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Half Year 2020 AIB Group plc Earnings Call Transcript
Good morning, everybody, and welcome to Molesworth Street in the heart of Dublin for the virtual presentation of our half 1 performance for 2020. Before I go into the presentation, first of all, we're required to show the forward-looking statement, which I'm sure you're all well familiar with at this stage. The results we present today are against the backdrop of an unprecedented global crisis. The arrival of COVID-19 on our shores has had a huge, immediate and severe impact on health, on society, on economy, on citizens and, of course, on business. It's also had a huge impact on us. And while we delivered a pre-provision operating profit of EUR 400 million for the half. This translates into a loss after tax of EUR 700 million, thanks to a very significant expected credit loss.
Over the course of the past number of months, the organization moved with great agility, swiftly and supportively to protect our customers, our colleagues and the communities that we serve. We introduced at pace, changes to our policies, our procedures, our products
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