Lloyds Banking Group Plc is a financial services company, which engages in the provision of banking and financial services. It operates through the following segments: Retail, Commercial Banking, Insurance, Pensions and Investments, and Other. The Retail segment offers a broad range of financial service products, including current accounts, savings, mortgages, motor finance and unsecured consumer lending to personal, and small business customers. The Commercial Banking segment provides a range of products and services such as lending, transactional banking, working capital management, risk management and debt capital markets services to SMEs, corporates, and financial institutions. The Insurance Pensions and Investments segment focuses on the insurance, investment, and wealth management of products and services. The Other segment refers to income and expenditure not attributed to the group¿s financial reporting segments. The company was founded on October 21, 1985 and is headquartered in London, the United Kingdom.