• Pre-tax profit* increased by 49.3% to £92.1 million due to good growth, lower impairment and tight cost control.
  
  – Good growth in customer numbers (7.5%), credit issued (5.6%),
     receivables (6.0%) and revenue (8.1%) with stronger growth in Q4
  – Impairment reduced by 2.3 percentage points to 27.6% of revenue
     (2009: 29.9%)
  – Cost-income ratio reduced by 1.2 percentage points to 40.5%.
• Strong performance in Central Europe with profit increased by £23.3 million to £99.8 million led by a strong recovery in Hungary.
• Continued progress in Mexico with profit increased from £0.3 million to £3.5 million.
• Romania delivered an excellent result with a maiden profit of £1.7 million in the face of challenging local economic conditions.
• Growth plans enabled by completion of £480 million debt refinancing.
• Earnings per share increased by 38.2%* to 24.57 pence (2009: 17.78 pence).
• Proposed final dividend increased to 3.74 pence per share, making the full year dividend 6.27 pence (2009 full year dividend: 5.70 pence).

* From continuing operations and stated before an exceptional charge of £3.9 million.