Company: LLOBF
Filing Date: 2025-07-24
Form Type: 6-K
Source: 0001654954-25-008460
Chunk: 45

Company: Lloyds Banking Group plc
Filing Date: 2025-07-24
Form: 6-K
Chunk 45
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 |     0.0 |            |     |                 0.0 |     |            |    0.0 |     |            |   0.3 |     |       |     0.0 |
| Total (%)                                         |           100.0 |     |            |  100.0 |     |            | 100.0 |     |       |   100.0 |            |     |               100.0 |     |            |  100.0 |     |            | 100.0 |     |       |   100.0 |
| Average loan to value3                            |                 |     |            |        |     |            |       |     |       |         |            |     |                     |     |            |        |     |            |       |     |       |         |
| Stock                                             
 of residential mortgages (%)                      |            43.4 |     |            |   47.2 |     |            |  32.2 |     |       |    43.8 |            |     |                43.2 |     |            |   47.3 |     |            |  32.9 |     |       |    43.6 |
| New                                               
 residential lending in the period (%)             |            65.0 |     |            |   57.7 |     |            |   n/a |     |       |    64.3 |            |     |                64.1 |     |            |   56.4 |     |            |   n/a |     |       |    63.2 |

1 Excluding repossessions.

2 Value of loans represents gross book value excluding the impact of HBOS acquisition adjustments of mortgages more than three months in arrears. These accounts are a subset of total Stage 3 given the exclusion of accounts in possession and those meeting other Stage 3 criteria.

3 Average loan to value is calculated as total loans and advances as a percentage of the total indexed collateral of these loans and advances.

CREDIT RISK (continued)

Credit cards

● Credit cards balances increased to £17.0 billion (31 December 2024: £16.2 billion), due to higher demand for new cards and increased customer spending

● The credit card portfolio is a prime book, with new to arrears continuing to decline and repayment rates remaining strong

● The impairment charge of £200