Full Year 2020 Amigo Holdings PLC Earnings Call Transcript
Ladies and gentlemen, welcome to the Amigo Full Year Results Call. My name is Adam, and I'll be the operator for the call today. (Operator Instructions) I would now like to hand over to your host for today's session, Roger Lovering, acting Chairman. Roger, if you'd like to go ahead, please.
Thank you. Good morning, and thank you for joining us for Amigo Holdings financial results for the year to March 2020. I'm Roger Lovering, Acting Chair of Amigo; and on the line also is our Chief Financial Officer, Nayan Kisnadwala; and Chief Regulatory and Public Affairs Officer, Nick Beal.
In a moment, Nayan will take you through the numbers, and Nick will then give a brief update on the regulatory environment before I close the presentation, and we open the floor to questions.
The financial year 2020 and the period since the year-end has been challenging, and that is reflected in today's results. During the year, we faced 3 main challenges: a
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