2010年12月通期決算で22億ポンドの税引き前利益を計上し、前年の赤字(63億ポンド)から黒字に転換。貸倒引当金を45%減の132億ポンドまで圧縮できたことで、収益が上向いた。黒字となったのは、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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