Full Year 2020 Standard Chartered PLC Earnings Call Transcript
Welcome to Standard Chartered PLC's 2020 full year results.
Today's presentation is being hosted by Bill Winters, Group Chief Executive; and Andy Halford, Group Chief Financial Officer.
(Operator Instructions)
(presentation)
Okay, good morning, good afternoon, everybody. I hope you're all hungry after that little bit of Singapore culture.
I'm going to say a few things upfront, and then I'm going to hand over to Andy to go through the details of our 2020 results. I'll come back with a review of our strategic themes and a little bit of the way forward.
So all in all, 2020 for us has been a tale of 2 sides really. On the one hand, we know that we had a strong start in the year. We had a relatively strong finish to the year in those areas that have begun their recovery. We know along the way that we had -- we absorbed the transitory impacts of higher credit costs, associated economic slowdown, which clearly led to a reduction in
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