PWLBtoday
Counterparty/Lloyds Bank plc
Built 2026-09-14 17:10 UTCBeta
LL

Lloyds Bank plc

Bank · UKAA · LEI H7FNTJ4851HG0EXQ1Z70
Counterparty scoreBand B
68
13th percentile of 15 peers
coverage92% of the method
Rating81w 40
Capital79w 25
Liquidity57w 15
Stability0w 10
Assets—w 5
Profit59w 5
Rating anchor and public pillars with published weights (w). Market overlay +1.5, bounded at ±10. Method
Agency ratingscompositeA+Stable (bonds)
Fitch
AA▶
ST F1+
2026-05-12
S&P
A+▶
ST A-1
2025-09-10
Moody's
A1▶
ST P-1 · deposit
2025-11-18
DBRS
AA(L)
ST R-1(M)
2026-05-14
ESMA European Rating Platform, checked daily · ▲ positive ▼ negative ◆ watch ▶ stableRating history
CET1 ratio
13.6%
0.0 vs prior2026-06-30
Leverage ratio
5.1%
−0.1 vs prior2026-06-30
Total capital
19.8%
−0.1 vs prior2026-06-30
LCR
134%
−1.0 vs prior2026-06-30
NSFR
118%
0.0 vs prior2026-06-30
Risk-weighted assets
198.2bn
−0.1% vs prior2026-06-30
15 series held, up to 48 periods each. Click a card to open it full size with every point and its date. The grey band on a ratio is where this bank’s peer group stands today, quartile to quartile, with the median dashed — not a peer history.
Standing
Capital
Liquidity and funding
Profitability and efficiency
Balance sheet

Rating history

Every action the European Rating Platform holds, since 2015. The composite is the median of the agencies on the day.
8upgrades
4downgrades
1.0notch stronger
20162017201820192020202120222023202420252026AA-A+Acomposite A from 2015-07-01composite A+ from 2015-08-12composite A from 2015-11-24composite A+ from 2016-02-04composite A from 2016-10-10composite A+ from 2017-03-07composite A+ from 2019-06-10composite A+ from 2020-10-20composite A+ from 2024-11-21A+COMPOSITEFitchFitch A+ from 2015-07-01 to 2024-11-21A+Fitch AA- from 2024-11-21 to 2026-05-12AA-Fitch AA from 2026-05-12, stillFitch: stable outlook from 2016-05-06Fitch: watch negative outlook from 2019-03-01Fitch: stable outlook from 2019-12-20Fitch: negative outlook from 2020-03-31Fitch: stable outlook from 2021-07-05AAS&PS&P A from 2015-07-01 to 2018-05-08AS&P A+ from 2018-05-08, stillA+S&P: stable outlook from 2015-07-02S&P: negative outlook from 2016-07-07S&P: positive outlook from 2017-11-15S&P: stable outlook from 2018-05-08S&P: negative outlook from 2020-04-23S&P: stable outlook from 2021-06-24A+Moody'sMoody's A1 from 2015-07-01 to 2017-09-27A1Moody's Aa3 from 2017-09-27 to 2020-10-20Aa3Moody's A1 from 2020-10-20, stillA1Moody's: positive outlook from 2015-07-01Moody's: stable outlook from 2016-06-28Moody's: watch positive outlook from 2017-08-02Moody's: stable outlook from 2019-01-29Moody's: negative outlook from 2019-11-12Moody's: stable outlook from 2020-10-20A1DBRSDBRS A from 2015-07-01 to 2015-08-12DBRS AA(L) from 2015-08-12 to 2015-09-29DBRS A(H) from 2015-09-29 to 2015-11-24DBRS A from 2015-11-24 to 2016-02-04DBRS AA from 2016-02-04 to 2016-10-10AADBRS A from 2016-10-10 to 2017-03-07DBRS A(H) from 2017-03-07 to 2019-06-10A(H)DBRS AA(L) from 2019-06-10, stillAA(L)DBRS: watch negative outlook from 2015-08-12DBRS: watch negative outlook from 2017-01-13DBRS: positive outlook from 2018-06-08DBRS: negative outlook from 2020-06-05DBRS: stable outlook from 2022-06-07AA(L)
AAACCCpositive outlookstablenegativewent on watch

Every move since 2015

  • 2026-05-12↑Fitch upgrade AA- → AA · 1 notch
  • 2024-11-21↑Fitch upgrade A+ → AA- · 1 notch
  • 2020-10-20↓Moody's downgrade Aa3 → A1 · 1 notch
  • 2019-06-10↑DBRS upgrade A(H) → AA(L) · 1 notch
  • 2018-05-08↑S&P upgrade A → A+ · 1 notch
  • 2017-09-27↑Moody's upgrade A1 → Aa3 · 1 notch
  • 2017-03-07↑DBRS upgrade A → A(H) · 1 notch
  • 2016-10-10↓DBRS downgrade AA → A · 3 notches

Every rating held today

AgencyTypeRatingOutlookDate
DBRSissuer credit · long-termAA(L)—2026-05-14
DBRSissuer credit · short-termR-1(M)—2026-05-14
Fitchissuer default · long-termAAstable2026-05-12
Fitchissuer default · short-termF1+—2026-05-12
Moody'scounterparty · long-termAa3—2025-11-18
Moody'sdeposit · long-termA1stable2025-11-18
Moody'scounterparty · short-termP-1—2025-11-18
Moody'sdeposit · short-termP-1—2025-11-18
S&Pissuer credit · long-termA+stable2025-09-10
S&Presolution counterparty · long-termAA-—2025-09-10
S&Pissuer credit · short-termA-1—2025-09-10
S&Presolution counterparty · short-termA-1+—2025-09-10
Source: ESMA European Rating Platform, checked daily, with agency attribution.
Share price, 12 months · Lloyds Banking GroupGBp
71.3385.0398.73112.43126.1325-09: 80.4825-09: 81.6225-09: 82.9425-09: 81.9825-09: 83.0025-10: 83.7625-10: 86.3825-10: 84.1825-10: 83.0025-10: 85.8625-10: 88.8225-11: 89.5625-11: 94.6225-11: 90.8425-11: 87.1225-11: 96.6025-12: 95.9625-12: 94.3225-12: 95.1425-12: 97.4225-12: 97.2626-01: 99.9626-01: 100.3026-01: 102.2026-01: 101.4026-01: 105.2526-02: 111.4526-02: 106.7526-02: 102.4026-02: 104.6026-02: 102.6026-03: 99.9226-03: 95.4226-03: 95.5026-03: 96.5426-03: 93.2026-03: 91.2826-04: 95.7326-04: 100.6626-04: 105.1226-04: 98.8826-04: 97.0526-05: 99.4626-05: 94.0626-05: 95.2426-05: 99.6026-05: 101.9026-06: 100.5026-06: 97.2226-06: 104.0526-06: 109.2026-06: 109.2026-07: 114.6526-07: 110.5026-07: 111.9526-07: 110.9526-07: 113.5026-07: 115.6526-08: 117.1026-08: 113.8026-08: 114.7026-08: 111.2526-08: 109.3026-09: 112.4526-09: 109.65109.6525-0925-1025-1226-0226-0426-0626-09
Lloyds Banking Group is the listed company; this entity has no equity of its own, and the group price does not enter its score.
30-day realised volatility · Lloyds Banking Group18.0%
Drawdown from 52-week high · Lloyds Banking Group-5.8%
Market signal Stable (bonds)
Last price · Lloyds Banking Group2026-09-14
Bond yields vs peers, 31-day−11 bp (4 bonds, 2026-09-14)
CDS levels, bond yields and agency ratings feed the private market overlay and are never shown as levels; only the direction and the change against peers are public.
Every event held for this name, newest first: rating actions, Pillar 3 documents and filtered headlines. Severity is rules-based — read the source.
2026-09-14
Town's Lloyds branch to close temporarily just DAYS after Halifax merger - Bucks Free Press
Bucks Free Press
info
2026-09-11
Balfour Beatty refinances debt through £515m deal with Lloyds - Scottish Construction Now
Scottish Construction Now
info
2026-08-10
Lloyds faces £1.2 billion Arena TV fraud claims - what it means for banks' duty to spot red flags - vwv.co.uk
vwv.co.uk
warn
2026-08-10
Why is Lloyds battling a £1.2bn fraud trial? - TheBanker.com
TheBanker.com
warn
2026-08-09
Lloyds faces £1.2bn lawsuits over Arena Television loans ‘fraud’ - The Times
The Times
warn
2026-07-30
Lloyds Banking Group Reports Strong First-Half Results and Launches Accelerate 2030 Strategy - uk.finance.yahoo.com
uk.finance.yahoo.com
good
2026-07-30
Lloyds beats profit target as bank sets sights on more cost-cutting - City AM
City AM
good
2026-07-30
Lloyds Bank's new strategy and how it beat profit forecasts - Interactive Investor
Interactive Investor
good
2026-06-30
Pillar 3 report for the period to 2026-06-30: 2026-lb-hy-pillar-3.pdf
firm website
info
2026-06-03
Lloyds, Halifax, Bank of Scotland customers report online banking outages. - investments.halifax.co.uk
investments.halifax.co.uk
warn
2026-05-14
DBRS affirmation: Issuer Debt Rating AA(L)
ESMA European Rating Platform
info
2026-05-14
DBRS affirmation: Issuer Debt Rating R-1(M)
ESMA European Rating Platform
info
2026-05-14
DBRS affirmation: Issuer Debt Rating A
ESMA European Rating Platform
info
2026-05-14
DBRS affirmation: Issuer Debt Rating AA (H)
ESMA European Rating Platform
info
2026-05-14
DBRS affirmation: Issuer Debt Rating R-1 (H)
ESMA European Rating Platform
info
2026-05-14
DBRS affirmation: Issuer Rating AA(L)
ESMA European Rating Platform
info
2026-05-14
DBRS affirmation: Issuer Rating R-1(M)
ESMA European Rating Platform
info
2026-05-12
Fitch upgrade: Derivative Counterparty Rating AA(dcr)
ESMA European Rating Platform
good
2026-05-12
Fitch maintained under stable outlook: Long Term Issuer Default Rating
ESMA European Rating Platform
info
2026-05-12
Fitch upgrade: Long Term Issuer Default Rating AA
ESMA European Rating Platform
good
2026-05-12
Fitch affirmation: Short Term Issuer Default Rating F1+
ESMA European Rating Platform
info
2026-04-28
Pillar 3 report for the period to 2026-03-31 published: 2026-lb-q1-pillar-3.pdf
firm website
info
2026-04-22
DBRS withdrawal: Issuer Debt Rating
ESMA European Rating Platform
info
2026-04-16
DBRS withdrawal: Issuer Debt Rating
ESMA European Rating Platform
info
2026-02-26
Pillar 3 report for the period to 2025-12-31 published: 2025-lb-fy-pillar-3.pdf
firm website
info
2025-12-31
DBRS withdrawal: Issuer Debt Rating
ESMA European Rating Platform
info
2025-12-17
DBRS new: Issuer Debt Rating AA(L)
ESMA European Rating Platform
info
2025-12-11
DBRS withdrawal: Issuer Debt Rating
ESMA European Rating Platform
info
2025-11-18
Moody's affirmation: Deposit Rating P-1
ESMA European Rating Platform
info
2025-11-18
Moody's affirmation: Counterparty Risk Rating Aa3
ESMA European Rating Platform
info
2025-11-18
Moody's affirmation: Counterparty Risk Rating P-1
ESMA European Rating Platform
info
2025-11-18
Moody's affirmation: Deposit Rating A1
ESMA European Rating Platform
info
2025-11-18
Moody's maintained under stable outlook: Deposit Rating
ESMA European Rating Platform
info
2025-11-13
Fitch affirmation: Derivative Counterparty Rating AA-(dcr)
ESMA European Rating Platform
info
2025-11-13
Fitch maintained under stable outlook: Long Term Issuer Default Rating
ESMA European Rating Platform
info
2025-11-13
Fitch affirmation: Long Term Issuer Default Rating AA-
ESMA European Rating Platform
info
2025-11-13
Fitch affirmation: Short Term Issuer Default Rating F1+
ESMA European Rating Platform
info
2025-10-22
Pillar 3 report for the period to 2025-09-30 published: 2025-lb-q3-pillar-3.pdf
firm website
info
2025-10-14
DBRS withdrawal: Issuer Debt Rating
ESMA European Rating Platform
info
2025-09-10
S&P affirmation: Issuer Credit Rating A+
ESMA European Rating Platform
info
2025-09-10
S&P affirmation: Issuer Credit Rating A-1
ESMA European Rating Platform
info
2025-09-10
S&P affirmation: Certificate Of Deposit A-1
ESMA European Rating Platform
info
2025-09-10
S&P affirmation: Resolution Counterparty Rating AA-
ESMA European Rating Platform
info
2025-09-10
S&P affirmation: Resolution Counterparty Rating A-1+
ESMA European Rating Platform
info
2025-09-10
S&P maintained under stable outlook: Issuer Credit Rating
ESMA European Rating Platform
info
2025-08-18
Pillar 3 report for the period to 2025-06-30 published: 2025-lb-hy-pillar-3.pdf
firm website
info
2025-04-28
Pillar 3 report for the period to 2025-03-31 published: 2025-lb-q1-pillar-3.pdf
firm website
info
2025-02-27
Pillar 3 report for the period to 2024-12-31 published: 2024-lb-fy-pillar-3.pdf
firm website
info
2024-10-22
Pillar 3 report for the period to 2024-09-30 published: 2024-lb-q3-pillar-3.pdf
firm website
info
2024-08-16
Pillar 3 report for the period to 2024-06-30 published: 2024-lb-hy-pillar-3.pdf
firm website
info
2024-04-23
Pillar 3 report for the period to 2024-03-31 published: 2024-lb-q1-pillar-3.pdf
firm website
info
2024-02-28
Pillar 3 report for the period to 2023-12-31 published: 2023-lb-fy-pillar-3.pdf
firm website
info
2023-10-20
Pillar 3 report for the period to 2023-09-30 published: 2023-lb-q3-pillar-3.pdf
firm website
info
2023-08-17
Pillar 3 report for the period to 2023-06-30 published: 2023-lb-hy-pillar-3.pdf
firm website
info

Documents and feeds

Firm's Pillar 3 disclosures · read from the PDF, prior-period column
16 documents · 8 metrics · 2021-09-30 to 2026-06-30
Latest source
ESEF annual accounts (filings.xbrl.org) · tagged XBRL filing
4 documents · 6 metrics · 2019-12-31 to 2025-12-31
Latest source

Latest value of every metric held

MetricValueReference dateSourceConfidence
CET1 capital ratio13.602026-06-30Firm's Pillar 3 disclosures · read from the PDF0.95
Total deposits (currency millions)465,207.002025-12-31ESEF annual accounts (filings.xbrl.org) · tagged XBRL filing0.85
Cost-to-income or efficiency ratio68.972025-12-31ESEF annual accounts (filings.xbrl.org) · tagged XBRL filing0.75
Liquidity coverage ratio134.002026-06-30Firm's Pillar 3 disclosures · read from the PDF0.95
Leverage ratio5.102026-06-30Firm's Pillar 3 disclosures · read from the PDF0.95
Net interest margin2.152025-12-31ESEF annual accounts (filings.xbrl.org) · tagged XBRL filing0.75
Net stable funding ratio118.002026-06-30Firm's Pillar 3 disclosures · read from the PDF0.95
Overall capital requirement17.302026-06-30Firm's Pillar 3 disclosures · read from the PDF0.95
Return on assets0.622025-12-31ESEF annual accounts (filings.xbrl.org) · tagged XBRL filing0.85
Return on equity9.442025-12-31ESEF annual accounts (filings.xbrl.org) · tagged XBRL filing0.85
Risk-weighted assets (currency millions)198,239.002026-06-30Firm's Pillar 3 disclosures · read from the PDF0.95
Tier 1 capital ratio16.202026-06-30Firm's Pillar 3 disclosures · read from the PDF0.95
Total assets (currency millions)631,335.002025-12-31ESEF annual accounts (filings.xbrl.org) · tagged XBRL filing0.85
Total capital ratio19.802026-06-30Firm's Pillar 3 disclosures · read from the PDF0.95