Contributor(s): António Horta‐Osório | António will set out his views on why the future of the UK economy and the banking industry are inextricably linked. He will explore the mutual interdependency between a healthy economy and a healthy banking industry, and will explain the steps Lloyds Banking Group has taken on its strategic transformation since António joined as Group chief executive in 2011. António joined the board of Lloyds Banking Group on 17 January 2011 as an executive director and became Group chief executive on 1 March 2011. Previously he was the chief executive of Santander UK plc and executive vice president of Grupo Santander. He was also chairman of Santander Totta until 2011, where he was CEO between 2000‐2006, and prior to that was CEO of Banco Santander Brazil. António started his career at Citibank Portugal where he was head of Capital Markets. At the same time, he was an assistant professor at Universidade Catolica Portuguesa. He then worked for Goldman Sachs in New York and London. In 1993, he joined Grupo Santander as chief executive of Banco Santander de Negócios Portugal. A graduate of management and business administration at Universidade Católica Portuguesa, António has a MBA from INSEAD where he was awarded the Henry Ford II prize – and an AMP from Harvard Business School. He was recently awarded Honorary Doctorates from the University of Edinburgh and the University of Bath. Previously a non executive Director to the Court of the Bank of England, António is currently a non executive of Fundação Champalimaud in Portugal, serves on the CBI President’s Committee and is a governor of the London Business School.