Company: LLOBF
Filing Date: 2025-07-24
Form Type: 6-K
Source: 0001654954-25-008460
Chunk: 17

Company: Lloyds Banking Group plc
Filing Date: 2025-07-24
Form: 6-K
Chunk 17
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.3bn   |     |      5 |     | £31.3bn   |     |     -2 |
| of which: money market funding <1 year           
 maturity1                                        | £22.1bn   |     | £20.3bn   |     |      9 |     | £16.9bn   |     |     31 |
| Liquidity coverage ratio - eligible assets2      | £131.8bn  |     | £133.1bn  |     |     -1 |     | £134.4bn  |     |     -2 |
| Liquidity coverage ratio3                        | 145%      |     | 145%      |     |        |     | 146%      |     |  (1)pp |
| Net stable funding ratio4                        | 127%      |     | 128%      |     |   -1pp |     | 129%      |     |  (2)pp |
| Total underlying expected credit loss allowanceA | £3,545m   |     | £3,744m   |     |     -5 |     | £3,651m   |     |     -3 |

1 Excludes balances relating to margins of £1.1 billion (31 December 2024: £2.8 billion, 31 March 2025: £1.4 billion).

2 Eligible assets are calculated as a monthly rolling simple average of month end observations over the previous 12 months post any liquidity haircuts.

3 The liquidity coverage ratio is calculated as a simple average of month-end observations over the previous 12 months.

4 The net stable funding ratio is calculated as a simple average of month-end observations over the previous four quarter-ends.

The Group saw strong lending growth in the first half of 2025, with underlying loans and advances to customers increasing by £11.9 billion since the end of 2024, to £471.0 billion. This included growth of £5.6 billion in UK mortgages and growth across UK Retail unsecured loans, credit cards, UK Motor Finance and the European retail business. Lending balances increased by £1.2 billion in Commercial Banking, with growth in Institutional balances partly offset by repayments of £0.8 billion of government-backed lending. Underlying loans and advances increased by £4.8 billion in the second quarter, with growth across Retail portfolios, including UK mortgages and the European retail business, alongside increased