Lloyds Banking Group Plc is a financial services company, which provides a wide range of banking and financial services. It operates through the following segments: Retail, Commercial Banking and Insurance & Wealth. The Retail segment offers broad range of financial service products, including current accounts, savings, mortgages, motor finance and unsecured consumer lending to personal and small business customers. The Commercial Banking segment provides a range of products and services such as lending, transactional banking, working capital management, risk management and debt capital markets services to SMEs, corporates and financial institutions. The Insurance & Wealth segment includes insurance, investment and wealth management products and services. The company was founded by George Truett Tate on October 21, 1985 and is headquartered in London, the United Kingdom.