Charlie Nunn | Group Chief Executive |
William Chalmers | CFO |
Douglas Radcliffe | Head of IR |
Joseph Dickerson | Jefferies & Company |
Omar Keenan | Credit Suisse |
Jonathan Pierce | Numis Securities |
Rohith Chandra-Rajan | Bank of America Merrill Lynch |
Raul Sinha | JPMorgan |
Christopher Cant | Autonomous Research LLP |
Guy Stebbings | BNP Paribas Exane |
Martin Leitgeb | Goldman Sachs |
Thank you for standing by, and welcome to the Lloyds Banking Group 2022 Half Year Results Call. [Operator Instructions] There will be presentations from Charlie Nunn and William Chalmers, followed by a question-and-answer session. [Operator Instructions] Please note this call is scheduled for 90 minutes and is being recorded. I will now hand over to Charlie Nunn. Please go ahead.