SECURITIES AND EXCHANGE COMMISSION
Washington, D.C.20549
FORM 6-K
Report of Foreign Private Issuer
Pursuant to Rule 13a-16 or 15d-16
of the Securities Exchange Act of 1934
06 October, 2003
LLOYDS TSB GROUP plc
(Translation of registrant's name into English)
5th Floor
25 Gresham Street
London
EC2V 7HN
United Kingdom
(Address of principal executive offices)
Indicate by check mark whether the registrant files or will file annual reports
under cover Form 20-F or Form 40-F.
Form 20-F..X..Form 40-F.....
Indicate by check mark whether the registrant by furnishing the information
contained in this Form is also thereby furnishing the information to the
Commission pursuant to Rule 12g3-2(b) under the Securities Exchange Act of 1934.
Yes .....No ..X..
If "Yes" is marked, indicate below the file number
assigned to the registrant in connection with Rule
12g3-2(b): 82- ________
Index to Exhibits
Item
No. 1 Regulatory News Service Announcement, dated 06 October, 2003
re: Lloyds TSB Investor Meeting
144/03 6 October 2003
LLOYDS TSB GROUP - INVESTOR PRESENTATION
Lloyds TSB Group will today hold a series of presentations for investors and
analysts, to outline business strategies for the Group's three main divisions:
UK Retail Banking and Mortgages, Insurance and Investments, and Wholesale and
International Banking.
The content of the presentations will address the Group's plans to deliver
organic growth over the next few years, by developing the Group's core retail
and corporate franchises and key distribution strengths. The Group considers
that its clearer focus on organic growth and new business operating model will
start delivering improved performance by the second half of 2004. Over the next
few years, this will support the Group's objective to build a strong customer
franchise, grow its earnings and thereby increase its dividend cover.
The Group's capital planning to support anticipated business growth aims to
ensure a minimum total capital ratio of 9 per cent, and the Group expects its
capital ratio requirements for 2003-2004 to be met without business disposals.
Continued growth in risk-weighted assets, of mid-to-high single digit percentage
growth per annum, can be financed from expected retentions and debt issuance.
Live and recorded webcasts of the presentations will be available on the Group's
website www.lloydstsb.com. The live webcast will commence at 9.30 a.m.
- ends -
.../more
For further information:
Investor Relations
Michael Oliver +44 (0) 20 7356 2167
Director of Investor Relations
E-mail: michael.oliver@ltsb-finance.co.uk
Ian Gordon +44 (0) 20 7356 1264
Senior Manager, Investor Relations
E-mail: ian.gordon@ltsb-finance.co.uk
Media
Terrence Collis +44 (0) 20 7356 2078
Director of Group Corporate Communications
E-mail: terrence.collis@lloydstsb.co.uk
Mary Walsh +44 (0) 20 7356 2121
Head of Media Relations
E-mail: mary.walsh@lloydstsb.co.uk
FORWARD LOOKING STATEMENTS
This announcement contains forward looking statements with respect to the
business, strategy and plans of the Lloyds TSB Group, its current goals and
expectations relating to its future financial condition and performance. By
their nature, forward looking statements involve risk and uncertainty because
they relate to events and depend on circumstances that will occur in the future.
Lloyds TSB Group's actual future results may differ materially from the
results expressed or implied in these forward looking statements as a result of
a variety of factors, including UK domestic and global economic and business
conditions, risks concerning borrower credit quality, market related risks such
as interest rate risk and exchange rate risk in its banking business and equity
risk in its insurance businesses, changing demographic trends, unexpected
changes to regulation or regulatory actions, changes in customer preferences,
competition and other factors. Please refer to the latest Annual Report on Form
20-F of Lloyds TSB Group filed with the US Securities and Exchange Commission
for a discussion of such factors.
Signatures
Pursuant to the requirements of the Securities Exchange Act of 1934, the
registrant has duly caused this report to be signed on its behalf by the
undersigned, thereunto duly authorized.
LLOYDS TSB GROUP plc
(Registrant)
By: M D Oliver
Name: M D Oliver
Title: Director of Investor Relations
Date: 06 October, 2003