Lloyds TSB Bank plc, Lloyds TSB Scotland plc and Bank of Scotland plc (members of Lloyds Banking Group), are authorised and regulated by the Financial Services Authority Lloyds TSB Group plc was renamed Lloyds Banking Group plc on 19 January 2009, following the acquisition of HBOS plc The creation of Lloyds Banking Group comes with a big responsibility While the short term outlook for all financial services companies in the UK and around the globe is challenging, we believe that the acquisition of HBOS will be a success and presents us with many opportunities