Lloyds Banking Group plc (NYSE:LYG) Q4 2019 Results Conference Call February 20, 2020 4:30 AM ET Company Participants António Horta-Osório - Executive Director and Group Chief Executive William Chalmers - Executive Director and Chief Financial Officer Vimlesh Maru - Group Director, Retail Conference Call Participants Joe Dickerson - Jefferies Rohith Chandra-Rajan - Bank of America Merrill Lynch Guy Stebbings - Exane BNP Paribas Aman Rakkar - Barclays Andrew Coombs - Citi Raul Sinha - JPMorgan James Invine - ...