Full Year 2019 Virgin Money UK PLC Earnings Call Transcript

Nov 28, 2019 / 08:30AM GMT
David Joseph Duffy - Virgin Money UK PLC - CEO & Executive Director

You guys ready, at the back? Perfect. Well, welcome, everyone. Good morning, and thank you for all of you who managed to join us in person, and welcome to everyone on the webcast on the call, and good evening to all our Australian investors.

Today is a little bit of a special day because it's the first set of results for Virgin Money, combining both CYBG and Virgin Money under the rebranded Virgin Money UK PLC.

I think we'll split it into 4 headings today. We're expecting to take no longer than 40 minutes and followed by Q&A. I will walk you through some of the highlights of the past year, then Ian will take you through some of the financial results. Then I'll ask Lucy Dimes, our Group Business Transformation Officer and the newest member of our leadership team, to talk to you about the next steps in our integration, but more importantly, what Lucy is doing together with Ian and Fraser, to deliver the broader business transformation. Finally, I'll come back and share my views on the outlook for the business in

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