WARSAW, Poland, March 9, 2026 (EZ Newswire) -- Provident Polska S.A., a key subsidiary of International Personal Finance plc (IPF), has demonstrated significant operational momentum following the publication of the Group’s half-year 2025 (HY25) financial results. Provident Polska, which operates as a licensed payment institution offering specialized payment credit and credit cards, has played a central role in the Group’s reported 5.5% increase in pre-exceptional profit before tax to £49.9 million.

In Poland, the business has returned to a strong growth footing, delivering a 17% increase in customer lending at constant exchange rates. This performance is a cornerstone of the Group’s "Next Gen" strategy, which focuses on building products and channels to ensure propositions remain attractive to the next generation of customers.

Digital Innovation and Product Expansion

A milestone achievement for the Polish market in the first half of 2025 was the expansion of the credit card portfolio. Provident Polska reached 160,000 credit cards, supported by a fully digital offering launched during the period. The Group also noted strong demand for shorter-term products currently being trialled in the Polish market.

“We have delivered a strong first-half performance with financial results ahead of our internal plan,” said Gerard Ryan, CEO of IPF. “This was driven by high demand for our portfolio of credit products, excellent credit quality, and a continued focus on cost discipline. Our ‘Next Gen’ strategy is delivering good progress, and we are continuing to invest in our digital transformation to meet the evolving needs of our customers.”

Key Financial and Operational Performance

The HY25 results highlight several critical benchmarks from the report:

• Lending Growth: Poland’s 17% increase in customer lending contributed to a Group-wide 11% rise in customer lending.
• Credit Quality: The Group annualised impairment rate improved to 8.3% (from 10.5% in H1-24), reflecting a resilient portfolio and strong repayment performance.
• Digital Transformation: The expansion of customer apps and mobile wallets continues to drive improved customer experience and high Net Promoter Scores.
• Receivables Growth: Group receivables grew by 12%, with European home credit contributing £502 million to the closing net receivables.