Mr. George M. Culmer is a Chief Financial Officer & Executive Director at Lloyds Banking Group Plc, a Chief Financial Officer & Executive Director at HBOS Plc and a Director & Finance Director at Bank of Scotland Plc.

He is on the Board of Directors at Lloyds Bank Plc, Lloyds Banking Group Plc, HBOS Plc, Bank of Scotland Plc and Scottish Widows Group Ltd. Mr. Culmer was previously employed as a Chief Financial Officer by Royal & Sun Alliance Insurance Plc, a Chief Financial Officer & Executive Director by RSA Insurance Group Plc, a Principal by Prudential Capital Plc, a Chief Financial Officer by Zurich Financial Services Ltd., and a Head-Capital Management by Zurich Insurance Group AG.

He received his undergraduate degree from the University of Cambridge.