority Quality Assurance Tool (QA Tool), Third Party Oversight (Delegated Authority). Help rebuild households financial health and wellbeing, Support businesses to recover, adapt and grow, Expand availability of affordable and quality homes, Accelerate the transition to a low carbon economy. Welcome to Lloyds the worlds insurance marketplace. Thank you Stuart for your contribution over the last 6 years. New research by Lloyds Banking Group, based on analysis of reported cases among their more than 25 million retail customers, has found that two-thirds (68%) of all purchase scams now start on just two Meta-owned social media platforms - Facebook (including Facebook Marketplace) and Instagram. 24 February 2022 LLOYDS BANKING GROUP PLC - ANNUAL REPORT AND ACCOUNTS FOR THE YEAR ENDED 31 DECEMBER 2021 In accordance with Listing Rule 9.6.1, Lloyds Banking Group plc has submitted today the following document to the National Storage Mechanism. Mutual Funds & ETFs: All of the mutual fund and ETF information contained in this display, with the exception of the current price and price history, was supplied by Lipper, A Refinitiv Company, subject to the following: Copyright Refinitiv. This will ensure we contribute to creating an environmentally sustainable and inclusive future for the UK and by doing so build a successful and sustainable business. I believe it is worth highlighting that Lloyds Banking Group remains one of the largest taxpayers in the UK, while our total bonus pool of 399 million is significantly lower than many other major UK banks. Its impact has been felt by everyone, whether through financial hardship, reduced choices, mental distress or personal loss. Discover the breadth of the Lloyds marketplace and find the experts to support your risk - whatever the size and complexity. Directors' report Chair's introduction 70 UK Corporate Governance Code 71 Our Board 72 Group Executive Committee 74 Board leadership and company purpose 76 Division of responsibilities 82 Composition, succession and evaluation 83 Audit, risk and internal control 86 Committee reports Nomination and Governance Committee . Annual Report 2021 Lloyd's announced its Full Year results for the period ending 31 December 2021 on 24 March 2022. Our colleagues, especially at a more junior level, are impacted by the rising cost of living and our 2022 pay budget will seek to prioritise spend towards these individuals. We are providing the information in this section for background information only. See pages 40-41 of the annual report for full details. Lloyds has shown it can withstand the effects of an unexpected and unprecedented disaster. Our support includes the work done by our independent charitable foundations to support refugees and asylum seekers over many years, including recently from Ukraine and elsewhere. Last year, given the Group's improved performance, we awarded an annual bonus having not done so in 2020. Looking ahead, industry is already showing greater confidence and we may soon begin to see signs of a rebounding housing market., Lloyds Bank plc and Bank of Scotland plc (members of Lloyds Banking Group), are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. In 2021, we will continue to do all we can to Help Britain Recover, as this is in the best interests of all our stakeholders. Analysis-Banks break taboo for high-risk bonds, Lightsource BP raises $460 million for solar projects in Louisiana, Indiana, Homes Alone : Detached houses are movers' top choice, The Race For Space : Detached homes first choice for Scotland's movers, News Highlights: Top Financial Services News of the Day, Numis cuts 3i Group; HSBC likes JD Wetherspoon, London businesses most confident in the UK amid economic slowdown, LLOYDS BANKING GROUP PLC : Security operations. Factors that could cause actual business, strategy, plans and/or results (including but not limited to the payment of dividends) to differ materially from forward looking statements include, but are not limited to: general economic and business conditions in the UK and internationally; market related risks, trends and developments; risks concerning borrower and counterparty credit quality; fluctuations in interest rates, inflation, exchange rates, stock markets and currencies; volatility in credit markets; volatility in the price of our securities; any impact of the transition from IBORs to alternative reference rates; the ability to access sufficient sources of capital, liquidity and funding when required; changes to the Group's credit ratings; the ability to derive cost savings and other benefits including, but without limitation, as a result of any acquisitions, disposals and other strategic transactions; inability to capture accurately the expected value from acquisitions; potential changes in dividend policy; the ability to achieve strategic objectives; insurance risks; management and monitoring of conduct risk; exposure to counterparty risk; credit rating risk; tightening of monetary policy in jurisdictions in which the Group operates; instability in the global financial markets, including within the Eurozone, and as a result of ongoing uncertainty following the exit by the UK from the European Union (EU) and the effects of the EU-UK Trade and Cooperation Agreement; political instability including as a result of any UK general election and any further possible referendum on Scottish independence; operational risks; conduct risk; technological changes and risks to the security of IT and operational infrastructure, systems, data and information resulting from increased threat of cyber and other attacks; natural pandemic (including but not limited to the COVID-19 pandemic) and other disasters; inadequate or failed internal or external processes or systems; acts of hostility or terrorism and responses to those acts, or other such events; geopolitical unpredictability; risks relating to sustainability and climate change (and achieving climate change ambitions), including the Group's ability along with the government and other stakeholders to measure, manage and mitigate the impacts of climate change effectively; changes in laws, regulations, practices and accounting standards or taxation; changes to regulatory capital or liquidity requirements and similar contingencies; assessment related to resolution planning requirements; the policies and actions of governmental or regulatory authorities or courts together with any resulting impact on the future structure of the Group; failure to comply with anti-money laundering, counter terrorist financing, anti-bribery and sanctions regulations; failure to prevent or detect any illegal or improper activities. However, we know that as we deliver the next phase of our strategy it is vital that we are able to attract and retain talent and reward our colleagues appropriately. Semi-detached homes accounted for 21% of sales, unchanged from 2013. We have approved around 1.3 million payment holidays for customers who have mortgages, personal loans, credit cards and car finance with us since the start of the outbreak, and are helping our customers to replan their finances. Please wait while we load the requested 20-F report or click the link below: https://last10k.com/sec-filings/report/1160106/000116010623000008/lyg-20221231.htm. Data are provided 'as is' for informational purposes only and are not intended for trading purposes. digitally active customersDigitally active customers continued to increase and we remain the largest digital bank in the UK. This section does not make an offer of, or solicit an offer for, any of these things. This includes diversifying our revenue streams and capitalising on the potential of establishing a greater digital capability across our segments. Cost:income ratio deteriorated due to lower income. Our dedicated telephone services, with extended opening hours for the over 70s and NHS workers, have taken around 880,000 calls since the end of March, allowing us to prioritise support for these customers and their urgent needs. Secure and increase the performance of your investments with our team of experts at your side. I'd like to thank William Chalmers for so capably assuming the responsibilities of Interim Group Chief Executive last year prior to Charlie's arrival, and I know how grateful Charlie and the Board are to him for making the transition so seamless. You will also have seen that our results included a charge of 790 million for HBOS Reading, with 600 million recognised in the fourth quarter to reflect the estimated future cost of the process and redress. The next phase of our strategy, Strategic Review 2021, is focused on Helping Britain Recover and further enhancing our core capabilities. You can read more about our remuneration approach in the Remuneration Report section of our Annual Report. Return on tangible equity of 3.7%, given lower statutory profit. Lloyds Banking Group is a customer focused, sustainable, efficient and low risk UK financial services leader with the clear purpose of Helping Britain Prosper. The information, statements and opinions contained in this document do not constitute a public offer under any applicable law or an offer to sell any securities or financial instruments or any advice or recommendation with respect to such securities or financial instruments. 05/12/2023 EDT Speech from Robin Budenberg, Lloyds Banking Group Chair, at our 2022 Annual General Meeting. statutory profit after taxStatutory profit after tax reduced significantly, largely due to increased impairments given the deterioration in the economic outlook. Most notably, the strategy transitions the Group into a more growth-centric mindset. Annual Report and Accounts 2020 This document will shortly be available for inspection at This represents an increase of 20% on 2021, in line with our progressive and sustainable ordinary dividend policy. The average price paid by people moving home in Scotland has risen by 5% in the last 12 months to 283,479 and is 64% higher than 10 years ago. We recognise that the focus of the Group's purpose must evolve in response to the current environment and changing customer needs and expectations. Financial downloads Latest and archived results for Lloyds Banking Group and its main subsidiaries. In the first half of the year 10,488 first-time mortgages were completed, around a third fewer than the previous year. Improvement in combined ratio (ex-COVID-19). We know how important capital distributions are to Lloyds Banking Group shareholders, and we were pleased to be able to increase these significantly as a result of our financial performance in 2021 and the Group's exceptional capital position. We have supported them to obtain more than 12 billion in finance through the Government backed lending schemes, helped them to manage their cash flow by granting around 34,000 capital repayment holidays and helped their working capital by agreeing around 22,000 fee-free overdrafts to businesses. In November, Harmeen Mehta joined the Board as an independent Non-Executive Director. In an increasingly competitive market, it is vital that we are able to appropriately use this data to create insights that deliver better customer outcomes and strengthen our own risk management processes. ; projected employee numbers and key person risk; increased labour costs; assumptions and estimates that form the basis of our financial statements; the impact of competitive conditions; and exposure to legal, regulatory or competition proceedings, investigations or complaints. We are not providing access to this section for the purpose of soliciting: (a) membership in Lloyds or membership of any syndicate of Lloyds, (b) the purchase of any security issued by Lloyds, or (c) the purchase of insurance, or any other service or product, in the Lloyds market. Speech from Robin Budenberg, Lloyds Banking Group Chair, at our 2022 Annual General Meeting. The results presentation and press release have been updated. Our people are crucial to the success of the Group and our purpose. LLOYDS BANKING GROUP PLC - ANNUAL REPORT AND ACCOUNTS. We are especially conscious of this against the backdrop of inflation and the rising cost of living across the UK. Terms and conditions relating to the use and distribution of this information may apply. Once again, I am hugely proud of how our colleagues helped to make a real difference. Weve also proactively made over 750,000 calls to check on the wellbeing of our vulnerable customers. Annual Report Half Year results SFCR Financial results 2020 View our financial results for 2020. LLOYDS BANK PLC ANNUAL REPORT AND ACCOUNTS FOR THE YEAR ENDED 31 DECEMBER 2021 LONDON, March 08, 2022 (GLOBE NEWSWIRE) -- In accordance with Listing Rule 9.6.1, Lloyds Bank plc has. Annual report 2022 Annual report 2022 collapsed. Embark enhances the Group's capabilities to address the attractive mass market and self-directed Wealth segment, completing its Wealth proposition. Wed 24 May, 2023 - 7:55 AM ET. Lloyds delivered a number of key successes during 2020 across all three strategic priorities, despite the impact of COVID-19. Digitally active customers continued to increase and we remain the largest digital bank in the UK. Good morning, and welcome to the Lloyds Banking Group Annual General Meeting. Register to receive all shareholder communications and documents in digital format. This has created the platform for, Share this page on social, opens a new window. Through this, we aim to deliver a further step change in agility and responsiveness to customer trends, while also supporting our broader strategic priorities around enhanced data insights, improved customer experience and operational resilience and efficiency. More than 50,000 colleagues worked from home for most of 2020, up from 15,000 before the pandemic, and this will continue, until at least Summer 2021. Harmeen has extensive experience in leading digital, engineering, IT and transformation as well as cyber security. Watch a summary of our 2020 Full Year financial results by our Chief Financial Officer, Burkhard Keese. Charlie will speak in more detail on this, so I'll avoid stealing his thunder, but I believe it represents a compelling plan for our purpose-led business over the coming years. Clearly we're only at the start of this strategic journey, and we look forward to updating you on our progress in the years ahead. 2023 Q1 interim management statement These statements concern or may affect future matters, including but not limited to: projections or expectations of the Group's future financial position, including profit attributable to shareholders, provisions, economic profit, dividends, capital structure, portfolios, net interest margin, capital ratios, liquidity, risk-weighted assets (RWAs), expenditures or any other financial items or ratios; litigation, regulatory and governmental investigations; the Group's future financial performance; the level and extent of future impairments and write-downs; the Group's ESG targets and/or commitments; statements of plans, objectives or goals of the Group or its management and other statements that are not historical fact; expectations about the impact of COVID-19; and statements of assumptions underlying such statements. Source: Kantar Media, Federal Funds Sold & Securities Purchased, Total Assets FOR CALCULATION PURPOSES ONLY, Other Liabilities (excl. Gain, Unrealized Gain/Loss Marketable Securities, Total Shareholders' Equity / Total Assets. Lloyd's reports strong 2021 half year results with 1.4bn profit and 92.2% combined ratio. All rights reserved. Download annual report Annual report and accounts - ESEF reporting package (NSM filing) Jump to all downloads 2021 ESG report Nick in September and Stuart after this AGM. Statements that are not historical or current facts, including statements about the Group's or its directors' and/or management's beliefs and expectations, are forward looking statements. Our focus will therefore be to Help Britain Recover, and we are committed to working with others in five areas where we can make the most difference. Compare this 20-F Annual Report to its predecessor by reading our highlights to see what text and tables wereremoved, added and changedby Lloyds Banking Group Plc. Highlights in 2021 include the extent to which sustainability has informed our new strategy and the pledges we made at COP26. Colleague engagement remains at its highest ever level, with our employee engagement index seven points higher than 2019. Except as required by any applicable law or regulation, the forward-looking statements contained in this document are made as of today's date, and the Group expressly disclaims any obligation or undertaking to release publicly any updates or revisions to any forward looking statements contained in this document whether as a result of new information, future events or otherwise. 20-F Annual Report Fri Feb 24 2023 6-K Foreign Issuer Report 6-K Foreign Issuer Report 6-K Foreign Issuer Report 6-K Foreign Issuer Report 6-K Foreign Issuer Report 6-K Foreign Issuer Report 6-K Foreign Issuer Report 20-F Annual Report 20-F YoY Changes Lloyds Banking Group Plc CIK: 1160106 Ticker: LYG Sections Exhibits Stats Delayed London Stock Exchange During an extraordinarily challenging time we are Helping Britain Recover, as part of our Group purpose of Helping Britain Prosper. Financial results 2021 View our financial results for 2021. The COVID-19 pandemic has accelerated a number of pre-existing shifts in customer behaviours and preferences, while also starkly demonstrating financial vulnerabilities affecting customers of all ages across the UK. We have made significant progress in recent years, leveraging the unique strengths and assets of the Group, including our purpose driven and customer focused business model, our low risk approach to business, our market leading efficiency and our leading multi-channel propositions including the largest digital bank and branch network in the UK. Discover the breadth of the Lloyds marketplace and find the experts to support your risk - whatever the size and complexity. Environmental, social and governance investor presentation. Bringing together experts who share intelligence, judgement, capital and risk to create a braver world. Last year, we also provided charities with working capital facilities to help them maintain liquidity during Covid and we will continue to offer increased hands-on advice. I'm Robin Budenberg and this is my second AGM since becoming Group Chair in January 2021. Thank you to everyone who has travelled to be with us in Edinburgh. We have also provided 25.5 million to our charitable Foundations in 2020 and have guaranteed the same funding for 2021, to keep those who are most isolated connected and give people support when they need it most. Were taking every precaution to protect our colleagues. This announcement is made in accordance with DTR 6.3.5R(1A). I am pleased that you'll all see and hear this first hand when Charlie speaks in a moment. Were giving our customers the flexibility they need to manage their finances, while helping protect them from fraud. Remuneration, is a key topic for both our shareholders, and our wider external stakeholders. News Corp is a global, diversified media and information services company focused on creating and distributing authoritative and engaging content and other products and services. A copy of the Annual Report and Accounts 2021 is available through the 'Investors' section of our website www.lloydsbankinggroup.com This announcement is made in accordance with DTR 6.3.5R. Furthermore, we have provided over 12 billion to 200 plus housing associations over the past four years and are taking significant steps to improve the energy efficiency of social housing reducing energy costs for tenants. This is also the lowest recorded by Bank ofScotlands Home Mover Review since the pandemic. All awards are determined by the Board's Remuneration Committee following extremely careful consideration against our policy's scorecard. So, to kick-off, I'll start with a few words on what we achieved last year and the outlook as I see it for Lloyds Banking Group. For over 320 years, with our unique family of brands, we have supported Britain through the good times and the bad and this time is no different. As a result of the lockdowns, businesses are facing challenges like never before. Scottish first-time buyer numbers also dropped during the period as a number of support schemes ended and the pressure of rising inflation and interest rates took effect. Were working with the Government to provide loans and working capital support for the businesses of Britain, at the same time as providing the sector-by-sector expertise needed to help them adapt for success. By using our website or by closing this message box, you agree to our use of browser capability checks, and to our use of cookies as described in our Cookie Policy. And were working with the Government to get practical help to those who need it most, in communities across all the regions of the UK. Annual Report Half Year results SFCR Results archive View our archived financial results. This document contains certain forward-looking statements within the meaning of Section 21E of the US Securities Exchange Act of 1934, as amended, and section 27A of the US Securities Act of 1933, as amended, with respect to Lloyds Banking Group plc together with its subsidiaries (the Group) and its current goals and expectations. Discover our suite of tools and technologies to support your business needs. Turning to an overview of the Group's performance last year. Were keeping our colleagues as safe as we can while they provide essential services to people across the UK. Our ambitious new strategy, improved financial performance, increased capital distributions to our shareholders as well as our role in supporting the UK economy in bouncing back from the pandemic was all possible because of the hard work of our people. This performance, and our ability to support the economic recovery, is fundamentally enabled by our clearly understood purpose of Helping Britain Prosper. Find and access the services you need to do your job. Good morning, and welcome to the Lloyds Banking Group Annual General Meeting. Lloyds announced its Half Year results for the period ending ending 30 June 2021 on 9 September 2021. Authorisation can be checked on the Financial Services Register at:www.fca.org.uk. We are committed to remaining by the side of British businesses of all sizes, with market leading propositions that are relevant to their very specific and evolving needs. These statements concern or may affect future matters, including but not limited to: projections or expectations of the Group's future financial position, including profit attributable to shareholders, provisions, economic profit, dividends, capital structure, portfolios, net interest margin, capital ratios, liquidity, risk-weighted assets (RWAs), expenditures or any other financial items or ratios; litigation, regulatory and governmental investigations; the Group's future financial performance; the level and extent of future impairments and write-downs; the Group's ESG targets and/or commitments; statements of plans, objectives or goals of the Group or its management and other statements that are not historical fact; expectations about the impact of COVID-19; and statements of assumptions underlying such statements. "The Group has been playing a leading role in the immediate national response, supporting customers, colleagues and our communities through the crisis and beyond. Detached homes are also the most popular choice for movers in the East Midlands (45%), Northern Ireland (42%), and in five other parts of the UK. Following the more 'virtual' approach we had to take in 2021 and 2020 due to the pandemic, it is really pleasing to be without constraints. Douglas Radcliffe +44 (0)20 7356 1571, Matt Smith +44 (0)20 7356 3522. In 2021 this focus was on Helping Britain Recover. Many have been forced to close and furlough their staff, while others have had to adapt to external changes. ", See page 4 of the annual report for the full statement, "Coronavirus has had a profound impact on our lives and the economy but the Group has delivered a resilient performance with continued strategic progress. cost:income ratioCost:income ratio deteriorated due to lower income. Graham Blair, head of mortgages, Bank of Scotland said: With the house prices paid by home movers in Scotland up 5% in the last year, home ownership is still proving a safe place for investment and is the aspiration of many. Source: FactSet, Markets Diary: Data on U.S. Overview page represent trading in all U.S. markets and updates until 8 p.m. See Closing Diaries table for 4 p.m. closing data. Join the best minds in the market - access the expertise, knowledge and insights to protect and develop your business. With evolution of our strategy, we will further embed our purpose across all of our activities. Whatever situation our business customers have faced, weve stood by their side. Welcome to Lloyds the worlds insurance marketplace. In total we have made a distribution of 3.4 billion. Factors that could cause actual business, strategy, plans and/or results (including but not limited to the payment of dividends) to differ materially from forward looking statements include, but are not limited to: general economic and business conditions in the UK and internationally; market related risks, trends and developments; risks concerning borrower and counterparty credit quality; fluctuations in interest rates, inflation, exchange rates, stock markets and currencies; volatility in credit markets; volatility in the price of our securities; any impact of the transition from IBORs to alternative reference rates; the ability to access sufficient sources of capital, liquidity and funding when required; changes to the Group's credit ratings; the ability to derive cost savings and other benefits including, but without limitation, as a result of any acquisitions, disposals and other strategic transactions; inability to capture accurately the expected value from acquisitions; potential changes in dividend policy; the ability to achieve strategic objectives; insurance risks; management and monitoring of conduct risk; exposure to counterparty risk; credit rating risk; tightening of monetary policy in jurisdictions in which the Group operates; instability in the global financial markets, including within the Eurozone, and as a result of ongoing uncertainty following the exit by the UK from the European Union (EU) and the effects of the EU-UK Trade and Cooperation Agreement; political instability including as a result of any UK general election and any further possible referendum on Scottish independence; operational risks; conduct risk; technological changes and risks to the security of IT and operational infrastructure, systems, data and information resulting from increased threat of cyber and other attacks; natural pandemic (including but not limited to the COVID-19 pandemic) and other disasters; inadequate or failed internal or external processes or systems; acts of hostility or terrorism and responses to those acts, or other such events; geopolitical unpredictability; risks relating to sustainability and climate change (and achieving climate change ambitions), including the Group's ability along with the government and other stakeholders to measure, manage and mitigate the impacts of climate change effectively; changes in laws, regulations, practices and accounting standards or taxation; changes to regulatory capital or liquidity requirements and similar contingencies; assessment related to resolution planning requirements; the policies and actions of governmental or regulatory authorities or courts together with any resulting impact on the future structure of the Group; failure to comply with anti-money laundering, counter terrorist financing, anti-bribery and sanctions regulations; failure to prevent or detect any illegal or improper activities; projected employee numbers and key person risk; increased labour costs; assumptions and estimates that form the basis of our financial statements; the impact of competitive conditions; and exposure to legal, regulatory or competition proceedings, investigations or complaints. 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