Lloyds Banking Group

Bank of Scotland is a commercial and clearing bank based in Edinburgh, Scotland. With a history dating to the 17th century, it is the fifth-oldest surviving bank in the United Kingdom (the Bank of England having been established one year before), and is the only commercial institution created by the Parliament of Scotland to remain in existence. It was one of the first banks in Europe to print its own banknotes and it continues to print its own sterling banknotes under legal arrangements which allow Scottish banks to issue currency.

Bank of Scotland

Lloyds Banking Group Plc is a financial services company, which engages in the provision of banking and financial services. It operates through the following segments: Retail, Commercial Banking, Insurance and Wealth, and Other. The Retail segment offers broad range of financial service products, including current accounts, savings, mortgages, motor finance and unsecured consumer lending to personal, and small business customers. The Commercial Banking segment provides a range of products and services such as lending, transactional banking, working capital management, risk management and debt capital markets services to SMEs, corporates, and financial institutions. The Insurance and Wealth segment focuses on the insurance, investment, and wealth management products and services. The Other segment refers to income and expenditure not attributed to the group’s financial reporting segments. These amounts include those arising from the group’s equities business, residual net interest income after transfer pricing, and certain gains from gilt sales. The company was founded by George Truett Tate in 2009 and is headquartered in London, the United Kingdom.

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Lloyds Banking Group plc (NYSE:LYG ) Q2 2022 Earnings Conference Call July 27, 2022 4:30 AM ET Company Participants Charlie Nunn - Group Chief Executive William Chalmers - CFO Douglas Radcliffe - Head of IR Conference Call Participants Joseph Dickerson - Jefferies & Company Omar Keenan - Credit Suisse Jonathan Pierce - Numis Securities Rohith Chandra-Rajan - Bank of America Merrill Lynch Raul Sinha - JPMorgan Christopher Cant - Autonomous Research LLP Guy Stebbings - BNP Paribas Exane Martin Leitgeb - Goldman Sachs Operator Thank you for standing by, and welcome to the Lloyds Banking Group 2022 Half Year Results Call. [Operator Instructions] There will be presentations from Charlie Nunn and William Chalmers, followed by a question-and-answer session.

Lloyds Banking Group plc (LYG) CEO Charlie Nunn on Q2 2022 Results - Earnings Call Transcript

Lloyds Bank plc (the Bank) (NYSE EURONEXT: LY8) and its subsidiary undertakings (the Group) provide a wide range of banking and financial services through branches and offices in the UK and in certain locations overseas. The Group's revenue is earned through interest and fees on a broad range of financial services products including current accounts, savings, mortgages, credit cards, motor finance and unsecured loans to personal and business banking customers; and lending, transactional banking, working capital management and risk management services to commercial customers.

Lloyds Bank plc 2022 Half-Year Results

Lloyds Banking Group PLC (LSE:LLOY) is misunderstood and mispriced, that's the view of stockbroker Shore Capital, which has repeated a ‘buy' recommendation following this morning's second quarter results. Analyst Gary Greenwood, in a note, highlighted that Lloyds beat market expectations in the quarter and its guidance has been upgraded.

Lloyds “misunderstood and mispriced” as banking group upgrades guidance - broker

Lloyds Banking is favourite to deliver a pleasant surprise for its investors when it kicks off the bank season on Wednesday, says Credit Suisse. Second quarter net profits should be around £1.4bn, suggest analysts at the bank, which is slightly above consensus estimates elsewhere.

Lloyds Banking update to underline rising margins, suggest brokers

Lloyds Banking Group PLC (LSE:LLOY) half-year results next week should offer scope for some share price outperformance from the bank according to UBS. The broker highlights a number of areas where the banking group could shine, namely returns from deposits, more targeted mortgages to protect spreads and increased hedge size and duration.

Lloyds Bank can shine in next week's bank season, suggests UBS

Lloyds (LON: LLOY) share price pulled back on Friday this week as investors reacted to the latest UK retail sales numbers. The stock dropped to a low of 43.21p, which was lower than this week's high of 44.40p.

Lloyds share price outlook as hopes of a 0.50% BoE hike rises

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Citi is still keen on the UK banking sector but prefers the domestically-focused operators against the international groups. Lloyds remains its favourite, though it's a buyer of all of the main players as its sees re-pricing initiatives leading to consensus NII (net interest income) upgrades, while downside risks appear contained based on low unemployment and low debt service ratios vs history.

Lloyds Banking still best for Citi but all UK banks look good, it adds

Lloyds shares have fallen 27% from January, and now trade at 0.7x Tangible Book, 6.6x 2022 guided EPS and a 4.9% Dividend Yield. We believe a mid-teens annualized return is achievable on undemanding assumptions, even if Return on Tangible Equity is at just 8.5%.

Lloyds: 5% Dividend Yield And Less Than 10x P/E On Undemanding Assumptions

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Lloyds Banking Group PLC (LSE:LLOY) shares are tipped to rise more than 65% as analysts at Credit Suisse reckon the upside from higher interest rates is being underappreciated by the market. The British bank's equity offers attractive relative and absolute value, according to Credit Suisse analyst Omar Keenan, who in a note says the market is still ‘looking for comfort' over the 2023/24 outlook.

Lloyds Banking Group upside underappreciated by market as BoE rate hikes loom – Credit Suisse

Lloyds (LYG) witnesses a hammer chart pattern, indicating support found by the stock after losing some value lately. This coupled with an upward trend in earnings estimate revisions could mean a trend reversal for the stock in the near term.

Bears are Losing Control Over Lloyds (LYG), Here's Why It's a 'Buy' Now

U.K. bank Lloyds looks cheap on many valuations. A worsening U.K. economy bodes badly for its biggest mortgage lender.

Lloyds Banking Group: There's A Storm Coming

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Lloyds Banking is the best of the bunch among UK banks if the UK does enter a full-blown recession, says JP Morgan, but risks for the sector are significant. On the plus side, arrears are well below the previous cycle, with the banking sector resilient from a capital perspective and the upside from higher net interest income helping the banks absorb losses from any credit cycle.

LLoyds best of UK banks in event of recession, suggests JP Morgan

Lloyds Banking Group PLC (LSE:LLOY) will give all staff below senior management level a £1,000 summer bonus "designed to help" during with the rampant rise in the cost of living. The FTSE 100-listed lender will make the payment alongside their workers' August pay packets, according to an internal memo leaked to media.

Lloyds Banking to pay £1000 cost of living payment to most staff

Lloyds Banking Group PLC (LSE:LLOY) is 'top pick' for Citigroup as the market returned to a more positive stance on the sector after a hiatus in March and April. Following this lull, the Citi team noted that there had been a return to consensus earnings per share upgrades for banks in May.

Lloyds among chosen few for Citi as banks get over spring hump

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Companies including Lloyds Banking Group, NatWest and Onfido signed up to a digital ID programme aimed at keeping customers' digital identities safe.  The Investing and Savings Alliance's (TISA) digital ID programme for financial services is expected to go live this summer and several of the UK's major investment managers, retail banks, wealth managers, and financial advisers will take part.

Lloyds and Natwest sign up to digital ID scheme

UK banks were hit by a round of share price target reductions by analysts at Deutsche Bank today. Lloyds, Barclays and Virgin Money all got the red pen treatment, though Deutsche Bank still believes the outlook for the sector overall remains favourable.

Lloyds Banking target cut but still favoured by Deutsche Bank

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Lloyds Banking Group PLC (LSE:LLOY) is the best investment among the UK banks, said JPMorgan after the Bank of England warned of double-digit inflation and a growing recession threat.   The Bank's monetary policy committee (MPC) delivered a “mixed message” with its latest quarter-percent rate hike, with inflation now expected to exceed 10% and GDP growth forecasts close to a recession for 2023.

Lloyds Banking Group PLC is preferred UK lender after 'mixed message from BoE', says broker

Normally, higher interest rates would be good for a bank such as Lloyds Banking Group PLC ( LSE:LLOY , Financial) ( LYG , Financial), the U.K.'s largest mortgage lender. The British economy has bounced back from the economic consequences of the pandemic and the Bank of England is clearly hawkish.

UK Value: After Decent 1st Quarter, Lloyds Banking Has a Lot to Offer

Shares in Lloyds Banking Group PLC (LSE:LLOY) failed to really respond to the company's better-than-expected first-quarter results and an upgrade to guidance. At one point they were 2% higher, before subsiding back to 1.3% ahead, which, on the face of it, appeared a little mean-spirited of the market's price setters.

Lloyds Banking Group: This broker repeats 'buy' after better-than-expected update; but shares fail to respond

Lloyds Banking Group PLC (LSE:LLOY) has enhanced its guidance for the year following what it described as a solid first quarter – a period in which underlying profits grew by 26% to £2bn. Going forward, it said it expects its net interest margin to be above 2.7% (up at least 0.1% on the previous forecast), while its return on equity is now set to be greater than 11% (previously targeted to be 10%).

News for Lloyds Banking Group Stock (LYG)