At Premium Credit, sustainability is not treated as a separate agenda or a reporting exercise. It is integral to how we create long-term value; for our customers, colleagues, partners and the communities in which we operate.

Our approach recognises that people and sustainability are two sides of the same value-creation coin. Sustainable outcomes are delivered through leadership behaviours, everyday decisions, workforce capability, and culture, not through standalone programmes.

In 2025, we reinforced this commitment by creating a dedicated sustainability business line and appointing a Sustainability Director reporting to the Chief People and Sustainability Officer, strengthening accountability, and embedding sustainability at the heart of how the organisation is led.

This integrated approach supports our 2030 growth ambition by strengthening the foundations that enable scale: an engaged and capable workforce, trusted customer and partner relationships, and strong governance and controls. It also allows us to take a more deliberate, data-led view of the choices that shape the business, balancing short-term performance with long-term impact, productivity with wellbeing, and growth with responsibility.

By embedding sustainability through our people, systems and decision-making, we are positioning Premium Credit to deliver sustained performance today while building the resilience, capability and trust required for long-term success.

Read more in our Annual Report on how we are supporting our customers and partners and our responsibility