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Lloyds Banking Group
Lloyds Banking Group (LLOY) investor relations material
Lloyds Banking Group Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary29 Jan, 2026
Executive summary
Strategic transformation accelerated in 2025, with significant digital and AI advancements, positioning for upgraded 2026 commitments and sustainable returns.
Strong momentum and robust growth across business lines, meeting or exceeding guidance and increasing shareholder distributions.
Upgraded 2026 guidance reflects confidence in continued income growth, operating leverage, and sustainable returns.
Enhanced customer offerings and digital leadership, with over 9,000 technology hires since 2021.
Strong capital generation enabled a 15% dividend increase and a £1.75bn share buyback.
Financial highlights
Statutory profit after tax reached GBP 4.8 billion in 2025, up 6% year-on-year; RoTE was 12.9% (14.8% excluding Q3 motor provision).
Net income for 2025 was GBP 18.3 billion, up 7% year-on-year; NII up 6%, OOI up 9%.
Operating costs were GBP 9.76 billion, up 3% year-on-year; cost-income ratio at 58.6% (53.3% excluding remediation).
Capital generation was 147 basis points (178 bps excluding motor provision); CET1 ratio at 13.2%.
Impairment charge was GBP 795 million, with an asset quality ratio of 17bps, reflecting stable credit performance.
Outlook and guidance
Upgraded 2026 RoTE target to greater than 16%.
2026 NII guidance set at GBP 14.9 billion, with margin expansion and continued balance sheet growth expected.
Cost-income ratio targeted below 50% in 2026, with operating expenses under GBP 9.9 billion.
Capital generation expected to exceed 200 basis points in 2026; CET1 ratio targeted at 13% by end of 2026.
Basel 3.1 implementation in 2027 expected to reduce RWAs by GBP 6–8 billion.
Gen AI: future strategic focus areas
Capital management beyond 2026 target
NII headwinds mitigation strategy
How will Gen AI drive revenue growth post-2026?
Basel 3.1 RWA relief: capital allocation plan?
Mortgage market: sustain profitability amid competition?
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Next Lloyds Banking Group earnings date
Q1 202629 Apr, 2026
Lloyds Banking Group
Next Lloyds Banking Group earnings date
Q1 202629 Apr, 2026
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Frequently asked questions
Lloyds Banking Group plc is a prominent UK-based financial services provider offering a broad range of banking and financial services. The company operates in three main segments: Retail, Commercial Banking, and Insurance, Pensions and Investments. The Retail segment caters to personal customers with products such as current accounts, savings, mortgages, motor finance, and credit cards. The Commercial Banking segment serves small and medium-sized enterprises, corporates, and institutions with services like lending, transactional banking, and risk management. The Insurance, Pensions, and Investments segment provides related financial products and services. Lloyds Banking Group manages various well-known brands including Lloyds Bank, Halifax, Bank of Scotland, and Scottish Widows, distributing its services through branches, ATMs, and digital platforms. The company is headquartered in London, England, and its shares are listed on the London Stock Exchange.
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