• BUSINESS LEADERS SUMMIT 2017

    The fifth annual Lloyds Bank Business Leaders Summit came at a time of great change and uncertainty. The events of the past year have highlighted just how difficult it is to predict the future and plan for what is coming around the corner.

    200 CEOs and CFOs from international and UK corporates, along with policymakers, regulators and academics, gathered to discuss the opportunities and challenges for business and how, collectively, to meet them.

    The event provided powerful insights on prospects for businesses that operate in the UK, on the economy and on strategies for greater prosperity in the new political and economic landscape.

    BUSINESS LEADERS SURVEY

    The Summit marked the release of the 2017 Lloyds Bank Business Leaders Survey where business leaders shared with us what is at the front of their minds. The Survey provides valuable insights into today's business challenges as well as the trends and issues shaping decision-making tomorrow.

    Download the 2017 survey
    Download the 2016 survey

    BUSINESS LEADERS HUB

    We invite you to read, watch, download and share the highlights from the presentations and discussions at our previous Summits.

    Find out more



    Business Leaders Summit Agenda 2017

    7:30am Registration & Breakfast
    8:00am

    Introduction
    Clare Francis, MD, Head of Global Corporates, Lloyds Bank

    Global Economic View
    Dr Gerard Lyons, Independent Economist

    Britain’s Future as a Trading Nation
    The Rt Hon Dr Liam Fox MP, Secretary of State for International Trade and President of the Board of Trade

    Building a Global Britain
    • Warren East CBE, Chief Executive, Rolls-Royce
    • Lord Blackwell, Chairman, Lloyds Banking Group
    • Kamal Ahmed, Economics Editor, BBC News
    • Paul Drechsler CBE, President, CBI

    Geopolitical & Cyber Risk
    Paddy McGuinness, CMG OBE, Deputy National Security Adviser (Intelligence, Security & Resilience)

    10:20am Break

    Capital, Liquidity & Risk: What’s Next?
    • Andrew Bester, Group Director & CEO, Commercial Banking, Lloyds Bank
    • James Garvey, MD, Head of Commercial Banking Markets, Lloyds Bank
    • Nick Burge, MD, Head of Global Corporates Structural & Regulatory Solutions, Lloyds Bank
    • John Feeney, MD, Global Head of Commercial Real Estate, Lloyds Bank

    Building a Stronger Britain
    • Sir Terry Morgan CBE, Chairman, Crossrail
    • Leo Quinn, Chief Executive, Balfour Beatty
    • Simon Beresford-Wylie, Chief Executive Officer, Arqiva
    • Robert Noel, Chief Executive, Land Securities

    Supporting Britain’s Prosperity Globally
    The Rt Hon George Osborne CH MP

    Closing Remarks
    António Horta-Osório, Executive Director and Group Chief Executive, Lloyds Banking Group

    12:30pm Lunch
    The Summit was moderated by Naga Munchetty, Journalist and Broadcaster

    Speakers at the Business Leaders Summit 2017

    Clare Francis
    Managing Director, Head of Global Corporates, Lloyds Bank
    Dr Gerard Lyons
    Independent Economist
    The Rt Hon Dr Liam Fox MP, Secretary of State for International Trade and President of the Board of Trade
    Warren East CBE
    Chief Executive, Rolls-Royce
    Lord Blackwell
    Chairman, Lloyds Banking Group

    Clare Francis
    Managing Director, Head of Global Corporates, Lloyds Bank Commercial Banking

    Biography
    Clare has over 25 years of experience in advising clients across all aspects of risk and financing. She joined Lloyds Bank in 2006 as Managing Director of Sales, responsible for distributing financial market products internationally to clients. Clare began her banking career with NatWest before studying business management at London Business School. She later joined HSBC, holding many global positions in the UK, Asia and the US – in risk, retail, IT, marketing, operations, trading and sales. Clare is a board member of the Association for Financial Markets in Europe (AFME), a board member of British America Business (BAB) and a member of TheCityUK’s Cyber Taskforce. She is also a member of the Chartered Institute of Bankers (ACIB), and holds FCA qualifications.

    x

    Dr Gerard Lyons
    Independent Economist

    Biography
    Dr Lyons is an expert on the global economy, financial markets and monetary policy. He is a Board Member of Bank of China (UK), Chief Economic Strategist and shareholder at online discretionary wealth manager Netwealth Investments, advisor to financial consultants Parker Fitzgerald and Chief Economic Advisor to think tank Policy Exchange. He also advises on a project at the Centre for Social Justice addressing low UK productivity. From January 2013 to May 2016 he was in a non-political role of Chief Economic Advisor to Boris Johnson, the Mayor of London. Previously he spent 27 years in senior roles in the City at Chase Manhattan, Swiss Bank Corporation, DKB International and Standard Chartered Bank.

    x

    The Rt Hon Dr Liam Fox MP
    Secretary of State for International Trade and President of the Board of Trade

    Biography
    Liam Fox was appointed Secretary of State for International Trade on 13 July 2016. He is the Conservative MP for North Somerset. As the Secretary of State for International Trade and President of the Board of Trade he is responsible for the work of the Department for International Trade, including developing, co-ordinating and delivering a new trade and investment policy to promote UK business across the globe; developing and negotiating free trade agreements and market access deals with non-EU countries; negotiating plurilateral trade deals (focused on specific sectors or products) and providing operational support for exports and facilitating inward and outward investment.

    x

    Warren East CBE
    Chief Executive, Rolls-Royce

    Biography
    Warren became Chief Executive of Rolls-Royce in July 2015, the year after he had been appointed a Non-Executive Director. A Chartered Engineer, educated at Oxford and Cranfield Universities, he is also a Non-Executive Director of Dyson Limited. Warren is a Fellow of the Institute of Engineering and Technology, a Fellow of the Royal Academy of Engineering and a Distinguished Fellow of the BCS (The Chartered Institute for IT). While CEO of ARM Holdings from 2001 to 2013, Warren was twice named in the list of the world's best 30 CEOs published by Barron’s. He was also named Business Leader of the year at the 2007 National Business Awards. Warren was made a CBE in the 2014 New Year Honours list.

    x

    Lord Blackwell
    Chairman, Lloyds Banking Group

    Biography
    Lord Blackwell has extensive insurance, banking, regulatory and public policy experience gained from senior positions in a wide range of industries. He joined the Board of Lloyds Banking Group as a Non-Executive Director in 2012 and became chairman in 2014. Lord Blackwell was previously the Chairman of Scottish Widows Group and Interserve and a Non-Executive Director of Halma. Other past roles have included Senior Independent Director of Standard Life, Non-Executive Director of Dixons Group and SEGRO, member of the Board of the Centre for Policy Studies and a Non-Executive Board Member of Ofcom and the Office of Fair Trading. From 1995 to 1997, Lord Blackwell was Head of the Prime Minister’s Policy Unit and he was appointed a Life Peer in 1997.

    x
    Kamal Ahmed
    Economics Editor, BBC News
    Paul Drechsler CBE
    President, CBI
    Paddy McGuinness
    CMG OBE, Deputy National Security Adviser (Intelligence, Security & Resilience)
    Andrew Bester
    Group Director & CEO, Commercial Banking, Lloyds Bank
    James Garvey
    Managing Director, Head of CB Markets, Lloyds Bank

    Kamal Ahmed
    Economics Editor, BBC News

    Biography
    Kamal joined the BBC in 2014 as business editor and was promoted to the role of economics editor in December 2015, replacing Robert Peston. He previously spent four and a half years as business editor of the Sunday Telegraph's award-winning team, also helping to launch the Telegraph's annual festival of business for small and medium sized enterprises. Between 2007 and 2009, Kamal was Group Director, Communications, at the Equality and Human Rights Commission. Prior to that, he worked at The Observer as head of news and earlier as the Sunday newspaper’s political editor. Kamal also worked at The Guardian, in roles including Royal Correspondent and Media Editor, and at Scotland on Sunday, where he was deputy news editor.

    x

    Paul Drechsler CBE
    President, CBI

    Biography
    Paul is currently Chairman of Liverpool-based Bibby Line Group and was previously Chief Executive of the construction firm Wates Group from 2006 until 2014. Prior to joining Wates, Paul worked for ICI in a range of roles. He spent the first decade of his career on Teesside, before living in Brazil, the US and the Netherlands as he fulfilled various senior positions. This period concluded with five years as Chief Executive of one of ICI’s principal international businesses and as a Main Board Director (1998-2003). Paul is also Chairman of the board of the charity Teach First and a board member of Business in the Community, as well as Chairman of its Education Leadership Team.

    x

    Paddy McGuinness
    CMG OBE, Deputy National Security Adviser (Intelligence, Security & Resilience)

    Biography
    Paddy McGuinness is the British Deputy National Security Advisor responsible for Intelligence, Security and Resilience since January 2014. A career Foreign Service officer he has held leadership positions covering Counter Terrorism (2006-8), aspects of Cyber (2008-10) and the Middle East, Iran, Counter Proliferation and Africa (2008-10). He has served overseas in Yemen (1988-91), UAE (1994-96), Egypt (1996-1999) and Italy (2003-06). He was awarded the OBE in 1997 and the CMG in 2014. Paddy studied History at Oxford University.

    x

    Andrew Bester
    Group Director & CEO, Commercial Banking, Lloyds Bank

    Biography
    Andrew was appointed in 2012 and is responsible for implementing and executing Lloyds Bank’s strategy for serving its business clients, ranging from SMEs to global corporates and financial institutions. He has worked across three continents during 22 years in financial services. Andrew previously worked for Standard Chartered, most recently as Global COO within Consumer Banking having earlier been Chief Financial Officer. His earlier career included working for Deutsche Bank in Europe and as Group Finance Director for Xchanging, a leading European outsourcing firm. Andrew is the Chairman of Lloyds Development Capital, sits on the Board of the Global Financial Markets Association and is an Advisory Board member of The University of Cambridge Programme for Sustainability Leadership.

    x

    James Garvey
    Managing Director, Head of Commercial Banking Markets, Lloyds Bank

    Biography
    James was appointed Head of Commercial Banking Markets in November 2016 and prior to that was Head of Capital Markets at Lloyds Bank since 2009. James’ business works in partnership with relationship management and other product teams to deliver financing and risk management solutions to Lloyds Bank clients. In this capacity he is responsible for Loan and Bond financing, traded markets in FX, Interest Rates and Credit, alongside Corporate and FI Sales. He has over 28 years of experience in financial services, having led international teams in debt and equity businesses across a number of institutions including Citi, West LB, UBS and latterly Goldman Sachs, where he was made partner in 2005. Outside of Lloyds Bank, James has a keen interest in the charity sector and is a Trustee of In Kind Direct, as well as the Lloyds Bank Foundation for England and Wales.

    x
    Nick Burge
    Managing Director, Head of Global Corporates Structural & Regulatory Solutions, Lloyds Bank
    John Feeney
    Managing Director and Global Head of Commercial Real Estate, Lloyds Bank
    Sir Terry Morgan CBE
    Chairman, Crossrail
    Leo Quinn
    Chief Executive, Balfour Beatty
    Simon Beresford-Wylie
    Chief Executive Officer, Arqiva

    Nick Burge
    Managing Director, Head of Global Corporates Structural & Regulatory Solutions, Lloyds Bank

    Biography
    Nick leads strategy and solutions for global corporate clients across regulatory & structural change and liquidity. Prior to that he ran the Strategic Liquidity team in Financial Markets, working with global corporate clients on overall liquidity needs and the impact of regulatory change. He has been with Lloyds Bank for ten years, in a variety of roles, managing Derivative and FX sales teams, covering both corporate and institutional clients. Nick has over twenty five years’ experience in banking in both sales and trading roles previously at Nomura, III Global and Bank of America. He is Chair of AFME’s CMU Steering Group and a member of AFME’s Growth Committee.

    x

    John Feeney
    Managing Director and Global Head of Commercial Real Estate, Lloyds Bank

    Biography
    John oversees all aspects of Lloyds Bank’s commercial real estate client coverage, managing regional, specialist and international teams. Previously, he managed the real estate debt business at Henderson Global Investors following seven years at Bank of America Merrill Lynch, where he set up real estate businesses in Europe and Asia. Early in his career he spent time at the Barclays Group, establishing in-house securitisation programmes before rating a variety of structured products at Fitch Ratings. John holds the Chartered Financial Analyst (CFA) accreditation and is a member of the Policy Committee of the British Property Federation. In 2016 he launched a £1bn Green Lending Initiative that leads the market in providing incentives for sustainable investment.

    x

    Sir Terry Morgan CBE
    Chairman, Crossrail

    Biography
    Sir Terry has been the Chairman of Crossrail since June 2009 and was previously Chief Executive of Tube Lines, a PPP company that was contracted to maintain and upgrade the infrastructure of the Jubilee, Northern and Piccadilly lines. He has also worked at BAE Systems as Group Managing Director, Operations, and Group HR Director and at Rover Group as Managing Director (Land Rover) and Operations Director. Sir Terry is a past President of the CMI (Chartered Management Institute) and a Fellow of the Royal Academy of Engineering and the Institute of Electrical Engineers. He is Chairman of the engineering and environmental consultancy Ricardo, Chairman of HS2 College Governing Body and past Non-Executive Chairman of the Manufacturing Technology Centre.

    x

    Leo Quinn
    Chief Executive, Balfour Beatty

    Biography
    Leo was appointed to the Board of Balfour Beatty as Group Chief Executive in January 2015, returning to the company where he started his career as a civil engineer. He joined the Group following five years as Group Chief Executive of QinetiQ Group and five years as CEO of De La Rue. Leo led both companies through transformations that created over £1bn of value in each. He also worked with Honeywell Inc. for 16 years in senior roles across the US, UK, Europe, the Middle East and Africa. In 2013, Leo founded ‘The 5% Club’, which encourages companies to invest in the next generation with the aspiration that at least 5% of employees will be apprentices, interns or graduates in formal training programmes.

    x

    Simon Beresford-Wylie
    Chief Executive Officer, Arqiva

    Biography
    Simon has more than 20 years’ experience of executive leadership in the global technology and telecoms sector. He joined Arqiva, a UK-focused communications infrastructure and media services company in 2015, following nearly two years in South Korea as Executive Vice President, Samsung Networks. Prior to that, he was CEO of UK-based Digital Mobile Spectrum Limited (DMSL), also known as at800. Simon also led Elster Group, a German-based provider of smart metering solutions, through a successful listing on the New York Stock Exchange. He was the founding CEO of Nokia Siemens Networks and a member of the Nokia Group Executive Board. He has lived and worked in Australia, India, Singapore, South Korea, Germany, Finland and the UK.

    x
    Robert Noel
    Chief Executive, Land Securities
    The Rt Hon George Osborne CH MP
    António Horta-Osório
    Executive Director and Group Chief Executive, Lloyds Banking Group
    Naga Munchetty
    Journalist and Broadcaster

    Robert Noel
    Chief Executive, Land Securities

    Biography
    Robert has 30 years’ experience in a number of sectors within the property market and extensive knowledge of the London commercial property market in particular. He was appointed to the Land Securities Board in January 2010 as Managing Director, London Portfolio, and became Chief Executive in April 2012.

    Robert was a director of property services group Nelson Bakewell from 1992 to 2002 when he joined Great Portland Estates, the FTSE 250 REIT, as part of a new management team. He was appointed to the company’s Board in August 2002. Robert is a Trustee of the Natural History Museum and a member of the Boards of the British Property Federation (BPF) and European Public Real Estate Association (EPRA).

    x

    The Rt Hon George Osborne CH MP

    Biography
    George has been the Conservative MP for Tatton, Cheshire, since June 2001. On his appointment as Chancellor of the Exchequer in May 2010, he was the youngest holder of the position since Randolph Churchill in 1886. George served as Chancellor until 2016 - one of the longest periods anyone has held the office. Following the Conservative victory in the 2015 General Election, he served as First Secretary of State. As a prominent campaigner for Britain to remain in the EU, George left the government in July 2016 following the referendum. Earlier in his career, he served as Shadow Chancellor for five years and ran David Cameron's successful campaign to become Leader of the Conservative Party. In August 2016, Her Majesty the Queen made George a Companion of Honour.

    x

    António Horta-Osório
    Executive Director and Group Chief Executive, Lloyds Banking Group

    Biography
    António has extensive experience in, and understanding of, both retail and commercial banking, built over a career spanning more than 25 years. He was appointed Group Chief Executive in March 2011. His drive, enthusiasm and commitment to customers, along with his proven ability to build and lead strong management teams, brings significant value to all stakeholders. António has a Degree in Management & Business Administration from the Universidade Católica Portuguesa, an MBA from INSEAD and has completed the Advanced Management Program at Harvard Business School. He was Chief Executive of Santander UK from 2006 to 2010 and previously worked for Goldman Sachs and Citibank. António is a Non-Executive Director of EXOR S.p.A., Fundação Champalimaud and Sociedade Francisco Manuel dos Santos in Portugal, a member of the Board of Stichting INPAR and Chairman of the Wallace Collection.

    x

    Naga Munchetty
    Journalist and Broadcaster

    Biography
    Naga is a financial journalist who presents BBC Breakfast and BBC Newsnight. She worked on the City pages of the Evening Standard and wrote for The Observer business section before turning to television. Naga began reporting for Reuters Financial Television, going on to work for CNBC Europe as a senior producer and for Channel 4 News as a business producer and reporter. As a senior presenter for Bloomberg Television, she guided viewers through the start of the credit crunch, the collapse of Northern Rock and the global economic downturn - she also regularly interviewed central bankers, chief executives and other high-profile industry figures. Naga ran the 2013 London Marathon, rode 100km for "Ride the Night" in 2015 and last year was one of the judges for the Baileys Women's Prize for Fiction.

    x
    • INTRODUCTION

      The Summit focused on
      Helping Britain Prosper Globally.
      FIND OUT MORE

      BUSINESS LEADERS SUMMIT 2017

      The fifth annual Lloyds Bank Business Leaders Summit came at a time of great change and uncertainty. The events of the past year have highlighted just how difficult it is to predict the future and plan for what is coming around the corner.

      200 CEOs and CFOs from international and UK corporates, along with policymakers, regulators and academics, gathered to discuss the opportunities and challenges for business and how, collectively, to meet them.

      The event provided powerful insights on prospects for businesses that operate in the UK, on the economy and on strategies for greater prosperity in the new political and economic landscape.

      BUSINESS LEADERS SURVEY

      The Summit will mark the release of the 2017 Lloyds Bank Business Leaders Survey in which business leaders have shared with us what is at the front of their minds. It provides valuable insights into today's business challenges as well as the trends and issues shaping decision-making tomorrow.

      Download the 2017 white paper
      Download the 2016 white paper

      BUSINESS LEADERS HUB

      We invite you to read, watch, download and share the highlights from the presentations and discussions at our previous Summits.

      Find out more

    • PROGRAMME

      The Summit agenda and topics. FIND OUT MORE

      Business Leaders Summit 2017 Agenda

      7:30am Registration & Breakfast
      8:00am

      Introduction
      Clare Francis, MD, Head of Global Corporates, Lloyds Bank

      Global Economic View
      Dr Gerard Lyons, Independent Economist

      Britain’s Future as a Trading Nation
      The Rt Hon Dr Liam Fox MP, Secretary of State for International Trade and President of the Board of Trade

      Building a Global Britain
      • Warren East CBE, Chief Executive, Rolls-Royce
      • Lord Blackwell, Chairman, Lloyds Banking Group
      • Kamal Ahmed, Economics Editor, BBC News
      • Paul Drechsler CBE, President, CBI

      Geopolitical & Cyber Risk
      Paddy McGuinness, CMG OBE, Deputy National Security Adviser (Intelligence, Security & Resilience)

      10:20am Break

      Capital, Liquidity & Risk: What’s Next?
      • Andrew Bester, Group Director & CEO, Commercial Banking, Lloyds Bank
      • James Garvey, MD, Head of Commercial Banking Markets, Lloyds Bank
      • Nick Burge, MD, Head of Global Corporates Structural & Regulatory Solutions, Lloyds Bank
      • John Feeney, MD, Global Head of Commercial Real Estate, Lloyds Bank

      Building a Stronger Britain
      • Sir Terry Morgan CBE, Chairman, Crossrail
      • Leo Quinn, Chief Executive, Balfour Beatty
      • Simon Beresford-Wylie, Chief Executive Officer, Arqiva
      • Robert Noel, Chief Executive, Land Securities

      Supporting Britain’s Prosperity Globally
      The Rt Hon George Osborne CH MP

      Closing Remarks
      António Horta-Osório, Executive Director and Group Chief Executive, Lloyds Banking Group

      12:30pm Lunch
      The Summit was moderated by Naga Munchetty, Journalist and Broadcaster
    • SPEAKERS

      View our speaker profiles. FIND OUT MORE

      Speakers at the Business Leaders Summit 2017

      Clare Francis
      Managing Director, Head of Global Corporates, Lloyds Bank
      Dr Gerard Lyons
      Independent Economist
      The Rt Hon Dr Liam Fox MP, Secretary of State for International Trade and President of the Board of Trade
      Warren East CBE
      Chief Executive, Rolls-Royce
      Lord Blackwell
      Chairman, Lloyds Banking Group
      Kamal Ahmed
      Economics Editor, BBC News
      Paul Drechsler CBE
      President, CBI
      Paddy McGuinness
      CMG OBE, Deputy National Security Adviser (Intelligence, Security & Resilience)
      Andrew Bester
      Group Director & CEO, Commercial Banking, Lloyds Bank
      James Garvey
      Managing Director, Head of CB Markets, Lloyds Bank
      Nick Burge
      Managing Director, Head of Global Corporates Structural & Regulatory Solutions, Lloyds Bank
      John Feeney
      Managing Director and Global Head of Commercial Real Estate, Lloyds Bank
      Sir Terry Morgan CBE
      Chairman, Crossrail
      Leo Quinn
      Chief Executive, Balfour Beatty
      Simon Beresford-Wylie
      Chief Executive Officer, Arqiva
      Robert Noel
      Chief Executive, Land Securities
      The Rt Hon George Osborne CH MP
      António Horta-Osório
      Executive Director and Group Chief Executive, Lloyds Banking Group
      Naga Munchetty
      Journalist and Broadcaster

      Clare Francis
      Managing Director, Head of Global Corporates, Lloyds Bank

      Biography
      Clare has over 25 years of experience in advising clients across all aspects of risk and financing. She joined Lloyds Bank in 2006 as Managing Director of Sales, responsible for distributing financial market products internationally to clients. Clare began her banking career with NatWest before studying business management at London Business School. She later joined HSBC, holding many global positions in the UK, Asia and the US – in risk, retail, IT, marketing, operations, trading and sales. Clare is a board member of the Association for Financial Markets in Europe (AFME), a board member of British America Business (BAB) and a member of TheCityUK’s Cyber Taskforce. She is also a member of the Chartered Institute of Bankers (ACIB), and holds FCA qualifications.

      x

      Dr Gerard Lyons
      Independent Economist

      Biography
      Dr Lyons is the former Chief Economist and Group Head of Global Research at Standard Chartered Bank. He also advised on local, national and international economic issues for Boris Johnson whilst he was Mayor of London. Dr Lyons is now responsible for wealth management company Netwealth’s macroeconomic outlook and strategy. He also serves as Economic Advisor at the Policy Exchange think-tank and the Official Monetary and Financial Institutions Forum, and as a Director at the Bank of China. His first book, 'The Consolations of Economics', was a Daily Telegraph Book of the Year and in 2016 he was a key voice within the Economists for Brexit group he co-founded.

      x

      The Rt Hon Dr Liam Fox MP,
      Secretary of State for International Trade and President of the Board of Trade

      Biography
      Liam Fox was appointed Secretary of State for International Trade on 13 July 2016. He is the Conservative MP for North Somerset. As the Secretary of State for International Trade and President of the Board of Trade he is responsible for the work of the Department for International Trade, including developing, co-ordinating and delivering a new trade and investment policy to promote UK business across the globe; developing and negotiating free trade agreements and market access deals with non-EU countries; negotiating plurilateral trade deals (focused on specific sectors or products) and providing operational support for exports and facilitating inward and outward investment.

      x

      Warren East CBE
      Chief Executive, Rolls-Royce

      Biography
      Warren became Chief Executive of Rolls-Royce in July 2015, the year after he had been appointed a Non-Executive Director. A Chartered Engineer, educated at Oxford and Cranfield Universities, he is also a Non-Executive Director of Dyson Limited. Warren is a Fellow of the Institute of Engineering and Technology, a Fellow of the Royal Academy of Engineering and a Distinguished Fellow of the BCS (The Chartered Institute for IT). While CEO of ARM Holdings from 2001 to 2013, Warren was twice named in the list of the world's best 30 CEOs published by Barron’s. He was also named Business Leader of the year at the 2007 National Business Awards. Warren was made a CBE in the 2014 New Year Honours list.

      x

      Lord Blackwell
      Chairman, Lloyds Banking Group

      Biography
      Lord Blackwell has extensive insurance, banking, regulatory and public policy experience gained from senior positions in a wide range of industries. He joined the Board of Lloyds Banking Group as a Non-Executive Director in 2012 and became chairman in 2014. Lord Blackwell was previously the Chairman of Scottish Widows Group and Interserve and a Non-Executive Director of Halma. Other past roles have included Senior Independent Director of Standard Life, Non-Executive Director of Dixons Group and SEGRO, member of the Board of the Centre for Policy Studies and a Non-Executive Board Member of Ofcom and the Office of Fair Trading. From 1995 to 1997, Lord Blackwell was Head of the Prime Minister’s Policy Unit and he was appointed a Life Peer in 1997.

      x

      Kamal Ahmed
      Economics Editor, BBC News

      Biography
      Kamal joined the BBC in 2014 as business editor and was promoted to the role of economics editor in December 2015, replacing Robert Peston. He previously spent four and a half years as business editor of the Sunday Telegraph's award-winning team, also helping to launch the Telegraph's annual festival of business for small and medium sized enterprises. Between 2007 and 2009, Kamal was Group Director, Communications, at the Equality and Human Rights Commission. Prior to that, he worked at The Observer as head of news and earlier as the Sunday newspaper’s political editor. Kamal also worked at The Guardian, in roles including Royal Correspondent and Media Editor, and at Scotland on Sunday, where he was deputy news editor.

      x

      Paul Drechsler CBE
      President, CBI

      Biography
      Paul is currently Chairman of Liverpool-based Bibby Line Group and was previously Chief Executive of the construction firm Wates Group from 2006 until 2014. Prior to joining Wates, Paul worked for ICI in a range of roles. He spent the first decade of his career on Teesside, before living in Brazil, the US and the Netherlands as he fulfilled various senior positions. This period concluded with five years as Chief Executive of one of ICI’s principal international businesses and as a Main Board Director (1998-2003). Paul is also Chairman of the board of the charity Teach First and a board member of Business in the Community, as well as Chairman of its Education Leadership Team.

      x

      Paddy McGuinness
      CMG OBE, Deputy National Security Adviser (Intelligence, Security & Resilience)

      Biography
      Paddy McGuinness is the British Deputy National Security Advisor responsible for Intelligence, Security and Resilience since January 2014. A career Foreign Service officer he has held leadership positions covering Counter Terrorism (2006-8), aspects of Cyber (2008-10) and the Middle East, Iran, Counter Proliferation and Africa (2008-10). He has served overseas in Yemen (1988-91), UAE (1994-96), Egypt (1996-1999) and Italy (2003-06). He was awarded the OBE in 1997 and the CMG in 2014. Paddy studied History at Oxford University.

      x

      Andrew Bester
      Group Director & CEO, Commercial Banking, Lloyds Bank

      Biography
      Andrew was appointed in 2012 and is responsible for implementing and executing Lloyds Bank’s strategy for serving its business clients, ranging from SMEs to global corporates and financial institutions. He has worked across three continents during 22 years in financial services. Andrew previously worked for Standard Chartered, most recently as Global COO within Consumer Banking having earlier been Chief Financial Officer. His earlier career included working for Deutsche Bank in Europe and as Group Finance Director for Xchanging, a leading European outsourcing firm. Andrew is the Chairman of Lloyds Development Capital, sits on the Board of the Global Financial Markets Association and is an Advisory Board member of The University of Cambridge Programme for Sustainability Leadership.

      x

      James Garvey
      Managing Director, Head of CB Markets, Lloyds Bank

      Biography
      James was appointed Head of Commercial Banking Markets in November 2016 and prior to that was Head of Capital Markets at Lloyds Bank since 2009. James’ business works in partnership with relationship management and other product teams to deliver financing and risk management solutions to Lloyds Bank clients. In this capacity he is responsible for Loan and Bond financing, traded markets in FX, Interest Rates and Credit, alongside Corporate and FI Sales. He has over 28 years of experience in financial services, having led international teams in debt and equity businesses across a number of institutions including Citi, West LB, UBS and latterly Goldman Sachs, where he was made partner in 2005. Outside of Lloyds Bank, James has a keen interest in the charity sector and is a Trustee of In Kind Direct, as well as the Lloyds Bank Foundation for England and Wales.

      x

      Nick Burge
      Managing Director, Head of Global Corporates Structural & Regulatory Solutions, Lloyds Bank

      Biography
      Nick leads strategy and solutions for global corporate clients across regulatory & structural change and liquidity. Prior to that he ran the Strategic Liquidity team in Financial Markets, working with global corporate clients on overall liquidity needs and the impact of regulatory change. He has been with Lloyds Bank for ten years, in a variety of roles, managing Derivative and FX sales teams, covering both corporate and institutional clients. Nick has over twenty five years’ experience in banking in both sales and trading roles previously at Nomura, III Global and Bank of America. He is Chair of AFME’s CMU Steering Group and a member of AFME’s Growth Committee.

      x

      John Feeney
      Managing Director and Global Head of Commercial Real Estate, Lloyds Bank

      Biography
      John oversees all aspects of Lloyds Bank’s commercial real estate client coverage, managing regional, specialist and international teams. Previously, he managed the real estate debt business at Henderson Global Investors following seven years at Bank of America Merrill Lynch, where he set up real estate businesses in Europe and Asia. Early in his career he spent time at the Barclays Group, establishing in-house securitisation programmes before rating a variety of structured products at Fitch Ratings. John holds the Chartered Financial Analyst (CFA) accreditation and is a member of the Policy Committee of the British Property Federation. In 2016 he launched a £1bn Green Lending Initiative that leads the market in providing incentives for sustainable investment.

      x

      Sir Terry Morgan CBE
      Chairman, Crossrail

      Biography
      Sir Terry has been the Chairman of Crossrail since June 2009 and was previously Chief Executive of Tube Lines, a PPP company that was contracted to maintain and upgrade the infrastructure of the Jubilee, Northern and Piccadilly lines. He has also worked at BAE Systems as Group Managing Director, Operations, and Group HR Director and at Rover Group as Managing Director (Land Rover) and Operations Director. Sir Terry is a past President of the CMI (Chartered Management Institute) and a Fellow of the Royal Academy of Engineering and the Institute of Electrical Engineers. He is Chairman of the engineering and environmental consultancy Ricardo, Chairman of HS2 College Governing Body and past Non-Executive Chairman of the Manufacturing Technology Centre.

      x

      Leo Quinn
      Chief Executive, Balfour Beatty

      Biography
      Leo was appointed to the Board of Balfour Beatty as Group Chief Executive in January 2015, returning to the company where he started his career as a civil engineer. He joined the Group following five years as Group Chief Executive of QinetiQ Group and five years as CEO of De La Rue. Leo led both companies through transformations that created over £1bn of value in each. He also worked with Honeywell Inc. for 16 years in senior roles across the US, UK, Europe, the Middle East and Africa. In 2013, Leo founded ‘The 5% Club’, which encourages companies to invest in the next generation with the aspiration that at least 5% of employees will be apprentices, interns or graduates in formal training programmes.

      x

      Simon Beresford-Wylie
      Chief Executive Officer, Arqiva

      Biography
      Simon has more than 20 years’ experience of executive leadership in the global technology and telecoms sector. He joined Arqiva, a UK-focused communications infrastructure and media services company in 2015, following nearly two years in South Korea as Executive Vice President, Samsung Networks. Prior to that, he was CEO of UK-based Digital Mobile Spectrum Limited (DMSL), also known as at800. Simon also led Elster Group, a German-based provider of smart metering solutions, through a successful listing on the New York Stock Exchange. He was the founding CEO of Nokia Siemens Networks and a member of the Nokia Group Executive Board. He has lived and worked in Australia, India, Singapore, South Korea, Germany, Finland and the UK.

      x

      Robert Noel
      Chief Executive, Land Securities

      Biography
      Robert has 30 years’ experience in a number of sectors within the property market and extensive knowledge of the London commercial property market in particular. He was appointed to the Land Securities Board in January 2010 as Managing Director, London Portfolio, and became Chief Executive in April 2012.

      Robert was a director of property services group Nelson Bakewell from 1992 to 2002 when he joined Great Portland Estates, the FTSE 250 REIT, as part of a new management team. He was appointed to the company’s Board in August 2002. Robert is a Trustee of the Natural History Museum and a member of the Boards of the British Property Federation (BPF) and European Public Real Estate Association (EPRA).

      x

      The Rt Hon George Osborne CH MP

      Biography
      George has been the Conservative MP for Tatton, Cheshire, since June 2001. On his appointment as Chancellor of the Exchequer in May 2010, he was the youngest holder of the position since Randolph Churchill in 1886. George served as Chancellor until 2016 - one of the longest periods anyone has held the office. Following the Conservative victory in the 2015 General Election, he served as First Secretary of State. As a prominent campaigner for Britain to remain in the EU, George left the government in July 2016 following the referendum. Earlier in his career, he served as Shadow Chancellor for five years and ran David Cameron's successful campaign to become Leader of the Conservative Party. In August 2016, Her Majesty the Queen made George a Companion of Honour.

      x

      António Horta-Osório
      Executive Director and Group Chief Executive, Lloyds Banking Group

      Biography
      António has extensive experience in, and understanding of, both retail and commercial banking, built over a career spanning more than 25 years. He was appointed Group Chief Executive in March 2011. His drive, enthusiasm and commitment to customers, along with his proven ability to build and lead strong management teams, brings significant value to all stakeholders. António has a Degree in Management & Business Administration from the Universidade Católica Portuguesa, an MBA from INSEAD and has completed the Advanced Management Program at Harvard Business School. He was Chief Executive of Santander UK from 2006 to 2010 and previously worked for Goldman Sachs and Citibank. António is a Non-Executive Director of EXOR S.p.A., Fundação Champalimaud and Sociedade Francisco Manuel dos Santos in Portugal, a member of the Board of Stichting INPAR and Chairman of the Wallace Collection.

      x

      Naga Munchetty
      Journalist and Broadcaster

      Biography
      Naga is a financial journalist who presents BBC Breakfast and World News. She worked on the City pages of the Evening Standard and wrote for The Observer business section before turning to television. Naga began reporting for Reuters Financial Television, going on to work for CNBC Europe as a senior producer and for Channel 4 News as a business producer and reporter. As a senior presenter for Bloomberg Television, she guided viewers through the start of the credit crunch, the collapse of Northern Rock and the global economic downturn. She also grilled central bankers, chief executives and fund managers. While she has always had a head for figures, Naga can also play the jazz trumpet and classical piano. Judge for the Bailey's women fiction book prize.

      x

Lloyds Bank plc. Registered office: 25 Gresham Street, London, EC2V 7HN. Registered in England and Wales no. 2065. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Authorisation can be checked on the Financial Services Register at www.fca.org.uk under the Firm Registration Number 119278.

We subscribe to The Lending Code; copies of the Code can be obtained from www.lendingstandardsboard.org.uk. Lloyds Bank plc is covered by the Financial Services Compensation Scheme and the Financial Ombudsman Service. (Please note that due to the schemes’ eligibility criteria not all Lloyds Bank business customers will be covered by these schemes.)