Introduction to Lloyds Bank's lending proposition from national head of SME real estate at lloyds Bank, Glen Wilson

1. BACKING YOUR AMBITION
Glen Wilson
UK Head of Property

2. LLOYDS BANK - HELPING BRITAIN PROSPER
Lloyds Banking Group has a profound interest in UK housing market
Our purpose
As the UK’s largest Retail and
Commercial Bank we have a
relationship with nearly every
home in the country and a lot
of businesses too.
We play a vital role in
supporting our customers, the
communities in which they
operate and the UK economy.

3. LLOYDS BANK – SUPPORT FOR THE HOUSING MARKET
Creation of LBG Commission on Housing in January 2015. “No one single solution to
what is a complex and multi-layered series of challenges. Nor is our country’s housing crisis
susceptible to simplistic short-term ‘fixes’. What is required, is a sustained programme which
will generate a much expanded supply of good quality homes available both to buy and to rent
from a range of sources, at costs that reflect the varying means of all sections of society.”
5%
Net Lending

4. LLOYDS BANK – BUILDING FOR GROWTH

5. LLOYDS BANK - BUILDING FOR GROWTH
• £19.2bn contribution to UK economy
• 25% forecast turnover growth
• Driven by demand, low mortgage rate, HTB, Stamp duty
• 36% achieved through expansion in current region
• Concerns – Economy, housing bubble
16%SME forecast
turnover growth
• 600,000 employed in the construction industry in 2014
• 100,268 new roles created before the end of 2016
• More than half of these opportunities (57,508) with SMEs
• 24% say a skills shortage is their biggest business challenge
31%SME skill shortage
• 2007 government target for 240,000 homes a year by 2016
• Home ownership has fallen for first time since 1951
• Optimism regarding ability to play a role in alleviating the
housing shortage varies by business size
• Largest operators (73 per cent) said they have the tools they
need to address the shortfall, only around half of SMEs
32%SME
Availability of finance

12. LLOYDS BANK – SUPPORT FOR THE HOUSING MARKET
LBG Commission on Housing
January 2015
5%
Net Lending