-----BEGIN PRIVACY-ENHANCED MESSAGE----- Proc-Type: 2001,MIC-CLEAR Originator-Name: webmaster@www.sec.gov Originator-Key-Asymmetric: MFgwCgYEVQgBAQICAf8DSgAwRwJAW2sNKK9AVtBzYZmr6aGjlWyK3XmZv3dTINen TWSM7vrzLADbmYQaionwg5sDW3P6oaM5D3tdezXMm7z1T+B+twIDAQAB MIC-Info: RSA-MD5,RSA, S9YEa5nrrTU1IVNntN+fKJ5IrZgpHxClqtTWokzMEg6WsM0yct/NlzA5Wsce0tl2 qHWAzruF3xnAnzTSDmAXrw== 0000354964-02-000026.txt : 20020416 0000354964-02-000026.hdr.sgml : 20020416 ACCESSION NUMBER: 0000354964-02-000026 CONFORMED SUBMISSION TYPE: 8-K PUBLIC DOCUMENT COUNT: 192 CONFORMED PERIOD OF REPORT: 20020409 ITEM INFORMATION: FILED AS OF DATE: 20020409 FILER: COMPANY DATA: COMPANY CONFORMED NAME: HOUSEHOLD INTERNATIONAL INC CENTRAL INDEX KEY: 0000354964 STANDARD INDUSTRIAL CLASSIFICATION: PERSONAL CREDIT INSTITUTIONS [6141] IRS NUMBER: 363121988 STATE OF INCORPORATION: DE FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: 8-K SEC ACT: 1934 Act SEC FILE NUMBER: 001-08198 FILM NUMBER: 02605147 BUSINESS ADDRESS: STREET 1: 2700 SANDERS RD CITY: PROSPECT HEIGHTS STATE: IL ZIP: 60070 BUSINESS PHONE: 8475645000 MAIL ADDRESS: STREET 1: 2700 SANDERS ROAD CITY: PROSPECT HEIGHTS STATE: IL ZIP: 60070 8-K 1 hi8k40902.htm HOUSEHOLD'S FINANCIAL RELATIONS CONFERENCE FORM 8K

FORM 8-K

UNITED STATES
SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

 

Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934

 

Date of Report: April 9, 2002

(Date of earliest even reported)

 

HOUSEHOLD INTERNATIONAL INC.

(Exact name of registrant as specified in its charter)

 

Delaware
(State of incorporation or organization

1-8198
(Commission File Number)

36-3121988
(I.R.S. Employee Identification No.)


2700 Sanders Road
Prospect Heights, Illinois 60070
(Address of principal executive officers)

Registrant's telephone number, including area code: 847- 564- 5000

 

 

 

 

 

 

 

 

 

 

 

Item 9. Regulation FD Disclosure

On April 9, 2002, Household International, Inc. ("Household") held its annual Financial Relations Conference that was simultaneously webcast through the Household website (www.household.com). The slide presentation made by representatives at this conference is included in this Form 8K as Exhibit 99 and is being furnished in accordance with Regulation FD of the Securities and Exchange Commission.

The presentation includes information that constitutes forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995 and as such will involve known and unknown risks, uncertainties and other factors that may cause the actual results, performance or achievements of Household, or its subsidiaries, to be materially different from any future results, performance or achievements expressed or implied by such forward-looking statements. Forward-looking statements are based on information, which is available to Household on the date they are made, and therefore they express Household's current views and current assumptions that may change. For a list of important factors that could affect Household's actual results or could cause such results to vary materially from those expressed in the information furnished with this filing on Form 8-K, please see Household's Form 10K for the year ended December 31, 2001 which was filed on March 13, 2002 with the Securities and Exchange Commission.

 

 

Item 7. Exhibits

No.

Description

 

99

Slide Presentations of various executives of Household International, Inc. made on April 9, 2002.

 

 

 

 

 

 

 

 

 

SIGNATURES

 

Pursuant to the requirements of Section 12 of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned, hereunto duly authorized.

 

HOUSEHOLD INTERNATIONAL, INC.
(Registrant)

 

 

By: /s/ John W. Blenke

      John W. Blenke
     Vice President and Assistant Secretary

 

Dated: April 9, 2002

 

 

 

 

 

 

 

 

Exhibit Index

Exhibits

 

 

No.

Description

 

 

 

 

99

Slide Presentations of various executives of Household International, Inc. made on April 9, 2002.

 

 

 

 

 

 

 

 

 

 

 

 

 

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About 42% of Decision One business purchased by HMS

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About 42% of Decision One business purchased by HMS

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About 42% of Decision One business purchased by HMS

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About 42% of Decision One business purchased by HMS

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Slide 1

 

 

Slide 2

 

 

Slide 3

About 42% of Decision One business purchased by HMS

Slide 4

 

 

Slide 5

 

 

Slide 6

Underwrite credit first and only then review collateral if credit satisfactory.

2001 originations:

Average FICO is 625 (618 for 1st and 650 for seconds)

PPP averaged 5.2 months interest and 3.3 months length (clarification to come)

Slide 7

Net Income = $226.0 million

ROMA = 1.61%

Loss ratio = 78 bps

Efficiency Ratio = 27.46%

Slide 8

10 forward commitment agreements

Slide 9

Loan sale completed 3/27/02

Slide 10

 

 

Slide 11

 

 

Slide 12

 

 

Slide 13

 

 

Slide 14

Prime Credit Card and Direct Lending has remained competitive with continued pressure on margins. Due to high levels of re-mortgaging and super competitive rates on first mortgages, our 2nd mortgage business has also experienced greater levels of competition.

Whilst consumers across the board are becoming more financially aware, our branch network has experienced less pressure on margins - indeed we increased yields in 2001.

Consumer indebtedness is gradually increasing. However, low interest rates are keeping loan repayments relatively flat:

1999 2000 2001

Debt / Income 110% 113% 120%

Interest / Income 8% 8.25% 9%

(source: Thompson Financial Datastream)

Regulatory focus is increasing due to the increased powers of the Financial Services Authority (FSA). Greater levels of supervision etc. The FSA is also now heavily championing the consumer

Slide 15

2000 Net Income includes HSBC settlement (18.7m Pounds pre-tax)

Receivables growth excluding Goldfish was 209m Pounds (6%)

 

Slide 16

 

 

Slide 17

In 2002, re-brand c. 19 HFC branches to Beneficial Finance and open around 10 new units

Central Sales is now a fully scaled telemarketing unit and will make unsecured loan sales in excess of 90m Pounds in 2002.

Cross selling branch loans to Retail point of sale customers is hugely profitable. We aim to increase activity by c.20% in 2002.

 

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GRAPHIC 117 imag474.gif OVERVIEW PRESENTATION - GRAPHIC begin 644 imag474.gif M1TE&.#=AX`%H`?<``````)D``+```+$8$?!@`/^'`/^Z`/___P`````````` M```````````````````````````````````````````````````````````` M```````````````````````````````````````````````````````````` M```````````````````````````````````````````````````````````` M```````````````````````````````````````````````````````````` M```````````````````````````````````````````````````````````` M```````````````````````````````````````````````````````````` M```````````````````````````````````````````````````````````` M```````````````````````````````````````````````````````````` M```````````````````````````````````````````````````````````` M```````````````````````````````````````````````````````````` M```````````````````````````````````````````````````````````` M```````````````````````````````````````````````````````````` M```````````````````````````````````````````````````````````` M```````````````````````````````````````````````````````````` M```````````````````````````````````````````````````````````` M```````````````````````````````````````````````````````````` M`````````````````````"'Y!```````+`````#@`6@!0`C_``\('$BPH,&# M!`,@7,BPH<.'$"-*G$BQHL6+&#-JW,BQH\>/($,V5"BRI,,!*%.J3"F@H("7 M!%_"'"BSY0&9"W'2G"FP9D^>.G,&]6FRJ-&C2),J14K2($J"3Y\*E#I@H-0# M*:=6M;JRZM6H6[5RE6B3(=&?,X,:5,M6YU">",^>74JWKMV[>$TVS&$ M16U('W4>BO2>A"'AMUY[]0F4XH?ML3A?A2NNZ***!\DH8XLTXMAB>CP6-"** M.IXX7XXS%DFDD4<6*62.-K+7HXY#?OCDBTDNZ>*/\85(XI9<=NFE=$]22.2- M.))Y9)-18IEDE%6FR::2;\(Y(Y93KCEGF6V.B6>>=\:))(S;Y6DF?8'*Z>>7 MB":JZ*+3%5JGFBPZJN:D4TYZ'Z1A[FEHH3X.R2F,[E6Z8ZBCJHAIJ81J>JI! 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