International Personal Finance plc (IPF) Q3 2025 Earnings Call

Investor webinar replay

Replay transcript excerpt

Good morning and welcome to IPS Q3 Trading, an update call hosted by CEO Gerard Ryan and CFO Gary Thompson. During today's call, we will have a Q&A session. If you would like to register a question, please press star followed by one on your telephone keypad. To withdraw your question, it's star followed by two. Alternatively, if you have joined us online, please click the Q&A button and type in your question. I'll now hand over to Gerard who will take you through today's briefing. Good morning, and thank you very much, Drew. Good morning, everyone, and thank you for joining us for our Q3 trading update call this morning. I'm here with Gary, our CFO, and together we'll take you through another strong quarter for our group, highlighting our financial performance, focus on our next-gen strategy, and our outlook as we head into the final quarter of 2025. Now, as Drew said, we'll have plenty of time at the end for Q&A, as always. Now, in addition to today's Q3 trading update, you'll also have seen an update to the market regarding the possible offer for IPF, for which a further 28-day extension has been approved. And as you know, under the takeover rules, that is as much as I can say about that matter. So we'll turn now to the Q3 trading update. Now, if you've had a chance to read the update, you'll have seen that we delivered another excellent quarter of growth and a strong financial performance. Our next-gen strategy continues to deliver tangible results across all of our markets. We saw continued robust demand for our products, with group customer lending accelerating to 14% in the third quarter and 12% for the year to date, and that is a great indicator of the momentum across all of our businesses. Looking at our divisional performance on lending, we've seen particula...