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Lloyds Banking Group plc

Lloyds Banking Group, One of the largest British banks

 

Presentation of the Company


Lloyds Banking Group (LSE: LLOY) is a British bank based in London, United Kingdom, whose origins date back to 1765. It is one of the "big five" banks in the UK (third-largest by assets) (encyclopedia). Its revenues come mainly from its retail and commercial banking activities. The bank has an international presence through its numerous subsidiaries.

Lloyds Banking Group's (LSE: LLOY) main competitors are HSBC, Barclays, NatWest.

Source : statista.com

Source : statista.com

 

History of Lloyds

 

Lloyds Bank is one of the oldest banks in England, founded in 1765. In 1995, Lloyds merged with TSB Group to form Lloyds TSB Group. In 2009, Lloyds TSB acquires HBOS, the holding company of Bank of Scotland and is then renamed into Lloyds Banking Group (LSE: LLOY). This merger will have made it inherit the problems of HBOS related to the crisis of 2008, forcing the government to reinject money.

Between 2013 and 2015, the British government sold, over time, almost all of its shares in the bank (which were about 35%). This, coupled with the fallout from the 2008 crisis, will be responsible for the loss of more than 45,000 jobs over the period 2008-2015. In May 2017, the British government completely divested from Lloyds.

Today, Lloyds Banking Group (LSE: LLOY) is still one of the four largest English banks.

 

Source : tradingview.com

Source : statista.com

 

The Market

 

Lloyd Banking Group's (LSE: LLOY) activities are divided into four: retail banking, commercial banking, insurance/wealth management and other activities. The services offered are common to other players in the banking sector, whether it be lending, insurance, or financial advice...

The banking system has existed for centuries, and has of course undergone many evolutions until today. Almost every individual now has a bank account, uses banking services in his or her life, and this all over the world.

The economic and political context has a huge impact on this market. Purchasing power or new regulations are for example important criteria for banking institutions.

Source : statista.com

Source : statista.com

 

Key Figures and Financial Ratios

 

Market capitalization as of June 2022: £35.48 billion 1

Revenue: £17.127bn 2(2021)

Net income: £5.784bn 3(2021)

Dividends paid: Twice a year

Earnings per share: $0.07 (2021) )4(2021)

Price to earnings ratio: ≃5.8x 5(2022)

Debt to capital ratio: 1.71 6(2022)

Source : statista.com

Source : statista.com

Graniteshares Offering Products

DIAGEO

Sources

  1. Market capitalization of Lloyds Banking Group (LYG) companies market cap
  2. Lloyds Bank Annual Report
  3. Lloyds Bank Investors
  4.   Lloyds Bank Investors
  5. P/E Ratio for Lloyds Banking Group plc   Finbox
  6. Lloyds Banking Group Debt to Equity Ratio | LYG    macrotrends

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