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International Personal Finance plc
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Company Information
Address: Number Three Leeds City Office Park
Meadow Lane
Leeds
LS11 5BD
Index: To continue showing the FTSE index and sector information we need a license from FTSE International Limited. Will anyone sponsor us to return this data to the site.
Tel: (0)113 285 6700 Sector:
Fax:
E-Mail: investors@ipfin.co.uk Epic:
Secretary: Ben Murphy    
Registrar: Capita Registrars Beckenham Ltd Updated: 9/04/2014

News from RSS Feed

Mon, 25 Apr 2016 00:00:00 GMT

Provident Polska recognised for CSR practices

Provident Polska, one of Poland’s leading providers of home credit and part of the International Personal Finance (IPF) group, has been commended for its ethics, values and corporate social responsibility (CSR) activities by one of the country’s top business and finance newspapers. Provident, one of only 15 organisations recognised in this year’s index, received the prestigious Ethical Company Award from Polish daily Puls Biznesu; the second time the company has been recognised for its high level of engagement in this area. The Ethical Company Award is an annual title given to Polish companies successfully strengthening their internal culture through the promotion of ethics and sustainable development policies, with a particular focus on the fields of corporate governance, CSR, reputation and leadership. Entrants are required to undergo a two-stage qualification process, audited by PwC, with this year’s awards seeing over 190 companies narrowed down to just 15 winners, including PKO BP, Orange, Siemens, Johnson & Johnson and Cemex. Provident Polska was also recently named as one of Poland’s leading employers for the fourth year in a row by the Top Employers Institute; an award which commended the company’s friendly, supportive and progressive working environment and an open corporate culture. David Parkinson, Country Manager of IPF’s Polish business, Provident Polska, said: “We are really pleased to be named as one of Poland’s most ethical organisations for the second time. This award, along with our recent success in being named a top Polish employer, demonstrates Provident’s on-going commitment and active engagement in building a culture based on a strong set of ethics and values and the highest workplace standards.” Provident Polska is a leading provider of home credit in Poland. Over 2,000 employees and more than 8,000 agents provide loans responsibly to people who want to borrow small sums and repay in manageable, affordable amounts. At the end of 2015 the Polish-Lithuanian business had 832,000 customers. Ends Investor relations and media contacts: International Personal Finance Rachel Moran - Investor Relations +44 (0)7760 167637 / +44 (0)113 285 6798 Nick Jones – Media +44 (0)7876 138581 / +44 (0)113 2856815 FTI Consulting Neil Doyle +44 (0)20 3727 1141 / +44 7771 978 220 Jess Colman +44 20 3727 1102 / +44 7515 597868

Company Overview

International Personal Finance aims to be a leading provider of simple, fair and transparent financial products and services. They aim to be recognised around the world as the human face of finance, particularly to people of modest means. They seek to grow our business in markets around the world where there is a significant need for our products and services. This, in turn, generates added value for our investors and development opportunities for our people.

Established in 1997 as a division of Provident Financial, they've achieved rapid, organic growth. Today, they're a profitable, dynamic FTSE 250 business with 5,600 employees, 28,300* home credit representatives and a clear strategy for growth and increasing profitability.

 
Annual Reports
Description Report Date Published Current  
bullet point Annual Report 2013 in PDF 31/12/2013 26/02/2014 Yes  
bullet point Annual Report 2012 in PDF 31/12/2012 6/03/2013 No  
bullet point Annual Report 2011 in PDF 31/12/2011 24/02/2012 No  
bullet point Annual Report 2010 in PDF 31/12/2010 2/03/2011 No  
bullet point Annual Report 2009 in PDF 31/12/2009 3/03/2010 No  
bullet point Annual Report 2008 in PDF 31/12/2008 23/03/2009 No  
bullet point Annual Report 2007 in PDF 31/12/2007 31/03/2008 No  
 
Interim Reports
Description Report Date Published Current  
bullet point Interim Results 2013 in PDF 30/06/2013 30/07/2013 Yes  
bullet point Interim Results 2012 in PDF 30/06/2012 24/07/2012 No  
bullet point Interim Results 2011 in PDF 30/06/2011 20/07/2011 No  
bullet point Interim Results 2010 in PDF 30/06/2010 22/07/2010 No  
bullet point Interim Results 2009 in PDF 30/06/2009 23/07/2009 No  
bullet point Interim Results 2008 in PDF 30/06/2008 23/07/2008 No  
 
Other Links
Description
bullet point Home
bullet point Site Map
bullet point Investor Relations
bullet point Events Calendar
bullet point Results Index
bullet point Press Releases
bullet point Contacts
bullet point RSS News Feed
       
Dividend History
Type Payment Date Dividend
Final 9/05/2014 5.5 p
Interim 4/10/2013 3.8 p
Final 3/05/2013 4.51 p
Interim 5/10/2012 3.23 p
Final 1/06/2012 4.1 p
Interim 7/10/2011 3 p
Final 20/05/2011 3.74 p
Interim 8/10/2010 2.53 p
Final 21/05/2010 3.4 p
Interim 2/10/2009 2.3 p
Final 22/05/2009 3.4 p
Interim 3/10/2008 2.3 p
Final 23/05/2008 2.85 p
Interim 19/10/2007 1.9 p

News from RSS Feed

Mon, 25 Apr 2016 00:00:00 GMT

Provident Polska recognised for CSR practices

Provident Polska, one of Poland’s leading providers of home credit and part of the International Personal Finance (IPF) group, has been commended for its ethics, values and corporate social responsibility (CSR) activities by one of the country’s top business and finance newspapers. Provident, one of only 15 organisations recognised in this year’s index, received the prestigious Ethical Company Award from Polish daily Puls Biznesu; the second time the company has been recognised for its high level of engagement in this area. The Ethical Company Award is an annual title given to Polish companies successfully strengthening their internal culture through the promotion of ethics and sustainable development policies, with a particular focus on the fields of corporate governance, CSR, reputation and leadership. Entrants are required to undergo a two-stage qualification process, audited by PwC, with this year’s awards seeing over 190 companies narrowed down to just 15 winners, including PKO BP, Orange, Siemens, Johnson & Johnson and Cemex. Provident Polska was also recently named as one of Poland’s leading employers for the fourth year in a row by the Top Employers Institute; an award which commended the company’s friendly, supportive and progressive working environment and an open corporate culture. David Parkinson, Country Manager of IPF’s Polish business, Provident Polska, said: “We are really pleased to be named as one of Poland’s most ethical organisations for the second time. This award, along with our recent success in being named a top Polish employer, demonstrates Provident’s on-going commitment and active engagement in building a culture based on a strong set of ethics and values and the highest workplace standards.” Provident Polska is a leading provider of home credit in Poland. Over 2,000 employees and more than 8,000 agents provide loans responsibly to people who want to borrow small sums and repay in manageable, affordable amounts. At the end of 2015 the Polish-Lithuanian business had 832,000 customers. Ends Investor relations and media contacts: International Personal Finance Rachel Moran - Investor Relations +44 (0)7760 167637 / +44 (0)113 285 6798 Nick Jones – Media +44 (0)7876 138581 / +44 (0)113 2856815 FTI Consulting Neil Doyle +44 (0)20 3727 1141 / +44 7771 978 220 Jess Colman +44 20 3727 1102 / +44 7515 597868
Mon, 04 Apr 2016 00:00:00 GMT

Provident Polska named one of Poland’s top employers for fourth year in a row

Provident Polska, one of Poland’s leading providers of home credit and part of the International Personal Finance (IPF) group, is delighted to announce that it has been named as one of the country’s leading employers for the fourth year in a row. Provident is one of a prestigious group of just 39 employers awarded the title in 2016, including Orange, T-Mobile and ING, and was presented with the accolade by the Top Employers institute at a recent ceremony in Warsaw. Assessing companies across nine separate areas - including talent development, training, HR policies, culture and remuneration - the Top Employers Institute recognises companies striving to reach the highest workplace standards. The award underlines Provident’s on-going commitment to providing a friendly, supportive and progressive working environment and an open corporate culture. “We are very proud to be named amongst the best Polish employers for the fourth time,” said David Parkinson, Country Manager of IPF’s Polish business, Provident Polska. “This award reiterates our leading market position and demonstrates that our long-term HR strategy is providing all our employees with the best possible support and opportunities for career and personal development.” Provident Polska is a leading provider of home credit in Poland. Over 2,000 employees and more than 8,000 agents provide loans responsibly to people who want to borrow small sums and repay in manageable, affordable amounts. At the end of 2015 the Polish-Lithuanian business had 832,000 customers. Ends Investor relations and media contacts: International Personal Finance Rachel Moran - Investor Relations +44 (0)7760 167637 / +44 (0)113 285 6798 Nick Jones – Media +44 (0)7876 138581 / +44 (0)113 2856815 FTI Consulting Neil Doyle +44 (0)20 3727 1141 / +44 (0)7771 978 220 Jess Colman +44 20 3727 1102 / +44 7515 597868
Tue, 22 Mar 2016 00:00:00 GMT

IPF builds digital expertise with CIO appointment

22 March 2016 – International Personal Finance (IPF), a leading international provider of consumer credit, is pleased to announce the appointment of Chris Robinson as Chief Information Officer (CIO). Chris, who joined the company on 21 March, will be responsible for leading the digital transformation of the business. Chris joins IPF from American Express, where he held the role of Vice President and Chief Technology Officer for the Middle East and Africa.  In this role he was responsible for leading and developing the IT function across 23 countries. During his time at the company he also led the Innovation and Digital functions, working closely with the business, its clients and major banks to identify customer requirements, develop innovative new products and deliver an enhanced customer experience. Prior to this role he was at KPMG, where he held the position of CIO for the Asia-Pacific region. Gerard Ryan, CEO of IPF, commented: “We are really pleased to welcome Chris to the leadership team. Technology will play an increasingly important role in our business, both in terms of efficiency gains and growth opportunities and Chris’s appointment brings us the skills and experience required to maximise the benefits from both.” Ends Investor relations and media contacts: International Personal Finance Rachel Moran - Investor Relations +44 (0)7760 167637 / +44 (0)113 285 6798 Nick Jones – Media +44 (0)7876 138581 / +44 (0)113 2856815 FTI Consulting Neil Doyle +44 (0)20 3727 1141 / +44 (0)7771 978 220 Jess Coleman +44 20 3727 1102 / +44 7515 597868
Fri, 11 Mar 2016 00:00:00 GMT

Provident Bulgaria reaches 30,000 customer milestone

Provides underserved consumers with access to credit in 30 towns across Bulgaria 11 March 2016 - Provident Bulgaria, one of the country’s leading providers of home credit and part of the International Personal Finance (IPF) group, is pleased to report that it has broken through the 30,000 customer number. The business, which was launched in Sofia in September 2013, has grown significantly since it was launched and now offers home credit services in over 30 towns across the country. In line with IPF’s commitment to promoting financial inclusion and responsible lending, Provident Bulgaria provides customers across the country with access to simple, transparent and flexible products. Since the business was established it has expanded its product range to meet the changing demands of existing customers and attract new borrowers; most recently launching a 12-week loan to provide customers with a shorter-term option for accessing credit. Underpinning Provident Bulgaria’s extensive national presence and broad product range is a committed team of 160 employees and 550 agents. The team has been widely recognised for its high standard of customer service, including most recently a nomination for the International Stevie Awards for Sales and Customer Service where it won the People’s Choice award in the financial services category. Gerard Ryan, IPF’s CEO, commented: “We are delighted with the level of growth we have seen in Bulgaria and how we are evolving our portfolio to meet the needs of our customers today and into the future. Helping consumers gain access to straightforward and, importantly, trustworthy credit options is at the heart of what we do, and I’m very proud that we have supported over 30,000 people in Bulgaria. “Alongside Mexico and Romania, Bulgaria is one of IPF’s growth home credit businesses. By focusing on delivering relevant products that meet our customers’ expectations and deepening our coverage we will bring this business to maturity.” ends Investor relations and media contacts: International Personal Finance Rachel Moran - Investor Relations +44 (0)7760 167637 / +44 (0)113 285 6798 Nick Jones – Media +44 (0)7876 138581 / +44 (0)113 2856815 FTI Consulting Neil Doyle +44 (0)20 3727 1141 / +44 (0)7771 978 220 Jess Coleman +44 20 3727 1102 / +44 7515 597868
Wed, 24 Feb 2016 00:00:00 GMT

Full year results announcement and statement of dividends. Year ended 31 December 2015

International Personal Finance today announces the Full year results and statement of dividends. Year ended 31 December 2015. INTERNATIONAL PERSONAL FINANCE PLC FULL-YEAR FINANCIAL REPORT FOR THE YEAR ENDED 31 DECEMBER 2015 Key highlights Robust financial performance despite regulatory challenges in Europe Strong underlying growth in profit before tax and exceptional items of 10% (£12.6M) before additional investment of £2.8M in IPF Digital and negative FX impact of £17.2M Group profit before tax and exceptional items of £116.1M 13% increase in credit issued and 7% growth in customer numbers delivered revenue growth of 4% Good credit quality across the Group - impairment as a percentage of revenue 25.7% Home credit – significant progress in Mexico; responding to market conditions in in Europe Mexico delivered a strong performance and exceeded profit per customer target Stable performance in most European markets with an improving trend New product structure to be introduced in Poland. Decision to run-off Slovakia following previously announced new rate cap legislation leading to exceptional cost of wind down of £18.6M Strong growth in IPF Digital and significant market opportunity 34% growth in credit issued and 46% increase in customers to 134,000 Good progress made expanding in Poland and Australia; first loans served in Spain Strategy evolved to meet changing consumer and market environment Robust funding position and further returns to shareholders £133M of headroom on bank facilities Equity to receivables of 40.8% in line with revised target of around 40% Proposed final dividend held at 7.8 pence per share Group key statistics FY 2014 FY 2015 YOY change at CER Customers (000s) 2,640 2,813 6.6% Credit issued (£M) 1,022.0 1,043.0 13.2% Revenue (£M) 783.2 735.4 4.1% Impairment % revenue 28.1% 25.7% 2.4 ppts Cost-income ratio 38.8% 41.4% (2.6) ppts PBT* (£M) 123.5 116.1   Statutory PBT** (£M) 100.2 100.2   EPS* (pence) 38.0 37.1   Chief Executive Officer, Gerard Ryan, commented: “We delivered a robust financial performance in 2015, despite a number of significant regulatory matters impacting the business. It was an excellent year for IPF Digital and Mexico and we intend to increase our investment and accelerate expansion plans in these businesses. Our European home credit businesses, with the exception of the Czech-Slovakia market, increased underlying profit growth in challenging trading conditions. New legislation in Poland and Slovakia will impact our profitability materially in 2016 and beyond, and we expect regulatory headwinds to continue. We are, nevertheless, committed to delivering sustainable returns to our shareholders and have evolved our strategy to reflect the changing market environment in order to underpin this commitment.” For further information contact: International Personal Finance plc Rachel Moran - Investor Relations +44 (0)7760 167637 / +44 (0)113 285 6798 Gergely Mikola - Media +36 20 339 02 25 FTI Consulting Neil Doyle +44 (0)20 3727 1141 / +44 (0)7771 978 220 Paul Marriott +44 (0)20 3727 1341 / +44 (0)7710 426 131
Tue, 22 Dec 2015 00:00:00 GMT

Update on Proposed Revisions to Slovak Legislation

INTERNATIONAL PERSONAL FINANCE PLC ("IPF" or the "Company") UPDATE ON PROPOSED REVISIONS TO VARIOUS CONSUMER LEGISLATION IN SLOVAKIA Further to IPF's announcement of 10 December 2015 in relation to the above, the proposed draft amendments to consumer legislation were vetoed by the President, returned to parliament where further changes were made and the amendments re-approved. The President has now signed the amended legislation and it will become effective imminently upon publication.  The final legislation is in line with the Company's previous expectation and IPF's view remains that the changes will have a material adverse financial impact on its existing Slovak business and IPF is therefore currently evaluating alternative business models for this market. IPF will keep the market updated and at this stage our intention is to provide further details at our annual results announcement on 24 February 2016. Investor relations and media contacts: International Personal Finance Justin Lockwood - Investor Relations +44 (0)7500 760035 / +44 (0)113 285 6821 Gergely Mikola - Media (+3620) 339 02 25 FTI Consulting Neil Doyle +44 20 3727 1141 / +44 7771 978 220 Paul Marriott +44 20 3727 1341 / +44 7710 426 131
Thu, 10 Dec 2015 00:00:00 GMT

Proposed Amendments to Slovak Consumer Legislation

INTERNATIONAL PERSONAL FINANCE PLC ("IPF" or the "Company") IPF NOTES RECENTLY PROPOSED REVISIONS TO VARIOUS CONSUMER LEGISLATION IN SLOVAKIA Last night (9 December 2015), during the third and final reading of draft legislation relating to sales of receivables, a previously undiscussed proposal to amend various pieces of consumer legislation was tabled in the Slovak Parliament by 15 MPs of the ruling party. The Slovak Parliament adopted the proposals with 78 out of 150 MPs voting in favour. All of the MPs who voted in favour were from the ruling party, SMER. Included in the proposed amendments are changes to the Civil Code prohibiting contracts for 'ancillary' services that relate to the customer's fulfilment of an underlying agreement. The explanatory note refers explicitly to services consisting of the collection of loan repayments in a customer's home. In addition, new clarification of the existing cost cap wording is included to make it clear that the cap applies to all costs connected with a loan, whether mandatory or not. The level of the current remuneration cap has not changed, at approximately 27 per cent. of issue value per annum. We understand that other changes include provisions that effectively prohibit instalment purchases of goods and services, vehicle hire purchase as well as refinancing of loans. IPF is reviewing the draft amendments to assess the extent to which its product structure would be affected by the proposed changes. Based on our current understanding, these changes would mean that all fees that IPF raises in connection with the issuance of a loan, including the fee for home service, would need to be levied at rates consistent with the remuneration cap. Consequently, and if the legislation is to become effective in its present form, IPF's current view is that it would have a material adverse financial impact on its Slovak business and the Company is very actively reviewing the implications of these unexpected amendments. In the 12 month period to 30 June 2015, IPF's Slovak business generated revenues of approximately £43M, profit before tax of approximately £6M and had a net receivables balance as at 30 June 2015 of £43M. The draft law will now go to the Prime Minister for formal signature and then to the President for approval. The President is from the opposition party. Once received, the President has 15 days to either sign the legislation into law or to exercise his right of veto. Were the President to veto the legislation, it would most likely be returned to a session of Parliament in Q1 2016 and if a majority of MPs voted again in favour, there would be no opportunity for the President to veto it a second time. According to the current draft of the legislation, it would become effective immediately on publication following signature by the President. Our understanding is that the amended legislation would not have retroactive effect, but that it would apply prospectively in relation to loan agreements already in existence from the effective date of the amendments. IPF will keep the market updated and further details will be communicated in due course. International Personal Finance will host a conference call for investors and analysts at 16:30hrs (GMT) today, Thursday 10 December. Dial-in (UK) +44(0)20 3427 1904 Dial-in (US) +1646 254 3361 Confirmation code 4171505 Investor relations and media contacts: International Personal Finance Rachel Moran - Investor Relations +44 (0)7760 167637 / +44 (0)113 285 6798 Gergely Mikola - Media (+3620) 339 02 25 FTI Consulting Neil Doyle +44 20 3727 1141 / +44 7771 978 220 Paul Marriott +44 20 3727 1341 / +44 7710 426 131
Tue, 27 Oct 2015 00:00:00 GMT

International Personal Finance plc Q3 Trading Update

International Personal Finance Q3 Trading Update is now available to download. Q3 Trading Update 2015
Wed, 29 Jul 2015 00:00:00 GMT

Half-yearly financial report for six months ended 30 June 2015

International Personal Finance plc half-yearly financial report for six months ended 30 June 2015 published. The full report, interim presentation and webcast will be available on the website throughout the day. For further information contact: International Personal Finance plc Rachel Moran (Investor Relations) +44 (0) 113 285 6798 Nick Jones (Head of Communications) +44 (0) 113 285 6815
Mon, 13 Jul 2015 00:00:00 GMT

Proposed revisions to draft TCC amendment law

International Personal Finance plc - Proposed revisions to draft TCC amendment law is now available to download. Proposed revisions to draft TCC amendment law
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