劳埃德银行公布半年报并推出 Accelerate 2030 战略，目标到2030年降本并提升回报

Lloyds targets £2bn cost cuts as part of new four-year strategy
Lloyds Banking Group’s boss has outlined a new four-year corporate strategy, including investing in AI to help deliver £2bn in cost savings.
The UK’s biggest high street bank will spend £13bn on the four-year plan, called Accelerate 2030, that will involve expanding its corporate bank.
Chief executive Charlie Nunn unveiled the refreshed strategy at the group’s half-year results, where Lloyds reported £2.3bn in pre-tax profits for the three months to June, up from £2bn a year earlier. The group reported £5bn in revenues over the quarter.
Analysts had expected £2.1bn in pre-tax profits on revenues of £4.95bn. Shares rose 1.7 per cent in morning trading on Thursday.
The new strategy builds on Nunn’s 2022 pivot to focus on generating more income from sources that are less closely tied to the interest rate cycle than its traditional lending business. Since then Lloyds shares have risen by nearly 130 per cent.
Lloyds’ first-half results were buoyed by higher income from operations outside its traditional lending business, such as fees for managing client pensions, insurance and investments. Nunn has championed expanding these business lines to diversify the lender.
The bank’s income from sources unconnected to the interest rate cycle rose to £1.7bn, a 12 per cent increase from the same period in 2025.
The bank was also helped by a rise in its net interest margin — the interest charged on loans and the rate paid out on customer deposits.
Lloyds said its underlying impairment charge for loans it expects not to be repaid in full increased to £322mn in the quarter, compared with £133mn in the same period last year.
Under its new strategy, the bank said it wanted to grow in core markets and use technology to simplify the group and “reimagine money for our customers”, Nunn said.
The UK’s biggest mortgage lender will also deploy AI and tokenisation technology to cut the time it takes to buy a house “from weeks to days”, he added.
Lloyds plans a big push for its corporate and institutional bank, which serves large clients, and to expand its US and European presence. Nunn said the company aimed to “grow the balance sheet significantly” over the next four years by expanding lending.
The group will take on HSBC with its own unit to lend to nascent fast-growing businesses. HSBC bought its own “innovation banking” division from the collapsed American lender Silicon Valley Bank in 2023.
In another move, Lloyds will launch a smart wallet to compete with the likes of Apple Pay, Revolut and Monzo using technology it gained after buying troubled fintech Curve in a cut-price deal last year.