Lloyds Banking Group plc provides various banking and financial services to personal and corporate customers primarily in the United Kingdom. It operates through four segments: Retail, Wholesale, Wealth and International, and Insurance. The Retail segment provides banking, mortgages, and other financial services to personal customers. Its products include current and savings accounts, personal loans, credit cards, and mortgages. This segment also operates as a general insurance and bancassurance distributor, selling a range of long-term savings, investment, and general insurance products. The Wholesale segment offers banking and related services for multinational corporates and financial institutions, and small and medium-sized businesses, as well as for start-ups. It also provides asset finance to personal and corporate customers; and manages the companys activities in financial markets through its treasury function. In addition, this segment offers risk management and advisory services to corporate and commercial customers; specialized lending services; and provides access to capital markets and multi-product financing solutions. The Wealth and International segment offers private banking, and asset management services. It also offers corporate, commercial, and retail banking services internationally. The Insurance segment provides life assurance, pensions, and investment products in the United Kingdom and Europe, as well as general insurance, including home and payment protection insurance to personal customers. The company was formerly known as Lloyds TSB Group plc and changed its name to Lloyds Banking Group plc in January 2009. Lloyds Banking Group plc was founded in 1985 and is headquartered in London, the United Kingdom. It is 2nd largest Bank by market capitalisation in the United Kingdom,

Website	http://www.lloydsbankinggroup.com
Physical Address	25 Gresham Street, London, EC2V 7HN, United Kingdom

Classification Level	Name of Sector
Industry Group	Banking Services
Industry	Banks
Economic Sector	Financials
Business Sector	Banking & Investment Services

In the past 5 years annual dividends have increased by GBX1.6 from GBX1.1 to GBX2.8. Based on a start date of 5 years ago, there has been one decline in dividends over the last 5 years.

Date Paid	Value (GBP)	Type
11 Apr 2024	1.84	Final
03 Aug 2023	0.92	Interim
Tr 12 Months	2.76
2022 - 2023	2.4
2021 - 2022	2
2020 - 2021	0.57
2019 - 2020	1.12

Board Of Directors [Seven directors with tenure > 9 yrs]

Name	Designation	Since Appointment
Alan Dickinson	Independent Director, Non-executive Deputy Chairman	9 Yrs, 7 Mos
Catherine Marie Woods	Non-Executive Director	-
James R. Lupton	Non-Executive Independent Director	-
Amanda Mackenzie	Non-Executive Independent Director	-
Sarah Catherine Legg	Non-Executive Independent Director	-
Harmeen Mehta	Non-Executive Independent Director	-
Scott Wheway	Non-Executive Independent Director	-

Alan Dickinson
Independent Director
Appointed: September 2014
Skills and experience: Alan is a highly regarded retail and commercial banker having spent 37 years with the Royal Bank of Scotland, most notably as Chief Executive of RBS UK. More recently, he was a Non-Executive Director of Willis Limited and Chairman of its Risk Committee. He was formerly Chairman of Brown, Shipley & Co. Limited and a Non-Executive Director of Nationwide Building Society where he was Chairman of its Risk Committee. Alan's strategic focus and core banking experience complements the balance of skills on our Board and makes him ideal for the role of Chairman of the Board Risk Committee. He is a Fellow of the Chartered Institute of Bankers and the Royal Statistical Society and has an MBA from the Manchester Business School and a Bachelor of Science from the University of Birmingham.
External appointments: Chairman of Urban & Civic plc and a Governor of Motability.

Shareholder Value:
Creation of shareholder value in Lloyds Banking:
Date of appointment: September 08, 2014
In the last 5 years the average annualized return to shareholders was 2.5%. The present value of GBP1,000 (PV1000) invested 5 years ago is now GBP1,130, a loss of GBP77 and dividend reinvested of GBP206.

Name	No. of Shares	Price, GBP	Value, GBP
Robin Francis Budenberg [Non-Executive Independent Chairman]	1,000,000	0.5	454,925
Kate Cheetham [Executive Director]	3,299	0.2	677
Total	1,003,299	0.5	455,602

Month	No. of Shares	Price, GBP	Value, GBP
February 26, 2024	1,000,000	0.45	454,925

In the past year shares bought per month averaged 275.

Month	No. of Shares	Price, GBP	Value, GBP
April 11, 2024	279	0.54	150
September 15, 2023	1,221	0.42	518
May 26, 2023	1,799	0.005	9
Total: Kate Cheetham	3,299	0.2	677

Month	No. of Shares	Price, GBP	Value, GBP
November 10, 2023	120,000	0.42	50,590

ADVT: Average Daily Volume of shares Traded
Annual Return: Dividends Paid In a 12-Month Period/Price at the Beginning of the Period + Capital Gain or Loss over 1 Year/Price 1 Year Ago (%)
Current Ratio: Current Assets/Current Liabilities (times)
Dividend Yield: Dividend Per Share/Share Price (%)
EBIT Margin : Earnings Before Interest and Tax/Revenue (%)
Earnings Yield: Earnings Per Share/Share Price (%)
Income during the n years (3/2/1): Dividends received during the Period
Moving Average Price (n periods): Sum of Prices for each Period/Number of Periods
PV1000: Present value of 1000 invested 1 year/'n' years ago
Price Close/Moving Avg Price: Latest Price/Moving Average Price
Price/Earnings: Share Price/Earnings Per Share (times)
Relative Price Change [RPC]: Relative price change is price change of stock with respect to Benchmark Index
Relative Strength (6 Months): Price close today/Price close 6 months ago, then ranked by percentile within the entire market.
Return on Assets: Net Profit/Total Assets (%)
Return on Equity (Shareholders' Funds): Net Profit/Net Assets (%)
TSR: Total Shareholder Returns is expressed as an annualized rate of return for shareholders after allowing for capital appreciation and dividend
TTM: Trailing 12 Months
Volume Index (VI): Number of shares traded in the period/Average number of shares traded for the period
Volume Weighted Average Price (VWAP): The Volume Weighted Average Price (VWAP) is the summation of turnover divided by total volume in the same period.

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