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 (LSE:LLOY) shares slipped as analysts warned of gathering clouds ahead for the UK's largest lender after a jump in bad debt provisions. In the six months to June 30, the FTSE 100-listed bank, reported pre-tax profit of £3.87bn, up 23% from £3.15bn a year ago, but slightly below the £4bn average of analyst forecasts compiled by the bank.

Lloyds faces gathering storm clouds as bad debt provisions mount

Lloyds Banking Group PLC (LSE:LLOY) raised its outlook for 2023, and boosted the dividend, after delivering strong growth in first-half profits. In the six months to June 30, the UK's biggest mortgage lender reported pre-tax profit of £3.87bn, up 23% from £3.15bn a year ago, but slightly below the £4bn average of analyst forecasts compiled by the bank.

Lloyds Banking Group raises outlook after first-half profit jumps

Lloyds Banking Group improved its performance outlook for 2023 after reporting a 23% increase in first-half profit, despite pressure on banks to offer greater benefits of rate rises to savers facing a cost-of-living squeeze.

Lloyds upgrades performance outlook, improves interim dividend

Barclays

NatWest Group plc 

Lenders Lloyds Banking Group PLC (LSE:LLOY), Barclays PLC (LSE:BARC) and NatWest Group PLC (LSE:NWG) are facing higher risks from up to 43% rises in monthly payments for mortgage customers as rates rise. But even though the rise in step up in costs is significant, analysts at RBC Capital Markets see it as a “slow burn” and do not think mortgage affordability will be a significant driver of risk costs for UK banks over the next 12 months.

Lloyds and other lenders' mortgage customer pain is a 'slow burn' risk - broker

GlaxoSmithKline

Reckitt Benckiser Group PLC

British American Tobacco

Although Wednesday is Fed day, before that there's going to be a raft of news from big FTSE and Wall Street companies before the US central bank meets late in the day. Lloyds Banking Group PLC (LSE:LLOY) is chief among them, especially as it is among the lenders being tipped to pull in billions from what politicians have described as sharp practice: quickly hiking mortgage rates and slowly nudging up those for savings.

Lloyds, GSK, Reckitt and BAT results lead a busy Wednesday, plus Fed meeting

Britain's 19 largest banks are expected to receive a letter today warning them that the government will “take the action necessary” to protect free speech following the controversial closure of former UKIP leader Nigel Farage's Coutts account. Coutts, the exclusive bank owned by NatWest, has been embroiled in a full-on public relations crisis after Farage's de-banking on grounds that he did not align with the Royal bank's values.

Lloyds, Barclays and NatWest among banks warned over Coutts-Farage controversy

HSBC Holdings

Banking season is nigh and just how much the high street giants have made through their rapid hiking of mortgage rates and less than speedy lifting of savings will be one of the areas of focus. In the City, Lloyds Banking Group PLC (LSE:LLOY), NatWest Group PLC (LSE:NWG) and other UK banks are being tipped to pull in billions from what politicians have described as sharp practice.

Lloyds, HSBC and NatWest tipped for mortgage rate windfall

Lenders, led by Lloyds Banking Group and NatWest Group, saw their shares carried higher on the back of UK inflation data softening, with the wider financial sector also seeing a boost. UK consumer price inflation eased to 7.9% in June from 8.7% the previous month, while core CPI inflation dropped to 6.9% from the 31-year high of 7.1% the previous month.

Lloyds, NatWest and Barclays boosted as inflation reading changes interest rate outlook

Some of Britain's largest banks have defended against accusations that they are profiteering by lifting interest rates on mortgages faster than savings as base rates climb. Lloyds Banking Group PLC (LSE:LLOY), NatWest Group PLC (LSE:NWG), Barclays PLC (LSE:BARC) and HSBC Holdings PLC (LSE:HSBA) all pled innocence after the Treasury select committee quizzed why savings rates were slow to rise.

Lloyds, NatWest, Barclays and HSBC defend slow saving rate rises

Despite economic challenges in the UK, Lloyds' operational diversification strategy, undervaluation, and expansion to mass affluent consumers support long-term growth. LYG's long-term strategy includes scale growth, diversification, and digital access to reach a larger number of consumers. The bank has reported Q1 revenues of $11.31bn, a 105.12% YoY increase, and a net income of $1.83bn, up 13.63% YoY.

Lloyds Banking: Sticky Interest Rates Support Recovery, Though Risks Remain

Lloyds Banking Group PLC (LSE:LLOY) and HSBC Holdings PLC (LSE:HSBA) were both highlighted by analysts at Deutsche Bank as both lenders are expected to hike their full-year guidance at their upcoming half-year results.  Analysts Robert Noble predict Lloyds management will increase guidance for full-year net interest margin (NIM) and return on tangible equity (ROTE) when the FTSE 100-listed bank reports second-quarter results on 26 July.

Lloyds, HSBC both expected to hike guidance, both trading at a discount, says Deutsche analyst

Lloyds Banking Group PLC (LSE:LLOY) and other leading UK banks saw share prices jump after passing the Bank of England's annual stress tests. The UK's top eight banks would be “resilient” in an economic environment much worse than the one they face, and are well positioned to support households and businesses through a period of rising interest rates, the BoE said.

Lloyds and UK banks climb after passing BoE stress test

Is Lloyds Banking Group (LYG) a great pick from the value investor's perspective right now? Read on to know more.

Should Value Investors Consider Lloyds Banking Group (LYG) Stock?

Lloyds Banking Group PLC (LSE:LLOY) was among the few big-name lenders to lift savings rates ahead of scrutiny from the UK's financial watchdog on Thursday. Alongside HSBC, Lloyds announced interest rates on the likes of its variable and fixed savings accounts will be lifted next week as banks prepared for a grilling from the Financial Conduct Authority.

Lloyds hastily lifts savings rates ahead of FCA questioning

UK bank stocks have underperformed the broader market this year. Lloyds (LON: LLOY) share price has dropped by ~4% this year while the FTSE 100 index has retreated by ~0.63%.

Lloyds share price languishes as focus shifts to July 26th

The UK's Big Four banks, namely HSBC plc, Barclays PLC (LSE:BARC), Lloyds Banking Group PLC (LSE:LLOY) and Natwest Group plc, are failing in their “social duty” to provide adequate saving rates to their customers, the cross-bench Treasury Select Committee has warned. Offering “measly” savings rates despite soaring interest rates netting record profits in the banking sector in 2022 is tantamount to “blatant profiteering”, the committee stated.

Barclay, HSBC and Lloyds blatantly profiteering off struggling savers, MP warn

A top-down argument that banks are facing headwinds given a sharp slowdown in global growth and indicators and rates and credit quality near their best for the cycle is hard to ignore. However, the fundamental analysis around resilience in income and credit quality suggests an oversold asset class which offers very significant total returns according to UBS.

Lloyds the standout in oversold UK banks sector, reckons UBS

Barratt Developments PLC

Barratt Developments has agreed to build and sell 604 homes to Citra Living, a subsidiary of Lloyds Banking, for £168.4mln cash or £278,00 each on average. The housebuilder will recognise revenue and profit on the legal completion of each home under this future sale agreement, though over 500 are expected to be transferred to Citra's ownership over the 12 months to 30 June 2024 and the rest in the following year Barratt added the current gross asset value of the 604 homes is £72.4mln, comprised of the current balance sheet aggregate value of the land and work in progress.

Lloyds and Barratt Developments in new rental property deal

Sumitomo Mitsui Financial Group

Investors looking for stocks in the Banks - Foreign sector might want to consider either Lloyds (LYG) or Sumitomo Mitsui (SMFG). But which of these two stocks presents investors with the better value opportunity right now?

LYG or SMFG: Which Is the Better Value Stock Right Now?

Banks like Lloyds Banking Group PLC (LSE:LLOY), NatWest Group PLC (LSE:NWG) and HSBC Holdings PLC (LSE:HSBA) are more ready and able to pass on higher interest rates to customers after dragging their heels over the past year, according to analysts at Shore Capital.  Chancellor Jeremy Hunt has stressed in recent days that the UK's high street lenders need to pass higher interest rates on to customers.

Lloyds and other UK banks 'ready to hike' savings rates as profit margins peak

Lloyds Banking Group PLC (LSE:LLOY) and NatWest have joined HSBC in offering some of the UK's top interest rates on savings accounts, a move analysts tipped as a win all round. Lloyds and NatWest Group PLC (LSE:NWG) have begun offering 6.25% and 6.17% interest respectively on regular savings accounts, after HSBC Holdings PLC (LSE:HSBA)'s online arm First Direct launched a 7% deal early this week.

Lloyds, NatWest join HSBC in hiking savings rates, better deals win all round say analysts

UK banks have enjoyed the spoils of the inflation war as the Bank of England's rate hiking cycle kicked interest margins into overdrive. But analysts at JPMorgan Chase & Co (NYSE:JPM) have delivered a warning that Lloyds Banking Group plc, Barclays PLC (LSE:BARC) and NatWest Group PLC (LSE:NWG) are likely to face a profit squeeze in the event hard-landing recession.

Lloyds on the frontline of UK hard landing, warns JPMorgan

Lloyds Banking, Natwest and other UK lending mortgage lenders face being mandated to help mortgage lenders in difficulty with payments under proposals put forward by the Labour Party. Shadow chancellor Rachel Reeves suggested the move in an interview with the BBC today, with Labour to get UK finance regulator the FCA to intervene if elected.

Lloyds, Natwest already doing what Labour wants on mortgages, suggests broker

UK bank stocks continued their sell-off after the Bank of England (BoE) delivered a bigger rate hike than expected. The bank hiked by 50 basis points and pushed the official lending rate to 5%, the highest level in more than a decade.

Sea of red as Lloyds, Barclays, HSBC, share prices dip after BoE

Lloyds Banking has been told to arrange a quick sale of the Telegraph group by a group of Tory MPs. The bank took control of the newspaper group two weeks ago in a dispute with the then owners the Barclay family over a loan repayment.

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