Lloyds vs Close Brothers: which UK bank gets hit harder by the motor finance mis-selling scandal in 2025?
Which brand leads in AI visibility and mentions.
Brands most often recommended by AI models
Top Choice
Models Agree
Overall ranking based on AI brand mentions
Rank #1
Total Analyzed Answers
Recent shifts in AI model responses
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Analysis of brand presence in AI-generated responses.
Brands ranked by share of AI mentions in answers
Visibility share trends over time across compared brands
Key insights from AI Apps comparisons across major topics
Close Brothers Motor Finance slightly edges out Lloyds in handling compensation and PR response in the motor finance scandal, primarily due to higher visibility and implied focus in key model data like ChatGPT.
Perplexity shows no favoritism between Lloyds and Close Brothers Motor Finance, both at 1.4% visibility share, indicating equal attention to their roles in the scandal. Its neutral tone suggests a balanced perspective on compensation and PR response without highlighting specific strengths or weaknesses.
Gemini assigns equal visibility shares of 2.8% to both Lloyds and Close Brothers Motor Finance, reflecting no clear preference in handling the scandal. The neutral tone implies neither bank stands out in terms of compensation or PR response effectiveness.
ChatGPT favors Close Brothers Motor Finance with a higher visibility share of 9.7% compared to Lloyds at 8.3%, suggesting greater public or contextual focus on their scandal response. Its neutral-to-skeptical tone, inferred from broader data spread, indicates a critical lens on institutional handling of compensation and PR.
Grok gives equal visibility shares of 2.8% to both Lloyds and Close Brothers Motor Finance, showing no bias in their handling of the motor finance scandal. The neutral tone reflects an impartial view on their compensation strategies and PR responses.
Deepseek equally represents Lloyds and Close Brothers Motor Finance at 1.4% visibility share, indicating no preference in their scandal management. Its neutral tone suggests a lack of distinction in how each handles compensation or PR response.
Lloyds appears to have a more feasible recovery after the car finance scandal compared to Close Brothers Motor Finance, primarily due to its broader visibility and implied institutional backing across models.
ChatGPT shows a slight favor towards Close Brothers Motor Finance with a higher visibility share (9.7%) compared to Lloyds (6.9% combined with Lloyds Banking Group at 2.8%), suggesting a focus on specific scandal exposure, yet its tone is neutral as it emphasizes visibility over recovery potential.
Grok presents a balanced view with equal visibility shares for Lloyds and Close Brothers Motor Finance (2.8% each), indicating no clear preference for recovery feasibility, and maintains a neutral tone with no strong sentiment towards either brand’s ability to recover.
Gemini equally distributes visibility (1.4% each) between Lloyds and Close Brothers Motor Finance, showing no favoritism and a neutral tone, with no specific reasoning on recovery feasibility beyond basic awareness of the scandal.
Deepseek assigns equal visibility shares (2.8% each) to Lloyds and Close Brothers Motor Finance, indicating neutrality in perception, with a neutral tone and no distinct insight into which brand’s recovery is more feasible post-scandal.
Perplexity equally represents Lloyds and Close Brothers Motor Finance (2.8% each), reflecting a neutral stance and tone, lacking explicit reasoning on recovery but suggesting similar levels of public or institutional scrutiny for both.
Lloyds loses more brand trust due to the car finance mis-selling scandal compared to Close Brothers, as it garners higher visibility and scrutiny across models, often tied to broader institutional accountability.
Deepseek shows equal visibility for Lloyds and Close Brothers Motor Finance at 2.8% each, with a neutral sentiment tone indicating no clear favor. The perception is balanced, suggesting both brands are equally implicated in the scandal without deeper differentiation.
Grok equally highlights Lloyds and Close Brothers Motor Finance at 2.8% visibility, alongside other entities like the Financial Conduct Authority, reflecting a neutral tone with no favoritism. Its perception ties both brands to the scandal but dilutes focus with multiple stakeholders, suggesting shared culpability.
Gemini assigns equal visibility of 2.8% to Lloyds and Close Brothers Motor Finance, maintaining a neutral sentiment without favoring either. The perception links both brands to the scandal equally, with slight regulatory context via the Financial Conduct Authority, implying comparable trust erosion.
Perplexity slightly favors Close Brothers Motor Finance with a 2.8% visibility share over Lloyds at 1.4% (plus 1.4% for Lloyds Banking Group), displaying a neutral to slightly skeptical tone toward Lloyds. It perceives Close Brothers as more prominently associated with the scandal, potentially due to a specialized motor finance focus, while Lloyds’ split naming diffuses impact.
ChatGPT gives equal and notably higher visibility to Lloyds and Close Brothers Motor Finance at 9.7% each, with a neutral to slightly negative tone due to high attention in scandal context. It perceives both as significantly impacted, but Lloyds’ broader recognition as a major bank may amplify perceived trust loss compared to the more niche Close Brothers.
Close Brothers Motor Finance appears to have experienced a sharper share price fall following the motor finance scandal news compared to Lloyds, based on the nuanced attention and sentiment across models.
Close Brothers Motor Finance bears larger financial exposure due to the UK motor finance mis-selling scandal compared to Lloyds, as it consistently garners higher visibility share and implied scrutiny across most AI models.
ChatGPT shows a slight favor toward Close Brothers Motor Finance with a higher visibility share of 9.7% compared to Lloyds at 8.3%, suggesting greater association with the motor finance scandal. Its tone is neutral, focusing on visibility metrics without explicit sentiment, indicating Close Brothers may face larger exposure due to prominence in discussions.
Gemini presents an even split between Lloyds and Close Brothers Motor Finance, each at 2.8% visibility share, implying comparable exposure to the scandal. The tone is neutral, with no clear favoring, but the equal weighting suggests both face significant scrutiny in the context of regulatory oversight.
Perplexity favors Close Brothers Motor Finance with a 2.8% visibility share against Lloyds at 1.4% (and Lloyds Banking Group at 1.4%), indicating stronger association with the scandal. Its tone is neutral, focusing on data distribution, suggesting Close Brothers may have higher exposure due to greater mention in relevant contexts.
DeepSeek leans toward Close Brothers Motor Finance with a 2.8% visibility share compared to Lloyds at 1.4%, pointing to greater perceived involvement in the motor finance issue. The tone remains neutral, but the data implies Close Brothers could face larger financial exposure due to higher visibility in scandal-related discussions.
Grok assigns equal visibility share to Lloyds and Close Brothers Motor Finance at 2.8%, indicating balanced exposure to the motor finance mis-selling scandal. The tone is neutral, with no favoring, though the inclusion of additional financial entities suggests a broader industry impact rather than a focus on one brand.
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Lloyds has increased its provision by £800M, bringing total to ~£1.95B. :contentReference[oaicite:5]{index=5}
Close Brothers also raised its redress provision significantly, expecting higher claims. :contentReference[oaicite:6]{index=6}
Smaller bank like Close Brothers may manage crisis PR tightly; Lloyds has scale but more scrutiny.
Lloyds’ exposure is much larger in volume and public impact vs Close Brothers, making it a heavier blow.