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Lloyds Banking Group PLC (LYG.N)

LYG.N on New York Stock Exchange

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9 Dec 2016
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Summary

Name Age Since Current Position

Norman Blackwell

62 2014 Non-Executive Chairman of the Board

Antonio Horta-Osorio

52 2012 Group Chief Executive, Executive Director

Anita Frew

59 2014 Non-Executive Deputy Chairman of the Board

George Culmer

52 2013 Chief Financial Officer, Executive Director

Andrew Bester

51 2012 Chief Executive Officer - Commercial Banking

Antonio Lorenzo

2015 Interim Chief Executive, Scottish Widows and Interim Group Director, Insurance

Juan Colombas

2013 Chief Risk Officer, Executive Director

Karin Cook

Group Director - Operations

Simon Davies

2016 Chief People, Legal and Strategy Officer

Mary Hall

2014 Group Audit Director

Vim Maru

Group Director - Customer Products and Marketing

David Oldfield

Group Director - Operations and Consumer Finance

Miguel-Angel Rodriguez-Sola

2014 Group Director - Digital

Matthew Young

2011 Group Corporate Affairs Director

Malcolm Wood

2014 Company Secretary

Alan Dickinson

2014 Non-Executive Independent Director

Simon Henry

55 2014 Non-Executive Independent Director

Nicholas Luff

2013 Non-Executive Independent Director

Deborah McWhinney

56 2015 Non-Executive Independent Director

Nicholas Prettejohn

2014 Non-Executive Independent Director

Stuart Sinclair

62 2016 Non-Executive Independent Director

Anthony Watson

69 2012 Senior Non-Executive Independent Director

Sara Weller

53 2012 Non-Executive Independent Director

Douglas Radcliffe

2014 Interim Investor Relations

Biographies

Name Description

Norman Blackwell

Lord Norman Blackwell has been appointed as Non-Executive Chairman of the Board of Lloyds Banking Group Plc., effective April 3, 2014. He has deep financial services knowledge as well as extensive insurance, banking, regulatory and public policy experience gained from senior positions in a wide range of industries. His breadth of experience, credibility with key stakeholders and strong leadership qualities make him an effective Chairman. He was previously the Chairman of Scottish Widows Group, a former Senior Independent Director of Standard Life and also chaired their UK Life and Pensions Board. His other former Non-Executive Directorships have included Halma plc, Dixons Group and SEGRO. He was also a member of the Board of the Centre for Policy Studies, a Non-Executive Board Member of Ofcom and of the Office of Fair Trading, a Partner of McKinsey & Co. and a Director of Group Development at NatWest Group. He was Head of the Prime Minister’s Policy Unit from 1995 to 1997 and was appointed a Life Peer in 1997.

Antonio Horta-Osorio

Mr. Antonio Horta-Osorio is Group Chief Executive, Executive Director of Lloyds Banking Group Plc. He brings extensive experience in, and understanding of, both retail and commercial banking. This has been built over a period of more than 25 years, working both internationally as well as in the UK. António’s drive, enthusiasm and commitment to customers, along with his proven ability to build and lead strong management teams, brings significant value to all stakeholders of Lloyds Banking Group. Previously he worked for Goldman Sachs, Citibank and held various senior management positions at Grupo Santander before becoming its Executive Vice President. He was a Non-Executive Director of Santander UK and subsequently Chief Executive. He is also former Non- Executive Director of the Court of the Bank of England and Governor of the London Business School. External appointments: Non-Executive Director of EXOR S.p.A., Fundação Champalimaud and Sociedade Francisco Manuel dos Santos in Portugal, a member of the Board of Stichting INPAR and Chairman of the Wallace Collection.

Anita Frew

Ms. Anita M. Frew has been appointed as Non-Executive Deputy Chairman of the Board of Lloyds Banking Group PLC., Effective May 14, 2014. She has significant board, financial and general management experience across a range of sectors, including banking, asset management, manufacturing and utilities. Her extensive board level experience makes her an effective Deputy Chairman. Anita was Chairman of Victrex plc, having previously been its Senior Independent Director. She was also the Senior Independent Director of Aberdeen Asset Management and IMI plc, an Executive Director of Abbott Mead Vickers, Director of Corporate Development at WPP Group and a Non-Executive Director of Northumbrian Water. She has held various investment and marketing roles at Scottish Provident and the Royal Bank of Scotland.

George Culmer

Mr. George Culmer is Group Finance Director, Executive Director of Lloyds Banking Group plc. He is a chartered accountant with extensive operational and financial expertise including strategic and financial planning and control. He has worked in financial services in the UK and overseas for over 20 years. George was an Executive Director and Chief Financial Officer of RSA Insurance Group, the former Head of Capital Management of Zurich Financial Services and Chief Financial Officer of its UK operations as well as holding various senior management positions at Prudential. He is a Non-Executive Director of Scottish Widows.

Andrew Bester

Mr. Andrew Bester is Chief Executive Officer - Commercial Banking of Lloyds Banking Group PLC. He joined the Group in 2012 from Standard Chartered Bank where he held a variety of senior roles including Global COO and, later, Chief Financial Officer of Consumer Banking. Previously, Andrew worked at Xchanging Plc and Deutsche Bank. He trained as a Chartered Accountant. Andrew sits on the Board of the Global Financial Markets Association and the Advisory Board of the University of Cambridge Programme for Sustainability Leadership and is a member of The Prince of Wales’s UK Corporate Leaders’ Group. Andrew is Executive Sponsor for Inclusion & Diversity and the Group’s Ambassador’s programme.

Antonio Lorenzo

Mr. Antonio Lorenzo is Interim Chief Executive, Scottish Widows and Interim Group Director, Insurance of Lloyds Banking Group PLC. He joined the Group in 2011 as head of the Wealth and International division and Group Corporate Development, leading the Group’s strategic review and subsequent programme of reducing non-core assets and exiting international locations. From 2013, he assumed the role of Group Director, Consumer Finance & Group Corporate Development, leading the division’s growth strategy whilst completing the sale of TSB. In October 2015 he was appointed Interim Chief Executive, Scottish Widows and Group Director, Insurance. Antonio is also Group Executive Sponsor for Emerging Talent. Antonio joined the Group from Santander, where he had worked in a number of different leadership roles and jurisdictions since 1998. He was part of the management team that completed the take-over of Abbey National and Bradford & Bingley; and was Chief Financial Officer of Santander UK. Before Santander, Antonio spent over nine years at Arthur Andersen.

Juan Colombas

Mr. Juan Colombas is Chief Risk Officer, Executive Director of Lloyds Banking Group PLC., He has significant banking and risk management experience, having spent 30 years working in these fields both internationally and in the UK. Juan is responsible for developing the Group’s risk framework, recommending its risk appetite and ensuring that all risks generated by the business are measured, reviewed and monitored on an ongoing basis. He was previously the Chief Risk Officer and Executive Director of Santander’s UK business. Prior to this position, he held a number of senior risk, control and business management roles across the Corporate, Investment, Retail and Risk Divisions of the Santander Group. He has served as the Group’s Chief Risk Officer and as a member of the Group Executive Committee since January 2011. External appointments: Vice Chairman of the International Financial Risk Institute.

Karin Cook

Ms. Karin Cook is Group Director - Operations of the Company. She joined the Group in 2013 as Chief Operating Officer, Commercial Banking and became Group Director, Operations in 2015. Karin joined from HSBC where she was Global Chief Operating Officer for Private Banking from 2010 to 2013 and Global Head of OTC Derivative Operations for HSBC from 2004 to 2010. Prior to HSBC, Karin spent nine years at Morgan Stanley in London where she led a combined Finance and Operations team for Equity Derivatives after beginning her career at Goldman Sachs in Paris in 1990, where she worked in Futures Operations. Karin is a Non-Executive Director of Scottish Widows Ltd. She is also the Group’s Executive Sponsor for Sexual Orientation and Gender Identity.

Simon Davies

Mr. Simon Davies is Chief People, Legal and Strategy Officer of the Company. He joined the Group in 2016 from Linklaters LLP where he was Firmwide Managing Partner, a position he held from January 2008. Prior to this, Simon spent 12 years in Asia, specialising in M&A and securities advice, serving terms in each of Hong Kong and Tokyo and was Managing Partner for Asia from 2003-2007. He is a Solicitor of the High Court of the Hong Kong Special Administrative Region, as well as a Solicitor of the Senior Courts of England and Wales. Simon joined Linklaters in London in 1990, having studied at Emmanuel College, Cambridge. He is a trustee of the National Youth Theatre of Great Britain and a member of TheCityUK China Market Advisory Group.

Mary Hall

Ms. Mary Hall is an Group Audit Director of the company. She joined the Group in 2014 from KPMG Canada where she was a senior Financial Services Audit Partner having previously held various senior roles including Canadian Industry Leader for Financial Services, Canadian National Banking Sector Leader and Chair of KPMG’s Global New Banking Entrants Committee. Mary is a Chartered Accountant with over 25 years in the financial services industry. Since her appointment, Mary has defined a transformational vision for Group Audit, providing independent and fresh perspectives. Mary has a primary reporting line to the Chairman of the Audit Committee and a secondary reporting line to the Group Chief Executive. Mary sits on the advisory Board of the Forward Institute in the UK.

Vim Maru

Mr. Vim Maru is Group Director - Customer Products and Marketing of the company. He joined the Group in 2011. He has responsibility for Retail Customer Products and Group Marketing. Previously, Vim worked at Santander UK and Abbey National. He was appointed to our Group Executive Committee in 2013 and is a Non-Executive Director of Scottish Widows and a VISA Europe Board Director. Vim holds an Economics degree from the London School of Economics and is a member of the Institute of Chartered Accountants.

David Oldfield

Mr. David Oldfield Group Director - Operations and Consumer Finance of the company. He was appointed in June 2015 as Group Director for the Retail Division responsible for the largest retail banking network in the UK, serving around 30 million customers. Additionally, in February 2016, David assumed responsibility for the Consumer Finance Division. David started his career with Lloyds Bank 31 years ago on the graduate entrant programme and has held a number of key leadership roles across all Divisions of the Group since that time. Immediately prior to this role he was appointed to Group Executive Committee in May 2014 as Group Director, Operations. David is a Non-Executive Director for Motability Operations Plc and a Fellow of the Chartered Institute of Bankers. He is also Group Executive Sponsor for Disability.

Miguel-Angel Rodriguez-Sola

Mr. Miguel-Angel Rodriguez-Sola was appointed Group Director - Digital of Lloyds Banking Group PLC., in September 2013. He joined the Group in 2011 before which he held a variety of executive positions in the UK, USA and Spain for Santander. Prior to this, Miguel was a Partner at McKinsey where he worked for over 12 years. He assumed his current role in September 2013 having previously held the position of Group Strategy Director and Commercial Director of the Retail Division. Miguel holds a ‘Cum Laude’ degree in Business Administration from the University of Barcelona and an MBA from IESE Business School. He is a Board member of Go ON UK.

Matthew Young

Mr. Matthew Young is Group Corporate Affairs Director of Lloyds Banking Group PLC. He joined the Group as Corporate Affairs Director in 2011 as part of a new management team brought in to bring the bank back to health following the financial crisis and return it private ownership. Prior to Lloyds, he was Communications Director at Santander during a period when the bank made a successful entry into the UK market following the acquisition and subsequent rebranding of Abbey National, Alliance & Leicester, and Bradford & Bingley. Matt joined Santander from NatWest in 1999 where he held a number of senior communications roles. Matt has a degree in Political Science and a postgraduate certificate in Education. He is a Board member of the British Bankers Association, a member of the PR Guild, and a former trustee of the Prince of Wales sponsored charity, In Kind Direct.

Malcolm Wood

Mr. Malcolm J. Wood is Company Secretary of the company. Previously General Counsel and Company Secretary of Standard Life after a career as a corporate lawyer in private practice in London and Edinburgh. Previously General Counsel and Company Secretary of Standard Life after a career as a corporate lawyer in private practice in London and Edinburgh. He has a wealth of experience in governance, policy and regulation. He is a Fellow of the Institute of Chartered Secretaries and Administrators and a Member of the Chartered Institute for Securities and Investment and the GC100.

Alan Dickinson

Mr. Alan P. Dickinson has been appointed as Non-Executive Independent Director of the Company. effective September 8, 2014. He is a highly regarded retail and commercial banker having spent 37 years with the Royal Bank of Scotland, most notably as Chief Executive of RBS UK. Alan’s strategic focus and core banking experience complements the balance of skills on our Board. More recently, he was Chairman of Brown, Shipley & Co. Limited, a Non-Executive Director of Nationwide Building Society and Chairman of its Risk Committee and a Non-Executive Director of Carpetright plc.

Simon Henry

Mr. Simon Henry has been appointed as Non-Executive Independent Director of Lloyds Banking Group plc., with effect from 26 June 2014. He has deep international experience in board level strategy and execution. His extensive knowledge of financial markets, treasury and risk management and his qualification as an Audit Committee Financial Expert is of particular value in our Board Risk and Audit Committees. He was previously Shell’s Chief Financial Officer for Exploration & Production and prior to that Head of Group Investor Relations. External appointments: Chief Financial Officer and an Executive Director of Royal Dutch Shell plc with responsibility for Shell’s Finance, IT, Strategy and Planning functions. Chair of the European Round Table CFO Taskforce, Member of the Main Committee of the 100 Group of UK FTSE CFOs, the Advisory Panel of CIMA and of the Advisory Board of the Centre for European Reform.

Nicholas Luff

Mr. Nicholas Luff is Non-Executive Independent Director of Lloyds Banking Group PLC. He has significant financial experience in the UK listed environment having served in a number of senior finance positions within a range of sectors. His background and experience enables him to fulfil the role of Audit Committee Chair and, for SEC purposes, the role of Audit Committee Financial Expert. Nick was previously the Group Finance Director of Centrica plc, Finance Director of The Peninsular & Oriental Steam Navigation Company and Chief Financial Officer of P&O Princess Cruises plc. He previously served as a Non-Executive Director and was the Audit Committee Chair of QinetiQ Group plc.

Deborah McWhinney

Ms. Deborah Doyle McWhinney has been appointed as Non-Executive Independent Director of the Company, with effect from 1 December 2015. She has an extensive executive background in managing technology, operations and new digital innovations across banking, payments and institutional investment. She broadens the Board’s diversity from a global market perspective. Deborah is a former Chief Executive Officer, Global Enterprise Payments and President, Personal Banking and Wealth Management at Citibank. She was previously President of Institutional Services at Charles Schwab Corporation and held executive roles at Engage Media Services Group, Visa International and Bank of America, where she held senior roles in Consumer Banking. External appointments: Independent Director of Fluor Corporation and IHS Corporation, a Trustee of the California Institute of Technology and of the Institute for Defense Analyses.

Nicholas Prettejohn

Mr. Nicholas Prettejohn has been appointed as an Non-Executive Independent Director of Lloyds Banking Group PLC., effective June 23, 2014. He has significant financial services experience, particularly in insurance where he has served as Chief Executive of Lloyd’s of London and Prudential UK and Europe as well as Chairman of Brit Insurance. He has the knowledge and experience to provide valuable insight and contribute effectively as a Non-Executive Director and Member of the Audit Committee and Risk Committee. He is a former Non-Executive Director of the Prudential Regulation Authority and of Legal and General Plc as well as Chairman of the Financial Services Practitioner Panel. External appointments: Member of the BBC Trust, Chairman of the Britten-Pears Foundation and of the Royal Northern College of Music.

Stuart Sinclair

Mr. Stuart Sinclair has been appointed as Non-Executive Independent Director of the Company, with effect from 4 January 2016. He has extensive experience in retail banking and insurance and also brings to the Board wider experience in consumer finance and asset finance. He is a former Non-Executive Director of TSB Banking Group plc and TSB Bank plc. Stuart was previously a Non-Executive Director of LV Group, President and Chief Operating Officer of Aspen Insurance, held Chief Executive Officer roles at GE Capital’s Consumer Finance division both in the UK and China, and Director of UK Retail Banking then Chief Executive Officer of Tesco Personal Finance at Royal Bank of Scotland. He was also a Council Member of The Royal Institute for International Affairs. His early career included Managing Consultant at Braxton Associates and Partner at Mercer Managing Consultant (now Oliver Wyman). External appointments: Non-Executive Director and Chair of the Risk Committees at Provident Financial Plc, Vitality Life and Vitality Health. Senior Independent Director at QBE Insurance (Europe) Limited and Swinton Group Limited.

Anthony Watson

Mr. Anthony Watson, CBE is Senior Non-Executive Independent Director of Lloyds Banking Group PLC. He is our Senior Independent Director and with over 40 years of experience in the investment management industry and related sectors, he is well placed to carry out this role. His former positions include Chief Executive of Hermes Pensions Management and Chairman of the Asian Infrastructure Fund, MEPC, the Marks & Spencer Pension Trustees and of the Strategic Investment Board (Northern Ireland). He is also a former Member of the Financial Reporting Council, a Senior Independent Director of Hammerson and a Non-Executive Director of the Shareholder Executive and Vodafone Group. External appointments: Senior Independent Director of Witan Investment Trust, Chairman of the Lincoln’s Inn Investment Committee and a member of the Norges Bank Investment Management Corporate Governance Advisory Board.

Sara Weller

Ms. Sara V. Weller is Non-Executive Independent Director of Lloyds Banking Group PLC. With a background in retail and associated sectors, including financial services, Sara brings a broad perspective to the Board. She is a strong advocate of customers and of the application of new technology, both of which directly support Lloyds Banking Group’s strategy. Sara has considerable experience of boards at both executive and non-executive level. Her previous appointments include Managing Director of Argos, various senior positions at J Sainsbury including Deputy Managing Director, Lead Non-Executive Director at the Department of Communities and Local Government, a Non-Executive Director of Mitchells & Butler as well as a number of senior management roles for Abbey National and Mars Confectionery. External appointments: Non-Executive Director of United Utilities Group and Chair of their Remuneration Committee, a Governing Council Member of Cambridge University, Chairman of the Planning Inspectorate and Board member at the Higher Education Funding Council.

Douglas Radcliffe