Lloyds Banking Group Plc is a financial services company, which engages in the provision of banking and financial services. The firm provides a range of banking and financial services that is focused primarily on retail and commercial customers. The company operates through three segments: Retail, Commercial Banking, and Insurance, Pensions and Investments. The Retail segment offers a range of financial services products to personal customers, including current accounts, savings, mortgages, credit cards, unsecured loans, motor finance and leasing solutions. The Commercial Banking segment serves small and medium businesses, as well as corporate and institutional clients, providing lending, transactional banking, working capital management, debt financing and risk management services. The Insurance, Pensions and Investments segment offers insurance, investment and wealth management products and services. The Company’s products and services are offered through brands, including Lloyds Bank, Halifax, Bank of Scotland and Scottish Widows.