The Group provides a wide range of banking and financial services in the UK and in certain locations overseas. The

Group Executive Committee (GEC) of the Lloyds Banking Group remains the chief operating decision maker, as

There has been no change to the descriptions of the segments as provided in note 4 to the Group’s financial


Half-year to 30 June 2026	Retail £m	Commercial Banking £m		Other £m	Total £m

Net interest income	5,138		1,838	149	7,125
Other income	1,408		530	782	2,720
Total income	6,546		2,368	931	9,845
Operating expenses	(3,762)		(1,139)	(776)	(5,677)
Impairment charge	(565)		(47)	–	(612)
Profit before tax	2,219		1,182	155	3,556

External income (expense)	8,337		1,653	(145)	9,845
Inter-segment (expense) income	(1,791)		715	1,076	–
Segment income	6,546		2,368	931	9,845


Half-year to 30 June 2025	Retail £m	Commercial Banking £m	Other £m	Total £m

Net interest income	4,710	1,623	213	6,546
Other income	1,251	544	494	2,289
Total income	5,961	2,167	707	8,835
Operating expenses	(3,715)	(1,156)	(764)	(5,635)
Impairment charge	(342)	(99)	(1)	(442)
Profit before tax	1,904	912	(58)	2,758

External income	7,348	1,431	56	8,835
Inter-segment (expense) income	(1,387)	736	651	–
Segment income	5,961	2,167	707	8,835