Home Credit
Provisional findings report
Published: 28.04.06
Provisional
findings report
Appendices
Appendix
1.1: Terms of reference
Appendix
1.2: Broader public interest concerns
Appendix
1.3: Provision of evidence
Appendix
1.4: Documents published on CC website
Appendix
2.1: Information Sharing Principles of Reciprocity: Version
25, September 2005 (source: Experian)
Appendix
2.2: Large and medium providers
Appendix
2.3: Evolution of home credit customers’ profiles over
time
Appendix
3.1: APRs
Appendix
3.2: Effective interest rate analysis
Appendix
3.3: Cost of capital for UK home credit providers
Appendix
3.4: The measurement of profitability: a note prepared for
submission to the Competition Commission on behalf of Provident
Financial plc
Appendix
3.5: Provident’s profitability model
Appendix
3.6: Report on Certain Issues Arising out of the Report by
the Competition Commission on the Supply of Banking Services
by Clearing Banks to Small and Medium-Sized Enterprises
Appendix
3.7: Home Credit Market Inquiry, Analysis of Profitability
for Provident Financiall
Appendix
3.8: Assessment of profitability, using return on capital
employed
Appendix
3.9: Competition Commission Market Investigation into the
Supply of Home Collected Credit: A Statement by Professor
Colin Mayer
Appendix
4.1: Econometric
analysis of price sensitivity of home credit loans
Appendix
4.2: A visual analysis of cross-price sensitivities and switching
between different home credit products by the same provider
Appendix
4.3: A visual analysis of the correlation between home credit
and mainstream credit prices
Glossary
Note: The Competition Commission has excluded from this published
version of the provisional findings report information which
the inquiry group considers should be excluded having regard
to the three considerations set out in section 244 of the
Enterprise Act 2002 (specified information: considerations
relevant to disclosure). The omissions are indicated by . .
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