Lloyds Banking Group plc

Thank you for standing by and welcome to the Lloyds Banking Group 2026 Q1 interim management statement call. At this time, all participants are in a listen only mode. There will be a presentation from William Chalmers, followed by a question and answer session. If you wish to ask a question, please press star one on your telephone. Please note that this call is scheduled for one hour and is being recorded. I will now hand over to William Chalmers. Please go ahead.

Thank you, operator, and good morning, everyone. Thank you for joining our Q1 results call. As usual, I'll run through the group's financial performance before we then open the line for Q&A.

Let me start with an overview of our key messages on slide two. In Q1, we continue to make progress on our strategy as we enter the final year of our current plan.