PERSONAL GROUP HOLDINGS PLC (PGH) — Full Year Results

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WEBVTT NOTE Transcription provided by Deepgram Request Id: 01a046b9-c9a5-73a3-8eb3-479f080bf026 Created: 2026-08-28T04:56:21.335Z Duration: 3139.3843 Channels: 1 00:00:00.399 -- 00:00:03.120 Good afternoon and welcome to the PERSONAL GROUP 00:00:03.120 -- 00:00:06.320 HOLDINGS PLC four year results investor presentation. 00:00:06.560 -- 00:00:08.960 Throughout this recorded presentation, investors will be in 00:00:08.960 -- 00:00:11.599 listen only mode. Questions are encouraged and they 00:00:11.599 -- 00:00:13.679 can be submitted at any time using the 00:00:13.679 -- 00:00:15.280 Q and A tab situated on the right 00:00:15.280 -- 00:00:17.175 hand corner of your Simply type in your 00:00:17.175 -- 00:00:19.655 questions and press send. The company may not 00:00:19.655 -- 00:00:21.175 be in a position to answer every question 00:00:21.175 -- 00:00:22.935 received during the meeting itself. 00:00:23.095 -- 00:00:24.935 However, the company can review all questions submitted 00:00:24.935 -- 00:00:27.255 today and publish responses where it is appropriate 00:00:27.255 -- 00:00:29.255 to do so. Before we begin, I would 00:00:29.255 -- 00:00:31.330 like to submit the following poll. And I 00:00:31.330 -- 00:00:33.170 would now like to hand you over to 00:00:33.330 -- 00:00:34.290 CEO 00:00:34.370 -- 00:00:36.770 Paula Constant. Good afternoon to you. 00:00:37.170 -- 00:00:40.450 Thank you very much. Welcome everybody. We are 00:00:40.450 -- 00:00:43.010 delighted to share our 2024 00:00:43.010 -- 00:00:43.489 results, 00:00:44.165 -- 00:00:44.885 and 00:00:45.125 -- 00:00:47.925 we will take you through our presentation, 00:00:47.925 -- 00:00:50.805 welcome questions at the end and then just 00:00:50.805 -- 00:00:53.364 conclude with a few final thoughts. So I 00:00:53.3...