International Personal Finance plc (IPF) Q3 2024 Earnings Call

Investor webinar replay

Replay transcript excerpt

Good morning, everyone, and thank you for joining us for the International Personal Finance third quarter 2024 trading update. My name's Lydia and I'll be your operator today. After the prayer remarks, there'll be an opportunity for you to ask questions. To join the questions queue, please press star followed by one on your telephone keypad. I'll now hand you over to Gerard Ryan, CEO, to begin. Please go ahead. Thank you, Lydia, and good morning, everyone, and welcome to our Q3 trading update call. Now, today I'm joined by Gary Thompson, our CFO, and together we'll take you through the highlights of our third quarter performance. As usual, as Lydia has just said, there'll be plenty of time at the end of the briefing for us to answer any questions you might have. Now, I assume most of you will have had a chance to read our trading statement today, and if so, you'll have noticed that it's slightly shorter than our previous quarterly updates. I just wanted to explain why that is the case. After listening to pretty consistent feedback from analysts and investors and reviewing other similar statements, we found that our quarterly updates were far more detailed than basket best practice, and so we made a change to a shorter and more high-level update. We will, of course, continue to report on our divisions in detail in our full year and interim results, but for quarters one and three, we'll move forward with the new, briefer updates. So with that, moving on now to Q3, I'm very happy to report that the second half of this year started on a very strong note. We delivered another strong financial performance in the quarter, building on the momentum of the first half, and we're on course to deliver full-year results in line with our guidance announced with our half-year result...