An overview of
Our Business Model

IPF offers both home credit and digital products. This business model generates good sustainable returns for shareholders, while delivering value for our customers, employees, agents and the communities in which we operate. 

We know our customers well and understand their specific needs and financial circumstances. Everything we do revolves around the relationships we have with our customers – from the unique relationships our agents have with them in their home, to the service we provide remotely to our digital customers. Our success depends on serving them well and retaining their custom.

Our business model is underpinned by our values and we operate and make decisions consistent with being responsible, respectful and straightforward. High standards of governance are also important to our sustainability and we actively identify, manage and aim to mitigate the principal risks facing our business.

Our profit is generated from lending responsibly while managing the business efficiently. Our home credit businesses generate a high proportion of Group revenue primarily through the agent service model. While our digital business delivers a smaller contribution currently, we believe it offers a significant future growth opportunity driven by growing demand for online lending and the ability to operate within a regulatory environment where the trend is for lower cost products.


Close up of female accountant or banker making calculations. Savings, finances and economy concept

Our Financial Performance

Return of Investment analysis

Our Investment Proposition