Company: LLOBF
Filing Date: 2025-10-23
Form Type: 6-K
Source: 0001160106-25-000041
Chunk: 7

Company: Lloyds Banking Group plc
Filing Date: 2025-10-23
Form: 6-K
Chunk 7
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2024: 14.2% ). Banking business profits for the first nine months of the year, after a provision charge for motor finance commission arrangements, and the dividends received from the Group’s Insurance business were more than offset by the recognition of the full capital impact of the ongoing ordinary share buyback programme, the accrual for foreseeable ordinary dividends, the payment of the interim ordinary dividend in September 2025, distributions on other equity instruments and an increase in risk-weighted assets. The Group’s total capital ratio reduced to 18.6% at 30 September 2025 (31 December 2024: 19.0% ). The increase in CET1 capital and the issuance of new AT1 and tier 2 capital instruments during the period was more than offset by AT1 and tier 2 instrument calls, other tier 2 movements and the increase in risk-weighted assets. The MREL ratio reduced to 31.2% at 30 September 2025 (31 December 2024: 32.2% ) with the increase in other eligible liabilities more than offset by the reduction in total capital resources after adjustments and the increase in risk-weighted assets. Risk-weighted assets increased by £7,625 million to £232,257 million at 30 September 2025 (31 December 2024: £224,632 million ). This reflects the impact of strong lending growth and other movements, partially offset through continued optimisation activity. The Group’s UK leverage ratio reduced to 5.2% at 30 September 2025 (31 December 2024: 5.5% ), reflecting the reduction in tier 1 capital and an increase in the leverage exposure measure. The latter primarily reflects increases across loans and advances and other assets, due in part to strong lending growth, in addition to an increase in off- balance sheet items.

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ADDITIONAL FINANCIAL INFORMATION 1. Basis of presentation This release covers the results of Lloyds Banking Group plc together with its subsidiaries (the Group) for the nine months ended 30 September 2025 . The Group’s Q3 2025 Interim Pillar 3 Disclosures can be found at: www.lloydsbankinggroup.com/investors/ financial-downloads.html. Accounting policies The accounting policies are consistent with those applied by the Group in its 2024 Annual Report on Form 20-F. 2. Loans and advances to customers and expected credit loss allowance

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