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Lloyds TSB – For the journey……..
…..a sustainable journey?
Page | 1
Short term v long term
Page | 2
Complex and connected
Population
Growth
Pollution
Poverty
Climate Change
Energy Security
Over Consumption
Loss of Biodiversity
Fresh Water Limitations
Page | 3
Economy or Environment?

“In tough economic times, some people will
ask whether we should retreat from our
climate change objectives. In our view, it
would be quite wrong to row back and
those who say we should misunderstand
the relationship between the economic and
environmental tasks we face” (Milliband 2008)
Page | 4
Sustainable development
“Sustainable Development is like teenage sex –
everyone claims they are doing it but most
people aren’t, and those that are, are doing it
very badly”
Source – Business Leader wishing to remain unknown
Page | 5
AARat
with Good PR!
Squirrel?
Page | 6
New Leadership

“..the energy challenge we face is so great and the
consequences of inaction are so dangerous. We must
act quickly and we must act boldly to transform our entire
society, from our cars to our fuels to our factories and our
homes” (Obama 2008)
Page | 7
Leadership
Context
without
direction
Engagement
Frustration
Awareness
Policy
without
context
Leadership Failure
Action
Page | 8
Poor Morale
Strategy
Communications?
Training?
Incentives?
System Failure
Alignment
Strategic
Priority
Victory of urgent
over important
Base camp
Values misalignment
Engagement
Page | 9
New opportunities
Risk
Managemen
t
Our
People
and
premises
Corporate
Banking
Asset
Finance
London
2012
Vehicle
Finance
Public &
Community
Carbon
Trading
Agriculture
Small
Businesses
Page | 10
Project
Finance
Building a sustainable business
Greater Strategic Awareness
Staff
Engagement
Long Term Relationships
Income and
an Efficient
Cost Base
Improved Risk
Management
Improved
Productivity
Focussed on
Long term
Sustainable
Growth
Page | 11
Makes good business sense
Resource Efficiency
Cost and operational efficiencies
Employee engagement
Job satisfaction and ideas
Develop Business
Distinctive relationships
Understand Risks
Effective risk disciplines
Collaborate
New partnerships and alliances
Engage with Customers
Customers and communities
Page | 12
Six steps on the journey
Page | 13
Insanity …
‘Doing
Page | 14
what you have always done and
expecting a different result’