The human face of finance
Profile
GRI index: Profile
We use the Global Reporting Initiative (GRI) 2006 G3 Sustainability Reporting Guidelines, published in October 2006 for our reporting. We have completed the Financial Services Sector Supplement which is the G3 Guidelines plus sector specific content.
Our assessment is that the content and quality of this report meet GRI G3 Application Level A. This year, we've taken the extra step of having our GRI submission third-party checked.
| GRI G3 Guidelines | Level of reporting | 2009 Comment |
|---|---|---|
| 1.1 Statement from the CEO i | 1 | IPF Annual Report 2009/Chief Executive Officer's Review/Overview p12
CR Homepage/Approach/CEO message |
| 1.2 Description of key risks and opportunities i | 1 | IPF Annual Report 2009/Chief Executive Officer's Review/Principle Risks p22
IPF Annual Report 2009/Group at a Glance/Future Opportunities p8 CR Homepage/Approach/Responsible business/Key issues |
| 2.1 Name of reporting organisation i | 1 | International Personal Finance plc |
| 2.2 Primary brands products and/or services, The reporting organisation should indicate the nature of its role in providing these products and services, and the degree to which it utilises outsourcing i | 1 | Our only brand is the Provident brand. IPF does not outsource services other than using self employed agents in most markets to issue loans and collect repayments. From time to time we may engage the use of external call centres.
Further information on our services is available at: IPF Annual Report 2009/Group at a Glance/Our Company p4 IPF Annual Report 2009/Chief Executive Officer's Review: How we do Business/Our Business Model p28 |
| 2.3 Operating structure of the organisation and major divisions, operating companies, subsidiaries and joint ventures i | 1 | IPF Annual Report 2009/Group at a glance/Our Markets p5
IPF Annual Report 2009/Notes to the financial statements/Note 12. Investment in subsidiaries p98 |
| 2.4 Location of organisation's headquarters i | 1 | Registered office: International Personal Finance plc Number three Leeds City Office Park Meadow Lane Leeds LS11 5BD |
| 2.5 Number of countries where the organisation operates, and the names of the countries with either major operations or that are specifically relevant to the sustainability issues covered in the report i | 1 | IPF Annual Report 2009/Group at a glance/Our Markets p5 |
| 2.6 Nature of ownership and legal form i | 1 | UK plc listed on the London Stock Exchange |
| 2.7 Markets served (including geographical breakdown, sectors served, types of customers/beneficiaries) i | 1 | IPF Annual Report 2009/Group at a glance/Our Markets p5
CR Homepage/CR in Practice/Our customers (paragraph 2) |
| 2.8 Scale of reporting organisation, including number of employees, net sales (for private sector organisations) or net revenues (for public sector organisations; and total capitalisation broken down in terms of debt and equity (for private sector organisations) and quantity of products and services provided and companies encouraged to provide further information - total assets and breakdowns by country/region of sales/revenues by country/region that make up 5% or more of total revenues/costs and employees i | 1 | IPF Annual Report 2009/Group at a glance/Group statistics p4
IPF Annual Report 2009/Chief Executive Officer’s Review/Key performance indicators p18 IPF Annual Report 2009/Notes to the financial statements/Note 21. Risks arising from financial instruments continued/Capital risk p111 |
| 2.9 Significant changes during the reporting period regarding size, structure or ownership, including: the location of, or changes in operations including facility openings, closings and expansions and changes in the share capital structure and other capital formation, maintenance and alteration operations i | 1 | IPF Annual Report 2009/Chairman's Statement/Trading Performance p10 (paragraph 6) |
| 2.10 Awards received in the reporting period i | 1 | CR Homepage/Approach/Stakeholders/ Benchmarking and Awards |
| 3.1 Reporting period for information provided i | 1 | Calendar year 2009 |
| 3.2 Date of most recent report if any i | 1 | International Personal Finance CR Report 2008 |
| 3.3 Reporting cycle i | 1 | Annual |
| 3.4 Contact point for questions regarding the report and its context i | 1 | corporate.responsibility@ipfin.co.uk |
| 3.5 Process for defining report content, including determining materiality, prioritising topics within the report and identifying the stakeholders that the organisation expects to use the report. Include an explanation of how the organisation has applied the Guidance on Defining Report Content and the associated principles i | 1 | CR Homepage/Reporting/Basis for Reporting/Deciding what to report |
| 3.6 Boundary of the report (e.g. countries, divisions, subsidiaries, leased facilities, joint ventures, suppliers) See GRI Boundary Protocol for further guidance i | 1 | CR Homepage/Reporting/Basis for Reporting/Reporting period and scope |
| 3.7 State any specific limitations on the scope of the report. If boundary and scope do not address the full range of material economic, environmental, and social impacts of the organisation, state the strategy and the projected timeline for providing complete coverage i | 1 | CR Homepage/Reporting/Basis for Reporting/Reporting period and scope |
| 3.8 Basis for reporting on joint ventures, subsidiaries, leased facilities, outsourced operations, and other entities that can significantly affect comparability from period to period and/or between organisations i | 1 | We currently have no pilot operations under way. We do not have any joint ventures.
CR Homepage/Reporting/Basis for Reporting |
| 3.9 Data measurement techniques and the bases of calculations, including assumptions and techniques underlying estimations applied to the compilation of the indicators and other information in the report. Explain any decisions not to apply, or to substantially diverge from, the GRI Indicator Protocols i | 1 |
CR Homepage/Reporting/Basis for Reporting/Customer data
CR Homepage/Reporting/Basis for Reporting/Workplace data CR Homepage/Reporting/Basis for Reporting/Agent numbers CR Homepage/Reporting/Basis for Reporting/Community Data CR Homepage/Reporting/Basis for Reporting/Environment Data |
| 3.10 Explanation of the effect of any restatements of information provided in earlier reports, and the reasons for such restatement (e.g. mergers/acquisitions, change of base year/periods, nature of business, measurement methods) i | 1 | Customer retention data restated due to revised measurement methods: CR Homepage/Reporting/Customer Data/Customer Retention (final paragraph) We have recalculated and restated carbon emissions data for 2007 and 2008 to align it to the latest 2009 DEFRA guidance on applying conversion factors. Please see: CR Homepage/Reporting/Basis for Reporting/Environment Data/Climate Change |
| 3.11 Significant changes from previous reporting periods in the scope, boundary or measurement methods applied in the report i | 1 | There have been no significant changes from previous reporting periods in the scope, boundary or measurement methods applied in the report. |
| 3.12 GRI Context Index Table identifying the location of the Standard Disclosures in the report. Identify the page number or weblinks where the following can be found: Strategy and analysis 1.1-1.2; Organisational profile 2.1-2.10; Report parameters 3.1-3.13; Governance, commitments and engagement 4.1-4.17; Disclosure of management approach per category, Core performance indicators, Any additional GRI indicators that were included, any GRI sector supplement indicators included in the report i | 1 | This is the GRI Index Table. |
| 3.13 Policy and current practice with regard to seeking independent assurance for the report. If not included in the assurance report accompanying the sustainability report, explain the scope and basis of any independent assurance provided. Also explain the relationship between the reporting organisation and the assurance provider(s) i | 1 | CR Homepage/Reporting/Assurance |
© 2010 International Personal Finance