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Lloyd's Banking Group plc., incorporated on October 21, 1985, provides Financial services to individual and business customers in the United Kingdom but also overseas. The company's business activities include retail and commercial banking, long-term savings, protection, and investment. The company offers services through various brands, including Lloyds Bank, Halifax, Bank of Scotland, and Scottish Widows, through a range of distribution channels in the United Kingdom and digital proposition. The company's segments include Retail, Commercial Banking, Consumer Finance and Insurance.