PRESS RELEASE : Lloyds Banking Group PLC: 2020 Annual Report on Form 20-F

DGAP-News: Lloyds Banking Group PLC / Key word(s): Annual Results 
Lloyds Banking Group PLC: 2020 Annual Report on Form 20-F 
2021-02-26 / 17:00 
The issuer is solely responsible for the content of this announcement. 
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26 February 2021 
LLOYDS BANKING GROUP FILES ANNUAL REPORT ON FORM 20-F 
Lloyds Banking Group announces that on 26 February 2021 it filed its Annual Report on Form 20-F for the year ended 31 
December 2020 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 
-END- 
For further information: 
Investor Relations 
Douglas Radcliffe [phone] 
Group Investor Relations Director 
[e-mail] 
Corporate Affairs 
Matt Smith [phone] 
Head of Media Relations 
[e-mail] 
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 relating to its future financial condition and performance. Statements that are not 
historical facts, including statements about the Group's or its directors' and/or management's beliefs and 
expectations, are forward-looking statements. Words such as 'believes', 'achieves', 'anticipates', 'estimates', 
'expects', 'targets', 'should', 'intends', 'aims', 'projects', 'plans', 'potential', 'will', 'would', 'could', 
'considered', 'likely', 'may', 'seek', 'estimate' and variations of these words and similar future or conditional 
expressions are intended to identify forward-looking statements but are not the exclusive means of identifying such 
statements. Examples of such forward-looking statements include, but are not limited to, statements or guidance 
relating 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; statements of plans, objectives or goals of the Group or its management including in 
respect of statements about the future business and economic environments in the UK and elsewhere including, but not 
limited to, future trends in interest rates, foreign exchange rates, credit and equity market levels and demographic 
developments; statements about competition, regulation, disposals and consolidation or technological developments in 
the financial services industry; 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, plans and/or results 
(including but not limited to the payment of dividends) to differ materially from forward-looking statements made by 
the Group or on its behalf include, but are not limited to: general economic and business conditions in the UK and 
internationally; market related trends and developments; fluctuations in interest rates, inflation, exchange rates, 
stock markets and currencies; any impact of the transition from IBORs to alternative reference rates; the ability to 
access sufficient sources of capital, liquidity and funding when required; changes to the Group's credit ratings; the 
ability to derive cost savings and other benefits including, but without limitation as a result of any acquisitions, 
disposals and other strategic transactions; the ability to achieve strategic objectives; the Group's ESG targets and/or 
commitments; changing customer behaviour including consumer spending, saving and borrowing habits; changes to borrower 
or counterparty credit quality impacting the recoverability and value of balance sheet assets; concentration of 
financial exposure; management and monitoring of conduct risk; exposure to counterparty risk (including but not limited 
to third parties conducting illegal activities without the Group's knowledge); instability in the global financial 
markets, including Eurozone instability, instability as a result of uncertainty surrounding the exit by the UK from the 
European Union (EU), the EU-UK Trade and Cooperation Agreement, and as a result of such exit and the potential for 
other countries to exit the EU or the Eurozone and the impact of any sovereign credit rating downgrade or other 
sovereign financial issues; political instability including as a result of any UK general election and any further 
possible referendum on Scottish independence; 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; natural, 
pandemic (including but not limited to the COVID-19 pandemic) and other disasters, adverse weather and similar 
contingencies outside the Group's control; inadequate or failed internal or external processes or systems; acts of war, 
other acts of hostility, terrorist acts and responses to those acts, or other such events; geopolitical 
unpredictability; risks relating to climate change; changes in laws, regulations, practices and accounting standards or 
taxation, including as a result of the UK's exit from the EU; changes to regulatory capital or liquidity requirements 
(including regulatory measures to restrict distributions to address potential capital and liquidity stress) and similar 
contingencies outside the Group's control; the policies, decisions and actions of governmental or regulatory 
authorities or courts in the UK, the EU, the US or elsewhere including the implementation and interpretation of key 
laws, legislation and regulation together with any resulting impact on the future structure of the Group; the ability 
to attract and retain senior management and other employees and meet its diversity objectives; actions or omissions by 
the Group's directors, management or employees including industrial action; changes to the Group's post-retirement 
defined benefit scheme obligations; the extent of any future impairment charges or write-downs caused by, but not 
limited to, depressed asset valuations, market disruptions and illiquid markets; the value and effectiveness of any 
credit protection purchased by the Group; the inability to hedge certain risks economically; the adequacy of loss 
reserves; the actions of competitors, including non-bank financial services, lending companies and digital innovators 
and disruptive technologies; and exposure to regulatory or competition scrutiny, legal, regulatory or competition 
proceedings, investigations or complaints. Please refer to the latest Annual Report on Form 20-F filed by Lloyds 
Banking Group plc with the US Securities and Exchange Commission for a discussion of certain factors and risks. Lloyds 
Banking Group may also make or disclose written and/or oral forward-looking statements in reports filed with or 
furnished to the US Securities and Exchange Commission, Lloyds Banking Group annual reviews, half-year announcements, 
proxy statements, offering circulars, prospectuses, press releases and other written materials and in oral statements 
made by the directors, officers or employees of Lloyds Banking Group 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 to reflect any change in the Group's 
expectations with regard thereto or any change in events, conditions or circumstances on which any such statement is 
based. 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. 
This information is provided by RNS, the news service of the London Stock Exchange. RNS is approved by the Financial 
Conduct Authority to act as a Primary Information Provider in the United Kingdom. Terms and conditions relating to the 
use and distribution of this information may apply. For further information, please contact [e-mail] or visit 
www.rns.com. 
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2021-02-26 Dissemination of a Corporate News, transmitted by DGAP - a service of EQS Group AG. 
The issuer is solely responsible for the content of this announcement. 
The DGAP Distribution Services include Regulatory Announcements, Financial/Corporate News and Press Releases. 
Archive at www.dgap.de 
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Language:     English 
Company:      Lloyds Banking Group PLC 
              Gresham Street 
              EC2V 7HN London 
              United Kingdom 
Phone:        [phone] 
Internet:     www.lloydsbankinggroup.com 
ISIN:         GB0008706128 
WKN:          871784 

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