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Public affairs and policy

We consider how legislation and regulation will affect our customers, colleagues and shareholders, advising the Government and regulators on the impact industry changes will have.

Our work in this area

As the bank of choice for 26 million people and businesses across a range of historic brands, Lloyds Banking Group touches nearly every community and household in the UK.

We are often approached by politicians and other policymakers to provide our views and help shape public policy.

We do that by engaging with elected representatives at every level, including Parliament, the devolved institutions and local government, as well as civil servants, regulators, trade associations and think tanks.

We do this in a way that is consistent with our values and that meets the expectations of society.

Public policy

We want to play our role in Helping Britain Prosper. Our thematic priorities are:

  • Providing access to good and sustainable housing.
  • Enabling the transition to net zero.
  • Accelerating regional development across the UK.
  • Building financial resilience and inclusion.
  • Being a leader in inclusion and diversity.

We provide politicians and policymakers with briefings on these topics and insights from our business. 

 

Constituency insight

We publish regular factsheets for all 650 UK parliamentary constituencies which provide information about our presence and activity in each constituency, economic statistics and details of our responsible business agenda in the local community.

Find your constituency factsheet

Group Ambassador Programme


Our Ambassadors are senior leaders from across the Group who represent us in all the nations and regions of the UK. Their role is to help us better understand the specific needs and interests of the places they represent and make sure we are doing what we can to support their nation or region.

They engage with politicians, business leaders, local authorities and charities – among others – to raise awareness about the Group’s activity in the nation or region, and to discuss how we can work together to help the communities and businesses of the UK prosper.

Tom Martin       

East

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Esther Dijkstra

South East

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London

Recruit-ment underway

 

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Jackie Leiper

Scotland

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Andrew Asaam

Midlands

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Wales

Recruit-ment underway

 

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Mark Burton

Yorkshire and The Humber

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Emily Cox

North

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Jenny Burnside

Northern Ireland

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Adam Rainey

South West

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Research, legislation and how we work with others

Research

We develop and commission research to inform public policy debates. This includes:

Drivers of growth: Universities’ enhanced civic role at the heart of national prosperity

Building futures: A new era of investment in social housing

Grounded in evidence: A way forward to British farms

Scottish Widows Retirement Report 2024

Working with nature: Integrating nature-based solutions across urban environments and landscapes

Trade associations

We are a member of various trade associations which seek to represent their members and shape the banking industry’s or financial services sector’s collective response to regulatory and public policy issues. The main associations in which we participate are listed below:

Agencies

We retain the services of a number public affairs agencies for the purposes of political monitoring and/or strategic advice.

The agencies we work with are members of the Public Relations and Communications Association (PRCA), and the services provided are recorded on the PRCA’s Public Affairs Register.

The activities of other organisations and agencies which provide strategic advice and lobbying are recorded by the Office of the Registrar of Consultant Lobbyists.

Political donations and expenditure

Political donations and expenditure are governed by legislation with which we and our employees must comply. It is our policy not to make political donations to, or campaign on behalf of, any political party in any country.

The Companies Act 2006 sets out what constitutes political donations and expenditure. The definitions are drawn widely and may cover activities that are an accepted part of engaging with our stakeholders but are not designed to support any political party or to influence public support for any political party. As such, at each Lloyds Banking Group Annual General Meeting we seek authority from shareholders to incur political expenditure up to a predetermined limit. This authority is a precautionary measure to ensure that we can continue to support our communities and put forward our views without inadvertently breaching the legislation.

The Lobbying (Scotland) Act 2016

The Act provides a definition of ‘regulated lobbying’ and requires that anyone who engages in regulated lobbying records details of their activities on the official Lobbying Register of the Scottish Parliament. The website of the Lobbying Register offers a searchable record of our entries.

Our 2025 highlights so far

What have we achieved in the past six months?

Video | 45 secs

Ever wondered what a bank can do in six months? Take a quick look behind the scenes and see what we've been up to.

Watch the highlights

40 years of our charitable Foundations

This year marks 40 years of our charitable Foundations, founded in 1985 to provide vital support to small and local charities across the UK and Channel Islands, helping to tackle disadvantage in the communities that need it most. Since then, we’ve donated more than £800 million and supported nearly 70,000 small charities.

Full year results

In February we published our 2024 annual report along with a robust set of financial results. We successfully completed the first phase of our strategic plan, going into 2025 well positioned for sustained growth and enhanced value creation for our shareholders.

A brand new look

Alongside full year results we also rolled out our new branding across our corporate website, the final stage of a comprehensive brand refresh which began with the customer-facing Lloyds brand in Autumn 2024. Our new identity focuses on a digital-first, experience-led approach and includes a modernised colour palette, logo and tone of voice. A different look, fit for the future. 

Retrofitting social homes

We partnered with Peabody on a £60 million loan agreement to retrofit thousands of social homes – the largest deal to date under the National Wealth Fund’s £1.3 billion social housing retrofit guarantee scheme.

The funding will enable Peabody to carry out energy efficiency upgrades such as the installation of heat pumps and solar panels, with the aim of delivering warmer, greener homes for social tenants while supporting the UK's broader net zero ambitions. 

LinkedIn top company to work for

This year we were ranked second in the LinkedIn Top Companies financial services list, identified as one of the best workplaces to grow your career in the finance sector. And we agree: with hubs across the UK and a fast-paced, dynamic environment with unlimited opportunities, you can fast-forward your career with us. 

Retirement insights

The 2025 Scottish Widows Retirement Report was published, offering a fresh perspective on the evolving retirement landscape in the UK. Now in its 21st year, the report provides a detailed analysis of people's financial aspirations and retirement plans, underscoring the importance of proactive retirement planning and financial empowerment.

In-app travel booking

We became the first UK bank to offer in-app travel booking, allowing customers to book flights and hotels worldwide through our mobile app. This ultra-convenient service offers a price guarantee for holidaymakers, and is the latest addition to our range of products and services that make travel more convenient for customers.

More than just a bank account

In May we launched Lloyds Premier, a new bank account bringing together the best in financial perks and premium lifestyle services for people with income or assets over £100,000. This launch is a strategically important milestone in our growth ambitions for affluent customers – a part of the market where we’ve historically been under-represented.

Forging ahead with AI

26 new AI use cases went live in the first half of the year, demonstrating how we’re putting AI technology into practice to improve colleague and customer experience. This includes the award-winning Large Language Model (LLM) enabled search function in our mobile app. With more planned for the rest of 2025 and beyond, we’re using AI to reimagine every area of our business. 

Supporting sustainable farming

We teamed up with Soil Association Exchange and Finance Earth to launch a £1 million sustainable farming fund called Exchange Market. It rewards farmers for prioritising environmental outcomes in their businesses, bridging the financial gap for food producers and advancing the sustainability of the sector.

City Walks

More than 2,500 Lloyds Banking Group colleagues have taken part in our City Walks challenge, stepping up to walk a total of 37,000 miles in cities across the UK. So far we've raised over £266,000 for our partner charities Crisis and Simon Community Northern Ireland, working to end homelessness for good.