Standard Life plc (PNXGF) Q2 2026 Earnings Call Transcript

Good morning. Welcome to Standard Life's Half Year 2026 Results. Today, I'll begin with an update on how our delivery is building momentum across our strategic priorities. Nic will take you through the detail of our financial performance, which supports achieving our 2026 targets. I'll then return to update on our next phase of growth before taking your questions. We're now in the final stages of our 3-year strategy, and I'm delighted with the progress we've made since 2024. First, the U.K. market is one of the most attractive globally for retirement savings and income, and we're uniquely positioned in that market because of the capabilities and platforms we've built, our leading brand and our commitment to putting our customers at the core of everything we do. Second, we're building momentum through execution of our strategic priorities, which is driving growth across our key financial metrics. That means we've already achieved