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Business concept, mission, vision, client benefit, strategies and goals<br />
Client benefit<br />
Credit optimization<br />
With the right credit decision, our<br />
clients are able to maximize their sales<br />
results, Invoices are paid and profitability<br />
improves.<br />
Payment administration<br />
With Intrum Justitia taking care of<br />
invoicing and the accounts receivable<br />
ledger, the management of payments<br />
and reminders is conducted professionally,<br />
while our clients are able to<br />
focus on their core operations.<br />
Collection<br />
Thanks to collection efforts individually<br />
tailored to the consumer’s financial capacity,<br />
our clients incur less depreciation and enjoy<br />
better liquidity and greater profitability. At the<br />
same time, people encountering payment<br />
difficulties are helped to become debt-free.<br />
Financial services<br />
Our financial services enable our clients to<br />
increase their cash flow and reduce their<br />
financial risk.<br />
Operational targets and strategies<br />
Marketleading<br />
Goal Purpose STRATEGY<br />
We shall be market<br />
leader in each of the<br />
countries where we<br />
operate.<br />
This is important in that,<br />
thanks to our size, we have<br />
access to a larger database<br />
of business and credit information<br />
on markets, consumer<br />
groups and companies<br />
than our competitors.<br />
The strategy is to continue<br />
expanding – partly through<br />
organic growth in both credit<br />
management and financial<br />
services, and partly through<br />
acquisitions of complementary<br />
credit management companies<br />
and portfolios of receivables<br />
Complete<br />
range<br />
We shall be the<br />
natural choice for<br />
our clients and their<br />
needs throughout<br />
the credit management<br />
services chain.<br />
A comprehensive offering<br />
in the payment chain<br />
strengthens our relations<br />
with clients and increases<br />
our own insight on credit<br />
and payment patterns.<br />
The strategy entails continued<br />
growth in purchased debt,<br />
further development of our<br />
credit management services<br />
for e-trading companies and<br />
increased efforts to provide<br />
financial services early in the<br />
payment chain.<br />
Operational<br />
efficiency<br />
We deliver the<br />
highest quality<br />
as efficiently and<br />
securely as possible<br />
throughout the credit<br />
management<br />
services chain.<br />
Operational efficiency<br />
provides the opportunity to<br />
achieve a stable earnings<br />
trend and efficient pricing<br />
for enhanced growth in<br />
both credit management<br />
and financial services.<br />
The strategy primarily involves<br />
refining our methods and<br />
resources in scoring, collection<br />
measures via the legal system<br />
and risk management. We are<br />
also working continuously to<br />
enhance productivity in IT.<br />
A sound<br />
economy<br />
Intrum Justitia fills an<br />
important function in<br />
society by promoting<br />
a sound economy and<br />
credit environment.<br />
Our business contribute<br />
to companies being<br />
paid and that consumers<br />
do not end up in<br />
debt. By doing so we<br />
create sound societies<br />
with growing companies<br />
that provide new job<br />
opportunities.<br />
The strategy is to conduct<br />
sound debt collection processes<br />
and to be in the forefront of our<br />
industry. We also educate consumers<br />
on how credits and late<br />
payments impact the individual.<br />
We are also a disseminator<br />
of information through our<br />
European Payment Report and<br />
European Consumer Payment<br />
Report.<br />
Intrum Justitia Annual Report 2015<br />
9
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