Expanding horizons

In a time of rapid change, UK businesses have a unique chance to rethink, adapt, and grow. By embracing disruption, they can unlock new paths to success.

Read time: 24 mins  Added: 18/09/25

Hot air balloon with sun in horizon

Horizons of possibility

Seizing the day

Although this year has so far witnessed widespread uncertainty, there are still bright spots for businesses. While change is often seen as a threat, those who innovate and adapt tend to emerge stronger and better prepared for the future.

Today, this is more essential than ever as companies are called upon to employ a strategy of continuous improvement – of their goals, ambitions and culture. The aim is not to survive disruption, but to recognise its inherent potential.

The unprecedented pace of change in the UK is offering new possibilities like never before. Rapid advances in areas ranging from technology and digitalisation through to trade, investment and social transformation are spawning new and exciting opportunities for businesses willing to embrace them. The challenge for firms lies in identifying these openings and employing the means to maximise the value they can offer.

The view from the ground

Our senior leaders from across Corporate & Institutional and the wider Lloyds Banking Group have set out their thoughts and insights based on conversations with clients and their perception of the current business landscape.

These insights are intended to illuminate pathways forward, inspire strategic thinking, and equip firms with the means to fulfil their potential in an environment defined by radical evolution. The possibilities ahead are reshaping the future for organisations in the UK, switching the narrative from what is at risk, to what can be achieved.

Contributors

John Winter CEO, Lloyds Corporate & Institutional

Rohit Dhawan, Chief AI Executive and Group Head of AI, Lloyds Banking Group
Rohit Dhawan Chief AI Executive and Group Head of AI, Lloyds Banking Group

Peter Left, Head of Digital and Markets Innovation, Lloyds Banking Group
Peter Left Peter Left, Head of Digital and Markets Innovation, Lloyds Banking Group

Mithesh Varsani, Head of Investment Solutions, Chief Investment Office, Lloyds Banking Group
Mithesh Varsani Head of Investment Solutions, Chief Investment Office, Lloyds Banking Group

David Adkins, Chief Investment Officer, Pensions Investment, Lloyds Banking Group
David Adkins Chief Investment Officer, Pensions Investment, Lloyds Banking Group

Christian De Monte, Head of Insurance and Group Subsidiaries, Lloyds Corporate & Institutional
Christian De Monte Head of Insurance and Group Subsidiaries, Lloyds Corporate & Institutional

Ian Shaw, Head of Flow Rates, FI Solutions and Funding Markets Sales, Lloyds Corporate & Institution
Ian Shaw Head of Flow Rates, FI Solutions and Funding Markets Sales, Lloyds Corporate & Institutional

Victoria Whitehead, Head of Infrastructure and Transport, Lloyds Corporate & Institutional
Victoria Whitehead Head of Infrastructure and Transport, Lloyds Corporate & Institutional

Surath Sengupta, Head of Transaction Banking Products, Lloyds Corporate & Institutional
Surath Sengupta Head of Transaction Banking Products, Lloyds Corporate & Institutional

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