Lloyds Banking Group Balance Sheet Health
Financial Health criteria checks 5/6
Lloyds Banking Group has total assets of £892.9B and total equity of £45.1B. Total deposits are £480.3B, and total loans are £460.9B earning a Net Interest Margin of 3.1%. It has insufficient allowance for bad loans, which are currently at 1.6% of total loans. Cash and short-term investments are £167.9B.
Key information
19.8x
Asset to equity ratio
3.1%
Net interest margin
| Total deposits | UK£480.28b |
| Loan to deposit ratio | Appropriate |
| Bad loans | 1.6% |
| Allowance for bad loans | Low |
| Current ratio | Low |
| Cash & equivalents | UK£167.87b |
Recent financial health updates
No updates
Recent updates
Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: LLOY's Assets to Equity ratio (19.8x) is moderate.
Allowance for Bad Loans: LLOY has a low allowance for bad loans (45%).
Low Risk Liabilities: 57% of LLOY's liabilities are made up of primarily low risk sources of funding.
Loan Level: LLOY has an appropriate level of Loans to Assets ratio (52%).
Low Risk Deposits: LLOY's Loans to Deposits ratio (96%) is appropriate.
Level of Bad Loans: LLOY has an appropriate level of bad loans (1.6%).