Core Viewpoint - Credit Corp aims to lead in the credit impaired consumer segment, focusing on consumers with previous credit difficulties and emphasizing responsible operations and compliance [1] Group 1: Business Strategy and Objectives - The company targets strong earnings growth with a defined return on equity of 16% while maintaining a conservative capital structure [2] - Credit Corp operates in a complex environment requiring specialized approaches to manage customers facing hardship, which necessitates strong operational capabilities [1] Group 2: Financial Performance - In the first half of the year, Credit Corp's net profit after tax remained flat at $44.1 million compared to the previous year, attributed to upfront loss provisioning and marketing costs associated with asset growth [2] - Despite the flat profit, both the loan book and purchased debt ledger book showed growth compared to the prior year, indicating positive investment metrics [2]