Douglas Radcliffe
Group Investor Relations Director
Good afternoon, everybody. As indicated, I’m Douglas Radcliffe, and I’m the Group Investor Relations Director for Lloyds. Sarah has been in my team for a little while now. So welcome on Board, Sarah.
Douglas Radcliffe
Group Investor Relations Director
We’re really happy to be running another one of these briefings with ShareSoc. We view these events as an important way of actually keeping in touch with our retail shareholders. So thank you for joining us.
During the presentation today, I will talk to our strategy, in particular, our outlook to 2026, and Sarah will talk to the latest financials, including our half year results, which we released in July. We are intentionally using some of the slides from our half year results, so you can see what we presented to institutional investors at the time. The presentation should take about 20 minutes, and we will then leave plenty of time for Q&A at the end.
With that, let’s move on to the first slide. As many of you will know, Lloyds is a U.K.-focused retail and commercial bank. We have a simple operating model with the business split across 3 reporting divisions as outlined on the slide here: Retail Banking, Commercial Banking and Insurance, Pensions and Investments. Within these divisions, our customers are supported by a comprehensive product suite. This scale is underpinned by a portfolio of familiar and trusted brands such as Lloyds Bank, Halifax and Scottish Widows, alongside a few newer brands you may be less familiar with, including Tusker, our car salary sacrifice proposition for corporates and Lloyds Livings, our private rental arm.
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