Company: LLOBF
Filing Date: 2025-07-24
Form Type: 6-K
Source: 0001160106-25-000034
Chunk: 10

Company: Lloyds Banking Group plc
Filing Date: 2025-07-24
Form: 6-K
Chunk 10
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10.1 billion , with growth across Retail products including £ 5.6 billion in UK mortgages driven by strong demand in the first quarter and growth across UK Retail unsecured loans, credit cards, UK Motor Finance and the European retail business • Customer deposits of £323.4 billion, up £ 3.7 billion with inflows to limited withdrawal and fixed term Savings products, including a strong performance throughout the ISA season, partly offset by a reduction in current account balances driven by continued flows to savings including ISAs • Risk-weighted assets up 2% in the first half, given strong lending growth, partly offset by optimisation activity 1 Bank of England ISA market data and Lloyds Banking Group ISA balance uplift March 2025 to May 2025

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

DIVISIONAL RESULTS (continued) Retail (continued) Retail performance summary

|                                                       | Half-yearto30 Jun2025£m |     | Half-yearto30 Jun2024£m |     | Change% |     | Half-yearto31 Dec2024£m |     | Change% |
| Underlying net interest income                        |                   4,709 |     |                   4,430 |     |       6 |     |                   4,500 |     |       5 |
| Underlying other income1                              |                   1,276 |     |                   1,133 |     |      13 |     |                   1,221 |     |       5 |
| Operating lease depreciation                          |                    -706 |     |                    -677 |     |      -4 |     |                    -642 |     |     -10 |
| Underlying income, net of operating leasedepreciation |                   5,279 |     |                   4,886 |     |       8 |     |                   5,079 |     |       4 |
| Underlying operating costs1                           |                  -2,922 |     |                  -2,763 |     |      -6 |     |                  -2,803 |     |      -4 |
| Remediation                                           |                     -41 |     |                     -54 |     |      24 |     |                    -696 |     |      94 |
| Total underlying costs                                |                  -2,963 |     |                  -2,817 |     |      -5 |