Lloyds and Bank of Scotland report modest profit growth in 2025, driven by better credit quality and cost control, with ongoing digital and sustainability efforts.

Lloyds Bank PLC and Bank of Scotland plc have released their 2025 Annual Report and Accounts, detailing financial performance, strategic initiatives, and governance for the year. The reports highlight stable lending activity, continued investment in digital services, and progress on sustainability goals. Both banks reported modest profit growth, driven by improved credit quality and cost management, while maintaining strong capital positions. The filings also outline plans for future growth, including further digital transformation and customer service enhancements.