LLOYDS BANKING GROUP PLC (LLOY) — Investor Presentation

Investor webinar replay

Replay transcript excerpt

Good afternoon, ladies and gentlemen, and welcome to the LLOYDS BANKING GROUP PLC investor presentation. Questions are encouraged. They can be submitted at any time via the q and a tab that's just situated on the right hand corner of your screen. Please just simply type in your questions and press send. The company may not be in a position to answer every question it receives during the meeting itself. However, the company can review all questions submitted today, and we'll publish our responses where it's appropriate to do so on the Investor Meet company platform. Before we begin, we would just like to submit following poll. And if you could give that your kind attention, I'm sure the company would be most grateful. And I'd now like to hand you over to the team from LLOYDS BANKING GROUP PLC. Rohith, good afternoon, sir. Thank you very much for that, Jake, and good afternoon, everybody. I'm Rohit Chandra Rajan, Director of Investor Relations at LLOYDS. I'm joined here today by my colleague, Tom Grantham, who's a senior manager on the team. We're very happy to be running another of these briefings with Investor Meets. They're a great way to, engage with our shareholders, so thank you very much for joining us. In terms of how, this hour is intended to run, we've got a short presentation, covering our financials and our strategy. That should take about fifteen minutes, and then we'll spend most of the time on your questions. So with that, then, let's move on to the first slide. So as you all know, LLOYDS is a UK focused bank with a simple operating model split across four reporting areas. Those are retail banking, commercial banking, insurance pensions and investments, and equity investments and central items. Within these divisions, we offer a comprehensive product sui...