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BACKING YOUR AMBITION
GARETH OAKLEY
Managing Director of SME Banking, Lloyds Bank
2
Our goal is to be the best bank for our clients.
We’ll invest time in understanding your business,
and commit to building a strong
local banking relationship
focused on helping you achieve your goals.
YOUR RELATIONSHIP MANAGER
Vijay Chouhan SME Local Banking – Black Country
07921 548 596
3
ROLE
Support local SME clients
with turnover in excess of
£1million who are looking
grow their businesses. I am
focused on helping them
achieve their growth
aspirations and have an
excellent suite of banking
products and services to
assist them. I am supported
by Chad Hegarty who works
in our Birmingham Client
Services Team
QUALIFICATIONS
BSc Honours Degree in
Computer Science
A Levels including Business
Studies and IT
BACKGROUND
With over 12 years
experience in Commercial
Banking, I have a proven
track record and plenty of
experience to help play a key
role in helping local SME’s
prosper. From assisting with
immediate business
requirements to helping
realise medium and long
term goals, I am truly
passionate about delivering
the best advice and solutions
for my clients.
BACKING YOUR AMBITION
WITH A LOCAL BANKING TEAM IN THE BLACK COUNTRY
YOUR DEDICATED ASSISTANT RELATIONSHIP MANAGER
CHAD HEGARTY
ASSISTANT RELATIONSHIP
MANAGER
Tel: 0121 600 3870
4
Chad assists me in providing excellent service to my clients. He has a
number of years of experience in banking and is works closely with me
to help facilitate growth and success of SME’s through a variety of
services we offer as well as troubleshooting. He can be contacted on
0121 600 3870.
5 5
BACKING YOUR AMBITION
WITH A LOCAL BANKING TEAM IN BLACK COUNTRY
You have access to a wide range of specialists through your relationship team.
RUSHY HAYER
Associate Director, SME Financial Markets
Rushy.Hayer@lloydsbanking,com
Tel: 07824431734
LEE MASON
Regional Manager Lloyds Bank Commercial
Finance
Tel: 07766415084
EMMA ATKINSON
Lex Autolease Lloyds SME Banking
Tel: 07500953973
REBECCA SMALLMAN
Arthur J Gallagher
Tel: 07825059537
ANGELA BURTON
Lloyds Bank Cardnet
Tel: 07717548234
SARAH JANE POETT
Lloyds Bank Asset Finance
Tel: 01489776849
BACKING YOUR AMBITION
THROUGH RELATIONSHIPS AND SERVICE
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Giving you
the flexibility to
seize business
opportunities.
We want to
commit to
a long-term
relationship with
your business.
TEAMWORK
Our senior management,
partner company
specialists and credit
teams work together to
respond quickly to your
needs.
We have a
commitment to
continue to support
businesses with
lending, and to
continue to grow
our lending each
year on a
net basis.
COMMITMENT
We have pledged
to remain an active
lender and proactive
supporter of business
growth throughout the
economic cycle.
We spend our time
adding value to your
business through
targeted, quality
guidance, and by
providing the right
products, such as
working capital
solutions to support
your growth.
EXPERTISE
Local banking relationship
managers looking
after similar sized
businesses locally in
dedicated portfolios.
We invest the time to
understand your
business and to ensure
we can support your
ambitions, with a
dedicated client
services team to
ensure you
have additional
day-to-day contact.
RELATIONSHIP
A manager who takes
responsibility for your
whole relationship with
Lloyds Bank.
7
Lloyds Banking Group figures correct as at 30 September 2015. 8 out of 10 relates to period April 2012 to September 2015. Lloyds Banking Group includes
companies using brands including Lloyds Bank, Halifax and Bank of Scotland and their associated companies. More information on Lloyds Banking Group can
be found at lloydsbankinggroup.com
LLOYDS BANKING GROUP – BACKING YOUR AMBITION
* FDs’ Excellence Awards supported by Real Business. For more information, visit lloydsbank.com/bankoftheyear
£4bn 80%
HELPING BRITISH BUSINESS PROSPER – LLOYDS BANKING GROUP
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IN A FLAT LENDING MARKET, WE ARE GROWING OUR SME LENDING
YEAR ON YEAR BY
WE APPROVE 8 OUT OF
10 LOAN AND OVERDRAFT
APPLICATIONS
COMMITMENT TO LEND A TOTAL OF
TO MANUFACTURERS BETWEEN 2014–17
Lloyds Banking Group includes companies using brands including Lloyds Bank, Halifax and Bank of Scotland and their associated companies.
More information on Lloyds Banking Group can be found at lloydsbankinggroup.com
Lloyds Banking Group lending figures
correct as at September 2015
80% relates to period
April 2012 to September 2015
£1.5bn NET LENDING TO SMEs IN THE 12 LAST MONTHS TO
SEPTEMBER 2015
2 years THE FIRST UK BANK TO FORM A STRATEGIC PARTNERSHIP
WITH UKTI TO SUPPORT UK EXPORT AMBITIONS
BACKING YOUR AMBITION
WITH LENDING AND WORKING CAPITAL SOLUTIONS
Whatever you need funding for, we have a range of lending products to meet your needs.
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Lending Product Key Benefits
Variable Rate Term Loans/Commercial Mortgages
To support a business’ purchase of new or current premises or
the expansion of their existing ones.
Terms of up to 25 years.
All loan products and sectors are included within the Funding for
Lending Scheme, as well as lending for real estate activities.
Asset Finance
To fund assets including: commercial/HGV vehicles,
machinery, plant and manufacturing equipment.
A response within 24 hours.
Competitive rates.
Fixed Rate Term Loan*
Flexible rates and terms to suit your needs.
Market rates with fixed terms up to 25 years.
All loan products and sectors are included within the Funding for
Lending Scheme.
Options for maximum break costs on fixed rate loans.
Enterprise Finance Guarantee (EFG)
Access funding when you lack security, or want to free up your
overdraft.
Variable or fixed rates of interest available.
Capital repayment holidays available.
Business Growth Fund (BGF)
Long-term capital funding designed to help privately-owned
profitable businesses’ investment for growth.
Up to ten years funding with flexible investment structures tailored to
individual business needs.
By having a seat on your board, BGF offers vital additional business
guidance.
Any property given as security which may include your home, may be repossessed if you do not keep
up repayments on your mortgage or other debts secured on it.
*There is always a possibility that interest rates may go down leaving a fixed rate loan at a higher level compared to a variable rate loan.
However, if interest rates rise, a fixed rate loan will remain at the same rate.
All lending is subject to a satisfactory credit assessment.
BACKING YOUR AMBITION
WORKING CAPITAL SOLUTIONS – COMMERCIAL FINANCE
We offer a range of commercial finance solutions to enhance your cash flow and
help you manage your cash and assets more efficiently.
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Product Key Features
Invoice Finance (Factoring
and Invoice Discounting)
A cash injection or predictable cash flow helping you plan ahead
more confidently.
Receive up to 90% of the value of invoices typically within 24 hours.
The level of available funding can grow as your business does.
Asset Based Lending
Support growth through off-balance
sheet funding with finance that grows
in line with your business.
Works alongside Invoice Finance to provide fast access to working
capital.
Free up funds tied up in inventory, plant and machinery.
Inventory funding mechanism for manufacturers, which helps raise
finance on the high levels of inventory required to run your business
smoothly.
Most of our Commercial Finance specialists have funding discretion and can approve at a local level
often with a quick turnaround.
We don’t have call centres, just local client managers.
We are the largest Invoice Finance provider in the UK market.
We are a member of the Asset Based Finance Association and subscribe to its Code of Conduct.
40+ years Our experience in providing
Invoice Finance means you
can be confident in dealing
with one of the UK’s leading
finance providers. Our
relationship managers
have expertise in all types
of businesses.
What can we fund?
Funding is available for key
growth assets, such as:
• New and used vehicles
• Construction equipment
• Engineering machinery
• Medical equipment
• Farm equipment
BACKING YOUR AMBITION
LENDING AND WORKING CAPITAL SOLUTIONS – ASSET FINANCE
In addition to a traditional business overdraft, we also offer Hire Purchase and Leasing solutions
to help you invest in equipment, machinery and vehicles in an efficient and affordable manner.
Product Key Features
Hire Purchase
Hire Purchase should be considered if you don’t want to pay upfront for the
full ownership of an asset.
Spread the cost over a term, you can utilise essential equipment without
the initial cost.
A one-off payment fee at the end of the term is required to transfer
ownership to you.
Finance Lease
A Financial Lease will allow you to benefit from the immediate use of a new
asset without the upfront costs and ownership of the asset.
Rental payments on an agreed term allow you to utilise a new asset for the
time you require it.
A fast efficient, phone-based service or a dedicated relationship manager for businesses
with a large turnover.
A speedy response within 24 hours to funding requests for Hire Purchase.
Specialist sector support including construction, engineering, manufacturing, plant hire,
printing, transport, business services and professional practices.
Competitive interest rates.
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BACKING YOUR AMBITION
INTERNATIONALLY – OUR GLOBAL CONNECTIONS
COVERING 100 COUNTRIES
Countries
20
28
30
14
8
100
Continent
Africa
Americas
Asia
Europe
Middle East
Local Network Banks
Standard Bank, Standard Chartered and local regional banks
Scotiabank and local regional banks
ANZ, ICICI and Standard Chartered
Crédit Agricole and local regional banks
Leading local banks
OUR OFFERING
Extensive global connections through arrangements with key network banks.
In-country expertise and specialist knowledge of the local legislative environments.
Comprehensive guarantee solutions delivered with our key network banks.
Indicative and competitive up front pricing, with individual quotes provided upon request.
SUPPORTING INTERNATIONAL TRADE – EFFICIENT BANK SOLUTIONS
13
Our products and services are designed to make international trade as smooth as possible.
Information
Our online solutions
provide information and
fingertip control:
Lloyds Online
Trade Services – view,
monitor and manage
your trade activity.
Arena – our
comprehensive
e-solution combining
foreign exchange and
money markets trading
with economic insight.
TravelLink – order
currency online for
secure delivery to
any UK based office.
Security
To help you trade more
securely internationally,
our services include:
Urgent and non-urgent
payment mechanisms.
Documentary credits
or collections.
Bonds and Guarantee
services.
Single European
Payment Area (SEPA)
Direct Debits.
100% of transactions
are processed in the
UK
Efficiency
International accounts:
Euro accounts for
businesses trading
in Euros.
Foreign currency
accounts for
businesses making
transactions
in foreign currencies.
Currency loans for
trading internationally.
Partnership In March 2015 Lloyds Bank was
the first UK Bank to enter into a
strategic partnership with UK
Trade and Investment (UKTI).
This two year partnership will
help UK businesses to export
and to attract inward
investment into the UK.
Its aim is to help UK exports
reach £1trn by 2020.
It will increase the number of
businesses helped by Lloyds
Bank to trade internationally to
75,000 by 2017.
It is supporting efforts to double
the UK’s stock of foreign
investment by 2020.
14
OUR INTERNATIONAL PRODUCT CAPABILITIES – OVERVIEW
A simple and cost-effective way to enable payments between key
network banks.
Key capabilities to keep your international trade running smoothly.
Documentary
Collections
Letters
of Credit
Bonds &
Guarantees
Foreign Exchange
(FX) Services
To support you to deal confidently with your suppliers or your buyers,
secure in the knowledge that payment will be made if the transaction
is carried out according to the terms, and is crucially supported by
a bank guarantee of payment.
To support your ability to perform under a contract or meet payment
obligations. They may also be used to underpin any bid to win new
business.
A good way to help manage exchange rate risks and can be tailored
to your specific needs.
To help you to improve your credit management and free up cash flow
to support business growth.
A comprehensive range of finance solutions to help fund your working
capital, whether buying or selling.
Invoice
Financing
Trade
Finance
To support your trade needs
WORKING
CAPITAL
MANAGEMENT
RISK
MANAGEMENT
Stage 2.
Tailor financial solutions to meet your needs
Through building the timeline, we can provide
bespoke trade solutions for your needs in both
risk management and working capital.
Stage 2 Stage 1
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TAILORED TRADE SOLUTIONS – EXAMPLE
Putting your needs first, our specialist teams will work with partner networks and use expert trade
knowledge to deliver the right banking solutions.
-30 0 30 45 100
Tendering
Contract Signed
Goods Shipped
Supplier Paid
Goods Arrive
Invoice Sent
Invoice Paid
Letters of Credit
Trade Finance
Invoice
Financing
Letters of Credit
Bonds & Guarantees
Commercial
events and
timelines
Improve
Working
Capital
Mitigate
Risk
Client needs Tailored solutions
Stage 1.
Initial assessment to understand your needs
By conducting an initial timeline assessment, we
get a full understanding of the critical commercial
and geographic events in your trade cycle.
60 70
Documentary
Collections
Documentary Collections
Illustrative purposes only
Foreign Exchange (FX) Services
16
SUPPORTING YOUR INTERNATIONAL NEEDS – ARENA
I need market insight to help inform my decision-making
I want to make the most of Term Deposits
With Arena, you can place Term Deposits in a range of currencies.
Real-time rates are available for differing amounts and tenors to help you decide the
best time to place your deposit.
I need to transact Foreign Exchange quickly and confidently
Make the most of Lloyds Banking Group’s liquidity, power and size in the global markets
by transacting Foreign Exchange with Arena.
Real-time charts of live, streaming rates and historical market data give you a clear view
of exchange rate volatility, helping you to decide the best time to trade.
Rate alerts allow you to be notified when the market reaches your desired level.
Our research team specialises in understanding and interpreting macro trends in the UK
economy and their implications on the financial market.
In addition to our economic research, our relationship with a major news agency delivers
breaking news from around the globe straight to your desktop.
Arena combines
Foreign Exchange and Term
Deposits with insight, analysis
and reporting - all in a single,
customisable interface.
Whether you want a view of
the whole market or just the
fine detail that’s important to
your business, Arena puts
you in control.
For more information visit:
lloydsbankarena.com
1 in 28 new vehicle registrations
through Lex Autolease in 2014.*
VEHICLE FLEET MANAGEMENT AND FUNDING – LEX AUTOLEASE
17
The UK’s leading fleet management and funding specialist, helping you meet the challenges of
running your vehicles
Sale and Leaseback
Sell your current vehicles
to Lex Autolease, which
they then lease back to
you.
This helps you release
valuable capital for your
business to use
elsewhere.
It also removes the
associated risk, servicing
and maintenance of
vehicle ownership, saving
your business time and
costs.
Budget more effectively
by agreeing a fixed
monthly cost.
VAT efficient solutions
for most businesses.
Optional maintenance
facility for hassle-free
vehicle management.
Free up your working
capital facilities to use
elsewhere within your
business.
Contract Hire
Save time with reduced
administration.
Cost savings through
competitive prices and the
best resale prices achieved
at the end of the contract.
Better Management
Information (MI) control
through detailed reports
identifying fleet running
costs.
‘Driveaway’ vehicles:
readily available vans
with optional racking.
Commercial Vehicle Team
15+ major awards won in the last ten years for sustainability, customer service and skill development, highlighting our commitment to excellence.
307,000 cars and vans under management as at August 2015.
*1 in 28 registrations based on total Lex Autolease car and light commercial vehicle registrations and total UK car and light commercial vehicle registrations published
by the Society of Motor Manufacturers and Traders, January to December 2014. Lex Autolease is part of Lloyds Banking Group.
DEPOSITS
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Safe and flexible business savings and term deposit accounts.
Flexible Base Rate Tracker Deposits
Our partial withdrawal fixed term account gives you the fixed interest rate benefit of a 12 month term,
with the knowledge that, during the term, you can access 20% of your funds if you need to. If funds aren’t
needed immediately, our 32 day notice account offers a highly competitive mix of liquidity and returns.
Fixed Term Deposits
Our fixed term accounts enable you to choose an investment period that meets your needs and allow
you to earn a fixed rate for the whole period with complete peace of mind that your funds are safe.
Notice Accounts
For funds that aren’t needed immediately, our notice accounts offer competitive terms.
Instant Access Deposit Accounts
If you have a fast moving cash flow, our instant access account helps you make the most of your day
to day surpluses.
Layering
Our liquidity specialists can suggest strategies to layer your deposit funds and ensure
they create the maximum yields for you, while still allowing regular access to funds.
We have a dedicated Liquidity Solutions
team whose focus is on building
longstanding relationships with you and
your relationship team to support a
range of liquidity management solutions:
Risk management: including
developing bespoke liquidity
management strategies.
Structuring guidance: optimising
liquidity and yield through cash flow
analysis for your business.
Market updates: pricing trends and
regular market updates to ensure
your business is kept abreast of key
developments.
Liquidity Specialists
ONLINE BANKING
A range of flexible, powerful and convenient ways to manage your money online.
19
Online for Business
Putting you in control of your finances and giving
you time to concentrate on what is important to
your business.
Benefits include:
A secure service.
Access statements and transfer money instantly.
Manage international payments, standing
orders and Direct Debits.
Set payment limits or allow multiple authorisations.
Mobile App
Secure access to manage your business accounts
on the go via our banking app*.
Benefits include:
Easy to use platform allowing for ease of
checking balances and making payments.
Secure log-in and an online fraud guarantee.
Online for Business registration is required.
Commercial Banking Online
If your business needs access to a broader range of
online banking services and payment types,
Commercial Banking Online will meet your needs.
Benefits include:
Full domestic and international payment services.
Give your management team access to online
banking while remaining in complete control over
what they can see and do.
Customise your online banking screens to display
and group all accounts as required.
Maximise working capital efficiency with flexible
balance reporting and payment functionality.
Use advanced reporting capability to assist with
consistent financial management across all your
business accounts.
Clear statements available in multiple formats,
compatible with most accounting platforms.
Multi-layered fraud detection and prevention
technology.
24/7
Access to your company
accounts 24/7**, allowing
you to manage your
account securely whenever
and wherever you want.
* We don’t charge you for Mobile
Banking but your mobile operator
may charge you for certain services
such as downloading or using the
app, so please check with them.
Our app requires iOS 7.0 or above,
or Android 4.1 or above. Services
may be affected by phone signal
and functionality. Use of Mobile
Banking is subject to our Online for
Business Terms and Conditions.
** Occasionally we may need to
carry out essential maintenance,
resulting in some interruption to
service.
LLOYDS BANK CARD SERVICES
20 Cardnet® is a registered trademark of Lloyds Bank plc.
Cardnet® is our merchant service solution designed
to make it easy for you to accept card payments,
whether you are getting started or switching
provider.
One of the UK’s leading card processors.
Accelerated settlement options via Faster
Payments.
Solutions that suit the way you trade: face-to-
face, online or on the telephone.
Reporting tools to support reconciliation and
visibility.
Support teams based in the UK.
Commercial Cards Cardnet
Access to our Commercial Cards and Specialist Card
Solutions provide you with key business benefits
supporting working capital and effective management of
business spend:
Convenient - Flexible - Control
Receive detailed statements to monitor spending.
Manage individual cardholder limits and revolve
balance on Business Credit Cards.
Online access via internet banking.
Up to 45 days interest free credit on Sterling
transactions.
Balances paid in full by Direct Debit.
Unlimited number of cardholders.
Worldwide acceptance.
Keep business expenses separate.
Automatically reclaim VAT with our MultiPay Card.
21
PRIVATE BANKING
WEALTH MANAGEMENT
We provide a range of life, pensions and
investment solutions for personal
financial planning. These are aimed at
supporting clients in their long-term
financial planning.
PROTECT
We can help you develop a plan that
seeks to provide financial support should
the unexpected happen.
PRIVATE BANKING
We can support eligible clients with their
personal financial planning needs. Our
advisors can provide access to a range of
products and services across banking,
investment management, deposits,
mortgages*, unsecured lending*, estate
administration and tax services.
SPECIALIST SERVICES
Financial advice where required, to help you
manage your personal financial goals.
MANAGE
Keep track of your personal finances
alongside your business finances.
PERSONAL
Service from a Private Banking and
Advice Manager who works closely with
you to understand your needs and develop
a personalised plan to help you meet your
short and long-term financial goals.
Supporting your personal financial wellbeing alongside your business finances.
To take advantage of our Private Banking service, you’ll need to have at least £100,000 in savings and investments or a sole annual income of at least £100,000. Eligibility criteria
may apply for certain services and products through Private Banking; these will be fully discussed along with any fees or costs which may be applicable. Before any services or
products are provided to you we will explain what advice we can give and what products and services this covers, and any advice or product charges that apply and agree these
with you. *Lending is subject to status and application. Security may be required. Your home may be repossessed if you do not keep up repayments on your mortgage.
PROTECTING YOUR BUSINESS – BUSINESS INSURANCE
22
Keeping your insurance programme aligned to your current business activities helps ensure you continue to have the
protection you need. We work alongside one of the largest insurance brokers Arthur J. Gallagher to support your
requirements.
Who are Arthur J. Gallagher?
One of the UK's leading
commercial retail insurance
brokers, arranging insurance for
most sizes and types of business.
Team of property experts
supported by a UK branch network
with the ability to offer a local
service.
Have access to a wide range
of leading insurers.
Conduct a technical audit on
your existing programme, ensuring
peace of mind that your assets
are protected adequately and
competitively priced.
Offer the ability to place cover at
short notice, utilising competitive
internal market facilities.
What they do:
A tailored service offering, based
upon your individual requirements
and circumstances.
With face to face technical and
specialist advice supported by
a risk management team.
Offering an integrated claims
proposition.
How they work:
MOVING TO LLOYDS BANK
We have a dedicated team to support you every step of the way
when opening a new commercial bank account.
23
4: Review
A member of our team will be in touch to advise you that your account is live
and will ensure you have everything you need.
3: Implementation
We will confirm your account details. A member of our team will contact
you to set up internet and telephone banking.
2: Activation
A pack will be sent to you containing the information we have gathered and
suitable arrangements will be made with you to provide any further
documentation required.
1: Preparation
We will contact you at a convenient time to gather relevant information.
A DEDICATED
ACCOUNT SWITCHING TEAM
AND NAMED CONTACT
You will be provided with
a named contact and a direct line to
our dedicated team,
who will stay in touch with you to
ensure that everything goes
smoothly whilst your account
is being set up.
BUILDING BUSINESS RESILIENCE
24
SUPPORT FOR SMEs
Our website features information on business resilience,
the circular economy and the benefits of being a
sustainable business.
Use our policy writing guide and example templates
to prepare for contracts that require an environmental
or Corporate Social Responsibility (CSR) policy.
We will continue to develop our relationship managers’
knowledge on sustainability and share this knowledge
with our clients.
Sustainability and resilience are major considerations for businesses today. We are offering support to help
you become more resilient by identifying the potential risks and opportunities within your business.
Lloyds Bank fully understands the importance of
sustainability to businesses today and that’s why we have
made a commitment to support 10,000 SMEs to become
more resilient by planning and taking action on
sustainability by 2020. Use the tool to help you identify
opportunities to manage
resources in a sustainable way
and drive down costs. The tool
incorporates:
Easy ways to save money.
Managing fuel, energy and
transport.
Reducing water consumption.
Waste management.
Employee engagement.
Supply chain management.
Free Sustainability
Planning Tool Download posters, created with
the Energy Saving Trust, to drive
behaviour change within your
business. Six designs available.
Free Posters
For more information and to download the posters, visit:
lloydsbank.com/sustainability
BACKING YOUR AMBITION RESPONSIBLY
25
£22m to be raised by 2020 through our charity of
the year to those in need in the local community.
1,800 mentors to be trained to support SMEs and
social entrepreneurs by 2017 through the
Business Finance Taskforce accredited
scheme. Meanwhile, we have supported over
900 SME businesses and 750 social
entrepreneurs through these schemes.
Lloyds Banking Group includes companies using brands including Lloyds Bank, Halifax and Bank of Scotland and their associated companies.
More information on Lloyds Banking Group can be found at lloydsbankinggroup.com
We are committed to a 7-point Helping
Britain Prosper Plan, supported by over
20 measurable metrics. These include:
For more information about our Helping Britain Prosper
Plan, please visit
lloydsbankinggroup.com/prosperplan
BBC Children in Need share the same goal as Lloyds Banking Group in
supporting communities across the UK and will be our Charity of the Year for 2015
and 2016. Colleagues will fundraise together with customers to ensure that
children and young people can have a safe, happy and secure childhood and the
chance to reach their potential.
£4m £10m 25,979
Invested in financial
and management
training since 2010.
Colleagues spent a day helping
local charities and community
organisations in 2015.
Over £4 million raised
so far for our Charity
of the Year BBC Children
in Need.
26 26
BACKING YOUR AMBITION
WITH AN AWARD WINNING SERVICE
YEARS
FDs’ Excellence Awards supported by Real Business.
For more information, visit lloydsbank.com/bankoftheyear
BEST BANK (UK) 2013 – 15 Lloyds Banking Group was voted Best Bank (UK) in 2013,
2014, 2015 at the Euromoney Awards for Excellence.
BUSINESS BANK OF THE YEAR
2005 – 2016
We have been voted Business Bank of the Year at the
FDs’ Excellence Awards for the 12th year consecutively.
IMPORTANT INFORMATION
This presentation is for information purposes only. It is intended as a summary only and whilst it contains some information about the potential risks and benefits
of various products and services it should not of itself form the basis for any investment decision. Whilst Lloyds Bank plc has exercised reasonable care in
preparing this presentation and any views or information expressed or presented are based on sources it believes to be accurate and reliable, no representation or
warranty, express or implied, is made as to the accuracy, reliability or completeness of the information with other information which you have received from us,
you should refer this to your Lloyds Bank relationship team for clarification.
If you have a hearing or speech impairment you can use Text Relay (previously Typetalk) or if you would prefer to use a Textphone, please feel free to call us on
0345 601 6909 (lines open 7am-8pm Monday-Friday and 9am-2pm Saturday).
Calls may be monitored or recorded in case we need to check we have carried out your instructions correctly and to help improve our quality of service.
Please note any data sent via email is not secure and could be read by others.
Lloyds Bank plc registered Office: 25 Gresham Street, London EC2V 7HN. Registered in England and Wales no. 2065. Telephone 0207 626 1500.
Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Registration
Number 119278. We subscribe to The Lending Code; copies of the Code can be obtained from lendingstandardsboard.org.uk
Eligible deposits with us are protected by the Financial Services Compensation Scheme (FSCS). We are covered by the Financial Ombudsman Service (FOS).
Please note that due to FSCS and FOS eligibility criteria not all Business customers will be covered.
Invoice Finance, Asset Finance, Asset Based Lending and Debtor Protection facilities are provided by Lloyds Bank Commercial Finance. Payroll Finance facilities
are provided by Cash Friday. Lloyds Bank Commercial Finance and Cash Friday are trading names of Lloyds Bank Commercial Finance Ltd. Registered office:
No.1, Brookhill Way, Banbury OX16 3EL. Registered in England and Wales no.733011. Lloyds Bank Commercial Finance Limited is part of Lloyds Banking Group
and is authorised and regulated by the Financial Conduct Authority for activities relating to certain types of consumer credit which are regulated under the
Consumer Credit Act 1974 and by the Financial Services and Markets Act 2000. We are not deposit takers and are not regulated by the Prudential Regulation
Authority. The provision of credit or leasing services by us is subject to your meeting our Credit approval. Please ensure that you only apply for credit or leasing
services that you can comfortably afford.
Lloyds Bank Private Banking Limited. Registered Office: 25 Gresham Street, London EC2V 7HN. Registered in England and Wales No. 2019697. Authorised by
the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under number 122626.
Lloyds Bank plc is an introducer to Arthur J. Gallagher Insurance Brokers Limited who arrange and administer Lloyds Bank Business Insurance Services
and source products from a panel of insurers.
Introductions will be made to selected companies within Lloyds Banking Group. Lloyds Banking Group includes companies using brands
including Lloyds Bank, Halifax and Bank of Scotland and their associated companies. More information on Lloyds Banking Group can be found at
lloydsbankinggroup.com
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