Full Year 2020 Nationwide Building Society Earnings Call Transcript
Hello and welcome to the Nationwide 2020 Full Year Results Investor Call. My name is Val, and I will be your coordinator for today's event. Please note this conference is being recorded. (Operator Instructions)
I will now hand you over to your host, Joe Garner, to begin today's conference. Thank you.
Good morning, and thank you for joining Nationwide Building Society's 2019-2020 Results Presentation. I'm Joe Garner, Chief Executive. And with me are Chris Rhodes, Chief Financial Officer; Sara Bennison, our Chief Product and Marketing Officer; Muir Mathieson, our Treasurer; and Robert Gardner, our Chief Economist. This call is taking place against the backdrop that was unthinkable 6 or even 3 months ago. The coronavirus and the government's necessary response to it have rearranged social and economic norms. The pandemic is, first and foremost, a human crisis, and I'd like to talk briefly about our response to it before turning to our results.
Nationwide is a building
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