Company: LLOBF
Filing Date: 2025-07-24
Form Type: 6-K
Source: 0001160106-25-000034
Chunk: 16

Company: Lloyds Banking Group plc
Filing Date: 2025-07-24
Form: 6-K
Chunk 16
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 Group’s CET1 ratio through the payment of a £150 million interim dividend to Lloyds Banking Group, supported by a strong capital position with an estimated pre-dividend Insurance Solvency II ratio of 160% (154% after interim dividend) 3 • Credit asset portfolio strong, rated ‘A-’ on average. Diversified, with less than 2.5% of assets backing annuities being sub-investment grade or unrated. Strong liquidity position with c.£2.5 billion cash and cash equivalents 1 Home insurance Market Share information as per internal analysis of eBenchmarkers data, Protection as per the ABI. Shares reflect information at 31 March 2025. 2 Includes a range of funds with a bias towards investing in companies that are reducing the carbon intensity of their businesses and/or are developing climate solutions. 3 Equivalent estimated regulatory view of ratio (including With-Profits funds and post dividend where applicable) was 148% (31 March 2025: 150%; 31 December 2024: 148%, post-February 2025 dividend).

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| LLOYDS BANKING GROUP PLC | 2025HALF-YEAR RESULTS |

DIVISIONAL RESULTS (continued) Insurance, Pensions and Investments (continued) Insurance , Pensions and Investments performance summary

|                                | Half-yearto 30 Jun2025£m |     | Half-yearto 30 Jun2024£m |     | Change% |     | Half-yearto 31 Dec2024£m |     | Change% |
| Underlying net interest income |                      -78 |     |                      -74 |     |      -5 |     |                      -62 |     |     -26 |
| Underlying other income        |                      689 |     |                      649 |     |       6 |     |                      643 |     |       7 |
| Underlying income              |                      611 |     |                      575 |     |       6 |     |                      581 |     |       5 |
| Underlying operating costs     |                     -466 |     |                     -458 |     |      -2 |     |                     -466 |     |         |
| Remediation                    |                       -2 |     |                       -5 |     |      60 |     |                      -14 |     |      86 |
| Total underlying costs         |                     -468 |     |