Lloyds Banking Group updates 2026 capitalisation

Lloyds Banking Group plc reports consolidated capitalisation and indebtedness of £151,563m as at 30 June 2026.

Rhea-AI Filing Summary

Lloyds Banking Group plc reports consolidated capitalisation and indebtedness of £151,563m as at 30 June 2026. Total equity was £47,237m, including ordinary shareholders’ equity of £41,461m, other equity instruments of £5,551m and non-controlling interests of £225m.

Total indebtedness was £104,326m, comprising subordinated liabilities of £9,235m and total debt securities of £95,091m. Under IFRS, certain preference shares are classified as debt within subordinated liabilities. As of 30 June 2026, all indebtedness was unsecured except for £19.8 billion of securitisation notes and covered bonds and £1.4 billion of debt securities issued by the Group’s asset-backed conduits.

The company states there have been no issuances or redemptions of subordinated liabilities, debt securities or other equity instruments, and no material change in this capitalisation profile, since 30 June 2026. The information is incorporated by reference into its existing Form F-3 registration statement.

Key Figures

Total capitalisation and indebtedness: £151,563m Total equity: £47,237m Ordinary shareholders’ equity: £41,461m +5 more

8 metrics

Total capitalisation and indebtedness £151,563m Consolidated capitalisation and indebtedness as at 30 June 2026

Total equity £47,237m Consolidated equity as at 30 June 2026

Ordinary shareholders’ equity £41,461m Component of total equity as at 30 June 2026

Subordinated liabilities £9,235m Part of total indebtedness as at 30 June 2026; includes certain preference shares under IFRS

Total debt securities £95,091m Debt securities in issue and liabilities at fair value as at 30 June 2026

Total indebtedness £104,326m Subordinated liabilities plus total debt securities as at 30 June 2026

Secured securitisation notes and covered bonds £19.8 billion Portion of indebtedness secured as at 30 June 2026

Secured asset-backed conduit debt securities £1.4 billion Debt securities issued by asset-backed conduits as at 30 June 2026

Key Terms

subordinated liabilities, liabilities designated at fair value through profit or loss, securitisation notes, covered bonds, +2 more

6 terms

subordinated liabilities financial

"Total indebtedness was 104,326, comprising subordinated liabilities of 9,235"

liabilities designated at fair value through profit or loss financial

"Debt securities include liabilities designated at fair value through profit or loss"

securitisation notes financial

"Indebtedness was unsecured except for £19.8 billion of securitisation notes and covered bonds"

covered bonds financial

"Unsecured except for £19.8 billion of securitisation notes and covered bonds"

asset-backed conduits financial

"£1.4 billion of debt securities were issued by the Group’s asset-backed conduits"

non-controlling interests financial

"Total equity included non-controlling interests of 225"

An ownership stake in a subsidiary held by outside shareholders rather than the parent company, representing the portion of that subsidiary’s assets and profits the parent does not control. For investors, it shows what part of consolidated earnings and equity belongs to others — like a roommate who owns part of a house — which affects how much value and profit per share are truly attributable to the parent company’s shareholders.

FAQ

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

What was Lloyds Banking Group (LYG) total capitalisation and indebtedness at 30 June 2026?

Lloyds Banking Group reported total capitalisation and indebtedness of £151,563m on a consolidated basis as at 30 June 2026. This comprised total equity of £47,237m and total indebtedness of £104,326m, reflecting the group’s balance of shareholder funding and borrowings.

How much equity did Lloyds Banking Group (LYG) report as of 30 June 2026?

As of 30 June 2026, Lloyds Banking Group reported total equity of £47,237m. This included ordinary shareholders’ equity of £41,461m, other equity instruments of £5,551m and non-controlling interests of £225m, giving investors a breakdown of the group’s equity base.

What was the composition of indebtedness for Lloyds Banking Group (LYG) at 30 June 2026?

Total indebtedness was £104,326m, made up of subordinated liabilities of £9,235m and total debt securities of £95,091m. Debt securities included instruments at amortised cost and liabilities designated at fair value through profit or loss within the group’s funding structure.

How much of Lloyds Banking Group (LYG) indebtedness was secured at 30 June 2026?

As of 30 June 2026, all indebtedness was unsecured except for £19.8 billion of securitisation notes and covered bonds and £1.4 billion of debt securities issued by the group’s asset-backed conduits. The remainder of borrowings were reported as unsecured obligations.

Have there been any changes to Lloyds Banking Group (LYG) capitalisation since 30 June 2026?

The company states there have been no issuances or redemptions of subordinated liabilities, debt securities or other equity instruments since 30 June 2026. It also reports no material change in the capitalisation and indebtedness information presented as of that date.

Are Lloyds Banking Group (LYG) borrowings guaranteed by non-group entities?

Excluding indebtedness issued under government-guaranteed funding programmes, none of the reported indebtedness is guaranteed by persons other than members of the group. This means obligations are largely supported within Lloyds Banking Group’s consolidated corporate structure.

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

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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

30 July 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 June 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:			30 July 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 June 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 Jun 2026 £m
Equity
Ordinary shareholders’ equity			41,461
Other equity instruments			5,551
Non-controlling interests			225
Total equity			47,237
Indebtedness
Subordinated liabilities			9,235
Debt securities
Debt securities in issue at amortised cost			90,853
Liabilities designated at fair value through profit or loss			4,238
Total debt securities			95,091
Total indebtedness			104,326
Total capitalisation and indebtedness			151,563

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 June 2026, all indebtedness was unsecured except for £19.8 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 June 2026.

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

Filing Exhibits & Attachments

1 document

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