Most notably, the strategy transitions the Group into a more growth-centric mindset. A number of these influences and factors are beyond the Group's control. 24 February 2021 LLOYDS BANKING GROUP PLC -ANNUAL REPORT AND ACCOUNTS FOR THE YEAR ENDED 31 DECEMBER 2020 In accordance with Listing Rule 9.6.1, Lloyds Banking Group plc has submitted today the following document to the National Storage Mechanism. Lloyds delivered a number of key successes during 2020 across all three strategic priorities, despite the impact of COVID-19. The next phase of our strategy, Strategic Review 2021, is focused on Helping Britain Recover and further enhancing our core capabilities. DBRS Morningstar does not authorize their . Semi-detached topped movers choices in the North of England, while in London, flats (37%) were the most common property. . Help rebuild households financial health and wellbeing, Support businesses to recover, adapt and grow, Expand availability of affordable and quality homes, Accelerate the transition to a low carbon economy. This includes diversifying our revenue streams and capitalising on the potential of establishing a greater digital capability across our segments. Third parties, such as Lloyds syndicates, have provided some of the information on this web site and Lloyds has not verified its accuracy and completeness. Authorisation can be checked on the Financial Services Register at:www.fca.org.uk. You will also have seen that our results included a charge of 790 million for HBOS Reading, with 600 million recognised in the fourth quarter to reflect the estimated future cost of the process and redress. statutory profit after taxStatutory profit after tax reduced significantly, largely due to increased impairments given the deterioration in the economic outlook. First-time buyers now make up 50% of home buyers in Scotland, compared to 37% in 2009. Welcome to Lloyds the worlds insurance marketplace. Through a range of new and existing partnerships we are providing extra capacity in friendshipservices, mental health programmes and digital skills training. Factors that could cause actual business, strategy, 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; market related risks, trends and developments; risks concerning borrower and counterparty credit quality; fluctuations in interest rates, inflation, exchange rates, stock markets and currencies; volatility in credit markets; volatility in the price of our securities; any impact of the transition from IBORs to alternative reference rates; the ability to access sufficient sources of capital, liquidity and funding when required; changes to the Group's credit ratings; 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; potential changes in dividend policy; the ability to achieve strategic objectives; insurance risks; management and monitoring of conduct risk; exposure to counterparty risk; credit rating risk; tightening of monetary policy in jurisdictions in which the Group operates; instability in the global financial markets, including within the Eurozone, and as a result of ongoing uncertainty following the exit by the UK from the European Union (EU) and the effects of the EU-UK Trade and Cooperation Agreement; political instability including as a result of any UK general election and any further possible referendum on Scottish independence; operational risks; 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; natural pandemic (including but not limited to the COVID-19 pandemic) and other disasters; inadequate or failed internal or external processes or systems; acts of hostility or terrorism and responses to those acts, or other such events; geopolitical unpredictability; risks relating to sustainability and climate change (and achieving climate change ambitions), including the Group's ability along with the government and other stakeholders to measure, manage and mitigate the impacts of climate change effectively; changes in laws, regulations, practices and accounting standards or taxation; changes to regulatory capital or liquidity requirements and similar contingencies; assessment related to resolution planning requirements; the policies and actions of governmental or regulatory authorities or courts together with any resulting impact on the future structure of the Group; 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. Welcome to Lloyds the worlds insurance marketplace. 24 February 2022 LLOYDS BANKING GROUP PLC - ANNUAL REPORT AND ACCOUNTS FOR THE YEAR ENDED 31 DECEMBER 2021 In accordance with Listing Rule 9.6.1, Lloyds Banking Group plc has submitted today the following document to the National Storage Mechanism. Lloyds Banking Group annual report and accounts for 2022. Download full report Download presentation Key figures 39.2bn Gross written premiums 2.3bn Profit before tax 1.7bn Underwriting profit 93.5% Combined ratio 82.3% Underlying combined ratio 48.9% Attritional loss ratio 0.9bn Our contribution to building a more inclusive society is just one aspect of our Responsible Business performance, which is intrinsic to both our Purpose and our strategy. Please wait while we load the requested 20-F report or click the link below: https://last10k.com/sec-filings/report/1160106/000116010623000008/lyg-20221231.htm. However, higher interest rates and inflation at levels not seen in a generation, put the brakes on the housing market in the early part of this year. Authorisation can be checked on the Financial Services Register at:www.fca.org.uk. Lloyds has announced an aggregated market loss of 0.9bn for 2020 (2019: 2.5bn profit), due to net COVID-19 losses of 3.4bn after reinsurance recoveries. Includes Ownership Percent, Buy versus Sell comparison, Put-Call ratio and more, Get one-click access to balance sheets, income, operations and cash flow statements without having to find them in Annual and Quarterly Reports, Consolidated Statement Of Changes In Equity, Consolidated Statement Of Changes In Equity (Parenthetical), Consolidated Statement Of Comprehensive Income, Consolidated Statement Of Comprehensive Income (Parenthetical), Allowance For Expected Credit Losses (Tables), Allowance For Expected Credit Losses - Disclosure Of Application Of Judgement In Adjustments To Modelled Ecl (Details), Allowance For Expected Credit Losses - Disclosure Of Expected Credit Loss (Details), Allowance For Expected Credit Losses - Disclosure Of Generation Of Multiple Economic Assumptions By Quarter And By Year (Details), Allowance For Expected Credit Losses - Disclosure Of Significant Increase In Credit Risk (Details), Allowance For Expected Credit Losses - Narrative (Details), Allowance For Expected Credit Losses - Schedule Of Ecl Sensitivity To Economic Assumptions (Details), Auditors' Remuneration - Schedule Of Fees Payable To Auditors By Outside Entities (Details), Auditors' Remuneration - Schedule Of Fees Payable To Auditors By The Group (Details), Cash Flow Statement - Narrative (Details), Cash Flow Statement - Schedule Of Acquisition Of Group Undertakings And Businesses (Details), Cash Flow Statement - Schedule Of Analysis Of Cash And Cash Equivalents As Shown In The Balance Sheet (Details), Cash Flow Statement - Schedule Of Change In Operating Assets (Details), Cash Flow Statement - Schedule Of Change In Operating Liabilities (Details), Cash Flow Statement - Schedule Of Non-Cash And Other Items (Details), Changes In Comparative Data - Analysis Of Cash And Cash Equivalents (Details), Changes In Comparative Data - Change In Operating Assets (Details), Changes In Comparative Data - Consolidated Cash Flow Statement (Details), Changes In Comparative Data - Segmental Analysis (Details), Contingent Liabilities, Commitments, And Guarantees, Contingent Liabilities, Commitments, And Guarantees (Tables), Contingent Liabilities, Commitments, And Guarantees - Narrative (Details), Contingent Liabilities, Commitments, And Guarantees - Schedule Of Commitments (Details), Contingent Liabilities, Commitments, And Guarantees - Schedule Of Contingent Liabilities (Details), Critical Accounting Judgements And Key Sources Of Estimation Uncertainty, Critical Accounting Judgements And Key Sources Of Estimation Uncertainty (Tables), Critical Accounting Judgements And Key Sources Of Estimation Uncertainty - Disclosure Of Allowance For Expected Credit Losses (Details), Critical Accounting Judgements And Key Sources Of Estimation Uncertainty - Narrative (Details), Debt Securities In Issue - Schedule Of Debt Securities In Issue (Details), Deferred Tax - Schedule Of Movements In Deferred Tax Liabilities And Assets (Details), Deferred Tax - Schedule Of Statutory Position And Tax Disclosure (Details), Derivative Financial Instruments (Tables), Derivative Financial Instruments - Narrative (Details), Derivative Financial Instruments - Schedule Of Amount, Timing And Uncertainty Of Future Cash Flows (Details), Derivative Financial Instruments - Schedule Of Amounts Reclassified From Reserves To Income Statement (Details), Derivative Financial Instruments - Schedule Of Derivative Instruments (Details), Derivative Financial Instruments - Schedule Of The Effects Of Hedge Accounting (Details), Derivative Financial Instruments - Schedule Of The Effects Of Hedge Accounting On Swaps (Details), Dividends On Ordinary Shares - Narrative (Details), Dividends On Ordinary Shares - Schedule Of Dividends On Ordinary Shares (Details), Earnings Per Share - Schedule Of Earnings Per Share (Details), Events Since The Balance Sheet Date (Details), Finance Lease And Hire Purchase Receivables, Finance Lease And Hire Purchase Receivables (Tables), Finance Lease And Hire Purchase Receivables - Narrative (Details), Finance Lease And Hire Purchase Receivables - Schedule Of Finance Lease And Hire Purchase Assets (Details), Finance Lease And Hire Purchase Receivables - Schedule Of Lease Receivable Balances (Details), Finance Lease And Hire Purchase Receivables - Schedule Of Lease Receivable Net Investment (Details), Financial Assets At Amortised Cost (Tables), Financial Assets At Amortised Cost - Schedule Loans And Advances To Banks, Customers , Reverse Repurchase Agreements And Of Debt Securities (Details), Financial Assets At Amortised Cost - Schedule Of Commercial Banking Lending (Details), Financial Assets At Amortised Cost - Schedule Of Impairment (Details), Financial Assets At Amortised Cost - Schedule Of Retail Credit Cards (Details), Financial Assets At Amortised Cost - Schedule Of Retail Mortgages (Details), Financial Assets At Amortised Cost - Schedule Of Undrawn Balances (Details), Financial Assets At Fair Value Through Other Comprehensive Income, Financial Assets At Fair Value Through Other Comprehensive Income (Tables), Financial Assets At Fair Value Through Other Comprehensive Income - Schedule Of Financial Assets At Fair Value Through Other Comprehensive Income (Details), Financial Assets At Fair Value Through Profit Or Loss, Financial Assets At Fair Value Through Profit Or Loss (Tables), Financial Assets At Fair Value Through Profit Or Loss - Narrative (Details), Financial Assets At Fair Value Through Profit Or Loss - Schedule Of Trading And Other Financial Assets At Fair Value Through Profit Or Loss (Details), Financial Instruments - Narrative (Details), Financial Instruments - Schedule Of Derivatives (Details), Financial Instruments - Schedule Of Financial Assets And Liabilities (Details), Financial Instruments - Schedule Of Financial Assets Excluding Derivatives (Details), Financial Instruments - Schedule Of Financial Liabilities Excluding Derivatives (Details), Financial Instruments - Schedule Of Level 3 Derivative Assets And Liabilities (Details), Financial Instruments - Schedule Of Movement In Level 3 Financial Liabilities (Details), Financial Instruments - Schedule Of Movements In Level 3 Portfolio (Details), Financial Instruments - Schedule Of Sensitivity Of Level 3 Valuations (Details), Financial Instruments - Schedule Of Valuation Adjustment Movements (Details), Financial Instruments - Schedule Of Valuation Adjustments (Details), Financial Instruments - Schedule Of Valuation Hierarchy For Financial Assets (Details), Financial Instruments - Schedule Of Valuation Hierarchy For Financial Liabilities (Details), Financial Liabilities At Fair Value Through Profit Or Loss, Financial Liabilities At Fair Value Through Profit Or Loss (Tables), Financial Liabilities At Fair Value Through Profit Or Loss - Narrative (Details), Financial Liabilities At Fair Value Through Profit Or Loss - Schedule Of Trading And Other Financial Liabilities And Fair Value Through Profit Or Loss (Details), Financial Risk Management - Narrative, Collateral Held As Security For Financial Assets (Details), Financial Risk Management - Narrative, Collateral Pledged As Security (Details), Financial Risk Management - Narrative, Interest Rate Risk (Details), Financial Risk Management - Schedule Of Amounts And Residual Maturities Of The Group's Off Balance Sheet Contingent Liabilities And Commitments (Details), Financial Risk Management - Schedule Of Available-For-Sale Financial Assets (Excluding Equity Shares) (Details), Financial Risk Management - Schedule Of Average Probability Of Default Grade (Details), Financial Risk Management - Schedule Of Concentration Of Exposure (Details), Financial Risk Management - Schedule Of Credit Quality Of Assets (Details), Financial Risk Management - Schedule Of Debt Securities Held At Amortised Cost (Details), Financial Risk Management - Schedule Of Debt Securities, Treasury And Other Bills Held At Fair Value Through Profit Or Loss (Details), Financial Risk Management - Schedule Of Derivative Assets (Details), Financial Risk Management - Schedule Of Financial Instruments By Significant Interest Rate Benchmarks (Details), Financial Risk Management - Schedule Of Functional Currency Of Group Operations (Details), Financial Risk Management - Schedule Of Liabilities Arising From Insurance And Participating Investment Contracts (Details), Financial Risk Management - Schedule Of Maturities Of Assets And Liabilities (Details), Financial Risk Management - Schedule Of Maturities Of Liabilities (Details), Financial Risk Management - Schedule Of Maximum Credit Exposure (Details), Financial Risk Management - Schedule Of Mortgage Lending (Details), Financial Risk Management - Schedule Of Probability Of Default Loans And Advances (Details), Financial Risk Management - Schedule Of Securities Lending Transactions (Details), Goodwill - Schedule Of Goodwill (Details), Impairment - Schedule Of Impairment (Details), Insurance Claims And Changes In Insurance And Investment Contract Liabilities, Insurance Claims And Changes In Insurance And Investment Contract Liabilities (Tables), Insurance Claims And Changes In Insurance And Investment Contract Liabilities - Schedule Of Insurance Claims (Details), Insurance Premium Income - Schedule Of Insurance Premium Income (Details), Investments In Joint Ventures And Associates, Investments In Joint Ventures And Associates (Tables), Investments In Joint Ventures And Associates - Narrative (Details), Investments In Joint Ventures And Associates - Schedule Of Investments In Joint Ventures And Associates (Details), Liabilities Arising From Insurance Contracts And Participating Investment Contracts, Liabilities Arising From Insurance Contracts And Participating Investment Contracts (Tables), Liabilities Arising From Insurance Contracts And Participating Investment Contracts - Narrative (Details), Liabilities Arising From Insurance Contracts And Participating Investment Contracts - Schedule Of Insurance Claims Outstanding (Details), Liabilities Arising From Insurance Contracts And Participating Investment Contracts - Schedule Of Insurance Contracts (Details), Liabilities Arising From Insurance Contracts And Participating Investment Contracts - Schedule Of Liabilities For Insurance Contracts And Participating Investment Contracts (Details), Liabilities Arising From Insurance Contracts And Participating Investment Contracts - Schedule Of Life Insurance And Participating Contract Liabilities (Details), Liabilities Arising From Insurance Contracts And Participating Investment Contracts - Schedule Of Provisions For Unearned Premiums (Details), Liabilities Arising From Non-Participating Investment Contracts, Liabilities Arising From Non-Participating Investment Contracts (Tables), Liabilities Arising From Non-Participating Investment Contracts - Narrative (Details), Liabilities Arising From Non-Participating Investment Contracts - Schedule Of Liabilities Arising From Non-Participating Investment Contracts (Details), Life Insurance Sensitivity Analysis (Tables), Life Insurance Sensitivity Analysis - Schedule Of Accounting Estimates And Judgements (Details), Net Fee And Commission Income - Narrative (Details), Net Fee And Commission Income - Schedule Of Fee And Commission Income (Details), Net Interest Income - Schedule Of Net Interest Income (Details), Net Trading Income - Schedule Of Net Gains (Losses) Held For Trading (Details), Net Trading Income - Schedule Of Net Trading Income (Details), Offsetting Of Financial Assets And Liabilities, Offsetting Of Financial Assets And Liabilities (Tables), Offsetting Of Financial Assets And Liabilities - Schedule Of Offsetting Of Financial Assets And Liabilities (Details), Operating Expenses - Schedule Of Average Number Of Persons Employed By The Group (Details), Operating Expenses - Schedule Of Operating Expenses (Details), Operating Expenses - Schedule Of Performance-Based Compensation Costs (Details), Other Assets - Schedule Of Future Minimum Rentals Receivable Under Non-Cancellable Operating Leases (Details), Other Assets - Schedule Of Investment Property (Details), Other Assets - Schedule Of Leased Equipment (Details), Other Assets - Schedule Of Other Assets (Details), Other Equity Instruments - Schedule Of Other Equity Instruments (Details), Other Intangible Assets - Narrative (Details), Other Intangible Assets - Schedule Of Other Intangible Assets (Details), Other Liabilities - Schedule Of Other Liabilities (Details), Other Operating Income - Schedule Of Other Operating Income (Details), Other Provisions - Schedule Of Assumptions For Other Provisions (Details), Other Reserves - Schedule Of Capital Redemption Reserve (Details), Other Reserves - Schedule Of Cash Flow Hedging Reserve (Details), Other Reserves - Schedule Of Foreign Currency Translation Reserve (Details), Other Reserves - Schedule Of Merger Reserve (Details), Other Reserves - Schedule Of Other Reserves (Details), Other Reserves - Schedule Of Revaluation Reserve In Respect Of Debt Securities (Details), Other Reserves - Schedule Of Revaluation Reserve In Respect Of Equity Shares (Details), Parent Company Disclosures - Company Balance Sheet (Details), Parent Company Disclosures - Company Cash Flow Statement (Details), Parent Company Disclosures - Company Income Statement (Details), Parent Company Disclosures - Company Statement Of Changes In Equity (Details), Parent Company Disclosures - Interests In Subsidiaries (Details), Related Party Transactions - Aggregate Contributions In Respect Of Key Management Personnel To Defined Contribution Pension Schemes (Details), Related Party Transactions - Narrative (Details), Related Party Transactions - Schedule Of Compensation Of Key Management Personnel (Details), Related Party Transactions - Schedule Of Deposits (Details), Related Party Transactions - Schedule Of Loan Balances Outstanding (Details), Retained Profits - Schedule Of Retained Profits (Details), Retirement Benefit Obligations - Narrative (Details), Retirement Benefit Obligations - Schedule Of Analysis Of Defined Benefit Obligations (Details), Retirement Benefit Obligations - Schedule Of Benefit Plan Member Life Expectancy (Details), Retirement Benefit Obligations - Schedule Of Change In Fair Value Of Scheme Assets (Details), Retirement Benefit Obligations - Schedule Of Composition Of Scheme Assets (Details), Retirement Benefit Obligations - Schedule Of Defined Benefit Pension Expense (Details), Retirement Benefit Obligations - Schedule Of Maturity Analysis Of Benefits Expected To Be Paid (Details), Retirement Benefit Obligations - Schedule Of Movement In Retirement Benefit Net Amounts Recognized In Balance Sheet (Details), Retirement Benefit Obligations - Schedule Of Movements In Defined Benefit Obligation (Details), Retirement Benefit Obligations - Schedule Of Movements In Other Post-Retirement Benefits Obligation (Details), Retirement Benefit Obligations - Schedule Of Net Retirement Benefits Amounts Recognized In Balance Sheet (Details), Retirement Benefit Obligations - Schedule Of Pension Scheme's Pooled Investment Vehicles (Details), Retirement Benefit Obligations - Schedule Of Possible Alternative Assumptions Used In Valuations Of Defined Benefit Pension Schemes (Details), Retirement Benefit Obligations - Schedule Of Principal Actuarial And Financial Assumptions Used In Valuation Of Defined Benefit Pension Schemes (Details), Retirement Benefit Obligations - Schedule Of Retirement Benefit Charges To Income Statement (Details), Retirement Benefit Obligations - Schedule Of Retirement Benefit Total Amounts Recognized In Balance Sheet (Details), Retirement Benefit Obligations - Schedule Of Retirement Benefits Recognised In Balance Sheet (Details), Retirement Benefit Obligations - Schedule Of Weighted Average Duration Of Defined Benefit Pension Obligations (Details), Securitisations And Covered Bonds (Tables), Securitisations And Covered Bonds - Narrative (Details), Securitisations And Covered Bonds - Schedule Of Securitisation And Covered Bond Programmes (Details), Segmental Analysis - Schedule Of Operating Segments (Details), Segmental Analysis- Schedule Of Reconciliation Of Underlying Basis To Statutory Results (Details), Share Capital - Schedule Of Issued And Fully Paid Share Capital (Details), Share Premium Account - Schedule Of Share Premium Account (Details), Share-Based Payments - Narrative (Details), Share-Based Payments - Schedule Of Assumptions Used For Calculating Benefit Plans (Details), Share-Based Payments - Schedule Of Charges To The Income Statement (Details), Share-Based Payments - Schedule Of Share Options Outstanding (Details), Share-Based Payments - Schedule Of Shares Under Cfo Buyout (Details), Share-Based Payments - Schedule Of Shares Under Other Share Plans (Details), Structured Entities - Narrative (Details), Subordinated Liabilities - Narrative (Details), Subordinated Liabilities - Preference Shares (Details), Subordinated Liabilities - Schedule Of Movement In Subordinated Liabilities (Details), Tax Expense - Schedule Of Income Tax Charges (Details), Tax Expense - Schedule Of Reconciliation Of The Charge Resulting From Applying The Standard Uk Corporation Tax Rate (Details), Tax Expense - Schedule Of Tax Charges (Details), Transfers Of Financial Assets - Schedule Of Transferred Assets And Liabilities (Details), Value Of In-Force Business - Narrative (Details), Value Of In-Force Business - Schedule Of Acquired Value Of In-Force Non-Participating Investment Contracts (Details), Value Of In-Force Business - Schedule Of Range Of Yields And Other Key Assumptions (Details), Value Of In-Force Business - Schedule Of Value Of In-Force Business (Details), Value Of In-Force Business - Schedule Of Value Of In-Force Insurance And Participating Investment Contracts (Details), Exhibit 2.D: Plan Of Acquisition, Reorganization, Arrangement, Liquidation Or Succession, Exhibit 4.B(XIX): Instruments Defining The Rights Of Security Holders, Including Indentures, Exhibit 4.B(XX): Instruments Defining The Rights Of Security Holders, Including Indentures, Exhibit 4.B(XXI): Instruments Defining The Rights Of Security Holders, Including Indentures, Exhibit 8.1: Opinion Regarding Tax Matters, Exhibit 12.1: Statement Regarding Calculation Of Ratios, Exhibit 12.2: Statement Regarding Calculation Of Ratios, Exhibit 15.1: Letter Regards Unaudited Interim Financial Information, Exhibit 15.2: Letter Regards Unaudited Interim Financial Information, https://last10k.com/sec-filings/lyg/0001160106-23-000008.htm. 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