INTERNATIONAL PERSONAL FINANCE - Issue of bonds by IPF Investments Polska sp. z o.o.

POLISH FINANCIAL SUPERVISION AUTHORITY

UNI - EN REPORT No 64 / 2015

Date of issue: 2015-06-03

Short name of the issuer

INTERNATIONAL PERSONAL FINANCE

Subject

Issue of bonds by IPF Investments Polska sp. z o.o.

Official market - legal basis

Art. 56 ust. 1 pkt 1 Ustawy o ofercie - informacje poufne

Unofficial market - legal basis

Contents of the report:

3 June 2015 Issue by IPF Investments Polska sp. z o.o. (“IPF IP") of PLN200m (£35m equivalent) five year bonds due in 2020, and buy-back of PLN 90.6m (£16m equivalent) of existing bonds issued by IPF IP and due 30 June 2015 IPF IP, a wholly owned subsidiary of International Personal Finance plc (“IPF") has today completed the issue of PLN200m (£35m equivalent) five year bonds due in 2020. The bonds carry a floating rate coupon of 6-month WIBOR (Polish interbank reference rate) plus a margin of 425 basis points. The proceeds of the new issue will be used in part to buy back PLN 90.6m (£16m equivalent) of IPF IP’s existing bonds due 30 June 2015, which carry a floating rate coupon of 6-month WIBOR plus a margin of 750 basis points. The remaining PLN 109.4m (£19m equivalent) of the existing bonds will be repaid at maturity. Adrian Gardner Chief Financial Officer of IPF commented: "The successful completion of this transaction is part of our strategy of raising long-term funds at lower cost and from diversified sources. We have accessed the local bond market in Poland, IPF's most significant country of operation, to raise local currency funds from a wide domestic investor base. The transaction was arranged by two Polish relationship banks which are part of large international bank groups. The transaction demonstrates our ongoing commitment to the Polish financial markets – IPF’s shares are dual listed on the Warsaw Stock Exchange and the London Stock Exchange; and the bonds will be listed in Warsaw on the alternative trading systems organised by the Warsaw Stock Exchange and BondSpot S.A.. Proceeds will be used for the future growth of both our Home Credit and Digital businesses in Poland and elsewhere." The bookrunners were Bank Polska Kasa Opieki S.A. a subsidiary of UniCredit Group, and Bank Zachodni WBK S.A. a subsidiary of Santander Group. For further information contact: International Personal Finance plc Nick Dahlgreen (Group Treasurer) [phone] Ben Murphy (Group Legal Director and Company Secretary) [phone] Rachel Moran (Investor Relations Manager) [phone] Nick Jones (Media) [phone] Provident Polska S.A. Piotr Cybulski (Treasury Manager) [phone] Roman Jamiołkowski (Head of PR bureau) [phone] FTI Consulting Paul Marriott/Neil Doyle [phone]

Annexes

File Description

INTERNATIONAL PERSONAL FINANCE PLC

(fullname of the issuer)

INTERNATIONAL PERSONAL FINANCE Finanse inne (fin)

(short name of the issuer) (sector according to clasification of the WSE in Warsow)

(post code) (city)

Building Three Leeds City Office Park Meadow Lane

(street) (number)

[phone] [phone]

(phone number) (fax)

(e-mail) (web site)

911347253

(NIP) (REGON)

SIGNATURE OF PERSONS REPRESENTING THE COMPANY

Date Name Position / Function Signature

2015-06-03 David Broadbent Director