K9546 Report 2001
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International Personal Finance Plc Annual Report and Financial
International Personal Finance plc Finance Personal International International Personal Finance Annual Report and Financial Statements 2012 Statements Financial Report and Annual International Personal Finance plc Number Three Leeds City Office Park International Personal Finance plc Meadow Lane Leeds LS11 5BD Annual Report and Financial Statements 2012 Telephone +44 (0)113 285 6700 Fax +44 (0)113 245 1675 Email [email protected] Website www.ipfin.co.uk Who we are We are a leading international provider of home credit • 2.4 million customers • 28,500 agents and 6,330 employees • operate in six growth markets • well-established, successful business model • publicly recognised for outstanding customer service and employment practices Using the Provident brand, we provide unsecured, short-term credit to consumers wanting smaller loans and who are relatively underserved by existing financial institutions. We promote inclusive and responsible lending. Typically, our customers borrow between £50-£1,000 and repay their loans over a 12-month period with small weekly repayments reflecting their household budget. Read more: Where we operate – see page 08 Contents Directors’ Report: Business Review Directors’ Report: Governance Supplementary Information 01 Performance highlights 2012 36 Our Board and Committees 107 Shareholder Information 02 Message from the Chairman 38 Corporate Governance 04 How we create value Statement 06 A growth business 51 Other Information 08 Where we operate 10 Message from the CEO Directors’ Remuneration Report 12 -
Euroweek in Association With: UK Capital Markets September 2013
EUrOWEEK in association with: UK Capital MarKets september 2013 Serving up economic recovery sponsored by: Depth of Commitment to the UK Markets. For more than a decade, RBC Capital Markets has focused on the UK markets and has built a strong expertise in GBP underwriting, sales, trading and research. With more than 6,700 professionals operating out of 70 offi ces in 15 countries around the globe, our accomplishments speak for themselves: > Voted #1 in Sterling for Investment Grade - Financial Institutions & Corporates1 > A primary dealer in GBP and an active Gilt-Edged Market Maker since 2000 > 10th largest global investment bank2 with locally-based coverage across the UK and Europe Take Confi dence in Our Approach Sian Hurrell Sean Taor Stuart McGregor FIC Sales Europe European DCM & Syndication European Origination, Public Sector DCM +44.20.7653.4343 +44.207.029.0150 +44.20.7029.7492 [email protected] [email protected] [email protected] Corporate & Investment Banking | Sales & Trading | Research | rbccm.com 1 Euromoney Credit Trading Survey – 2012. 2 By net revenue, Dealogic - January to September 2012. This advertisement is for informational purposes only. RBC Capital Markets is a registered trademark of Royal Bank of Canada.RBC Capital Markets is the global brand name for the capital markets business of Royal Bank of Canada and its affi liates, including RBC Capital Markets, LLC (member FINRA, NYSE, and SIPC); RBC Dominion Securities, Inc. (member IIROC and CIPF) and RBC Europe Limited (authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority). -
We Do Things Differently Because Not Everybody's Needs Are the Same
Provident Financial plc Provident ANNUAL REVIEW We do things differently because not everybody’s & SUMMARY FINANCIAL STATEMENT needs are the same Provident Financial plc ANNUAL REVIEW & SUMMARY FINANCIAL STATEMENT 2004 2004 Paper specification One of Provident Financial’s environmental objectives is to use paper as efficiently as possible. This report is produced on material which comprises 50% TCF (totally chlorine free) pulp from sustainable forests and 50% recycled and de-inked pulp from pre- and post-consumer waste. Provident Financial plc Colonnade Sunbridge Road Bradford West Yorkshire BD1 2LQ United Kingdom telephone: +44 (0)1274 731111 fax: +44 (0)1274 727300 email: [email protected] website: www.providentfinancial.com Company number 668987 Provident Financial At a glance UK and Republic of Ireland: 2.2m CUSTOMERS 433 home credit branches, 27 Yes Car Credit branches, Vanquis Bank call centre and Provident Insurance administration centre Central Europe: 1.5m CUSTOMERS 130 home credit branches across four countries – Poland, Czech Republic, Hungary and Slovakia Mexico: 35k CUSTOMERS Four home credit branches opened since August 2003 +7. 0 % +4.2% PROFIT BEFORE GOODWILL TOTAL DIVIDEND FOR AMORTISATION UP TO 2004 34.40 PENCE £221 MILLION Group profit before taxation and goodwill amortisation (£m) 221 206 182* 170 +7. 0 % 160 EARNINGS PER SHARE BEFORE GOODWILL AMORTISATION UP TO 61.57 PENCE 2000 2001 2002 2003 *stated before exceptional item Group turnover (£m) 1,134 1,167 + 833 875 + 2.9% 728 17.0% TURNOVER UP TO NET ASSETS INCREASED £1,167 MILLION TO £526 MILLION 2000 2001 2002 2003 Designed and produced by salterbaxter Printed by CTDDesigned and produced by salterbaxter Printed Limited Photography by George Brooks Printers Provident succeeds because it understands its customers’ distinctive needs. -
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Purpose & progress Provident Financial plc Annual Report and Financial Statements 2019 Provident Financial plc Annual Report and Financial Statements 2019 C PAGE TITLE Underhead Purpose We help put people on a path to a better everyday life. We are a specialist lender, here to provide financial inclusion to the 1 in 5 UK adults who are not well served by mainstream lenders. This unifies us and is something we can get behind both practically and emotionally. Read more on page 13 Progress The Strategic Blueprint provides guidance to make the right decisions to deliver our strategy on a daily basis. This entitles us to drive the business forward to deliver our Vision for the Future. Read more on page 12 To find out more visit: View our Corporate providentfinancial.com Responsibility Report online: providentfinancial.com/ corporate-responsibility/ Provident Financial plc C Annual Report and Financial Statements 2019 HIGHLIGHTS Strategic report Strategic Customer numbers Amounts receivable from customers 2,319k £2,212.6m (2018: 2,395k) (2018: £2,204.0m) Adjusted basic earnings per share Basic earnings per share 47.3p 33.3p (2018: 48.7p) (2018: 27.3p) Adjusted profit before tax Statutory profit before tax £162.6m £128.8m (2018: £160.1m) (2018: £97.3m) Certain alternative performance measures (APMs) have been used in this report. See page 237 for an explanation of relevance as well as their definition. Strategic report Governance Directors’ remuneration report 1 Highlights 88 Board leadership and Company purpose 146 Annual statement by the Chairman -
Annual Report and Accounts 2016 Lloyds Banking Group How We're Helping Britain Prosper
Lloyds Banking plc Group Lloyds Annual Report and Accounts 2016 HELPING BRITAIN PROSPER Lloyds Banking Group Annual Report and Accounts 2016 Lloyds Banking Group How we're helping Britain prosper Helping Britain Prosper is our purpose. It means responding to the social and economic issues we We're helping believe we are best placed to address. individuals, families, businesses and We already support people, businesses and communities all over Britain through our iconic brands and extensive communities all across range of clear and simple products and services, but we Britain to prosper want to do even more to play our part in making Britain a more inclusive and prosperous country. To achieve this we must continue to build a culture where our colleagues put customers first. We want to take a leading role in helping the UK economy whether through supporting housing, trade, growth, infrastructure or tackling disadvantage. Our Helping Britain Prosper Plan, launched in 2014, helps us achieve this, taking us beyond business as usual by setting measurable targets in the areas where we believe we can make the biggest difference. The Plan is an investment in our long-term sustainable success which underpins our aim to become the best bank for customers whilst delivering superior and sustainable returns for shareholders. HELPING PLAN FOR RETIREMENT Key brands >280,000 customer visits to our Retirement Planning Website. We want to do more to support and guide more of our customers on their retirement options HELPING HOMEBUYERS £39bn of gross new mortgage lending in 2016 with 60 per cent going to help homebuyers get on and move up the housing ladder HELPING UK MANUFACTURING £1.