Lloyds Banking Group PLC (LLOY) — Working Capital to Net Assets Ratio
Lloyds Banking Group PLC (LLOY) has a Working Capital to Net Assets ratio of -938.2% as of June 2025. Working capital of GBX-439.74 Billion (current assets of GBX64.22 Billion minus current liabilities of GBX503.97 Billion) is measured against net assets of GBX46.87 Billion. A higher ratio indicates strong short-term liquidity financed by the equity base. See Lloyds Banking Group PLC defensive interval ratio to measure how many days the company can operate on defensive assets alone.
WC/NA Ratio
Working Capital
Current Assets
Current Liabilities
Lloyds Banking Group PLC Working Capital to Net Assets (1995–2024)
This chart shows how Lloyds Banking Group PLC's Working Capital to Net Assets ratio has evolved across 30 annual periods from 1995 to 2024. As of June 2025, the ratio stands at -938.2%, reflecting working capital of GBX-439.74 Billion against net assets of GBX46.87 Billion GBX. For the complete balance sheet picture, see LLOY total assets.
Annual Working Capital to Net Assets for Lloyds Banking Group PLC (1995–2024)
The table below presents the year-by-year Working Capital to Net Assets ratio for Lloyds Banking Group PLC from 1995 to 2024, covering 30 annual filings. Each row shows current assets, current liabilities, working capital, net assets, the ratio, and the change in percentage points compared to the prior year. Check how resilient are Lloyds Banking Group PLC's assets to evaluate the company's liquid asset resilience ratio.
| Year | WC/NA Ratio | Working Capital (GBX) | Net Assets | Current Assets | Current Liabilities | Change (pp) |
|---|---|---|---|---|---|---|
| 2024 | -768.6% | GBX-352.68 Billion | GBX45.89 Billion | GBX138.64 Billion | GBX491.32 Billion | ▼ -852.8 pp |
| 2023 | 84.2% | GBX39.89 Billion | GBX47.37 Billion | GBX79.02 Billion | GBX39.13 Billion | ▲ +866.6 pp |
| 2022 | -782.4% | GBX-343.57 Billion | GBX43.91 Billion | GBX140.57 Billion | GBX484.14 Billion | ▼ -773.2 pp |
| 2021 | -9.2% | GBX-4.72 Billion | GBX51.22 Billion | GBX76.57 Billion | GBX81.28 Billion | ▲ +29.4 pp |
| 2020 | -38.6% | GBX-19.06 Billion | GBX49.41 Billion | GBX73.56 Billion | GBX92.62 Billion | ▼ -36.3 pp |
| 2019 | -2.2% | GBX-16.16 Billion | GBX719.07 Billion | GBX55.44 Billion | GBX71.60 Billion | ▲ +948.4 pp |
| 2018 | -950.6% | GBX-477.20 Billion | GBX50.20 Billion | GBX56.06 Billion | GBX533.26 Billion | ▲ +16.6 pp |
| 2017 | -967.2% | GBX-475.32 Billion | GBX49.14 Billion | GBX59.88 Billion | GBX535.20 Billion | ▲ +75.5 pp |
| 2016 | -1042.7% | GBX-509.01 Billion | GBX48.81 Billion | GBX48.87 Billion | GBX557.88 Billion | ▼ -31.1 pp |
| 2015 | -1011.6% | GBX-475.27 Billion | GBX46.98 Billion | GBX59.79 Billion | GBX535.05 Billion | ▼ -213.6 pp |
| 2014 | -798.0% | GBX-398.24 Billion | GBX49.90 Billion | GBX63.99 Billion | GBX462.23 Billion | ▲ +241.5 pp |
| 2013 | -1039.5% | GBX-408.90 Billion | GBX39.34 Billion | GBX56.84 Billion | GBX465.74 Billion | ▼ -218.6 pp |
| 2012 | -821.0% | GBX-349.57 Billion | GBX42.58 Billion | GBX91.09 Billion | GBX440.65 Billion | ▼ -246.4 pp |
| 2011 | -574.6% | GBX-265.33 Billion | GBX46.18 Billion | GBX210.74 Billion | GBX476.07 Billion | ▼ -83.9 pp |
| 2010 | -490.6% | GBX-218.65 Billion | GBX44.57 Billion | GBX195.67 Billion | GBX414.32 Billion | ▲ +44.9 pp |
| 2009 | -535.6% | GBX-236.22 Billion | GBX44.11 Billion | GBX190.58 Billion | GBX426.80 Billion | ▲ +1593.8 pp |
| 2008 | -2129.3% | GBX-206.52 Billion | GBX9.70 Billion | GBX5.95 Billion | GBX212.48 Billion | ▼ -598.8 pp |
| 2007 | -1530.6% | GBX-190.17 Billion | GBX12.43 Billion | GBX5.57 Billion | GBX195.75 Billion | ▼ -32.0 pp |
| 2006 | -1498.5% | GBX-172.44 Billion | GBX11.51 Billion | GBX3.33 Billion | GBX175.76 Billion | ▲ +20.2 pp |
| 2005 | -1518.7% | GBX-161.44 Billion | GBX10.63 Billion | GBX1.16 Billion | GBX162.60 Billion | ▼ -175.0 pp |
| 2004 | -1343.8% | GBX-156.92 Billion | GBX11.68 Billion | GBX2.54 Billion | GBX159.46 Billion | ▼ -14.1 pp |
| 2003 | -1329.6% | GBX-137.63 Billion | GBX10.35 Billion | GBX2.64 Billion | GBX140.27 Billion | ▲ +211.3 pp |
| 2002 | -1540.9% | GBX-134.11 Billion | GBX8.70 Billion | GBX7.74 Billion | GBX141.85 Billion | ▼ -2367.5 pp |
| 2001 | 826.6% | GBX97.40 Billion | GBX11.78 Billion | GBX231.12 Billion | GBX133.72 Billion | ▼ -80.0 pp |
| 2000 | 906.6% | GBX95.88 Billion | GBX10.58 Billion | GBX213.48 Billion | GBX117.60 Billion | ▼ -1232.5 pp |
| 1999 | 2139.1% | GBX186.65 Billion | GBX8.73 Billion | GBX297.20 Billion | GBX110.55 Billion | ▲ +1349.9 pp |
| 1998 | 789.2% | GBX59.32 Billion | GBX7.52 Billion | GBX166.15 Billion | GBX106.83 Billion | ▲ +998.6 pp |
| 1997 | -209.5% | GBX-13.18 Billion | GBX6.29 Billion | GBX10.29 Billion | GBX23.47 Billion | ▲ +27.8 pp |
| 1996 | -237.3% | GBX-12.12 Billion | GBX5.11 Billion | GBX9.12 Billion | GBX21.24 Billion | ▲ +9.5 pp |
| 1995 | -246.7% | GBX-11.95 Billion | GBX4.84 Billion | GBX7.77 Billion | GBX19.72 Billion | — |