Lloyds Banking Group PLC (LLOY) — Net Asset Quality Index
Lloyds Banking Group PLC (LLOY) has a Net Asset Quality Index of 4.9% as of September 2025. This metric measures the proportion of total assets financed by shareholders' equity — total assets of GBX937.46 Billion minus total liabilities of GBX891.83 Billion yields net assets of GBX45.63 Billion. A higher index indicates a stronger, lower-leverage balance sheet. Check asset resilience ratio of Lloyds Banking Group PLC to evaluate the company's liquid asset resilience ratio.
Quality Index
Net Assets
Total Assets
Total Liabilities
Lloyds Banking Group PLC Net Asset Quality Index Over Time (1995–2024)
This chart shows how Lloyds Banking Group PLC's Net Asset Quality Index has evolved across 30 annual periods from 1995 to 2024. As of September 2025, the index stands at 4.9%, representing net assets of GBX45.63 Billion against total assets of GBX937.46 Billion GBX. See LLOY working capital ratio to evaluate short-term liquidity relative to the company's equity base.
Annual Net Asset Quality Index for Lloyds Banking Group PLC (1995–2024)
The table below presents the year-by-year Net Asset Quality Index for Lloyds Banking Group PLC from 1995 to 2024, covering 30 annual filings. Each row shows total assets, total liabilities, net assets, the quality index percentage, and the change in percentage points compared to the prior year. For market capitalisation and the full company profile, see market value of Lloyds Banking Group PLC.
| Year | Quality Index | Net Assets (GBX) | Total Assets | Total Liabilities | Change (pp) |
|---|---|---|---|---|---|
| 2024 | 5.1% | GBX45.89 Billion | GBX906.70 Billion | GBX860.81 Billion | ▼ -0.3 pp |
| 2023 | 5.4% | GBX47.37 Billion | GBX881.45 Billion | GBX834.09 Billion | ▲ +0.3 pp |
| 2022 | 5.0% | GBX43.91 Billion | GBX873.39 Billion | GBX829.48 Billion | ▼ -0.8 pp |
| 2021 | 5.8% | GBX51.22 Billion | GBX881.26 Billion | GBX830.04 Billion | ▲ +0.1 pp |
| 2020 | 5.7% | GBX49.41 Billion | GBX871.27 Billion | GBX821.86 Billion | ▼ -80.6 pp |
| 2019 | 86.2% | GBX719.07 Billion | GBX833.89 Billion | GBX114.82 Billion | ▲ +79.9 pp |
| 2018 | 6.3% | GBX50.20 Billion | GBX797.60 Billion | GBX747.40 Billion | ▲ +0.2 pp |
| 2017 | 6.1% | GBX49.14 Billion | GBX812.11 Billion | GBX762.97 Billion | ▲ +0.1 pp |
| 2016 | 6.0% | GBX48.81 Billion | GBX817.79 Billion | GBX768.98 Billion | ▲ +0.1 pp |
| 2015 | 5.8% | GBX46.98 Billion | GBX806.69 Billion | GBX759.71 Billion | ▼ 0.0 pp |
| 2014 | 5.8% | GBX49.90 Billion | GBX854.90 Billion | GBX804.99 Billion | ▲ +1.2 pp |
| 2013 | 4.7% | GBX39.34 Billion | GBX842.38 Billion | GBX803.04 Billion | ▲ +0.1 pp |
| 2012 | 4.6% | GBX42.58 Billion | GBX934.22 Billion | GBX891.64 Billion | ▼ -0.2 pp |
| 2011 | 4.7% | GBX46.18 Billion | GBX980.25 Billion | GBX934.07 Billion | ▲ +0.2 pp |
| 2010 | 4.5% | GBX44.57 Billion | GBX992.44 Billion | GBX947.87 Billion | ▲ +0.2 pp |
| 2009 | 4.3% | GBX44.11 Billion | GBX1.03 Trillion | GBX983.15 Billion | ▲ +2.1 pp |
| 2008 | 2.2% | GBX9.70 Billion | GBX436.03 Billion | GBX426.33 Billion | ▼ -1.3 pp |
| 2007 | 3.5% | GBX12.43 Billion | GBX353.35 Billion | GBX340.92 Billion | ▲ +0.2 pp |
| 2006 | 3.3% | GBX11.51 Billion | GBX343.60 Billion | GBX332.09 Billion | ▼ -0.1 pp |
| 2005 | 3.4% | GBX10.63 Billion | GBX309.75 Billion | GBX299.12 Billion | ▼ -0.7 pp |
| 2004 | 4.1% | GBX11.68 Billion | GBX284.42 Billion | GBX272.74 Billion | ▼ 0.0 pp |
| 2003 | 4.1% | GBX10.35 Billion | GBX252.01 Billion | GBX241.66 Billion | ▲ +0.7 pp |
| 2002 | 3.4% | GBX8.70 Billion | GBX252.76 Billion | GBX244.06 Billion | ▼ -1.3 pp |
| 2001 | 4.8% | GBX11.78 Billion | GBX247.58 Billion | GBX235.79 Billion | ▼ -0.1 pp |
| 2000 | 4.8% | GBX10.58 Billion | GBX219.11 Billion | GBX208.54 Billion | ▲ +1.9 pp |
| 1999 | 2.9% | GBX8.73 Billion | GBX299.10 Billion | GBX290.37 Billion | ▼ -1.6 pp |
| 1998 | 4.5% | GBX7.52 Billion | GBX168.00 Billion | GBX160.48 Billion | ▲ +0.5 pp |
| 1997 | 4.0% | GBX6.29 Billion | GBX158.11 Billion | GBX151.81 Billion | ▲ +0.5 pp |
| 1996 | 3.5% | GBX5.11 Billion | GBX147.37 Billion | GBX142.26 Billion | ▲ +0.2 pp |
| 1995 | 3.3% | GBX4.84 Billion | GBX148.05 Billion | GBX143.20 Billion | — |