Business Context and Reporting Period
This Form 6-K filing by Lloyds Banking Group Plc is a regulatory announcement dated 13 February 2026. The filing serves to notify the U.S. Securities and Exchange Commission (SEC) that the company has filed its Annual Report on Form 20-F for the fiscal year ended 31 December 2025.
Key Financial Metrics
The filing text does not provide specific financial data. It acts solely as a notice of the availability of the Annual Report. Consequently, values for revenue, profit, cash flow, margins, debt, and liquidity are not present in this document.
Material Changes
No material changes to financial performance or operations are detailed in this filing. The document contains no comparative data against prior periods.
Guidance, Outlook, and Risks
The filing includes a comprehensive Forward-Looking Statements section. It identifies numerous risks and uncertainties that could cause future results to differ from expectations, including:
- General economic conditions in the UK and internationally, including tariffs and global trade policies.
- Geopolitical instability, specifically citing the war between Russia and Ukraine, conflicts in the Middle East, and tensions between China and Taiwan.
- Political instability, including potential impacts of a UK general election.
- Market risks such as fluctuations in interest rates, inflation, exchange rates, and credit market volatility.
- Operational risks, including cyber attacks, third-party supplier failures, and technological changes.
- Regulatory and legal risks, including compliance with anti-money laundering, sanctions, and resolution planning requirements.
- ESG-related risks, particularly regarding climate change and decarbonisation targets.
The company explicitly disclaims any obligation to update these forward-looking statements.
Investor Verification Checklist
- Verify the full audited financial statements by accessing the Form 20-F filed on 13 February 2026 via the SEC website or the company's investor relations portal.
- Confirm the availability of hard copies of the 2025 Annual Report by contacting Investor Relations at investor.relations@finance.lloydsbanking.com.
- Review the detailed risk factors and financial performance metrics in the full Form 20-F, as this 6-K summary contains no numerical data.
- Check the National Storage Mechanism (FCA) for the submitted copy of the Form 20-F.