Blueprint
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C.20549
FORM 6-K
Report of Foreign Private Issuer
Pursuant to Rule 13a-16 or 15d-16
of the Securities Exchange Act of 1934
26
February 2019
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
Indicate
by check mark whether the registrant by furnishing the
information
contained
in this Form is also thereby furnishing the information to
the
Commission
pursuant to Rule 12g3-2(b) under the Securities Exchange Act of
1934.
Yes
No ..X..
If
"Yes" is marked, indicate below the file number assigned to the
registrant in connection with Rule
12g3-2(b):
82- ________
Index
to Exhibits
Item
No.
1 Regulatory News Service Announcement, dated 26 February
2019
re: 2018
Annual Report on Form 20-F
26 February 2019
LLOYDS BANKING GROUP FILES ANNUAL REPORT ON FORM 20-F
Lloyds Banking Group announces that on 25 February 2019 it filed
its Annual Report on Form 20-F for the year ended 31 December 2018
with the Securities and Exchange Commission.
A copy of the Form 20-F is available through the 'Investors &
Performance' section of our website at www.lloydsbankinggroup.com
and also online at www.sec.gov
Shareholders can receive hard copies of the complete audited
financial statements free of charge upon request. Printed copies of
the 2018 Annual Report on Form 20-F can be requested from Investor
Relations by email to
investor.relations@finance.lloydsbanking.com
-END-
For further information:
Investor Relations
Douglas Radcliffe
+44 (0)20 7356 1571
Group Investor Relations Director
douglas.radcliffe@lloydsbanking.com
Corporate Affairs
Matt Smith
+44
(0)20 7356 3522
Head of Corporate Media
matt.smith@lloydsbanking.com
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 and its current goals and
expectations relating to its future financial condition and
performance. Statements that are not historical facts, including
statements about Lloyds Banking Group's or its directors' and/or
management's beliefs and expectations, are forward looking
statements. Words such as 'believes', 'anticipates', 'estimates',
'expects', 'intends', 'aims', 'potential', 'will', 'would',
'could', 'considered', 'likely', '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. 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.
Examples of such forward looking statements include, but are not
limited to: projections or expectations of Lloyds Banking 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; Lloyds Banking Group's future financial
performance; the level and extent of future impairments and
write-downs; statements of plans, objectives or goals of Lloyds
Banking 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.
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 Lloyds
Banking 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; the ability to access sufficient sources of
capital, liquidity and funding when required; changes to Lloyds
Banking 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; changing customer
behaviour including consumer spending, saving and borrowing habits;
changes to borrower or counterparty credit quality; concentration
of financial exposure; management and monitoring of conduct risk;
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) 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; 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 and other disasters, adverse weather and
similar contingencies outside Lloyds Banking 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, geopolitical, pandemic or other such events; risks
related to climate change; changes in laws, regulations, practices
and accounting standards or taxation, including as a result of the
exit by the UK from the EU, or a further possible referendum on
Scottish independence; changes to regulatory capital or liquidity
requirements and similar contingencies outside Lloyds Banking
Group's control; the policies, decisions and actions of
governmental or regulatory authorities or courts in the UK, the EU,
the United States or elsewhere including the implementation and
interpretation of key legislation and regulation together with any
resulting impact on the future structure of Lloyds Banking Group;
the transition from IBORs to alternative reference rates; the
ability to attract and retain senior management and other employees
and meet its diversity objectives; actions or omissions by Lloyds
Banking Group's directors, management or employees including
industrial action; changes to Lloyds Banking 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 Lloyds Banking 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.
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 the date hereof, and Lloyds Banking 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 Lloyds Banking 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.
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: 26
February 2019