António Horta-Osório | Executive Director and Group Chief Executive Officer |
William Chalmers | Executive Director and Chief Financial Officer |
Rahul Sinha | J.P. Morgan |
Aman Rakkar | Barclays |
Guy Stebbings | Exane |
Chris Cant | Autonomous |
Martin Leitgeb | Goldman Sachs |
Andrew Coombs | Citi |
Jonathan Pierce | Numis |
Ed Firth | KBW |
Benjamin Toms | RBC |
Thank you for standing by and welcome to the Lloyds Banking Group Q3 2020 Interim Management Statement Call. At this time, all participants are in listen-only mode. There will be a presentation by Antonio Horta Osorio, and William Chalmers, followed by a question-and-answer session. [Operator Instructions] I will now hand the conference over to Antonio Horta-Osorio. Please go ahead.