Full Year 2021 Heartland Group Holdings Ltd Earnings Call Transcript
Good morning, everyone, and welcome to the Heartland Group FY '21 Full Year Results. (Operator Instructions)
I would like to turn the conference over now to Jeff Greenslade. Please go ahead, sir.
(foreign language) Good morning, and welcome, everybody, and thank you for participating in this presentation of our results. I am Jeff Greenslade, the Chief Executive of the Heartland Group. I'm joined by the Chief Executive of the Heartland Bank, Chris Flood; and the Chief Financial Officer of the group, Andrew Dixson.
I'm going to start by taking you through some of the highlights of the results and of the year's performance. I'll then hand over to Andrew Dixson who will take you through the detail of the results. And then Chris Flood will give divisional reports, and then I will close with some strategic summary.
So the result came in at $87 million in terms of NPAT, which was just under 21% above the previous year, but recalling
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