2010年6月中間決算で16億ポンドの税引き前利益を計上し、前年同期の赤字（39億6,000万ポンド）から黒字に復帰。貸し倒れ引当金が134億ポンドから65億5,000万ポンドまで縮小し、収益が改善した。黒字はロイズTSBが金融危機で経営が悪化した住宅金融大手HBOSを買収して2009年1月にロイズ・バンキング・グループが発足してから初めて。
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