Lloyds Banking Group (LYG) Balance Sheet: Assets & Liabilities

Lloyds Banking Group (LYG) Balance Sheet

As of Dec 31, 2025 (end of fiscal 2025), Lloyds Banking Group reported total assets of GBP 944.07B and total liabilities of GBP 896.21B. Shareholders' equity was GBP 47.67B, up 3.9% from GBP 45.89B a year earlier. Total debt stood at GBP 95.14B against GBP 60.60B in cash and short-term investments, a net debt position of GBP 34.55B. That puts debt-to-equity at 2.00, compared with 1.81 a year earlier.

Lloyds Banking Group Balance Sheet Analysis

Values in billions GBP

Income Statement Balance Sheet Cash Flow Ratios

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Balance sheet showing assets, liabilities, and shareholders' equity for Lloyds Banking Group plc (LYG) - Annual data in billions GBP
Breakdown	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2021	FY 2020	FY 2019	FY 2018	FY 2017
Period ending	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Jan 2022	Dec 2021	Dec 2020	Dec 2019	Dec 2018	Dec 2017
Current Assets
Cash and Cash Equivalents	56.66	62.68	76.18	92.05	79.19	76.57	73.56	55.44	55.31	59.28
Short-Term Investments	3.94	4.36	0.00	0.00	-	6.84	0.00	0.00	0.00	0.00
Cash & Short-Term Investments	60.60	67.07	78.11	92.05	-	83.41	73.56	55.44	55.31	59.28
Accounts Receivable	1.35	0.53	0.00	0.00	-	0.36	0.00	0.00	0.75	0.60
Inventory	0.00	0.00	0.00	0.00	-	0.00	0.00	0.00	0.00	0.00
Other Current Assets	1.79	1.63	1.46	1.22	-	1.02	1.23	3.74	3.74	4.26
Total Current Assets	63.73	69.23	79.57	93.27	-	84.79	74.79	59.18	59.80	64.14
Non-Current Assets
Property, Plant & Equipment (Net)	11.00	10.12	9.67	8.13	-	7.97	8.41	9.55	8.53	9.03
Long-Term Investments	0.45	509.32	0.40	0.39	0.35	507.51	498.81	493.26	555.70	519.61
Goodwill	3.01	8.19	8.31	2.66	2.32	2.32	2.32	2.32	2.31	2.31
Intangible Assets	5.58	5.44	5.51	4.96	9.71	4.20	4.14	3.81	3.35	2.84
Other Non-Current Assets	336.03	304.84	286.63	269.72	-	276.63	280.06	263.10	165.45	211.90
Total Non-Current Assets	880.34	837.47	801.89	780.12	-	801.73	796.48	774.71	737.80	747.97
Total Assets	944.07	906.70	881.45	873.39	881.26	886.53	871.27	833.89	797.60	812.11
Current Liabilities
Accounts Payable	7.19	0.00	6.92	5.53	-	0.00	0.00	0.00	0.00	0.00
Other Current Liabilities	511.38	500.00	479.08	484.13	-	491.15	464.14	452.22	449.87	449.34
Total Current Liabilities	511.38	500.05	479.12	484.14	-	491.16	464.17	452.41	450.24	449.61
Non-Current Liabilities
Long-Term Debt	95.15	83.04	87.24	91.84	85.98	91.84	108.76	113.62	105.97	87.18
Other Non-Current Liabilities	289.68	272.24	261.30	253.51	-	250.37	248.93	220.07	191.19	226.17
Total Non-Current Liabilities	384.82	360.76	354.97	345.35	-	342.21	357.69	333.68	297.16	313.35
Total Liabilities	896.21	860.81	834.09	829.48	833.37	833.37	821.86	786.09	747.40	762.97
Stockholders' Equity
Common Stock	5.89	6.06	6.36	6.73	7.10	7.10	7.08	7.01	7.12	7.20
Retained Earnings	6.29	5.91	6.79	6.55	10.24	10.24	4.58	3.25	5.39	4.91
Accumulated Other Comprehensive Income	0.00	8.83	8.51	6.59	11.19	0.00	0.00	0.00	0.00	0.00
Additional Paid-in Capital	24.77	27.99	23.94	23.44	-	35.57	37.52	37.35	37.42	36.80
Minority Interest	0.20	0.17	0.20	0.24	-	0.24	0.23	0.20	0.27	0.24
Shares Outstanding	58.76	60.49	63.51	67.29	-	-	-	-	-	-
Total Stockholders' Equity	47.67	45.89	47.37	43.67	51.22	52.92	49.18	47.60	49.93	48.91
Total Liabilities & Equity	944.07	906.70	881.45	873.39	-	886.53	871.27	833.89	797.60	812.11

Source: Company financial statements from annual and quarterly filings. Data as of Sep 30, 2026. Data sources and methodology

Frequently Asked Questions About Lloyds Banking Group Balance Sheet

How much debt does Lloyds Banking Group have?

Lloyds Banking Group had total debt of GBP 95.14B as of Dec 31, 2025, against GBP 60.60B in cash and short-term investments. Its debt-to-equity ratio was 2.00. Total debt was GBP 83.04B a year earlier.

What are Lloyds Banking Group's total assets?

Lloyds Banking Group reported total assets of GBP 944.07B as of Dec 31, 2025, up 4.1% from GBP 906.70B a year earlier. Total liabilities were GBP 896.21B.

What is Lloyds Banking Group's shareholders' equity?

Lloyds Banking Group's shareholders' equity was GBP 47.67B as of Dec 31, 2025, or about GBP 0.81 of book value per share.

What is the debt-to-equity ratio?

The debt-to-equity ratio divides a company's total debt by its shareholders' equity. It shows how much of the business is financed with borrowed money; normal levels vary widely by industry. Full definition