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. See how many days can Lloyds Banking Group PLC fund operations to measure how many days the company can operate on defensive assets alone.
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. Explore LLOY cash flow metrics to assess how effectively this company generates cash.
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 LLOY market cap overview.
| 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 | — |