Lloyds Banking Group plc provides a range of banking and financial services to individuals and businesses in the United Kingdom and internationally. The company operates through five segments: Retail, Commercial Banking, Consumer Finance, Insurance, and TSB. The Retail segment offers a range of financial service products, including current accounts, savings, personal loans, and mortgages to wealth and small business customers. This segment also distributes insurance, protection and credit cards, and a range of long-term savings and investment products. The Commercial Banking segment provides banking and related services to business clients, small businesses, and large corporates. The Consumer Finance segment offers asset finance solutions, credit cards, and merchant services to consumers and commercial customers. The Insurance segment provides long-term savings, investment, and protection products through the bancassurance, intermediary, and direct channels; and other life and pension products, as well as home insurance products through branch network, direct channels, and strategic corporate partners. This segment offers its products under the Lloyds Bank, Halifax, Bank of Scotland brands. The TSB segment provides a range of retail banking products to retail and small business customers. Lloyds Banking Group plc was founded in 1695 and is headquartered in London, the United Kingdom.