Sarah McLaughlin
Chief of Staff & Group Company Secretary

Good morning, everyone. I know there's still a few people coming in, so just give them a second. Welcome to the Bank of Ireland AGM. I'm Sarah McLaughlin, the Group Company Secretary. I'm going to start by introducing our panel today. So our Chairman, Akshaya Bhargava; our Group Chief Executive, Myles O'Grady; our Chief Financial Officer, Mark Spain; and our General Counsel, Ann Lalor. The bank's other directors are also with us today, Giles Andrews, Emer Finnan, Michele Greene,Niamh Marshall, Hans van der Noordaa, Steve Pateman and Margaret Sweeney. Thank you.

We're also joined by Barrie O'Connell from KPMG, our auditor. So may I please ask you to take note of the nearest exit to you. If you do hear the alarm, please leave the building via the nearest exit. Please also check that your mobile phone is switched off or set to silent to avoid any disruption to the meeting. We have made this meeting accessible to as many shareholders as possible by providing an audiocast, which will allow shareholders to listen live to the proceedings. So on to today's business. We will start with presentations from Akshaya and Myles. This will be followed by an opportunity to raise questions that any shareholders may have on the resolutions that are put before the meeting today. We will then proceed to voting on the resolutions. And when the meeting concludes, light refreshments will be served.

So I'll hand over to Akshaya.