Q3 2020 International Personal Finance PLC Trading Statement Call Transcript
Welcome to International Personal Finance's Q3 2020 Trading Update Call for Investors. Today, your host is Gerard Ryan, Chief Executive Officer; and he is also joined by Chief Financial Officer Justin Lockwood. Today's conference is being recorded.
I will now hand the call over to Gerard. Please go ahead.
Thank you, Marian. Good morning, everybody, and welcome to our Q3 trading update call. As Marian said, I'm joined this morning by Justin Lockwood, our CFO.
Now hopefully, you've had a chance to read our Q3 trading update, which we published earlier this morning. In addition, we also issued a second statement explaining the launch of an exchange offer for our 2021 Eurobond and a consent solicitation process for our sterling and Swedish krona bonds.
In the call this morning, I'll cover our improving trading performance and our return to profitability, and I'll also provide some color around the refinancing process. As usual, we will have plenty of
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