Company: LLOBF
Filing Date: 2025-06-06
Form Type: F-3ASR
Source: 0000950103-25-007096
Chunk: 95

Company: Lloyds Banking Group plc
Filing Date: 2025-06-06
Form: F-3ASR
Chunk 95
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 risks associated with the Lloyds Bank Group’s compliance with a wide range of
laws and regulations; assessment related to resolution planning requirements; risks related to regulatory actions which may be taken in
the event of a bank or Lloyds Bank Group or Lloyds Banking Group failure; exposure to legal, regulatory or competition proceedings, investigations
or complaints; failure to comply with anti-money laundering, counter terrorist financing, anti-bribery and sanctions regulations; failure
to prevent or detect any illegal or improper activities; operational risks including risks as a result of the failure of third party suppliers;
conduct risk; technological changes and risks to the security of IT and operational infrastructure, systems, data and information resulting
from increased threat of cyber and other attacks; technological failure; inadequate or failed internal or external processes or systems;
risks relating to ESG matters, such as climate change (and achieving climate change ambitions) and decarbonization, including the Lloyds
Bank Group’s or the Lloyds Banking Group’s ability along with the government and other stakeholders to measure, manage and
mitigate the impacts of climate change effectively, and human rights issues; the impact of competitive conditions; failure to attract,
retain and develop high caliber talent; the ability to achieve strategic objectives; the ability to derive cost savings and other benefits
including, but without limitation, as a result of any acquisitions, disposals and other strategic transactions; inability to capture accurately
the expected value from acquisitions; and assumptions and estimates that form the basis of the Lloyds Bank Group’s financial statements.
A number of these influences and factors are beyond the Lloyds Bank Group’s control.

Other factors could also adversely affect our
results or the accuracy of forward-looking statements in this prospectus, and you should not consider the factors discussed here or in
Lloyds Bank’s Form 20-F filed on February 27, 2025 or other documents incorporated by reference herein to be a complete set of
all potential risks or uncertainties. We have economic, financial market, credit, legal and other specialists who monitor economic and
market conditions and government policies and actions. However, because it is difficult to predict with accuracy any changes in economic
or market conditions or in governmental policies and actions, it is difficult for us to anticipate the effects that such changes could
have on our financial performance and business operations.

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The forward-looking statements made in this prospectus
speak only as of the date of this prospectus. We