Lloyds Banking Group

Lloyds Banking Group's capital adequacy ratio rose 8.02% to 22.9% in 2018

By Helgi Analytics - December 22, 2019

Lloyds Banking Group's capital adequacy ratio reached 22.9% at the end of 2018, up from 21.2% compared to the previous year. ...

Lloyds Banking Group's net profit rose 24.4% to GBP 4,302 mil in 2018

By Helgi Analytics - December 22, 2019

Lloyds Banking Group made a net profit of GBP 4,302 mil under revenues of GBP 20,003 mil in 2018, up 24.4% and -0.160% respectively c...

Lloyds Banking Group's npls (as % of loans) fell 25.1% to 1.28% in 2018

By Helgi Analytics - December 22, 2019

Lloyds Banking Group's non-performing loans reached 1.28% of total loans at the end of 2018, down from 1.71% compared to the prev...

Profit Statement 2016 2017 2018
Net Interest Income GBP mil 9,274 10,912 13,396
Net Fee Income GBP mil 1,689 1,583 1,462
Other Income GBP mil 7,661 7,540 5,145
Total Revenues GBP mil 18,624 20,035 20,003
Operating Profit GBP mil 6,752 8,030 9,203
Provisions GBP mil 752 688 937
Net Profit GBP mil 2,413 3,457 4,302
Balance Sheet 2016 2017 2018
Interbank Loans GBP mil 35,202 23,443 46,766
Customer Loans GBP mil 449,658 455,666 444,375
Debt Securities GBP mil 216,137 213,458 193,344
Total Assets GBP mil 817,793 812,109 797,598
Shareholders' Equity GBP mil 48,815 49,143 50,199
Interbank Borrowing GBP mil 18,884 36,945 36,146
Customer Deposits GBP mil 412,960 415,486 416,248
Issued Debt Securities GBP mil 96,145 85,869 104,816
Ratios 2016 2017 2018
ROE % 5.04 7.06 8.66
ROA % 0.297 0.424 0.535
Costs (As % Of Assets) % 1.46 1.47 1.34
Costs (As % Of Income) % 63.7 59.9 54.0
Capital Adequacy Ratio % 21.4 21.2 22.9
Net Interest Margin % 1.14 1.34 1.66
Loans (As % Of Deposits) % 109 110 107
NPLs (As % Of Loans) % 1.88 1.71 1.28
Provisions (As % Of NPLs) % 28.4 28.1 54.9
Valuation 2016 2017 2018
Market Capitalisation (End Of Period) USD mil 54,949 66,186 46,835
Share Price (End Of Period) GBP 0.620 0.677 0.510
Price/Earnings (P/E) 18.5 14.2 8.58
Price/Book Value (P/BV) 0.915 0.997 0.735
Dividend Yield % 5.68 4.66 6.07
Earnings Per Share (EPS) 0.034 0.048 0.060
Book Value Per Share 0.678 0.679 0.695
Dividend Per Share 0.035 0.032 0.031

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summary Unit 1995 1996 1997 1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018
income statement                                                
Net Interest Income GBP mil                                   7,718 7,338 10,660 11,318 9,274    
Total Revenues GBP mil                                   21,933 19,820 17,769 18,866 18,624    
Operating Profit GBP mil                                   4,408 6,019 4,560 4,340 6,752    
Net Profit GBP mil                                   -1,471 -838 1,412 860 2,413    
balance sheet                                                
Interbank Loans GBP mil                                   32,757 25,365 26,155 25,117 35,202    
Customer Loans GBP mil                                   517,225 495,281 482,704 455,175 449,658    
Debt Securities GBP mil                                   209,472 198,213 218,993 202,163 216,137    
Total Assets GBP mil                                   934,221 847,030 854,896 806,688 817,793    
Shareholders' Equity GBP mil                                   42,581 39,336 49,903 46,980 48,815    
Interbank Borrowing GBP mil                                   38,405 13,982 10,887 16,925 18,884    
Customer Deposits GBP mil                                   426,912 441,311 447,067 418,326 412,960    
Issued Debt Securities GBP mil                                   151,345 119,414 102,275 105,368 96,145    
ratios                                                
ROE %                                   -3.30 -2.05 3.16 1.78 5.04    
ROA %                                   -0.154 -0.094 0.166 0.104 0.297    
Costs (As % Of Assets) %                                   1.84 1.55 1.55 1.75 1.46    
Costs (As % Of Income) %                                   79.9 69.6 74.3 77.0 63.7    
Capital Adequacy Ratio %                                   17.3 20.8 22.0 21.5 21.4    
Net Interest Margin %                                   0.810 0.824 1.25 1.36 1.14    
Interest Income (As % Of Revenues) %                                   35.2 37.0 60.0 60.0 49.8    
Fee Income (As % Of Revenues) %                                   14.6 13.8 12.7 9.59 9.07    
Equity (As % Of Assets) %                                   4.56 4.64 5.84 5.82 5.97    
Loans (As % Of Deposits) %                                   121 112 108 109 109    
Loans (As % Assets) %                                   55.4 58.5 56.5 56.4 55.0    
NPLs (As % Of Loans) %                                   8.69 6.36 2.93 2.09 1.88    
Provisions (As % Of NPLs) %                                   32.9 37.1 44.8 31.6 28.4    
valuation                                                
Market Capitalisation (End Of Period) USD mil                                   54,814 93,372 84,427 77,373 54,949    
Number Of Shares (Average) mil                                   69,841 71,009 72,447 72,340 72,024    
Share Price (End Of Period) GBP                                   0.483 0.794 0.748 0.722 0.620    
Earnings Per Share (EPS)                                   -0.021 -0.012 0.019 0.012 0.034    
Book Value Per Share                                   0.610 0.554 0.689 0.649 0.678    
Dividend Per Share                                   0 0 0.007 0.032 0.035    
Price/Earnings (P/E)                               ... ... ... ... 38.4 60.7 18.5    
Price/Book Value (P/BV)                                   0.792 1.43 1.09 1.11 0.915    
Dividend Yield %                                   0 0 0.988 4.45 5.68    
Earnings Per Share Growth % ...                                 -48.3 -44.0 -265 -39.0 182    
Book Value Per Share Growth % ...                                 -10.4 -9.14 24.3 -5.72 4.36    
income statement Unit 1995 1996 1997 1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018
income statement                                                
Interest Income GBP mil                                   23,548 21,163 19,211 17,615 16,620    
Interest Cost GBP mil                                   15,830 13,825 8,551 6,297 7,346    
Net Interest Income GBP mil                                   7,718 7,338 10,660 11,318 9,274    
Net Fee Income GBP mil                                   3,206 2,734 2,257 1,810 1,689    
Other Income GBP mil                                   11,009 9,748 4,852 5,738 7,661    
Total Revenues GBP mil                                   21,933 19,820 17,769 18,866 18,624    
Operating Cost GBP mil                                   17,525 13,801 13,209 14,526 11,872    
Operating Profit GBP mil                                   4,408 6,019 4,560 4,340 6,752    
Provisions GBP mil                                   5,149 2,741 752 390 752    
Extra and Other Cost GBP mil                                   -135 2,863 2,046 2,306 1,762    
Pre-Tax Profit GBP mil                                   -606 415 1,762 1,644 4,238    
Tax GBP mil                                   781 1,217 263 688 1,724    
Minorities GBP mil                                   84.0 36.0 87.0 96.0 101    
Net Profit GBP mil                                   -1,471 -838 1,412 860 2,413    
Dividends GBP mil                                   0 0 535 2,322 2,537    
growth rates                                                
Net Interest Income Growth % ...                                 -39.2 -4.92 45.3 6.17 -18.1    
Net Fee Income Growth % ...                                 -9.54 -14.7 -17.4 -19.8 -6.69    
Total Revenue Growth % ...                                 -1.03 -9.63 -10.3 6.17 -1.28    
Operating Cost Growth % ...                                 103 -21.2 -4.29 9.97 -18.3    
Operating Profit Growth % ...                                 -67.4 36.5 -24.2 -4.82 55.6    
Pre-Tax Profit Growth % ...                                 -82.9 -168 325 -6.70 158    
Net Profit Growth % ...                                 -47.2 -43.0 -268 -39.1 181    
balance sheet Unit 1995 1996 1997 1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018
balance sheet                                                
Cash GBP mil                                   81,554 50,922 51,665 59,114 48,158    
Interbank Loans GBP mil                                   32,757 25,365 26,155 25,117 35,202    
Customer Loans GBP mil                                   517,225 495,281 482,704 455,175 449,658    
Mortgage Loans GBP mil ... ... ... ... ... ... ... ... ... ... ... ... ... ...       337,879 335,611 333,318 312,877 306,682    
Consumer Loans GBP mil ... ... ... ... ... ... ... ... ... ... ... ... ... ...       78,921 70,401 70,726 66,214 72,522    
Corporate Loans GBP mil ...                                 103,864 91,710 74,658 66,830 66,921    
Debt Securities GBP mil                                   209,472 198,213 218,993 202,163 216,137    
Fixed Assets GBP mil                                   12,150 11,865 12,138 16,833 16,669    
Total Assets GBP mil                                   934,221 847,030 854,896 806,688 817,793    
Shareholders' Equity GBP mil                                   42,581 39,336 49,903 46,980 48,815    
Of Which Minority Interest GBP mil                                   685 347 1,213 391 440    
Liabilities GBP mil                                   891,640 807,694 804,993 759,708 768,978    
Interbank Borrowing GBP mil                                   38,405 13,982 10,887 16,925 18,884    
Customer Deposits GBP mil                                   426,912 441,311 447,067 418,326 412,960    
Sight Deposits GBP mil                                   36,909 40,802 46,487 48,518 61,804    
Term Deposits GBP mil                                   390,003 400,509 400,580 369,808 351,156    
Issued Debt Securities GBP mil                                   151,345 119,414 102,275 105,368 96,145    
Other Liabilities GBP mil                                   274,978 232,987 244,764 219,089 240,989    
asset quality                                                
Non-Performing Loans GBP mil                                   46,293 32,259 14,308 9,590 8,495    
Gross Loans GBP mil                                   532,475 507,247 489,118 458,208 452,070    
Provisions GBP mil                                   5,149 2,741 752 390 752    
growth rates                                                
Customer Loan Growth % ...                                 -8.56 -4.24 -2.54 -5.70 -1.21    
Retail Loan Growth % ...                                 -6.16 -2.59 -0.485 -6.18 0.030    
Mortgage Loan Growth % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...     -2.97 -0.671 -0.683 -6.13 -1.98    
Consumer Loan Growth % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...     -17.8 -10.8 0.462 -6.38 9.53    
Corporate Loan Growth % ... ...                               -18.0 -11.7 -18.6 -10.5 0.136    
Total Asset Growth % ...                                 -3.74 -9.33 0.929 -5.64 1.38    
Shareholders' Equity Growth % ...                                 -8.61 -7.62 26.9 -5.86 3.91    
Customer Deposit Growth % ...                                 3.14 3.37 1.30 -6.43 -1.28    
ratios Unit 1995 1996 1997 1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018
ratios                                                
ROE %                                   -3.30 -2.05 3.16 1.78 5.04    
ROA %                                   -0.154 -0.094 0.166 0.104 0.297    
Costs (As % Of Assets) %                                   1.84 1.55 1.55 1.75 1.46    
Costs (As % Of Income) %                                   79.9 69.6 74.3 77.0 63.7    
Capital Adequacy Ratio %                                   17.3 20.8 22.0 21.5 21.4    
Tier 1 Ratio %                                   13.8 14.5 16.5 16.4 17.0    
Net Interest Margin %                                   0.810 0.824 1.25 1.36 1.14    
Interest Spread % ...                                 0.729 0.749 1.20 1.32 1.09    
Asset Yield %                                   2.47 2.38 2.26 2.12 2.05    
Cost Of Liabilities % ...                                 1.74 1.63 1.06 0.805 0.961    
Payout Ratio %                                   76.3 86.6 76.6 75.7 75.4    
Interest Income (As % Of Revenues) %                                   35.2 37.0 60.0 60.0 49.8    
Fee Income (As % Of Revenues) %                                   14.6 13.8 12.7 9.59 9.07    
Other Income (As % Of Revenues) %                                   50.2 49.2 27.3 30.4 41.1    
Equity (As % Of Assets) %                                   4.56 4.64 5.84 5.82 5.97    
Loans (As % Of Deposits) %                                   121 112 108 109 109    
Loans (As % Assets) %                                   55.4 58.5 56.5 56.4 55.0    
NPLs (As % Of Loans) %                                   8.69 6.36 2.93 2.09 1.88    
Provisions (As % Of NPLs) %                                   32.9 37.1 44.8 31.6 28.4    
Provisions (As % Of Loans) %                                   2.95 2.42 1.33 0.666 0.536    
Cost of Provisions (As % Of Loans) %                                   0.951 0.541 0.154 0.083 0.166    
other data Unit 1995 1996 1997 1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018
other data                                                
Employees                                   92,788 88,977 84,490 75,306 80,418    
Sight (As % Of Customer Deposits) %                                   8.65 9.25 10.4 11.6 15.0    

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Lloyds Banking Group's net interest income rose 22.8% to GBP 13,396 mil in 2018

By Helgi Analytics - December 22, 2019

Lloyds Banking Group generated total banking revenues of GBP 20,003 mil in 2018, down 0.16% compared to the previous year. Historically, the bank’s revenues containing of interest, fee and other non-interest income reached an all time high of GBP 26,638 mil in ...

Lloyds Banking Group's share price (end of period) fell 24.6% to GBP 0.510 in 2018

By Helgi Analytics - December 22, 2019

Lloyds Banking Group stock traded at GBP 0.510 per share at the end of 2018 implying a market capitalization of USD 46,835 mil. Since the end of 2013, the stock has appreciated by % implying an annual average growth of 0 %. In absolute terms, the value of the company...

Lloyds Banking Group's price/earnings (P/E) fell 39.5% to 8.58 in 2018

By Helgi Analytics - December 22, 2019

Lloyds Banking Group stock traded at GBP 0.510 per share at the end 2018 implying a market capitalization of USD 46,835 mil. Since the end of 2013, the stock has appreciated by % implying an annual average growth of 0 %. In absolute terms, the value of the company ...

Lloyds Banking Group's net interest margin rose 24.3% to 1.66% in 2018

By Helgi Analytics - December 22, 2019

Lloyds Banking Group's net interest margin amounted to 1.66% in 2018, up from 1.34% compared to the previous year. Historically, the bank’s net interest margin reached an all time high of 2.78% in 1999 and an all time low of 0.810% in 2012. The average ...

Lloyds Banking Group's corporate loans fell 46.0% to GBP 35,888 mil in 2018

By Helgi Analytics - December 22, 2019

Lloyds Banking Group's loans reached GBP 447,525 mil in the 2018, down from GBP 457,867 mil compared to the previous year. Historically, the bank’s loans reached an all time high of GBP 641,770 mil in 2009 and an all time low of GBP 447,525 mil in 2018. ...

Lloyds Banking Group's customer loan growth fell 285% to -2.48% in 2018

By Helgi Analytics - December 22, 2019

Lloyds Banking Group's customer loan growth reached -2.48% in 2018, down from 1.34% compared to the previous year. Historically, the bank’s loans growth reached an all time high of 161% in 2009 and an all time low of -8.56% in 2012. In the last decade, th...

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