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International Personal Finance ticked all the right boxes last year, boosting customer numbers by 9 per cent to 2.4m but not at the expense of credit quality. By adhering to strict lending criteria, the lender managed to reduce impairments by 1.8 percentage points to 25.8 per cent of revenue. Profits would have been higher still without additional costs relating to more generous early settlement rebates, required under EU law, which rose by £13.3m.