• Retail & consumer products

  • The retail sector, selling through shops, social media and the web, is subject to seasonal peaks and troughs as well as a vulnerable to changes in consumer confidence. Within this turbulent and highly competitive environment, there is added pressure for businesses to manage their working capital effectively.

    Our retail and consumer solutions can help you prosper whatever the economic environment. The knowledge we have built-up, and continue to develop, comes from our experience of working with retailers. We take the time to understand the specific issues you face and work with you to build a relationship that supports your ambitions. Getting the best guidance and the right products and services for your business means you can get it right.

  • Consumer, Travel and Leisure

    Consumer Services has global client coverage responsibility for major companies in the consumer industry segments of Retail and Travel Transport & Leisure. Additionally we also have strong relationships with the banks major Entrepreneurial clients.
    Each sector is covered by a dedicated team of industry experts responsible for providing advisory services and originating the Bank’s full range of products. Clients are diverse, ranging from the broad based multinationals to international clients and domestic UK businesses across a wide range of consumer touch points.

    We work very closely with key partners within the bank, as well as important external stakeholders in order to formulate new and innovative ideas, which ultimately help our clients achieve their strategic aims.

    Industry Profiles

    Retail is central to the UK economy, contributing around 5% to GDP, employing around 3 million people, and generating sales of around £340bn each year. Our team of Industry experts banks a range of clients across various sub-segments, and through the whole value chain, on a global scale. Our key clients involve supermarkets, department stores, fashion brands and wholesalers. These are incredibly exciting times within the Retail industry which is experiencing rapid technological change. The growth in internet retail is a new paradigm in the history of Retail and we are constantly looking for new ways to ensure our clients stay ahead of the game.
    Within our Travel and Leisure team we aim to build strong and lasting relationships with the holiday, passenger transport and entertainment companies. Like Retail, these industries are rapidly evolving using multi-channel approaches to sell their products and services to the end consumers. We work closely with our clients and product partners to help clients achieve their strategies, whilst fully recognising the challenges they face in times of uncertainty and when consumers reign in non-essential spending. Whatever the circumstances, we look to build relationships and business with our clients ‘through the cycle’.

    Our Proposition

    We offer a full spectrum of products to serve our clients across the globe. We make the most of our knowledge of changing consumer trends, technological improvements, and how to potentially connect with a large Lloyds Bank customer base, to support your business through the cycle in the most efficient way possible. We will work with you as you seek to grow within these ever-evolving industries.

  • Case studies

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Lloyds Bank plc Registered Office: 25 Gresham Street, London EC2V 7HN. Registered in England and Wales no. 2065. Telephone: 0207 626 1500.

Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Registration Number 119278.

Eligible deposits with us are protected by the Financial Services Compensation Scheme (FSCS). We are covered by the Financial Ombudsman Service (FOS). Please note that due to FSCS and FOS eligibility criteria not all business customers will be covered.