
The group's mission is to refocus on customer solutions and continue to be the leader in the non-standard market responsibly providing access to credit to customers who are not well served by mainstream lenders. We will develop our culture and governance to build better regulatory relationships and play a positive role in the communities we serve.
Our core values shape what we do and how we do it and provide a base against which our performance is assessed.
Provident Financial owns Vanquis Bank and specializes in consumer credit with its Provident and Satsuma Loans brands. It operates in the United Kingdom. Provident also owns Moneybarn, which specializes in car finance for consumers in the nonstandard credit market. The bank's approach to nonstandard lending includes attempting to secure longer-term lower-rate funding and assessing the credit worthiness of its individual customers. Provident also emphasizes growing higher-return businesses in nonstandard markets, while at the same time maintaining a disciplined capital structure. Its largest business by customer base is its credit card business supplied by Vanquis Bank. The bank gives its customers a low credit limit and increases it based on how a customer has handled their account.

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