Lloyds Banking Group plc · LSE:LLOY
Lloyds Banking — Investor Presentation (October 2015)
21 slides from Lloyds Banking's investor presentation, Oct 2, 2015
Slide 1: Responsible Business and Helping Britain Prosper Plan
TITLE RESPONSIBLE SLIDE IS INPERFORMANCE BUSINESS SENTENCE AND HELPING BRITAIN CASE. PROSPER PLAN GREEN BACKGROUND. Mike Butters, Director of Investor Relations Paul Turner, Director of Sustainable Business 00 MonthMcCarthy-Stout, Caroline 0000 Head of Stakeholder Engagement, Presenters Responsible
Slide 2: Agenda
AGENDA Mike Butters Performance Update Director of Investor Relations Paul Turner Corporate Governance Director of Sustainable Business Caroline McCarthy-Stout Helping Britain Prosper Head of Stakeholder Engagement, Responsible Business Mike Butters Summary Director of Investor Relations 1
Slide 3: Delivering for our customers and shareholders
DELIVERING FOR OUR CUSTOMERS AND SHAREHOLDERS Clear strategic focus and differentiated business model providing competitive advantage Our business model • Clear strategy: UK retail and commercial focus Simple, low risk, customer focused, • Multi brand, multi channel distribution UK retail and commer
Slide 4: Financial performance
FINANCIAL PERFORMANCE Strong improvement in underlying profit (£m) H1 2015 H1 2014 Change • Income 2% higher at £9.0bn Net interest 5,715 5,404 6% – Strong net interest income performance, up 6%, income largely driven by improvement in NIM Other income 3,253 3,376 (4)% – Other income lower, but 4% h
Slide 5: Creating the best customer experience
CREATING THE BEST CUSTOMER EXPERIENCE Multi channel focus: Accelerating digital whilst maintaining a significant branch network allows us to better meet customer needs and create value for the bank Our strategy is multi brand and multi channel 2015 YTD Digital growth vs. prior year • Branches focuse
Slide 6: Legacy issues – PPI
LEGACY ISSUES – PPI Additional PPI provision of £1.4bn for H1 2015 PPI provision analysis(1) (bn) • Past business review H1 charge Cumulative Unutilised – 98% of programme complete with final 2% to be provision June 2015 completed in second half – no further provision Past business review – 1.7 0.2
Slide 7: Agenda
AGENDA Mike Butters Performance Update Director of Investor Relations Paul Turner Corporate Governance Director of Sustainable Business Caroline McCarthy-Stout Helping Britain Prosper Head of Stakeholder Engagement, Responsible Business Mike Butters Summary Director of Investor Relations 6
Slide 8: Responsible business framework
RESPONSIBLE BUSINESS FRAMEWORK How it all fits together • We have one strategy • Our Group values • Our Codes of • A robust framework • Our Helping Britain for sustainable growth underpin everything Responsibility ensure we enables strategic, Prosper Plan sets out • Low cost, low risk, UK we do oper
Slide 9: Governance
GOVERNANCE High standards of corporate governance Nomination Responsible Audit Board Risk Remuneration & Governance Business Committee Committee Committee Committee Committee 8
Slide 10: Ethics policy and codes
ETHICS POLICY AND CODES • Our Group Ethics and Responsible Business policy is part of the Group’s policy framework • It is underpinned by our two Codes of Responsibility 9
Slide 11: Embedding our values
EMBEDDING OUR VALUES • Our Codes of Responsibility define the behaviours required to live up to our Group values – as a business, as individual colleagues or as suppliers • We have worked hard to ensure that our Codes of Responsibility are embedded across the business and all colleagues are aware of
Slide 12: Agenda
AGENDA Mike Butters Performance Update Director of Investor Relations Paul Turner Corporate Governance Director of Sustainable Business Caroline McCarthy-Stout Helping Britain Prosper Head of Stakeholder Engagement, Responsible Business Mike Butters Summary Director of Investor Relations 11
Slide 13: Helping Britain Prosper Plan
HELPING BRITAIN PROSPER PLAN People across Britain are facing some big issues 12
Slide 14: 2015 Helping Britain Prosper Plan
2015 HELPING BRITAIN PROSPER PLAN Seven bold public commitments supported by 28 metrics 13
Slide 15: 2015 Helping Britain Prosper Plan
2015 HELPING BRITAIN PROSPER PLAN Supporting infrastructure projects to the value of £10bn 20,000 colleagues helping individuals and businesses make the most of digital services over 3 years Investing the first £6m of our Helping 72,000 British £35m Housing Growth Fund businesses access in smaller h
Slide 16: Reporting
REPORTING Moving further towards an integrated approach Annual Report and Accounts Responsible Business Review Helping Britain Prosper Plan 15
Slide 17: Material issues
MATERIAL ISSUES What our stakeholders tell us Treating customers fairly Responsible lending for all customers • Fairer products • Ethical Social and Environmental risk • Improving accessibility • Help for homebuyers and SMEs financial inclusion • Disability and education £25bn £750M • Customer compl
Slide 18: Commercial banking & sustainability
COMMERCIAL BANKING & SUSTAINABILITY • Renewable Energy – As part of the HPB Plan, LBG committed in 2015 to provide financial assistance to infrastructure and energy projects, which are part of the National Infrastructure Plan, with a total project value of £30bn by end 2017 – Lloyds Bank is an activ
Slide 19: Agenda
AGENDA Mike Butters Performance Update Director of Investor Relations Paul Turner Corporate Governance Director of Sustainable Business Caroline McCarthy-Stout Helping Britain Prosper Head of Stakeholder Engagement, Responsible Business Mike Butters Summary Director of Investor Relations 18
Slide 20: Summary
SUMMARY Becoming the best bank for our customers and shareholders while supporting the UK economic recovery and helping Britain prosper Our business model Our strategic priorities Our aim Creating the best customer experience Best bank for Low cost, customers Low risk, Customer Becoming focused, sim
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
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