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

Lloyds Banking Group plc

Group · UKAA · LEI 549300PPXHEU2JF0AM85
Counterparty scoreBand B
71
53th percentile of 15 peers
coverage100% of the method
Rating81w 40
Capital77w 25
Liquidity67w 15
Stability0w 10
Assets70w 5
Profit62w 5
Rating anchor and public pillars with published weights (w). Market overlay +3.0, bounded at ±10. Method
Agency ratingscompositeA+Stable (bonds)
Fitch
A+▶
ST F1
2025-11-13
S&P
A-▶
ST A-2
2025-09-10
DBRS
A(H)
ST R-1(M)
2026-05-14
ESMA European Rating Platform, checked daily · ▲ positive ▼ negative ◆ watch ▶ stableRating history
CET1 ratio
13.6%
+0.2 vs prior2026-06-30
Leverage ratio
5.1%
0.0 vs prior2026-06-30
Total capital
18.4%
+0.2 vs prior2026-06-30
LCR
144%
0.0 vs prior2026-06-30
NSFR
123%
0.0 vs prior2026-06-30
Risk-weighted assets
241.8bn
+0.4% vs prior2026-06-30
16 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
Asset quality
Balance sheet

Rating history

Every action the European Rating Platform holds, since 2015. The composite is the median of the agencies on the day.
5upgrades
2downgrades
3.0notches stronger
20162017201820192020202120222023202420252026A+AA-BBB+composite BBB+ from 2015-07-01composite A from 2015-09-29composite BBB+ from 2015-11-24composite A from 2017-03-07composite A+ from 2019-06-10composite A from 2021-05-19composite A+ from 2024-11-21A+COMPOSITEFitchFitch A+ from 2015-07-01 to 2021-05-19A+Fitch A from 2021-05-19 to 2024-11-21AFitch A+ from 2024-11-21, stillA+Fitch: 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 2021-07-05A+S&PS&P BBB+ from 2015-07-01 to 2025-09-10BBB+S&P A- from 2025-09-10, stillA-S&P: stable outlook from 2015-07-02S&P: negative outlook from 2017-01-31S&P: stable outlook from 2017-11-15S&P: negative outlook from 2020-04-23S&P: stable outlook from 2021-06-24A-DBRSDBRS BBB from 2015-07-01 to 2015-09-29DBRS A from 2015-09-29 to 2015-11-24DBRS BBB from 2015-11-24 to 2017-01-13BBBDBRS A(L) from 2017-01-13 to 2017-03-07DBRS A from 2017-03-07 to 2019-06-10ADBRS A(H) from 2019-06-10, stillA(H)DBRS: watch negative outlook from 2017-01-13DBRS: positive outlook from 2018-06-08DBRS: negative outlook from 2020-06-05DBRS: stable outlook from 2022-06-07A(H)
AAACCCpositive outlookstablenegativewent on watch

Every move since 2015

  • 2025-09-10↑S&P upgrade BBB+ → A- · 1 notch
  • 2024-11-21↑Fitch upgrade A → A+ · 1 notch
  • 2021-05-19↓Fitch downgrade A+ → A · 1 notch
  • 2019-06-10↑DBRS upgrade A → A(H) · 1 notch
  • 2017-03-07↑DBRS upgrade BBB → A · 3 notches
  • 2015-11-24↓DBRS downgrade A → BBB · 3 notches
  • 2015-09-29↑DBRS upgrade BBB → A · 3 notches

Every rating held today

AgencyTypeRatingOutlookDate
DBRSissuer credit · long-termA(H)—2026-05-14
DBRSissuer credit · short-termR-1(M)—2026-05-14
Fitchissuer default · long-termA+stable2025-11-13
Fitchissuer default · short-termF1—2025-11-13
S&Pissuer credit · long-termA-stable2025-09-10
S&Pissuer credit · short-termA-2—2025-09-10
Source: ESMA European Rating Platform, checked daily, with agency attribution.
Share price, 12 monthsGBp
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
30-day realised volatility18.0%
Drawdown from 52-week high-5.8%
Market signal Stable (bonds)
Last price2026-09-14
Bond yields vs peers, 31-day+0 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.
2026-09-10
Brilliant Moves: Coffee with Lloyds Banking Group CEO Charlie Nunn - YouTube
YouTube
info
2026-08-31
Prediction: check out the intriguing Lloyds share price and dividend yield for September 2027 - The Twelfth Magpie
The Twelfth Magpie
info
2026-08-27
Lloyds Banking Group appoints Kelly Bennett to board - scottishfinancialnews.com
scottishfinancialnews.com
info
2026-08-24
DBRS new: Issuer Debt Rating A(L)
ESMA European Rating Platform
info
2026-08-24
DBRS new: Issuer Debt Rating A(H)
ESMA European Rating Platform
info
2026-08-10
Why is Lloyds battling a £1.2bn fraud trial? - TheBanker.com
TheBanker.com
warn
2026-08-03
Lloyds Sets Welcome Summer Surprise With H1 2026 Profit Result - Wealth Briefing
Wealth Briefing
good
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 Banking Group Reports £4.3bn Profit And Raises Shareholder Returns - DirectorsTalk Interviews
DirectorsTalk Interviews
good
2026-07-30
Lloyds sets sights on more cost-cutting after axing Halifax as profits rocket 23% - This is Money
This is Money
good
2026-07-29
Lloyds (Q2 Results): good trends, new 2030 targets - Hargreaves Lansdown
Hargreaves Lansdown
good
2026-07-26
Lloyds shares seem unstoppable — but what do investors need to watch out for? - uk.finance.yahoo.com
uk.finance.yahoo.com
info
2026-07-13
DBRS new: Issuer Debt Rating A(H)
ESMA European Rating Platform
info
2026-06-30
Pillar 3 report for the period to 2026-06-30: 2026-lbg-hy-pillar-3.pdf
firm website
info
2026-06-24
South Africa: Lloyds Banking Group considers a bid for Aldermore - Financial Afrik
Financial Afrik
info
2026-06-11
DBRS withdrawal: Issuer Debt Rating
ESMA European Rating Platform
info
2026-06-03
Lloyds, Halifax and Bank of Scotland back after online banking outage - BBC
BBC
warn
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 A(H)
ESMA European Rating Platform
info
2026-05-14
DBRS affirmation: Issuer Debt Rating A(L)
ESMA European Rating Platform
info
2026-05-14
DBRS affirmation: Issuer Rating A(H)
ESMA European Rating Platform
info
2026-05-14
DBRS affirmation: Issuer Rating R-1(M)
ESMA European Rating Platform
info
2026-05-14
DBRS affirmation: Issuer Debt Rating R-1(M)
ESMA European Rating Platform
info
2026-04-28
DBRS withdrawal: Issuer Debt Rating
ESMA European Rating Platform
info
2026-04-28
Pillar 3 report for the period to 2026-03-31 published: 2026-lbg-q1-pillar-3.pdf
firm website
info
2026-04-14
DBRS withdrawal: Issuer Debt Rating
ESMA European Rating Platform
info
2026-03-25
DBRS withdrawal: Issuer Debt Rating
ESMA European Rating Platform
info
2026-03-10
DBRS new: Issuer Debt Rating A(H)
ESMA European Rating Platform
info
2026-03-04
DBRS new: Issuer Debt Rating A(H)
ESMA European Rating Platform
info
2026-03-04
DBRS new: Issuer Debt Rating A(L)
ESMA European Rating Platform
info
2026-03-03
DBRS new: Issuer Debt Rating A(H)
ESMA European Rating Platform
info
2026-02-17
Pillar 3 report for the period to 2025-12-31 published: 2025-lbg-fy-pillar-3.pdf
firm website
info
2025-12-17
DBRS new: Issuer Debt Rating A(L)
ESMA European Rating Platform
info
2025-12-17
DBRS new: Issuer Debt Rating A(H)
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 A+
ESMA European Rating Platform
info
2025-11-13
Fitch affirmation: Short Term Issuer Default Rating F1
ESMA European Rating Platform
info
2025-10-28
DBRS new: Issuer Debt Rating A(L)
ESMA European Rating Platform
info
2025-10-28
DBRS new: Issuer Debt Rating A(H)
ESMA European Rating Platform
info
2025-10-22
Pillar 3 report for the period to 2025-09-30 published: 2025-lbg-q3-pillar-3.pdf
firm website
info
2025-09-10
S&P upgrade: Issuer Credit Rating A-
ESMA European Rating Platform
good
2025-09-10
S&P affirmation: Issuer Credit Rating A-2
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-lbg-hy-pillar-3.pdf
firm website
info
2025-04-28
Pillar 3 report for the period to 2025-03-31 published: 2025-lbg-q1-pillar-3.pdf
firm website
info
2025-02-19
Pillar 3 report for the period to 2024-12-31 published: 2024-lbg-fy-pillar-3.pdf
firm website
info
2024-10-22
Pillar 3 report for the period to 2024-09-30 published: 2024-lbg-q3-pillar-3.pdf
firm website
info
2024-08-12
Pillar 3 report for the period to 2024-06-30 published: 2024-lbg-hy-pillar-3.pdf
firm website
info

Documents and feeds

EBA Transparency Exercise · published data file
6 documents · 7 metrics · 2015-12-31 to 2020-06-30
Latest source
Firm's Pillar 3 disclosures · read from the PDF, prior-period column
11 documents · 8 metrics · 2023-09-30 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
Yahoo Finance fundamentals · public API
1 document · 2 metrics · 2025-06-30 to 2026-06-30
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)509,121.002026-06-30Yahoo Finance fundamentals · public API0.80
Cost-to-income or efficiency ratio64.242025-12-31ESEF annual accounts (filings.xbrl.org) · tagged XBRL filing0.75
Liquidity coverage ratio144.002026-06-30Firm'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 margin1.432025-12-31ESEF annual accounts (filings.xbrl.org) · tagged XBRL filing0.75
Non-performing or noncurrent loan ratio1.762020-06-30EBA Transparency Exercise · published data file0.85
Net stable funding ratio123.002026-06-30Firm's Pillar 3 disclosures · read from the PDF0.95
Overall capital requirement14.802026-06-30Firm's Pillar 3 disclosures · read from the PDF0.95
Return on assets0.512025-12-31ESEF annual accounts (filings.xbrl.org) · tagged XBRL filing0.85
Return on equity10.152025-12-31ESEF annual accounts (filings.xbrl.org) · tagged XBRL filing0.85
Risk-weighted assets (currency millions)241,783.002026-06-30Firm's Pillar 3 disclosures · read from the PDF0.95
Tier 1 capital ratio15.502026-06-30Firm's Pillar 3 disclosures · read from the PDF0.95
Total assets (currency millions)994,157.002026-06-30Yahoo Finance fundamentals · public API0.80
Total capital ratio18.402026-06-30Firm's Pillar 3 disclosures · read from the PDF0.95