HomeChoiceInternational plc announced that As a result, despite strong digital sales, the retail business experienced a reduction in overall sales in the first half of the financial year compared to the same period last year. Loan disbursements in the financial services business were also significantly curtailed from the end of March 2020 to defensively preserve cash and manage credit risk. The 275 basis point cuts to the Repo rate since January 2020 further impacted revenues, with the rate now at a 50-year low. As a result, total Group revenue for the six months ended 30 June 2020 declined by 4.9% overall, with total retail revenues declining 10% and groupwide finance income earned reducing by 0.9% when compared to the same period last year. The Group has reasonable certainty that earnings per share (EPS) and headline earnings per share (HEPS) for the six months ended 30 June 2020 will range between 100 cents to 110 cents, or between 57% and 52%, lower than the corresponding period.