Analyst commentary
Lloyds is one of the UK’s largest banking groups and it makes almost all of its money in the UK after the bank’s international operations were rationalised and sold off following the Financial Crisis.
While Lloyds is best known for its lending, it also offers a range of investment options for customers, including Cash ISAs and Stocks and Shares ISAs. Investors can trade in UK and international shares, funds, ETFs, and other securities through these platforms.
While Lloyds offers these diverse investment products, the bank does not publicly disclose its Assets Under Management (AUM) or the number of investors using its services, making it difficult to gauge the exact scale of its investment operations.
Is your money safe with Lloyds?
Investors can rest assured that their money is generally considered safe with Lloyds Bank. As one of the UK's largest and oldest financial institutions, Lloyds is covered by the Financial Services Compensation Scheme, protecting up to £85,000 per person.
The bank has remained profitable for some time and maintains a strong capital position, with a healthy Common Equity Tier 1 ratio well above regulatory minimums. Like other banks, Lloyds undergoes regular stress tests and is subject to stringent oversight.
While no investment is entirely risk-free, Lloyds' size, profitability, and regulatory compliance contribute to its reputation as a secure financial institution.
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