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Before relocating to Dubai, Richard was the Regional Director at Lloyds TSB Asia where he was also responsible for International Mortgage Service. He has been with the Lloyds TSB Group for 26 years and has held many senior roles including Island Director for Lloyds TSB Guernsey, Head of Offshore Personal Banking, Head of the Offshore Treasury & International business and was also responsible for Business Banking across part of the East cMidlands in the UK.

Bert de Ruiter, Managing Director of Lloyds TSB Middle East said, 'I am thrilled at Richard's appointment and welcome him to our growing business in the region. He has an excellent track record and I highly appreciate his outstanding contributions in Asia. Richard brings a wealth of knowledge to our Dubai based regional operations and will play a major role in the further development and implementation of our Middle East strategy.

I would also like to extend my appreciation to Richard's predecessor Chris Balfour for his hard work and excellent achievements during his tenure in this region. I am committed to continuously building and growing our team here and bringing in the best international expertise to service our customers in the region.'

Commenting on his appointment Richard Musty added, 'I am excited to relocate to Dubai and look forward to working with the talented team and contribute to the growth of our regional business. I am privileged to be in a dynamic city like Dubai and am determined to continue offering the best of banking products and services to our customers.'

The main branch of Lloyds TSB is in Jumeirah, housed in a custom built landmark building, located on Al Wasl Road opposite Safa Park. The bank also has Customer Service Centres located at the Arabian Ranches, Healthcare City, Green Community and UPtown Mirdiff.

Lloyds TSB Middle East employs over 300 people providing a full range of financial services including: Personal Banking, Commercial Banking, Corporate Banking, Offshore Banking, Private Banking, Treasury Services and Trade Finance Services. In addition to market leading car and home loans, credit cards, personal and commercial loans, current and savings accounts, and fixed term deposits, Lloyds TSB Middle East also offers easy accessibility to telephone banking and secure internet banking 24 hours a day, 7 days a week.