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At a glance

Our excellent capital strength reaffirms that Lloyd's remains in robust financial shape. Lloyd’s entered 2019 in a secure position following 2018’s result, which reflects ongoing challenging underwriting and investment market conditions

Operating highlights

  • The Lloyd’s market paid out £19.7bn of gross claims in 2018 and has been able to meet these substantial commitments without impacting on our total resources, which remain strong at £28.2bn.
  • Lloyd’s Insurance Company, in Brussels, commenced trading to allow the market to continue to support customers on the continent of Europe in a post-Brexit world.

Key figures


Loss before tax


Gross written premium


Combined ratio


Investment return


Pre-tax return on capital


Net resources