The Financial Institutions Sentiment Survey 2026

Financial Institutions Sentiment Survey 2026

Welcome to the tenth edition of the Lloyds Financial Institutions Sentiment Survey. A decade on from its launch, this feels like a natural moment to reflect on how the industry has evolved - and, more importantly, where it is heading.Contents

^*Foreword:*
A decade in
the making

^{*Chapter 1:*}
Key findings

^{*Chapter 2:*}
The investment imperative

^{*Chapter 3:*}
AI: the growth engine

^*^{Chapter 4:*}
The UK’s position strengthened

^{*Chapter 5:*}
Stronger international ambitions

^*^{Chapter 6:*}
Tokenisation: from concept to application

^*^{Chapter 7:*}
Sector spotlight

^*Summary:*
The next ten years

Contributors

Thank you for reading

^Foreword:
A decade in the making

Lisa Francis, Head of Corporate
& Institutional Coverage

^{Chapter 1:}

Key findings

The key themes emerging from this year’s results

^{Chapter 2:}

The investment imperative

Why capital deployment is becoming
a condition of competitiveness

^{Chapter 3:}

AI: the growth engine

From operational efficiency
to strategic advantage

^{Chapter 4:}

The UK’s position strengthened

How the UK’s role as a global
financial services hub is evolving

^{Chapter 5:}

Strong international ambitions

Where institutions are looking for
the next phase of growth

^{Chapter 6:}

Tokenisation: from concept to application

How new market infrastructure is moving into practical use

^{Chapter 7:}

Sector spotlight

A view from insurers, asset & wealth managers, global banks and financial sponsors

^Summary:

The next ten years

Where the opportunities lie over the next decade for financial institutions