H&T Group CEO, Chris Gillespie and CFO, Diane Giddy present full year results for the for the twelve months ended 31 December 2023, followed by Q&A. Chris Gillespie, CEO00:16 - Introduction01:14 - Overview04:41 - Investment case05:16 - FY23 Financial highlights06:42 - FY23 Strategic progress07:40 - Store metrics Diane Giddy, CFO08:12 - Income statement09:30 - Balance sheet11:31 - Cashflow statement12:17 - Segmental performance Chris Gillespie, CEO14:49 - Business focus & Outlook20:13 - Acquisition of Maxcroft Securities Limited 22:53 - Q&A H&T Group plc is a United Kingdom-based non-trading holding company. The principal activities of the Company and its subsidiaries include pawnbroking, gold purchasing, retail of new and pre-owned jewelry and watches, cheque cashing, unsecured lending, and other related services operated through Harvey & Thompson Limited. Its segments include pawnbroking, gold purchasing, retail, pawnbroking scrap, personal loans, foreign exchange and other services. The pawnbroking segment is engaged in providing secured loans against collateral (the pledge). Its gold purchasing segment is engaged in buying jewelry directly from customers through its stores. The retail segment is engaged in retail sales of primarily gold, jewelry and watches, and the retail sales are forfeited items from the pawnbroking pledge book or refurbished items from its gold purchasing operations. Its pawnbroking scrap segment consists of gold scrap sales of its inventory assets other than those reported within gold purchasing.