Derivative liabilities £m
Derivative financial liabilities
Derivatives [member]
Total financial assets carried at fair value
Financial assets, at fair value
Disclosure of contingent liabilities [line items]
Disclosure of contingent liabilities [line items]
Interest expense
Interest expense
Statistical Measurement [Domain]
Statistical Measurement [Domain]
Losses (gains) recognised in the income statement within other income
Gains (losses) recognised in profit or loss excluding exchange differences, fair value measurement, liabilities
Covered bond programme
Covered Bond Programme [Member]
This member stands for Covered bond programme.
Purchase of property, plant and equipment
Purchase of property, plant and equipment, classified as investing activities
Gross domestic product growth
Key Assumption Of Gross Domestic Product Growth
Key Assumption Of Gross Domestic Product Growth
2030 %
Four Years After Reporting Year [Member]
Four Years After Reporting Year
Dividend paid
Dividends paid, ordinary shares
Loans and advances to banks
Loans and advances to banks
2027 %
One Year After Reporting Year [Member]
One Year After Reporting Year
Levels of fair value hierarchy [domain]
Levels of fair value hierarchy [domain]
Operating expenses
Operating expenses
Total operating expenses
Operating expense
Indemnities and other matters relating to legacy business disposals
Indemnities And Other Matters Relating To Legacy Business Disposals [Member]
Distributions on other equity instruments
Distributions On Other Equity Instruments, Net Of Tax
Loan commitments and financial guarantees
Loan Commitments And Financial Guarantees [Member]
This member stands for loan commitments and financial guarantees.
Disclosure of fair value measurement of liabilities [table]
Disclosure of fair value measurement of liabilities [table]
Inter-segment (expense) income
Elimination of intersegment amounts [member]
Dividends paid to ordinary shareholders
Dividends paid to equity holders of parent, classified as financing activities
Net defined benefit liability (asset) [axis]
Net defined benefit liability (asset) [axis]
Other non-deductible costs
Tax effect of expense not deductible in determining taxable profit (tax loss)
Accounting policies, presentation and estimates
Disclosure Of Basis Of Preparation And Significant Accounting Policies [Abstract]
na
Repurchases and redemptions of other equity instruments
Redemption Of Other Equity Instruments
Redemption Of Other Equity Instruments
Total equity
Beginning balance
Ending balance
Equity
Interest rate ATM volatility
Interest Rate Volatility [Member]
Downside
Downside [Member]
Losses recognised in other comprehensive income within the revaluation reserve in respect of financial assets at FVOCI
Other comprehensive income, net of tax, gains (losses) from investments in equity instruments
Other equity instruments
Other equity interest
Other
Other Financial Assets [Member]
Other Financial Assets
Sales/repayments
Sales, fair value measurement, assets
Distributions on other equity instruments
Distributions On Other Equity Instruments
Purchase of financial assets
Purchase of financial instruments, classified as investing activities
Schedule Of Securitisation And Covered Bond Programmes [Line Items]
Schedule Of Securitisation And Covered Bond Programmes [Line Items]
SECURITISATIONS AND COVERED BONDS (Details) - Schedule of Securitisation and Covered Bond Programmes [Line Items]
Goodwill and other intangible assets
Intangible assets and goodwill
Due to fellow Lloyds Banking Group undertakings
Due to fellow Lloyds Banking Group undertakings
Payables to related parties
Statement of comprehensive income [abstract]
Statement of changes in equity [line items]
Statement of changes in equity [line items]
Other assets
Other assets
Level 1 £m
Level 1 of fair value hierarchy [member]
Repossession risk
Repossession Risk [Member]
Repossession Risk
Schedule of movements in the level 3 financial assets portfolio
Disclosure Of Reconciliation Of Changes In Fair Value Measurement Assets [Table Text Block]
Tabular disclosure of reconciliation of changes in fair value measurement assets.
UK Bank Rate
Key Assumption Of Interest Rate
Key Assumption Of Interest Rate
Max down
Percentage of reasonably possible decrease in unobservable input, assets
Deferred tax
Deferred Tax Relating To Remeasurements Of Defined Benefit Plans Of Other Comprehensive Income
Deferred Tax Relating To Remeasurements Of Defined Benefit Plans Of Other Comprehensive Income
Level 2 £m
Level 2 of fair value hierarchy [member]
Residual impairment and voluntary termination charge
Residual Value And Voluntary Impairment Charges
It represents information about amount of residual impairment charges and voluntary termination.
Schedule of movement in the Group's net post-retirement defined benefit scheme asset during the period
Disclosure Of Movement In Post-Retirement Defined Benefit Obligations [Table Text Block]
Tabular disclosure of movement in the post-retirement defined benefit Obligations.
House price growth
Key Assumption Of House Price Growth
The house price growth used as the significant assumption to determine expected credit loss allowance.
Financial assets at fair value through profit or loss
Financial assets at fair value through profit or loss, category [member]
Profit attributable to equity holders
Profit (loss), attributable to owners of parent
Second quarter 2026 %
Current Year Quarter Two [Member]
Current Year Quarter Two
Statement of financial position [abstract]
Statement of financial position [abstract]
Equity shares
Equity instruments held
Operating expenses
Disclosure of expenses [text block]
Interest expense on other financial liabilities
Interest expense on other financial liabilities
Cover [Abstract]
Judgemental adjustments £m
Other judgements
Other Judgements, Netting [Member]
Other Judgements, Netting
Defined benefit plans [axis]
Defined benefit plans [axis]
Increase (decrease) in fair value measurement for sensitivity analyses in which inputs are changed individually, assets [abstract]
Increase (decrease) in fair value measurement for sensitivity analyses in which inputs are changed individually, assets [abstract]
Impairment
Disclosure of impairment loss and reversal of impairment loss [text block]
Financial liabilities at fair value through profit or loss
Financial liabilities at fair value through profit or loss
Net fee and commission income
Fee and commission income (expense)
Deferred tax assets
Deferred tax assets
Non- controlling interests £m
Non-controlling interests [member]
Total comprehensive income attributable to non-controlling interests
Comprehensive income, attributable to non-controlling interests
Current accounts
Current Accounts
Share premium account
Share premium
Cash flows used in financing activities
Cash flows from (used in) financing activities [abstract]
Total £m
Equity Attributable To Ordinary Shareholders [Member]
Equity Attributable To Ordinary Shareholders
Disclosure of significant unobservable inputs used in fair value measurement of assets [table]
Disclosure of significant unobservable inputs used in fair value measurement of assets [table]
Remeasurement
Decrease (increase) in net defined benefit liability (asset) resulting from gain (loss) on remeasurement in other comprehensive income
Change in operating liabilities
Change In Operating Liabilities
Adjustments for interest expense
Adjustments for interest expense
Schedule Of Principal Actuarial And Financial Assumptions Used In Valuations Of Defined Benefit Pension Schemes [Table]
Schedule Of Principal Actuarial And Financial Assumptions Used In Valuations Of Defined Benefit Pension Schemes [Table]
Total comprehensive income for the period
Comprehensive income
Deferred tax
Deferred Tax Relating To Financial Assets Measured At Fair Value Through Other Comprehensive Income Included In Other Comprehensive Income, Change in Fair Value
Deferred Tax Relating To Financial Assets Measured At Fair Value Through Other Comprehensive Income Included In Other Comprehensive Income, Change in Fair Value
Retained profits
Retained earnings
Measurement [domain]
Measurement [domain]
Document fiscal period focus
Document Fiscal Period Focus
Significant unobservable input, assets
Significant unobservable input, assets
Consumer Price Index (CPI)
CPI [Member]
Represents the information pertaining to Consumer Price Index.
Regulatory and legal provisions £m
Regulatory and legal provisions
Other Provisions For Legal Actions And Regulatory Matters [Member]
Other Provisions for Legal Actions and Regulatory Matters [Member]
Total assets
External assets
Assets
Legal Entity [Axis]
Legal Entity [Axis]
Schedule Of Securitisation And Covered Bond Programmes [Table]
Schedule Of Securitisation And Covered Bond Programmes [Table]
Increase (decrease) in fair value measurement for sensitivity analyses in which inputs are changed individually, liabilities [abstract]
Increase (decrease) in fair value measurement for sensitivity analyses in which inputs are changed individually, liabilities [abstract]
Notes in circulation
Notes In Circulation
No definition available.
Repurchase agreements at amortised cost
Repurchase agreements and cash collateral on securities lent
Derivative financial instruments
Derivative financial assets
Financial Assets [Abstract]
Financial Assets [Abstract]
Financial Assets
Profit attributable to ordinary shareholders
Profit (loss), attributable to ordinary equity holders of parent entity, used in calculating basic earnings per share
Total income
Segment income
Revenue
Disclosure of financial liabilities [table]
Disclosure of financial liabilities [table]
Variable Rate [Domain]
Rate, Variable [Domain]
Rate, Variable
Price index [Axis]
Price Index [Axis]
Financial assets at fair value through profit or loss
Financial assets at fair value through profit or loss
Variable Rate [Axis]
Rate, Variable [Axis]
Share capital £m
Issued capital [member]
Geographical areas [axis]
Geographical areas [axis]
Net defined benefit liability (asset) [domain]
Net defined benefit liability (asset) [domain]
Interest paid on borrowings from parent company
Interest Payments Of Advances And Loans From Related Parties
The cash outflow for interest payments of advances and loans from related parties.
Classes of other provisions [domain]
Classes of other provisions [domain]
Schedule of principal assumptions used in the valuations of the defined benefit pension schemes
Schedule Of Principal Assumptions Used In Valuations Of Defined Benefit Pension Schemes [Table Text Block]
Tabular disclosure of principal assumptions used in the valuations of the defined benefit pension schemes.
Other reserves £m
Other reserves [member]
CPI inflation
Key Assumption Of CPI Inflation
Key Assumption Of CPI Inflation
Irrevocable commitments and guarantees
Irrevocable Commitments
Credit and debit card fees
Credit And Debit Card Fees
Credit And Debit Card Fees
Schedule of relationship between tax expense and accounting profit
Disclosure Of Reconciliation Of Charge Resulting From Applying UK Corporation Tax Rate [Table Text Block]
Schedule of relationship between tax expense and accounting profit.
Probability of default [Axis]
Probability of default [axis]
Basis of preparation and accounting policies
Disclosure Of Basis Of Preparation Of Financial Statements And Significant Accounting Policies [Text Block]
Disclosure Of Basis Of Preparation Of Financial Statements And Significant Accounting Policies
Disclosure of fair value measurement of assets [table]
Disclosure of fair value measurement of assets [table]
Segments
Segments [domain]
Cash and cash equivalents at beginning of period
Cash and cash equivalents at end of period
Cash and cash equivalents
Proceeds from issue of subordinated liabilities
Issued during the period
Proceeds from issue of subordinated liabilities
UK corporation tax thereon at 25.0% (2025: 25.0%)
Tax expense (income) at applicable tax rate
Fourth quarter 2026 %
Current Year Quarter Four [Member]
Current Year Quarter Four
Disclosure Of Accounting Judgements And Estimates [Abstract]
Disclosure Of Accounting Judgements And Estimates [Abstract]
Assets
Assets [abstract]
Credit spreads
Credit spread, measurement input [member]
Total equity and liabilities
Equity and liabilities
Credit cards
Credit Cards [Member]
Credit Cards
Non-taxable (non-deductible) foreign exchange gains (losses)
Tax Effect Of Expense Non-Taxable (Non-Deductible) In Determining Taxable Profit (Tax Loss), Foreign Exchange Gains (Losses)
Tax Effect Of Expense Non-Taxable (Non-Deductible) In Determining Taxable Profit (Tax Loss), Foreign Exchange Gains (Losses)
Provisions
Provisions
Instruments providing security for notes
Instruments Providing Security For Notes
Instruments Providing Security For Notes
Price index [Domain]
Price Index [Domain]
na
Corporate insolvency rates
Corporate Insolvency Rates [Member]
Corporate Insolvency Rates
Fourth quarter 2027 %
One Year After Reporting Year, Quarter Four [Member]
One Year After Reporting Year, Quarter Four
Second quarter 2027 %
One Year After Reporting Year, Quarter Two [Member]
One Year After Reporting Year, Quarter Two
Tax
Disclosure of income tax [text block]
Reconciliation of changes in fair value measurement, assets [abstract]
Reconciliation of changes in fair value measurement, assets [abstract]
Exchange and other adjustments
Increase (decrease) through foreign exchange and other movements, financial assets
Schedule Of Operating Segments [Line Items]
Schedule Of Operating Segments [Line Items]
No definition available.
Disclosure of defined benefit plans [abstract]
Impact of surcharge on banking profits
Impact Of Surcharge On Banking Profits
The amount of impact of surcharge on banking profits.
Deferred tax
Income tax relating to changes in fair value of financial liability attributable to change in credit risk of liability included in other comprehensive income
Probability of default [domain]
Probability of default [domain]
Issue of other equity instruments
Issue Of Other Equity Instruments
The amount of issuance of other equity instruments.
Disclosure of generation of multiple economic assumptions by quarter and by year
Disclosure Of Detailed Information About Total Impact On ECL Per Scenario [Table Text Block]
Disclosure Of Detailed Information About Total Impact On ECL With Stage Allocation Per Scenario Explanatory
Income statement transfers in respect of impairment
Reclassification Adjustments On Impairment Of Financial Assets Measured At Fair Value Through Other Comprehensive Income Before Tax
The amount of reclassification adjustments related to impairment of financial assets measured at fair value through other comprehensive income, before tax.
Prices index
Actuarial assumption of expected rates of inflation
Interest paid on subordinated liabilities
Interest paid, classified as financing activities
Financial assets at amortised cost
Financial assets at amortised cost
Reduction in deferred tax asset
Increase (decrease) in deferred tax liability (asset)
Foreign exchange movements
Increase (decrease) through effect of changes in foreign exchange rates, liabilities arising from financing activities
Commercial Banking
Commercial Banking [Member]
This member represents commercial banking.
Profit attributable to other equity holders
Adjustments to reconcile profit (loss) attributable to owners of parent to numerator used in calculating basic earnings per share
Restructuring provision
Restructuring provision
Instruments providing security for bonds
Instruments Providing Security For Bonds
Instruments Providing Security For Bonds
Allowance For Impairment Losses [Line Items]
Allowance For Impairment Losses [Line Items]
Allowance For Impairment Losses [Line Items]
Global tariff and political disruption risks
Global Tariff and Political Disruption Risks [Member]
Global Tariff and Political Disruption Risks
Related party transactions [abstract]
Related party transactions [abstract]
Categories of financial liabilities [domain]
Categories of financial liabilities [domain]
Cash flows (used in) provided by investing activities
Cash flows from (used in) investing activities [abstract]
Related party transactions
Disclosure of related party [text block]
Classes of financial assets [domain]
Classes of financial assets [domain]
Realised gains and losses on equity shares held at FVOCI
Gains (losses) on financial assets measured at fair value through other comprehensive income, net of tax
Net trading income
Trading income (expense)
Level 3 £m
Level 3 of fair value hierarchy [member]
Critical accounting judgements and key sources of estimation uncertainty
Disclosure of accounting judgements and estimates [text block]
Legal proceedings contingent liability
Legal proceedings contingent liability [member]
Unobservable inputs [Axis]
Unobservable inputs [axis]
Movements in foreign currency translation reserve, net of tax
Other comprehensive income, net of tax, exchange differences on translation of foreign operations
Reconciliation of changes in fair value measurement, liabilities [abstract]
Reconciliation of changes in fair value measurement, liabilities [abstract]
Schedule of operating expenses
Schedule Of Operating Expenses [Table Text Block]
Schedule Of Operating Expenses
Disclosure of defined benefit plans [table]
Disclosure of defined benefit plans [table]
Write-offs and other £m
Decrease through write-off, financial assets
Segment consolidation items [domain]
Segment consolidation items [domain]
First quarter 2027 %
One Year After Reporting Year, Quarter One [Member]
One Year After Reporting Year, Quarter One
Other post-retirement schemes
Other Postretirement Benefit Schemes [Member]
Total transactions with owners
Increase (decrease) through transactions with owners, equity
Other Retail
Retail Other [Member]
n/a
Other equity instruments £m
Other equity interest [member]
Effects of exchange rate changes on cash and cash equivalents
Effect of exchange rate changes on cash and cash equivalents
Schedule Of Allowance Account For Credit Losses Of Financial Assets [Table]
Schedule Of Allowance Account For Credit Losses Of Financial Assets [Table]
Schedule of carrying values and fair values of financial assets and liabilities
Disclosure Of Carrying Values And Fair Values Of Financial Assets And Financial Liabilities [Table Text Block]
Tabular disclosure of carrying values and fair values of financial assets and financial liabilities.
Redemptions
Redemption, Fair Value Measurement, Liabilities
The decrease in the fair value measurement of liabilities resulting from redemption.
Upside
Upside [Member]
Net cash provided by operating activities
Cash flows from (used in) operating activities
Entity [Domain]
Entity [Domain]
Total ECL £m
Expected Credit Losses Individually And Collectively Assessed, Including Judgements Applied [Member]
Expected Credit Losses Individually And Collectively Assessed, Including Judgements Applied
Repurchases and redemptions of other equity instruments
Redemptions Of Other Equity Instruments
Redemptions Of Other Equity Instruments
Debt instruments issued
Debt securities in issue at amortised cost
Debt instruments issued
Geographical areas [domain]
Geographical areas [domain]
Schedule of Group's post-retirement defined benefit scheme obligations
Disclosure Of Post-Retirement Defined Benefit Obligations [Table Text Block]
Tabular disclosure of post-retirement defined benefit Obligations.
Document fiscal year focus
Document Fiscal Year Focus
Retail £m
Retail Segment [Member]
Represents the information pertaining to retail segment.
Due from fellow Lloyds Banking Group undertakings
Financial assets at amortised cost: due from fellow Lloyds Banking Group undertakings
Receivables due from related parties
Tax paid
Income taxes paid, classified as operating activities
Favourable changes
Increase (decrease) in fair value measurement due to reasonably possible increase in unobservable input, liabilities
Individually assessed £m
Expected credit losses individually assessed [member]
Levels of fair value hierarchy [axis]
Levels of fair value hierarchy [axis]
Post-retirement defined benefit scheme remeasurements:
Post-Retirement Defined Benefit Scheme Remeasurements [Abstract]
N/a
Net ECL increase (decrease) £m
Increase (decrease) in financial assets
Premises and equipment costs
Premises And Equipment Cost
Premises and equipment cost.
Classes of other provisions [axis]
Classes of other provisions [axis]
Disclosure of Fair Value Measurement of Financial Assets and Financial Liabilities [Table]
Disclosure Of Fair Value Measurement Of Financial Assets And Financial Liabilities [Table]
Schedule disclosing information related to the fair value measurement of financial assets and financial liabilities.
Schedule of Movement in Subordinated Liabilities
Schedule of Movement in Subordinated Liabilities [Table Text Block]
Schedule of Movement in Subordinated Liabilities
Debt securities in issue
Disclosure of debt instruments [text block]
Future accounting developments
Disclosure of expected impact of initial application of new standards or interpretations [text block]
Other liabilities
Other liabilities
Loans and advances to customers
Loans and advances to customers
Disclosure of allowance for expected credit losses [Abstract]
Disclosure of allowance for expected credit losses [Abstract]
Disclosure of allowance for expected credit losses [Abstract]
Gains (losses) on cash flow hedges, net of tax
Gains (losses) on cash flow hedges, net of tax
Remeasurements before tax
Other comprehensive income, before tax, gains (losses) on remeasurements of defined benefit plans
Entity central index key
Entity Central Index Key
Other comprehensive income that will be reclassified to profit or loss, net of tax
Other comprehensive income that will be reclassified to profit or loss, net of tax
Derivative financial instruments
Derivative financial liabilities
Valuation techniques used in fair value measurement [axis]
Valuation techniques used in fair value measurement [axis]
2029 %
Three Years After Reporting Year [Member]
Three Years After Reporting Year
Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [text block]
Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [text block]
Repayments of borrowings to parent company
Cash repayments of advances and loans from related parties
(Losses) gains recognised in the income statement, within other income, relating to the change in fair value of those assets held
Other comprehensive income, net of tax, gains (losses) on revaluation of property, plant and equipment, right-of-use assets and intangible assets
Gross carrying amount
Gross carrying amount [member]
UK corporation tax rate
Applicable tax rate
Effective portion of changes in fair value taken to other comprehensive income
Gains (losses) on cash flow hedges, before tax
Balances and transactions with Lloyds Banking Group plc and fellow subsidiaries of the Bank
Balances And Transactions With Lloyds Banking Group Plc And Fellow Subsidiaries Of The Bank [Member]
Net fee and commission income
Disclosure of fee and commission income (expense) [text block]
Net interest income
Net interest income
Interest income (expense)
Discounted cash flows
Discounted cash flow [member]
Impaiment (Details) - Schedule of Impairment [Line Items]
Impaiment (Details) - Schedule of Impairment [Line Items]
Impairment (Details) - Schedule of Impairment [Line Items]
Reverse repurchase agreements
Reverse repurchase agreements and cash collateral on securities borrowed
Commercial banking and treasury fees
Commercial Banking And Treasury Fees
The amount of income recognised for commercial banking and treasury fees charged by the entity.
Income statement transfers in respect of disposals, net of tax
Reclassification Adjustments On Disposal Of Financial Assets Measured At Fair Value Through Other Comprehensive Income
Reclassification Adjustments On Disposal Of Financial Assets Measured At Fair Value Through Other Comprehensive Income
Method of assessment of expected credit losses [axis]
Method of assessment of expected credit losses [axis]
Schedule of movements in the level 3 financial liabilities portfolio
Disclosure Of Reconciliation Of Changes In Fair Value Measurement Liabilities [Table Text Block]
Tabular disclosure of reconciliation of changes in fair value measurement liabilities.
Fee and commission income
Total fee and commission income
Fee and commission income
Return of capital contributions
Decrease Through Return On Capital Contributions To Owners, Equity
The decrease in equity through return on capital contributions paid to owners.
Movements in revaluation reserve in respect of FVOCI assets, net of tax:
Movements In Revaluation Reserve In Respect Of Financial Assets Held At Fair Value Through Other Comprehensive Income Net Of Tax [Abstract]
Movements In Revaluation Reserve In Respect Of Financial Assets Held At Fair Value Through Other Comprehensive Income Net Of Tax
Financial liabilities at fair value through profit or loss £m
Financial liabilities at fair value through profit or loss
Financial liabilities at fair value through profit or loss, category [member]
Maximum Exposure
Maximum Exposure [Member]
Max down
Percentage of reasonably possible decrease in unobservable input, liabilities
Non-deductible costs: conduct charges
Non-Deductible Costs: Conduct Charges
The amount of Non-deductible costs relating to conduct charges.
Income statement charge (credit) £m
Impairment loss recognised in profit or loss
Schedule of operating segments
Schedule Of Operating Segments [Text Block]
.
Disclosure of impairment loss and reversal of impairment loss [abstract]
Entity registrant name
Entity Registrant Name
Financial Instruments [Abstract]
n/a
Measurement [axis]
Measurement [axis]
Return of capital contributions
Proceeds From Return Of Capital Contribution
The cash inflow from return of capital contributions.
Dividends paid to non-controlling interests
Dividends paid to non-controlling interests, classified as financing activities
Unemployment rate
Key Assumption Of Unemployment Rate
The unemployment rate used as the significant assumption to determine expected credit loss allowance.
Provisions
Disclosure of provisions [text block]
Statement of cash flows [abstract]
Statement of cash flows [abstract]
UK mortgages
Mortgages [member]
Disclosure of Fair Value Measurement of Financial Assets and Financial Liabilities [Line Items]
Disclosure Of Fair Value Measurement Of Financial Assets And Financial Liabilities [Line Items]
Line items represent concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes of the table.
Loans and advances to customers
Loans to consumers [member]
Schedule Of Principal Actuarial And Financial Assumptions Used In Valuations Of Defined Benefit Pension Schemes [Line Items]
Schedule Of Principal Actuarial And Financial Assumptions Used In Valuations Of Defined Benefit Pension Schemes [Line Items]
Schedule Of Principal Actuarial And Financial Assumptions Used In Valuations Of Defined Benefit Pension Schemes
Adjustments in respect of prior years
Adjustments for current tax of prior periods
Repurchases and redemptions of subordinated liabilities
Repurchases and redemptions during the period
Repayments of subordinated liabilities
Favourable changes
Increase (decrease) in fair value measurement due to reasonably possible increase in unobservable input, assets
Unfavourable changes
Increase (decrease) in fair value measurement due to reasonably possible decrease in unobservable input, assets
Estimated financial effect of contingent liabilities
Estimated financial effect of contingent liabilities
Differences in overseas tax rates
Tax effect of foreign tax rates
Debt securities in issue at amortised cost
Debt instruments issued at amortised cost
Economic assumption period [Axis]
Economic Assumption Period [Axis]
Economic Assumption Period
Gains (losses) before tax
Other comprehensive income, before tax, change in fair value of financial liability attributable to change in credit risk of liability
Non-controlling interests
Non-controlling interests
Debt securities
Debt securities [member]
Change in fair value
Gains (losses) on financial assets measured at fair value through other comprehensive income, before tax
Segment consolidation items [axis]
Segment consolidation items [axis]
Retirement benefit obligations
Disclosure of employee benefits [text block]
Schedule of debt securities in issue
Schedule Of Debt Securities In Issue [Table Text Block]
.
Profit attributable to non-controlling interests
Profit (loss), attributable to non-controlling interests
Equity
Equity [abstract]
Equity shares
Other equity securities [member]
Other
Other expenses, by nature
Disclosure of operating segments [abstract]
Schedule of financial assets carried at fair value by valuation hierarchy
Disclosure of fair value measurement of assets [text block]
Income statement credit
Increase (decrease) in net defined benefit liability (asset) resulting from expense (income) in profit or loss
Gross loan commitments
Gross loan commitments
Movements in cash flow hedging reserve:
Movements In Cash Flow Hedging Reserve [Abstract]
Disclosure of transactions between related parties [line items]
Disclosure of transactions between related parties [line items]
Disclosure of fair value measurement of assets [line items]
Disclosure of fair value measurement of assets [line items]
Other comprehensive income
Other comprehensive income [abstract]
Certificates of deposit issued
Certificates Of Deposit Issued
Certificates of deposit
Total financial liabilities carried at fair value £m
Financial liabilities at fair value, class [member]
Rate of salary increases
Actuarial assumption of expected rates of salary increases
Items that may subsequently be reclassified to profit or loss:
Components of other comprehensive income that will be reclassified to profit or loss, before tax [abstract]
Revaluation reserve in respect of debt securities held at fair value through other comprehensive income
Debt securities
Other comprehensive income, net of tax, financial assets measured at fair value through other comprehensive income
Classes of contingent liabilities [domain]
Classes of contingent liabilities [domain]
Disclosure of fair value measurement of liabilities [line items]
Disclosure of fair value measurement of liabilities [line items]
2026 %
Current Reporting Year [Member]
Current Reporting Year
Financial assets at fair value through other comprehensive income
Financial assets at fair value through other comprehensive income, category [member]
Market values - property valuation
Market approach [member]
Weighted-average rate of increase for pensions in payment
Actuarial assumption of expected rates of pension increases
Classes of financial liabilities [axis]
Classes of financial liabilities [axis]
CONSOLIDATED STATEMENT OF CHANGES IN EQUITY [Abstract]
Consolidated Statement Of Changes In Equity [Abstract]
Classes of financial liabilities [domain]
Classes of financial liabilities [domain]
Schedule of balances and transactions with fellow Lloyds Banking Group undertakings
Schedule Of Transactions Between Related Parties [Table Text Block]
Schedule Of Transactions Between Related Parties
Disclosure of other provisions [line items]
Disclosure of other provisions [line items]
Employer contributions
Decrease (increase) in net defined benefit liability (asset) resulting from resulting from contributions to plan by employer
Schedule of provisions and liabilities
Disclosure of other provisions [text block]
Fair value of scheme assets
Plan assets [member]
Loans and advances to customers
Loans And Advances To Customers [Member]
This member stands for Loans and advances to customers.
Adjustments for interest income
Adjustments for interest income
Disclosure of impairment allowances
Disclosure Of Impairment [Table Text Block]
Schedule Of Allowance Account For Credit Losses Of Financial Assets [Table]
Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [table]
Retail
Retail1 [Member]
Retail1
Other movements (cash and non-cash)
Increase (decrease) through other changes, liabilities arising from financing activities
Share premium £m
Share premium [member]
HPI growth
House Price Index [Member]
House Price Index
Discount rate
Actuarial assumption of discount rates
Total comprehensive income attributable to equity holders
Total comprehensive income attributable to owners of the parent
Comprehensive income, attributable to owners of parent
Third quarter 2027 %
One Year After Reporting Year, Quarter Three [Member]
One Year After Reporting Year, Quarter Three
Changes in non-controlling interests
Increase (decrease) through changes in ownership interests in subsidiaries that do not result in loss of control, equity attributable to owners of parent
Purchases/increases
Purchases, fair value measurement, assets
Total liabilities
External liabilities
Liabilities
Share capital
Issued capital
Financial assets at fair value through other comprehensive income
Financial assets at fair value through other comprehensive income
Financial assets at fair value through other comprehensive income
Net fee and commission income
Net Fee And Commission Income [Abstract]
Increase in current tax liabilities
Increase (Decrease) In Current Tax Liability
Increase (Decrease) In Current Tax Liability
Subordinated liabilities
Disclosure of subordinated liabilities [text block]
Other £m
Other [Member]
This member stands for Other.
Base case
Base Case [Member]
(Losses) gains recognised in the income statement within other income
Gains (losses) recognised in profit or loss including exchange differences, fair value measurement, assets
Tax on currency translation
Income tax relating to exchange differences on translation of foreign operations included in other comprehensive income
Probability-weighted
Probability Weighted [Member]
Categories of financial assets [axis]
Categories of financial assets [axis]
Current tax liabilities
Current tax liabilities, current
Non-cash and other items
Non-Cash And Other Items
Mortgage accounts in specific segments
Mortgage Accounts In Specific Segments [Member]
Mortgage Accounts In Specific Segments
Commercial paper
Commercial papers issued
Provisions at beginning of the period
Provisions at end of the period
Provisions
Other provisions
Fair values of financial assets and liabilities
Disclosure of fair value measurement [text block]
Balance at beginning of period
Balance at end of period
Financial liabilities
Economic assumption period [Domain]
Economic Assumption Period [Domain]
Economic Assumption Period
Type of program [Axis]
Type Of Program [Axis]
Tax expense
Tax expense
Tax expense (income)
Disclosure of other provisions [abstract]
Disclosure of other provisions [abstract]
Deposits from banks
Deposits from banks
Significant unobservable input reasonable assumption, liabilities
Significant unobservable input, liabilities
Residual value impairment and voluntary terminations
Residual Value Impairment And Voluntary Terminations [Member]
Residual Value Impairment And Voluntary Terminations
Proceeds from sale and maturity of financial assets
Proceeds from sales or maturity of financial instruments, classified as investing activities
Cash flows (used in) provided by operating activities
Cash flows from (used in) operating activities [abstract]
Customer deposits
Deposits from customers
Cash and balances at central banks
Cash and bank balances at central banks
Total financial liabilities carried at fair value
Financial liabilities, at fair value
Disclosure of defined benefit plans [line items]
Disclosure of defined benefit plans [line items]
Document period end date
Document Period End Date
Valuation techniques used in fair value measurement [domain]
Valuation techniques used in fair value measurement [domain]
Other operating income
Operating Income Other
The amount of operating income that the entity does not separately disclose in the same statement.
Maximum
Top of range [member]
Shared appreciation rights
Shared Appreciation Rights [Member]
Shared Appreciation Rights
Classes of financial instruments [axis]
Classes of financial instruments [axis]
Scenario [Axis]
Scenario [Axis]
Rate of inflation:
Rate Of Inflation [Abstract]
Schedule of Impairment
Schedule Of Impairment [Table Text Block]
na
Tax-exempt gains on disposals
Tax-Exempt Gains On Disposals
Tax exempt gains on disposals
Remeasurements after tax
Post-retirement defined benefit scheme remeasurements, net of tax
Other comprehensive income, net of tax, gains (losses) on remeasurements of defined benefit plans
Document type
Document Type
Classes of financial assets [axis]
Classes of financial assets [axis]
Fee and commission expense
Fee and commission expense
Fee and commission expense
Fee and commission expense
Senior unsecured notes issued
Notes and debentures issued
Risk variables [axis]
Risk variables [axis]
Tax refunded
Income taxes refund, classified as operating activities
Profit or loss [abstract]
Profit or loss [abstract]
Reclassification adjustments on cash flow hedges, net of tax
Reclassification adjustments on cash flow hedges, net of tax
Statistical Measurement [Axis]
Statistical Measurement [Axis]
Non-taxable income
Tax effect of revenues exempt from taxation
Carrying amount, accumulated depreciation, amortisation and impairment and gross carrying amount [axis]
Carrying amount, accumulated depreciation, amortisation and impairment and gross carrying amount [axis]
Classes of assets [axis]
Classes of assets [axis]
Modelled ECL £m
Expected credit losses collectively assessed [member]
External income (expense)
Operating segments [member]
Schedule of effects of reasonably possible alternative assumptions for categories of level 3 financial assets and financial liabilities
Disclosure of significant unobservable inputs used in fair value measurement of assets [text block]
Allowance for expected credit losses
Disclosure of allowance for credit losses [text block]
Impairment
Impairment charge
Total impairment charge
Impairment loss (reversal of impairment loss) recognised in profit or loss
Total equity excluding non-controlling interests
Total equity excluding non-controlling interests
Equity attributable to owners of parent
Proceeds from sale of goodwill and other intangible assets
Proceeds from sales of intangible assets, classified as investing activities
Range [axis]
Range [axis]
Components of equity [axis]
Components of equity [axis]
Disclosure of financial liabilities [line items]
Disclosure of financial liabilities [line items]
Subordinated liabilities [abstract]
Deferred tax liabilities
Deferred tax liabilities
Factoring
Factoring Fees
The amount of income recognised for factoring fees charged by the entity.
Profit before tax
Profit before tax
Profit (loss) before tax
Total other comprehensive (loss) income for the period, net of tax
Other comprehensive income
Restricted cash and cash equivalents
Cash Deposits Held Restricted In Use To Securitisation And Covered Bonds
Cash Deposits Held Restricted In Use To Securitisation And Covered Bonds
Scottish Widows
Scottish Widows [Member]
Scottish Widows
Deferred tax
Deferred Tax Relating To Financial Assets Measured At Fair Value Through Other Comprehensive Income Included In Other Comprehensive Income, Income Statement Transfers in Respect of Disposals
Deferred Tax Relating To Financial Assets Measured At Fair Value Through Other Comprehensive Income Included In Other Comprehensive Income, Income Statement Transfers in Respect of Disposals
Financial Liabilities [Abstract]
Financial Liabilities [Abstract]
Financial Liabilities
Contingent liabilities, commitments and guarantees
Contingent Liabilities, Commitments And Guarantees [Abstract]
Schedule of financial liabilities carried at fair value by valuation hierarchy
Disclosure of fair value measurement of liabilities [text block]
Extension of modelled lifetime on retail revolving products
Extension Of Modelled Lifetime On Retail Revolving Products [Member]
Loss given default alignment (LGD)
Loss Given Default Alignment (LGD) [Member]
Loss Given Default Alignment (LGD)
Disclosure of other provisions [table]
Disclosure of other provisions [table]
Retirement benefit assets
Net defined benefit asset
Max up
Percentage of reasonably possible increase in unobservable input, liabilities
Borrowings from parent company
Cash advances and loans from related parties
Classes of financial instruments [domain]
Classes of financial instruments [domain]
Capital contributions received
Increase Through Capital Contributions By Owners, Equity
The increase in equity through capital contributions by owners.
Losses (gains) recognised in the income statement, within other income, relating to the change in fair value of those liabilities held
Gains (losses) recognised in other comprehensive income excluding exchange differences, fair value measurement, liabilities
Transactions with owners
Transactions With Owners [Abstract]
Items that will not subsequently be reclassified to profit or loss:
Components of other comprehensive income that will not be reclassified to profit or loss, before tax [abstract]
Dilapidations, rent reviews and other property related matters
Dilapidations, Rent Reviews And Other Property Related Matters [Member]
Dilapidations, Rent Reviews And Other Property Related Matters
Price
Price, Measurement Input [Member]
Price, Measurement Input
Gains and losses attributable to own credit risk:
Gains And Losses Attributable To Own Credit Risk [Abstract]
Disclosure of significant unobservable inputs used in fair value measurement of assets [line items]
Disclosure of significant unobservable inputs used in fair value measurement of assets [line items]
Other £m
Miscellaneous other provisions [member]
Other reserves
Other reserves
Allowance for expected credit losses
Accumulated impairment [member]
Motor commission review
Motor Commission Review [Member]
Motor Commission Review
Contingent liabilities, commitments and guarantees
Disclosure of commitments and contingent liabilities [text block]
Defined benefit plans [domain]
Defined benefit plans [domain]
Net cash used in investing activities
Cash flows from (used in) investing activities
Change in cash and cash equivalents
Increase (decrease) in cash and cash equivalents after effect of exchange rate changes
Exchange and other adjustments
Increase (Decrease) Through Net Exchange Differences And Other Adjustments, Provision
The increase (decrease) in other provisions resulting from foreign currency exchange rate changes on provisions measured in a currency different from the entity's presentation currency.
Net pension scheme asset
Defined Benefit Pension Schemes [Member]
Subordinated liabilities
Subordinated liabilities at the beginning of the period
Subordinated liabilities at the end of the period
Subordinated liabilities
Net cash (used in) provided by financing activities
Cash flows from (used in) financing activities
Lloyds Banking Group plc
Lloyds Banking Group plc [Member]
Lloyds Banking Group plc
Tax relief on coupons on other equity instruments
Tax Effect On Tax Relief on Coupons on Other Equity Instruments
The amount that represents the difference between the tax expense (income) and the product of the accounting profit multiplied by the applicable tax rate(s) that relates to tax exemption on coupons on other equity instruments.
Staff costs
Employee benefits expense
Number of class actions named as defendant
Number of Class Actions Named As Defendant
Number of Class Actions Named As Defendant
Proceeds from issue of other equity instruments
Proceeds from issuing other equity instruments
Total comprehensive income attributable to other equity holders
Comprehensive Income Attributable To Other Equity Holders
Statement of changes in equity [table]
Statement of changes in equity [table]
Change in operating assets
Change In Operating Assets
Segments [axis]
Segments [axis]
Total comprehensive income attributable to ordinary shareholders
Comprehensive Income Attributable To Ordinary Shareholders
Classes of assets [domain]
Classes of assets [domain]
Current fiscal year end date
Current Fiscal Year End Date
Proceeds from sale of property, plant and equipment
Proceeds from sales of property, plant and equipment, classified as investing activities
Interest rate derivatives
Interest Rate Derivative [Member]
This member stands for interest rate derivatives.
Disclosure of transactions between related parties [table]
Disclosure of transactions between related parties [table]
Gains and (losses) net of tax
Gains and losses attributable to own credit risk, net of tax
Other comprehensive income, net of tax, change in fair value of financial liability attributable to change in credit risk of liability
Current tax
Current Tax Relating To Remeasurements Of Defined Benefit Plans Of Other Comprehensive Income
Current Tax Relating To Remeasurements Of Defined Benefit Plans Of Other Comprehensive Income
Interest income on other financial assets
Interest income on other financial assets
Minimum
Bottom of range [member]
Impairment (Details) - Schedule of Impairment [Table]
IMPAIRMENT (Details) - Schedule of Impairment [Table]
IMPAIRMENT (Details) - Schedule of Impairment [Table]
Debt securities
Debt instruments held
At amortised costs
Financial liabilities at amortised cost, category [member]
Income taxes paid (refund) [abstract]
Financial assets held at amortised cost
Financial assets at amortised cost, category [member]
Profit after tax
Profit for the period
Profit (loss)
Other income
Other income
Other revenue
Cash flow hedging reserve
Movements in cash flow hedge reserve, net of tax
Other comprehensive income, net of tax, cash flow hedges
Balance at beginning of period
Balance at end of period
Allowance for expected credit losses
Opening ECL
Closing ECL
Financial assets
Amendment flag
Amendment Flag
Components of equity [domain]
Components of equity [domain]
2028 %
Two Years After Reporting Year [Member]
Two Years After Reporting Year
Loans and advances to banks
Loans And Advances To Banks [Member]
This member stands for Loans and advances to banks.
Dividends (note 14)
Dividends recognised as distributions to owners
Allowance for impairment losses
Allowance For Impairment Losses [Table]
Movements in revaluation reserve in respect of debt securities held at FVOCI:
Financial assets measured at fair value through other comprehensive income [abstract]
2026 to 2030 average %
Weighted average [member]
Commercial real estate price growth
Key Assumption Of Commercial Real Estate Price Growth
The CRE price growth used as the significant assumption to determine expected credit loss allowance.
Net asset value
Net asset value [member]
Provisions for financial commitments and guarantees
Provision for credit commitments [member]
Disclosure Of Dividends [Abstract]
Segmental analysis
Disclosure of entity's operating segments [text block]
Current tax recoverable
Current tax assets
Risk variables [domain]
Risk variables [domain]
Method of assessment of expected credit losses [domain]
Method of assessment of expected credit losses [domain]
Securitisation programme
Securitisation Programme [Member]
This member stands for Securitisation programme.
Provisions applied
Provision used, other provisions
Third quarter 2026 %
Current Year Quarter Three [Member]
Current Year Quarter Three
Range [domain]
Range [domain]
Capital commitments
Capital commitments
Classes of contingent liabilities [axis]
Classes of contingent liabilities [axis]
Retained profits £m
Retained earnings [member]
Operating expenses
Disclosure of Expenses [Abstract]
Unfavourable changes
Increase (decrease) in fair value measurement due to reasonably possible decrease in unobservable input, liabilities
Interest income
Interest income
Type of program [Domain]
Type Of Program [Domain]
na
Recurring fair value measurement
Recurring fair value measurement [member]
Disclosure of contingent liabilities [table]
Disclosure of contingent liabilities [table]
Securitisation notes
Securitisation Notes
Present value of funded obligations
Present value of defined benefit obligation [member]
Retail Price Index (RPI)
RPI [Member]
Represents the information pertaining to the Retail Price Index.
Scenario [Domain]
Scenario [Domain]
Fee and commission income:
Fee and commission income [abstract]
Depreciation and amortisation
Depreciation and amortisation expense
Schedule of fee and commission income
Disclosure Of Fee And Commission Income Expense Explanatory [Table Text Block]
Tabular disclosure of fee and commission income.
Liabilities
Liabilities [abstract]
Covered bonds
Bonds issued
Debt securities in issue
Debt Securities In Issue [Abstract]
N/A
Total financial assets carried at fair value £m
Financial assets at fair value, class [member]
Income statement transfers in respect of disposals
Reclassification Adjustments On Disposal Of Financial Assets Measured At Fair Value Through Other Comprehensive Income Before Tax
The amount of reclassification adjustments related to disposal of financial assets measured at fair value through other comprehensive income, before tax.
Categories of financial assets [domain]
Categories of financial assets [domain]
Motor Finance
Motor Finance [Member]
Net carrying amount
Carrying amount [member]
Dividends on ordinary shares
Disclosure of dividends [text block]
Comprehensive income
Comprehensive income [abstract]
Max up
Percentage of reasonably possible increase in unobservable input, assets
Adjustments for:
Adjustments For [Abstract]
Schedule Of Operating Segments [Table]
Schedule Of Operating Segments [Table]
No definition available.
Unobservable inputs [domain]
Unobservable inputs [domain]
NETHERLANDS
NETHERLANDS
Total amounts recognised in the balance sheet
Asset at 1 January 2026
Asset at 30 June 2026
Net defined benefit liability (asset)
Ordinary shareholders’ equity
Shareholders' Equity
No definition available.
Schedule Of Allowance Account For Credit Losses Of Financial Assets [Line Items]
Schedule Of Allowance Account For Credit Losses Of Financial Assets [Line Items]
Other fees and commissions
Other fee and commission income
Categories of financial liabilities [axis]
Categories of financial liabilities [axis]
Deferred tax
Deferred Income Tax Relating To Cash Flow Hedges Of Other Comprehensive Income, Net Income Statement Transfers
Deferred Income Tax Relating To Cash Flow Hedges Of Other Comprehensive Income, Net Income Statement Transfers
Deferred tax
Deferred Income Tax Relating To Cash Flow Hedges Of Other Comprehensive Income, Effective Portion of Changes in Fair Value
Deferred Income Tax Relating To Cash Flow Hedges Of Other Comprehensive Income, Effective Portion of Changes in Fair Value
Severe downside
Severe Downside [Member]
Fair value
At fair value [member]
Securitisation notes and other
Securitisations [member]
Option pricing model
Option pricing model [member]
Purchase of other intangible assets
Purchase of intangible assets, classified as investing activities
Retirement benefit obligations
Retirement benefit obligations
Net defined benefit liability
First quarter 2026 %
Current Year Quarter One [Member]
Current Year Quarter One
Net income statement transfers
Reclassification adjustments on cash flow hedges, before tax
Charge for the period
(Unused Provision Reversed)/ Additional Provision Charged, Other Provisions
(Unused Provision Reversed)/ Additional Provision Charged, Other Provisions