Lloyds Banking Group Plc · LSE:LLOY
Lloyds Banking — ESG Presentation (February 2020)
27 slides from Lloyds Banking's sustainability presentation, February 2020
Slide 1: Our approach to Environmental, Social and Governance (ESG) topics
Our approach to Environmental, Social and Governance (ESG) topics February 2020
Slide 2: Being a responsible citizen is fundamental to a sustainable business model
We recognise being a responsible citizen is a fundamental component of maintaining a sustainable business model 2
Slide 3: Lloyds Banking Group at a glance
Lloyds Banking Group at a glance • Largest UK retail and commercial financial services provider, with over 300 years heritage across our brands • Our brands extend to c.26m customers; the largest digital bank in the UK with >16m digitally active customers, and the largest branch network • Unique int
Slide 4: Our business model at a glance
Our business model at a glance Delivered a total shareholder return of 200% since our first strategic review in 2011 (vs 85%¹ FTSE100) Our purpose: Helping Britain Prosper Group values: Putting Customers First, Keeping it Simple, Making a Difference Together GSR1 (2011-2014) GSR2 (2015-2017) GSR3 (2
Slide 5: Our ESG achievements at a glance
Our ESG achievements at a glance New ambitious A proven track record goal • Raised >£2.8bn in green bonds for UK corporate issuers, more than any other UK bank • One of the UK’s leading low-emission fleets through Lex Autolease Environmental • Group carbon emissions down 63% since 2009, achieving ou
Slide 6: The Helping Britain Prosper plan is a key part of our ESG strategy
The Helping Britain Prosper plan is a key part of our ESG strategy Our Helping Britain Prosper plan1... ...directly supports global external goals Environmental Helping the transition to a sustainable low carbon economy Environmental and Social Helping Britain get a home Supporting businesses to sta
Slide 7: The history of our Helping Britain Prosper plan
The history of our Helping Britain Prosper plan As the largest UK financial services provider, our prosperity is interwoven with the prosperity of the UK Helping Britain Prosper launched in Helped 1 in 5 start-up businesses get off the ground Trained >700,000 individuals, businesses and 2014 chariti
Slide 8: Helping Britain Prosper throughout all regions of the UK
Helping Britain Prosper throughout all regions of the UK Foundations Apprenticeships >£25m donated to the Group’s four £9m of funds contributed to the Apprenticeship Levy independent charitable Foundations in 2019 to support smaller businesses Leading lender to SMEs Manufacturing Training Centre Inc
Slide 9: Our four independent charitable Foundations
Our four independent charitable Foundations As one of the UK’s largest corporate donors, we use our scale to reach communities across the country Our Foundations are critical to our vision of tackling social disadvantage by partnering with local charities to help overcome social issues and rebuild l
Slide 10: Awards and recognition in 2019
Awards and recognition in 2019 10
Slide 11: Helping the transition to a sustainable low carbon economy
Environmental Helping the transition to a sustainable low carbon economy Our goal is to be a leader in supporting the UK to successfully transition to a more sustainable, low carbon economy, which cannot happen overnight and relies on a phased approach Our commitments Objectives supported Progress W
Slide 12: Helping Britain get a home
Environmental and Social Helping Britain get a home As the largest lender to the UK housing sector, we are committed to supporting home ownership across the UK and are working to make it an affordable reality for millions of people Our commitments Objectives supported Progress Lend over £30bn to fir
Slide 13: Helping people save for the future
Environmental and Social Helping people save for the future We recognise the importance of savings to build financial resilience and help tackle disadvantage. We’re making saving for the future as easy as possible by improving choice, flexibility and control Our commitments Objectives supported Prog
Slide 14: Supporting businesses to start up and grow
Environmental and Social Supporting businesses to start up and grow We want to be the best bank for business customers by providing products and services based on a real understanding of their needs, whilst adhering to our responsible lending practices¹ Our commitments Objectives supported Progress
Slide 15: Tackling social disadvantage across Britain
Social Tackling social disadvantage across Britain As one of the UK’s largest corporate donors, we use our scale to reach people in communities across the country to help improve lives Our commitments Objectives supported Progress Through our £100m commitment to the Group’s £50.8m of total community
Slide 16: Building capability and digital skills
Social Building capability and digital skills Our ambition is to enhance capability and digital skills to help address the UK skills and productivity gap Our commitments Objectives supported Progress Provide digital skills training to >1.8m Delivered >25 apprenticeship programmes individuals, SMEs a
Slide 17: Championing Britain's diversity
( Social Championing Britain’s diversity Diversity is a business issue. Diverse teams, supported by inclusive environments, are more engaged, more innovative and deliver better outcomes for customers Our commitments Objectives supported Progress 40% of senior roles to be held by women by In 2019, 36
Slide 18: Our Helping Britain Prosper 2020 targets
Our Helping Britain Prosper 2020 targets 2018 2019 2020 Area of focus achieved achieved targets¹ SDGs supported Helping the transition to a sustainable low carbon economy Average number of homes that could be powered as a result of our support of UK 2.6m 5.1m2 5m renewable energy projects Helping Br
Slide 19: Sector statements – existing
Sector statements – existing Managing our risk appetite to a number of sectors is a critical part of our sustainability strategy. Our external sector statements set out our risk appetite for lending to these particularly sensitive sectors Sector Lloyds Banking Group will not: Sector Lloyds Banking G
Slide 20: Sector statements – new in 2020
Sector statements – new in 2020 Managing our risk appetite to a number of sectors is a critical part of our sustainability strategy. Our external sector statements set out our risk appetite for lending to these particularly sensitive sectors Sector Lloyds Banking Group will: Sector Lloyds Banking Gr
Slide 21: Governance at Lloyds Banking Group – Board of Directors
Governance at Lloyds Banking Group – Board of Directors Our Board of Directors has a diverse mix of skills and experience to provide independent and robust oversight of management. They actively engage with a wide variety of stakeholders and are committed to being responsive to them Board focus area
Slide 22: Responsible Business Committee
Responsible Business Committee A sub-committee of the Board established in 2015 that provides oversight for the Group’s Helping Britain Prosper Plan, and the plans for delivering the aspiration to be seen as a trusted and responsible business Overview Areas of focus in 2019 Helping Britain Prosper P
Slide 23: Governance case study – cyber security
Governance case study – cyber security Our Board and senior management provide robust oversight of key risks Governance Cyber Aware Robust governance structures focus on cyber security right up to Focus on protecting our customers and their data Board level • Significant and sustained investment to
Slide 24: Group remuneration policy changes – 2020 policy year
Group remuneration policy changes – 2020 policy year • Reduce Executive Directors’ pension allowances to 15% of base salary, aligned with the majority of the Pension workforce in a single step in 2020, with no offsetting adjustment in base salary or other fixed remuneration contributions • Invested
Slide 25: For further information
For further information Investor Relations Douglas Radcliffe Group Investor Relations Director 020 7356 1571 investor.relations@finance.lloydsbanking.com Corporate Affairs Grant Ringshaw Matt Smith External Relations Director Head of Media Relations 020 7356 2362 020 7356 3522 grant.ringshaw@lloydsb
Slide 26: Forward looking statements
Forward looking statements This document contains certain forward looking statements with respect to the business, strategy, plans and /or results of Lloyds Banking Group plc together with its subsidiaries (the Group) and its current goals and expectations relating to its future financial condition
Slide 27: LLOYDS
LLOYDS
Lloyds Banking Group — ESG Presentation (February 2020) on 6ix