International Personal Finance plc (IPF) Q4 2024 Earnings Call

Investor webinar replay

Replay transcript excerpt

Welcome everyone to our full year results presentation for 2024. Now if you've had a chance this morning to look at the RNS that we put out you'll already be aware that 2024 was a really excellent year for our group and so today Gary our CFO and I will be really happy to talk you through these very successful results and the key drivers for those results. Now as usual I'm going to start and I'm going to talk about the business at a very high level and I'll also talk about the key drivers but Gary's going to get into that in more detail. I'll then go on and cover our strategy, so that's our next-gen strategy that you've heard about before, the three pillars of it and why executing against that strategy delivered the results that you see today. Then Gary's going to pick up and he's going to talk about divisional performance, so P&L performance at a very detailed level and all of the key drivers there as well. He'll then go on to cover the balance sheet, talking about the asset quality and how that's improved over time, about the liability side of the balance sheet and how we've completely refinanced the business in 2024. And then finally, he's going to cover off the equity side with some good news for shareholders there also. I'm going to pick up after that and I'm going to talk about how we see the business going forward in 2025 and beyond. And then we'll have a very brief recap before going to Q&A. Now, as always, there will be plenty of time for Q&A at the end, but hopefully at the bottom of your screens, you should be able to see a dialogue box. And as we go through this presentation today, if you have any questions, just type them in there. And at the end, Rach is going to put those questions to us and hopefully we'll answer all of those for you. In total, I think...