Full Year 2019 Lloyds Banking Group PLC Earnings Call Transcript
Good morning, and thank you for joining our 2019 full year results presentation.
I will briefly talk about the group's financial performance and then review our strategic progress as we are now in the final year of GSR3. Vim will then give an update on our retail bank before William runs through the financials.
We remain focused on delivering our purpose of Helping Britain Prosper whilst building additional strategic advantages for the benefit of our customers and generating strong and sustainable returns for our shareholders. Against these objectives, we have again delivered significant strategic progress while continuing to invest in the business. We have made around GBP 2 billion of strategic investments since the start of GSR3 and are on track to meet our commitment of more than GBP 3 billion by the end of 2020. We have also generated solid financial returns in 2019 despite the challenging external environment and the large PPI charges we took in the first
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