We are International Personal Finance plc, a global financial services company, responsibly offering simple and affordable financial solutions. Our expert teams work together, every day, to meet the unique needs of our customers to build a better world through financial inclusion. Since 1997, more than 14 million individual customers have used our services, choosing a financial solution that best meets their needs from our broad portfolio of innovative products. Our home credit service is available through our Provident brand in Europe and Mexico and our digital services are offered through Creditea and Credit24 brands in Australia, Europe, the Baltics and Mexico. Our customers, who are often underserved by the financial services sector for many reasons, are able to fulfil their plans with the simple and personalized financial solutions we offer and progress with education, healthcare or managing unexpected expenses to mention just a few. We are here for our customers not only when they need it today, but they can be sure of our support on their ongoing financial journey, tomorrow. As a purpose-led business, we do this whilst actively balancing the needs of and serving all of our stakeholders including our customers, our communities, our colleagues, investors and our ethical and regulatory commitments. Take a minute to discover how we do this every day in our annual report and on our website. All this is possible thanks to the 22,000 professionals we cooperate with across the globe. We are a people business, and we aim to attract, inspire and engage a talented team. Widely recognized as a top employer, we make sure that our people enjoy a friendly and modern working environment and are offered equal development opportunities.