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Company Description

Contact Info

25 Gresham Street

London, EC2V 7HN

United Kingdom

Phone: 44 20 7626 1500


Lloyds Banking Group plc provides a range of banking and financial services to individual and business customers in the United Kingdom (U.K.) and in certain locations overseas. The company’s major business activities are retail and commercial banking and long-term savings, protection and investment. Services are offered through various brands, including Lloyds Bank, Halifax, Bank of Scotland and Scottish Widows, and through a range of distribution channels, including the major branch network in the U.K. and a digital proposition. As of December 31, 2015, the company occupied 2,388 properties in the U.K. Of these, 696 were held as freeholds and 1,692 as leasehold. The majority of these properties are retail branches, distributed throughout England, Scotland, Wales, and Northern Ireland. Other buildings include the Lloyds Banking Group’s head office in the city of London with other customer service and support centers located to suit business needs but clustered largely in eight core geographic conurbations – London, Edinburgh, Glasgow, Midlands (Birmingham), Northwest (Chester and Manchester), West Yorkshire (Halifax and Leeds), South (Brighton and Andover), and Southwest (Bristol and Cardiff). Segments As of December 31, 2015, the company’s activities were organized into four segments, including Retail, Commercial Banking, Consumer Finance, and Insurance. Retail Retail offers a range of financial service products, including current accounts, savings, personal loans and mortgages, to U.K. personal customers, including Wealth and small business customers. It is also a distributor of insurance, protection and credit cards, and a range of long-term savings and investment products. Commercial Banking This segment provides banking and related services to business clients, from small businesses to large corporates. This segment is client led, focusing on small and medium sized enterprise, mid markets, global corporates, and financial institutios – it provides clients with a range of products and services such as lending, transactional banking, working capital management, risk management, debt capital markets services, as well as access to private equity through Lloyds Development Capital. Consumer Finance This segment provides a range of products including motor finance, credit cards, and European mortgages and deposit taking, aiming to deliver sustainable growth within risk appetite. Motor Finance seeks to achieve this through improving customer service by building digital capability and continuing to create propositions. Insurance This segment provides a range of long term savings, retirement and protection products to retail and corporate customers, either direct or through intermediary networks or through the Group’s banking branches . Life, Pensions and Investments The Life, Pensions and Investments business provides long-term savings, retirement solutions and protection products primarily distributed through intermediaries and direct channels of Scottish Widows. General Insurance The General Insurance business is a provider of home insurance in the U.K., with products sold through the branch network, direct channels and strategic corporate partners. The business also has brokerage operations for personal and commercial insurances. It operates primarily under the Lloyds Bank, Halifax and Bank of Scotland brands. Strategy The company’s strategy is focused upon delivering value and high quality experiences for customers alongside superior and sustainable financial performance within a prudent risk and conduct framework. History The company was founded in 1985. It was formerly known as Lloyds TSB Group plc and changed its name to Lloyds Banking Group plc in 2009. The company was incorporated as a public limited company and registered in Scotland under the UK Companies Act 1985 in 1985.


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Valuation LYGN Industry Range
Price/Earnings 25.1x
Price/Sales 1.8x
Price/Book 0.6x
Price/Cash Flow 20.4x
TEV/Sales 2.0x

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