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Annual Report and Financial Statements 2010
Welcome
Welcome to our 2010 Annual Report and Financial Statements. This report relates to the Parent Company and subsidiaries of International Personal Finance plc for the year ended 31 December 2010.
We are a leading international provider of home credit serving more than 2.2 million customers in emerging markets. We made good progress in 2010 and there are significant opportunities to grow further.We are proactively changing to create a sustainable, international business where we have the people, processes and systems in place to achieve ourstrategic growth goals in years to come.
Once again, to demonstrate our belief that managing our responsibilities and meeting expectations of a range of stakeholders are essential for maintaining a sustainable business and enhancing future shareholder value, we have integrated material non-financial reporting alongside our financial performance. Further information on these measures can be found in the Key Performance Indicators section.
The purpose of this report is to provide information to the members of the Company. The Annual Report and Financial Statements contains certain forward-looking statements with respect to the operations, performance and financial condition of the Group.By their nature, these statements involve uncertainty since future events and circumstances can cause results and developments
to differ materially from those anticipated. The forward-looking statements reflect knowledge and information available at the date of preparation of the Annual Report and Financial Statements and the Company undertakes no obligation to update these forwardlooking statements (other than to the extent required by legislation; and the Listing Rules and the Disclosure and Transparency Rules of the Financial Services Authority). Nothing in this Annual Report and Financial Statements should be construed as a profit forecast.
International Personal Finance plc. Company number: 6018973.
Percentage change figures for all performance measures, other than profit or loss before taxation and earnings per share, unless otherwise stated, are quoted after restating prior year figures at a constant exchange rate (CER) for 2010 in order to present the underlying performance variance. Profit before taxation in 2010 reflects continuing operations and is stated before an exceptional charge of £3.9 million (statutory profit before taxation £88.2 million).
© International Personal Finance 2012