Lloyds Banking Group reports £105B debt at Sept. 30

Under IFRS, certain preference shares are classified as debt and included in subordinated liabilities.

Rhea-AI Filing Summary

Lloyds Banking Group plc reported consolidated total capitalisation and indebtedness of £150.657 billion as of September 30, 2026, including £45.971 billion of total equity and £104.686 billion of total indebtedness.

Debt securities totaled £96.282 billion and subordinated liabilities were £8.404 billion. As of September 30, 2026, all indebtedness was unsecured except for £21.9 billion of securitisation notes and covered bonds and £1.4 billion of debt securities issued by the Group’s asset-backed conduits. There have been no issuances or redemptions of subordinated liabilities, debt securities or other equity instruments since September 30, 2026, and no material change in the table information since then.

Filing Explained

Form 6-K is a foreign private issuer’s interim report; here, Lloyds Banking Group plc incorporates its capitalisation table as of September 30, 2026 by reference into its Form F-3 registration statement, adding that dated disclosure to the registration-statement record.

Key Figures

Ordinary shareholders’ equity: £40.193 billion Other equity instruments: £5.551 billion Non-controlling interests: £227 million +5 more

8 metrics

Ordinary shareholders’ equity £40.193 billion As of September 30, 2026

Other equity instruments £5.551 billion As of September 30, 2026

Non-controlling interests £227 million As of September 30, 2026

Total equity £45.971 billion As of September 30, 2026

Subordinated liabilities £8.404 billion As of September 30, 2026

Total debt securities £96.282 billion As of September 30, 2026

Total indebtedness £104.686 billion As of September 30, 2026

Total capitalisation and indebtedness £150.657 billion As of September 30, 2026

Key Terms

capitalisation and indebtedness, subordinated liabilities, amortised cost, securitisation notes, +1 more

5 terms

capitalisation and indebtedness financial

"capitalisation and indebtedness of Lloyds Banking Group plc"

subordinated liabilities financial

"included in subordinated liabilities in the table below"

amortised cost financial

"Debt securities in issue at amortised cost"

securitisation notes financial

"£21.9 billion of securitisation notes and covered bonds"

asset-backed conduits financial

"debt securities issued by the Group’s asset-backed conduits"

FAQ

AI-generated questions and answers. How Rhea-AI works. Not financial advice.

What was LYG’s total indebtedness as of September 30, 2026?

Lloyds Banking Group plc reported total indebtedness of £104.686 billion as of September 30, 2026. This comprised £8.404 billion of subordinated liabilities and £96.282 billion of debt securities.

Which LYG debt was secured as of September 30, 2026?

As of September 30, 2026, all indebtedness was unsecured except for £21.9 billion of securitisation notes and covered bonds and £1.4 billion of debt securities issued by the Group’s asset-backed conduits.

AI-generated analysis. How Rhea-AI works. Not financial advice.

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Available on EDGAR 10/29/2026 - 11:26 AM EDT Accepted by SEC EDGAR 10/29/2026 - 11:25 AM EDT Learn about SEC filing dates

UNITED STATES
SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 6-K 

REPORT OF FOREIGN PRIVATE ISSUER

PURSUANT TO RULE 13a-16 OR 15d-16

UNDER THE SECURITIES EXCHANGE ACT OF 1934

29 October 2026

Commission File number 001-15246

LLOYDS BANKING GROUP plc

(Translation of registrant’s name into English)

33 Old Broad Street

London

EC2N 1HZ

United Kingdom

(Address of principal executive offices)

Indicate by check mark whether the registrant files or will file annual reports under cover of Form 20-F or Form 40-F.
Form 20-F ☒    Form 40-F ☐

Indicate by check mark if the registrant is submitting the Form 6-K in paper as permitted by Regulation S-T Rule 101 (b) (1) ________.

Indicate by check mark if the registrant is submitting the Form 6-K in paper as permitted by Regulation S-T Rule 101 (b) (7) ________.

This report on Form 6-K shall be deemed incorporated by reference into the company’s Registration Statement on Form F-3
(File No. 333-287829) and to be a part thereof from the date on which this report is filed to the extent not superseded by
documents or reports subsequently filed or furnished.

EXPLANATORY NOTE

Lloyds Banking Group plc hereby incorporates by reference the following exhibit to this report on Form 6-K into its Registration Statement on Form F-3 (File No. 333-287829):

Exhibit						Document
99.1						Capitalisation table as at 30 September 2026

SIGNATURE

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned, thereunto duly authorised.

			LLOYDS BANKING GROUP plc
			By:			/s/ William Chalmers
			Name:			William Chalmers
			Title:			Chief Financial Officer
			Dated:			29 October 2026

EXHIBIT 99.1

CAPITALISATION

The following table shows the capitalisation and indebtedness of Lloyds Banking Group plc together with its subsidiaries (the Group) on a consolidated basis as at 30 September 2026. In accordance with IFRS, certain preference shares are classified as debt and are included in subordinated liabilities in the table below.

Capitalisation			At 30 Sep 2026 £m
Equity
Ordinary shareholders’ equity			40,193
Other equity instruments			5,551
Non-controlling interests			227
Total equity			45,971
Indebtedness
Subordinated liabilities			8,404
Debt securities
Debt securities in issue at amortised cost			92,477
Liabilities designated at fair value through profit or loss			3,805
Total debt securities			96,282
Total indebtedness			104,686
Total capitalisation and indebtedness			150,657

Excluding indebtedness issued under government-guaranteed funding programmes, none of the indebtedness set forth above is guaranteed by persons other than members of the Group. As of 30 September 2026, all indebtedness was unsecured except for £21.9 billion of securitisation notes and covered bonds and £1.4 billion of debt securities issued by the Group’s asset-backed conduits.

There have been no issuances or redemptions of subordinated liabilities, debt securities or other equity instruments since 30 September 2026.

There has been no material change in the information set forth in the table above since 30 September 2026.

Filing Exhibits & Attachments

1 document

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