Lloyds Banking Group plc (LLOY) Q4 2025 Earnings Call

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Replay transcript excerpt

WEBVTT 00:00:01.077 -- 00:00:06.742 Good morning everyone and thank you for joining our 2025 full year results presentation. 00:00:06.742 -- 00:00:10.846 It's great that the move to prelims has allowed us to update you earlier than prior years. 00:00:10.846 -- 00:00:15.271 This means our organisation can make a fast start and increase our focus on the year 00:00:15.271 -- 00:00:21.415 ahead as we enter the final stage of the strategy that we laid out in early 2022. 00:00:21.937 -- 00:00:26.361 I'm very pleased with our ongoing strategic transformation and 2025 was another strong 00:00:26.361 -- 00:00:30.870 year for the group. we're building significant momentum that sets us up well to deliver 00:00:30.870 -- 00:00:34.151 upgraded 2026 commitments 00:00:34.453 -- 00:00:37.836 and stronger sustainable returns for the period. 00:00:37.836 -- 00:00:42.220 I'm very excited about the plans we're developing for our next strategic phase, and you'll 00:00:42.220 -- 00:00:47.004 hear more about this in July alongside our half-year results. 00:00:47.004 -- 00:00:50.107 As usual, following my opening remarks, I'll hand over to William who'll run through 00:00:50.107 -- 00:00:54.651 the financials in detail. We'll then have plenty of time to take questions. 00:00:54.651 -- 00:00:57.772 Let me begin on slide three. 00:00:59.667 -- 00:01:03.191 I'd like to start by highlighting the following key messages. 00:01:03.191 -- 00:01:08.678 Firstly, our strategic delivery is accelerating and building momentum across the business. 00:01:08.678 -- 00:01:13.764 We're on track to meet or exceed our 2026 strategic targeted outcomes, delivering 00:01:13.764 -- 00:01:17.146 clear benefits for all stakeholders. 00:01:17.849 -- 00:01:22.014 Secondly, our continued strategic execution underpins su...