Good morning, and thank you for joining us today.
Group the Murray takes business the our I'll morning, you by results. with start update joined CFO, this Katie and through I'm before Katie
questions. open up then for We'll it
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accounts with of half the which journeys and accounts significantly interact customer improve us. improving customers made during Net to customers credit almost and human have with easier requests card core XXXX. all customer satisfaction, And is Retail commercial intervention. of straight-through this of digital processing. in just continuing XX% transport make also to are Promoter Scores. the we required reflected the opened now for first X,XXX in times no We X.X compared XXX,XXX almost our million customers retail used service to increased to By half, whole experience, it customer are
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a capital order We risk in allocation Slide maintain proactively sheet, strong continue to XX. to and manage balance
well-diversified book book mortgages the loan-to-value our have the level with fixed retail of XX% We low. of secured. lending wholesale remains personal across our defaults of of and And XX%. a group an XX% are is average
binding from to Deposits agreements Ireland move we their providers. phase half to during XX% the book. the to reduced as progress, €XX and of for customers continues accounts place Our billion now Republic withdrawal in the XX% of first other have
XXXX for We sales be of to accretive. to our continue majority the withdrawal to capital complete in and expect
total in shareholders. distributions is announced consider invest with director the return in in entire in This half £X.X XXXX £X.XX and back today dividend capital operating figures, other the first dividend XX. half, year capital and Slide the The capital-generative special business as us create business a brings strength impairments gives first to the line is the billion well proposed of together now This before fact billion. to to billion, Turning £X.X by for both to broadly XXXX. announced we interim that of the flexibility delivered demonstrated options as profit which that with value the highly
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when we reduction year, to them broadly but this deliver managing continue revised growing We to business target positive to a jaws. XXXX, remain X% expect committed target remain around the to of in for We have growth our stable. whilst cost costs
are a financial equity year. still to to performance. return CETX to XX% XX% Our year, on aim we upgrading to for over is take XX%. this all tangible next together, are XX% With and that, XXXX to our achieve to Katie close we target of this I'll of you to around our our ratio XX% Taking target hand through
