Full Year 2018 Royal Bank of Scotland Group PLC Earnings Call (Fixed Income Investors) Transcript
Good afternoon, ladies and gentlemen. This afternoon's conference call will be hosted by Katie Murray, Chief Financial Officer; and Robert Begbie, Treasurer. Please go ahead.
Thanks very much, Charlotte, and thank you for joining the call. On the line, you have myself, Katie Murray, Group CFO of Royal Bank of Scotland; and I'm joined by Robert Begbie, our Treasurer; and Paul Pybus, our Head of Debt Investor Relations.
We've put some fixed income slides onto our IR website, which Robert and I will talk you through now. I will provide a quick overview of our full year results that we've -- that were out earlier today, and then Robert will provide an overview of our balance sheet performance for the year. And after that, we'll open the call up for questions.
It's a good set of results. The last time we hit the Q4 operating profit was 8 years ago, and we achieved that today. Not only that, we achieved it in a highly competitive market and against the backdrop of
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