Key Performance Highlights

Key performance highlights for the twelve months ended 31 December 2015 

  • Robust financial performance despite regulatory challenges in Europe
  • Strong underlying growth in profit before tax and exceptional items of 10% (£12.6 million) before additional investment of £2.8 million in IPF Digital and negative FX impact of £17.2 million
  • Group profit before tax and exceptional items of £116.1 million
  • Statutory profit before tax £100.2 million
  • Home credit – significant progress in Mexico; responding to market conditions in Europe
  • Strong growth in IPF Digital and significant market opportunity
  • Strategy evolved to meet changing consumer and market environment
  • Robust funding position and further returns to shareholders










Progress on our strategy

1. Expanding our footprint

We intend to grow in our existing markets and new countries both organically and through acquisitions. 

KPIs

Read more about our progress in our 2015 Annual Report here (PDF).

2. Improving customer engagement

We will expand our product set and, moving forward, focus on adding digital channels and using technology to make our customer journey as easy as possible.

KPIs

Read more about our progress in our 2015 Annual Report here (PDF).

3. Developing a sales culture

We will further develop the relationship between our home credit and digital businesses, and strengthen our sales and service capability.

KPIs

Read more about our progress in our 2015 Annual Report here (PDF).

4. Effective execution

We will invest in technology to improve our customer service, increase efficiency and reduce our cost base.

KPIs

Read more about our progress in our 2015 Annual Report here (PDF).