Full Year 2018 Lloyds Banking Group PLC Earnings and Strategic Update Call (Fixed Income Investors) Transcript
Thank you for standing by and welcome to the Lloyds Banking Group 2018 Results Fixed Income Conference Call. (Operator Instructions)
Ed Sands and Toby Rougier will outline the key highlights of the results which will be followed by a question-and-answer session. (Operator Instructions) I must advise you this conference is being recorded today, and I will now hand the conference over to Ed Sands. Please go ahead.
Thanks very much. Good afternoon, everyone, and thank you for joining this debt-focused call on the group's 2018 results. My name is Ed Sands, and I am Director of Investor Relations and I'm joined by Toby Rougier, our Group Corporate Treasurer; and Richard Shrimpton, who is Group Capital Pensions and Issuance Director. A number of you may have dialed into the results call this morning, and if you did, I'm afraid I'll run through many of the same points again. I'll cover the strategic highlights and the 2018 financials and then hand over to Toby who will cover the balance sheet in more
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