"Along with the AI boost, it reported profit before tax for 2025 of £6.7 billion ($9.2 billion), up from £6 million ($8.2 billion) the year before. AI delivers According to the Group, the £50 million in value generated in 2025 reflects efficiencies, productivity gains, and service improvements driven by the rollout of more than 50 generative AI solutions across the business. These tools have been embedded into both customer-facing channels and internal operations, signalling a shift from pilot projects to enterprise-wide adoption."
"The expectation of more than £100 million in additional value in 2026 reflects plans to expand not only generative AI, but also agentic AI systems that can take more autonomous actions, orchestrating tasks across multiple processes. For Lloyds, this scaling phase is expected to amplify returns by automating more complex workflows and enabling faster, more consistent decision-making. At a time when banks are under pressure to cut costs while improving digital services,"
Lloyds Banking Group reported generative AI delivered around £50 million of value in 2025 and expects more than £100 million in additional value in 2026 as the technology is scaled. The bank embedded more than 50 generative AI solutions into customer-facing channels and internal operations, driving efficiencies, productivity gains, and service improvements. Plans include expanding agentic AI systems to take more autonomous actions, automating complex workflows and enabling faster, more consistent decision-making. Lloyds reported profit before tax for 2025 of £6.7 billion, up from £6 billion the previous year. The bank's AI expansion is positioned to contribute materially to financial performance while prompting expectations of job cuts amid cost-cutting pressures.
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