Details for (LLOY) / Market data / Selftrade

LLOYDS GRP.

(LLOY GB0008706128 GBX)

Value 34.390

Change Today +1.66

Updated03/02 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	Specialty Finance
Number of shares	68.16b

Key People

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

Major Shareholders

HM Treasury	40.17%
Legal & General Investment Management Ltd.	1.91%

Director Deals

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

	AR 2006	AR 2007	AR 2008	AR 2009	AR 2010
Fiscal Year End	31/12/2006	31/12/2007	31/12/2008	31/12/2009	31/12/2010
Duration (months)	12	12	12	12	12
Accounting Format	IFRS	IFRS	IFRS	IFRS	IFRS
Interest Income	14,316	16,874	17,569	28,238	29,340
Interest and Fees on Loans	13,509	15,836	16,422	25,792	26,597
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	807	1,038	1,147	2,446	2,743
Total Interest Expense	8,779	10,775	9,851	19,212	16,794
Interest Expense on Bank Deposits	5,418	7,004	6,472	5,293	5,700
Interest Expense on Fed. Repos	0	0	0	0	0
Other Interest Expense	3,361	3,771	3,379	13,919	11,094
Interest Expense on Debt	2,677	3,421	3,123	10,643	9,452
Interest Capitalized	0	0	0	0	0
Other Borrowed Funds	684	350	256	3,276	1,642
Net Interest Income	5,537	6,099	7,718	9,026	12,546
Loan Loss Provision	1,555	1,721	2,876	15,780	10,714
Net Interest Income after Provision	3,982	4,378	4,842	-6,754	1,832
Non-Interest Income	15,181	13,143	4,231	37,788	32,603
Securities Gain	6,233	2,970	-7,034	17,028	13,650
Trading Account Income	0	286	-1,216	2,894	2,449
Foreign Exchange Gains	130	193	141	771	447
Trust Income, Commissions & Fees	3,116	3,224	3,231	4,254	4,415
Trust Income	0	0	0	0	0
Commission & Fee Income	3,116	3,224	3,231	4,254	4,415
Investment Income	0	0	0	0	0
Other Operating Income	5,702	6,470	9,109	12,841	11,642
Non-Interest Expense	14,915	13,857	6,978	39,571	33,393
Labor & Related Expense	2,741	2,904	2,931	6,675	5,469
Equipment Expense	254	250	265	1,156	1,225
Operating Provisions	17	111	346	1,135	1,429
Taxes Other than Income Taxes	0	0	0	0	0
Depreciation & Amortization	602	594	648	1,716	1,635
Other Operating Expense	11,301	9,998	2,788	28,889	23,635
Operating Income	4,248	3,664	2,095	-8,537	1,042
Non-Operating Income (Expense)	0	657	0	16,071	-365
Non-Operating Interest Income	0	0	0	0	0
Miscellaneous Non Operating Expense	0	657	0	16,071	-365
Equity in Affiliates (Pretax)	0	0	0	0	0
Unusual Expense	0	321	1,288	5,740	308
Pretax Income	4,248	4,000	807	1,794	369
Income Taxes	1,341	679	-38	-1,911	539
Income Tax - Current - Domestic	692	673	595	527	-165
Income Tax - Current - Foreign	75	95	140	181	33
Income Tax - Deferred - Domestic	574	-89	-773	-2,619	671
Income Tax - Deferred - Foreign	0	0	0	0	0
Income Tax Credits	0	0	0	0	0
Minority Interest Expense	104	32	26	126	62
Equity in Affiliates	0	0	0	-752	-88
Other After Tax Income (Expense)	0	0	0	0	0
Net Income	2,803	3,289	819	2,827	-320
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	2,803	3,289	819	2,827	-320
Preferred Dividends	0	0	0	0	0
Net Inc. Avail. To Common - Basic	2,803	3,289	819	2,827	-320
Operational EPS	24.54	30.67	14.76	18.05	-0.16
EPS (basic)	24.75	28.92	7.09	7.50	-0.50
EPS (diluted)	24.54	28.71	7.03	7.45	-0.48

Balance Sheet £1K

	AR 2006	AR 2007	AR 2008	AR 2009	AR 2010
Fiscal Year End	31/12/2006	31/12/2007	31/12/2008	31/12/2009	31/12/2010
Duration (months)	12	12	12	12	12
Accounting Format	IFRS	IFRS	IFRS	IFRS	IFRS
Total Cash & Due from Banks	3,329	5,572	5,954	40,573	39,483
Investments - Total	92,438	86,766	129,655	279,193	283,563
Trading Account Securities	67,695	57,911	45,064	150,011	156,191
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	2,325	1,932	30,077	11,201	26,525
Federal Agency Securities	0	0	0	0	0
State & Municipal Securities	0	0	12	31	29
Mortgage Backed Securities	5,662	6,050	4,429	18,103	15,943
Other Securities	11,168	12,195	21,189	49,919	34,098
Other Investments	5,588	8,678	28,884	49,928	50,777
Net Loans	228,923	244,659	283,493	662,330	622,869
Gross Loans - Net of Unearned Income	231,117	247,067	287,062	677,131	641,242
Commercial & Industrial Loans	0	76,386	60,682	218,128	202,243
Consumer & Installment Loans	0	0	25,318	42,958	36,967
Interbank Loans	40,639	34,845	40,758	35,361	30,272
Real Estate Mortgage Loans	0	102,739	114,643	362,667	356,261
Lease Financing Loans	9,862	10,109	9,915	18,017	15,499
Foreign Loans	0	0	0	0	0
Broker & Financial Institution Loans	0	0	0	0	0
Unspecified/Other Loans	180,616	22,988	35,746	0	0
Unearned Income	0	0	0	0	0
Loan Loss Allowances (Reserves)	-2,194	-2,408	-3,569	-14,801	-18,373
Investment in Unconsolidated Subs.	0	0	0	479	429
Customer Liability on Acceptances	0	0	0	0	0
Real Estate Other Than Bank Premises	4,739	3,722	2,631	4,757	5,997
Net Property, Plant & Equipment	4,252	2,839	2,965	9,224	8,190
Other Assets (incl. Intangibles)	9,917	9,788	10,502	25,693	26,879
Other Assets	7,402	7,281	8,049	19,590	21,367
Intangible Assets	2,515	2,507	2,453	6,103	5,512
Deferred Charges	0	0	0	8,230	9,646
Total Assets	345,261	354,818	436,033	1,027,255	991,574
Total Deposits	139,342	156,555	170,938	371,187	382,488
Demand Deposits	124,726	0	0	103,151	100,682
Savings/Time Deposits	14,616	156,555	170,938	207,474	222,226
Foreign Office Deposits	0	0	0	0	0
Unspecified Deposits	0	0	0	60,562	59,580
Total Debt	103,365	103,289	159,988	388,253	328,482
ST Debt & Curr. Portion LT Debt	84,649	73,083	126,469	224,449	164,682
Current Portion of Long Term Debt	50,341	33,349	61,244	108,866	112,756
Short Term Debt	34,308	39,734	65,225	115,583	51,926
Long-Term Debt	18,716	30,206	33,519	163,804	163,800
LT Debt excl. Capitalized Leases	18,716	30,206	33,519	163,804	163,800
Capitalized Lease Obligations	0	0	0	0	0
Provision for Risks & Charges	2,721	2,353	2,001	1,763	1,955
Deferred Tax Liabilities	1,416	948	-833	-4,797	-3,917
Deferred Taxes - Credit	3,079	2,420	0	209	247
Deferred Taxes - Debit	-1,663	-1,472	-833	-5,006	-4,164
Accumulated Minority Interest	352	284	306	829	841
Other Liabilities	85,247	77,776	93,407	221,736	231,500
Deferred Tax Liability-Untaxed Reserves	0	0	0	0	0
Other Liabilities (excl. Deferred Income)	85,247	77,776	93,407	206,901	218,690
Deferred Income	0	0	0	14,835	12,810
Total Liabilities	333,754	342,393	426,334	983,148	944,672
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)	11,155	12,141	9,393	43,278	46,061
Common Stock Par/Carry Value	1,429	1,432	1,513	10,472	6,815
Additional Paid-In Capital/Capital Surplus	1,266	1,298	2,096	14,472	16,291
Retained Earnings	8,448	9,814	8,603	19,369	19,487
ESOP Debt Guarantee	0	0	0	0	0
Cumulative Translation Adjustment/Unrealized For. Exch. Gain	0	-4	163	-147	-362
Unrealized Gain/Loss Marketable Securities	0	0	0	0	0
Revaluation Reserves	0	-399	-2,982	-914	-285
Other Appropriated Reserves	12	0	0	26	4,115
Unappropriated Reserves	0	0	0	0	0
Treasury Stock	0	0	0	0	0
Total Shareholders' Equity	11,155	12,141	9,393	43,278	46,061
Liabilities & Shareholders' Equity	345,261	354,818	436,033	1,027,255	991,574

Cash Flow £1K

	AR 2006	AR 2007	AR 2008	AR 2009	AR 2010
Fiscal Year End	31/12/2006	31/12/2007	31/12/2008	31/12/2009	31/12/2010
Duration (months)	12	12	12	12	12
Accounting Format	IFRS	IFRS	IFRS	IFRS	IFRS
Funds from Operations	4,292	5,216	-4,838	7,628	9,844
Extraordinaries	0	0	0	0	0
Changes in Working Capital	-2,766	-176	10,857	-8,549	-2,858
Net Operating Cash Flow	1,526	5,040	6,019	-921	6,986
Capital Expenditures	1,724	1,334	1,436	2,689	3,216
Capital Expenditures (Fixed Assets)	1,724	1,334	1,436	2,689	3,216
Capital Expenditures (Other Assets)	0	0	0	0	0
Net Assets from Acquisitions	-20	-8	-19	0	-73
Sale of Fixed Assets & Businesses	2,193	2,458	579	18,767	1,782
Purchase/Sale of Investments	-5,342	-2,199	-34,210	34,745	-891
Purchase of Investments	-23,448	-21,667	-144,680	-455,816	-46,890
Sale/Maturity of Investments	18,106	19,468	110,470	490,561	45,999
Increase in Loans	-24,973	-20,796	-33,717	0	0
Decrease in Loans	0	8,673	0	50,935	40,101
Other Uses	0	0	0	0	0
Other Sources	0	0	0	0	0
Net Investing Cash Flow	-29,866	-13,206	-68,803	101,758	37,703
Cash Dividends Paid - Total	-1,919	-1,957	-2,042	0	0
Common Dividends	-1,919	-1,957	-2,042	0	0
Preferred Dividends	0	0	0	0	0
Decrease in Deposits	0	0	0	0	13,249
Increase in Deposits	8,523	17,172	13,088	11,474	0
Change in Capital Stock	105	35	879	21,500	2
Repurchase of Common & Preferred Stk.	0	0	0	-33	0
Sale of Common & Preferred Stock	105	35	879	21,533	2
Proceeds from Stock Options	105	35	879	21,533	2
Other Proceeds from Sale of Stock	0	0	0	0	0
Issuance/Reduction of Debt, Net	20,647	-614	50,320	-100,555	-35,264
Change in Current Debt	5,222	2,136	25,279	-71,267	-32,162
Change in Long-Term Debt	15,425	-2,750	25,041	-29,288	-3,102
Issuance of Long-Term Debt	16,184	0	25,422	4,187	3,237
Reduction in Long-Term Debt	-759	-2,750	-381	-33,475	-6,339
Other Funds	-183	-99	-32	-116	-47
Other Uses	-183	-99	-32	-116	-47
Other Sources	0	0	0	0	0
Net Financing Cash Flow	27,173	14,537	62,213	-67,697	-48,558
Exchange Rate Effect	-148	82	1,440	-210	479
Miscellaneous Funds	0	0	0	0	0
Net Change in Cash	-1,315	6,453	869	32,930	-3,390
Free Cash Flow	-2,117	1,749	2,541	-3,610	3,770

Analysis Data

	2006	2007	2008	2009	2010
Fiscal Year End	2006-12-31	2007-12-31	2008-12-31	2009-12-31	2010-12-31
Valuation
Market Capitalisation	32,220.97	26,657.18	7,525.79	32,327.30	44,777.87
Price/Earnings	11.45	8.10	8.82	6.76	0.00
Price/Sales	1.09	0.89	0.33	0.29	0.71
Price/Book Value	2.89	2.20	0.80	0.75	0.97
Price/Cash Flow	21.22	5.32	1.21	0	6.31
Enterprise Value/EBIT	0	0	0	0	0
Enterprise Value/EBITDA	0	0	0	0	0
Enterprise Value/Sales	4.50	4.16	7.41	5.57	5.39
Total Debt/Enterprise Value	0.78	0.83	0.99	1.06	0.98
Total Debt/EBITDA	0	0	0	0	0
EPS (basic)	24.75	28.92	7.09	7.50	-0.50
EPS (diluted) as stated	24.54	28.71	7.03	7.45	-0.48
Profitability
Operating Margin (%)	14.40	12.21	9.61	-12.93	1.68
Pretax Margin (%)	14.40	13.33	3.70	2.72	0.60
Net Margin (%)	9.50	10.96	3.76	4.28	-0.52
Return on Assets (%)	0.85	0.94	0.21	0.39	-0.03
Return on Equity (%)	26.26	28.24	7.61	10.73	-0.72
Return on Avg. Total Capital (%)	2.69	2.86	0.58	0.94	-0.08
Return on Avg. Invested Capital (%)	9.82	9.11	1.92	2.26	-0.15
Efficiency
Revenue/Employee	0.39	0.43	0.33	0.50	0.50
Total Asset Turnover	0.09	0.09	0.06	0.09	0.06
Capital Structure
Debt-to-Total Equity (%)	926.62	850.75	1,703.27	897.11	713.15
Debt-to-Total Capital (%)	90.26	89.48	94.45	89.97	87.70
Debt-to-Total Assets (%)	29.94	29.11	36.69	37.80	33.13
Interest Coverage	0.00	0.00	0.00	0.00	0.00

Market data

Name	Latest	Var
FTSE 100	5,901.07(c)	+1.81%
FTSE 250	11,235.15(c)	+1.34%
DOW INDUSTRIALS	12,862.23(c)	+1.23%
HONG KONG HANG SENG INDIC	20,756.98	+0.08%
Nikkei 225	8,831.93(c)	-0.51%

Name	Latest	Var
ADMIRAL GRP	1,038.00(c)	+7.90%
MAN GROUP	136.70(c)	+7.81%
SMITHS GROUP	1,017.00(c)	+5.94%
LLOYDS GRP.	34.39(c)	+5.07%
ITV	79.35(c)	+4.75%

Name	Latest	Var
PETROFAC	1,474.00(c)	-1.40%
BG GROUP	1,425.00(c)	-0.49%
POLYMETAL INTL	1,165.00(c)	-0.43%
RANDGOLD RES.	7,400.00(c)	-0.27%
RDS 'A'	2,261.00(c)	-0.18%

Buys

Name	Latest	Var
TESCO	326.65(c)	+2.40%
GULF KEYSTONE	303.50(c)	+3.58%
GAME GROUP	6.64(c)	+24.58%
UNILEVER	2,029.00(c)	+1.76%
LLOYDS GRP.	34.39(c)	+5.07%

Sells

Name	Latest	Var
LLOYDS GRP.	34.39(c)	+5.07%
BARCLAYS	237.45(c)	+4.19%
AVIVA	377.00(c)	+3.69%
GAME GROUP	6.64(c)	+24.58%
BP	484.50(c)	+1.38%

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). VAT No. 629 2807 22.

Data: 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

Analysis Data

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