Lloyds Banking Group is made up of multiple
brands. And this has real advantages - for our business, for our
customers and, potentially, for you too.
For our business, it means having the
opportunity to cover and attract more of the market. For our
customers, it means being able to choose the brands that best
reflect their needs. For you, it could mean having the chance to
make an impact in any number of areas during the course of your
You can find out more about our different
businesses below. All our businesses are bolstered by critical
support functions, such as HR, Finance and Risk. Click on the
relevant link to find out more.
Customers & Brands, Digital & Telephone Banking
One team develops our customer and brand
experiences while the other delivers the best possible customer
experience across digital and telephone banking. Both play a key
part in attracting and retaining customers and in helping us deepen
our relationships with them. It's all part of giving customers what
they want, when they want it.
Our Commercial team supports over 1.1 million
small- and medium-sized enterprises (SME) and social and community
customers and provides asset-based finance to businesses of all
sizes. SMEs are pivotal to the UK economy as they provide 49% of
GDP and 60% of private sector employment.
Our Wholesale team helps us to achieve our
aim of becoming the UK's leading, through-the-cycle wholesale bank,
providing a critical link between financial markets and
customer-facing operations. Here, we deliver corporate banking and
risk management services to businesses with an annual turnover of
over £15 million.
Halifax Community Bank
Halifax is one of the UK's best-known banking
brands with almost 700 branches on the high street looking after
8.9 million customers. It's also the UK's number one savings
provider and has been helping customer buy their own homes for over
We aim to become the UK's leading insurance
business, building deep and enduring customer relationships across
our four leading brands: Lloyds TSB, Bank of Scotland, Halifax and
Scottish Widows. We offer a range of life, pension, investment and
general insurance products such as home, car, travel and commercial
This business is made up of International
Wholesale Banking and Corporate and Asset Finance businesses across
Europe and Australia.
Lloyds TSB & Bank of Scotland Community Banks
With more than 2,000 branches across England,
Scotland and Wales, Lloyds TSB and Bank of Scotland look after more
than 15.2 million current accounts. They offer a complete range of
banking products to meet customers' needs throughout their lives,
including current accounts, savings, mortgages, loans, credit
cards, investments and protection.
Products & Intermediaries
The Products team is responsible for the
design, delivery and business performance of products across Cards,
Loans & Protection, Personal Current Accounts, Mortgages and
Savings & Investment. Intermediaries is a new business area
focused on intermediary sales, particularly in Mortgages and parts
of our Wealth businesses.
Scottish Widows Investment Partnership
This is Lloyds Banking Group's asset management
specialist, managing over £145 billion in assets.
Wealth & International
Our Wealth businesses are made up of two
distinct areas serving our wealthy customer segments in the UK and
abroad. UK Wealth provides private banking and wealth management
solutions to affluent, high net worth and ultra high net worth
individuals in the UK, while our International Wealth business
caters for affluent and wealthy customers outside of the UK.
The backbone of our business, Group Operations
incorporates IT, Operations, Sourcing, Property Services, and
Security and Fraud.
Our Support Functions
Our Audit experts play a key part in helping us
deliver our strategy. They provide independent and objective
assurance on the effectiveness of risk management, control and
This team safeguards our reputation, and is
responsible for communicating and embedding our strategic
priorities, our vision and our values. It includes experts in
communications, public affairs and competition law, among many
Finance is responsible for producing our
financial accounts and reports, including our annual reports, which
are announced to the City every year. The function also comprises
several specialist teams, including Investor Relations, Group
Corporate Treasury and the Chief Economist's Office.
Our HR professionals are committed to creating
a high-performance culture and play an important part in helping us
achieve our vision of becoming the best bank for customers by
making us the best bank for colleagues.
Legal & Company Secretariat
This function provides legal counsel and
secretarial support to the Group, its board and its directors.
Our independent Risk division has three core aims: to provide
early warnings of risk-related issues, to work with the business to
support sustainable growth, and to minimise losses within the risk