TIDM94WP TIDMLLOY
RNS Number : 1618S
Lloyds Bank PLC
12 March 2021
12 March 2021
Lloyds bank plc FILES ANNUAL REPORT ON FORM 20-F
Lloyds Bank plc announces that on 11 March 2021 it filed its
Annual Report on Form 20-F for the year ended 31 December 2020 with
the Securities and Exchange Commission.
A copy of the Form 20-F is available through the 'Investors'
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 2020 Lloyds Bank plc Annual Report on Form 20-F can be
requested from Investor Relations by email to
investor.relations@lloydsbanking.com
--
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 Media Relations
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 Bank plc together with its subsidiaries (the
Lloyds Bank 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 Lloyds
Bank Group's or its directors' and/or management's beliefs and
expectations, are forward looking statements. Words such as
'believes', 'achieves', 'anticipates', 'estimates', 'expects',
'targets', 'should', 'intends', 'aims', 'projects', 'plans',
'potential', 'will', 'would', 'could', 'considered', 'likely',
'may', 'seek', '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, statements or guidance relating
to: projections or expectations of the Lloyds Bank 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 Lloyds Bank Group's future financial
performance; the level and extent of future impairments and
write-downs; statements of plans, objectives or goals of the Lloyds
Bank 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 Lloyds Bank 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 Lloyds Bank Group's or Lloyds Banking Group plc'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; the Lloyds Bank Group's ESG targets and/or
commitments; changing customer behaviour including consumer
spending, saving and borrowing habits; changes to borrower or
counterparty credit quality impacting the recoverability and value
of balance sheet assets; concentration of financial exposure;
management and monitoring of conduct risk; exposure to counterparty
risk (including but not limited to third parties conducting illegal
activities without the Lloyds Bank Group's knowledge); 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), the EU-UK Trade and Cooperation
Agreement, 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 and any further possible referendum on Scottish
independence; 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 (including but not limited to the COVID-19
pandemic) and other disasters, adverse weather and similar
contingencies outside the Lloyds Bank Group's or Lloyds Banking
Group plc'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, or other such events;
geopolitical unpredictability; risks relating to climate change;
changes in laws, regulations, practices and accounting standards or
taxation, including as a result of the UK's exit from the EU;
changes to regulatory capital or liquidity requirements (including
regulatory measures to restrict distributions to address potential
capital and liquidity stress) and similar contingencies outside the
Lloyds Bank Group's or Lloyds Banking Group plc'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 laws,
legislation and regulation together with any resulting impact on
the future structure of the Lloyds Bank Group; the ability to
attract and retain senior management and other employees and meet
its diversity objectives; actions or omissions by the Lloyds Bank
Group's directors, management or employees including industrial
action; changes to the Lloyds Bank 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
Lloyds Bank 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 on Form 20-F filed by Lloyds Bank
plc with the US Securities and Exchange Commission for a discussion
of certain factors and risks. 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 Lloyds Bank 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 Lloyds Bank 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.
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END
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