Lloyds Banking Group plc 9.25% NON-CUM IRR PRF SHS GBP0.25

LLOBF

Lloyds is a retail and commercial bank headquartered in the United Kingdom. The bank operates via three business segments: retail, commercial banking, and insurance and wealth. In retail, Lloyds offers primarily mortgages (66% of loan portfolio), credit cards, and current accounts to its customers. Its commercial banking operation provides lending, transaction banking, working capital management, and debt capital market services to large corporates and financial institutions in the U.K. Insurance and wealth rounds out the product lineup with life and property insurance as well as pension solutions and high-net-worth asset-management services.

利润瀑布图分析

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盈利能力指标 Profitability Margins

营业利润率 Operating Income Margini

38.36%

营业利润 Operating Income = $1.98B

营业收入 Revenue = $5.17B

税前利润率 Pre-tax Profit Margini

38.36%

税前利润 Income Before Tax = $1.98B

营业收入 Revenue = $5.17B

净利润率 Net Profit Margini

27.12%

净利润 Net Income = $1.40B

营业收入 Revenue = $5.17B

税务指标 Tax Metrics

应计税率 Effective Tax Ratei

27.63%

所得税费用 Income Tax Expense = $0.55B

税前利润 Income Before Tax = $1.98B

现金税率 TTM Cash Tax Rate (TTM)i

0.00%

实际缴纳所得税 Income Taxes Paid (TTM) = $0.00B

税前利润 Income Before Tax (TTM) = $3.16B

银行核心盈利指标 Financial Sector PPNR Metrics

拨备前净收入（监管口径） PPNRi

$-16.14B

PPNR = Net Interest Income + Non-Interest Income - Non-Interest Expense

net interest income: $20.94B | non interest income: $-15.77B | non interest expense: $21.31B

PPNR利润率 PPNR Margini

-312.29%

拨备前净收入 PPNR = $-16.14B

营业收入 Revenue = $5.17B

PPNR资产回报率 PPNR / Avg Assetsi

-1.71%

PPNR ROA = PPNR / Avg Total Assets

ppnr: $-16.14B | avg total assets: $943.92B

成本效率指标 Cost Efficiency Metrics

效率比率（银行口径） Efficiency Ratioi

412.29%

非利息费用 Non-Interest Expense = $21.31B

营业收入 Revenue = $5.17B

成本收入比（非银） Cost-to-Incomei

412.29%

运营费用 Operating Expenses = $21.31B

营业收入 Revenue = $5.17B

成本资产比（UBPR思想） Cost-to-Assetsi

2.26%

运营费用 Operating Expenses = $21.31B

平均总资产 Avg Total Assets = $943.92B

运营杠杆指标 Operating Leverage Metrics

运营杠杆 (YoY) Operating JAWSi

N/A

收入增长率 Revenue Growth (YoY) = N/A

费用增长率 Expense Growth (YoY) = N/A

营业利润率扩张 (YoY) Operating Margin Expansioni

N/A

当前营业利润率 Current Operating Margin = N/A

去年同期营业利润率 Prior Operating Margin = N/A

盈利质量指标 Earnings Quality Metrics

盈利质量 (OCF/NI) Earnings Qualityi

N/A

经营现金流 Operating Cash Flow = N/A

净利润 Net Income = $1.40B

应计项/平均资产 (Sloan) Accruals / Avg Assetsi

N/A

Accruals / Avg Assets = (Net Income - OCF) / Avg Total Assets

net income: $1.40B | operating cash flow: N/A | avg total assets: $943.92B

波动性指标 Volatility Metrics

PPNR波动率 (8Q) PPNR Volatilityi

N/A

核心收入波动率 (8Q) Core Revenue Volatilityi

N/A

员工生产力指标 Employee Productivity Metrics

人均收入 TTM Revenue per Employeei

N/A

Revenue per Employee = Revenue (TTM) / Employee Count

revenue TTM: $0.84B | employee count: N/A

人均运营费用 TTM OpEx per Employeei

N/A

OpEx per Employee = Operating Expenses (TTM) / Employee Count

operating expenses TTM: $15.81B | employee count: N/A

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资本充足性 Capital Adequacy

有形普通股权 Tangible Common Equity (TCE)i

GBP33.32B

有形资产 Tangible Assets (TA)i

GBP935.33B

TCE/TA比率 TCE / TA Ratioi

3.56%

🔴 风险 Risk

有形普通股权 TCE = GBP33.32B

有形资产 TA = GBP935.33B

杠杆指标 Leverage

股权资产比 Equity / Assets (E/A)i

4.44%

股东权益 Total Equity = GBP41.91B

总资产 Total Assets = GBP943.92B

资产股权倍数 Assets / Equity (A/E)i

22.52x

总资产 Total Assets = GBP943.92B

股东权益 Total Equity = GBP41.91B

资本质量 Capital Quality

AOCI侵蚀度 AOCI / TCEi

0.00%

✅ 健康 Healthy

AOCI = GBP0.00B

有形普通股权 TCE = GBP33.32B

商誉无形占比 (Goodwill + Intangibles) / Equityi

20.50%

✅ 健康 Healthy

商誉+无形资产 GW+Intangibles = GBP8.59B

股东权益 Total Equity = GBP41.91B

流动性 Liquidity

高流动性缓冲 Liquidity Buffer (HQLA proxy)i

6.42%

🔴 风险 Risk

现金+短投 Cash+ST Inv = GBP60.60B

总资产 Total Assets = GBP943.92B

资金结构 Funding Structure

批发资金依赖度 Wholesale Funding Ratio (Core)i

10.62%

✅ 健康 Healthy

短期+长期债务 ST+LT Debt = GBP95.14B

总负债 Total Liabilities = GBP896.21B

证券类资产占比 Securities / Assetsi

55.58%

🔴 风险 Risk

短投+长投 ST+LT Inv = GBP524.66B

总资产 Total Assets = GBP943.92B

风险调整 Risk-Adjusted

风险调整后TCE Risk-Adjusted TCE (ATCE)i

GBP33.32B

ATCE/TA比率 ATCE / TAi

3.56%

风险调整TCE ATCE = GBP33.32B

有形资产 TA = GBP935.33B

ATCE剪刀差 ATCE Scissor Spreadi

0 bps

✅ 健康 Healthy

TCE/TA = 356.00%

ATCE/TA = 356.00%

加载图表中...

盈利能力指标 Profitability Margins

营业利润率 Operating Income Margini

38.36%

营业利润 Operating Income = $1.98B

营业收入 Revenue = $5.17B

税前利润率 Pre-tax Profit Margini

38.36%

税前利润 Income Before Tax = $1.98B

营业收入 Revenue = $5.17B

净利润率 Net Profit Margini

27.12%

净利润 Net Income = $1.40B

营业收入 Revenue = $5.17B

税务指标 Tax Metrics

应计税率 Effective Tax Ratei

27.63%

所得税费用 Income Tax Expense = $0.55B

税前利润 Income Before Tax = $1.98B

现金税率 TTM Cash Tax Rate (TTM)i

0.00%

实际缴纳所得税 Income Taxes Paid (TTM) = $0.00B

税前利润 Income Before Tax (TTM) = $3.16B

银行核心盈利指标 Financial Sector PPNR Metrics

拨备前净收入（监管口径） PPNRi

$-16.14B

PPNR = Net Interest Income + Non-Interest Income - Non-Interest Expense

net interest income: $20.94B | non interest income: $-15.77B | non interest expense: $21.31B

PPNR利润率 PPNR Margini

-312.29%

拨备前净收入 PPNR = $-16.14B

营业收入 Revenue = $5.17B

PPNR资产回报率 PPNR / Avg Assetsi

-1.71%

PPNR ROA = PPNR / Avg Total Assets

ppnr: $-16.14B | avg total assets: $943.92B

成本效率指标 Cost Efficiency Metrics

效率比率（银行口径） Efficiency Ratioi

412.29%

非利息费用 Non-Interest Expense = $21.31B

营业收入 Revenue = $5.17B

成本收入比（非银） Cost-to-Incomei

412.29%

运营费用 Operating Expenses = $21.31B

营业收入 Revenue = $5.17B

成本资产比（UBPR思想） Cost-to-Assetsi

2.26%

运营费用 Operating Expenses = $21.31B

平均总资产 Avg Total Assets = $943.92B

运营杠杆指标 Operating Leverage Metrics

运营杠杆 (YoY) Operating JAWSi

N/A

收入增长率 Revenue Growth (YoY) = N/A

费用增长率 Expense Growth (YoY) = N/A

营业利润率扩张 (YoY) Operating Margin Expansioni

N/A

当前营业利润率 Current Operating Margin = N/A

去年同期营业利润率 Prior Operating Margin = N/A

盈利质量指标 Earnings Quality Metrics

盈利质量 (OCF/NI) Earnings Qualityi

N/A

经营现金流 Operating Cash Flow = N/A

净利润 Net Income = $1.40B

应计项/平均资产 (Sloan) Accruals / Avg Assetsi

N/A

Accruals / Avg Assets = (Net Income - OCF) / Avg Total Assets

net income: $1.40B | operating cash flow: N/A | avg total assets: $943.92B

波动性指标 Volatility Metrics

PPNR波动率 (8Q) PPNR Volatilityi

N/A

核心收入波动率 (8Q) Core Revenue Volatilityi

N/A

员工生产力指标 Employee Productivity Metrics

人均收入 TTM Revenue per Employeei

N/A

Revenue per Employee = Revenue (TTM) / Employee Count

revenue TTM: $0.84B | employee count: N/A

人均运营费用 TTM OpEx per Employeei

N/A

OpEx per Employee = Operating Expenses (TTM) / Employee Count

operating expenses TTM: $15.81B | employee count: N/A

资本充足性 Capital Adequacy

有形普通股权 Tangible Common Equity (TCE)i

GBP33.32B

有形资产 Tangible Assets (TA)i

GBP935.33B

TCE/TA比率 TCE / TA Ratioi

3.56%

🔴 风险 Risk

有形普通股权 TCE = GBP33.32B

有形资产 TA = GBP935.33B

杠杆指标 Leverage

股权资产比 Equity / Assets (E/A)i

4.44%

股东权益 Total Equity = GBP41.91B

总资产 Total Assets = GBP943.92B

资产股权倍数 Assets / Equity (A/E)i

22.52x

总资产 Total Assets = GBP943.92B

股东权益 Total Equity = GBP41.91B

资本质量 Capital Quality

AOCI侵蚀度 AOCI / TCEi

0.00%

✅ 健康 Healthy

AOCI = GBP0.00B

有形普通股权 TCE = GBP33.32B

商誉无形占比 (Goodwill + Intangibles) / Equityi

20.50%

✅ 健康 Healthy

商誉+无形资产 GW+Intangibles = GBP8.59B

股东权益 Total Equity = GBP41.91B

流动性 Liquidity

高流动性缓冲 Liquidity Buffer (HQLA proxy)i

6.42%

🔴 风险 Risk

现金+短投 Cash+ST Inv = GBP60.60B

总资产 Total Assets = GBP943.92B

资金结构 Funding Structure

批发资金依赖度 Wholesale Funding Ratio (Core)i

10.62%

✅ 健康 Healthy

短期+长期债务 ST+LT Debt = GBP95.14B

总负债 Total Liabilities = GBP896.21B

证券类资产占比 Securities / Assetsi

55.58%

🔴 风险 Risk

短投+长投 ST+LT Inv = GBP524.66B

总资产 Total Assets = GBP943.92B

风险调整 Risk-Adjusted

风险调整后TCE Risk-Adjusted TCE (ATCE)i

GBP33.32B

ATCE/TA比率 ATCE / TAi

3.56%

风险调整TCE ATCE = GBP33.32B

有形资产 TA = GBP935.33B

ATCE剪刀差 ATCE Scissor Spreadi

0 bps

✅ 健康 Healthy

TCE/TA = 356.00%

ATCE/TA = 356.00%

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Lloyds Banking Group plc 9.25% NON-CUM IRR PRF SHS GBP0.25

利润表分析

利润瀑布图分析

资产负债表分析