Helpful A-Z glossary listing key Lloyds Banking Group terms and their definition

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Regulatory capital

The amount of capital that the Group holds, determined in accordance with rules established by the PRA for the consolidated Group and by local regulators for individual Group companies.

Repurchase agreements or ‘repos’

Short-term funding agreements which allow a borrower to sell a financial asset, such as ABS or Government bonds as collateral for cash. As part of the agreement the borrower agrees to repurchase the security at some later date, usually less than 30 days, repaying the proceeds of the loan.

Risk appetite

The amount and type of risk that the Group is prepared to seek, accept or tolerate.

Risk-weighted assets

A measure of a bank’s assets adjusted for their associated risks. Risk weightings are established in accordance with the Basel Capital Accord as implemented by the PRA.