We are International Finance plc. We aim to meet the needs of our customers by providing small, unsecured, short-term loans in an inclusive, transparent and responsible way. We are responding to changes in consumer demands by modernising the way we do business.
We offer small sum, short-term, unsecured cash loans, ranging from £50 to £1,000, which are repaid typically over a six or 12 month period. We offer a personal and flexible service to our customers, designed to meet their needs to borrow relatively small amounts of money quickly and in a manageable and transparent way.
We operate in eight countries under the Provident brand – Poland, the Czech Republic, Slovakia, Hungary, Mexico, Romania, Lithuania and Bulgaria where we have 8,260 employees and 29,990 agents. Our digital loans brand hapi operates in Poland and we serve customers in Finland, Latvia, Estonia, Lithuania and Australia with Credit24 and Sving brands.
We generate a healthy return on equity and maintain a well-capitalised balance sheet to support our long-term growth. This is fundamental for us to fulfil our vision and achieve the plans we’ve set.
We are resilient and profitable, focused on markets where we have identified significant growth opportunities for our business.
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Read more on what we’re doing to ensure our business is sustainable, our approach to non-financial performance and view our latest Global Reporting Initiative index.
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View the 2014 Full Year financial results webcast here
View the Half Year financial results webcast here
View the Interactive 2014 Annual Report and Account