Lloyds Banking Group posted a Strong Set of Results for the First Half of 2025, Highlighting Substaned Financial Momentum, Disciplined Management, and Further Delivery on its Strategic Priorities.
Financial Highlights
| Metric | H1 2025 | vs H1 2024 |
|---|---|---|
| Net Inome | £ 8.9 billion | +6% |
| Statuory Profit After Tax | £ 2.54 billion | +4% |
| Operating Costs | £ 4.9 billion | +4% |
| Underlying Profit | £ 3.56 billion | +2% |
| CET1 Ratio | 13.8% | – |
| Interim Dividend | 1.22p/Share | +15% |
| Tangible net Asset Value | 54.5p/Share | +2.1p |
- TOTAL INCOME Rose to £ 9.39 Billion, UP 6%, with net Interst Incom of £ 6.48 billion (+7%) Benefitting from Higher Asset Volumes and Margins.
- Customer Loans INCREASED BY £ 11.9 Billion to £ 471 Billion, with £ 10.1 Billion of Retail Loans Showing Consumer Strength.
- Deposits Grew £ 11.2 Billion to £ 493.9 Billion, With Both Retail and Commercial Arms Recording Gains.
- The Bank’s Statuory Profit Before Tax rear £ 3.5 billion, UP 5%.
Operational and Strategic Progress
- Lloyds Credited ITS Robust Results to enhanced digital engagement, Advances in Technology, and Focused Strategic Investment. More than £ 1 Billion in Additional Annualized Revenue Has Been Delivered Via New Growth Initiatives.
- Operating Costs Remaled Well Controlled Evite inflationary pressures, AIDED by Cost-Saving Programs and Efficient Gains.
- The Interim Ordinary Dividend Was Lifted by 15%, Reflecting Management’s Confidence in the Outlook.
ASSET QUALITY & CAPITAL
- The Impairment Charge was £ 442 million, up from £ 100 million a year Earlier, With Asset Quality Remaining Solid and The Charge Primarily Attributed to a Small Number of Commercial Defaults.
- The CET1 Ratio Capital STANDS AT A STRONG 13.8%, Supporting Capital Distributions and Future Flexibility.
- Lloyds Reaffirmed Its Guidance for 2025 and Remains On Track To Meet Or Exceed ITS Strategic Targets for 2026.
Group Chief Executive Charlie Nunn Highlightd Continued Incom Growth, Prudent Cost Discipline, Robust Capital Generation, and Increased Value for Shareholders. The results were cited as evidence of Lloyds “” Purpose-Driven Strategy “and positioning for substantial, Higher Returns in the Years Ahead.
