SI
Bank Universe

Data source: 2026-Q1 figures ingested from the bank’s SEC Form 6-K filing. European figures update as filings are published — semi-annually for EBA, per-results for 6-K — not via a real-time API like US banks (FDIC).

Lloyds Banking Group

LLOY
United Kingdom · EuropeRegulated by PRALatest: 2026-Q1
81HIGH

CET1 Ratio

13.60%

Common Equity Tier 1 / RWA

Risk-Weighted Assets

$198.4B

+2.10% QoQ growth

Total Loan Book

—

+5.3% YoY growth

Leverage Ratio

—

Tier 1 / Average assets

CET1 Ratio Trend

8 quarters · regulatory minimum 8% · scoring threshold 12%

RWA Growth

Bars = total ($B) · Line = QoQ growth %

Loan Book Composition

Latest quarter · 2026-Q1

Concentration data unavailable

Leveraged loans not reported in FDIC call reports

Metric History

1 quarters · SEC Form 6-K

QuarterCET1 %Leverage %RWALoan BookLoans YoYRWA QoQCRE %Consumer %SME %SRT Score
2026-Q1latest13.60%—$198.4B—+5.3%+2.10%———81

AI Investment Memo

Llama will analyze Lloyds Banking Group across 4 data dimensions and write a structured memo

Score: 81/100·Model: gpt-oss-120b·Tools: get_bank_metrics · get_historical_deals · get_regulatory_context · calculate_candidate_score

Click Generate Analysis to create an investment memo

Llama will call 4 tools then write a structured memo covering thesis, deal sizing, timing, and risks

Score Breakdown

81/100 —HIGH

Repeat issuer · scored on re-issuance timing

Re-issuance timing81
Last deal
6 mo ago
Typical cadence
8 mo
Through its re-issue cycle72%

Active SRT programme → scored on how overdue it is vs its own cadence. Validated to predict re-issuance better than fundamentals, which are shown below for context only.

Fundamentals — context only

Capital Pressure1/40
CET1 13.60% — large-bank proactive optimisation
+1
-1.60pp headroom above 8% regulatory floor
+0
Loan Book Growth7/30
Loan book grew 5.3% YoY
+3
RWA grew 2.1% QoQ
+4
Concentration data unavailable
+0
Historical SRT15/25
Bank has previously issued SRT transactions
+15
6 months since last deal — recently completed
+0
Macro Context7/10
Live macro signal: FAVORABLE (sentiment +6/20) — 7/10 pts
+7
Mid-Size Bank

$50B–$500B total assets — sweet spot: capital pressure + sourcing alpha

+10
Europe regional bonus+8
Macro environment · FAVORABLE+2

Sentiment +6/20 · global +2 pts

Overall SRT likelihood81/100