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It's both deepening our relationships with our existing customers and innovating to bring our brilliant products to get to our customers through our intermediaries. What needs to change for the group to focus on growth?Ĭharlie: So in summary, there are four opportunities for growing Lloyds Banking Group. And I know there's lots of nervousness in our customers so just thinking through that, how do you respond to that question and say that we've done the most we can to prepare to support our customers.Ĭarla: So I'm going to pick up on a word that you mentioned a couple of times, growth. Now, I think we've done a lot to prepare to help serve our customers and support our customers over the next 6 and 9 and 12 months.īut there's just huge uncertainty about what's going to happen. And this theme of growth is something we're really excited about helping our customers access more of our great products in a more simple and personalised way.Īnd then finding areas within the UK consumer and business segments where we can grow Lloyds Banking Group and then the third and fourth themes all around focus, focus on efficiency and creating the opportunity to recycle our resources for that growth.Īnd then finally, most important for all of us is how do we build the right organisation, culture and then talent, technology and data to enable that strategy?Īnd one of the things we're announcing today is a significant investment over and above our run rate investment to enable us to do that.Ĭarla: Tell us what was the toughest question you've had so far in preparing for this announcement?Ĭharlie: I think probably the hardest one has been around the cost of living, and the impacts we see for our customers. The second thing is a growth mindset and a pivot towards growth. But one of the things we're doing in this strategy is we really want to make being purpose led integral to everything we're doing.Īnd you're going to see that our purpose around Helping Britain Prosper is started to be woven in, in a very detailed way to all of the strategies and the commercial outcomes we're committing to. The first is we've always been a fantastic organisation in terms of having a strong purpose and being the leading financial services group in the UK. So there's a few key priorities we are laying out today. So tell us a little bit more now as we go into our new strategy, what are the areas that you think you would like the Group to take in terms of our new focus and new opportunities? I'm excited that we're going to get to a position when we can start to share all of our priorities with all of our colleagues for Lloyds Banking Group going forwards. But I have to say the primary thing I've got is I'm just excited. How does it feel now that you're finally here launching it and revealing the new strategy?Ĭharlie: Well, as you say, it's been a busy few months, few weeks since I've joined.

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If you have not yet received your voucher code by the end of September, please let us know using the link below.Carla: It's just over six months since you joined us as CEO but longer than that since you knew you were coming to the Group.

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P lease find further information regarding the Lloyds student bank account, plus free TOTUM membership, on the Lloyds website here:

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Once you have your voucher code please follow the attached user guide showing how to redeem your voucher code. Cards also need to be claimed in three consecutive years of study.

Please note: Emails are sent to the email address you registered with us when you ordered your first free card. Providing you still hold your Student Account and you applied for your first/second free TOTUM card by 31st December in the previous academic year, we will send you an email inviting you to renew your card for a second or third and final time. Your voucher code will be valid until 31 December 2022 but the sooner you order your free TOTUM card the sooner you’ll be able to start saving! TOTUM will send you a unique voucher code by email for you to order your first free card, you can expect to receive this by the end of September. To qualify for a free TOTUM card you need to open your Lloyds Bank Student Account by 31 October 2022. Voucher code for the 1st year of your TOTUM membership Solution home Join TOTUM Eligibility How do I claim my free card with my Lloyds Bank account?

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