Shop Foreign Currency Shop Jewellery & Watches Branch Locator Investor Relations About Us Shop Contact About Us Investor Relations About Us ABOUT US BUSINESS AND STRATEGY REGULATORY NEWS SERVICE REPORTS, PRESENTATIONS & NOTICES SHARE PRICE FINANCIAL CALENDAR THE BOARD & GOVERNANCE ENVIRONMENTAL, SOCIAL, GOVERNANCE (ESG) ASSOCIATION MEMBERSHIPS SHAREHOLDERS ADVISERS INVESTOR CONTACTS COMPANY REGISTRATION AIM RULE 26 About Us Ramsdens is a growing, diversified, financial services provider and retailer, operating in the four core business segments of foreign currency exchange, pawnbroking loans, precious metals buying and selling and retailing of second hand and new jewellery. Headquartered in Middlesbrough, and from roots that can be traced back to the 1970s, the Group operates from over 150 stores within the UK (including 3 franchised stores) and has a growing online presence. VIDEO: The Ramsdens Way - Background to where we have come from and where are we going: VIDEO: Peter Kenyon, CEO, in conversation with Downing LLP: In the last financial period, the Group served over 930,000 customers across its different services. Ramsdens is fully FCA authorised for its pawnbroking and credit broking activities. Ramsdens grew significantly between 2009 and 2013, investing heavily in the Ramsdens brand, its core service lines and store estate. Following a change in market conditions, including a material fall in the gold price, the management team reacted decisively to focus on cash generation from the existing store estate. In 2014, a management buyout facilitated an exit of the previous major shareholders of Ramsdens and provided the funding that enabled the Group to repay its existing bank debt and management to update its strategy. Since the MBO, the Group’s strategy has focussed on growing profits from the existing store estate through investment in the foreign currency exchange and jewellery retail segments, acquiring pawnbroking loan books and optimising cash generation with the ultimate aim of creating a well balanced, resilient business from which to generate further growth, both organically and by acquisition. The Directors believe that the Group’s key strengths are: a good record of cash generation and a strong balance sheet; an experienced and motivated senior management team with a clear growth strategy; a recognised brand benefiting from significant investment including sports sponsorship and TV advertising; a diversified and complementary offering of products and services appealing to a broad demographic; a well invested branch estate and central infrastructure to support growth, including a market leading IT system; and a large, growing and high repeat customer base. From this strong platform, the Directors believe that it will continue to progress through the unprecedented COVID-19 impacted trading conditions and when the ‘new normal’ trading conditions return, have a real opportunity to grow the business in the markets in which the Group operates. About Ramsdens Ramsdens is a growing, diversified, financial services provider and retailer, operating in the four core business segments of foreign currency exchange, pawnbroking loans, precious metals buying and selling and retailing of second hand and new jewellery. Facebook Twitter Useful Links AIM Rule 26 About Us Shop Jewellery Shop Currency Our Services Gender Pay Report Modern Slavery & Human Trafficking Contact Contact Us +44 (0) 1642 579957 enquiries@ramsdensfinancial.co.uk Ramsdens is a trading name of Ramsdens Financial Limited and is authorised and regulated by the Financial Conduct Authority for consumer credit activities. Our firm reference number is 703463 and we can be found on the Financial Services Register. This authorisation and regulation is limited to the provision of Pawnbroking and credit brokerage and excludes all other services offered by Ramsdens. Ramsdens Financial Limited is registered in England and Wales. Registration Number: 8811656. Registered Office: Unit 16, The Parkway Centre, Coulby Newham, Middlesbrough, TS8 0TJ.