Details for LLOYDS GRP. (LLOY) / Market data / Selftrade

LLOYDS GRP.

(LLOY GB0008706128 GBX)

Value 69.26

Change Today +0.35

Updated30/07 16:35

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PROFILE

Registered Number	95000
Registered Address	Henry Duncan House 120 George Street Edinburgh EH2 4LH
Head Office	25 Gresham Street London EH2 4LH
Phone Number	+44 (0) 207 6261500
Fax Number
Website	http://www.lloydsbankinggroup.com
Activities	Provides banking and financial services
Country of Register	GB
Currency	GBX
Short Name	LLOYDS GRP.
First Day Traded	24/11/2003
Industrial Sector	Financial Conglomerates
Number of shares	63.78b

Key People

Winfried Bischoff	Chairman
J. Daniels	Chief Executive Officer
Martin Scicluna	Non Executive Director
T. Ryan	Non Executive Director
Tim Tookey	Financial Director
Wolfgang Berndt	Non Executive Director
Lord Leitch	Non Executive Director
Julian Horn-Smith	Non Executive Director
Archie Kane	Director
David Roberts	Non Executive Director
G. Tate	Director
Helen Weir	Director
Anthony Watson	Non Executive Director

Major Shareholders

HM Treasury	40.56%
BlackRock Investment Management (UK) Ltd.	0.95%

Director Deals

Director	Date	Buy/Sell	Quantity	Price
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Income Statements £1K

	AR 2005	AR 2006	AR 2007	AR 2008	AR 2009
Fiscal Year End	31/12/2005	31/12/2006	31/12/2007	31/12/2008	31/12/2009
Duration (months)	12	12	12	12	12
Accounting Format	IFRS	IFRS	IFRS	IFRS	IFRS
Interest Income	12,589,000	14,316,000	16,874,000	17,569,000	28,238,000
Interest and Fees on Loans	12,081,000	13,509,000	15,836,000	16,422,000	25,792,000
Interest Income on Fed. Funds	0	0	0	0	0
Interest Income on Fed. Repos	0	0	0	0	0
Interest on Bank Deposits	0	0	0	0	0
Other Interest or Dividend Income	508,000	807,000	1,038,000	1,147,000	2,446,000
Total Interest Expense	6,918,000	8,779,000	10,775,000	9,851,000	19,212,000
Interest Expense on Bank Deposits	4,354,000	5,418,000	7,004,000	6,472,000	5,293,000
Interest Expense on Fed. Repos	0	0	0	0	0
Other Interest Expense	2,564,000	3,361,000	3,771,000	3,379,000	13,919,000
Interest Expense on Debt	1,908,000	2,677,000	3,421,000	3,123,000	10,643,000
Interest Capitalized	0	0	0	0	0
Other Borrowed Funds	656,000	684,000	350,000	256,000	3,276,000
Net Interest Income	5,671,000	5,537,000	6,099,000	7,718,000	9,026,000
Loan Loss Provision	1,299,000	1,555,000	1,721,000	2,876,000	15,780,000
Net Interest Income after Provision	4,372,000	3,982,000	4,378,000	4,842,000	-6,754,000
Non-Interest Income	17,897,000	15,181,000	13,143,000	4,231,000	37,788,000
Securities Gain	9,140,000	6,233,000	2,970,000	-7,034,000	17,028,000
Trading Account Income	0	0	286,000	-1,216,000	2,894,000
Foreign Exchange Gains	163,000	130,000	193,000	141,000	771,000
Trust Income, Commissions & Fees	2,990,000	3,116,000	3,224,000	3,231,000	4,254,000
Trust Income	0	0	0	0	0
Commission & Fee Income	2,990,000	3,116,000	3,224,000	3,231,000	4,254,000
Investment Income	0	0	0	0	0
Other Operating Income	5,604,000	5,702,000	6,470,000	9,109,000	12,841,000
Non-Interest Expense	18,499,000	14,915,000	13,857,000	6,978,000	39,571,000
Labor & Related Expense	2,855,000	2,741,000	2,904,000	2,931,000	6,675,000
Equipment Expense	252,000	254,000	250,000	265,000	1,156,000
Operating Provisions	174,000	17,000	111,000	346,000	1,135,000
Taxes Other than Income Taxes	0	0	0	0	0
Depreciation & Amortization	621,000	602,000	594,000	648,000	1,716,000
Other Operating Expense	14,597,000	11,301,000	9,998,000	2,788,000	28,889,000
Operating Income	3,770,000	4,248,000	3,664,000	2,095,000	-8,537,000
Non-Operating Income (Expense)	50,000	0	657,000	0	15,319,000
Non-Operating Interest Income	0	0	0	0	0
Miscellaneous Non Operating Expense	50,000	0	657,000	0	16,071,000
Equity in Affiliates (Pretax)	0	0	0	0	-752,000
Unusual Expense	0	0	321,000	1,288,000	5,740,000
Pretax Income	3,820,000	4,248,000	4,000,000	807,000	1,042,000
Income Taxes	1,265,000	1,341,000	679,000	-38,000	-1,911,000
Income Tax - Current - Domestic	704,000	692,000	673,000	595,000	527,000
Income Tax - Current - Foreign	70,000	75,000	95,000	140,000	181,000
Income Tax - Deferred - Domestic	491,000	574,000	-89,000	-773,000	-2,619,000
Income Tax - Deferred - Foreign	0	0	0	0	0
Income Tax Credits	0	0	0	0	0
Minority Interest Expense	62,000	104,000	32,000	26,000	126,000
Equity in Affiliates	0	0	0	0	0
Other After Tax Income (Expense)	0	0	0	0	0
Net Income	2,493,000	2,803,000	3,289,000	819,000	2,827,000
Extraordinaries & Discontinued Operations	0	0	0	0	0
Extra Items & Gain/Loss Sale Of Assets	0	0	0	0	0
Cumulative Effect - Accounting Chg	0	0	0	0	0
Discontinued Operations	0	0	0	0	0
Net Income After Extraordinaries	2,493,000	2,803,000	3,289,000	819,000	2,827,000
Preferred Dividends	0	0	0	0	0
Net Inc. Avail. To Common - Basic	2,493,000	2,803,000	3,289,000	819,000	2,827,000
Operational EPS	21.93	24.54	30.67	14.76	18.05
EPS (basic)	22.12	24.75	28.92	7.09	7.50
EPS (diluted)	21.93	24.54	28.71	7.03	7.45

Balance Sheet £1K

	AR 2005	AR 2006	AR 2007	AR 2008	AR 2009
Fiscal Year End	31/12/2005	31/12/2006	31/12/2007	31/12/2008	31/12/2009
Duration (months)	12	12	12	12	12
Accounting Format	IFRS	IFRS	IFRS	IFRS	IFRS
Total Cash & Due from Banks	2,466,000	3,329,000	5,572,000	5,954,000	40,573,000
Investments - Total	81,192,000	92,438,000	86,766,000	129,655,000	279,193,000
Trading Account Securities	60,374,000	67,695,000	57,911,000	45,064,000	150,011,000
Federal Funds Sold & Securities Purchased	0	0	0	0	0
Federal Funds Sold	0	0	0	0	0
Securities Bought Under Resale Agreement	0	0	0	0	0
Treasury Securities	1,200,000	2,325,000	1,932,000	30,077,000	11,201,000
Federal Agency Securities	0	0	0	0	0
State & Municipal Securities	0	0	0	12,000	31,000
Mortgage Backed Securities	4,161,000	5,662,000	6,050,000	4,429,000	18,103,000
Other Securities	9,562,000	11,168,000	12,195,000	21,189,000	49,919,000
Other Investments	5,895,000	5,588,000	8,678,000	28,884,000	49,928,000
Net Loans	206,599,000	228,923,000	244,659,000	283,493,000	662,330,000
Gross Loans - Net of Unearned Income	208,672,000	231,117,000	247,067,000	287,062,000	677,131,000
Commercial & Industrial Loans	0	0	76,386,000	60,682,000	218,128,000
Consumer & Installment Loans	0	0	0	25,318,000	42,958,000
Interbank Loans	31,656,000	40,639,000	34,845,000	40,758,000	35,361,000
Real Estate Mortgage Loans	0	0	102,739,000	114,643,000	362,667,000
Lease Financing Loans	10,668,000	9,862,000	10,109,000	9,915,000	18,017,000
Foreign Loans	0	0	0	0	0
Broker & Financial Institution Loans	0	0	0	0	0
Unspecified/Other Loans	166,348,000	180,616,000	22,988,000	35,746,000	0
Unearned Income	0	0	0	0	0
Loan Loss Allowances (Reserves)	-2,073,000	-2,194,000	-2,408,000	-3,569,000	-14,801,000
Investment in Unconsolidated Subs.	0	0	0	0	479,000
Customer Liability on Acceptances	0	0	0	0	0
Real Estate Other Than Bank Premises	4,260,000	4,739,000	3,722,000	2,631,000	4,757,000
Net Property, Plant & Equipment	4,291,000	4,252,000	2,839,000	2,965,000	9,224,000
Other Assets (incl. Intangibles)	10,946,000	9,917,000	9,788,000	10,502,000	25,693,000
Other Assets	8,523,000	7,402,000	7,281,000	8,049,000	19,590,000
Intangible Assets	2,423,000	2,515,000	2,507,000	2,453,000	6,103,000
Deferred Charges	0	0	0	0	8,230,000
Total Assets	309,754,000	343,598,000	353,346,000	435,200,000	1,022,249,000
Total Deposits	131,070,000	139,342,000	156,555,000	170,938,000	371,187,000
Demand Deposits	112,551,000	124,726,000	0	0	103,151,000
Savings/Time Deposits	18,519,000	14,616,000	156,555,000	170,938,000	207,474,000
Foreign Office Deposits	0	0	0	0	0
Unspecified Deposits	0	0	0	0	60,562,000
Total Debt	83,933,000	103,365,000	103,289,000	159,988,000	388,253,000
ST Debt & Curr. Portion LT Debt	66,904,000	84,649,000	73,083,000	126,469,000	188,895,000
Current Portion of Long Term Debt	36,049,000	50,341,000	33,349,000	61,244,000	108,866,000
Short Term Debt	30,855,000	34,308,000	39,734,000	65,225,000	80,029,000
Long-Term Debt	17,029,000	18,716,000	30,206,000	33,519,000	199,358,000
LT Debt excl. Capitalized Leases	17,029,000	18,716,000	30,206,000	33,519,000	199,358,000
Capitalized Lease Obligations	0	0	0	0	0
Provision for Risks & Charges	3,278,000	2,721,000	2,353,000	2,001,000	1,763,000
Deferred Tax Liabilities	1,145,000	1,416,000	948,000	-833,000	-4,797,000
Deferred Taxes - Credit	2,970,000	3,079,000	2,420,000	0	209,000
Deferred Taxes - Debit	-1,825,000	-1,663,000	-1,472,000	-833,000	-5,006,000
Accumulated Minority Interest	435,000	352,000	284,000	306,000	829,000
Other Liabilities	79,698,000	85,247,000	77,776,000	93,407,000	221,736,000
Deferred Tax Liability-Untaxed Reserves	0	0	0	0	0
Other Liabilities (excl. Deferred Income)	79,698,000	85,247,000	77,776,000	93,407,000	206,901,000
Deferred Income	0	0	0	0	14,835,000
Total Liabilities	299,559,000	332,443,000	341,205,000	425,807,000	978,971,000
Preferred Stock (Carrying Value)	0	0	0	0	0
Redeemable Preferred Stock	0	0	0	0	0
Non-Redeemable Preferred Stock	0	0	0	0	0
Preferred Stock issues for ESOP	0	0	0	0	0
ESOP Guarantees - Preferred Stock	0	0	0	0	0
Common Equity (total)	10,195,000	11,155,000	12,141,000	9,393,000	43,278,000
Common Stock Par/Carry Value	1,420,000	1,429,000	1,432,000	1,513,000	10,472,000
Additional Paid-In Capital/Capital Surplus	1,170,000	1,266,000	1,298,000	2,096,000	14,472,000
Retained Earnings	7,565,000	8,448,000	9,814,000	8,603,000	19,369,000
ESOP Debt Guarantee	0	0	0	0	0
Cumulative Translation Adjustment/Unrealized For. Exch. Gain	0	0	-4,000	163,000	-147,000
Unrealized Gain/Loss Marketable Securities	0	0	0	0	0
Revaluation Reserves	29,000	0	-399,000	-2,982,000	-914,000
Other Appropriated Reserves	11,000	12,000	0	0	26,000
Unappropriated Reserves	0	0	0	0	0
Treasury Stock	0	0	0	0	0
Total Shareholders' Equity	10,195,000	11,155,000	12,141,000	9,393,000	43,278,000
Liabilities & Shareholders' Equity	309,754,000	343,598,000	353,346,000	435,200,000	1,022,249,000

Cash Flow £1K

	AR 2005	AR 2006	AR 2007	AR 2008	AR 2009
Fiscal Year End	31/12/2005	31/12/2006	31/12/2007	31/12/2008	31/12/2009
Duration (months)	12	12	12	12	12
Accounting Format	IFRS	IFRS	IFRS	IFRS	IFRS
Funds from Operations	6,554,000	4,292,000	5,216,000	-4,838,000	7,628,000
Extraordinaries	0	0	0	0	0
Changes in Working Capital	2,186,000	-2,766,000	-176,000	10,857,000	-8,549,000
Net Operating Cash Flow	8,740,000	1,526,000	5,040,000	6,019,000	-921,000
Capital Expenditures	1,843,000	1,724,000	1,334,000	1,436,000	2,689,000
Capital Expenditures (Fixed Assets)	1,843,000	1,724,000	1,334,000	1,436,000	2,689,000
Capital Expenditures (Other Assets)	0	0	0	0	0
Net Assets from Acquisitions	-27,000	-20,000	-8,000	-19,000	0
Sale of Fixed Assets & Businesses	1,069,000	2,193,000	2,458,000	579,000	18,767,000
Purchase/Sale of Investments	158,000	-5,342,000	-2,199,000	-34,210,000	34,745,000
Purchase of Investments	-10,108,000	-23,448,000	-21,667,000	-144,680,000	-455,816,000
Sale/Maturity of Investments	10,266,000	18,106,000	19,468,000	110,470,000	490,561,000
Increase in Loans	-15,802,000	-24,973,000	-20,796,000	-33,717,000	0
Decrease in Loans	0	0	8,673,000	0	50,935,000
Other Uses	0	0	0	0	0
Other Sources	0	0	0	0	0
Net Investing Cash Flow	-16,445,000	-29,866,000	-13,206,000	-68,803,000	101,758,000
Cash Dividends Paid - Total	-1,914,000	-1,919,000	-1,957,000	-2,042,000	0
Common Dividends	-1,914,000	-1,919,000	-1,957,000	-2,042,000	0
Preferred Dividends	0	0	0	0	0
Decrease in Deposits	0	0	0	0	0
Increase in Deposits	4,619,000	8,523,000	17,172,000	13,088,000	11,474,000
Change in Capital Stock	26,000	105,000	35,000	879,000	21,500,000
Repurchase of Common & Preferred Stk.	0	0	0	0	-33,000
Sale of Common & Preferred Stock	26,000	105,000	35,000	879,000	21,533,000
Proceeds from Stock Options	26,000	105,000	35,000	879,000	21,533,000
Other Proceeds from Sale of Stock	0	0	0	0	0
Issuance/Reduction of Debt, Net	3,239,000	20,647,000	-614,000	50,320,000	-100,555,000
Change in Current Debt	-8,168,000	5,222,000	2,136,000	25,279,000	-71,267,000
Change in Long-Term Debt	11,407,000	15,425,000	-2,750,000	25,041,000	-29,288,000
Issuance of Long-Term Debt	11,641,000	16,184,000	0	25,422,000	4,187,000
Reduction in Long-Term Debt	-234,000	-759,000	-2,750,000	-381,000	-33,475,000
Other Funds	292,000	-183,000	-99,000	-32,000	-116,000
Other Uses	-37,000	-183,000	-99,000	-32,000	-116,000
Other Sources	329,000	0	0	0	0
Net Financing Cash Flow	6,262,000	27,173,000	14,537,000	62,213,000	-67,697,000
Exchange Rate Effect	0	-148,000	82,000	1,440,000	-210,000
Miscellaneous Funds	0	0	0	0	0
Net Change in Cash	-1,443,000	-1,315,000	6,453,000	869,000	32,930,000
Free Cash Flow	4,983,000	-2,117,000	1,749,000	2,541,000	-3,610,000

Analysis Data

Valuation
	2005	2006	2007	2008	2009
Fiscal Year End	2005-12-31	2006-12-31	2007-12-31	2008-12-31	2009-12-31
Market Capitalisation	27,368,800	32,221,000	26,657,200	7,525,790	32,327,300
Price/Earnings	10.96	11.45	8.10	8.82	6.76
Price/Sales	897	1,088	886	332	289
Price/Book Value	2,685	2,888	2,196	801	747
Price/Cash Flow	3,152	21,223	5,322	1,210	0
Enterprise Value/EBIT	19,108	19,173	16,821	41,126	31,471
Enterprise Value/EBITDA	17,174	17,600	15,504	35,014	25,815
Enterprise Value/Sales	3,590	4,501	4,158	7,414	5,570
Total Debt/Enterprise Value	767	778	827	990	1,056
Total Debt/EBITDA	13,170	13,702	12,829	34,659	27,255
EPS (basic)	22.12	24.75	28.92	7.09	7.50
EPS (diluted) as stated	21.93	24.54	28.71	7.03	7.45
Profitability
Operating Margin (%)	12.37	14.40	12.21	9.61	-12.93
Pretax Margin (%)	12.53	14.40	13.33	3.70	1.58
Net Margin (%)	8.18	9.50	10.96	3.76	4.28
Return on Assets (%)	0.85	0.86	0.94	0.21	0.39
Return on Equity (%)	24.72	26.26	28.24	7.61	10.73
Return on Avg. Total Capital (%)	2.75	2.69	2.86	0.58	0.94
Return on Avg. Invested Capital (%)	9.36	9.82	9.11	1.92	1.98
Efficiency
Revenue/Employee	383	388	432	328	500
Total Asset Turnover	0.10	0.09	0.09	0.06	0.09
Capital Structure
Debt-to-Total Equity (%)	823.28	926.62	850.75	1703.27	897.11
Debt-to-Total Capital (%)	89.17	90.26	89.48	94.45	89.97
Debt-to-Total Assets (%)	27.10	30.08	29.23	36.76	37.98
Interest Coverage	3.00	2.59	2.17	1.26	1.10

Market data

Name	Latest	Var
FTSE 100	5,258.02	-1.05%
FTSE 250	9,948.72	-1.25%
DOW INDUSTRIAL	10,465.94	-0.01%
HONG KONG HANG	21,029.81	-0.30%
Nikkei 225	9,537.30	-1.64%

Name	Latest	Var
UTD. UTILITIES	585.00	+4.37%
SEVERN TRENT	1,310.00	+2.34%
BR.AIRWAYS	219.60	+1.67%
RANDGOLD RES.	5,730.00	+1.15%
BG GRP.	1,021.50	+0.84%

Name	Latest	Var
LEGAL&GEN.	89.55	-2.77%
MAN GROUP	217.30	-2.73%
THOMAS COOK	181.80	-2.68%
SEGRO	280.00	-2.51%
BAE SYS.	312.40	-2.41%

Buys
BP
CONNAUGHT
LLOYDS GRP.
GLAXOSMITHKLINE
ROCKHOPPER
LLOYDS GRP.
BARCLAYS
ROYAL BANK SCOT
UTD. UTILITIES
BP

Selftrade is a trading name and Selftrade® a registered trademark of Talos Securities Limited, which is authorised and regulated by the Financial Services Authority (FSA Register number 208271) and is a member of the London Stock Exchange and PLUS Markets. Talos Securities Ltd is incorporated in England and Wales (Registration No. 4196325, Registered Address: Boatman's House, 2 Selsdon Way, London E14 9LA).

Data Sources: include Bondscape, Dow Jones, Factset, FTSE, Morningstar. Conditions may apply.

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LLOYDS GRP.

PROFILE

Key People

Major Shareholders

Director Deals

Income Statements £1K

Balance Sheet £1K

Cash Flow £1K

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