...Good morning, and welcome to the presentation of Close Brothers 2023 Half Year Results. I'll start with a brief reflection on the key elements of our half 1 performance. Mike will then take us through the financials. I'll then come back to cover business performance and our strategy. At the end, you'll be able to ask questions either via the telephone conference line or over the webcast, which you can submit during or after the presentation. This has been a challenging 6 months, with our half year results significantly impacted by Novitas and the U.K. economic outlook, creating uncertainty for our customers. Although we continue to see good levels of loan demand and a resilient underlying credit performance, the volatile environment has been reflected in higher forward-looking provisions and challenging market conditions for CBAM and Winterflood. Our first half results were impacted by significant increase in provisions in relation to Novitas, resulting in a material reduction in operating...
