BOOSTING OUR BUSINESS

Service lines
Service lines
Intrum Justitia’s service offering is divided into two areas of
operations – Credit Management and Financial Services.
The Credit Management service line accounts for 63 percent of consolidated total revenues
and 44 percent of earnings. Almost 95 percent of the Group’s employees work in this service
line. The services are described in greater detail on pages 11–13.
The Financial Services service line consists predominantly of investments in portfolios of
overdue or written-off receivables. This service line accounts for 37 percent of consolidated total
revenues and 56 percent of earnings. The services are described in greater detail on pages 14–15.
Credit Management Services
Share of
Share
of revenue
service
line earnings
2015 2014 % % fx
63% 44%
Revenues, SEK M 4,194 3,844 9 5
Service line earnings, SEK M 1,049 912 15 11
Service line margin, % 25 24 1 ppt –
Financial Services
8 000
6 400
Share
of revenue
4 800
3 200
1 600
Share of
service
line earnings
37% 56%
25
1 500
60
20
50
1 200
2015 2014 % % fx
40
15
900
Revenues, SEK M 2,423 2,173 12 7
30
Service 10 line earnings,
600SEK M 1,345 1,159 16 12
20
Service line margin, % 56 53 3 ppt –
5
300
10
0
0
0
0
SEK M
8,000
% SEK M
%
25
1,500
60
6,400
20
1,200
50
4,800
3,200
1,600
0
15
900
10
600
5
300
0
0
2011 2012 2013 2014 2015 2011 2012 2013 2014 2015
40
30
20
10
0
■ Credit Management,
service line earnings
■ Financial services,
service line earnings
■ Credit Management,
service line margin %
■ Financial services,
service line margin %
■ PD Book value ■ PD ROI
PD Book Value/PD ROI
Purchased debt book value increased to
SEK 7 027 M in 2015. The return on purchased
debt was 20 percent in 2015.
Service line earnings/Service line margin
Service line earnings were SEK 1,049 M for Credit
Management and SEK 1,345 M for Financial services in
2015 while service line margins were 25 percent and 56
percent respectively.
Intrum Justitia Annual Report 2015
23