| Company Information |
| Address: |
Number Three
Leeds City Office Park
Meadow Lane
Leeds
LS11 5BD
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Index: |
FTSE 250
FTSE 350
FTSE 350 Lower Yield
FTSE All Share
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| Tel: |
(0)113 285 6700
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Sector: |
Speciality & Other Finance
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| Fax: |
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| E-Mail: |
investors@ipfin.co.uk |
Epic: |
IPF |
| Secretary: |
Ben Murphy |
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| Registrar: |
Capita Registrars Beckenham Ltd
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Updated: |
22/11/2012 |
News from RSS Feed
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.
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| Dividend History |
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| Type |
Payment Date |
Dividend |
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| Interim |
5/10/2012 |
3.23 p |
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| Final |
1/06/2012 |
4.1 p |
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| Interim |
7/10/2011 |
3 p |
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| Final |
20/05/2011 |
3.74 p |
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| Interim |
8/10/2010 |
2.53 p |
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| Final |
21/05/2010 |
3.4 p |
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| Interim |
2/10/2009 |
2.3 p |
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| Final |
22/05/2009 |
3.4 p |
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| Interim |
3/10/2008 |
2.3 p |
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| Final |
23/05/2008 |
2.85 p |
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| Interim |
19/10/2007 |
1.9 p |
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News from RSS Feed Thu, 25 Apr 2013 06:05:00 GMT
International Personal Finance plc Q1 Interim Management Statement
International Personal Finance Q1 Interim Management Statement is now available to download.
Q1 Interim Management Statement 2013 | Mon, 22 Apr 2013 15:29:00 GMT
International Personal Finance plc - Final Terms Confirmation Announcement
Terms used herein shall have the meaning given to them in the Base Prospectus dated 7 December 2012 (the "Prospectus"), the Supplementary Prospectus dated 3 April 2013 (the "Supplementary Prospectus") and the Final Terms (the "Final Terms") dated 16 April 2013 relating to the Notes.
This announcement constitutes the Final Terms Confirmation Announcement referred to in the Final Terms and must be read in
conjunction with the Prospectus, the Supplementary Prospectus and the Final Terms.
The Prospectus, the Supplementary Prospectus and Final Terms are available for viewing on IPF's website (http://www.ipfin.co.uk/retailbond) and on the website of the Regulatory News Service operated by the London Stock Exchange.
The Offer Period relating to the Notes expired at 10.30 am on 22 April 2013 and accordingly Notes can no longer be subscribed
pursuant to the offer.
In accordance with Article 8(1) of Directive 2003/71/EC, as amended, the Issuer confirms the following in relation to the offer and issue of Notes
Aggregate Nominal Amount:
(a) Series:
£70,000,000.00
(b) Tranche:
£70,000,000.00
Estimated Net Proceeds
£69,300,000.00 (being the Aggregate Nominal
Amount of the Notes at the Issue Price of 100%
less the fees payable to the Lead Manager of 1.0%
(and shared in part with the Authorised Offerors as
described in the Final Terms))
Estimated Total Expenses
£700,000.00 (being the fees payable to the Lead
Manager described in estimated net proceeds
above)
-Ends-
For enquiries, please contact:
International Personal Finance plc
Dan Hartley (General Enquiries)
+44 (0) 113 285 6700
Rachel Moran (Investor Relations)
Nick Jones (Media)
RLM Finsbury
Matthew Newton
+44 (0) 207 251 3801
Andrew Hughes
Canaccord Genuity
Adrian Bell
+44 (0) 20 7523 8000
Mark Glowrey
Henrietta Podd
| Mon, 22 Apr 2013 15:29:00 GMT
International Personal Finance plc - Notice of early closure of retail bond offer period
International Personal Finance plc published final terms (the "Final Terms") dated 16 April 2013 relating to the issue by International Personal Finance plc of the Notes under the €1,000,000,000 Euro Medium Term Note Programme. Terms used herein shall have the meaning given to them in the Final Terms unless otherwise defined.
This announcement confirms that the Offer Period is now expected to close at 10:30 am (London time) on 22 April 2013 (the "Offer Period End Point"), such date and time being earlier than the originally scheduled end to the Offer Period which was 12 noon (London time) on 30 April 2013.
International Personal Finance plc will release its announcement constituting the Final Terms Confirmation Announcement as referred to in the Final Terms at a time and date shortly after the Offer Period End Point.
To view the Final Terms, the Prospectus dated 7 December 2012 and the Supplementary Prospectus dated 3 April 2013, please paste the following URL into the address bar of your browser.
http://www.rns-pdf.londonstockexchange.com/rns/4390C_1-2013-4-16.pdf
http://www.rns-pdf.londonstockexchange.com/rns/0594T_-2012-12-7.pdf
http://www.rns-pdf.londonstockexchange.com/rns/4824B_-2013-4-3.pdf
For enquiries, please contact:
International Personal Finance plc
Dan Hartley (General Enquiries) +44 (0) 113 285 6763
Rachel Moran (Investor Relations) +44 (0) 113 285 6798
Nick Jones (Media) +44 (0) 113 285 6815
International Personal Finance plc
Dan Hartley (General Enquiries)
+44 (0) 113 285 6763
Rachel Moran (Investor Relations)
+44 (0) 113 285 6798
Nick Jones (Media)
+44 (0) 113 285 6815
--> | Tue, 16 Apr 2013 09:15:00 GMT
International Personal Finance plc - Launch of 6.125% unsecured sterling retail bonds maturing 2020
International Personal Finance plc (“IPF”), the holding company for a leading provider of home credit, has today launched an offer of 6.125% sterling bonds due 2020. The bonds are available to retail investors and are being issued by IPF for general corporate purposes.
IPF and its subsidiaries (the “Group”) provide small sum, short term unsecured loans in Poland, Hungary, the Czech Republic, Slovakia, Romania and Mexico. The Group currently has approximately 6,330 employees and 28,500 agents. The Group’s head office is in Leeds in the United Kingdom. In 2012 the Group served 2.4 million customers and profit before tax and exceptional items was £95.1M.
The bonds bear interest at a fixed rate of 6.125% per annum, payable semi-annually in arrear in equal instalments. Bondholders should, in most normal circumstances, be able to sell their bonds during normal trading hours (subject to market conditions) on the open market through their stockbroker.
Canaccord Genuity Limited is acting as Manager on this issue.
The bonds have a minimum initial subscription amount of £2,000 and are available in multiples of £100 thereafter.
The offer period is now open and is expected to close at 12 noon (London time) on 30 April 2013. The Manager retains the right to close the offer early, in conjunction with IPF.
The bonds are expected to be listed on the UK Listing Authority's Official List and admitted to trading on the London Stock Exchange's regulated market and through the electronic Order Book for Retail Bonds.
Commenting on the launch, Gerard Ryan, Chief Executive Officer of IPF said:
“This retail bond is part of IPF’s strategy of diversifying sources of funding and extending the term of debt facilities, at lower cost to provide further funding for the future development of the business as we continue to progress our Strategy for Growth.”
For enquiries, please contact:
International Personal Finance plc
Nick Dahlgreen (General Enquiries) +44 (0) 113 285 6700
Rachel Moran (Investor Relations)
Nick Jones (Media)
RLM Finsbury
Matthew Newton +44 (0) 207 251 3801
Andrew Hughes
Canaccord Genuity
Adrian Bell +44 (0) 20 7523 8000
Mark Glowrey
Henrietta Podd
| Fri, 12 Apr 2013 08:52:00 GMT
Provident Hungary awarded 2013 Gallup Great Workplace Award
Gallup has officially announced that Provident Hungary, part of International Personal Finance (IPF), a leading provider of consumer credit, will be a recipient of their 2013 Great Workplace Award.
The Gallup Great Workplace Award is based on the most rigorous workplace research ever conducted. A panel of workplace experts evaluated the award-winning organisations and Provident Hungary has been accorded the accolade because its results demonstrate one of the most productive and engaged workforces in the world.
The award is made award annually after comparing applicants’ results across a research database composed of millions of work teams in more than 100 countries.
Gerard Ryan, said: ‘The Gallup Great Workplace Award signifies the most engaged and productive companies in the world and I’m delighted our Hungarian team has been recognised for its outstanding ability to create an engaged workplace culture, not only compared to other Hungarian businesses, but on a worldwide scale.
‘This is great news for our employees and ultimately our customers, who will benefit from being served by a more engaged workforce.
‘We know the positive effects of a people-focussed approach helps to drive significant business improvements, and this award is particularly important because it explicitly makes this link."
The award was made following four years of concerted effort to drive better performance through a great workplace culture by Botond Szirmák, Provident Hungary’s leader, and his team.
Botond said: ‘I am delighted that Provident Hungary will receive this significant award. It’s a great boost for our team and, as the first recipient of this award in Hungary, a great boost for our business’s reputation. We’re very proud to have come such a long way in the past four years and looking forward to continued success.in 2013.’
The award itself will be collected in a ceremony at Gallup’s annual summit in Omaha, Nebraska, in early May.
For further information contact:
Nick Jones +44 (0) 113 285 6815
Head of Communications nick.jones@ipfin.co.uk
| Wed, 10 Apr 2013 11:23:00 GMT
International Personal Finance ranked amongst best scoring financial services companies in the world by FTSE4Good
Recognised as a leader in the field of sustainability, International Personal Finance plc (‘IPF’) is delighted to announce it has been included in the FTSE4Good index for the sixth consecutive year following an analysis of its sustainability activities.
The assessment measures the environmental, social and governance performance of around 2,300 publicly listed companies worldwide. IPF received an overall score of 99 out of 100 (up from 96 last year) in the FTSE4Good ESG Ratings to rank amongst the best scoring financial services companies in the world.
The score would have seen IPF placed joint third amongst the world-wide supersector leaders had it been listed on the All World FTSE Index and in the FTSE4Good index series.
The FTSE4Good ESG (Environmental, Social and Governance) Ratings are based on independent research, provide an objective measurement of how well a company manages its potential ESG risks and use clear, rules-based, and easy to apply methodologies.
Gerard Ryan, Chief Executive Officer said: “Our excellent performance in the FTSE4Good index reflects our commitment to sustainable growth by operating in a responsible and ethical manner. As a large and growing international business, it is critical we are transparent with all our stakeholders, treat them with respect and promote responsible business practices in every country where we operate.
“This achievement is great news for the business and reflects our continued focus, efforts and success in delivering sustainable growth. This is also good news for our customers who can look forward to being served by a sustainable and responsible business not only today, but well into the future.”
To find out more about sustainability at IPF visit www.ipfin.co.uk/sustainability
| Wed, 27 Mar 2013 00:00:00 GMT
Secondary listing of IPF shares on the Warsaw Stock Exchange
International Personal Finance (‘IPF’) has been admitted to trade its ordinary shares on the Warsaw Stock Exchange (‘WSE’).
Trading will begin on the WSE at 09:00 (CET) today, Wednesday 27 March. BZWBK is the arranger and market maker in Poland and the shares will be listed in the WIG index under the name of Provident (ticker symbol – IPF: PW). This is a secondary listing of IPF shares which will enable Polish investors, particularly pension funds, to invest in the business more easily. No new capital is being raised as part of this listing.
Chief Executive Officer of IPF, Gerard Ryan said: “I’m delighted that we have achieved this secondary listing. We believe it will help attract new shareholders to invest in the Group which is delivering growth in all our markets in Europe and Mexico. It also reflects our confidence in our Polish home credit business which, with 821,000 customers, is a major Polish institution and IPF’s largest market.”
David Parkinson, Country Manager of Provident Polska, added: “I would like to thank all our employees and agents for their significant contribution to the success of the business and today’s admission to the WSE is clear recognition of the progress we have made.”
Shares in IPF will continue to be listed on the London Stock Exchange. Existing shareholders of London listed shares will be unaffected by this and need take no action.
For further information contact:
International Personal Finance plc
Rachel Moran – Investor Relations
+44 (0)113 285 6798 / +44 (0)7760 167637
Nick Jones – Head of Communications
+44 (0) 113 285 6815
RLM Finsbury
Matthew Newton
Anastasia Gorokhova
+44 (0) 20 7251 3801
| Fri, 22 Mar 2013 08:56:00 GMT
IPF Annual Report and Financial Statements 2012 is published
The IPF Annual Report and Financial Statements 2012 is now available to view and download, providing information to shareholders and informing wider stakeholders who seek to understand our business better.
The report contains non-financial and financial performance information. It details our strategy and some of the work we’re undertaking to deliver our objectives. [The ‘Group at a glance’ section gives a useful overview of our sustainable business model and why it works; our investment proposition and details of our operations and performance.]-->
In addition to the annual report, the sustainability section of the website has been updated to outline in more detail how IPF believes that a sustainable business creates shared value for customers, investors and the wider social and economic environment in which we operate. We report on activities annually. Here you can find a wealth of information on our approach to this including examples of how we work responsibly with customers.
View the interactive Annual Report and Financial Statements 2012 PDF
Visit the sustainability section
If you have any queries please do not hesitate to contact a member of the team.
Nick Jones - Communications
enquiries@ipfin.co.uk
Tamsin Fraser - Sustainability
sustainability@ipfin.co.uk
Rachel Moran - Investor Relations
investors@ipfin.co.uk | Wed, 06 Mar 2013 15:33:00 GMT
Full year results announcement and statement of dividends. Year ended 31 December 2012
International Personal Finance today announces the Full year results and statement of dividends. Year ended 31 December 2012.
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 | Wed, 30 Jan 2013 00:00:00 GMT
Consumers think carefully before they borrow
The vast majority of a consumer credit company’s customers in Europe and Mexico think carefully before borrowing dispelling the idea that consumers are addicted to easy credit.
This is one of the key findings from the Financial Wellbeing and Inclusion Report from International Personal Finance, a leading international provider of consumer credit in growth markets. The report also found that consumers believe that credit has become more difficult to get in the last two to three years.
The research conducted on behalf of IPF by YouGov, a leading international, full service online market research agency, reported that 93% of those questioned said they thought carefully before borrowing money and a further 61% said they borrowed less than they were offered. This is in sharp contrast to some perceptions that lower income consumers are irresponsible or distressed borrowers.
Two thirds (63%) of IPF’s customers thought that credit was more difficult to get in the last two to three years. Across IPF’s markets in Europe, respondents in Hungary were most likely to say this with nearly three quarters (72%) claiming credit was more difficult to get verses only a third of people in Slovakia (35%). The Hungarian economy has been one of the hardest hit Central European countries since the crisis began in 2008.
Only a small minority (7%) of the 11,000 people polled thought credit was easier to get with one in five (20%) thinking it was the same.
When YouGov questioned people on their ability to repay their loans, just over half of respondents (53%) said they can comfortably repay their repayments. This is highest in Mexico (79%), the Czech Republic (70%), Poland (70%) and Romania (63%). Encouragingly most people (93%) who were questioned said they thought carefully before borrowing money and this was consistently high across all of IPF’s markets. The survey also found that only 15% borrowed on impulse and 86% never borrowed a sum that would be difficult to repay.
John Mitra, Group Corporate Affairs Director, IPF, said that it was very encouraging most people did not borrow more than they could repay without difficulty. “Nearly nine out of ten of our customers say they will not borrow more than they can repay and very few of the people we polled said they borrowed on impulse. This shows that people think carefully about taking out credit and whether it is affordable and their repayments sustainable.”
“A minority (35%) claim to use credit as part of the way they manage their budget and we should continue to be mindful of this fact as should other mainstream lenders.”
The report also showed that taking advice from a representative of the lender was the single most important aspect when taking out a loan. This was deemed more important than the internet, advice from friends and family and advertising.
The Financial Wellbeing and Inclusion Report is now available here.
Further information
Contact Nick Jones, Head of Communications, International Personal Finance
+44 (0) 113 285 6815
nick.jones@ipfin.co.uk
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