Full Year 2018 Bank of Ireland Group PLC Earnings Call Transcript
Good morning, everyone, and welcome to Bank of Ireland's 2018 annual results announcement. Last June, we published our strategy to 2021. And today, we'll show how we're delivering against that strategy.
We've made particular progress in growing lending in our wealth and insurance business, reducing costs, improving asset quality and transforming our business. We also face some challenges, which we are addressing. I'm going to outline our 2018 progress and then Andrew Keating, our Group CFO, will take you through the financials in a bit more detail.
As we set out at our Investor Day last June, we have 3 strategic priorities: transform the bank, to serve customers brilliantly and to grow sustainable profits. We remain highly focused on these priorities and they guide everything we do. I'll go through each in turn.
Firstly, transform the bank. This includes 3 elements: transforming our culture, our systems and our business model. Culture is extremely important. It
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