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Lloyds Bank plc: 2025 Half-Year Results

1. Lloyds Bank plans strategic goals and objectives for upcoming years. 2. Forward-looking statements reflect uncertainty in financial performance. 3. Market risks include geopolitical tensions and economic conditions.

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Why Neutral?

While Lloyds outlines its goals, uncertainty remains due to geopolitical risks. Historical market reactions to such risks have often led to stagnation in stock prices.

How important is it?

The article's focus on future goals indicates strategic direction, though uncertainties diminish immediate impact. Investor interest can be sustained if progress is conveyed in upcoming reports.

Why Long Term?

Long-term financial performance will be influenced by economic and geopolitical conditions. Similar past uncertainties have affected investor confidence over extended periods.

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HSBCBARCRBS
July 24, 2025 09:56 ET  | Source: Lloyds Bank PLC LONDON, July 24, 2025 (GLOBE NEWSWIRE) -- Lloyds Bank plc 2025 Half-Year Results 24 July 2025 Member of the Lloyds Banking Group CONTENTS Forward-looking statements1  Statutory information (IFRS) Condensed consolidated balance sheet (unaudited)2Condensed consolidated income statement (unaudited)2  Financial review3  Risk management Principal risks and uncertainties5Capital risk6Credit risk10Liquidity risk20  Statutory information Condensed consolidated half-year financial statements (unaudited)21Condensed consolidated income statement (unaudited)22Condensed consolidated statement of comprehensive income (unaudited)23Condensed consolidated balance sheet (unaudited)24Condensed consolidated statement of changes in equity (unaudited)25Condensed consolidated cash flow statement (unaudited)28Notes to the condensed consolidated half-year financial statements (unaudited)29  Statement of directors' responsibilities52Independent review report to Lloyds Bank Plc53Contacts54 FORWARD-LOOKING STATEMENTS This document contains certain forward-looking statements within the meaning of Section 21E of the US Securities Exchange Act of 1934, as amended, and section 27A of the US Securities Act of 1933, as amended, with respect to the business, strategy, plans and/or results of Lloyds Bank plc together with its subsidiaries (the Lloyds Bank Group) and its current goals and expectations. Statements that are not historical or current facts, including statements about the Lloyds Bank Group's or its directors' and/or management's beliefs and expectations, are forward-looking statements. Words such as, without limitation, 'believes', 'achieves', 'anticipates', 'estimates', 'expects', 'targets', 'should', 'intends', 'aims', 'projects', 'plans', 'potential', 'will', 'would', 'could', 'considered', 'likely', 'may', 'seek', 'estimate', 'probability', 'goal', 'objective', 'deliver', 'endeavour', 'prospects', 'optimistic' and similar expressions or variations on these expressions are intended to identify forward-looking statements. These statements concern or may affect future matters, including but not limited to: projections or expectations of the Lloyds Bank Group's future financial position, including profit attributable to shareholders, provisions, economic profit, dividends, capital structure, portfolios, net interest margin, capital ratios, liquidity, risk-weighted assets (RWAs), expenditures or any other financial items or ratios; litigation, regulatory and governmental investigations; the Lloyds Bank Group's future financial performance; the level and extent of future impairments and write-downs; the Lloyds Bank Group's ESG targets and/or commitments; statements of plans, objectives or goals of the Lloyds Bank Group or its management and other statements that are not historical fact and statements of assumptions underlying such statements. By their nature, forward-looking statements involve risk and uncertainty because they relate to events and depend upon circumstances that will or may occur in the future. Factors that could cause actual business, strategy, targets, plans and/or results (including but not limited to the payment of dividends) to differ materially from forward-looking statements include, but are not limited to: general economic and business conditions in the UK and internationally (including in relation to tariffs); imposed and threatened tariffs and changes to global trade policies; acts of hostility or terrorism and responses to those acts, or other such events; geopolitical unpredictability; the war between Russia and Ukraine; the escalation of conflicts in the Middle East; the tensions between China and Taiwan; political instability including as a result of any UK general election; market related risks, trends and developments; changes in client and consumer behaviour and demand; exposure to counterparty risk; the ability to access sufficient sources of capital, liquidity and funding when required; changes to the Lloyds Bank Group's or Lloyds Banking Group plc's credit ratings; fluctuations in interest rates, inflation, exchange rates, stock markets and currencies; volatility in credit markets; volatility in the price of the Lloyds Bank Group's securities; natural pandemic and other disasters; risks concerning borrower and counterparty credit quality; risks affecting defined benefit pension schemes; changes in laws, regulations, practices and accounting standards or taxation; changes to regulatory capital or liquidity requirements and similar contingencies; the policies and actions of governmental or regulatory authorities or courts together with any resulting impact on the future structure of the Lloyds Bank Group; risks associated with the Lloyds Bank Group's compliance with a wide range of laws and regulations; assessment related to resolution planning requirements; risks related to regulatory actions which may be taken in the event of a bank or Lloyds Bank Group or Lloyds Banking Group failure; exposure to legal, regulatory or competition proceedings, investigations or complaints; failure to comply with anti-money laundering, counter terrorist financing, anti-bribery and sanctions regulations; failure to prevent or detect any illegal or improper activities; operational risks including risks as a result of the failure of third party suppliers; conduct risk; technological changes and risks to the security of IT and operational infrastructure, systems, data and information resulting from increased threat of cyber and other attacks; technological failure; inadequate or failed internal or external processes or systems; risks relating to ESG matters, such as climate change (and achieving climate change ambitions) and decarbonisation, including the Lloyds Bank Group's or the Lloyds Banking Group's ability along with the government and other stakeholders to measure, manage and mitigate the impacts of climate change effectively, and human rights issues; the impact of competitive conditions; failure to attract, retain and develop high calibre talent; the ability to achieve strategic objectives; the ability to derive cost savings and other benefits including, but without limitation, as a result of any acquisitions, disposals and other strategic transactions; inability to capture accurately the expected value from acquisitions; and assumptions and estimates that form the basis of the Lloyds Bank Group's financial statements. A number of these influences and factors are beyond the Lloyds Bank Group's control. Please refer to the latest Annual Report on Form 20-F filed by Lloyds Bank plc with the US Securities and Exchange Commission (the SEC), which is available on the SEC's website at www.sec.gov, for a discussion of certain factors and risks. Lloyds Bank plc may also make or disclose written and/or oral forward-looking statements in other written materials and in oral statements made by the directors, officers or employees of Lloyds Bank plc to third parties, including financial analysts. Except as required by any applicable law or regulation, the forward-looking statements contained in this document are made as of today's date, and the Lloyds Bank Group expressly disclaims any obligation or undertaking to release publicly any updates or revisions to any forward-looking statements contained in this document whether as a result of new information, future events or otherwise. The information, statements and opinions contained in this document do not constitute a public offer under any applicable law or an offer to sell any securities or financial instruments or any advice or recommendation with respect to such securities or financial instruments. CONTACTS For further information please contact: INVESTORS AND ANALYSTS Douglas Radcliffe Group Investor Relations Director 020 7356 1571 douglas.radcliffe@lloydsbanking.com Rohith Chandra-Rajan Director of Investor Relations 07353 885 690 rohith.chandra-rajan@lloydsbanking.com Nora Thoden Director of Investor Relations - ESG 020 7356 2334 nora.thoden@lloydsbanking.com Tom Grantham Investor Relations Senior Manager 07851 440 091 thomas.grantham@lloydsbanking.com Sarah Robson Investor Relations Senior Manager 07494 513 983 sarah.robson2@lloydsbanking.com CORPORATE AFFAIRS Matt Smith Head of Media Relations 07788 352 487 matt.smith@lloydsbanking.com Emma Fairhurst Media Relations Senior Manager 07814 395 855 emma.fairhurst@lloydsbanking.com Copies of this News Release may be obtained from:Investor Relations, Lloyds Banking Group plc, 33 Old Broad Street, London, EC2N 1HZThe statement can also be found on the Group's website - www.lloydsbankinggroup.com Registered office: Lloyds Bank plc, 25 Gresham Street, London, EC2V 7HNRegistered in England No. 2065 Click on, or paste the following link into your web browser, to view the associated PDF document. http://www.rns-pdf.londonstockexchange.com/rns/4360S_1-2025-7-24.pdf This information is provided by RNS, the news service of the London Stock Exchange. RNS is approved by the Financial Conduct Authority to act as a Primary Information Provider in the United Kingdom. Terms and conditions relating to the use and distribution of this information may apply. For further information, please contact rns@lseg.com or visit www.rns.com.

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