While Barclays is a transatlantic business, with big investment banking and credit card operations in the Unied States, Lloyds is almost entirely focused on Britain, where it is the country's largest retail bank. Here, it is the biggest mortgage lender and, through its Black Horse business, a leading provider of motor finance. Lloyds' 2017 purchase of MBNA also boosted its market share in credit cards in Britain to rival that of Barclaycard.