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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

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

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

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
Wed, 03 Jun 2015 00:00:00 GMT

Issue of Bonds by IPF Investments Polska sp. zo.o

International Personal Finance plc - Issue of Bonds by IPF Investments Polska sp. zo.o is now available to download. Issue of Bonds by IPF Investments Polska sp. zo.o
Thu, 30 Apr 2015 00:00:00 GMT

International Personal Finance plc Q1 Trading Update

International Personal Finance plc Q1 Trading Update is now available to download International Personal Finance plc Q1 Trading Update
Tue, 21 Apr 2015 00:00:00 GMT

Polish Office of Consumer Protection Decision

International Personal Finance plc - Polish Office of Consumer Protection Decision is now available to download Polish Office of Consumer Protection Decision
Fri, 27 Feb 2015 00:00:00 GMT

International Personal Finance plc Annual Report and Financial Statements 2014

The International Personal Finance plc Annual Report and Financial Statements 2014 press release is now available to view.
Wed, 25 Feb 2015 00:00:00 GMT

Full year results announcement and statement of dividends. Year ended 31 December 2014

International Personal Finance today announces the Full year results and statement of dividends. Year ended 31 December 2014. Strong underlying profit growth Strong underlying growth of £25.4M (21.5%) in profit before tax and exceptional items offset by additional new business investment of £9.0M and weaker FX rates of £11.0M Profit before tax and exceptional items increased 5% to £123.5M Costs well-managed and further improvement in efficiency with cost-income ratio 38.8% after absorbing new business costs Impairment as a percentage of revenue in target range at 28.1% Continued growth in customers and credit issued although slowed as Q4 progressed Year-on-year customer numbers and credit issued grew 2% and 5% respectively Revenue for the year increased by 13% Growth in the last weeks of the year below expectations New products, channel developments and further geographic expansion will contribute to higher levels of growth in 2015 and beyond Licence to commence trading in Spain expected shortly Further geographic expansion continues in Mexico, Lithuania and Bulgaria Transformation for Growth (T4G) programme positively impacting business Multiple new product and channel launches to broaden appeal to new and existing home credit customers Digital business established Acquisition of MCB Finance Group plc (MCB) in February 2015 – an experienced, profitable digital consumer loans provider in five countries hapiloans launched in Poland Target capital ratio reduced and dividend pay-out ratio increased Target equity to receivables capital ratio reduced to 40% from 45% Target dividend pay-out ratio increased to 35% from current 25% Proposed full year dividend increase of 29% to 12.0 pence per share €300M core Eurobond funding refinanced at significantly lower rate and £100M bank facilities renewed Chief Executive Officer, Gerard Ryan, commented: “In 2014 we delivered strong underlying profit growth and invested in further expansion of our business and we now have operations in thirteen countries. We experienced a slowdown in growth in Europe in the final weeks of the year, but have taken action to address this and continue to launch new products to support future growth. We are also very pleased to have established our new digital business that we believe will broaden our appeal to a much wider customer base. In line with our commitment to focus on shareholder returns, we are happy to announce a 29% increase in our full-year dividend. Overall, we believe that the business is well placed to make good progress in 2015." For further information contact: International Personal Finance plc 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
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.


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