Half Year 2024 Heartland Group Holdings Ltd Earnings Call Transcript
(spoken in foreign language) Good morning and welcome. I'm Jeff Greenslade, the Chief Executive of the Heartland Group, here to present first-half results for FY 2024. I'm joined here by Chris Flood, who's the Deputy CEO who is oversight of our Australian businesses; Leanne Lazarus, who's the Heartland Bank CEO; and Andrew Dixson, who's the Chief Financial Officer for the group.
So picking up on page 5 of the deck, the first-half results reflect both some adverse performances, which were of a largely one-off nature, but alongside there were some very positive performance, which by way of contrast, were a sustainable nature.
Starting first with the adverse aspects of the half year. In December, we gave a re-forecast to guidance. It's one of the first times we had to do that, and it was a result of a confluence of mostly unrelated one-off components. And this runs through the four elements that gave rise to that we forecast.
Firstly, there was the previously signaled impact of costs
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