Lloyds (LSE: LLOY) has done a decent job of rebuilding its net interest margins over the past few years, and business had looked like it was getting back to normal. But if the BOE takes rates negative, all bets are off.

Our top analysts have highlighted five shares in the FTSE 100 in our special free report "5 Shares To Retire On". To find out the names of the shares and the reasons behind their inclusion, simply click here to view it immediately with no obligations whatsoever.


Owain Bennallack owns shares in Lloyds. The Motley Fool UK has no position in any of the shares mentioned. We Fools don't all hold the same opinions, but we all believe that considering a diverse range of insights makes us better investors.