Lloyds Banking Group plc (LLOY) Q3 2025 Earnings Call

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WEBVTT 00:00:00.031 -- 00:00:05.420 Thank you for standing by, and welcome to the Lloyds Banking Group 2023 Q3 Interim 00:00:05.420 -- 00:00:10.609 Management Statement Call. At this time, all participants are in a listen-only mode. 00:00:10.609 -- 00:00:13.935 There will be a presentation from William Chalmers, followed by a question and answer 00:00:13.935 -- 00:00:19.584 session. If you wish to ask a question, please press star 1 on your telephone. 00:00:19.584 -- 00:00:23.231 Please note, this call is scheduled for one hour and is being recorded. 00:00:23.231 -- 00:00:27.334 I will now hand over to William Chalmers. Please go ahead. 00:00:29.073 -- 00:00:32.438 Thank you, operator, and good morning, everyone. 00:00:32.438 -- 00:00:35.944 Thank you for joining our Q3 results call. 00:00:35.944 -- 00:00:39.390 As usual, I'll run through the group's financial performance before we then open the 00:00:39.390 -- 00:00:41.790 line for Q&A. 00:00:41.934 -- 00:00:46.819 Let me start with an overview of our key messages on slide two. 00:00:48.425 -- 00:00:51.409 We continue to make great progress on our strategy. 00:00:51.409 -- 00:00:55.564 In doing so, we are creating value for our customers and wider stakeholders, through 00:00:55.564 -- 00:01:01.009 improved propositions, targeted growth and enhanced operating leverage. 00:01:01.714 -- 00:01:05.921 In Q3, we delivered robust financial performance, supported by healthy growth across 00:01:05.921 -- 00:01:10.145 the business, driving continued income momentum. 00:01:10.709 -- 00:01:14.856 We maintained our cost discipline and strong asset quality, reflecting stable credit 00:01:14.856 -- 00:01:17.678 performance in the period. 00:01:17.921 -- 00:01:22.526 Taken together, this is driving strong capital generation. 00:01:...