Analysts at UBS have lowered their price target on shares of part-nationalised lender Lloyds Banking to 55p per share from the previous 60p and reiterated their 'buy' recommendation. They hold that uncertainty over Lloyds' management structure does not make for improved confidence, but on the whole should only have a small impact on cash flows.UBS adds that Lloyds' performance over the next ten years will definitely be affected by whether its chief executive officer returns or is replaced, but the three main drivers of its share price over the next three years will be the reduction of non-strategic businesses, higher returns on equity and a return to a dividend pay-out which will significantly boost the stock price.By 1:15PM shares of Lloyds were down 1.01% to 24.075p.SC