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Lloyds Banking Group PLC ADR - Stock Quote LYG

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Morningstar's Lloyds Banking Group PLC ADR Stock Analysis

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Lloyds Comfortably Beats Consensus Estimates and Improves NIM Guidance; Raise FVE to GBX 68

Niklas Kammer, CFA Equity Analyst

Business Strategy and Outlook

| Niklas Kammer, CFA |

Lloyds is a pure U.K. banking play, with 95% of its assets based domestically. Since its massive restructuring, which started in 2011, the bank has emerged as a low-risk domestic retail and commercial bank. It has shed about GBP 190 billion in runoff assets and GBP 200 billion in risk-weighted assets and has significantly reduced its dependence on wholesale funding. Today, Lloyds operates one of the strongest retail franchises in the United Kingdom.

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Lloyds Banking Group PLC ADR's Company Profile

Business Description

Lloyds Banking Group PLC is a retail and commercial bank headquartered in the United Kingdom. The bank operates via three business segments: retail, commercial banking, and insurance and wealth. In retail, Lloyds offers primarily mortgages (66% of loan portfolio), credit cards, and current accounts to its customers. Its commercial banking operation provides lending, transaction banking, working capital management, and debt capital market services to large corporates and financial institutions in the U.K. Insurance and wealth rounds out the product lineup with life and property insurance as well as pension solutions and high-net-worth asset-management services.

25 Gresham Street
London, EC2V 7HN, United Kingdom
T +44 2073562104
Sector Financial Services
Industry Banks - Regional
Most Recent Earnings Mar 31, 2022
Fiscal Year End Dec 31, 2022
Stock Type
Employees 57,955

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