• Lloyds Banking Group's Q3 2026 results call on October 29 featured Chief Financial Officer William Chalmers and analysts.
• Chalmers expects full-year net interest income modestly above £14.9 billion, with fourth-quarter growth supported by a modest margin increase.
• Net interest income growth should slow in 2027 as competition in lending and deposits partly offsets higher volumes and structural hedge income.
• Structural hedge income is forecast above £8 billion in 2027; roughly 90% of the hedge is already locked in for that year.
• Operating costs should rise slightly above 3% in 2027 as investment increases, with approximately £2 billion of gross savings targeted under Accelerate 2030.

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