By Helgi Library - December 22, 2019
Lloyds Banking Group's capital adequacy ratio reached 22.9% at the end of 2018, up from 21.2% compared to the previous year. ...
By Helgi Library - December 22, 2019
Lloyds Banking Group made a net profit of GBP 4,302 mil under revenues of GBP 20,003 mil in 2018, up 24.4% and -0.160% respectively c...
By Helgi Library - December 22, 2019
Lloyds Banking Group made a net profit of GBP 4,302 mil under revenues of GBP 20,003 mil in 2018, up 24.4% and -0.160% respectively c...
| Profit Statement | 2016 | 2017 | 2018 | |
| Net Interest Income | GBP mil | 9,274 | 10,912 | 13,396 |
| Net Fee Income | GBP mil | 1,689 | 1,583 | 1,462 |
| Other Income | GBP mil | 7,661 | 7,540 | 5,145 |
| Total Revenues | GBP mil | 18,624 | 20,035 | 20,003 |
| Operating Profit | GBP mil | 6,752 | 8,030 | 9,203 |
| Provisions | GBP mil | 752 | 688 | 937 |
| Net Profit | GBP mil | 2,413 | 3,457 | 4,302 |
| Balance Sheet | 2016 | 2017 | 2018 | |
| Interbank Loans | GBP mil | 35,202 | 23,443 | 46,766 |
| Customer Loans | GBP mil | 449,658 | 455,666 | 444,375 |
| Total Assets | GBP mil | 817,793 | 812,109 | 797,598 |
| Shareholders' Equity | GBP mil | 48,815 | 49,143 | 50,199 |
| Interbank Borrowing | GBP mil | 18,884 | 36,945 | 36,146 |
| Customer Deposits | GBP mil | 412,960 | 415,486 | 416,248 |
| Issued Debt Securities | GBP mil | 96,145 | 85,869 | 104,816 |
| Ratios | 2016 | 2017 | 2018 | |
| ROE | % | 5.04 | 7.06 | 8.66 |
| ROA | % | 0.297 | 0.424 | 0.535 |
| Costs (As % Of Assets) | % | 1.46 | 1.47 | 1.34 |
| Costs (As % Of Income) | % | 63.7 | 59.9 | 54.0 |
| Capital Adequacy Ratio | % | 21.4 | 21.2 | 22.9 |
| Net Interest Margin | % | 1.14 | 1.34 | 1.66 |
| Loans (As % Of Deposits) | % | 109 | 110 | 107 |
| NPLs (As % Of Loans) | % | 1.88 | 1.71 | 1.28 |
| Provisions (As % Of NPLs) | % | 28.4 | 28.1 | 54.9 |
| Valuation | 2016 | 2017 | 2018 | |
| Price/Earnings (P/E) | 18.5 | 14.2 | 8.58 | |
| Price/Book Value (P/BV) | 0.915 | 0.997 | 0.735 | |
| Dividend Yield | % | 5.68 | 4.66 | 6.07 |
| Earnings Per Share (EPS) | 0.034 | 0.048 | 0.060 | |
| Book Value Per Share | 0.678 | 0.679 | 0.695 | |
| Dividend Per Share | 0.035 | 0.032 | 0.031 | |
Get all company financials in excel:
| summary | Unit | 1995 | 1996 | 1997 | 1998 | 1999 | 2000 | 2001 | 2002 | 2003 | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 |
| income statement | |||||||||||||||||||||||||
| Net Interest Income | GBP mil | 7,718 | 7,338 | 10,660 | 11,318 | 9,274 | |||||||||||||||||||
| Total Revenues | GBP mil | 21,933 | 19,820 | 17,769 | 18,866 | 18,624 | |||||||||||||||||||
| Operating Profit | GBP mil | 4,408 | 6,019 | 4,560 | 4,340 | 6,752 | |||||||||||||||||||
| Net Profit | GBP mil | -1,471 | -838 | 1,412 | 860 | 2,413 | |||||||||||||||||||
| balance sheet | |||||||||||||||||||||||||
| Interbank Loans | GBP mil | 32,757 | 25,365 | 26,155 | 25,117 | 35,202 | |||||||||||||||||||
| Customer Loans | GBP mil | 517,225 | 495,281 | 482,704 | 455,175 | 449,658 | |||||||||||||||||||
| Debt Securities | GBP mil | 209,472 | 198,213 | 218,993 | 202,163 | 216,137 | |||||||||||||||||||
| Total Assets | GBP mil | 934,221 | 847,030 | 854,896 | 806,688 | 817,793 | |||||||||||||||||||
| Shareholders' Equity | GBP mil | 42,581 | 39,336 | 49,903 | 46,980 | 48,815 | |||||||||||||||||||
| Interbank Borrowing | GBP mil | 38,405 | 13,982 | 10,887 | 16,925 | 18,884 | |||||||||||||||||||
| Customer Deposits | GBP mil | 426,912 | 441,311 | 447,067 | 418,326 | 412,960 | |||||||||||||||||||
| Issued Debt Securities | GBP mil | 151,345 | 119,414 | 102,275 | 105,368 | 96,145 | |||||||||||||||||||
| ratios | |||||||||||||||||||||||||
| ROE | % | -3.30 | -2.05 | 3.16 | 1.78 | 5.04 | |||||||||||||||||||
| ROA | % | -0.154 | -0.094 | 0.166 | 0.104 | 0.297 | |||||||||||||||||||
| Costs (As % Of Assets) | % | 1.84 | 1.55 | 1.55 | 1.75 | 1.46 | |||||||||||||||||||
| Costs (As % Of Income) | % | 79.9 | 69.6 | 74.3 | 77.0 | 63.7 | |||||||||||||||||||
| Capital Adequacy Ratio | % | 17.3 | 20.8 | 22.0 | 21.5 | 21.4 | |||||||||||||||||||
| Net Interest Margin | % | 0.810 | 0.824 | 1.25 | 1.36 | 1.14 | |||||||||||||||||||
| Interest Income (As % Of Revenues) | % | 35.2 | 37.0 | 60.0 | 60.0 | 49.8 | |||||||||||||||||||
| Fee Income (As % Of Revenues) | % | 14.6 | 13.8 | 12.7 | 9.59 | 9.07 | |||||||||||||||||||
| Equity (As % Of Assets) | % | 4.56 | 4.64 | 5.84 | 5.82 | 5.97 | |||||||||||||||||||
| Loans (As % Of Deposits) | % | 121 | 112 | 108 | 109 | 109 | |||||||||||||||||||
| Loans (As % Assets) | % | 55.4 | 58.5 | 56.5 | 56.4 | 55.0 | |||||||||||||||||||
| NPLs (As % Of Loans) | % | 8.69 | 6.36 | 2.93 | 2.09 | 1.88 | |||||||||||||||||||
| Provisions (As % Of NPLs) | % | 32.9 | 37.1 | 44.8 | 31.6 | 28.4 | |||||||||||||||||||
| valuation | |||||||||||||||||||||||||
| Market Capitalisation (End Of Period) | USD mil | 54,814 | 93,372 | 84,427 | 77,373 | 54,949 | |||||||||||||||||||
| Number Of Shares (Average) | mil | 69,841 | 71,009 | 72,447 | 72,340 | 72,024 | |||||||||||||||||||
| Share Price (End Of Period) | GBP | 0.483 | 0.794 | 0.748 | 0.722 | 0.620 | |||||||||||||||||||
| Earnings Per Share (EPS) | -0.021 | -0.012 | 0.019 | 0.012 | 0.034 | ||||||||||||||||||||
| Book Value Per Share | 0.610 | 0.554 | 0.689 | 0.649 | 0.678 | ||||||||||||||||||||
| Dividend Per Share | 0 | 0 | 0.007 | 0.032 | 0.035 | ||||||||||||||||||||
| Price/Earnings (P/E) | ... | ... | ... | ... | 38.4 | 60.7 | 18.5 | ||||||||||||||||||
| Price/Book Value (P/BV) | 0.792 | 1.43 | 1.09 | 1.11 | 0.915 | ||||||||||||||||||||
| Dividend Yield | % | 0 | 0 | 0.988 | 4.45 | 5.68 | |||||||||||||||||||
| Earnings Per Share Growth | % | ... | -48.3 | -44.0 | -265 | -39.0 | 182 | ||||||||||||||||||
| Book Value Per Share Growth | % | ... | -10.4 | -9.14 | 24.3 | -5.72 | 4.36 |
| income statement | Unit | 1995 | 1996 | 1997 | 1998 | 1999 | 2000 | 2001 | 2002 | 2003 | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 |
| income statement | |||||||||||||||||||||||||
| Interest Income | GBP mil | 23,548 | 21,163 | 19,211 | 17,615 | 16,620 | |||||||||||||||||||
| Interest Cost | GBP mil | 15,830 | 13,825 | 8,551 | 6,297 | 7,346 | |||||||||||||||||||
| Net Interest Income | GBP mil | 7,718 | 7,338 | 10,660 | 11,318 | 9,274 | |||||||||||||||||||
| Net Fee Income | GBP mil | 3,206 | 2,734 | 2,257 | 1,810 | 1,689 | |||||||||||||||||||
| Other Income | GBP mil | 11,009 | 9,748 | 4,852 | 5,738 | 7,661 | |||||||||||||||||||
| Total Revenues | GBP mil | 21,933 | 19,820 | 17,769 | 18,866 | 18,624 | |||||||||||||||||||
| Operating Cost | GBP mil | 17,525 | 13,801 | 13,209 | 14,526 | 11,872 | |||||||||||||||||||
| Operating Profit | GBP mil | 4,408 | 6,019 | 4,560 | 4,340 | 6,752 | |||||||||||||||||||
| Provisions | GBP mil | 5,149 | 2,741 | 752 | 390 | 752 | |||||||||||||||||||
| Extra and Other Cost | GBP mil | -135 | 2,863 | 2,046 | 2,306 | 1,762 | |||||||||||||||||||
| Pre-Tax Profit | GBP mil | -606 | 415 | 1,762 | 1,644 | 4,238 | |||||||||||||||||||
| Tax | GBP mil | 781 | 1,217 | 263 | 688 | 1,724 | |||||||||||||||||||
| Minorities | GBP mil | 84.0 | 36.0 | 87.0 | 96.0 | 101 | |||||||||||||||||||
| Net Profit | GBP mil | -1,471 | -838 | 1,412 | 860 | 2,413 | |||||||||||||||||||
| Dividends | GBP mil | 0 | 0 | 535 | 2,322 | 2,537 | |||||||||||||||||||
| growth rates | |||||||||||||||||||||||||
| Net Interest Income Growth | % | ... | -39.2 | -4.92 | 45.3 | 6.17 | -18.1 | ||||||||||||||||||
| Net Fee Income Growth | % | ... | -9.54 | -14.7 | -17.4 | -19.8 | -6.69 | ||||||||||||||||||
| Total Revenue Growth | % | ... | -1.03 | -9.63 | -10.3 | 6.17 | -1.28 | ||||||||||||||||||
| Operating Cost Growth | % | ... | 103 | -21.2 | -4.29 | 9.97 | -18.3 | ||||||||||||||||||
| Operating Profit Growth | % | ... | -67.4 | 36.5 | -24.2 | -4.82 | 55.6 | ||||||||||||||||||
| Pre-Tax Profit Growth | % | ... | -82.9 | -168 | 325 | -6.70 | 158 | ||||||||||||||||||
| Net Profit Growth | % | ... | -47.2 | -43.0 | -268 | -39.1 | 181 |
| balance sheet | Unit | 1995 | 1996 | 1997 | 1998 | 1999 | 2000 | 2001 | 2002 | 2003 | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 |
| balance sheet | |||||||||||||||||||||||||
| Cash | GBP mil | 81,554 | 50,922 | 51,665 | 59,114 | 48,158 | |||||||||||||||||||
| Interbank Loans | GBP mil | 32,757 | 25,365 | 26,155 | 25,117 | 35,202 | |||||||||||||||||||
| Customer Loans | GBP mil | 517,225 | 495,281 | 482,704 | 455,175 | 449,658 | |||||||||||||||||||
| Mortgage Loans | GBP mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 337,879 | 335,611 | 333,318 | 312,877 | 306,682 | |||||
| Consumer Loans | GBP mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 78,921 | 70,401 | 70,726 | 66,214 | 72,522 | |||||
| Corporate Loans | GBP mil | ... | 103,864 | 91,710 | 74,658 | 66,830 | 66,921 | ||||||||||||||||||
| Debt Securities | GBP mil | 209,472 | 198,213 | 218,993 | 202,163 | 216,137 | |||||||||||||||||||
| Fixed Assets | GBP mil | 12,150 | 11,865 | 12,138 | 16,833 | 16,669 | |||||||||||||||||||
| Total Assets | GBP mil | 934,221 | 847,030 | 854,896 | 806,688 | 817,793 | |||||||||||||||||||
| Shareholders' Equity | GBP mil | 42,581 | 39,336 | 49,903 | 46,980 | 48,815 | |||||||||||||||||||
| Of Which Minority Interest | GBP mil | 685 | 347 | 1,213 | 391 | 440 | |||||||||||||||||||
| Liabilities | GBP mil | 891,640 | 807,694 | 804,993 | 759,708 | 768,978 | |||||||||||||||||||
| Interbank Borrowing | GBP mil | 38,405 | 13,982 | 10,887 | 16,925 | 18,884 | |||||||||||||||||||
| Customer Deposits | GBP mil | 426,912 | 441,311 | 447,067 | 418,326 | 412,960 | |||||||||||||||||||
| Sight Deposits | GBP mil | 36,909 | 40,802 | 46,487 | 48,518 | 61,804 | |||||||||||||||||||
| Term Deposits | GBP mil | 390,003 | 400,509 | 400,580 | 369,808 | 351,156 | |||||||||||||||||||
| Issued Debt Securities | GBP mil | 151,345 | 119,414 | 102,275 | 105,368 | 96,145 | |||||||||||||||||||
| Other Liabilities | GBP mil | 274,978 | 232,987 | 244,764 | 219,089 | 240,989 | |||||||||||||||||||
| asset quality | |||||||||||||||||||||||||
| Non-Performing Loans | GBP mil | 46,293 | 32,259 | 14,308 | 9,590 | 8,495 | |||||||||||||||||||
| Gross Loans | GBP mil | 532,475 | 507,247 | 489,118 | 458,208 | 452,070 | |||||||||||||||||||
| Provisions | GBP mil | 5,149 | 2,741 | 752 | 390 | 752 | |||||||||||||||||||
| growth rates | |||||||||||||||||||||||||
| Customer Loan Growth | % | ... | -8.56 | -4.24 | -2.54 | -5.70 | -1.21 | ||||||||||||||||||
| Retail Loan Growth | % | ... | -6.16 | -2.59 | -0.485 | -6.18 | 0.030 | ||||||||||||||||||
| Mortgage Loan Growth | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | -2.97 | -0.671 | -0.683 | -6.13 | -1.98 | ||||
| Consumer Loan Growth | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | -17.8 | -10.8 | 0.462 | -6.38 | 9.53 | ||||
| Corporate Loan Growth | % | ... | ... | -18.0 | -11.7 | -18.6 | -10.5 | 0.136 | |||||||||||||||||
| Total Asset Growth | % | ... | -3.74 | -9.33 | 0.929 | -5.64 | 1.38 | ||||||||||||||||||
| Shareholders' Equity Growth | % | ... | -8.61 | -7.62 | 26.9 | -5.86 | 3.91 | ||||||||||||||||||
| Customer Deposit Growth | % | ... | 3.14 | 3.37 | 1.30 | -6.43 | -1.28 |
| ratios | Unit | 1995 | 1996 | 1997 | 1998 | 1999 | 2000 | 2001 | 2002 | 2003 | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 |
| ratios | |||||||||||||||||||||||||
| ROE | % | -3.30 | -2.05 | 3.16 | 1.78 | 5.04 | |||||||||||||||||||
| ROA | % | -0.154 | -0.094 | 0.166 | 0.104 | 0.297 | |||||||||||||||||||
| Costs (As % Of Assets) | % | 1.84 | 1.55 | 1.55 | 1.75 | 1.46 | |||||||||||||||||||
| Costs (As % Of Income) | % | 79.9 | 69.6 | 74.3 | 77.0 | 63.7 | |||||||||||||||||||
| Capital Adequacy Ratio | % | 17.3 | 20.8 | 22.0 | 21.5 | 21.4 | |||||||||||||||||||
| Tier 1 Ratio | % | 13.8 | 14.5 | 16.5 | 16.4 | 17.0 | |||||||||||||||||||
| Net Interest Margin | % | 0.810 | 0.824 | 1.25 | 1.36 | 1.14 | |||||||||||||||||||
| Interest Spread | % | ... | 0.729 | 0.749 | 1.20 | 1.32 | 1.09 | ||||||||||||||||||
| Asset Yield | % | 2.47 | 2.38 | 2.26 | 2.12 | 2.05 | |||||||||||||||||||
| Cost Of Liabilities | % | ... | 1.74 | 1.63 | 1.06 | 0.805 | 0.961 | ||||||||||||||||||
| Payout Ratio | % | 76.3 | 86.6 | 76.6 | 75.7 | 75.4 | |||||||||||||||||||
| Interest Income (As % Of Revenues) | % | 35.2 | 37.0 | 60.0 | 60.0 | 49.8 | |||||||||||||||||||
| Fee Income (As % Of Revenues) | % | 14.6 | 13.8 | 12.7 | 9.59 | 9.07 | |||||||||||||||||||
| Other Income (As % Of Revenues) | % | 50.2 | 49.2 | 27.3 | 30.4 | 41.1 | |||||||||||||||||||
| Equity (As % Of Assets) | % | 4.56 | 4.64 | 5.84 | 5.82 | 5.97 | |||||||||||||||||||
| Loans (As % Of Deposits) | % | 121 | 112 | 108 | 109 | 109 | |||||||||||||||||||
| Loans (As % Assets) | % | 55.4 | 58.5 | 56.5 | 56.4 | 55.0 | |||||||||||||||||||
| NPLs (As % Of Loans) | % | 8.69 | 6.36 | 2.93 | 2.09 | 1.88 | |||||||||||||||||||
| Provisions (As % Of NPLs) | % | 32.9 | 37.1 | 44.8 | 31.6 | 28.4 | |||||||||||||||||||
| Provisions (As % Of Loans) | % | 2.95 | 2.42 | 1.33 | 0.666 | 0.536 | |||||||||||||||||||
| Cost of Provisions (As % Of Loans) | % | 0.951 | 0.541 | 0.154 | 0.083 | 0.166 |
| other data | Unit | 1995 | 1996 | 1997 | 1998 | 1999 | 2000 | 2001 | 2002 | 2003 | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 |
| other data | |||||||||||||||||||||||||
| Employees | 92,788 | 88,977 | 84,490 | 75,306 | 80,418 | ||||||||||||||||||||
| Sight (As % Of Customer Deposits) | % | 8.65 | 9.25 | 10.4 | 11.6 | 15.0 |
Get all company financials in excel:
By Helgi Library - December 22, 2019
Lloyds Banking Group's capital adequacy ratio reached 22.9% at the end of 2018, up from 21.2% compared to the previous year. Historically, the bank’s capital ratio hit an all time high of 22.9% in 2018 and an all time low of 9.00% in 2000. The Tier 1 ratio am...
By Helgi Library - December 22, 2019
Lloyds Banking Group's non-performing loans reached 1.28% of total loans at the end of 2018, down from 1.71% compared to the previous year. Historically, the NPL ratio hit an all time high of 10.6% in 2010 and an all time low of 0.889% in 2003. Provision co...
By Helgi Library - December 22, 2019
Lloyds Banking Group stock traded at GBP 0.510 per share at the end of 2018 implying a market capitalization of USD 46,835 mil. Since the end of 2013, the stock has appreciated by % implying an annual average growth of 0 %. In absolute terms, the value of the company...
By Helgi Library - December 22, 2019
Lloyds Banking Group generated total banking revenues of GBP 20,003 mil in 2018, down 0.16% compared to the previous year. Historically, the bank’s revenues containing of interest, fee and other non-interest income reached an all time high of GBP 26,638 mil in ...
By Helgi Library - December 22, 2019
Lloyds Banking Group's non-performing loans reached 1.28% of total loans at the end of 2018, down from 1.71% compared to the previous year. Historically, the NPL ratio hit an all time high of 10.6% in 2010 and an all time low of 0.889% in 2003. Provision co...
By Helgi Library - December 22, 2019
Lloyds Banking Group generated total banking revenues of GBP 20,003 mil in 2018, down 0.16% compared to the previous year. Historically, the bank’s revenues containing of interest, fee and other non-interest income reached an all time high of GBP 26,638 mil in ...
By Helgi Library - December 22, 2019
Lloyds Banking Group stock traded at GBP 0.510 per share at the end of 2018 implying a market capitalization of USD 46,835 mil. Since the end of 2013, the stock has appreciated by % implying an annual average growth of 0 %. In absolute terms, the value of the company...
By Helgi Library - December 22, 2019
Lloyds Banking Group's net interest margin amounted to 1.66% in 2018, up from 1.34% compared to the previous year. Historically, the bank’s net interest margin reached an all time high of 2.78% in 1999 and an all time low of 0.810% in 2012. The average ...
By Helgi Library - December 22, 2019
Lloyds Banking Group stock traded at GBP 0.510 per share at the end 2018 implying a market capitalization of USD 46,835 mil. Since the end of 2013, the stock has appreciated by % implying an annual average growth of 0 %. In absolute terms, the value of the company ...
By Helgi Library - December 22, 2019
Lloyds Banking Group stock traded at GBP 0.510 per share at the end 2018 implying a market capitalization of USD 46,835 mil. Since the end of 2013, the stock has appreciated by % implying an annual average growth of 0 %. In absolute terms, the value of the company ...
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