Lloyds Banking Group is a retail and commercial bank. The Company operates through three segments: Retail, Commercial Banking, and Insurance and Wealth. The Retail segment offers a range of financial service products, including deposits, mortgages, motor finance, and unsecured consumer lending products to personal and small business customers. The Commercial Banking segment provides lending, transactional banking, working capital management, risk management, term lending, and debt capital markets services. The Insurance and Wealth segment offers insurance products, investments, and wealth management products and services. It also provides credit cards, and personal and business loans.