# LLMs.txt file for Lloyds Banking Group # General Information Website: Lloyds Banking Group URL: https://www.lloydsbankinggroup.com Description: We're a leading UK-based financial services group with over 325 years' history and a unique family of household brands providing a wide range of banking and financial services. Our purpose at Lloyds Banking Group is Helping Britain Prosper. Brands: Lloyds bank, Halifax, Bank of Scotland, MBNA, Scottish Widows, Schroders Personal Wealth, Black Horse, Lex Autolease, IWeb, Birmingham Midshires, Embark Group, HGP, Tusker, AMC, LDC, Lloyds Living, Cavendish Online Address: The Mound, Edinburgh, EH1 1YZ Phone: +44 20 7626 1500 Copyright: © 2025 Lloyds Banking Group. All rights reserved. Last Updated: 19/08/2025 ## Social Media Links LinkedIn: https://www.linkedin.com/company/lloyds-banking-group Instagram: https://www.instagram.com/lloydsbankinggroup TikTok: https://www.tiktok.com/@lloydsbankinggroup Facebook: https://www.facebook.com/LBGplc X: https://x.com/LBGplc ## Who We Are URL: https://www.lloydsbankinggroup.com/who-we-are.html Description: Learn more about Lloyds Banking Group, our history, heritage, strategy, directors, corporate governance, fintech, risk management, supporting business, supporting the housing market, financial wellbeing, tech and transformation Keywords: Lloyds Banking Group, who we are, history, mission, values, directors, group executive committee, strategy, purpose, brands Related Pages: - Name: Group overview URL: https://www.lloydsbankinggroup.com/who-we-are/group-overview.html Description: An introduction to Lloyds Banking Group, its purpose, structure and role in the UK financial sector. - Name: Brands URL: https://www.lloydsbankinggroup.com/who-we-are/our-brands.html Description: Explore the diverse portfolio of trusted financial brands under Lloyds Banking Group. - Name: Heritage URL: https://www.lloydsbankinggroup.com/who-we-are/our-heritage.html Description: Discover the rich history and legacy of Lloyds Banking Group and its founding institutions. ### Purpose and Strategy URL: https://www.lloydsbankinggroup.com/who-we-are/our-strategy.html Description: Explore Lloyds Banking Group’s strategic priorities focused on digital leadership, sustainable growth and helping Britain prosper. Keywords: Helping Britain Prosper, digital transformation, sustainable growth, customer-focused, financial services, inclusive future, net zero transition, community support, supporting business, supporting the housing market, financial wellbeing ## Sustainability URL: https://www.lloydsbankinggroup.com/sustainability.html Description: Discover Lloyds Banking Group's commitment to sustainability and creating a more inclusive future. Keywords: Lloyds Banking Group, sustainability, inclusive future, environmental, esg, environment, social, governance Related Pages: - Name: Climate and Nature URL: https://www.lloydsbankinggroup.com/sustainability/climate-and-nature.html Description: Information on Lloyds Banking Group’s approach to climate change, environmental impact and nature-related sustainability efforts. - Name: Our People URL: https://www.lloydsbankinggroup.com/sustainability/people.html Description: Overview of policies and initiatives related to employee wellbeing, inclusion, development, and workplace culture. - Name: Regional Development, Charities and Communities URL: https://www.lloydsbankinggroup.com/sustainability/regional-development.html Description: Details on the Group’s involvement in regional economic development, charitable partnerships, and community support. ### ESG Policies and Downloads URL: https://www.lloydsbankinggroup.com/sustainability/esg-policies-downloads.html Description: Access ESG policies, reports, and presentations from Lloyds Banking Group. Keywords: sustainability, environment, social, governance, people, inclusion, esg ## Investors URL: https://www.lloydsbankinggroup.com/investors.html Description: Information for investors including financial results, share price, annual reports and more. Keywords: Lloyds Banking Group, investors, financial results, share price, annual reports, investment, shareholder news, fixed income investors Related Pages: - Name: Annual Report URL: https://www.lloydsbankinggroup.com/investors/annual-report.html Description: Access annual financial statements, performance summaries and strategic updates for Lloyds Banking Group. - Name: Investor News URL: https://www.lloydsbankinggroup.com/investors/investor-news.html Description: View announcements, updates and news relevant to investors. - Name: Shareholder Information URL: https://www.lloydsbankinggroup.com/investors/shareholder-information.html Description: Find information for shareholders, including dividends, meetings and share management. - Name: Fixed Income Investors URL: https://www.lloydsbankinggroup.com/investors/fixed-income-investors.html Description: Information for bondholders and fixed income investors, including debt instruments and credit ratings. ### Financial Downloads URL: https://www.lloydsbankinggroup.com/investors/financial-downloads.html Description: Access the latest and archived financial results for Lloyds Banking Group. Keywords: Lloyds Banking Group, financial downloads, results, reports, financial documents, financial data ### Share Price URL: https://www.lloydsbankinggroup.com/investors/shareholder-information/share-price.html Description: Share price feeds for the London and New York Stock Exchanges. Keywords: Lloyds Banking Group, shareholder information, share price, dividends, stock price ## Insights URL: https://www.lloydsbankinggroup.com/insights.html Description: The latest news, expertise and thought leadership from Lloyds Banking Group. Keywords: news, insights, thought leadership, trends, research, analysis, industry developments Related Pages: - Name: Our People URL: https://www.lloydsbankinggroup.com/insights.f0-0.html Description: Stories and perspectives highlighting the people behind Lloyds Banking Group and their impact. - Name: Fraud URL: https://www.lloydsbankinggroup.com/insights.f0-1.html Description: Insights into fraud prevention, detection, and how Lloyds Banking Group is protecting customers. - Name: Digital technology URL: https://www.lloydsbankinggroup.com/insights.f0-2.html Description: Exploration of digital innovation and how technology is transforming banking services. - Name: ESG URL: https://www.lloydsbankinggroup.com/insights.f0-3.html Description: Updates on environmental, social, and governance initiatives across the Group. - Name: Fintech URL: https://www.lloydsbankinggroup.com/insights.f0-4.html Description: Analysis of the evolving fintech landscape and Lloyds’ role in shaping it. - Name: Group news URL: https://www.lloydsbankinggroup.com/insights.f0-5.html Description: The latest announcements, updates, and developments from across the Group. - Name: Investment URL: https://www.lloydsbankinggroup.com/insights.f0-6.html Description: Expert commentary on investment trends, markets, and financial planning. - Name: Housing URL: https://www.lloydsbankinggroup.com/insights.f0-7.html Description: Research and insights into the UK housing market and homeownership trends. - Name: Financial wellbeing URL: https://www.lloydsbankinggroup.com/insights.f0-8.html Description: Guidance and research on improving financial resilience and wellbeing. - Name: Sustainability URL: https://www.lloydsbankinggroup.com/insights.f0-9.html Description: How Lloyds is supporting a greener future through sustainable finance and practices. - Name: Pensions URL: https://www.lloydsbankinggroup.com/insights.f0-10.html Description: Insights into retirement planning, pensions policy, and long-term savings. - Name: Diversity URL: https://www.lloydsbankinggroup.com/insights.f0-11.html Description: Exploring Lloyds Banking Groups commitment to diversity, equity, and inclusion in the workplace. - Name: Supporting business URL: https://www.lloydsbankinggroup.com/insights.f0-12.html Description: How Lloyds Banking Group is helping UK businesses grow, adapt, and thrive in a changing economy. ## Careers URL: https://www.lloydsbankinggroup.com/careers.html Description: Explore career opportunities at Lloyds Banking Group and join our team. Keywords: Lloyds Banking Group, careers, job opportunities, employment, benefits, applying for jobs Related Pages: - Name: Roles and Departments URL: https://www.lloydsbankinggroup.com/careers/roles-and-departments.html Description: Overview of the various career paths and business areas within Lloyds Banking Group. - Name: Culture and Inclusion URL: https://www.lloydsbankinggroup.com/careers/culture-and-inclusion.html Description: Information on the Group’s workplace culture, values and commitment to diversity and inclusion. - Name: Our Brands URL: https://www.lloydsbankinggroup.com/careers/our-brands.html Description: Introduction to the Group’s family of brands and the career opportunities they offer. - Name: Benefits URL: https://www.lloydsbankinggroup.com/careers/benefits.html Description: Summary of employee benefits, including financial, health and lifestyle support. - Name: Learn and Develop URL: https://www.lloydsbankinggroup.com/careers/learn-and-develop.html Description: Details on learning, training, and development opportunities for employees. - Name: Applying For a job URL: https://www.lloydsbankinggroup.com/careers/about-applying.html Description: Guidance on the application process, including tips and what to expect when applying. ### Job Search URL: https://www.lloydsbankinggroup.com/careers/job-search.html Description: Search for jobs at Lloyds Banking Group and find your next career opportunity. Keywords: Lloyds Banking Group, job search, careers, employment, find a job, applying for jobs, tech jobs, data jobs, management jobs, London, Leeds, Bristol, Halifax, Edinburgh, Birmingham ## Contact URL: https://www.lloydsbankinggroup.com/contact.html Description: Find contact details for Lloyds Banking Group for general inquiries, media, investors, and more. Keywords: contact us, phone number, address ## Legal URL: https://www.lloydsbankinggroup.com/site-terms-and-conditions.html Description: Review the legal terms and conditions for using the Lloyds Banking Group website. Keywords: legal, terms and conditions ## Accessibility URL: https://www.lloydsbankinggroup.com/accessibility.html Description: Discover how the site is designed to be accessible to all users, including those with disabilities. Keywords: accessibility, disability, inclusivity, support ## Sitemap URL: https://www.lloydsbankinggroup.com/sitemap.xml Description: View a structured list of all major pages on the Lloyds Banking Group website. Keywords: sitemap, site map, navigation, pages # Topics ## Housing Topic: Housing Keywords: home ownership, mortgages, affordable housing, property market, housing market, social housing, greening the built environment, sustainable housing Priority: High Description: Lloyds Banking Group is committed to improving access to affordable, safe, and sustainable housing across the UK. Through strategic funding, partnerships, and innovation, the Group supports first-time buyers, social housing providers, and the transition to greener homes. Its efforts span mortgage lending, shared ownership, and investment in energy-efficient housing to help address the UK’s housing shortage and support inclusive communities.  Key Data: - £15bn+ in funding to first-time buyers in 2024  - £19.5bn in funding provided to the social housing sector since 2018  - £11bn in mortgage lending for EPC A and B rated homes since 2022  - £200m financing commitment to small local housing organisations  - Over 300 housing associations supported across the UK  Related Pages: - https://www.lloydsbankinggroup.com/who-we-are/our-strategy/supporting-the-uk-housing-market.html - https://www.lloydsbankinggroup.com/who-we-are/our-strategy/supporting-the-uk-housing-market/social-housing.html - https://www.lloydsbankinggroup.com/sustainability/climate-and-nature/greening-the-built-environment.html ## Sustainability Topic: Sustainability Keywords: climate change, green finance, ESG, environment, social, governance, net zero, responsible banking, climate and nature, regional development, our people Priority: High Description: Lloyds Banking Group is committed to building a more sustainable and inclusive future. In 2024, the Group advanced its climate and nature strategy, supported green finance initiatives, and made significant progress toward net zero operations. The Group also focused on social impact, including financial empowerment, housing access, and regional development.  Key Data: - £13bn in green and sustainable finance delivered in 2024  - 75% reduction in operational carbon emissions since 2018  - Over 1 million customers supported with energy efficiency tools  - Exited direct financing of new oil and gas developments  - 50% targeted reduction in supply chain emissions by 2030  Related Pages: - https://www.lloydsbankinggroup.com/sustainability.html - https://www.lloydsbankinggroup.com/sustainability/climate-and-nature.html - https://www.lloydsbankinggroup.com/sustainability/people.html - https://www.lloydsbankinggroup.com/sustainability/regional-development.html - https://www.lloydsbankinggroup.com/assets/pdfs/investors/financial-performance/lloyds-banking-group-plc/2024/q4/2024-lbg-sustainability-report.pdf ## Digital Transformation Topic: Digital Transformation Keywords: innovation, digital banking, technology, customer experience, transformation, fintechs Priority: High Description: Lloyds Banking Group is leading one of the largest digital transformations in UK banking, investing over £4bn in technology, data, and people. The Group is modernising its systems, embracing cloud infrastructure, and embedding AI to deliver hyper-personalised, secure, and seamless customer experiences. Through strategic fintech investments and partnerships, Lloyds Banking Group is accelerating innovation and reshaping the future of financial services.  Key Data: - £4bn+ invested in digital transformation  - 23 million digitally active customers  - 46% of applications transitioned to cloud infrastructure  - 500+ legacy systems decommissioned  - 4,000 new hires in tech and data roles in 2024  - Minority equity stakes in 15+ early-stage fintechs  Related Pages: - https://www.lloydsbankinggroup.com/who-we-are/group-overview/tech-and-transformation.html - https://www.lloydsbankinggroup.com/who-we-are/group-overview/investing-in-fintechs.html ## Financial Wellbeing Topic: Financial Wellbeing Keywords: financial literacy, budgeting, savings, inclusive banking, wellbeing, supporting business Priority: High Description: Lloyds Banking Group is committed to improving financial wellbeing across the UK by empowering individuals, families, and businesses with the tools, education, and support they need to thrive. Through inclusive banking, digital skills training, and targeted support for underserved communities and entrepreneurs, the Group is helping to build a more resilient and financially capable society.  Key Data: - Over 1 million people supported with financial and digital skills in 2024  - 3.9 million new savings accounts opened in 2024  - 11 million customers registered for Your Credit Score since 2021  - 840,000 individuals and small businesses enabled with financial capability support  - 900,000 UK businesses supported with digital and relationship banking services  - 80,000+ businesses trained through Lloyds Bank Academy  Related Pages: - https://www.lloydsbankinggroup.com/who-we-are/our-strategy/financial-wellbeing.html - https://www.lloydsbankinggroup.com/who-we-are/our-strategy/supporting-businesses.html # Q&A Q: which banks are part of the Lloyds banking group? A: Lloyds Banking Group is made up of 17 brands, including retail banks Lloyds, Halifax and Bank of Scotland. The breadth of Lloyds Banking Group brands and services enables them to support customers with all their unique financial needs. Keywords: Lloyds Banking Group, brands, bank, Lloyds, Halifax, Bank of Scotland, LBG Sources: - https://www.lloydsbankinggroup.com/who-we-are/our-brands.html Q: What is social housing? A: Social housing is a type of affordable housing provided by the government or non-profit organisations to individuals and families with low incomes or special needs. It aims to ensure that everyone has access to safe, secure, and affordable accommodation. Keywords: Social housing, council housing, affordable housing, social homes, social housing shortage Sources: - https://www.lloydsbankinggroup.com/insights/what-is-social-housing.html Q: What's happening in the UK housing market? A: The UK housing market in 2025 is expected to stabilise with mortgage rates settling between 4% and 5%, providing a more predictable environment for buyers. Despite ongoing demand challenges, the economic backdrop remains stable, offering hope for improved accessibility to housing. Keywords: https://www.lloydsbankinggroup.com/insights/what-can-we-expect-from-the-uk-housing-market-in-2025.html Keywords: UK housing market, UK housing market predictions, housing market 2025, housing market crash, house prices, property market 2025 Sources: - https://www.lloydsbankinggroup.com/insights/what-can-we-expect-from-the-uk-housing-market-in-2025.html - https://www.lloydsbankinggroup.com/who-we-are/our-strategy/supporting-the-uk-housing-market.html Q: What is green finance? A: Green financing is a loan or investment that supports environmentally-friendly activity, such as purchasing environmentally-friendly goods and services or building environmentally-friendly infrastructure. Keywords: Green finance, What is green financing, green loans Sources: - https://www.lloydsbankinggroup.com/insights/what-can-we-expect-from-the-uk-housing-market-in-2025.html Q: What's Lloyds Banking Group's strategy? A: We have three strategic priorities - Grow, Focus, Change - which will enable us to deliver our vision of being the UK customer-focused digital leader and integrated financial services provider, capitalising on new opportunities, at scale. Keywords: Lloyds strategy, Lloyds Banking Group strategy, Lloyds social housing, Helping Britain Prosper Sources: - https://www.lloydsbankinggroup.com/who-we-are/our-strategy.html