Lloyds Banking Group 6-K on senior notes due 2031 and 2036

Lloyds Banking Group plc filed a Form 6‑K to incorporate documents related to a multi‑tranche U.S. dollar senior note issuance.

Rhea-AI Filing Summary

Lloyds Banking Group plc filed a Form 6‑K to incorporate documents related to a multi‑tranche U.S. dollar senior note issuance. The company issued $1,500,000,000 aggregate principal amount of 4.425% Senior Callable Fixed‑to‑Fixed Rate Notes due 2031, $1,250,000,000 aggregate principal amount of 4.943% Senior Callable Fixed‑to‑Fixed Rate Notes due 2036, and $300,000,000 aggregate principal amount of Senior Callable Floating Rate Notes due 2031.

The filing adds a supplemental indenture and legal opinions to the company’s automatic shelf registration (Form F‑3ASR). Exhibits include the Twenty‑Second Supplemental Indenture and opinions from CMS Cameron McKenna Nabarro Olswang LLP and Davis Polk & Wardwell London LLP.

Insights

Debt capital markets analyst

Administrative filing documenting three new USD senior note tranches.

Lloyds Banking Group lists three U.S. dollar senior notes: 4.425% due 2031, 4.943% due 2036, and a floating‑rate tranche due 2031. The 6‑K’s purpose is to incorporate the supplemental indenture and legal opinions into the Form F‑3ASR, confirming documentation for these issuances.

The filing does not discuss proceeds, pricing context versus benchmarks, or use of funds. It primarily records the instruments and supporting exhibits, including the Twenty‑Second Supplemental Indenture and legal opinions.

Future disclosures in company filings may specify additional terms like reference rates for the floating tranche or redemption mechanics beyond the callable feature.

FAQ

What did LYG disclose in this Form 6-K?

It filed documents tied to the issuance of three senior notes, incorporating a supplemental indenture and legal opinions into its Form F‑3ASR.

What are the sizes and rates of LYG’s new fixed-rate notes?

$1,500,000,000 at 4.425% due 2031 and $1,250,000,000 at 4.943% due 2036.

Did LYG issue a floating-rate tranche?

Yes. It issued $300,000,000 of Senior Callable Floating Rate Notes due 2031.

What exhibits are included with the filing?

The Twenty‑Second Supplemental Indenture and legal opinions from CMS Cameron McKenna Nabarro Olswang LLP and Davis Polk & Wardwell London LLP.

What registration statement does this 6-K relate to?

It is filed solely for incorporation into the company’s automatic shelf registration on Form F‑3ASR (File No. 333‑287829).

Are proceeds or use of proceeds discussed?

No. The filing focuses on documenting the issuances and related exhibits.

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

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Accepted by SEC EDGAR 11/04/2025 - 03:23 PM Learn about SEC filing dates

FORM 6-K

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

Report of Foreign Private Issuer Pursuant to Rule 13a-16 OR 15d-16 UNDER the Securities Exchange Act of 1934

For November 4, 2025

Commission File Number: 001-15246

LLOYDS BANKING GROUP PLC
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 __X__ 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):            

EXPLANATORY NOTE

In connection with the issuance by Lloyds Banking Group plc of (i) $1,500,000,000 aggregate principal amount of 4.425% Senior Callable Fixed to Fixed Rate Notes due 2031, (ii) $1,250,000,000 aggregate principal amount of 4.943% Senior Callable Fixed to Fixed Rate Notes due 2036 and (iii) $300,000,000 aggregate principal amount of Senior Callable Floating Rate Notes due 2031, Lloyds Banking Group plc is filing the following documents solely for incorporation into the Registration Statement on Form F-3ASR (File No. 333-287829):

Exhibit List

Exhibit No.	Description
4.1	Twenty-Second Supplemental Indenture to the Senior Debt Securities Indenture between Lloyds Banking Group plc, The Bank of New York Mellon, acting through its London Branch, as trustee and paying agent, and The Bank of New York Mellon SA/NV, Dublin Branch, as senior debt security registrar, dated as of November 4, 2025
5.1	Opinion of CMS Cameron McKenna Nabarro Olswang LLP
5.2	Opinion of Davis Polk & Wardwell London LLP

SIGNATURES

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 authorized.

			LLOYDS BANKING GROUP PLC (Registrant)
Dated:	November 4, 2025		By:	/s/ Kristofer Middleton
				Name:	Kristofer Middleton
				Title:	Head of Team Issuance and Capital Structuring