You are a business adviser and one of your clients is considering whether to purchase shares of the Lloyds Banking Group. Your client is unfamiliar:with the following terms which feature in the...

Contents
Introduction .................................................................................................................................................. 2
Industry Analysis ........................................................................................................................................... 2
Market Structure ....................................................................................................................................... 2
Regulatory Structure & Government Legislation and its effect on Industry ............................................ 3
Impairment analysis ...................................................................................................................................... 3
Other Business Strategies ............................................................................................................................. 3
Strategic Management Framework .............................................................................................................. 4
Financial Analysis .......................................................................................................................................... 5
Ratio Analysis of Lloyds ................................................................................................................................. 5
Profitability Ratios ......................................................................................................................................... 5
Liquidity ratio Analysis .............................................................................................................................. 6
Gearing ratio ............................................................................................................................................. 7
Conclusion ..................................................................................................................................................... 8
References & Exhibits ................................................................................................................................... 8
Exhibit No-1- Ratio Analysis of Lloyd banking ........................................................................................... 8
Introduction
Lloyds Banking Group is a leading UK based financial services group providing a wide range of
anking and financial services, primarily in the UK, to personal, commercial and corporate
customers.
Our business model is designed around our distinctive capabilities in serving personal,
commercial and corporate customers across the UK, with a focused range of banking, insurance,
investment, debt financing and risk management products to meet customer needs.
Industry Analysis

Market Structure
The market structure is defined by the no. of products in the industry and the various categories
of customers it serves for that product. The Banking company provides product in following
categories:-
1) Property related
2) Risk Finance
3) Commercial Product
4) To prevent from loss products
5) Investment banking
The whole customer segment is divided into personal line and the commercial line of business.
Cu
ently, US & UK are the largest market for insurance as far as size is concerned.(NASDAQ
Guru Analysis, 2012)
Regulatory Structure & Government Legislation and its effect on Industry
A large no. of legislation is there to serve Banking Industry:-
Some of them are;-
1) IFRS System
2) GAAP System
3) Basel III norms
This legislation is necessary for smooth, efficient effective operation of Banking business.
Impairment analysis
Impairment allowances are assessed...