REG - HBOS PLC Lloyds Banking Group - 2025 Annual Report and Accounts

Lloyds BankingAnnouncement

26/02/2026 12:00

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RNS Number : 5360U  HBOS PLC  26 February 2026

 

26 February 2026

 

 

 

HBOS PLC ANNUAL REPORT AND ACCOUNTS

FOR THE YEAR ENDED 31 DECEMBER 2025

 

HBOS plc announces that the following document will be submitted today to the
National Storage Mechanism and will shortly be available for inspection in
unedited full text at https://data.fca.org.uk/#/nsm/nationalstoragemechanism
(https://eur02.safelinks.protection.outlook.com/?url=https%3A%2F%2Fdata.fca.org.uk%2F%23%2Fnsm%2Fnationalstoragemechanism&data=04%7C01%7CHannah.Boore%40lloydsbanking.com%7Cf478194d493f4e2a726008d8da6543d3%7C3ded2960214a46ff8cf4611f125e2398%7C0%7C0%7C637499475745921990%7CUnknown%7CTWFpbGZsb3d8eyJWIjoiMC4wLjAwMDAiLCJQIjoiV2luMzIiLCJBTiI6Ik1haWwiLCJXVCI6Mn0%3D%7C1000&sdata=HKhpYPA9fSsjBwiR9NG1EHWMP7vx2WpuAJN%2B%2Fq4Pee0%3D&reserved=0)

 

·    Annual Report and Accounts 2025

 

A copy of the document is also available through the 'Investors' section of
our website www.lloydsbankinggroup.com (http://www.lloydsbankinggroup.com)

 

This announcement is made in accordance with DTR 4.1.

 

 

-END-

 

For further information:

 

Investor Relations

Douglas
Radcliffe
+44 (0)20 7356 1571

Group Investor Relations Director

douglas.radcliffe@lloydsbanking.com

 

Corporate Affairs

Matt Smith
 
+44 (0)77 8835 2487

Head of Media Relations

matt.smith@lloydsbanking.com

 

 

 

 

FORWARD-LOOKING STATEMENTS

 

This document contains certain forward-looking statements within the meaning
of Section 21E of the US Securities Exchange Act of 1934, as amended, and
section 27A of the US Securities Act of 1933, as amended, with respect to the
business, strategy, plans and/or results of HBOS plc together with its
subsidiaries (the Group) and its current goals and expectations. Statements
that are not historical or current facts, including statements about the
Group's or its directors' and/or management's beliefs and expectations, are
forward-looking statements. Words such as, without limitation, 'believes',
'achieves', 'anticipates', 'estimates', 'expects', 'targets', 'should',
'intends', 'aims', 'projects', 'plans', 'potential', 'will', 'would', 'could',
'considered', 'likely', 'may', 'seek', 'estimate', 'probability', 'goal',
'objective', 'deliver', 'endeavour', 'prospects', 'optimistic' and similar
expressions or variations on these expressions are intended to identify
forward-looking statements. These statements concern or may affect future
matters, including but not limited to: projections or expectations of the
Group's future financial position, including profit attributable to
shareholders, provisions, economic profit, dividends, capital structure,
portfolios, net interest margin, capital ratios, liquidity, risk-weighted
assets (RWAs), expenditures or any other financial items or ratios;
litigation, regulatory and governmental investigations; the Group's future
financial performance; the level and extent of future impairments and
write-downs; the Group's ESG targets and/or commitments; statements of plans,
objectives or goals of the Group or its management and other statements that
are not historical fact and statements of assumptions underlying such
statements. By their nature, forward-looking statements involve risk and
uncertainty because they relate to events and depend upon circumstances that
will or may occur in the future. Factors that could cause actual business,
strategy, targets, plans and/or results (including but not limited to the
payment of dividends) to differ materially from forward-looking statements
include, but are not limited to: general economic and business conditions in
the UK and internationally (including in relation to tariffs); imposed and
threatened tariffs and changes to global trade policies; acts of hostility or
terrorism and responses to those acts, or other such events; geopolitical
unpredictability; the war between Russia and Ukraine; the escalation of
conflicts in the Middle East; the tensions between China and Taiwan; political
instability including as a result of any UK general election; market related
risks, trends and developments; changes in client and consumer behaviour and
demand; exposure to counterparty risk; the ability to access sufficient
sources of capital, liquidity and funding when required; changes to the
Group's credit ratings; fluctuations in interest rates, inflation, exchange
rates, stock markets and currencies; volatility in credit markets; volatility
in the price of the Group's securities; natural pandemic and other disasters;
risks concerning borrower and counterparty credit quality; risks affecting
defined benefit pension schemes; changes in laws, regulations, practices and
accounting standards or taxation; changes to regulatory capital or liquidity
requirements and similar contingencies; the policies and actions of
governmental or regulatory authorities or courts together with any resulting
impact on the future structure of the Group; risks associated with the 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 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; risks related to new
and emerging technologies, including artificial intelligence;  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 decarbonisation, including
the 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 calibre 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
Group's financial statements. A number of these influences and factors are
beyond the Group's control. Please refer to the latest Annual Report on Form
20-F filed by Lloyds Banking Group plc with the US Securities and Exchange
Commission (the SEC), which is available on the SEC's website at www.sec.gov,
for a discussion of certain factors and risks. Lloyds Banking Group plc may
also make or disclose written and/or oral forward-looking statements in other
written materials and in oral statements made by the directors, officers or
employees of Lloyds Banking Group plc to third parties, including financial
analysts. Except as required by any applicable law or regulation, the
forward-looking statements contained in this document are made as of today's
date, and the Group expressly disclaims any obligation or undertaking to
release publicly any updates or revisions to any forward-looking statements
contained in this document whether as a result of new information, future
events or otherwise. The information, statements and opinions contained in
this document do not constitute a public offer under any applicable law or an
offer to sell any securities or financial instruments or any advice or
recommendation with respect to such securities or financial instruments.

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