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Lloyds Banking Group Publishes UBS European Conference Transcript

By Public Technologies
  • Lloyds Banking Group CFO William Chalmers forecast mid-single-digit 2027 net interest income growth at the November 11, 2026 UBS European Conference.
  • Speaking with UBS moderator Jason Napier, he reiterated 2026 net interest income guidance of modestly above £14.9 billion.
  • Structural hedge income growth should slow to about £1 billion in 2027 from £1.5 billion, with asset and deposit markets remaining competitive.
  • Investment is set to total £13 billion over 2027–2030, with spending rising materially at the start of the strategic cycle.
  • Chalmers reaffirmed targets for a cost-to-income ratio below 45% and return on tangible equity of around 20% by 2030.


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