PIWORLD Investor Podcasts

H&T Chief Executive, Chris Gillespie and CFO, Diane Giddy, present interim results for the six months ended 30 June 2023. H&T Group is the largest pawnbroker and leading retailer of high-quality new and pre-owned jewellery and watches. Chris Gillespie, Chief Executive 00:18 Introduction 00:45 H&T at a glance 02:50 Breakdown by profit 03:20 Headline achievements 05:38 Financial headline summary Diane Giddy, CFO 07:00 Segmental profits 07:54 Income statement 08:50 Operating costs 10:43 Operational leverage 11:05 Balance sheet 11:43 Cash flow statement 12:39 Segmental results Chris Gillespie, Chief Executive 16:38 Store metrics 18:35 Investment strategy 21:00 ESG 22:03 Business focus & outlook 23:41 H&T investment case 26:00 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.

Hill & Smith Executive Chair, Alan Giddins and Group Chief Financial Officer, Hannah Nichols present interim results for the six months ended 30 June 2023. The group saw a record trading performance with group revenue up 9% and operating profit up 20% on an organic constant currency basis. Alan Giddins, Executive Chair 00:16 – H1 Highlights Hannah Nichols, Group Chief Financial Officer 02:08 – H1 financial highlights 03:28 – Group overview 04:38 – Divisional performance 11:07 – Cash Generation 12:49 – ESG 13:37 – Financial framework Alan Giddins, Executive Chair 14:53 – US Industrial exansion 16:21 – M&A update 20:08 – Investment case 21:04 – Outlook Hill & Smith PLC is a leading provider of sustainable infrastructure products and services The Group employs c.4,250 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 with low embodied energy 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.

David McCreadie, CEO gives an overview of Secure Trust Bank’s 2023 Interim results and an outlook for the rest of the year. 00:16 – STB and the Macro Backdrop 01:23 – Highlights for the period 04:14 – Growth strategy 05:48 – Performance by each business 08:18 – Summary and outlook Secure Trust Bank PLC is a United Kingdom-based retail bank. The Company operates through four segments: Real Estate Finance, Commercial Finance, Vehicle Finance and Retail Finance. Its Real Estate Finance segment is engaged in lending on portfolios of residential property as well as the development of new build property. Commercial Finance segment offers lending, which is predominantly against receivables, that is qualifying invoices under invoice discounting and factoring services. Its Vehicle Finance segment offers hire purchase lending for used cars primarily to prime and near-prime customers, and personal contract purchase lending into the consumer prime credit market, both secured against the vehicle financed. Its Retail Finance segment offers online service to retailers, providing unsecured prime lending products to the United Kingdom customers of its retail partners to facilitate the purchase of a range of consumer products. www.securetrustbank.co.uk Video produced by BRR Media. Distributed by PIWORLD.

NWF Group Chief Executive Richard Whiting and Chief Executive designate/CFO Chris Belsham present final results for the year ended 31 May 2023. The group saw record revenues, with robust levels of profitability. Richard Whiting, Chief Executive 00:16 - Introduction 02:18 - FY23 highlights 03:54 - Operating highlights Chris Belsham, Chief Executive designate/CFO 08:28 - Income statement 10:37 - Balance sheet 11:33 - Pension summary 12:22 - Cashflow Richard Whiting, Chief Executive 13:43 - Development strategy Chris Belsham, Chief Executive designate/CFO 15:41 - Fuel development strategy 17:45 - Food development strategy 18:48 - Feed development strategy Richard Whiting, Chief Executive 19:43 - ESG 20:38 - Investment case 22:10 - Summary and Outlook 23:01 - Q&A 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 .

Stephen Hemsley, Executive Chairman, Peter Molloy, CEO, B2B division, Jason Sayers, CEO, Filta International and Alex McNutt, CEO, Pirtek Europe present interim results for the six months ended 30 June 2023. Stephen Hemsley, Executive Chairman 00:16 - Introduction 01:29 - H1 23 Highlights 03:09 - Strategic Developments Peter Molloy, CEO, B2B Division 05:24 - B2B Division overview 09:59 - B2B Division performance Jason Sayers, CEO, Filta International 12:51 - FiltaMax strategy 16:09 - Waste Oil sales 17:09 - Filta International performance Alex McNutt, CEO, Pirtek Europe 18:49 - Pirtek Europe overview 23:25 - Pirtek Europe performance Stephen Hemsley, Executive Chairman 26:38 - B2C division overview 28:35 - P&L Statement 31:31 - Adjusted EPS and dividend 32:24 - Cashflow 34:57 - Corporate governance 36:00 - Corporate development and capital allocation 37:14 - Summary and Outlook Franchise Brands is an international, multi-brand franchisor focused on building market-leading businesses primarily via a franchise model. The Group has a combined network of 648 franchisees across seven franchise brands in ten countries covering the UK, North America and Europe. Franchise Brands' focus is on B2B van-based reactive and planned services. The Company owns several market-leading brands with long trading histories, including Pirtek in Europe, Filta, Metro Rod and Metro Plumb, all of which benefit from the Group's central support services, particularly technology, marketing, and finance. At the heart of Franchise Brands' business-building strategy is helping its franchisees grow their businesses: "if they grow, we grow". Franchise Brands employs some 715 people across the Group. For further information, visit www.franchisebrands.co.uk

SThree CEO, Timo Lehne and CFO, Andrew Beach present half-year results for the six months ended 31 May 2023. Resilient performance in H1 driven by their contract business. Timo Lehne, CEO 00:16 - Introduction 02:02 - HY23 Highlights Andrew Beach, CFO 04:01 - Net Fee performance 05:07 - HY23 Financial performance 09:39 - Net fees by product type 10:33 - Net fees by skill & region 11:41 - HY23 Productivity 12:23 - Technology improvement programme spend 13:09 - Operating profit & Cash performance 14:23 - Dividend 14:40 - Contractor order book 15:27 - Financial summary Timo Lehne, CEO 16:17 - Strategic pillars 16:16 - Regions 17:54 - Technology improvement programme 22:36 - People 23:52 - Market position 24:27 - ESG 25:54 - Outlook SThree plc brings skilled people together to build the future. We are the only global specialist talent partner focused on roles in STEM, providing permanent and flexible contract talent to a diverse base of over 8,200 clients across 14 countries. Our Group's c.2,800 staff cover the Technology, Life Sciences and Engineering sectors. SThree is part of the Industrial Services sector. We are listed on the Premium Segment of the London Stock Exchange's Main Market, trading with ticker code STEM.

James Dow, CEO & Nicole Burstow, CFO present full year 2023 results, followed by Q&A. James Dow, CEO & Nicole Burstow, CFO 00:17 Introduction James Dow, CEO 01:10 Overview of DSW 01:53 Investment case Nicole Burstow, CFO 02:34 Current service lines 04:30 DSW licence model 06:04 Licence model strengths 08:38 Central initiatives 11:23 FY23 performance highlights 13:35 Income statement 15:06 Balance sheet 15:41 Cash flow 16:34 Network KPI’s James Dow, CEO 17:52 Opportunities for growth 18:47 DSW Bridgewood 20:12 Target acquisition service lines 21:18 Recruitment pipeline 23:36 ESG 24:23 Summary 26:00 Outlook 26:44 Q&A DSW Capital plc (DSW) is a United Kingdom-based company, which operates as a mid-market, challenger professional services license network. The principal activity of the Company and its subsidiary, DSW Services LLP, is the licensing of the Dow Schofield Watts brand and associated brand names for use in the professional services sector. It operates licensing arrangements with 20 licensee businesses and 97 fee earners, across seven offices in England and two in Scotland, which primarily trade under the Dow Schofield Watts brand. Its United Kingdom market comprises approximately 5,000 professional services firms, which divided into three segments Big 4, mid-market and high-street. The Company offers a range of services, which includes ABL risk management, business planning, business recovery, corporate finance advice, debt advisory, DSW ventures, equity finance, financial due diligence, forensic services, industrial property solutions, tax advisory, valuation services, and wealth planning.

Ali Hall & Julie Lavington, Co-CEOs & Co-Founders, and Steve Dilks, CFO, present final results for the year ended 31 March 2023, followed by Q&A. Julie Lavington, Joint CEO 00:16 - Introduction 00:51 - FY23 Highlights Steve Dilks, CFO 02:58 - Net revenue & PBT 04:04 - Gross Profit 05:14 - Overheads 08:55 - Website performance 10:31 - Income statement & balance sheet Ali hall, Joint CEO 13:41 - Growth intiatives 15:05 - Product range Julie Lavington, Joint CEO 15:33 - DTC Optimisation Ali hall, Joint CEO 18:37 - Mobile App development Julie Lavington, Joint CEO 19:43 - Online routes to market Ali hall, Joint CEO 20:47 - In-store routes to market Julie Lavington, Joint CEO 22:16 - International Expansion 23:16 - Summary & Outlook 24:35 - Q&A Sosandar is one of the fastest growing women's fashion brands in the UK targeting style conscious women who have graduated from price-led alternatives. The Company offers this underserved audience fashion-forward, affordable, quality clothing to make them feel sexy, feminine, and chic. The business sells predominantly own-label exclusive product designed in-house. Sosandar's product range is diverse, providing its customers with an array of choice for all occasions across all women's fashion categories. The company sells through Sosandar.com and has brand partnerships in place with Next, John Lewis, Marks & Spencer, The Very Group, JD Williams and J Sainsbury. Sosandar's strategy is to continue growing brand awareness and expand its customer database, whilst also further driving its high levels of customer retention. This is achieved through its exceptional products, seamless customer experience and impactful, lifestyle marketing activities all of which is underpinned by combining innovation with data analysis. Sosandar was founded in 2016 and listed on AIM in 2017. More information is available at www.sosandar-ir.com

Wynnstay CEO, Gareth Davies, and Finance Director, Paul Roberts present interim results for the six months ended 30 April 2023, followed by Q&A. Gareth Davies, CEO 00:16 - introduction 01:00 - Business overview 08:33 - H1 23 Highlights Paul Roberts, Finance Director 12:20 - H1 23 Financial highlights 15:46 - Financial track record 16:10 - Cash flow & Net debt 17:35 - Segmental performance Gareth Davies, CEO 17:46 - Trading environment 20:27 - Agriculture division 27:19 Speciallist Agricultural Merchanting division 29:35 - Growth strategy Paul Roberts, Finance Director 30:30 - Investment Gareth Davies, CEO 33:10 - ESG 37:39 - Summary & Outlook 39:04 - Q&A Wynnstay Group Plc is a United Kingdom-based manufacturer and supplier of agricultural products in the United Kingdom. The Company has two segments. The Agriculture segment offers animal nutrition products to the agricultural market; and seeds, fertilizers, and agricultural chemicals to arable and grassland farmers, as well as markets grains. The Specialist Agricultural Merchanting segment supplies a range of specialist products to farmers, smallholders and pet owners. It supplies feeds and nutrition products for a number of sectors including, dairy, beef, sheep, pig and poultry, with a range of products to suit the needs of individual farmers. It is a producer of cereal seeds and a range of grass seed mixtures in the United Kingdom. It supplies fertilizer in the United Kingdom. Its subsidiaries include Glasson Group (Lancaster) Limited, Glasson Grain Limited, Wynnstay (Agricultural Supplies) Limited, Youngs Animal Feeds Limited, GrainLink Limited and Tamar Milling Limited (Tamar).

Begbies Traynor Executive Chairman, Ric Traynor and Group Finance Director Nick Taylor present final results for the year ended 30 April 2023. Ric Traynor, Executive Chairman 00:16 - Introduction 01:22 - FY23 Highlights Nick Taylor, Group Finance Director 02:17 - FY23 Financial Highlights 04:01 - Per sector performance 10:24 - Cashflow 11:01 - Financial outlook Ric Traynor, Executive Chairman 12:12 - Market opportunity & position 18:00 - Case study 19:49 - Service offering 21:21 - Growth strategy 22:59 - Financial track record 23:36 - Summary 24:28 - Q&A Begbies Traynor Group plc is a leading professional services consultancy, providing services from a comprehensive network of UK and off-shore locations. Our professional team include licensed insolvency practitioners, accountants, chartered surveyors, bankers and lawyers. We provide the following services to our client base of corporates, financial institutions, the investment community and the professional community.