Full Year 2020 Bank of Ireland Group PLC Earnings Call Transcript
Good morning, ladies and gentlemen. We'll now listen to Bank of Ireland's Results Announcement for 2020, presented by the CEO, Francesca McDonagh; and CFO, Myles O'Grady, followed by Q&A.
Good morning, and you're very welcome to our results presentation. 2020 was an exceptional year with myriad challenges for the people and communities we serve and indeed for all businesses, including banks. This morning, we'll set out our full year performance. We'll also update on a number of strategic areas, including our new cost target, further restructuring of our business model and the tipping point between branch and digital banking that we have reached.
At Bank of Ireland from the start of the COVID-19 pandemic, we immediately focused our efforts on protecting and supporting our customers, colleagues and communities. Our previous investment in transforming our culture, systems and our business model meant that we could adapt to the pandemic very quickly. At the same
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