Company: LLOBF
Filing Date: 2025-07-24
Form Type: 6-K
Source: 0001654954-25-008460
Chunk: 22

Company: Lloyds Banking Group plc
Filing Date: 2025-07-24
Form: 6-K
Chunk 22
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     |        |     |             |         |     |    2.94% |
| Average interest-earning banking assetsA      | £367.0bn |     |            |  £82.2bn |              |     |        |     |             |         |     | £449.2bn |
| Asset quality ratioA                          |    0.11% |     |            |  (0.17)% |              |     |        |     |             |         |     |    0.05% |
| Underlying loans and advances to customersA,1 | £365.1bn |     |            |  £88.1bn |              |     |      - |     |             | -£0.8bn |     | £452.4bn |
| Customer deposits                             | £313.3bn |     |            | £161.2bn |              |     |      - |     |             |  £0.2bn |     | £474.7bn |
| Risk-weighted assets                          | £123.3bn |     |            |  £73.2bn |              |     | £0.2bn |     |             | £25.3bn |     | £222.0bn |

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

2 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.

3 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.

DIVISIONAL RESULTS (continued)

Segmental analysis - underlying basis A (continued)

| Half-year to 31 December 2024               |   Retail 
       £m |     | Commercial 
 Banking    
 £m         |          | Insurance,   
 Pensions and 
 Investments  
 £m           |     |        |     | Equity      
 Investments 
 and Central 
 Items       
 £m          |         |     |    Group 
       £m |
| Underlying net interest income              |    4,500 |     |            |    1,738 |              |     |    -62 |     |