...Welcome everyone to our full year results presentation for 2024. Now if you've had a chance this morning to look at the RNS that we put out, you'll already be aware that 2024 was a really excellent year for our group. And so today, Gary, our CFO, and I will be really happy to talk you through these very successful results and the key drivers for those results. Now, as usual, I'm going to start and I'm going to talk about the business at a very high level, and I'll also talk about the key drivers, but Gary's going to get into that in more detail. I'll then go on and cover our strategy, so that's our next gen strategy that you've heard about before, the three pillars of it and why executing against that strategy delivered the results that you see today. Then Gary's going to pick up and he's going to talk about divisional performance, so P&L performance at a very detailed level and all of the key drivers there as well. He'll then go on to cover the balance sheet talking about the asset quality...
