PIWORLD Investor Podcasts

The Pebble Group CEO, Chris Lee and CFO, Claire Thomson present the group's results for the six months ended 30 June 2024, followed by Q&A. Chris Lee, CEO 00:16 - Introduction 01:19 - Market Opportunity 02:33 - Investment case 03:37 - HY24 highlights Claire Thomson, CFO 04:52 - HY24 financial highlights 05:25 - Key financial dynamics 05:56 - Income statement 06:15 - Balance sheet 06:43 - Cash flow 07:13 - Use of capital Chris Lee, CEO 08:26 - Facilis Group performance Claire Thomson, CFO 15:45 - Brand addition performance Chris Lee, CEO 18:16 - ESG 20:09 - Summary & Outlook 21:12 - Q&A The Pebble Group is a provider of digital commerce, products and related services to the global promotional products industry, comprising two differentiated businesses, Facilisgroup and Brand Addition, focused on specific areas of the promotional products market. For further information, please visit www.thepebblegroup.com.

Mark Dickinson, CEO, gives an overview of Inspired's interim results for the period ending 30th June 2024. 00:00 Opening 00:23 Overview 00:53 Financial highlights 01:28 Ignite Deed of Variation 02:00 Divisional performance: Assurance Services 02:38 Divisional performance: ESG Services 03:28 Divisional performance: Optimisation Services 05:20 Divisional performance: Software Services 05:50 Summary & Outlook Inspired PLC is a United Kingdom-based technology enabled service provider supporting businesses in their drive to reduce energy consumption, deliver net-zero, control energy costs and manage their response to climate change. Its segments include Assurance, Optimisation, Software and ESG. Assurance segment provides services that include the review, analysis and negotiation of gas and electricity contracts on behalf of clients in the United Kingdom and Ireland. Optimisation segment is focused on the optimisation of a client's energy consumption and provides services that include forensic audits, energy efficiency projects and water solutions. Software segment comprises the provision of energy management software to third parties. ESG segment manages the data collection and validation of consumption data to provide the resources for the creation of mandatory ESG disclosures, such as Streamlined Energy and Carbon Reporting and Task Force on Climate related Financial Disclosures reporting.

Tribal Group CEO, Mark Pickett & CFO, Diane McIntyre present interim results for the six months ended 30 June 2024. 00:00 Opening Mark Pickett, CEO 00:18 Introduction to Tribal 01:40 H1 overview 03:52 New wins & successful implementations Diane McIntyre, CFO 06:33 Financial performance summary 08:38 Segments: SIS & ETIO 12:33 Cashflow 14:07 Summary of financial performance Mark Pickett, CEO 14:50 The strategy 23:23 Summary & Outlook for H2 2024 Tribal Group plc is a pioneering world-leader of education software and services. Its portfolio includes Student Information Systems; a broad range of education services covering quality assurance, peer review, benchmarking and improvement; and student surveys that provide the leading global benchmarks for student experience. Working with Higher Education, Further and Tertiary Education, schools, Government and State bodies, training providers and employers, in over 55 countries; Tribal Group’s mission is to empower the world of education with products and services that underpin student success.

H&T Group CEO, Chris Gillespie and CFO, Diane Giddy present the group's results for the six months ended 30 June 2024, followed by Q&A. Chris Gillespie, CEO 00:16 - Introduction 00:34 - H1 Overview 01:36 - About H&T Group 03:27 - Product offering & profit contribution 03:59 - Physical stores & digital platform Diane Giddy, CFO 05:13 - H1 Financial summary 07:54 - Income statement 08:53 - Balance sheet 09:58 - Cashflow 10:49 - Segmental performance Chris Gillespie, CEO 17:33 - Maxcroft acquisition 19:29 - Store estate 23:41 - Retail strategy 26:22 - Macroeconomic factors 27:21 - H&T investment case 29:46 - Summary & outlook 31:55 - Q&A H&T is the UK's largest pawnbroker, a leading retailer of high quality new and pre-owned jewellery and pre-owned watches and provides a range of financial products tailored for a customer base which has limited access to or is excluded from the traditional banking sector. These products include Pawnbroking, Retail and Foreign Currency. H&T's store estate of over 280 stores across the UK provide customers with small-sum short-term non-recourse pawnbroking loans secured by pledged personal property, which consists primarily of gold, jewellery items and watches. H&T also buys and sells new and pre-owned gold, jewellery items and watches along with providing foreign currency exchange, international money transfer, third-party cheque encashment and watch repair services to its customers. H&T is regulated by the Financial Conduct Authority for its pawnbroking activities. H&T's common stock (ticker symbol "HAT") is traded on AIM, which is the London Stock Exchange's market for small and medium size growth companies. For more information regarding H&T and the services the Group offers, please visit H&T's website at http://handt.co.uk.

Secure Trust Bank CEO, David McCreadie and CFO, Rachel Lawrence present their results for the six months to 30 June 2024, followed by Q&A. David McCreadie, CEO 00:22 - Introduction 01:01 - H1 2024 overview Rachel Lawrence, CFO 08:02 - Income statement 09:42 - Net interest margin 1!:04 - Cost of funds 11:39 - Operating expenses 12:42 - Project Fusion cost savings 13:35 - Impairment charges and provisions 16:34 - Balance sheet 17:53 - Capital 18:14 - Funding and Liquidity David McCreadie, CEO 18:50 - Strategic focus 19:11 - Strategic progress 23:53 - Retail Finance 25:39 - Vehicle Finance 27:05 - Real Estate Finance 28:13 - Commercial Finance 29:43 - Savings 30:44 - Summary and outlook 32:48 - Q&A Secure Trust Bank PLC is a United Kingdom-based retail bank. The Company’s segments include Real Estate Finance, Commercial Finance, Vehicle Finance and Retail Finance. Real Estate Finance is engaged in lending secured against property assets to a maximum 70% loan-to-value ratio, on fixed or variable rates over a term of up to five years. Commercial Finance is engaged in lending predominantly against receivables, typically releasing 90% of qualifying invoices under invoice discounting facilities. Other assets can also be funded either long or short-term and for a range of loan-to-value ratios alongside these services. Vehicle Finance include hire purchase lending for used cars to prime and near-prime customers and Personal Contract Purchase lending into the consumer prime credit market, both secured against the vehicle financed. Retail Finance provides online e-commerce service to retailers, providing unsecured lending products to prime United Kingdom customers.

David McCreadie, CEO gives an overview of the interim results for the period ending 30th June 2024. 00:26 Summary of the period 01:26 Highlights 02:23 Efficiencies & cost saving targets 03:10 Risk adjusted margins 03:50 Tangible book value & dividend 04:10 Strategic progress 06:16 Retail Finance 07:03 Vehicle Finance 07:32 Business Finance 08:09 Commercial Finance 08:47 Savings capability to support lending 09:17 Outlook Secure Trust Bank PLC is a United Kingdom-based retail bank. The Company’s segments include Real Estate Finance, Commercial Finance, Vehicle Finance and Retail Finance. Real Estate Finance is engaged in lending secured against property assets to a maximum 70% loan-to-value ratio, on fixed or variable rates over a term of up to five years. Commercial Finance is engaged in lending predominantly against receivables, typically releasing 90% of qualifying invoices under invoice discounting facilities. Other assets can also be funded either long or short-term and for a range of loan-to-value ratios alongside these services. Vehicle Finance include hire purchase lending for used cars to prime and near-prime customers and Personal Contract Purchase lending into the consumer prime credit market, both secured against the vehicle financed. Retail Finance provides online e-commerce service to retailers, providing unsecured lending products to prime United Kingdom customers.

Hill & Smith Executive Chair, Alan Giddins and Chief Financial Officer, Hannah Nichols present the group’s results for the six months ended 30 June 2024. Alan Giddins, Executive Chair 00:16 – H1 2024 highlights Hannah Nichols, Chief Financial Officer 02:25 – H1 2024 financial highlights 04:15 – Group Overview 05:23 – Divisional performance 12:16 – Cash generation 14:28 – Financial framework Alan Giddins, Executive Chair 15:46 – US end markets 19:49 – M&A update 22:07 – Investment case 24:20 – Outlook Hill & Smith PLC is a leading provider of sustainable infrastructure products and services. The Group employs c.4,500 people worldwide with the majority employed by its autonomous, agile, customer focussed operating businesses based in the UK, USA, Australia and India. The Group office is in the UK and Hill & Smith PLC is quoted on the London Stock Exchange (LSE: HILS.L). The Group’s operating businesses are organised into three main business divisions: Galvanizing Services: increasing the sustainability and maintenance free life of steel products including structural steel work, lighting, bridges and other products for industrial and infrastructure markets. Engineered Solutions: supplying engineered steel and composite solutions for a wide range of infrastructure markets including power generation and distribution, marine, rail and housing. The division also supplies engineered pipe supports for the water, power and liquid natural gas markets and seismic protection solutions. Roads & Security: supplying products and services to support road and highway infrastructure including temporary and permanent road safety barriers, intelligent traffic solutions, street lighting columns and bridge parapets. In addition, the division includes two businesses which are market leaders in the provision of off-grid solar lighting and power solutions. The security portfolio includes hostile vehicle mitigation solutions, high security fencing and automated gate solutions.

NWF Group CEO, Chris Belsham and CFO, Katie Shortland present the group's results for the year ended 31 May 2024. Chris Belsham, CEO 00:16 - Introduction 02:32 - Full Year highlights 03:56 - Operating highlights Katie Shortland, CFO 10:43 - Income statement 14:29 - Balance sheet 15:47 - Pension summary 16:28 - Cash flow 17:04 - Net debt Chris Belsham, CEO 17:50 - Purpose, Mission and Values 19:34 - ESG 20:08 - Strategy 23:00 - M&A Katie Shortland, CFO 26:25 - Lymedale warehouse investment Chris Belsham, CEO 28:31 - Investment case 29:18 - Summary and outlook NWF Group plc is a specialist distributor of fuel, food, and feed across the United Kingdom. The principal activities of the Company and its subsidiaries are the sale and distribution of fuel oils, the warehousing and distribution of ambient groceries, and the manufacture and sale of animal feeds. The Company’s segments include Fuels, Food, and Feeds. The Fuels segment is engaged in the sale and distribution of domestic heating, industrial and road fuels. The Food segment is engaged in the warehousing and distribution of clients’ ambient grocery and other products to supermarkets and other retail distribution centers. The Feeds segment is engaged in the manufacture and sale of animal feeds and other agricultural products. The Company operates through its subsidiaries, which include NWF Agriculture Limited, New Breed (UK) Limited, Boughey Distribution Limited, and NWF Fuels Limited. Information for investors, including analyst consensus forecasts, can be found on the Group’s website at www.nwf.co.uk .

Creightons Group Managing Director, Pippa Clark and Director of Finance, Qadeer Mohammed present the group’s results for the year ended 31 March 2024. Followed by a Q&A session with them both and Martin Stevens, Group Manufacturing Director/Deputy MD & Paul Forster, Non-exec Chairman. 00:00 – Opener Pippa Clark, Group Managing Director 00:16 – Introduction 00:40 – Overview of Creightons 02:42 – FY24 Financial highlights 03:17 – FY24 Operational highlights Qadeer Mohammed, Director of Finance 05:16 – FY24 financial summary 07:29 – Revenue 09:22 – Operating profit 10:41 – Cash generation 11:59 – Working capital 12:55 – Impairment of Emma Hardie brand value 13:48 – Dividend Pippa Clark, Group Managing Director 14:21 – Strategy 14:36 – Private label development 16:16 – Development of core brands 20:04 – Expansion with new brands 20:55 – R&D Investment 22:51 – Digital sales 25:12 – Manufacturing strategy 26:16 – ESG targets 27:07 – Summary and outlook 29:03 – Q&A Creightons plc is engaged in the development, marketing and manufacture of toiletries and fragrances. The Company operates through three business streams: private label business, contract manufacturing business and branded business. Its private label business focuses on private label products for high street retailers and supermarket chains. Its contract manufacturing business develops and manufactures products on behalf of third party brand owners. Its branded business develops, markets, sells and distributes products it has developed and owns the rights to. Its product portfolio includes bath and shower care, haircare, body care, baby and maternity, and fragrances, among others. Its services include market analysis, creative concept generation, product development, brand development, manufacturing and logistics. Its brands include Frizz No More, Volume Pro, Argan Body, Argan Smooth, Keratin Pro, Perfect Hair, Bronze Ambition, Sunshine Blonde, Beautiful Brunette and Just Hair.

SThree CEO, Timo Lehne, CFO, Andy Beach, Chief Legal Officer, Kate Danson and Client Director, Rakesh Patel provide an overview of the group's Employed Contractor Model (ECM) offering, outlining the demand for employed contractors, the details of providing the service, and the impact of the Technology Improvement Programme (TIP) on this segment of the business. Timo Lehne, CEO 00:16 - Introduction 03:48 - SThree's resourcing solutions Rakesh Patel, Client Director 09:09 - ECM Structural growth drivers 11:14 - Case studies 12:24 - ECM Growth Kate Danson, Chief Legal Officer 14:10 - Regulatory complexity & risk mitigation 16:59 - Infrastructure requirements Andy Beach, CFO 18:22 - Financial dynamics 20:07 - Technology Improvement Programme (TIP) impact  Timo Lehne, CEO 21:23 - M&A opportunities 22:39 - Key takeaways SThree plc brings skilled people together to build the future. We are the only global specialist talent partner focused on roles in Science, Technology, Engineering and Mathematics ('STEM'), providing permanent and flexible contract talent to a diverse base of over 7,200 clients across 11 countries. Our Group's c.2,600 staff cover the Technology, Life Sciences and Engineering sectors. SThree is part of the Industrial Services sector. We are listed on the London Stock Exchange's Main Market, trading with ticker code STEM.