Annual Report & Financial Statements

The report describes Provident Financial's strong 2008 performance, with group revenue of £751.2m and profit before tax of £128.8m despite turbulent economic conditions. It emphasizes responsible lending, close customer relationships and continued growth in customer numbers. Corporate responsibility was managed through a group-wide governance structure reporting to the board, alongside a long-standing environmental policy and ISO 14001 audit process. The report also highlights community investment and workforce initiatives, including training, equality and diversity, and employee volunteering.