lloyds bank plc

5

lloyds bank plc Company Information

Share LLOYDS BANK PLC
Live 
MatureMegaHigh

Company Number

00002065

Registered Address

25 gresham street, london, EC2V 7HN

Industry

Banks

 

Telephone

03453000000

Next Accounts Due

June 2025

Group Structure

View All

Directors

David Manning16 Years

Amanda MacKenzie6 Years

View All

Shareholders

lloyds banking group plc 100%

lloyds bank plc Estimated Valuation

£81.6b

Pomanda estimates the enterprise value of LLOYDS BANK PLC at £81.6b based on a Turnover of £31.1b and 2.63x industry multiple (adjusted for size and gross margin).

lloyds bank plc Estimated Valuation

£65b

Pomanda estimates the enterprise value of LLOYDS BANK PLC at £65b based on an EBITDA of £4.4b and a 14.72x industry multiple (adjusted for size and gross margin).

lloyds bank plc Estimated Valuation

£191.1b

Pomanda estimates the enterprise value of LLOYDS BANK PLC at £191.1b based on Net Assets of £40.4b and 4.73x industry multiple (adjusted for liquidity).

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Lloyds Bank Plc Overview

Lloyds Bank Plc is a live company located in london, EC2V 7HN with a Companies House number of 00002065. It operates in the banks sector, SIC Code 64191. Founded in April 1865, it's largest shareholder is lloyds banking group plc with a 100% stake. Lloyds Bank Plc is a mature, mega sized company, Pomanda has estimated its turnover at £31.1b with high growth in recent years.

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Lloyds Bank Plc Health Check

Pomanda's financial health check has awarded Lloyds Bank Plc a 5 rating. We use a traffic light system to show it exceeds the industry average on 5 measures and has 1 areas for improvement. Company Health Check FAQs

Health Check Image
Health Rating5out of 5
positive_score

5 Strong

positive_score

5 Regular

positive_score

1 Weak

size

Size

annual sales of £31.1b, make it larger than the average company (£88.1m)

£31.1b - Lloyds Bank Plc

£88.1m - Industry AVG

growth

Growth

3 year (CAGR) sales growth of 19%, show it is growing at a similar rate (19.2%)

19% - Lloyds Bank Plc

19.2% - Industry AVG

production

Production

with a gross margin of 70.8%, this company has a comparable cost of product (70.8%)

70.8% - Lloyds Bank Plc

70.8% - Industry AVG

profitability

Profitability

an operating margin of 14.2% make it as profitable than the average company (17%)

14.2% - Lloyds Bank Plc

17% - Industry AVG

employees

Employees

with 65399 employees, this is above the industry average (166)

65399 - Lloyds Bank Plc

166 - Industry AVG

paystructure

Pay Structure

on an average salary of £65.2k, the company has a lower pay structure (£97.6k)

£65.2k - Lloyds Bank Plc

£97.6k - Industry AVG

efficiency

Efficiency

resulting in sales per employee of £475k, this is more efficient (£400.8k)

£475k - Lloyds Bank Plc

£400.8k - Industry AVG

debtordays

Debtor Days

it gets paid by customers after 6115 days, this is near the average (5479 days)

6115 days - Lloyds Bank Plc

5479 days - Industry AVG

creditordays

Creditor Days

its suppliers are paid after 20387 days, this is slower than average (86 days)

20387 days - Lloyds Bank Plc

86 days - Industry AVG

stockdays

Stock Days

There is insufficient data available for this Key Performance Indicator!

- - Lloyds Bank Plc

- - Industry AVG

cashbalance

Cash Balance

has cash to cover current liabilities for 5 weeks, this is less cash available to meet short term requirements (10 weeks)

5 weeks - Lloyds Bank Plc

10 weeks - Industry AVG

debtlevel

Debt Level

it has a ratio of liabilities to total assets of 93.3%, this is a similar level of debt than the average (90.6%)

93.3% - Lloyds Bank Plc

90.6% - Industry AVG

LLOYDS BANK PLC financials

EXPORTms excel logo

Lloyds Bank Plc's latest turnover from December 2023 is £31.1 billion and the company has net assets of £40.4 billion. According to their latest financial statements, Lloyds Bank Plc has 65,399 employees and maintains cash reserves of £57.9 billion as reported in the balance sheet.

Data source: Companies HousePomanda Estimates

Dec 2023Dec 2022Dec 2021Dec 2020Dec 2019Dec 2018Dec 2017Dec 2016Dec 2015Dec 2014Dec 2013Dec 2012Dec 2011Dec 2010Dec 2009
Turnover31,062,000,00021,303,000,00017,499,000,00018,590,000,00021,513,000,00021,664,000,00021,865,000,00020,900,000,00023,848,000,00027,268,000,00034,470,000,00038,397,000,00043,850,000,00063,132,000,00029,145,000,000
Other Income Or Grants000000000000000
Cost Of Sales9,085,995,6924,477,288,1094,296,439,3505,216,504,1428,021,269,5437,378,318,8377,229,165,8499,300,018,46413,418,077,55817,615,009,20717,683,541,20219,095,540,28829,563,002,36226,254,582,6160
Gross Profit21,976,004,30816,825,711,89113,202,560,65013,373,495,85813,491,730,45714,285,681,16314,635,834,15111,599,981,53610,429,922,4429,652,990,79316,786,458,79819,301,459,71214,286,997,63836,877,417,3840
Admin Expenses17,557,147,64112,423,605,07013,202,560,65013,373,495,85813,491,730,4578,748,526,2569,790,890,10810,354,817,7868,834,322,4425,521,866,23615,202,461,29818,534,109,71213,226,572,63835,735,667,3842,367,255,000
Operating Profit4,418,856,6674,402,106,8210005,537,154,9074,844,944,0431,245,163,7501,595,600,0004,131,124,5571,583,997,500767,350,0001,060,425,0001,141,750,000-2,367,255,000
Interest Payable744,040,000724,422,500559,375,000665,754,000424,777,5000001,039,122,5002,128,977,5002,311,530,0002,434,900,0002,175,517,5001,482,260,000519,967,500
Interest Receivable3,247,850,0002,209,970,000130,208,75044,384,000296,598,750370,252,500264,932,500132,336,250272,272,500251,017,500325,532,500352,550,000247,092,500185,510,00090,222,500
Pre-Tax Profit7,056,000,0006,094,000,0005,785,000,0001,329,000,0003,474,000,0004,929,000,0005,035,000,0001,977,000,0001,227,000,0002,289,000,000894,000,000-510,000,000-1,531,000,000725,000,000-4,378,000,000
Tax-1,849,000,000-1,300,000,000-583,000,000137,000,000-1,241,000,000-1,423,000,000-1,602,000,000-947,000,000-694,000,000-422,000,000-1,260,000,000-721,000,000736,000,000-818,000,0001,605,000,000
Profit After Tax5,207,000,0004,794,000,0005,202,000,0001,466,000,0002,233,000,0003,506,000,0003,433,000,0001,030,000,000533,000,0001,867,000,000-366,000,000-1,231,000,000-795,000,000-93,000,000-2,773,000,000
Dividends Paid00004,100,000,00011,022,000,0002,650,000,0003,040,000,0001,080,000,000025,000,00056,000,00050,000,00000
Retained Profit5,192,000,0004,769,000,0005,170,000,0001,440,000,000-1,907,000,000-6,237,000,0001,489,000,000-1,938,000,000-417,000,0001,780,000,000-427,000,000-1,371,000,000-918,000,000-155,000,000-2,797,000,000
Employee Costs4,262,000,0003,853,000,0003,692,000,0003,615,000,0003,985,000,0004,573,000,0004,418,000,0004,628,000,0004,474,000,0004,745,000,0005,841,000,0005,491,000,0006,166,000,0005,622,000,0003,708,000,000
Number Of Employees65,39962,54964,16167,63070,08371,78673,43877,72683,02893,74897,869113,617120,449122,97966,015
EBITDA*4,418,856,6674,402,106,8211,823,000,0002,017,000,0002,040,000,0005,537,154,9074,844,944,0431,245,163,7501,595,600,0004,131,124,5571,583,997,500767,350,0001,060,425,0001,141,750,000-2,367,255,000

* Earnings Before Interest, Tax, Depreciation and Amortisation

Dec 2023Dec 2022Dec 2021Dec 2020Dec 2019Dec 2018Dec 2017Dec 2016Dec 2015Dec 2014Dec 2013Dec 2012Dec 2011Dec 2010Dec 2009
Tangible Assets5,662,000,0006,384,000,00096,631,000,00012,322,000,00012,837,000,00011,732,000,00053,899,000,00069,449,000,00069,881,000,00089,730,000,00082,499,000,00049,801,000,00065,172,000,00070,230,000,00035,133,000,000
Intangible Assets5,837,000,0005,124,000,0004,614,000,0004,582,000,0004,255,000,0003,796,000,0003,140,000,0001,700,000,0003,854,000,0004,086,000,0004,295,000,0004,808,000,0005,212,000,0005,512,000,0002,221,000,000
Investments & Other000000000000000
Debtors (Due After 1 year)000000000000000
Total Fixed Assets11,499,000,00011,508,000,000101,245,000,00016,904,000,00017,092,000,00015,528,000,00057,039,000,00071,149,000,00073,735,000,00093,816,000,00086,794,000,00054,609,000,00070,384,000,00075,742,000,00037,354,000,000
Stock & work in progress000000000000000
Trade Debtors520,435,000,000519,470,000,000447,325,000,000474,356,000,000520,334,000,000508,025,000,000543,981,000,000546,025,000,000655,251,000,000699,248,000,000693,478,000,000772,621,000,000834,806,000,000874,340,000,000492,152,000,000
Group Debtors000000000000000
Misc Debtors000000000000000
Cash57,909,000,00072,005,000,00054,279,000,00049,888,000,00038,880,000,00040,213,000,00058,521,000,00047,452,000,00058,417,000,00050,492,000,00049,915,000,00080,298,000,00060,722,000,00038,115,000,00036,089,000,000
misc current assets000000000000000
total current assets593,906,000,000605,420,000,000501,604,000,000583,035,000,000564,276,000,000577,958,000,000765,991,000,000759,778,000,000744,754,000,000772,632,000,000770,560,000,000897,854,000,000917,982,000,000932,990,000,000535,626,000,000
total assets605,405,000,000616,928,000,000602,849,000,000599,939,000,000581,368,000,000593,486,000,000823,030,000,000830,927,000,000818,489,000,000866,448,000,000857,354,000,000952,463,000,000988,366,000,0001,008,732,000,000572,980,000,000
Bank overdraft000000000000000
Bank loan000000000000000
Trade Creditors 507,521,000,000510,936,000,000512,948,000,000534,220,000,000514,750,000,000511,303,000,000585,029,000,000594,831,000,000596,234,000,000750,606,000,000622,285,000,000665,354,000,000733,191,000,000765,165,000,000476,958,000,000
Group/Directors Accounts000000000000000
other short term finances6,935,000,0006,593,000,0008,658,000,0009,242,000,00012,586,000,000000031,973,000,00033,534,000,00037,590,000,00037,330,000,00029,609,000,00015,999,000,000
hp & lease commitments000000000000000
other current liabilities000000000000000
total current liabilities562,901,000,000576,070,000,000560,144,000,000557,099,000,000539,331,000,000549,789,000,000766,246,000,000775,051,000,000765,051,000,000812,204,000,000808,777,000,000901,192,000,000933,613,000,000959,221,000,000558,720,000,000
loans000000000000000
hp & lease commitments000000000000000
Accruals and Deferred Income000000000000000
other liabilities000000000000000
provisions000000000000000
total long term liabilities2,131,000,0001,881,000,0002,027,000,0001,800,000,0003,199,000,0003,417,000,0005,969,000,0006,370,000,0006,476,000,0005,467,000,0004,838,000,0004,973,000,0004,154,000,0001,779,000,000840,000,000
total liabilities565,032,000,000577,951,000,000562,171,000,000558,899,000,000542,530,000,000553,206,000,000772,215,000,000781,421,000,000771,527,000,000817,671,000,000813,615,000,000906,165,000,000937,767,000,000961,000,000,000559,560,000,000
net assets40,373,000,00038,977,000,00040,678,000,00041,040,000,00038,838,000,00040,280,000,00050,815,000,00049,506,000,00046,962,000,00048,777,000,00043,739,000,00046,298,000,00050,599,000,00047,732,000,00013,420,000,000
total shareholders funds40,373,000,00038,977,000,00040,678,000,00041,040,000,00038,838,000,00040,280,000,00050,815,000,00049,506,000,00046,962,000,00048,777,000,00043,739,000,00046,298,000,00050,599,000,00047,732,000,00013,420,000,000
Dec 2023Dec 2022Dec 2021Dec 2020Dec 2019Dec 2018Dec 2017Dec 2016Dec 2015Dec 2014Dec 2013Dec 2012Dec 2011Dec 2010Dec 2009
Operating Activities
Operating Profit4,418,856,6674,402,106,8210005,537,154,9074,844,944,0431,245,163,7501,595,600,0004,131,124,5571,583,997,500767,350,0001,060,425,0001,141,750,000-2,367,255,000
Depreciation001,823,000,0002,017,000,0002,040,000,0000000000000
Amortisation000000000000000
Tax-1,849,000,000-1,300,000,000-583,000,000137,000,000-1,241,000,000-1,423,000,000-1,602,000,000-947,000,000-694,000,000-422,000,000-1,260,000,000-721,000,000736,000,000-818,000,0001,605,000,000
Stock000000000000000
Debtors965,000,00072,145,000,000-27,031,000,000-45,978,000,00012,309,000,000-35,956,000,000-2,044,000,000-109,226,000,000-43,997,000,0005,770,000,000-79,143,000,000-62,185,000,000-39,534,000,000382,188,000,000492,152,000,000
Creditors-3,415,000,000-2,012,000,000-21,272,000,00019,470,000,0003,447,000,000-73,726,000,000-9,802,000,000-1,403,000,000-154,372,000,000128,321,000,000-43,069,000,000-67,837,000,000-31,974,000,000288,207,000,000476,958,000,000
Accruals and Deferred Income000000000000000
Deferred Taxes & Provisions000000000000000
Cash flow from operations-1,810,143,333-71,054,893,1796,999,000,00067,602,000,000-8,063,000,000-33,655,845,093-4,515,055,957108,121,163,750-109,473,400,000126,260,124,55736,397,997,500-5,605,650,0009,356,425,000-93,657,250,000-15,956,255,000
Investing Activities
capital expenditure9,000,00089,737,000,000-86,164,000,000-1,829,000,000-3,604,000,00041,511,000,00014,110,000,0002,586,000,00020,081,000,000-7,022,000,000-32,185,000,00015,775,000,0005,358,000,000-38,388,000,000-37,354,000,000
Change in Investments000000000000000
cash flow from investments9,000,00089,737,000,000-86,164,000,000-1,829,000,000-3,604,000,00041,511,000,00014,110,000,0002,586,000,00020,081,000,000-7,022,000,000-32,185,000,00015,775,000,0005,358,000,000-38,388,000,000-37,354,000,000
Financing Activities
Bank loans000000000000000
Group/Directors Accounts000000000000000
Other Short Term Loans 342,000,000-2,065,000,000-584,000,000-3,344,000,00012,586,000,000000-31,973,000,000-1,561,000,000-4,056,000,000260,000,0007,721,000,00013,610,000,00015,999,000,000
Long term loans000000000000000
Hire Purchase and Lease Commitments000000000000000
other long term liabilities000000000000000
share issue-3,796,000,000-6,470,000,000-5,532,000,000762,000,000465,000,000-4,298,000,000-180,000,0004,482,000,000-1,398,000,0003,258,000,000-2,132,000,000-2,930,000,0003,785,000,00034,467,000,00016,217,000,000
interest2,503,810,0001,485,547,500-429,166,250-621,370,000-128,178,750370,252,500264,932,500132,336,250-766,850,000-1,877,960,000-1,985,997,500-2,082,350,000-1,928,425,000-1,296,750,000-429,745,000
cash flow from financing-950,190,000-7,049,452,500-6,545,166,250-3,203,370,00012,922,821,250-3,927,747,50084,932,5004,614,336,250-34,137,850,000-180,960,000-8,173,997,500-4,752,350,0009,577,575,00046,780,250,00031,786,255,000
cash and cash equivalents
cash-14,096,000,00017,726,000,0004,391,000,00011,008,000,000-1,333,000,000-18,308,000,00011,069,000,000-10,965,000,0007,925,000,000577,000,000-30,383,000,00019,576,000,00022,607,000,0002,026,000,00036,089,000,000
overdraft000000000000000
change in cash-14,096,000,00017,726,000,0004,391,000,00011,008,000,000-1,333,000,000-18,308,000,00011,069,000,000-10,965,000,0007,925,000,000577,000,000-30,383,000,00019,576,000,00022,607,000,0002,026,000,00036,089,000,000

lloyds bank plc Credit Report and Business Information

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Low Risk50 - 70
Moderate Risk30 - 50
High Risk20 - 30
Very High Risk0 - 20
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Lloyds Bank Plc Competitor Analysis

competitor_analysis_table_img

Perform a competitor analysis for lloyds bank plc by selecting its closest rivals, whether from the FINANCIAL AND INSURANCE ACTIVITIES sector, other mega companies, companies in EC2V area or any other competitors across 12 key performance metrics.

lloyds bank plc Ownership

LLOYDS BANK PLC group structure

Lloyds Bank Plc has 67 subsidiary companies.

Ultimate parent company

1 parent

LLOYDS BANK PLC

00002065

67 subsidiaries

LLOYDS BANK PLC Shareholders

lloyds banking group plc 100%

lloyds bank plc directors

Lloyds Bank Plc currently has 15 directors. The longest serving directors include Sir David Manning (May 2008) and Mrs Amanda MacKenzie (Oct 2018).

officercountryagestartendrole
Sir David ManningEngland74 years May 2008- Director
Mrs Amanda MacKenzieUnited Kingdom60 years Oct 2018- Director
Mrs Sarah BentleyUnited Kingdom53 years Jan 2019- Director
Mr Nigel HinshelwoodFinland58 years Jan 2019- Director
Mr Brendan Gilligan68 years Jan 2019- Director
Mr William ChalmersUnited Kingdom56 years Aug 2019- Director
Ms Sarah LeggUnited Kingdom57 years Dec 2019- Director
Mrs Catherine WoodsUnited Kingdom62 years Mar 2020- Director
Mr Robin BudenbergUnited Kingdom65 years Oct 2020- Director
Mr Robin BudenbergUnited Kingdom65 years Oct 2020- Director

P&L

December 2023

turnover

31.1b

+46%

operating profit

4.4b

0%

gross margin

70.8%

-10.43%

turnover

Turnover, or revenue, is the amount of sales generated by a company within the financial year.

Balance Sheet

December 2023

net assets

40.4b

+0.04%

total assets

605.4b

-0.02%

cash

57.9b

-0.2%

net assets

Total assets minus all liabilities

lloyds bank plc company details

company number

00002065

Type

Public limited with Share Capital

industry

64191 - Banks

incorporation date

April 1865

age

159

incorporated

UK

ultimate parent company

accounts

Group

last accounts submitted

December 2023

previous names

lloyds tsb bank plc (September 2013)

lloyds bank plc (June 1999)

accountant

-

auditor

DELOITTE LLP

address

25 gresham street, london, EC2V 7HN

Bank

-

Legal Advisor

-

lloyds bank plc Charges & Mortgages

A charge, or mortgage, refers to the rights a company gives to a lender in return for a loan, often in the form of security given over business assets.

We found 80 charges/mortgages relating to lloyds bank plc. Currently there are 62 open charges and 18 have been satisfied in the past.

charges

lloyds bank plc Companies House Filings - See Documents

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