Group 1 - The presentation is led by Douglas Radcliffe, the Group Investor Relations Director for Lloyds, with a focus on engaging retail shareholders [2][3] - The strategy discussion will include an outlook to 2026, while the latest financials will be presented by Sarah, covering the half-year results released in July [3] - Lloyds operates as a U.K.-focused retail and commercial bank, structured into three reporting divisions: Retail Banking, Commercial Banking, and Insurance, Pensions, and Investments [4] Group 2 - The bank's operating model is characterized by a comprehensive product suite supported by well-known brands such as Lloyds Bank, Halifax, and Scottish Widows, along with newer brands like Tusker and Lloyds Livings [4]