- Lloyds Banking Group PLC Group Strategy Update TranscriptMar 20, 2024
- Lloyds Banking Group PLC Retail Investor Update TranscriptMar 14, 2024
- Lloyds Banking Group PLC at Morgan Stanley European Financials Conference TranscriptMar 12, 2024
- Full Year 2023 Lloyds Banking Group PLC Earnings Presentation TranscriptFeb 22, 2024
- Lloyds Banking Group PLC-Group Strategy Update TranscriptNov 28, 2023
- Lloyds Banking Group PLC at UBS European Conference TranscriptNov 14, 2023
- Q3 2023 Lloyds Banking Group PLC Interim Management Statement Call TranscriptOct 25, 2023
- Lloyds Banking Group PLC-Group Strategy Update TranscriptOct 05, 2023
- Lloyds Banking Group PLC at Bank of America Merrill Lynch Financials CEO Conference TranscriptSep 19, 2023
- Lloyds Banking Group PLC at Barclays Global Financial Services Conference TranscriptSep 11, 2023
- Half Year 2023 Lloyds Banking Group PLC Earnings Call TranscriptJul 26, 2023£0.4533 (-1.66%)Earnings
- Lloyds Banking Group PLC at Goldman Sachs European Financials Conference TranscriptJun 15, 2023
- Lloyds Banking Group PLC Annual Shareholders Meeting TranscriptMay 18, 2023
- Q1 2023 Lloyds Banking Group PLC Interim Management Statement Call TranscriptMay 03, 2023
- Lloyds Banking Group PLC at Morgan Stanley European Financials Conference TranscriptMar 14, 2023
- Full Year 2022 Lloyds Banking Group PLC Earnings Presentation TranscriptFeb 22, 2023
- Lloyds Banking Group PLC Board Governance Event TranscriptDec 14, 2022
- Lloyds Banking Group PLC ShareSoc Webinar TranscriptDec 08, 2022
- Lloyds Banking Group PLC at UBS European Conference TranscriptNov 08, 2022
- Q3 2022 Lloyds Banking Group PLC Interim Management Statement Call TranscriptOct 27, 2022
- Lloyds Banking Group PLC at Bank of America Banking & Insurance CEO Conference TranscriptSep 20, 2022
- Lloyds Banking Group PLC at Barclays Global Financial Services Conference TranscriptSep 12, 2022
- Half Year 2022 Lloyds Banking Group PLC Earnings Call TranscriptJul 27, 2022£0.4532 (+4.11%)Earnings
- Lloyds Banking Group PLC Annual Shareholders Meeting TranscriptMay 12, 2022
- Q1 2022 Lloyds Banking Group PLC Interim Management Statement Call TranscriptApr 27, 2022
- Lloyds Banking Group PLC Retail Investor Update Presentation TranscriptApr 07, 2022
- Full Year 2021 Lloyds Banking Group PLC Earnings Call TranscriptFeb 24, 2022£0.46545 (-10.83%)Earnings
- Q3 2021 Lloyds Banking Group PLC Interim Management Statement Call TranscriptOct 28, 2021
- Lloyds Banking Group PLC at Bank of America Financials CEO Virtual Conference TranscriptSep 21, 2021
- Half Year 2021 Lloyds Banking Group PLC Earnings Call (Fixed-Income Investors) TranscriptJul 29, 2021£0.462 (-1.24%)Earnings
- Half Year 2021 Lloyds Banking Group PLC Earnings Call TranscriptJul 29, 2021£0.462 (-1.24%)Earnings
- Lloyds Banking Group PLC at Goldman Sachs European Financial Conference TranscriptJun 09, 2021
- Lloyds Banking Group PLC Annual Shareholders Meeting TranscriptMay 20, 2021
- Lloyds Banking Group PLC Virtual Shareholder Engagement Event TranscriptMay 13, 2021
- Q1 2021 Lloyds Banking Group PLC Interim Management Statement Call TranscriptApr 28, 2021
- Full Year 2020 Lloyds Banking Group PLC Earnings Call (Fixed-Income Investors) TranscriptFeb 24, 2021£0.39335 (+0.29%)Earnings
- Full Year 2020 Lloyds Banking Group PLC Earnings Call TranscriptFeb 24, 2021£0.39335 (+0.29%)Earnings
- Lloyds Banking Group PLC Board Corporate Governance Event TranscriptNov 09, 2020
- Q3 2020 Lloyds Banking Group PLC Interim Management Statement Call TranscriptOct 29, 2020
- Lloyds Banking Group PLC at Bank of America Merrill Lynch Financials CEO Conference (Virtual) TranscriptSep 22, 2020
- Lloyds Banking Group PLC at Barclays Global Financials New York Conference (Virtual) TranscriptSep 14, 2020
- Half Year 2020 Lloyds Banking Group PLC Earnings Call (Fixed Income Investors) TranscriptJul 30, 2020£0.26205 (-7.62%)Earnings
- Half Year 2020 Lloyds Banking Group PLC Earnings Call TranscriptJul 30, 2020£0.26205 (-7.62%)Earnings
- Lloyds Banking Group PLC Virtual Shareholder Event TranscriptMay 21, 2020
- Q1 2020 Lloyds Banking Group PLC Interim Management Statement Call TranscriptApr 30, 2020
- Lloyds Banking Group PLC at Morgan Stanley European Financials Conference TranscriptMar 17, 2020
- Full Year 2019 Lloyds Banking Group PLC Earnings Call (Fixed Income Investors) TranscriptFeb 20, 2020£0.5655 (+1.38%)Earnings
- Full Year 2019 Lloyds Banking Group PLC Earnings Call TranscriptFeb 20, 2020£0.5655 (+1.38%)Earnings
- Q3 2019 Lloyds Banking Group PLC Interim Management Statement Call TranscriptOct 31, 2019
- Lloyds Banking Group PLC at Barclays Global Financial Services Conference TranscriptSep 09, 2019
- Half Year 2019 Lloyds Banking Group PLC Earnings Call (Fixed Income Investors) TranscriptJul 31, 2019£0.5333 (-3.18%)Earnings
- Half Year 2019 Lloyds Banking Group PLC Earnings Call TranscriptJul 31, 2019£0.5333 (-3.18%)Earnings
- Lloyds Banking Group PLC Annual Shareholders Meeting TranscriptMay 16, 2019
- Q1 2019 Lloyds Banking Group PLC Interim Management Statement Call TranscriptMay 02, 2019
- Full Year 2018 Lloyds Banking Group PLC Earnings and Strategic Update Call (Fixed Income Investors) TranscriptFeb 20, 2019
- Full Year 2018 Lloyds Banking Group PLC Earnings and Strategic Update Call TranscriptFeb 20, 2019
Lloyds Banking Group PLC at Morgan Stanley European Financials Conference Transcript
Thank you, everybody, coming to this session with CEO of Lloyds, Charlie Nunn. As usual, we're going to open with a polling question. We'll put it on the screen.
Question is Lloyd's has updated its RoTE targets at 13% in '23, '24 and over 15% by 2026. What do you think stands out most about the business plan? Number one, the structural hedge and balance sheet structure delivered in a resilient NIM medium term; two, strategic initiatives, delivering additional revenue growth; three, cost discipline despite the inflationary environment; number four, resilience in asset quality share across portfolios; and number five, 175 to over 200 basis points capital generation guidance.
Well, it looks like the resilient NIM, but there's also a few other replies which I'm sure we will speak to. With that, what we're going to do -- Charlie is going to make some opening remarks. I have a few questions for him, and then we'll open up to general Q&A. Charlie, do you want to go ahead?
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