LLOYDS BANK PLC — The Accounts

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Next accounts due

2027-06-30 (in 1y)

Last filed for 2025-12-31

Confirmation statement due

2026-05-20 (this month)

Last made up 2025-05-06

Watchouts

None on the register

Cash

£38B

-11.4% vs 2024

Net assets

£42B

+5.7% vs 2024

Employees

62,542

-4.4% lowest in 3 filed years

Profit before tax

£5B

+16.7% vs 2024

Name history

Renamed 5 times since incorporation

LLOYDS BANK PLC 2013-09-23 → present
LLOYDS TSB BANK PLC 1999-06-28 → 2013-09-23
LLOYDS BANK PLC 1982-02-01 → 1999-06-28
LLOYDS BANK LIMITED 1889-04-05 → 1982-02-01
LLOYDS, BARNETTS AND BOSANQUETS BANK LIMITED 1884-04-07 → 1889-04-05
LLOYDS BANKING COMPANY LIMITED 1865-04-20 → 1884-04-07

Net assets

3-year trend · vs Financials median

LLOYDS BANK PLC·Financials median · n=298

Accounts

3-year trend · latest reflected 2025-12-31

Metric	2023-12-31	2024-12-31	2025-12-31
Turnover	—	—	—
Operating profit	—	—	—
Profit before tax	£7,056,000,000	£4,688,000,000	£5,472,000,000
Net profit	£5,207,000,000	£3,486,000,000	£3,856,000,000
Cash	—	£42,596,000,000	£37,720,000,000
Total assets less current liabilities	—	—	—
Net assets	—	£39,667,000,000	£41,909,000,000
Equity	—	£39,667,000,000	£41,909,000,000
Average employees	64,844	65,399	62,542
Wages	£3,389,000,000	£3,563,000,000	£3,564,000,000

Values shown as filed in the company's annual accounts. — indicates the figure wasn't present under that line item in that period. About these numbers

Ratios

Computed from the line items above — sparklines read oldest → newest

Ratio	Trend	2023-12-31	2024-12-31	2025-12-31
Gearing (liabilities / total assets)		—	93.5%	93.4%

Margins divide P&L lines by turnover. Gearing is liabilities over total assets. Current ratio is current assets over creditors falling due within one year. Interest cover is operating profit over absolute finance costs. Sector-distribution context coming next.

Audit & accounting basis

Accounting basis: IFRS
Reporting scope: Consolidated group
Auditor: Deloitte LLP
Audit opinion: Unqualified (clean)
Going concern: Affirmed
“The directors' use of the going concern basis of accounting in the preparation of the financial statements is appropriate.”

Group structure

LLOYDS BANK PLC · parent
1. Addison Social Housing Ltd 20%
2. Lloyds Bank Subsidiaries Ltd 100%
3. Halifax Leasing (March No. 2) Ltd 100%
4. Black Horse Group plc 100%
5. Cardiff Auto Receivables Securitisation 2025-I plc 100%

Significant events

“The Group's statutory profit before tax for 2025 was £5,472 million (2024: £4,688 million). This included higher total income, partially offset by increased operating expenses and higher impairment charges.”
“Total income for 2025 was £18,429 million, an increase of 8% (2024: £17,071 million).”
“Total operating expenses of £12,165 million were 2% higher (2024: £11,927 million), reflecting strategic investment.”
“A net impairment charge of £953 million was recognised by the Group in 2025 (2024: £880 million), including £800 million in relation to the potential impact of motor finance commission arrangements.”

Auditor, going-concern and subsidiary information is drawn from the narrative of the latest annual accounts. About these numbers

People

14 active · 86 resigned

Name	Role	Appointed	Born	Nationality
CHEETHAM, Catharine Lucy	Secretary	2019-07-01	—	—
BENTLEY, Sarah Elise	Director	2019-01-01	Aug 1971	British
BOSTOCK, Nathan Mark	Director	2024-08-01	Oct 1960	British
BUDENBERG, Robin Francis	Director	2020-10-01	May 1959	British
CHALMERS, William Leon David	Director	2019-08-01	Jul 1968	British
GILLIGAN, Brendan Edward	Director	2019-01-01	Jun 1956	Irish
HINSHELWOOD, Nigel Grant	Director	2019-01-01	Feb 1966	British
LEGG, Sarah Catherine	Director	2019-12-01	Sep 1967	British
MACKENZIE, Amanda Felicity	Director	2018-10-01	Dec 1963	British
MEHTA, Harmeen	Director	2021-11-01	Aug 1974	Indian
NUNN, Charles Alan	Director	2021-08-16	Sep 1971	British
TURNER, Catherine Lucy	Director	2022-11-01	Jun 1963	British
VOGELZANG, Chris	Director	2025-06-16	Nov 1962	Dutch
WOODS, Catherine Marie	Director	2020-03-01	Sep 1962	Irish

Show 86 resigned officers

Name	Role	Appointed	Resigned
BAINES, Harold Francis	Secretary	2009-01-16	2012-08-01
BOSTON, Marc-John	Secretary	2014-01-01	2014-11-02
COLTMAN, Margaret Ann	Secretary	2008-05-09	2009-01-16
DAVIES, Claire Anne	Secretary	2012-08-01	2013-12-31
HATCHER, Michael Roger	Secretary	1996-05-02	1999-06-30
MARCH, Luke Henry Walter	Secretary	1995-12-28	1996-05-02
MICHIE, Alastair John	Secretary	1999-06-30	2008-05-08
MICHIE, Alastair John	Secretary	—	1995-12-28
WOOD, Malcolm James	Secretary	2014-11-03	2019-06-30
ATKINSON, Michael Kent	Director	1995-12-28	2003-04-16
AYLIFFE, Peter George Edwin	Director	2003-06-01	2005-01-31
BAYS, John Newton	Director	1995-08-01	1995-10-03
BERNDT, Wolfgang Christian Georg, Dr	Director	2003-05-01	2010-05-06
BISCHOFF, Winfried Franz Wilhelm, Sir	Director	2009-09-15	2014-04-03
BLACKWELL, Lord (Norman Roy)	Director	2012-06-01	2021-01-01
BLANK, Maurice Victor, Sir	Director	2006-03-01	2009-09-15
BROWN, Ewan	Director	1999-06-30	2009-06-05
BROWN, Paul Gregorius	Director	—	1996-12-31
BUTLER, Alan Clive	Director	1999-06-30	2003-04-16
CAREFULL, Robert Charles	Director	1995-12-28	1999-06-30
COLOMBÁS CALAFAT, Juan	Director	2013-11-29	2020-09-18
CULMER, Mark George	Director	2012-05-16	2019-08-01
DANIELS, John Eric	Director	2001-11-01	2011-02-28
DAVIES, John Thomas	Director	—	1998-07-31
DIAL, Teresa Arlene	Director	2005-06-01	2008-04-18
DICKINSON, Alan Peter	Director	2014-09-08	2024-05-16
DU PLESSIS, Jan Petrus	Director	2005-10-01	2009-04-17
ELBOURNE, John Kenneth	Director	1995-12-28	1996-07-04
ELLWOOD, Peter	Director	1995-12-28	2003-05-31
FAIRBAIRN, Carolyn Julie	Director	2012-06-01	2015-10-31
FAIREY, Michael Edward	Director	1995-12-28	2008-06-30
FORBES, Sheila Mary	Director	1999-06-30	2003-04-16
FREEDBERG, Hugh Ronald	Director	1995-12-28	1996-10-31
FREW, Anita Margaret	Director	2010-12-01	2020-05-21
GEMMELL, Gavin John Norman	Director	2002-04-17	2007-09-30
GIBSON SMITH, Christopher Shaw, Dr	Director	1999-06-30	2005-05-05
GOODISON, Nicholas Proctor, Sir	Director	1995-12-28	2000-04-11
GREEN, Philip Nevill	Director	2007-05-10	2009-10-23
GREENBOROUGH, John Hedley, Sir	Director	—	1993-04-07
GREENBURY, Richard, Sir	Director	1992-12-01	1993-04-07
HAMPTON, Philip Roy	Director	2002-06-01	2004-01-12
HARDING, George William, Sir	Director	—	1993-04-07
HENRY, Simon Peter	Director	2014-06-26	2020-09-30
HOLT, Dennis	Director	2000-02-01	2001-08-31
HORN-SMITH, Julian Michael, Sir	Director	2005-01-01	2012-05-17
HORNBY, Simon Michael, Sir	Director	—	1995-12-28
HORTA-OSÓRIO, António Mota De Sousa, Mr.	Director	2011-01-17	2021-04-30
IBBS, John Robin, Sir	Director	—	1997-02-07
JOHN, Dyfrig Dafydd Joseff	Director	2014-01-01	2016-05-11
JULIUS, Deanne Shirley, Dame	Director	2001-10-01	2007-05-09
KANE, Archibald Gerard	Director	2000-01-01	2011-05-18
KNIGHT, Angela Ann	Director	2003-05-01	2006-10-31
LEITCH, Alexander Park, Lord	Director	2005-10-01	2012-02-29
LINAKER, Lawrence Edward	Director	1999-06-30	2001-04-18
LONGHURST, Andrew Henry	Director	1995-08-01	1998-04-15
LUFF, Nicholas Lawrence	Director	2013-03-05	2017-05-10
LUPTON, Lord (James Roger Crompton)	Director	2017-06-01	2024-05-16
MANNING, David Geoffrey, Sir	Director	2008-05-01	2009-11-02
MARAN, Stephen Andrew	Director	1994-03-01	1999-12-31
MCCALL, Carolyn Julia	Director	2008-10-01	2009-12-31
MCKILLOP, Thomas Fulton Wilson, Sir	Director	1999-06-30	2004-12-31
MCWHINNEY, Deborah Doyle	Director	2015-12-01	2018-12-31
MOORE, Alan Edward	Director	—	2003-04-16
MORENO, Glen Richard	Director	2010-03-01	2012-05-17
MORSE, Christopher Jeremy, Sir	Director	—	1993-02-05
NICHOLSON, Peter Charles, Mr.	Director	1999-06-30	2000-04-11
NICHOLSON, Peter Charles, Mr.	Director	—	1995-12-28
OGILVIE, Bridget Margaret, Dame	Director	1999-06-30	2000-04-11
OGILVIE, Bridget Margaret, Dame	Director	1995-03-01	1995-12-28
PELL, Gordon Francis	Director	1998-03-01	2000-01-07
PIRRIE, David Blair	Director	—	1997-05-31
PITMAN, Brian Ivor, Sir	Director	—	2001-04-18
PLUMB, Charles Henry, Lord	Director	—	1995-01-06
PLUMB, Charles Henry, Lord	Director	—	1994-02-01
PRETTEJOHN, Nicholas Edward Tucker	Director	2014-06-23	2021-09-30
PRITCHARD, David Peter	Director	1998-03-01	2005-05-05
PROSSER, Ian Maurice Gray, Sir	Director	1999-06-30	1999-07-31
PROSSER, Ian Maurice Gray, Sir	Director	—	1995-12-28
QUINLAN, Michael Edward, Sir	Director	1992-09-01	1995-12-28
RAISMAN, John Michael	Director	—	1995-12-28
ROBERTS, David Lawton	Director	2010-03-01	2014-05-14
ROSS, Michael David	Director	2000-02-03	2003-09-30
RYAN, Thomas Timothy	Director	2009-03-01	2013-04-18
SCICLUNA, Martin Anthony	Director	2008-09-01	2013-03-31
SELBORNE, John Roundell, The Earl Of Selborne	Director	1994-07-01	1995-12-28
SINCLAIR, Stuart William	Director	2016-01-04	2022-05-12

Ownership

Persons with significant control

Name	Kind	Nature of control	Notified	Status
Lloyds Banking Group Plc	Corporate entity	Shares 75–100%, Voting 75–100%, Appoints directors	2016-04-06	Active

Filing timeline

Last 20 of 2397 total filings

Date	Type	Category	Description
2026-03-19	AA	accounts	Accounts with accounts type group
2025-11-03	TM01	officers	Termination director company with name termination date	PDF
2025-06-30	MR01	mortgage	Mortgage create with deed with charge number charge creation date	PDF
2025-06-16	AP01	officers	Appoint person director company with name date	PDF
2025-05-06	CS01	confirmation-statement	Confirmation statement with no updates	PDF
2025-04-01	AA	accounts	Accounts with accounts type group
2025-03-18	MR01	mortgage	Mortgage create with deed with charge number charge creation date	PDF
2025-03-17	MR01	mortgage	Mortgage create with deed with charge number charge creation date	PDF
2025-03-17	MR01	mortgage	Mortgage create with deed with charge number charge creation date	PDF
2025-03-17	MR01	mortgage	Mortgage create with deed with charge number charge creation date	PDF
2025-03-17	MR01	mortgage	Mortgage create with deed with charge number charge creation date	PDF
2024-08-08	AP01	officers	Appoint person director company with name date	PDF
2024-05-31	MR01	mortgage	Mortgage create with deed with charge number charge creation date	PDF
2024-05-31	MR01	mortgage	Mortgage create with deed with charge number charge creation date	PDF
2024-05-20	CS01	confirmation-statement	Confirmation statement with no updates	PDF
2024-05-17	TM01	officers	Termination director company with name termination date	PDF
2024-05-17	TM01	officers	Termination director company with name termination date	PDF
2024-04-15	AA	accounts	Accounts with accounts type group
2023-12-01	MR01	mortgage	Mortgage create with deed with charge number charge creation date	PDF
2023-06-27	MR01	mortgage	Mortgage create with deed with charge number charge creation date	PDF

Public-record activity

Raw counts from Companies House — last 12–24 months

Filings: 5
Capital events: 0
Officers appointed: 1
Officers resigned: 0

Direct counts from the register. No score, no rating — see the Filing timeline for the underlying events.

Year-on-year

FY2024 → FY2025 · period ending 2025-12-31 vs 2024-12-31

Turnover

—

Not reported
Cash

-11.4%

£42,596,000,000 £37,720,000,000
Net assets

+5.7%

£39,667,000,000 £41,909,000,000
Employees

-4.4%

65,399 62,542

lowest in 3 filed years
Profit before tax

+16.7%

£4,688,000,000 £5,472,000,000
Wages

0%

£3,563,000,000 £3,564,000,000

Each % is (latest − prior) ÷ |prior| for the line item as filed. Periods don't have to be exactly 12 months apart — a long or short period (typical around incorporation or year-end changes) will distort the comparison. Lines a company doesn't report are omitted. About these numbers

Official Companies House page