SECURITIES AND EXCHANGE COMMISSION
Washington, D.C.20549
FORM 6-K
Report of Foreign Private Issuer
Pursuant to Rule 13a-16 or 15d-16a
of the Securities Exchange Act of 1934
13
February 2026
LLOYDS BANKING GROUP plc
(Translation
of registrant's name into English)
5th Floor
25 Gresham Street
London
EC2V 7HN
United Kingdom
(Address
of principal executive offices)
Indicate
by check mark whether the registrant files or will file annual
reports
under
cover Form 20-F or Form 40-F.
Form
20-F..X.. Form 40-F
Index
to Exhibits
Item
No.
1 Regulatory News Service Announcement, 13 February
2026
re: 2025
Form 20F Filed
13 February 2026
LLOYDS BANKING GROUP FILES ANNUAL REPORT ON FORM 20-F
Lloyds Banking Group announces that on 13 February 2026 it filed
its Annual Report on Form 20-F for the year ended 31 December 2025
with the Securities and Exchange Commission.
A copy of the Form 20-F is available through the 'Investors'
section of our website at www.lloydsbankinggroup.com and also
online at www.sec.gov.
A copy of Form 20-F has also been submitted to the National Storage
Mechanism and will shortly be available for inspection
at https://data.fca.org.uk/#/nsm/nationalstoragemechanism
Shareholders can receive hard copies of the complete audited
financial statements free of charge upon request. Printed copies of
the 2025 Annual Report on Form 20-F can be requested from Investor
Relations by email to
[email protected]
-END-
For further information:
Investor Relations
Douglas
Radcliffe
+44 (0)20 7356 1571
Group Investor Relations Director
Corporate Affairs
Matt Smith
+44 (0)77 8835 2487
Head of Media Relations
FORWARD-LOOKING STATEMENTS
This document contains certain forward-looking statements within
the meaning of Section 21E of the US Securities Exchange Act of
1934, as amended, and section 27A of the US Securities Act of 1933,
as amended, with respect to the business, strategy, plans and/or
results of Lloyds Banking Group plc together with its subsidiaries
(the Group) and its current goals and expectations. Statements that
are not historical or current facts, including statements about the
Group's or its directors' and/or management's beliefs and
expectations, are forward-looking statements. Words such as,
without limitation, 'believes', 'achieves', 'anticipates',
'estimates', 'expects', 'targets', 'should', 'intends', 'aims',
'projects', 'plans', 'potential', 'will', 'would', 'could',
'considered', 'likely', 'may', 'seek', 'estimate', 'probability',
'goal', 'objective', 'deliver', 'endeavour', 'prospects',
'optimistic' and similar expressions or variations on these
expressions are intended to identify forward-looking statements.
These statements concern or may affect future matters, including
but not limited to: projections or expectations of the Group's
future financial position, including profit attributable to
shareholders, provisions, economic profit, dividends, capital
structure, portfolios, net interest margin, capital ratios,
liquidity, risk-weighted assets (RWAs), expenditures or any other
financial items or ratios; litigation, regulatory and governmental
investigations; the Group's future financial performance; the level
and extent of future impairments and write-downs; the Group's ESG
targets and/or commitments; statements of plans, objectives or
goals of the Group or its management and other statements that are
not historical fact and statements of assumptions underlying such
statements. By their nature, forward-looking statements involve
risk and uncertainty because they relate to events and depend upon
circumstances that will or may occur in the future. Factors that
could cause actual business, strategy, targets, plans and/or
results (including but not limited to the payment of dividends) to
differ materially from forward-looking statements include, but are
not limited to: general economic and business conditions in the UK
and internationally (including in relation to tariffs); imposed and
threatened tariffs and changes to global trade policies; acts of
hostility or terrorism and responses to those acts, or other such
events; geopolitical unpredictability; the war between Russia and
Ukraine; the escalation of conflicts in the Middle East; the
tensions between China and Taiwan; political instability including
as a result of any UK general election; market related risks,
trends and developments; changes in client and consumer behaviour
and demand; exposure to counterparty risk; the ability to access
sufficient sources of capital, liquidity and funding when required;
changes to the Group's credit ratings; fluctuations in interest
rates, inflation, exchange rates, stock markets and currencies;
volatility in credit markets; volatility in the price of the
Group's securities; natural pandemic and other disasters; risks
concerning borrower and counterparty credit quality; risks
affecting insurance business and defined benefit pension schemes;
changes in laws, regulations, practices and accounting standards or
taxation; changes to regulatory capital or liquidity requirements
and similar contingencies; the policies and actions of governmental
or regulatory authorities or courts together with any resulting
impact on the future structure of the Group; risks associated with
the Group's compliance with a wide range of laws and regulations;
assessment related to resolution planning requirements; risks
related to regulatory actions which may be taken in the event of a
bank or Group failure; exposure to legal, regulatory or competition
proceedings, investigations or complaints; failure to comply with
anti-money laundering, counter terrorist financing, anti-bribery
and sanctions regulations; failure to prevent or detect any illegal
or improper activities; operational risks including risks as a
result of the failure of third party suppliers; conduct risk; risks
related to new and emerging technologies, including artificial
intelligence; technological changes and risks to the security of IT
and operational infrastructure, systems, data and information
resulting from increased threat of cyber and other attacks;
technological failure; inadequate or failed internal or external
processes or systems; risks relating to ESG matters, such as
climate change (and achieving climate change ambitions) and
decarbonisation, including the Group's ability along with the
government and other stakeholders to measure, manage and mitigate
the impacts of climate change effectively, and human rights issues;
the impact of competitive conditions; failure to attract, retain
and develop high calibre talent; the ability to achieve strategic
objectives; the ability to derive cost savings and other benefits
including, but without limitation, as a result of any acquisitions,
disposals and other strategic transactions; inability to capture
accurately the expected value from acquisitions; assumptions and
estimates that form the basis of the Group's financial statements;
and potential changes in dividend policy. A number of these
influences and factors are beyond the Group's control. Please refer
to the latest Annual Report on Form 20-F filed by Lloyds Banking
Group plc with the US Securities and Exchange Commission (the SEC),
which is available on the SEC's website at www.sec.gov, for a
discussion of certain factors and risks. Lloyds Banking Group plc
may also make or disclose written and/or oral forward-looking
statements in other written materials and in oral statements made
by the directors, officers or employees of Lloyds Banking Group plc
to third parties, including financial analysts. Except as required
by any applicable law or regulation, the forward-looking statements
contained in this document are made as of today's date, and the
Group expressly disclaims any obligation or undertaking to release
publicly any updates or revisions to any forward-looking statements
contained in this document whether as a result of new information,
future events or otherwise. The information, statements and
opinions contained in this document do not constitute a public
offer under any applicable law or an offer to sell any securities
or financial instruments or any advice or recommendation with
respect to such securities or financial instruments.
Signatures
Pursuant
to the requirements of the Securities Exchange Act of 1934, the
registrant has duly caused this report to be signed on its behalf
by the undersigned, thereunto duly authorized.
LLOYDS
BANKING GROUP plc
(Registrant)
By: Douglas
Radcliffe
Name: Douglas
Radcliffe
Title: Group
Investor Relations Director
Date: 13
February 2026