Lloyds Banking SEC Filings

Lloyds Banking Group (LYG) reported robust Q3 2025 year‑to‑date performance, balancing growth with a one‑off charge. Statutory profit after tax was £3.3 billion, with net income up 6%. Underlying net interest income reached £10.1 billion (up 6%) as the banking net interest margin improved to 3.04% for the nine months and 3.06% in Q3. Underlying other income rose 9% to £4.5 billion.

Costs and remediation weighed on results. Operating costs rose 3% to £7.2 billion. Remediation costs were £912 million, including an £800 million charge related to motor finance commission arrangements, taking the total motor finance provision to £1.95 billion. Asset quality remained strong, with an underlying impairment charge of £618 million and an 18 bps asset quality ratio.

Balance sheet and capital stayed solid. Loans grew £18.0 billion to £477.1 billion and deposits increased £14.0 billion to £496.7 billion. The CET1 ratio was 13.8%, with capital generation of 110 bps (141 bps excluding the Q3 motor finance charge). Guidance now includes underlying net interest income of c.£13.6 billion, operating costs of c.£9.7 billion (excluding the Schroders Personal Wealth acquisition), an asset quality ratio of c.20 bps, return on tangible equity of c.12% (c.14% excluding the charge), and capital generation of c.145 bps.

Lloyds Banking Group plc furnished a Form 6-K that incorporates by reference a capitalisation table into its existing shelf registration. The filing states that the report is deemed part of the company’s Registration Statement on Form F-3 (File No. 333-287829).

The incorporated exhibit is a capitalisation table as at 30 September 2025 (Exhibit 99.1). This is an administrative update to the registration record and does not announce a transaction.

Lloyds Banking Group reported unaudited nine‑month 2025 results. Statutory profit before tax was £4,678 million, down 9% year on year, as higher total income was more than offset by a significant remediation charge and higher impairments. Profit after tax was £3,322 million and basic earnings per share was 4.8 pence (5.3 pence a year ago).

Total income rose to £14,252 million, up 6%. Net interest income increased 7% to £9,808 million on higher interest‑earning assets and a stronger hedge contribution, partially offset by mortgage margin compression and deposit mix headwinds. Operating expenses were £8,955 million, reflecting inflation, investment, and an increased remediation charge related to motor finance commission arrangements.

The Group recognised £912 million of remediation in the period, including an £800 million Q3 charge, taking the motor finance provision to £1,950 million. The impairment charge was £619 million versus £272 million last year. On the balance sheet, total assets were £937,464 million, with customer deposits at £496,722 million. The CET1 ratio was 13.8% (14.2% at year‑end 2024) and risk‑weighted assets were £232.3 billion.

Lloyds Banking Group plc reported routine buyback activity. On 22 October 2025, the company repurchased 763,230 ordinary shares as part of its existing programme, executed by Morgan Stanley & Co. International plc.

The volume‑weighted average price was 83.8104p, with a high of 84.1000p and a low of 83.6800p. Lloyds intends to cancel these shares. The purchases were made under instructions issued on 20 February 2025 and announced on 21 February 2025.

Lloyds Banking Group reported a routine buyback execution. On 21 October 2025, the company purchased 7,528,113 ordinary shares via Morgan Stanley & Co. International plc as part of its existing share repurchase programme. The shares were bought at prices ranging from 82.9400 pence to 83.7000 pence, with a volume‑weighted average price of 83.2404 pence. Lloyds intends to cancel these shares, reducing the share count in line with the programme’s objectives.

Lloyds Banking Group plc reported a buyback transaction of its ordinary shares on 17 October 2025. The company purchased 38,731,683 shares from Morgan Stanley & Co. International plc under its existing buyback programme and intends to cancel these shares.

The price range for the day’s purchases was 81.8800p to 84.0200p, with a volume‑weighted average price of 82.9477p. The trade breakdown is available via the linked schedule. Cancelling the repurchased shares reduces the number of shares in issue.

Lloyds Banking Group plc reported a routine buyback execution. On 16 October 2025, the company purchased 5,426,152 ordinary shares from Morgan Stanley & Co. International plc as part of its existing share buyback programme initiated via instructions on 20 February 2025 and announced on 21 February 2025.

The purchases were made at prices between 83.8800p and 84.9200p, with a volume‑weighted average price of 84.3040p. The company intends to cancel these shares.

Lloyds Banking Group announced on 23 September 2025 that it purchased 8,024,077 ordinary shares as part of its existing share buyback programme. The shares were bought from Morgan Stanley & Co. International plc at prices between 81.56p and 82.60p, with a volume-weighted average price of 82.0920p. The purchases were effected under instructions given on 20 February 2025 and the Company intends to cancel these shares. A full breakdown of individual trades is available in the announcement schedule via the provided RNS link. The disclosure was filed on Form 6-K for regulatory reporting purposes.

Lloyds Banking Group executed a share buyback on 22 September 2025, purchasing 10,215,224 ordinary shares via Morgan Stanley & Co. International plc. The highest price paid was 82.4200 pence, the lowest 81.7400 pence and the volume weighted average price was 82.0500 pence. These purchases were made under the company’s existing buyback programme as instructed on 20 February 2025 and announced 21 February 2025. The Company intends to cancel the shares it purchased. A full schedule of the individual trades is available from the regulatory announcement link provided by the Company.