Company summary
Lloyds Banking Group is the UK's largest domestic retail banking group, with brands including Lloyds, Halifax, Bank of Scotland and Scottish Widows. Its earnings are closely tied to the UK consumer, housing and business economy.
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LLOY
Lloyds Banking Group
Banks
- Index
- FTSE 100
- ISIN
- Not specified
- Book status
- 2026 edition — current
Key activities
Current accounts, savings, mortgages, personal and business lending, credit cards, commercial banking, motor finance, insurance, pensions and wealth products.
Key markets
Almost entirely the United Kingdom, serving households, SMEs and larger businesses and holding a particularly large share of the mortgage and deposit markets.
Key drivers
Net interest margin, interest rates, mortgage and deposit volumes, credit quality, fee income, cost reduction, digital and AI investment and shareholder capital returns.
Key risks
UK recession or housing weakness, credit losses, interest-rate changes, motor-finance and conduct redress, regulation, cyber risk and pressure on margins from competition for deposits and loans.
Recent Developments
30 July 2026: first-half pre-tax profit rose 23% to £4.3bn. Lloyds increased the interim dividend 30% to 1.58p, announced a £1bn buyback and outlined its Accelerate 2030 programme, targeting substantial additional savings through technology and AI.
Dividend notes
Pays interim and final dividends alongside buybacks. The 2025 final dividend of 2.43p went ex-dividend on 9 April 2026 and was paid on 19 May. The 2026 interim dividend is 1.58p, went ex-dividend on 6 August and is payable on 15 September.
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