Alliance Data Systems(BFH) - 2024 Q4 - Earnings Call Presentation

Fourth quarter and full year 2024 results January 30, 2025 © 2 0 2 2 B r e a d F i n a n c i a l | C o n f i d e n t i a l & P r o p r i e t a r y 1 2024 achievements Delivered responsible growth Adapted to macroeconomic and regulatory environments Strengthened our balance sheet Drove operational excellence and technology advancement Achieved full year 2024 financial targets | | Full year | Full year | | --- | --- | --- | | | 2024 outlook | 2024 actuals | | Average loans | Down low single digits | -1% | | R ...