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 2020
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
2020
re: 2019
Annual Report on Form 20-F
26 February 2020
LLOYDS BANKING GROUP FILES ANNUAL REPORT ON FORM 20-F
Lloyds Banking Group announces that on 25 February 2020 it filed
its Annual Report on Form 20-F for the year ended 31 December 2019
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 2019 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)20 7356 3522
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 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', '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. Examples of such
forward looking statements include, but are 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; 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; 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; political instability including
as a result of any UK general election; 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 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, geopolitical, pandemic or other such
events; risks relating 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 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 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 or Form 20-F
filed by Lloyds Banking Group plc with the US Securities and
Exchange Commission for a discussion of certain factors and risks
together with examples of forward looking statements. 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.
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 2020