About Lloyds Banking Group

Our vision is to be recognised as the best bank for our customers

Lloyds Banking Group is a leading UK-based financial services group providing a wide range of banking and financial services to personal and corporate customers.

Financial services are offered through a number of well recognised brands including Lloyds TSB, Halifax, Bank of Scotland and Scottish Widows. We also have a range of distribution channels, including an extensive branch network.

Our vision is to be recognised as the best bank for customers. Our strategy is to create value for shareholders by investing where we can make a real difference for customers, communities and colleagues.

Our business model is focused on developing deep and lasting relationships with our customers, to help them achieve what is important to them.

Group structure as at end 2010

There are four primary business areas within the Group: Retail, Wholesale, Wealth and International, and Insurance.

RETAIL

46% of total group income*

Retail is the UK’s leading provider of current accounts, savings, personal loans, credit cards and mortgages. It serves over 30 million customers through one of the largest branch and fee-free ATM networks in the UK. It is also a major distributor of general insurance and bancassurance products.

WHOLESALE

36% of total group income*

The Wholesale division services in excess of a million businesses, ranging from start-ups and small enterprises to global corporations.

WEALTH AND INTERNATIONAL

10% of total group income*

Wealth and International focuses on the private banking and asset management business of the Group and operates the Group’s international business.

INSURANCE

8% of total group income*

The Life, Pensions and Investments business is a leading UK provider of bancassurance, home insurance and general insurance products.

*Excludes Group Operations, Central items and insurance claims