Full Year 2021 Lloyds Banking Group PLC Earnings Call Transcript
Good morning, everyone. It's great to be here to see 70 people in the room today. And I'd also like to welcome everyone joining us on the webcast and the phone lines this morning. Since I joined the group, I've spent a lot of time getting to know the business and our people. It is great to have the opportunity to speak directly to you, our investors and analysts. I've been with Lloyds for over 6 months now, and I have to say I'm even more excited about the opportunities for the group today than I was when I joined.
I've seen for myself that Lloyds Banking Group is an organization with significant competitive strengths, a fantastic franchise including the U.K.'s leading digital bank, and great people. But there are also some real opportunities for the group to grow whilst maintaining cost and capital discipline. We have a powerful group purpose, helping Britain prosper. This underpins our new strategy and is integral to everything we will do. As you will hear, I believe that building on these strong
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