So one of my favourite adverts from 2013 has to be the new Lloyds advert. After its recent split from TSB, Lloyds have rebranded their image to return to the high street. This ad completely understands who the target audience are and talks to them directly. Striving for your own independence whilst still being governed by your parents ‘what time will you be home?’ fridge note, perfectly captures the mindset of a 31 old male who still lives at home and is brilliantly executed. RkcR / Y&R are producing some outstanding work this year along with the VistiBritain, Virgin atlantic and Holland & Barrett. Definitely an agency to keep a close eye on!