REG - Lloyds Bank Plc Lloyds Banking Group - 2025 Q3 Interim Management Statement
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RNS Number : 5784E Lloyds Bank PLC 23 October 2025
Lloyds Bank plc
Q3 2025 Interim Management Statement
23 October 2025
Member of the Lloyds Banking Group
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 Lloyds Bank plc together with its
subsidiaries (the Lloyds Bank Group) and its current goals and expectations.
Statements that are not historical or current facts, including statements
about the Lloyds Bank 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 Lloyds Bank 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 Lloyds
Bank Group's future financial performance; the level and extent of future
impairments and write-downs; the Lloyds Bank Group's ESG targets and/or
commitments; statements of plans, objectives or goals of the Lloyds Bank 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 Lloyds Bank Group's or
Lloyds Banking Group plc's credit ratings; fluctuations in interest rates,
inflation, exchange rates, stock markets and currencies; volatility in credit
markets; volatility in the price of the Lloyds Bank 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 Lloyds Bank Group; 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
decarbonisation, 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 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
Lloyds Bank Group's financial statements. A number of these influences and
factors are beyond the Lloyds Bank Group's control. Please refer to the latest
Annual Report on Form 20-F filed by Lloyds Bank 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 Bank 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 Bank 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 Lloyds Bank 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.
STATUTORY INFORMATION (IFRS)
CONDENSED CONSOLIDATED INCOME STATEMENT (UNAUDITED)
Nine months ended Nine months ended
30 Sep 30 Sep
2025 2024
£m £m
Net interest income 9,924 9,378
Other income 3,726 3,235
Total income 13,650 12,613
Operating expenses (9,252) (8,392)
Impairment (617) (294)
Profit before tax 3,781 3,927
Tax expense (1,163) (1,200)
Profit after tax 2,618 2,727
Profit attributable to ordinary shareholders 2,274 2,454
Profit attributable to other equity holders 318 256
Profit attributable to equity holders 2,592 2,710
Profit attributable to non-controlling interests 26 17
Profit after tax 2,618 2,727
CONDENSED CONSOLIDATED BALANCE SHEET (UNAUDITED)
At 30 Sep 2025 At 31 Dec 2024
£m £m
Assets
Cash and balances at central banks 41,435 42,396
Financial assets at fair value through profit or loss 2,292 2,321
Derivative financial instruments 3,286 4,235
Financial assets at amortised cost 519,464 504,897
Financial assets at fair value through other comprehensive income 36,700 30,344
Other assets 27,624 27,020
Total assets 630,801 611,213
Liabilities
Deposits from banks 5,792 3,144
Customer deposits 464,716 451,794
Repurchase agreements at amortised cost 36,779 37,760
Due to fellow Lloyds Banking Group undertakings 1,782 4,049
Financial liabilities at fair value through profit or loss 4,506 4,630
Derivative financial instruments 4,528 5,787
Debt securities in issue at amortised cost 52,201 45,281
Other liabilities 12,080 11,810
Subordinated liabilities 8,069 7,211
Total liabilities 590,452 571,466
Total equity 40,348 39,747
Total equity and liabilities 630,801 611,213
FINANCIAL REVIEW
Income statement
The Group's statutory profit before tax for the first nine months of 2025 was
£3,781 million, 4% lower than in the first nine months of of 2024. This
included higher total income, more than offset by a charge for motor finance
commission arrangements in the third quarter and a higher impairment charge.
Profit after tax was £2,618 million (nine months to 30 September 2024:
£2,727 million).
Total income for the nine months of 2025 was £13,650 million, an increase
of 8% on the same period in 2024 (nine months to 30 September 2024: £12,613
million). Net interest income of £9,924 million was up 6% on the prior year
(nine months to 30 September 2024: £9,378 million), driven by higher average
interest-earning assets and a higher margin. Other income increased by 15% to
£3,726 million (nine months to 30 September 2024: £3,235 million). The
increase in other income reflected vehicle fleet growth and higher average
vehicle rental values in UK Motor Finance within Retail. Other income in the
prior period was impacted by changes to commission arrangements with Scottish
Widows.
Operating expenses of £9,252 million were 10% higher than in the prior year
(nine months to 30 September 2024: £8,392 million). This included a higher
remediation charge relating to motor finance commission arrangements and
reflected inflationary pressures, strategic investment including planned
higher severance front-loaded into the first quarter of 2025 and business
growth costs. This was partially offset by cost savings and continued cost
discipline. Operating lease depreciation was higher due to fleet growth,
the depreciation of higher value vehicles and declines in used electric car
prices.
A remediation charge of £909 million was recognised by the Group in the first
nine months of 2025 (nine months to 30 September 2024: £90 million),
including an £800 million charge in the third quarter in relation to the
potential impact of motor finance commission arrangements, bringing the total
provision for motor finance to £1,950 million. The FCA published a
consultation on an industry wide motor finance redress scheme on 7 October
2025. This provides further detail on its proposed redress approach following
the Supreme Court judgment handed down on 1 August 2025, in particular the
products in scope, situations where it considers inadequate disclosure would
give rise to an unfair relationship, proposed redress methodology, engagement
approach and time bar. Based on the FCA proposals in their current form, the
potential impact is at the adverse end of the Group's range of expected
outcomes.
As previously stated, in establishing the Group's previous provision of
£1,150 million, the Group created a range of scenarios to address
uncertainties on a number of key inputs. The FCA proposals are subject to
consultation and there remain a number of uncertainties. Accordingly, the
Group's approach continues to consider a probability weighted outcome
considering a range of scenarios representing sensitivities to the FCA's
current proposals, together resulting in the additional charge of £800
million. This reflects the increased likelihood of a higher number of
historical cases, particularly DCA, being eligible for redress, including
those dating back to 2007 and also the likelihood of a higher level of redress
than previously anticipated, reflecting the FCA's proposed redress calculation
approach, which is less closely linked to actual customer loss than
anticipated.
The Group remains committed to ensuring customers receive appropriate redress
where they suffered loss. The current FCA proposals remain a consultation.
Given that the Group has concerns, including relating to the approach to
unfairness and proposed redress methodology, representations will be made to
the FCA. The ultimate outcome of the motor finance commission issue for the
Group may evolve as a result of representations made by various parties as
well as further legal proceedings. However, the total £1,950 million
provision, including both redress and operational costs, represents the
Group's best estimate of the potential impact of the motor finance issue.
The impairment charge was £617 million, up from £294 million in the nine
months to 30 September 2024 which benefitted from a large credit from
improvements in the Group's economic outlook. In Commercial Banking, higher
charges in the first half of the year driven by a small number of individual
cases were offset by lower expected losses given observed resilient
performance and improved loss expectations for accounts in recoveries. Retail
portfolios continued to perform strongly.
FINANCIAL REVIEW (continued)
Balance sheet
As at 30 September 2025, total assets were £19,588 million higher at
£630,801 million (31 December 2024: £611,213 million).
Financial assets at amortised cost were £14,567 million higher at
£519,464 million (31 December 2024: £504,897 million) supported by
increases in loans and advances to customers of £16,307 million. This
included growth of £8,725 million in UK mortgages and growth across UK Retail
unsecured loans, credit cards, UK Motor Finance and the European retail
business totalling £6,542 million. Lending balances increased by £1,096
million in Commercial Banking, with growth in securitised products, partially
offset by repayments of government-backed lending. Amounts due from fellow
Lloyds Banking Group undertakings increased by £551 million. These movements
were partly offset by a £894 million reduction in reverse repurchase
agreements, a £1,000 million reduction in loans and advances to banks and a
£397 million reduction in debt securities.
Financial assets held at fair value through profit or loss were broadly stable
at £2,292 million (31 December 2024: £2,321 million). Derivative financial
assets were £949 million lower at £3,286 million (31 December 2024:
£4,235 million), driven by interest rate movements in the period. Financial
assets at fair value through other comprehensive income of £36,700 million
increased by £6,356 million in the period reflecting increases in liquid
asset holdings. Other assets were £604 million higher, primarily reflecting
increased settlement balances.
Total liabilities were £18,986 million higher at £590,452 million
(31 December 2024: £571,466 million). Customer deposits of
£464,716 million increased in the period by £12,922 million. Retail
deposits increased by £4,019 million in the period, including growth in
Retail savings accounts, as a result of net inflows to limited withdrawal and
fixed term deposits given the Group's strong performance throughout the ISA
season, and growth in European retail balances. This was alongside growth in
current accounts, due to strength in customer income and subdued spend.
Commercial Banking deposits were up £8,867 million, resulting from growth in
targeted sectors.
Other liabilities increased by £270 million reflecting increased provisions,
primarily driven by the increase in relation to motor finance commission
arrangements offset by lower settlement balances. Debt securities in issue
increased by £6,920 million, with new issuances in the period, while
subordinated liabilities reduced by £858 million.
Total equity was £40,348 million at 30 September 2025 (31 December 2024:
£39,747 million). The increase reflected profit for the period, the unwind of
the cash flow hedging reserve and issuance of an AT1 capital instrument in
February 2025. This was partially offset by the dividend paid in May 2025 and
September 2025, the redemption of AT1 capital instruments in June 2025 and
September 2025 and a lower pension surplus.
Capital
The Group's common equity tier 1 (CET1) capital ratio reduced to 13.6% at 30
September 2025 from 13.7% at 31 December 2024. Profit for the first nine
months of the year, after the charge for motor finance commission
arrangements, was more than offset by the payment of ordinary dividends, the
accrual for foreseeable ordinary dividends and an increase in risk-weighted
assets.
The Group's total capital ratio reduced to 19.8% at 30 September 2025 from
19.9% at 31 December 2024. The increase in CET1 capital and the issuance of
new AT1 and tier 2 capital instruments during the period was more than offset
by AT1 and tier 2 instrument calls, other tier 2 movements and the increase in
risk-weighted assets.
Risk-weighted assets increased by £3,574 million to £190,570 million at 30
September 2025 from £186,996 million at 31 December 2024. This reflects the
impact of lending growth, partly offset by continued optimisation activity.
The Group's UK leverage ratio reduced to 5.0% at 30 September 2025 (31
December 2024: 5.4%), reflecting a reduction in the total tier 1 capital
position and an increase in the leverage exposure measure following increases
across loans and advances and other assets, due in part to lending growth, and
an increase in off-balance sheet items.
ADDITIONAL FINANCIAL INFORMATION
1. Basis of presentation
This release covers the results of Lloyds Bank plc together with its
subsidiaries (the Group) for the nine months ended 30 September 2025.
The Group's Q3 2025 Interim Pillar 3 Disclosures can be found at:
www.lloydsbankinggroup.com/investors/financial-downloads.html.
Accounting policies
The accounting policies are consistent with those applied by the Group in its
2024 Annual Report and Accounts.
2. Loans and advances to customers and expected credit loss allowance
At 30 September 2025 Stage 1 Stage 2 Stage 3 POCI Total Stage 2 Stage 3
£m £m £m £m £m as % of as % of
total total
Loans and advances to customers
UK mortgages 282,315 29,903 3,990 5,533 321,741 9.3 1.2
Credit cards 14,628 2,471 269 - 17,368 14.2 1.5
UK unsecured loans and overdrafts 10,345 1,417 191 - 11,953 11.9 1.6
UK Motor Finance 14,283 2,544 148 - 16,975 15.0 0.9
Other 20,804 379 158 - 21,341 1.8 0.7
Retail 342,375 36,714 4,756 5,533 389,378 9.4 1.2
Business and Commercial Banking 25,663 2,520 1,030 - 29,213 8.6 3.5
Corporate and Institutional Banking 40,132 1,792 816 - 42,740 4.2 1.9
Commercial Banking 65,795 4,312 1,846 - 71,953 6.0 2.6
Other(1) (35) - - - (35) - -
Total gross lending 408,135 41,026 6,602 5,533 461,296 8.9 1.4
Customer related ECL allowance (drawn and undrawn)
UK mortgages 49 221 305 165 740
Credit cards 226 286 121 - 633
UK unsecured loans and overdrafts 183 232 105 - 520
UK Motor Finance(2) 198 132 84 - 414
Other 18 9 36 - 63
Retail 674 880 651 165 2,370
Business and Commercial Banking 94 184 126 - 404
Corporate and Institutional Banking 95 115 315 - 525
Commercial Banking 189 299 441 - 929
Other - - - - -
Total 863 1,179 1,092 165 3,299
Customer related ECL allowance (drawn and undrawn) as a percentage of loans
and advances to customers
Stage 1 Stage 2 Stage 3 POCI Total
%
%
%
%
%
UK mortgages - 0.7 7.6 3.0 0.2
Credit cards 1.5 11.6 45.0 - 3.6
UK unsecured loans and overdrafts 1.8 16.4 55.0 - 4.4
UK Motor Finance 1.4 5.2 56.8 - 2.4
Other 0.1 2.4 22.8 - 0.3
Retail 0.2 2.4 13.7 3.0 0.6
Business and Commercial Banking 0.4 7.3 12.2 - 1.4
Corporate and Institutional Banking 0.2 6.4 38.6 - 1.2
Commercial Banking 0.3 6.9 23.9 - 1.3
Other - - - - -
Total 0.2 2.9 16.5 3.0 0.7
(1) Contains central fair value hedge accounting adjustments.
(2) UK Motor Finance includes £223 million relating to provisions
against residual values of vehicles subject to finance leases.
ADDITIONAL FINANCIAL INFORMATION (continued)
3. UK economic assumptions
Base case and MES economic assumptions
The Group's base case economic scenario has been updated to reflect ongoing
geopolitical developments and changes in domestic economic policy. The Group's
updated base case scenario has the following conditioning assumptions. First,
global conflicts do not lead to major discontinuities in commodity prices or
global trade. Second, the US effective tariff rate is maintained at prevailing
levels pending a switch to a sector-based tariff framework. Third, UK fiscal
policy acts to restore a margin of headroom against the current fiscal rules.
Based on these assumptions and incorporating the economic data published in
the second quarter of 2025, the Group's base case scenario is for a slow
expansion in gross domestic product (GDP) and a further rise in the
unemployment rate alongside small gains in residential and commercial property
prices. With underlying inflationary pressures expected to recede slowly,
modest reductions in UK Bank Rate are expected to continue in 2026, reaching a
'neutral' policy stance around the middle of the year. Risks around this base
case economic view lie in both directions and are largely captured by the
generation of alternative economic scenarios.
The Group has taken into account the latest available information at the
reporting date in defining its base case scenario and generating alternative
economic scenarios. The scenarios include forecasts for key variables as at
the third quarter of 2025. Actual data for this period, or restatements of
past data, may have since emerged prior to publication and have not been
included.
The Group's approach to generating alternative economic scenarios is set out
in detail in note 19 to the financial statements for the year ended
31 December 2024. As at 30 September 2025, the non-modelled adjustments
previously applied to UK Bank Rate and CPI inflation in the severe downside
scenario have been removed. This is because the incremental ECL impact is no
longer considered sufficiently material to justify their application.
Accordingly, its removal has had no material impact on ECL.
UK economic assumptions - base case scenario by quarter
Key quarterly assumptions made by the Group in the base case scenario are
shown below. GDP growth is presented quarter-on-quarter. House price growth,
commercial real estate price growth and CPI inflation are presented
year-on-year, i.e. from the equivalent quarter in the previous year.
Unemployment rate and UK Bank Rate are presented as at the end of each
quarter.
At 30 September 2025 First Second Third Fourth First Second Third Fourth
quarter quarter quarter quarter quarter quarter quarter quarter
2025 2025 2025 2025 2026 2026 2026 2026
% % % % % % % %
Gross domestic product growth 0.7 0.3 0.2 0.1 0.2 0.3 0.3 0.4
Unemployment rate 4.5 4.7 4.9 5.0 5.0 5.0 4.9 4.9
House price growth 2.9 2.7 1.6 0.8 1.4 1.9 2.2 2.4
Commercial real estate price growth 2.5 2.6 2.6 1.5 1.0 0.8 1.0 0.7
UK Bank Rate 4.50 4.25 4.00 4.00 3.75 3.75 3.50 3.50
CPI inflation 2.8 3.5 3.9 3.8 3.3 3.0 2.9 2.5
ADDITIONAL FINANCIAL INFORMATION (continued)
3. UK economic assumptions (continued)
UK economic assumptions - scenarios by year
Key annual assumptions made by the Group are shown below. GDP growth and CPI
inflation are presented as an annual change, house price growth and commercial
real estate price growth are presented as the growth in the respective indices
within the period. Unemployment rate and UK Bank Rate are averages for the
period.
At 30 September 2025 2025 2026 2027 2028 2029 2025-2029
% % % % % average
%
Upside
Gross domestic product growth 1.4 1.9 1.9 1.6 1.5 1.6
Unemployment rate 4.6 3.7 3.2 3.1 3.1 3.6
House price growth 1.1 4.8 7.0 6.3 5.5 4.9
Commercial real estate price growth 2.7 7.5 3.7 2.4 1.4 3.5
UK Bank Rate 4.19 4.30 4.72 4.95 5.12 4.66
CPI inflation 3.5 2.9 2.6 2.9 3.0 3.0
Base case
Gross domestic product growth 1.3 1.0 1.5 1.5 1.5 1.4
Unemployment rate 4.8 5.0 4.7 4.5 4.4 4.7
House price growth 0.8 2.4 1.7 2.2 3.2 2.1
Commercial real estate price growth 1.5 0.7 1.3 1.2 0.9 1.1
UK Bank Rate 4.19 3.63 3.50 3.50 3.50 3.66
CPI inflation 3.5 2.9 2.3 2.3 2.3 2.7
Downside
Gross domestic product growth 1.2 (1.2) 0.0 1.2 1.5 0.6
Unemployment rate 4.9 6.9 7.7 7.4 7.0 6.8
House price growth 0.5 (0.5) (6.4) (5.8) (2.0) (2.9)
Commercial real estate price growth 0.5 (8.9) (3.4) (1.9) (1.9) (3.2)
UK Bank Rate 4.19 2.37 1.03 0.69 0.48 1.75
CPI inflation 3.5 2.9 2.0 1.4 1.0 2.2
Severe downside
Gross domestic product growth 1.0 (3.1) (0.9) 1.0 1.4 (0.1)
Unemployment rate 5.1 9.2 10.4 10.0 9.4 8.8
House price growth 0.0 (2.4) (13.5) (12.0) (6.6) (7.0)
Commercial real estate price growth (1.8) (18.8) (8.7) (6.2) (4.9) (8.3)
UK Bank Rate 4.19 1.25 0.12 0.04 0.01 1.12
CPI inflation 3.5 2.9 1.5 0.4 (0.3) 1.6
Probability-weighted
Gross domestic product growth 1.3 0.2 0.9 1.4 1.5 1.1
Unemployment rate 4.8 5.6 5.7 5.5 5.3 5.4
House price growth 0.7 1.8 (0.6) (0.4) 1.4 0.6
Commercial real estate price growth 1.2 (2.1) (0.4) (0.1) (0.3) (0.3)
UK Bank Rate 4.19 3.21 2.79 2.75 2.73 3.13
CPI inflation 3.5 2.9 2.2 2.0 1.8 2.5
CONTACTS
For further information please contact:
INVESTORS AND ANALYSTS
Douglas Radcliffe
Group Investor Relations Director
020 7356 1571
douglas.radcliffe@lloydsbanking.com
Rohith Chandra-Rajan
Director of Investor Relations
07353 885 690
rohith.chandra-rajan@lloydsbanking.com
Nora Thoden
Director of Investor Relations - ESG
020 7356 2334
nora.thoden@lloydsbanking.com
Tom Grantham
Investor Relations Senior Manager
07851 440 091
thomas.grantham@lloydsbanking.com
Sarah Robson
Investor Relations Senior Manager
07494 513 983
sarah.robson2@lloydsbanking.com
CORPORATE AFFAIRS
Matt Smith
Head of Media Relations
07788 352 487
matt.smith@lloydsbanking.com
Emma Fairhurst
Media Relations Senior Manager
07814 395 855
emma.fairhurst@lloydsbanking.com
Copies of this News Release may be obtained from:
Investor Relations, Lloyds Banking Group plc, 33 Old Broad Street, London,
EC2N 1HZ
The statement can also be found on the Group's website -
www.lloydsbankinggroup.com
Registered office: Lloyds Bank plc, 25 Gresham Street, London, EC2V 7HN
Registered in England No. 2065
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