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Contents<br />
Anette Sjöblom, customer support; Eric Burton, Business<br />
Development manager; Linus Hansson, CRM; Sara<br />
Gustavsson, IT manager; and Johanna Nyberg, project<br />
manager at <strong>Intrum</strong> <strong>Justitia</strong> Sweden.<br />
Sebastiaan Dommisse, supervisor Consumer Collection at<br />
<strong>Intrum</strong> <strong>Justitia</strong> Netherlands.<br />
This Annual Report is a translation from a Swedish original. In the<br />
event of any differences between this translation and the Swedish<br />
Annual Report (Årsredovisning 2005), the latter shall govern.<br />
3 Statement by the CEO<br />
5 Objectives and strategy<br />
By staying close to clients and debtors, we are better<br />
able to offer services tailored to the local market’s<br />
maturity, regulations and practices.<br />
6 Operations and offering<br />
In most cases the older a debt becomes, the more<br />
diffi cult it is to collect, which makes time a critical<br />
element in all credit management activities.<br />
10 Clients discuss <strong>Intrum</strong> <strong>Justitia</strong><br />
12 Market and clients<br />
The upward trend in CMS outsourcing, continued<br />
deregulation and rising indebtedness are key driving<br />
forces behind market growth.<br />
16 Regulatory systems and legislation<br />
18 Payment behaviour in Europe<br />
19 <strong>Intrum</strong> <strong>Justitia</strong> in Europe<br />
Following our latest acquisition, a leading CMS company<br />
in Slovakia, we have our own operations in 22 countries.<br />
22 Employees<br />
24 Financial review and defi nitions<br />
26 The share and shareholders<br />
Annual report, consolidated accounts and audit report<br />
29 Board of Directors’ report<br />
34 Proposed disposition of profi t<br />
35 Income statements<br />
36 Balance sheets<br />
38 Cash fl ow statements<br />
39 Changes in shareholders’ equity<br />
40 Notes<br />
63 Audit report<br />
64 Corporate governance report<br />
70 Report on internal control<br />
71 Information for shareholders<br />
71 A history of debt collection<br />
Cover<br />
Raquel Vidal, accountant; Alfonso Latorre, account manager;<br />
and Ana Fernández, administrator at <strong>Intrum</strong> <strong>Justitia</strong> Spain.
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