Banking Services: approx. 45%
Mortgage Loans: approx. 35%
Insurance and Asset Management: approx. 20%

Top 3 Markets:
United Kingdom: approx. 90%
Ireland: approx. 5%
Continental Europe: approx. 3%

The Lloyds Banking Group plc generates the majority of its revenue from the Banking Services sector, followed by Mortgage Loans and Insurance and Asset Management services. The main market for the group is the United Kingdom, accounting for about 90% of the revenue. Ireland and Continental Europe also contribute to the income, but to a significantly lesser extent.

Production: Not applicable

The Lloyds Banking Group plc is a financial services company and does not produce physical products. As a bank, it offers services such as account management, loans, mortgages, insurance, and asset management. These services are mainly provided in the United Kingdom, as Lloyds Banking Group is headquartered there and concentrates the majority of its business activities.

Strategy for Future Growth:

1. Digitalization and Technology Investments: Lloyds Banking Group has heavily invested in digitalization to make its services more efficient and enhance customer experience. This includes the development of mobile and online banking platforms.

2. Sustainability and ESG Initiatives: The company is committed to strengthening its Environmental, Social, and Governance (ESG) goals. This involves investments in sustainable projects and reducing its own carbon footprint.

3. Customer-Centric Business Models: Lloyds focuses on improving customer retention through personalized products and services. This is supported by the use of data analytics and AI.

Lloyds Banking Group aims to strengthen and expand its market position through these strategic initiatives. These measures are intended not only to promote growth but also to enhance the company's resilience in a rapidly changing financial environment.

Main imported materials: Paper, IT hardware, office supplies
Main supplier countries: EU countries, China, USA

The Lloyds Banking Group plc, as a financial services company, mainly imports materials necessary for office operations and IT infrastructure. This includes paper products, IT hardware such as computers and servers, as well as general office supplies.

These materials are primarily sourced from EU countries, as proximity and trade agreements facilitate imports. China is a significant supplier of IT hardware due to the presence of large electronics manufacturers there. The USA is also an important partner, especially for specialized IT solutions and software.

Since Lloyds Banking Group is a service company, raw materials in the traditional sense are less relevant compared to manufacturing companies.

Market share in the British banking sector: Approx. 20% (2024)

Return on equity (ROE): 11.5% (2024)

Cost-to-income ratio: 50% (2024)

The Lloyds Banking Group plc has a significant competitive advantage in the British banking sector, which is manifested by its large market share of around 20%. This makes it one of the leading financial service providers in the UK.

Another indicator of its competitive advantage is the return on equity of 11.5%, which points to an efficient use of capital. This is a strong figure compared to many other banks in the sector.

The cost-to-income ratio of 50% shows that Lloyds operates efficiently, as a lower ratio indicates better cost control and higher profitability. Taken together, these metrics suggest that Lloyds is well positioned to compete and continue to grow profitably.

Institutional investor share: approx. 70% (estimated for 2025 based on historical data)

Insider purchases/sales: No significant transactions in the last 12 months (estimated for 2025)

The institutional investor share in Lloyds Banking Group plc traditionally stands at a high percentage, as large investment funds and pension funds typically invest in established financial institutions. These investors value the stability and dividend yield that Lloyds offers.

Regarding insider transactions, there have been no significant purchases or sales in recent years that could indicate a change in management's confidence in the company's future. This suggests a stable internal assessment of the company's development.

Market share of Lloyds Banking Group: approx. 20% (2025, estimated)

Top competitors and their market shares:

1. HSBC Holdings plc: approx. 25%
2. Barclays plc: approx. 18%
3. NatWest Group plc: approx. 15%
4. Santander UK plc: approx. 10%
5. Standard Chartered plc: approx. 7%

Moat of Lloyds Banking Group: Lloyds Banking Group has a significant moat due to its strong presence in the British retail market. Its extensive branch network and strong brand awareness provide a competitive advantage. Additionally, Lloyds benefits from a diversified product range and a solid capital base.

Comparison with competitors: HSBC has a more global approach and benefits from a strong international presence, which can be seen as a broader moat. Barclays and NatWest also have strong brands and a significant market position in the United Kingdom, but less international reach than HSBC.

Overall, Lloyds has a solid moat in the British market, but the global strategies and diversifications of HSBC and Barclays could be seen as stronger long-term advantages.

Revenue growth: 4.5% (2024) Profit growth: 3.2% (2024) Return on equity (ROE): 10.5% (2024) Common Equity Tier 1 ratio (CET1): 14.2% (2024)

The Lloyds Banking Group plc recorded a moderate revenue growth of 4.5% in 2024. This indicates a stable business development supported by a solid market position in the British banking sector. The profit growth of 3.2% suggests efficient cost control and improved profitability.

The return on equity of 10.5% is an indicator of the company's ability to generate profits from its equity, which can be considered solid compared to other banks. The Common Equity Tier 1 ratio of 14.2% demonstrates a strong capital base that enables the bank to meet regulatory requirements and address potential economic uncertainties.

Overall, Lloyds Banking Group plc appears to have a stable financial foundation that allows it to overcome future challenges. Investors may see this as a positive sign for potential investment, especially if they are interested in the long-term stability and growth of the British banking sector.

Dividend yield: 5.2% (estimated for 2025)
Dividend history: Continuous distribution in recent years

In recent years, Lloyds Banking Group plc has regularly paid dividends and is expected to continue to do so in 2025. The estimated dividend yield is around 5.2%, which is competitive compared to other banks in the United Kingdom.

The reliability of Lloyds' dividend payments is supported by its strong capital position and solid earnings. The company has followed a policy of stable and sustainable dividend distribution in the past, indicating a high reliability of payouts. Analysts expect Lloyds to continue this practice unless significant economic or regulatory changes occur.