© 2016 Lloyds Banking Group plc and its subsidiariesConfidential

Internal Use Only

NICK WILLIAMS Managing Director, Consumer Digital

Lloyds Banking Group

© 2016 Lloyds Banking Group plc and its subsidiariesConfidential 2

“…carries the [genetic] instruction used in growth, development,

functioning and reproduction of all known living organisms

….and many viruses!”

Wikipedia definition…

© 2016 Lloyds Banking Group plc and its subsidiariesConfidential

Internal Use Only

Digital DNA…essential for everything

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1. Digital underpins the business strategy

2. Recognise colleagues are the foundation

3. Anticipate changing customer expectations

4. Responsible business

…Building the largest UK Bank’s Digital DNA

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PLAY VIDEO

© 2016 Lloyds Banking Group plc and its subsidiariesConfidential

Create the environment

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Innovation and agile culture across the Group

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Attracting, retaining and developing future talent

Apprenticeships Graduate Programme Digital Academy

© 2016 Lloyds Banking Group plc and its subsidiariesConfidential

Embracing diversity to reflect your customer base

2016 FINALIST SPECIALIST AWARD

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… Immediate

Intuitive…

… Beautiful

Contextual…

… Value-adding and relevant

Interactive…

Mobile…

Social…

… Simple

DIGITAL DNA

Customers’ expectations have changed

The benefits outweigh the risks…

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Designing for all customers

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Inspiring our colleagues to help communities and businesses

© 2016 Lloyds Banking Group plc and its subsidiariesConfidential

Thank You