An overview of
Our Business Model

Creating value for our stakeholders 

 

By making a difference in the lives of our customers with simple, personalised financial solutions, we generate further long-term value for all our stakeholders.
 

What we do

We specialise in lending to customers that banks find difficult to serve and often overlook. We are successful because of our long history of close customer relationships and simple, transparent credit products which are tailored to meet our customers' needs and financial circumstances. Our key resources include:

  • Talented people
  • Technology
  • Strong financial profile
  • Well-known brands

 

What makes us different?

Being the only business to offer both home credit and digital loans in our markets, we have a differentiated proposition from that of other credit providers.

Home Credit

We serve small-sum cash loans to those on lower incomes and our agents have high levels of contacts with their customers to help them stay in control of their credit. We carefully assess customer creditworthiness and lead responsibly with our 'low and grow' strategy, offering new customers smaller loans until they demonstrate their ability to repay a loan. The home credit model with its large agent infrastructure is very hard to replicate. 

IPF Digital

Our digital business model meets the needs of a growing number of customers in our consumer segment who want affordable credit that can managed online. We offer innovative and flexible products, with a great customer service, a loan. The home credit model with its large agent infrastructure is very hard to replicate.

How we deliver

Our returns are generated by lending responsibly while managing the business efficiently. Our home credit businesses generate 79% of Group revenue, primarily through the agent service model. IPF Digital is a less mature and evolving business, and contributes 21% of revenue.


Value creation

We create value by building close, long-term relationships with our customers. As a trusted, responsible and successful business, we also make a valuable contribution to the communities we serve.

Our customers

We enable our customers to access affordable credit for the things they need.

c.£500
credit issued per home credit loan

 

Communities

We engage financial inclusion and invest in our communities.

£678,000
invested in our communities

 

Shareholders and investors

A successful business with a long track record of generating returns, albeit adversely impacted by Covid-19 in 2020.


 

Employees and agents

We enable our customers to access affordable credit for the things they need.

22,000
people across the business

 

Regulators and legislators

We engage with regulators to support sustainable financial markets.

45
sector association memberships


 

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

Our Financial Performance

Return of Investment analysis

Our Investment Proposition