1. Lloyds Banking Group is committed to helping businesses of all types and sizes,
giving them the funding and support they need to grow at home and abroad.
We have set out our pledges in our Helping Britain Prosper Plan
HELPING UK
BUSINESSES AT
HOME AND ABROAD
• We bank over 80% of the FTSE 100,
with offices across Europe, North America
and Asia to help strengthen investment
into the UK.
• Our recently opened office in
Singapore serves as a gateway for UK
clients operating in the key trade hubs of
Asia and Australia.
• We are working closely with UKTI
to support the UK’s export ambitions.
We provide insight and introductions for
businesses looking at overseas markets.
• In 2015 we arranged over £11.3
billion of financing to support UK
infrastructure and energy projects,
including the Thames Tideway Tunnel
which is expected to create 9,000 jobs.
• We launched a second £250 million
bond in 2015 for Environmental,
Social and Governance (ESG) projects,
supporting 1,145 SMEs across 19
different sectors.
SUPPORTING
BRITISH
BUSINESSES
February 2016
2015 IN NUMBERS
5%YEAR-ON-YEAR NET
GROWTH IN LENDING
TO SMEs
£1.4bnIN FUNDING SUPPORT
TO THE MANUFACTURING
SECTOR
103,000START-UPS SUPPORTED
£11.3bnOF FINANCING FOR
UK INFRASTRUCTURE
PROJECTS
28,000JOBS PROTECTED
THROUGH OUR BUSINESS
SUPPORT UNIT
OUR LENDING
• In 2015 we increased our net lending to SMEs by
5 per cent year-on-year, outperforming the market.
• Since the start of 2011, we have grown our
lending to SMEs by 25% net whilst the market has
contracted by 13%.
OUR SUPPORT
ACROSS SECTORS
• Lloyds Banking Group and the UK Government
launched the Housing Growth Partnership
in 2015, which will see small house builders benefit
from a £100 million equity fund. The partnership
expects to make around 50 investments, which
will deliver an additional 2,000 homes.
• Hundreds of farmers have accessed our
£500 million Farmer’s Fund which we set up to
help them after the recent floods and delays to
their EU subsidies
• Our Business Support Unit (BSU) is continuing
to help businesses in financial difficulties. In 2015
it helped more than 1,500 businesses onto
a sounder financial footing and protected
over 28,000 jobs.
• In 2015 we supported the social housing sector
by raising £1.6 billion through new lending and
capital markets.

2. DIGITAL
INVESTMENT
• We have continued to invest
in digital technology to help
simplify our processes for
businesses.
• We are piloting a new online
banking platform, Commercial
Banking Online, which will help
businesses to carry out their
day-to-day transactions.
• We have recruited over
11,000 Digital Champions
against our 2017 target of
20,000.
• We are working with the
Government and Go ON UK, the
Digital Skills charity to improve
digital skills for individuals and
small businesses. Our Lloyds
Bank Business Digital Index 2015
showed that a quarter of SMEs
lack basic digital skills.
• We have launched a range of
free online toolkits from finding
a business idea to building a
website, which are available to
anyone at lloydsbank.com/
businesshelp
OUR FINANCIAL
SUPPORT FOR
SMALL BUSINESSES
• We have teams across the
country with local expertise and
sector knowledge from
professional services to
healthcare and agriculture.
• Our most senior managers can
make decisions locally and renew
loans up to £1 million or approve
new lending of up to £500,000
to existing customers at their
own discretion.
• We approve eight out of
ten loan and overdraft requests
– a rate which has been
independently verified and
remains in line with our long
term average.
• We offer 18 months’ free day
to-day banking for start-ups.
• We have been leading the
Business Finance Taskforce
mentoring initiative and now
have more than 450 mentors
across the UK - more than any
other bank. We have helped to
mentor over 1,000 businesses
since 2011.
• Our private equity division,
Lloyds Development Capital
(LDC), plays a crucial role in
MANUFACTURING
• We recognise the fundamental role that
manufacturing plays in rebalancing the UK
economy. In 2013 we made a commitment of
£1 billion in funding support each year until
2017 to the sector. For the third year running we
have exceeded this pledge by providing £1.43
billion in funding support.
• In 2015 we opened the Lloyds Bank
Advanced Manufacturing Training Centre in
Coventry. The Bank is contributing an
investment of £5 million over five years to help
address the skills gap in the sector and help
improve UK productivity and competitiveness.
• Over 300 of our managers have completed
an intensive manufacturing training programme
with the University of Warwick Manufacturing
Group (WMG) to help our staff build their
knowledge of the sector even further.
Our customers value our improved
understanding of the sector.
supporting SMEs and has
invested £1 billion in UK-based
businesses over the past three
years with plans to invest a
further £1.2 billion over the next
three years.
• We are committed to providing
alternative sources of finance for
our customers; including asset
based lending, trade finance
and community finance. Our
£5 million partnership with
Greater London Enterprise helps
micro businesses access finance
across the Capital. Since the
launch of this Fund in April 2014,
129 micro businesses have
accessed over £2.5 million,
creating or protecting over
360 jobs.
• Through the Government’s
Funding for Lending Scheme we
have grown our SME lending by
£3.6 billion since April 2013,
more than more than any
participating bank.
• We have supported over 6,500
loans through the Enterprise
Finance Guarantee (EFG) Scheme
where the Government provides
a guarantee to the bank when a
client lacks the necessary security
for a normal loan, worth more
than £552 million.
INDUSTRY INSIGHT
AND ECONOMIC
EXPERTISE
• We understand the importance
of economic insight for small
businesses and are helping
inform their business decisions
with the launch of a new suite of
economic and market insight
reports designed specifically for
the small business audience.
Customers can sign up free of
charge at our economics and
market insight web pages.
• Our latest Business in Britain
report (January 2016) shows that
business confidence has fallen in
recent months but remains above
its long term average.
Global economic conditions
are causing concern in the short
term because companies see
weaker demand, both at home
and abroad, as a threat to
their business.