Key message

A robust and successful business model

We are an international provider of home credit. Our business model is well established, profitable and has proven to be robust in the face of the global recession. We have carefully managed the business and emerged successful, delivering a record profit in 2010.

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Profit margin
15.1%
Pre-tax profit increase
49.3%

Scaling the business

Despite the challenges of the global economic downturn, we have continued our commitment to investing in future growth. Through our Global Change Management Programme we are proactively improving the efficiency and effectiveness of our home credit business model and creating a platform for growth that will transform our business. We are making good progress on our journey to reshape and modernise the business as our results demonstrate.

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© International Personal Finance 2012

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