{ "schemaVersion": 1, "organisationId": "O-77b8144eae7f4e6d93ea9a0340c00ca8", "slug": "lloyds-banking-grp", "name": "LLOYDS BANKING GRP", "updatedAt": "2026-10-03T22:14:36.930842Z", "sections": [ { "type": "OVERVIEW", "text": "Lloyds Banking Group is a UK-focused financial services group serving retail and commercial customers. Its core businesses are Retail, Commercial Banking, and Wealth & Insurance, offering services that include personal and business banking, mortgages and lending, insurance, pensions, investments, and wealth management. The Group’s principal market is the UK, alongside European retail and other international activity. Its stated purpose is “Helping Britain Prosper.” [P71811388][P29829386][https://www.lloydsbankinggroup.com/who-we-are/group-overview.html][https://www.lloydsbankinggroup.com/who-we-are/our-strategy.html]\n\nThe Group’s official overview reports 28 million customers and 65,000 colleagues across 15 brands. For the year ended 31 December 2025, it reported underlying net income of £18.3 billion. [https://www.lloydsbankinggroup.com/who-we-are/group-overview.html][T8903089]\n[P71811388][P29829386][T8903089][https://www.lloydsbankinggroup.com/who-we-are/group-overview.html][https://www.lloydsbankinggroup.com/who-we-are/our-strategy.html]", "updatedAt": "2026-10-03T22:14:36.930842Z" }, { "type": "PRODUCTS", "text": "Lloyds Banking Group offers personal accounts, savings, mortgages, credit cards, loans, motor finance and leasing. Its Club Lloyds current account includes lifestyle benefits and refunds its £5 monthly fee in months when at least £2,000 is paid in; Lloyds also says the account has no Lloyds debit-card fees abroad, although third-party fees may apply. [https://www.lloydsbankinggroup.com/who-we-are/group-overview.html][https://www.lloydsbank.com/current-accounts/club-lloyds.html]\n\nDigital banking services include app-based cash deposits at PayPoint locations using a generated barcode, with deposits capped at £300 per day. The Lloyds app also supports card controls and subscription management. [https://www.lloydsbankinggroup.com/media/press-releases/2025/lloyds-bank-2025/lloyds-and-paypoint-super-charge-customer-choice-for-cash-depos.html][https://www.lloydsbankinggroup.com/media/press-releases/2025/lloyds-bank-2025/lloyds-to-launch-new-student-account.html] The Ready-Made Pension allows customers to transfer in existing pension pots and view and manage the pension through Lloyds’ app or online banking. [https://www.lloydsbank.com/pensions/ready-made-pension.html]\n\nFor business and corporate clients, services include current and deposit accounts, cash sweeping and pooling, term loans, revolving credit, invoice and supplier finance, asset-based lending, trade finance and risk management. [https://www.lloydsbank.com/business/corporate-banking/liquidity-and-accounts.html][https://www.lloydsbank.com/business/corporate-banking/financing/lending.html][https://www.lloydsbank.com/business/corporate-banking/working-capital.html]\n[https://www.lloydsbankinggroup.com/who-we-are/group-overview.html][https://www.lloydsbank.com/current-accounts/club-lloyds.html][https://www.lloydsbankinggroup.com/media/press-releases/2025/lloyds-bank-2025/lloyds-and-paypoint-super-charge-customer-choice-for-cash-depos.html][https://www.lloydsbankinggroup.com/media/press-releases/2025/lloyds-bank-2025/lloyds-to-launch-new-student-account.html][https://www.lloydsbank.com/pensions/ready-made-pension.html][https://www.lloydsbank.com/business/corporate-banking/liquidity-and-accounts.html][https://www.lloydsbank.com/business/corporate-banking/financing/lending.html][https://www.lloydsbank.com/business/corporate-banking/working-capital.html]", "updatedAt": "2026-10-03T22:14:36.930842Z" }, { "type": "GEOGRAPHY", "text": "Lloyds Banking Group’s geographic footprint is concentrated in the UK. In 2025, the Group reported £19,422m in revenue, of which £18,508m (95.3%) was attributed to the UK. Other reported locations included the US (£300m; 1.5%), Channel Islands and Isle of Man (£174m; 0.9%), Netherlands (£168m; 0.9%), India (£143m; 0.7%) and Germany (£126m; 0.6%). The country analysis assigns revenue according to where the business unit booking a transaction is located, so it does not necessarily indicate the customer’s location. [https://www.lloydsbankinggroup.com/assets/pdfs/investors/financial-performance/lloyds-banking-group-plc/2025/q4/2025-lbg-crdiv-country-analysis.pdf]\n\nThe Group reported average 2025 employment of 60,229 FTEs: 56,069 in the UK and 4,160 outside the UK. The largest reported overseas workforce was in India (2,779), followed by the Channel Islands and Isle of Man (495), Germany (439), the Netherlands (218), the US (197) and other locations (32). [https://www.lloydsbankinggroup.com/assets/pdfs/investors/financial-performance/lloyds-banking-group-plc/2025/q4/2025-lbg-crdiv-country-analysis.pdf] Lloyds Bank Corporate Markets separately reports branches and offices in the UK, US, Germany, Luxembourg and the Crown Dependencies. [https://www.lloydsbankinggroup.com/assets/pdfs/investors/financial-performance/lloyds-bank-corporate-markets-plc/2025/q4/2025-lbcm-annual-report.pdf] The Group lists UK office hubs in Belfast, Birmingham, Bristol, Chester, Edinburgh, Halifax, Leeds, London and Manchester. [https://www.lloydsbankinggroup.com/careers/where-we-are.html]\n[https://www.lloydsbankinggroup.com/assets/pdfs/investors/financial-performance/lloyds-banking-group-plc/2025/q4/2025-lbg-crdiv-country-analysis.pdf][https://www.lloydsbankinggroup.com/assets/pdfs/investors/financial-performance/lloyds-bank-corporate-markets-plc/2025/q4/2025-lbcm-annual-report.pdf][https://www.lloydsbankinggroup.com/careers/where-we-are.html]", "updatedAt": "2026-10-03T22:14:36.930842Z" }, { "type": "SEGMENTS", "text": "Lloyds Banking Group reports four segments: Retail, serving personal customers through current accounts, savings, mortgages, credit cards, unsecured loans and motor finance; Commercial Banking, providing lending, transactional banking, working-capital, financing and risk-management services to business, corporate and institutional clients; Insurance, Pensions and Investments (IP&I), covering insurance, pensions and investment services; and Other, a separately reported category without a more specific customer-business description in the segment table. [P12261331][P109829764][P11955595][T16535309]\n\nBy FY2025 underlying income, the approximate segment shares were Retail 62.1%, Commercial Banking 27.8%, IP&I 6.5% and Other 3.6%. These are calculated from the H1 and H2 2025 segment figures and total underlying income; they represent income mix, not profit contribution. [T16535310] The latest available interim reporting is H1 2026, whose segment descriptions were unchanged from FY2025. [P144492136]\n[P12261331][P109829764][P11955595][T16535309][T16535310][P144492136]", "updatedAt": "2026-10-03T22:14:36.930842Z" }, { "type": "HISTORY", "text": "Lloyds Banking Group traces its roots to several institutions: Bank of Scotland was established in 1695, Taylors & Lloyds—founded by Sampson Lloyd and John Taylor—opened in 1765, and Halifax Permanent Benefit Building Society was founded in 1852. Lloyds grew through more than 50 bank takeovers between 1864 and 1918; in 1972 it installed what the Group describes as the UK’s first online, real-time cash machine. [https://www.lloydsbankinggroup.com/who-we-are/our-heritage/timeline.html][https://www.lloydsbankinggroup.com/who-we-are/our-heritage/lloyds-bank.html]\n\nTSB Group plc was formed in 1986 and merged with Lloyds Bank in 1995. Lloyds TSB acquired Scottish Widows in 2000, and Halifax merged with Bank of Scotland to form HBOS in 2001. Lloyds TSB agreed to acquire HBOS in 2008 and completed the acquisition in January 2009, adopting the name Lloyds Banking Group plc. [P152855059][P152855060][P152855061][P152855062][P152855063] Lloyds Bank and TSB returned as separate brands in 2013; Lloyds floated part of TSB in 2014 and sold its remaining stake in 2015. The UK government completed the sale of its Lloyds shareholding in 2017, returning the Group to full private ownership. [https://www.lloydsbankinggroup.com/who-we-are/our-brands/lloyds-bank.html][https://www.lloydsbankinggroup.com/assets/pdfs/investors/financial-performance/lloyds-banking-group-plc/archive/2014/half-year/2014-lbg-hy-results.pdf][https://www.lloydsbankinggroup.com/assets/pdfs/investors/financial-performance/lloyds-banking-group-plc/archive/2015/full-year/2015-lbg-fy-results.pdf][https://www.gov.uk/government/news/government-shareholding-in-lloyds-banking-group]\n[P152855059][P152855060][P152855061][P152855062][P152855063][https://www.lloydsbankinggroup.com/who-we-are/our-heritage/timeline.html][https://www.lloydsbankinggroup.com/who-we-are/our-heritage/lloyds-bank.html][https://www.lloydsbankinggroup.com/who-we-are/our-brands/lloyds-bank.html][https://www.lloydsbankinggroup.com/assets/pdfs/investors/financial-performance/lloyds-banking-group-plc/archive/2014/half-year/2014-lbg-hy-results.pdf][https://www.lloydsbankinggroup.com/assets/pdfs/investors/financial-performance/lloyds-banking-group-plc/archive/2015/full-year/2015-lbg-fy-results.pdf][https://www.gov.uk/government/news/government-shareholding-in-lloyds-banking-group]", 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