Company: LLOBF
Filing Date: 2025-07-24
Form Type: 6-K
Source: 0001654954-25-008460
Chunk: 23

Company: Lloyds Banking Group plc
Filing Date: 2025-07-24
Form: 6-K
Chunk 23
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                        |    0.14% |     |            |    0.17% |              |     |        |     |             |         |     |    0.15% |
| Underlying loans and advances to customers3 | £371.5bn |     |            |  £87.6bn |              |     |      - |     |             |       - |     | £459.1bn |
| Customer deposits                           | £319.7bn |     |            | £162.6bn |              |     |      - |     |             |  £0.4bn |     | £482.7bn |
| Risk-weighted assets                        | £125.1bn |     |            |  £73.8bn |              |     | £0.4bn |     |             | £25.3bn |     | £224.6bn |

1 In the half-year to 30 June 2025, for segment reporting, the Group revised its allocation methodology. Certain divisional variable payment related costs are now included within underlying other income; comparative figures have been represented on a consistent basis. Total Group figures are unaffected by this change.

2 In the half-year to 30 June 2025, the Group revised its capital transfer pricing methodology; comparative segmental banking net interest margin has been represented on a consistent basis. The Group banking net interest margin is unaffected by this change.

3 Equity Investments and Central Items includes central fair value hedge accounting adjustments.

DIVISIONAL RESULTS (continued)

#### Retail
Retail offers a broad range of financial services products to personal customers, including current accounts, savings, mortgages, credit cards, unsecured loans, motor finance and leasing solutions. Its aim is to build enduring relationships meeting more of its customers' financial needs and improve their financial resilience throughout their lifetime. Retail operates the largest digital bank in the UK and improves digital experience through a mobile-first strategy, delivering market-leading products and meeting consumer duty expectations whilst working within a prudent risk appetite. Additionally, Retail has a growing mortgages and savings focused European business. Through strategic investment and increased use of data, Retail aims to deepen consumer relationships, deliver personalised propositions, broaden its intermediary offering, improve customer experience and increase operational efficiency.

Strategic progress

● Launched Lloyds Premier to attract, retain and deepen relationships with Mass Affluent customers; benefits include exclusive product rates and cashback, an enhanced digital experience and digital family GP subscription

● UK's largest digital bank with 20