BOOSTING OUR BUSINESS

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Our financial services offering Stable cash flow by means of financial services With our financial services, our clients gain the stable cash flow that is often needed to be able to run and develop their business. With services including factoring, payment solutions for e-trading companies and purchasing of receivables, our clients are paid even if the end-customer fails to pay. 14 Intrum Justitia Annual Report 2015
Our financial services offering Customer process Sales & Marketing Payment administration Collection <strong>OUR</strong> credit management services Credit optimization services Payment services Collection services Our financial services Financing services Purchased debt With financing services such as factoring, our clients sell their invoices to us and secure payment for most of the amount. With our service for e-trading companies, companies are paid directly while we offer consumers monthly invoices or accounts for installment payments. We can also acquire our client’s overdue receivables for a portion of the value and pursue collection activities ourselves. Financing services reduce risk and provide stable cash flow When companies seek stable cash flow or to temporarily increase their liquidity, in order to make investments, for example, or when they seek to minimize their financial risk – we are there to offer our financing services. This may, for example, involve factoring, whereby a company sells its invoices to us and is paid a larger part of the amount up front. It may also involve our services for the growing e-trading market. An increasing number of e-trading companies conduct operations whereby thousands of credits are provided to consumers every day, thus incurring considerable financial risk. Here, we offer services whereby e-traders are paid directly on completion of a sale, while consumers are offered monthly invoices or accounts for installment payments. With these services, the e-trade company is the sender of all communications to the consumer, thereby strengthening its brand and, accordingly, its competitiveness. For those clients, who seek to sell without risk and who do not want to devote resources to payment reminders and collection services, we offer payment guarantees after having first performed a credit assessment. We treat any unpaid invoices and collection cases. Overdue receivables become income According to our European Payment Report survey 2015, the proportion of invoices that went unpaid amounted to 3.1 percent of European companies’ annual revenues, corresponding to an estimated EUR 289 billion. This is money that could instead be used for investments in the companies’ operations – investments that generate jobs and opportunities for more Europeans to gain employment. As a stage in helping companies stabilize their cash flow, Intrum Justitia purchases overdue receivables. When we buy a company’s overdue receivables, its liquidity improves because it receives payment for a portion of the former receivable on which it previously risked losing payment entirely. They also get the possibility to reduce capitalization by selling off receivables that have fallen due. We determine the purchase consideration for portfolios of overdue receivables by forecasting how much of the debt will be repaid and when it is expected to be paid. Following a purchase, individual scoring is conducted, helping us manage cases in a way that optimizes the outcome. Through Intrum Justitia’s long-term collection measures, consumers become debt-free more easily, since we can assist them, in a professional manner, to reduce their debt, for example through payment plans that take into account each consumer’s payment capacity. Intrum Justitia Annual Report 2015 15
Page 1 and 2: BOOSTING OUR BUSINESS Annual Report
Page 3 and 4: 2015 in brief Revenues by region, %
Page 5 and 6: Intrum Justitia in brief Intrum Jus
Page 7 and 8: During the year we also strengthene
Page 9 and 10: Business concept, mission, vision,
Page 11 and 12: Our credit management offering Soun
Page 13: Case Interflora Interflora: A solid
Page 17 and 18: Corporate Social Responsibility (CS
Page 19 and 20: Intrum Justitia Annual Report 2015
Page 21 and 22: Market and clients Intrum Justitia
Page 23 and 24: Service lines Service lines Intrum
Page 25 and 26: Employees and values Shared values
Page 27 and 28: Employees and values Ciara McAdam S
Page 29 and 30: The share The share Intrum Justitia
Page 31 and 32: Financial overview Financial overvi
Page 33 and 34: Board of Directors’ Report Operat
Page 35 and 36: Board of Directors’ Report relate
Page 37 and 38: Board of Directors’ Report import
Page 39 and 40: Board of Directors’ Report manage
Page 41 and 42: Financial statements Consolidated I
Page 43 and 44: Financial statements Consolidated c
Page 45 and 46: Financial statements Income stateme
Page 47 and 48: Financial statements Parent Company
Page 49 and 50: Notes Notes Significant accounting
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Notes Cont.Note 20 Other shareholde
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Notes NOTE 24: Accrued expenses and
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Notes Cont.Note 28 pensation. Furth
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Notes Cont.Note 33 interest with sh
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Notes Cont.Note 34 Financial liabil
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Notes Cont.Note 35 Transaction cost
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Audit report Audit report To the An
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Board of Directors Charlotte Ström
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Group Management Team Jean-Luc Ferr
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Corporate governance report present
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Corporate governance report issues.
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Definitions Average number of emplo
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