Lloyds Banking Group plc provides banking and financial services to personal and corporate customers primarily in the United Kingdom. The companyís Retail division provides banking, mortgages, and other financial services to personal customers. This divisionís products comprise current accounts, savings, personal loans, and credit cards. In addition, this division operates as a general insurance and bancassurance distributor, and offers range of long-term savings, investment, and general insurance products. Its Wholesale division provides banking and related services to multinational corporates and financial institutions. This division also offers risk management solutions, specialized lending services, access to capital markets and multi product financing solutions, access to financial markets, and trading infrastructure. In addition, this division engages in corporate banking, mid markets, portfolio management, structured corporate finance, transaction banking, structured transactions, and development capital activities. The companyís Commercial division serves the needs of small and medium-size enterprises, and community organizations. This division also offers hire purchase, leasing, and supplier finance products; and supports trading, investment, and protection needs of business customers. Its Wealth and International division offers private banking, wealth management, and asset management services. This division is also involved in corporate, commercial, asset finance, and retail businesses internationally. The companyís Insurance division provides life assurance, pensions, and investment products in the United Kingdom and Europe, as well as general insurance, including home and payment protection insurance to personal customers. The company was formerly known as Lloyds TSB Group plc and changed its name to Lloyds Banking Group plc in January 2009. Lloyds Banking Group plc was founded in 1985 and is headquartered in London, the United Kingdom.