Lloyds TSB Group plc was renamed Lloyds Banking Group plc on 19 January 2009, following the acquisition of HBOS plc 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 Serving over thirty million people means we have a clear role to play in society; through helping our customers everyday