Lloyds Banking Group Balance Sheet Health
Financial Health criteria checks 5/6
Lloyds Banking Group has total assets of £900.8B and total equity of £46.4B. Total deposits are £481.6B, and total loans are £465.4B earning a Net Interest Margin of 3.1%. It has insufficient allowance for bad loans, which are currently at 1.5% of total loans. Cash and short-term investments are £342.4B.
Key information
19.4x
Asset to equity ratio
3.1%
Net interest margin
| Total deposits | UK£481.61b |
| Loan to deposit ratio | Appropriate |
| Bad loans | 1.5% |
| Allowance for bad loans | Low |
| Current ratio | Low |
| Cash & equivalents | UK£342.41b |
Recent financial health updates
No updates
Recent updates
Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: LLOYL's Assets to Equity ratio (19.4x) is moderate.
Allowance for Bad Loans: LLOYL has a low allowance for bad loans (46%).
Low Risk Liabilities: 56% of LLOYL's liabilities are made up of primarily low risk sources of funding.
Loan Level: LLOYL has an appropriate level of Loans to Assets ratio (52%).
Low Risk Deposits: LLOYL's Loans to Deposits ratio (97%) is appropriate.
Level of Bad Loans: LLOYL has an appropriate level of bad loans (1.5%).