Lloyds Banking Group plc · LSE:LLOY
Lloyds Banking — Corporate Update (June 2016)
21 slides from Lloyds Banking's corporate update, Jun 16, 2016
Slide 1: SRI and Responsible Business Update
TITLE SLIDE IS IN SRI AND RESPONSIBLE BUSINESS UPDATE SENTENCE CASE. Mike Butters, Director of Investor Relations GREEN BACKGROUND. Damian Leeson, Director, Group Responsible Business 00 Month Adam 0000 Rainey, Area Director, SME Banking Presenters Name 16 June 2016
Slide 2: Agenda
AGENDA Mike Butters Strategy and recent performance Director of Investor Relations Responsible Business and Helping Damian Leeson Britain Prosper Director, Group Responsible Business Adam Rainey SME Charter Area Director, SME Banking 1
Slide 3: A UK focused, multi branded, retail and commercial bank, with market leading distribution
A UK FOCUSED, MULTI BRANDED, RETAIL AND COMMERCIAL BANK, WITH MARKET LEADING DISTRIBUTION Lloyds Bank Bank of Scotland Simple, UK focused retail and commercial bank Multi-brand and multi-channel distribution Low risk and low cost business model Halifax Scottish Widows provides competitive advantage
Slide 4: We are making good progress against our strategic priorities
WE ARE MAKING GOOD PROGRESS AGAINST OUR STRATEGIC PRIORITIES Creating the best Becoming simpler and Delivering sustainable customer experience more efficient growth • Integrated multi-channel • Cost leadership with continued • Growth in targeted areas strategy reductions in cost:income ratio – SME l
Slide 5: Financial performance – first three months of 2016
FINANCIAL PERFORMANCE – FIRST THREE MONTHS OF 2016 Robust financial performance in a challenging operating environment £4.4bn • Underlying profit stable at £2.1bn with an underlying return on required Income equity of 13.8% (1)% – Income decreased 1%; 3% improvement in NII reflecting a margin of £(2
Slide 6: Agenda
AGENDA Mike Butters Strategy and recent performance Director of Investor Relations Responsible Business and Helping Damian Leeson Britain Prosper Director, Group Responsible Business Adam Rainey SME Charter Area Director, SME Banking 5
Slide 7: Helping Britain Prosper – a clear and differentiating purpose
HELPING BRITAIN PROSPER – A CLEAR AND DIFFERENTIATING PURPOSE • Core to our strategy and values • Strong governance • Our Foundations 6
Slide 8: Doing business responsibly
DOING BUSINESS RESPONSIBLY Rebuilding trust in Being a responsible Making our products Explaining our wider our business business and services clearer economic contribution We can only achieve We must run our business We want to be the best bank for We serve an increasingly diverse We contribute to
Slide 9: Our Helping Britain Prosper Plan: tackling social and economic issues
OUR HELPING BRITAIN PROSPER PLAN: TACKLING SOCIAL AND ECONOMIC ISSUES Focused on three themes • People • Business • Communities 8
Slide 10: 2016 Prosper Plan
2016 PROSPER PLAN • Buying a first home • Support to start up • Addressing inequality • Saving for the future • Funding to grow • Supporting disadvantaged • Securing a job • Building trade overseas people • Championing Britain's diversity 9
Slide 11: 2015 Prosper Plan performance
2015 PROSPER PLAN PERFORMANCE 10
Slide 12: Case study: incentivising carbon efficiency
CASE STUDY: INCENTIVISING CARBON EFFICIENCY Lloyds Bank Commercial Banking Green Loan Fund • UK first • Incentivise adoption of energy efficiency measures • Expected savings equivalent to 110,000 tonnes of carbon 11
Slide 13: Agenda
AGENDA Mike Butters Strategy and recent performance Director of Investor Relations Responsible Business and Helping Damian Leeson Britain Prosper Director, Group Responsible Business Adam Rainey SME Charter Area Director, SME Banking 12
Slide 14: 2015 highlights
2015 HIGHLIGHTS 5% £1.4bn YEAR-ON-YEAR NET IN FUNDING SUPPORT 103,000 GROWTH IN LENDING TO THE MANUFACTURING START-UPS SUPPORTED TO SMEs SECTOR £11.3bn 28,000 OF FINANCING FOR JOBS PROTECTED UK INFRASTRUCTURE THROUGH OUR BUSINESS PROJECTS SUPPORT UNIT 13
Slide 15: Supporting businesses through finance…
SUPPORTING BUSINESSES THROUGH FINANCE… • In the 12 months to March 2016 we increased net lending to SMEs by £1.3bn, or 5% year on year net growth • Since the start of 2011, we have grown our lending to SMEs by 26% net, while the market has contracted by 13% • Through our SME Charter, we have pledged
Slide 16: …Advice & insight…
…ADVICE & INSIGHT… Economic Advice In 2015 we launched a new suite of economic and market insight reports designed specifically for the small business audience. Customers can sign up free of charge We also make insight available through our Business in Britain reports. The latest (January 2016) show
Slide 17: …Across our sectors…
…ACROSS OUR SECTORS… • In 2015 we opened the Lloyds Bank Advanced Manufacturing Training Centre in Coventry. The Bank is contributing an investment of £5m over five years to help address the skills gap in the sector and help improve UK productivity and competitiveness • Lloyds Banking Group and the
Slide 18: …At home and abroad…
…AT HOME AND ABROAD… 80% FTSE 100 We bank over 80% of the FTSE 100, with offices across Europe, North America and Asia to help strengthen investment into the UK Singapore Our recently opened office in Singapore serves as a gateway for UK clients operating in the key trade hubs of Asia and Australia
Slide 19: …And commitment for the future
…AND COMMITMENT FOR THE FUTURE • Following the launch of the Group’s Helping Britain Prosper Plan at the start of the year, in April 2016 we launched the SME Charter • This Charter outlines 12 key pledges outlining our support for SMEs in exports, growth and innovation through our lending, mentoring
Slide 20: Questions & Answers
TITLE SLIDE IS IN QUESTIONSCASE. SENTENCE & ANSWERS GREEN BACKGROUND. 00 Month 0000 Presenters Name
Slide 21: Forward looking statement and basis of presentation
FORWARD LOOKING STATEMENT AND BASIS OF PRESENTATION FORWARD LOOKING STATEMENTS This document contains certain forward looking statements with respect to the business, strategy and plans of Lloyds Banking Group and its current goals and expectations relating to its future financial condition and perf