-2.5-2.5 -1.2-1.2

+2.1+2.1+4.8+4.8

-27.9-27.9

-60.9-60.9

% change in total spending% change in total spending

by age since September 2020by age since September 2020

16-25years

26-40years

41-60years

61-80years

80+years

-7.16-7.16

-0.77-0.77

-4.47-4.47

-10.14-10.14 -9.94-9.94

Sep Oct Nov Dec Jan Feb-20

-15

-10

-5

0

5

-1.86-1.86 -3.39-3.39 +3.00+3.00 -3.60-3.60 -16.63-16.63 -13.08-13.08

% age of our customers

receiving Universal Credit

19.6

5.6

30.9

43.9

•16-25 years (19.6) •26-40 years (43.9)

•41-60 years (30.9) •60+ years (5.6)16-25years

26-40years

41-60years

61-80years

80+years

LBG000292

Here’s how the spending habits of Lloyds Banking Group’s 43,666 personal banking customers in Inverness, Nairn, Badenoch and Strathspey have changed over the course of the coronavirus crisis:

% change in total spending by category since March 2020

Loans

Mortgages

Rent

Food & Drink

Fuel

Commuting

% change in total spending by age since September 2020

£1,800This was 0.2% more than in the same period in 2019/2020

Over the course of the pandemic (March 2020 – February 2021) your constituents’ average earnings (calculated from payments made into their personal banking account) were:

2,164of our customers are receiving Universal Credit

% change in total spending (September 2020 – February 2021) Constituency UK

% age of our customers receiving Universal Credit

Find out more information about how we’re helping Britain through the coronavirus crisis on our website www.lloydsbankinggroup.com

As the country’s largest retail and commercial bank and insurance provider, we recognise our responsibility to stand by our customers, colleagues and communities over the course of the pandemic. Our scale means we have a relationship with three out of four households in your constituency, and plenty of data to help you better understand your constituents. To support your work we’ve pulled together some information about how people and businesses in Inverness, Nairn, Badenoch and Strathspey have been responding to the coronavirus crisis.

INVERNESS, NAIRN, BADENOCH AND STRATHSPEYSCOTLAND

LBG000292

How we’ve supported businesses over the course of the pandemic:

Over the course of the pandemic, we have provided lending through the Government backed CBILS and BBLS schemes to

601of these businesses

We bank

3,850 businesses in your constituency

Here’s some more information aboutInverness, Nairn, Badenoch and Strathspey:

58of your constituents are Lloyds Banking Group employees

The average deposit paid was

£56,422which was 7.45% higher than in February 2020

In February 2021 the average house price in your constituency was

£197,500This was 7.68% higher than in February 2020

We’ve helped

6,264people gain access to financial services by providing basic bank accounts

In Inverness, Nairn, Badenoch and Strathspey the Lloyds Bank Foundation awarded

£25,100to Mikeysline

Since 2013 we’ve helped

1086households to move through the Help to Buy Equity Loan scheme, the Government backed affordable home ownership initiative

We’ve lent an average of

£131,731to

536first time buyers to help secure their first home

INVERNESS, NAIRN, BADENOCH AND STRATHSPEYSCOTLAND

The public affairs team at Lloyds Banking Group is here to help you and your team help your constituents. We are on hand to:

Keep you informed about what we’re doing to support your constituents through this time of economic uncertainty.

Hear your concerns and make sure they are understood by our senior leaders and local management teams.

Introduce you to Lloyds Banking Group leaders in your area who can tell you more about what’s going on in your constituency.

Arrange for you to meet some of the small and medium sized business employers in your area who bank with us.

We would be glad to hear from you. Your local public affairs manager is Neil Moore, you can reach him at: Neil.Moore@lloydsbanking.com

LBG000292

How we’ve supported businesses over the course of the pandemic:

Over the course of the pandemic, we have provided lending through the Government backed CBILS and BBLS schemes to

601of these businesses

We bank

3,850 businesses in your constituency

Here’s some more information aboutInverness, Nairn, Badenoch and Strathspey:

58of your constituents are Lloyds Banking Group employees

The average deposit paid was

£56,422which was 7.45% higher than in February 2020

In February 2021 the average house price in your constituency was

£197,500This was 7.68% higher than in February 2020

We’ve helped

6,264people gain access to financial services by providing basic bank accounts

In Inverness, Nairn, Badenoch and Strathspey the Bank of Scotland Foundation awarded

£25,100to Mikeysline

Since 2013 we’ve helped

1,086households to move through the Help to Buy Equity Loan scheme, the Government backed affordable home ownership initiative

We’ve lent an average of

£131,731to

536first time buyers to help secure their first home