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The UK's Leading Pawnbroker H&T Group plc H&T Group The UK’s leading pawnbroker Annual Report and Accounts 2012 ReportAnnual and Building value in our local communities H&T Group plc Times House Throwley Way Sutton Surrey SM1 4AF Tel: 0870 9022 600 H&T Group plc www.handtgroup.co.uk ANNUAL REPORT and ACCOUNTS 2012 H &T provides a range of simple and accessible financial products tailored for a customer base who have limited access to, or are excluded from, the traditional banking and finance sector. KEY PERFORMANCE INDICATORS FINANCIAL HIGHLIGHTS 2012 Pledge book (£m) Redemption (%) Retail sales (£m) Gross profit EBITDA* £62.3m £21.3m 76.6 76.4 51.6 20.1 20.0 76.1 75.5 19.6 46.6 16.4 39.5 38.2 (2011: £27.4m) * Earnings Before Interest Tax (2011: £65.4m) Depreciation and Amortisation 2009 2010 2011 2012 2009 2010 2011 2012 2009 2010 2011 2012 Profit before tax Diluted EPS Up 10.7% to £51.6m 76.6% in 2012 £20.1m in 2012 in 2012 (2011: £46.6m) (2011: 76.4%) (2011: £20.0m) £17.0m 33.9p Retail margin (%) Gold purchase No. of Pawnbroking margin (%) stores (2011: £23.5m) (2011: 48.4p) 186 49.5 39.9 49.2 49.0 44.9 36.1 160 31.4 135 Proposed dividend Proposed final 122 per share dividend 23.3 11.85p 8.05p 2009 2010 2011 2012 2009 2010 2011 2012 2009 2010 2011 2012 49.0% in 2012 23.3% in 2012 186 stores in 2012 (2011: 49.2%) (2011: 31.4%) (2011: 160 stores) (2011: 10.75p) (2011: 7.00p) Customer Satisfaction Over 86% of customers surveyed rated their satisfaction 8 or more out of 10 Employee Satisfaction Cautionary statement Over 92% of employees stated they enjoyed working for H&T Group This annual report of H&T Group plc (“H&T”, “the Group”, “the Company”) contains some forward-looking information and statements that involve known and unknown risks and uncertainties, including statements about the Group’s plans, objectives and intentions. The information and statements Staff Training Hours contained herein are stated as at the date of this report and there exists the Throughout 2012 the Group delivered over 30,000 hours of staff training risk that actual results and outcomes may differ from the information and statements made. Designed and produced by corporateprm, Edinburgh and London. www.corporateprm.co.uk H&T GROUP PLC ANNUAL REPORT AND ACCOUNTS 2012 | 01 OVERVIEW OVERVIEW Key performance indicators and financial highlights................................... IFC Chairman’s statement ....................................................................................................... 02 The business at a glance .................................................................................................. 04 What is pawnbroking? ...................................................................................................... 06 Valuations, how H&T manage the process ......................................................... 07 Our customers ...................................................................................................................... 08 Our people ............................................................................................................................... 09 Our communities ................................................................................................................. 11 REVIEW OF THE BUSINESS R EVIEW Chief Executive’s review .................................................................................................. 14 Expansion of the store estate ..................................................................................... 18 Expansion in the store estate 26 new stores OF Finance Director’s review ............................................................................................... 19 added during the year, taking our national footprint to 186 new stores. THE BU S INE SS GOVERNANCE G O Excellent store standards High standards in stores Directors, Officers and Advisers ............................................................................... 20 VERNANCE both in staff, customer service and the physical environment. Corporate governance .................................................................................................... 22 Directors’ report .................................................................................................................. 24 Statement of directors’ responsibilities ................................................................. 31 Local community Staff raising local awareness and FINANCIAL StateMENTS FINANCIAL STATEMENT engagement at the Lambeth Show in London. Independent auditor’s report on the group financial statements to the members of H&T Group plc ...................................................................... 32 Consolidated statement of comprehensive income .................................... 33 Consolidated statement of changes in equity ................................................. 34 Consolidated balance sheet ......................................................................................... 35 Consolidated cash flow statement .......................................................................... 36 Notes to the consolidated financial statements ............................................ 37 S Independent auditor’s report to the members of H&T Group plc ............................................................................................................... 72 Company balance sheet .................................................................................................. 73 Company combined reconciliation of movements in shareholders’ funds and statements of movements on reserves ............................................................................................................................... 74 Helping Hand TV advertisement showcasing our corporate Notes to the company financial statements .................................................... 75 mascot – the Helping Hand. Store directory ....................................................................................................................... 78 02 | H&T GROUP PLC ANNUAL REPORT AND ACCOUNTS 2012 CHAIRMAN’S STATEMENT I am pleased to announce that with continued growth in its core pawnbroking operations, the Group has become the first UK pawnbroker to grow its pledge book in excess of £50m. The Group made over £100m of pawnbroking loans during 2012 and further invested in the store estate, with an additional 26 pawnbroking stores added in the year. This takes the Group estate to186 pawnbroking outlets and 24 GoldBar retail mall units as at the year-end. ECONOMIC AND MARKET BacKground The UK consumer credit market is one of the largest in Europe. It is estimated that in October 2012, total outstanding debt was £156bn, the vast majority of which is derived from mainstream credit sources such as credit cards, overdrafts and personal loans. Following the financial crisis, the availability of consumer credit has however substantially reduced – estimated to have fallen by 33% as a proportion of GDP in real terms. Consequently, an estimated 10 million people in the UK now have no access to traditional credit sources and the non-mainstream market – including pawnbroking, payday loans and home credit – is the fastest growing within the consumer credit sector. Tightening credit availability, several years of low earnings inflation and pressure on disposable incomes has further increased consumer demand for credit to assist in managing short term cash flows and in meeting day to day living expenses. 1 Leading non-mainstream credit providers have reacted in recent years by increasing their presence whether by expanding high street outlets or by small ticket unsecured lending and the purchasing A further 22 pawnbroking sites were opened increased marketing spend for online distribution. of gold at a retail level, provide a resilient business in the year, together with £2.3m spent on The pawnbroking industry has been no exception, model through the economic cycle. 6 acquisitions. The Group also exercised break and is becoming an increasingly well recognised clauses on two stores. The Group’s financial and attractive proposition both to the growing FINANCIAL PERFORMANCE position remains strong with net debt of £27.6m unbanked market and other customers we serve. The Group delivered £17.0m of profit before tax as at 31 December 2012. In January 2013 the in 2012, down from £23.5m in 2011. A fall in gold Group completed a refinancing on improved StrategY purchasing profits accounted for the majority of terms of its debt facilities, and has secured a new Our Group aims to meet this demand by offering this decline, together with the increased cost base four year £50m facility with Lloyds TSB Bank plc. immediate access to cash from convenient high associated with the store expansion programme. street locations, as well as an online offering. The Board has always expressed its view that Basic earnings per share are 35.92 pence We strive to be the UK’s pawnbroker of choice, the high level of profits from gold purchasing has (2011: 51.12 pence). facilitating customers’ financial needs by offering been a short term opportunity rather than a core loans secured against high quality jewellery and earnings stream. DIVIDEND watches. By building close relationships and lending Subject to shareholder approval, a final gross responsibly we aim to facilitate high redemption Most importantly I am pleased to report dividend of 8.05 pence per ordinary share rates and high levels of repeat business. continuing growth in
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