This document discusses Lloyds Banking Group and Lloyds Bank PLC. It provides information on key financial ratios from 2015-2017, details on Lloyds Banking Group's operations including number of employees and brands. It also summarizes Lloyds Bank PLC's history, activities, branch network and awards. SWOT analysis identifies strengths like diverse solutions and weaknesses like legacy conduct issues. Country risk and expected bank performance in 2018 are also addressed.

1. Banking Management
Final Exam
Mohamed Mohamed Abdel kader Elzanaty
MBA Group Sharm
RATIO 2015 2016 2017
1- Return On Equity ( ROE ) 2.3% 5.8% 8.1%
2- Return On Equity (ROA) ,12% ,31% ,44%
3- Loans to Deposits ratio 109% 109% 110%
4- General Liquidity ratio 14.9% 14.7% 14.8%
5- NON-Performing loans ( NPL ) 2.1% 1.8% 1.6%
6- Coverage Ratio 46.1% 43.4% 45.6%
7- Capital Adequacy Ratio 5.8% 5.9% 6.1%
Lloyds Banking Group
- Lloyds BankingGroup wasformed onthe19th of January 2009.
- Lloyds BankingGroup hasthe biggestprivate shareholder baseinthe country.
- The Grouphasover 30million customersandisthe UK's leading provider of currentaccounts, savings,
personal loans, credit cardsand mortgages.
- Lloyds BankingGroup has approximately 75,000employees (full-time equivalent)
- Operatinga multi-brand strategy, the Group'smainbrandsinclude; Lloyds Bank, Bank of Scotland, and Halifax.
- Through itsmainbrands, the Group has over 2,000branches throughouttheUK.
- The Grouplendsto 1 in4 FirstTime Buyers who complete inthe UK.
- One-thirdofall lending onUK new-buildpropertiesisfundedby Lloyds Banking Group.
- The Groupnowhas 11million onlinebankingusers; including morethan6.5million activemobile users
2- Historical brief on the bank
1- RATIO

2. Banking Management
Final Exam
Mohamed Mohamed Abdel kader Elzanaty
MBA Group Sharm
LLOYDS BANK PLC is part of the Lloyds Banking Group.
- Lloyds Bank has anetwork of over 1100branches acrossEngland and Wales withover 10millioncustomers .
- In2015Lloyds Bank celebratedits 250yearanniversary.
- Within justtwo years fromlaunch - Lloyds Bankreachedover1 million ClubLloydsaccount customers, with
these customersreceivingover £130million poundsincreditinterest.
- Nearly 6mcustomersactively use Lloyds Bank digitalservices,e.g.onlineormobile banking.
- Lloyds Bankreceives over 2.5mlog ons per daywith 75% from a mobile ortablet.
Themain activities
Current account Credit card Loans
Savings Individual saving account Insurance
Car finance Sharedealing Mortgages
Investments Internet banking Mobile banking
branches network and customer number
LloydsBankhas a networkof over 1100 branches across EnglandandWales with over 10 million
customers.
 Bank Ranking (25) on the world
During the year, theBankwon the following awards:
1- BestBank inWestern Europe .
2- World’s Best BankforDiversityand Inclusion ( Forthefifth yearrunning ) .
3- BestBank inthe UK .
4- GreenwichQuality Leader inEuropean LargeCorporateTradeFinanceinthe UK .
5- BankingPartner of the Year2017(for the secondyearrunning ).
6- TheFDs' ExcellenceAwards2017( Forthe 13th consecutiveyear ).
4- Banks rating and ranking
3- Bank's main activities, branches network

3. Banking Management
Final Exam
Mohamed Mohamed Abdel kader Elzanaty
MBA Group Sharm
 Bank Credit Rating .
LLOYDS BANK PLC
Agency Long term Short term
Moody's Aa3 P-1
Fitch A+ F1
Standard& poor's A A-1
DBRS A(high) R-1(middle)
Strengths Weaknesses
1- Diverse Banking solutions
2- Strong presence in retail banking in the UK with the largest
branch network. Largest digital bank with over 12 million active
online users.
3- Has over 45,000 employees In addition to Low risk business
model
4- The bank has over 16 million customers and small business
accounts and Largest digital bank with over 12 million active
online users.
5- Lloyds’ continued profitability is protecting shareholders from
future losses and increasing the chance that it may soon begin
paying dividends again.
1- Lloyds Banking Group is underperforming in the SME
lending market.
2- Material legacy conduct issues such as the £400million
Lloyds/HBOS Shareholder Action Group lawsuit regarding
the ill-fated buyout of HBOS in the run-up to the 2008
financial crisis.
3- Dropping credit ratingsin recenttimes .
Opportunities Threats
1- The strategic acquisition of MBNA’s prime UK credit card
business in December 2016 represents a future avenue for
growth.
2- Growth in new mortgage lending market share as currently,
demand for housing in many parts of the UK outstripssupply
3- Small enterprise banking and Microfinance and increased service
.
1- Stringent economic policies world over and Highly
competitive environment .
2- Gov. regulations and fluctuating market conditions and The
decision of UK government to leave the EU in has led to
uncertainty which is bad business. .
3- government regulatory pressure including new capital
requirement.
5- SWOT Analysis

4. Banking Management
Final Exam
Mohamed Mohamed Abdel kader Elzanaty
MBA Group Sharm
 The political side
The United Kingdom (Great Britain) has a great political stability for the following reasons :
1- An independent sovereign State ,
2- The absence of conflicts, disputes or internal or external revolutions .
3- It has a parliamentary government based on a unified system .
 The Economic side
According to economic indicators and reports you will find the following :
1- UK economy remains resilient; GDP growth of 1.8% in 2017 and expected to be similar in 2018 .
2- Employment at record high, supporting consumption .
3- Inflation impacting consumers’ real wages .
4- Low interest rate environment; rates expected to rise slowly .
5- Export growth consistently ahead of imports for first time in 6 years with higher earnings from UK
foreign assets .
6- The world's sixth-largest economy by GDP and Europe's third largest economy .
In the light of the performance of the bank during the past years and the disclosure of
financial indicators and with good environment
for the following reasons :
1- Preparation of a strategic plan for the Bank for the period 2018-2020 .
2- Achieving good results and indicators over the past three years such as :
 The decline of Non-performing loan during the last year from previous years and With
increased provisions
 Achieving a loan to deposit ratio of 110% .
 Net profit reached 3547 M£ during 2017, an increase of 41% over 2016 .
3- An environment that is economically and politically secure .
6- Country Risk
The United Kingdom is a low risk country
7 - Expected performance of the bank in 2018
I expect better performance for the bank this year