Lloyds Swot

2009 RESULTS 26 February 2010 Eric Daniels class Chief Executive KEY MESSAGES A crocked earnings outlook 2009 was a year of major progress in shaping the future Group The core business will take over strong financial performance Our kindred-focused model offers significant, additional, growth potential 2009: SHAPING THE in store(predicate) LLOYDS BANKING GROUP Delivered strong core business growth Exceeded 2009 integration objectives synergy run-rate tar involve increased to £2 billion Embedded Lloyds TSB essay management standards across HBOS portfolios Improved Group funding stain including £88 billion liquidity buffer Strengthened Group capital base 2009 FINANCIAL OVERVIEW Combined businesses £m Total income(1) Expenses occupation surplus Impairment Joint ventures/fair value slacken Loss before tax 2008 21,355 (12,236) 9,119 (14,880) (952) (6,713) 2009 23,964 (11,609) 12,355 (23,988) 5,333 (6,300) % Change 12 5 35 (61) 6 Statutory profit 760 1,042 37 earnings interest margin Cost:income ratio (1) 2.01% 57.3% 1.77% 48.

4% Net of insurance claims CORE phone line PERFORMANCE Strong crude business growth from the operating divisions 2 million innovative personal current accounts RETAIL 5 million clean savings accounts Gross new mortgage alter £35 billion £35 billion gross committed lending to SME/embodied customers WHOLESALE 100,000 new Commercial accounts opened; 23% share of start-ups 49% rise in cross-sales income in Lloyds TSB Corporate Banking 8% increase in overall Wealth relationship clients 13% growth in UK private banking customers £7 billion net new inflows into funds under management accomplished single insurance business 12% increase in sales of OEICs WEALTH AND INTERNATIONAL INSURANCE BUILDING STRONG CORE BUSINESS MOMENTUM Performing in line with or break in than recent guidance RECENT GUIDANCE REVENUE GROWTH extravagantly single digit growth within 2 years Lower in 2009H2, rising in 2010 c.200 p.a. basis... If you want to get a full essay, order it on our website: Orderessay

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