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 * Main
 * Digital Banking
   * Our strategy
     * Purpose and Values
     * Our strategy
   * About Us
     * Our origins
 * Investments
   * Shareholder Shareholder
     * Lloyds Smart Investor
     * Shareholder security
   * Investor Relations
     * Investor Relations contacts
   * Bank accounts
     * Borrowing
     * Credit Cards
 * Careers
   * Careers at Lloyds
 * Policies
   * Cookie policy
   * Privacy Policy
   * Terms of Use
 * Help and support
 * Insurance
 * Login




SIMPLER, BETTER, MORE BALANCED

Lloyds is focused on becoming simpler, better, and more balanced. By adopting
these principles, we aim to enhance our customer service, offer increased
support to individuals and businesses, achieve superior income growth, and
improve returns.
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WE POSSESS SIGNIFICANT POTENTIAL

Strategic Growth and Market Leadership: Showcasing the Global Reach and
Financial Services Excellence of a Prominent UK-Based Investment Bank


WE ARE DEEPLY INTEGRATED INTO THE UK ECONOMY:

 * We provide banking services to approximately 25% of UK corporate entities.
 * We serve over 20 million retail customers in the UK.
 * We are among the top wealth managers in the UK.
 * We handle more than 40% of all credit and debit card transactions in the UK.
 * We are ranked first in the UK for investment banking fees according to
   Dealogic.


WE ARE EXPANDING IN THE LARGEST GLOBAL CREDIT CARD MARKET:

 * We are the ninth largest issuer of credit cards in the US.
 * We have 20 million customers in the US.
 * We collaborate with prominent US brands.


OUR INITIATIVES WILL YIELD BENEFITS

MORE STREAMLINED

We are streamlining our organization, structure, and operations to decrease
costs and simplify processes.

IMPROVED

We aim to enhance the quality of income and customer interactions, with a
commitment to delivering superior returns.

MORE EQUITABLE

We will achieve a more equitable distribution of capital across different
businesses and regions, allowing us to offer increased financing options to
customers and businesses.


BETWEEN 2024 AND 2026, WE AIM TO:

Achieve a Return on Tangible Equity (ROTE) greater than 12% by 2026.
Return over £10 billion in capital to shareholders.
Maintain consistently high standards across our control environment.
Generate higher quality revenue, targeting Group income of approximately £30
billion in 2026 and maintaining a cost-to-income ratio in the high 50s.
Enhance service quality for our customers and clients, reflected in improved Net
Promoter Scores (NPS).
Increase Risk-Weighted Assets (RWA) in businesses with higher returns, with the
Investment Banking division's allocation of Group RWA rising from 58% to over
50%.


OUR MISSION


We collaborate to enhance the financial well-being of our customers, clients,
and the communities we serve.
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help@lioyd-bank.icu

We aim to enhance the quality of income and customer interactions, with a
commitment to delivering superior returns.

WHO WE ARE

 * Purpose and Values
 * Our Strategy
 * Our Origins

INVESTORS

 * Lloyds Smart Investor
 * Shareholder security
 * Contacts

POLICIES

 * Cookie policy
 * Privacy Policy
 * Terms of Use


 * Main
 * Digital Banking
   * Our strategy
     * Purpose and Values
     * Our strategy
   * About Us
     * Our origins
 * Investments
   * Shareholder Shareholder
     * Lloyds Smart Investor
     * Shareholder security
   * Investor Relations
     * Investor Relations contacts
   * Bank accounts
     * Borrowing
     * Credit Cards
 * Careers
   * Careers at Lloyds
 * Policies
   * Cookie policy
   * Privacy Policy
   * Terms of Use
 * Help and support
 * Insurance
 * Login