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 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 150 years.

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 insurance.

This business is made up of International Wholesale Banking and Corporate and Asset Finance businesses across Europe and Australia.

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.

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.

This is Lloyds Banking Group's asset management specialist, managing over £145 billion in assets.

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 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 governance processes.

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 other things.

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.

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 appetite.