Investment Proposition

We are a resilient, well-funded consumer finance business with a longstanding track record of meeting the needs of underserved customers responsibly.

Highly-responsible and financially inclusive

We lend responsibly to customers who are underserved by banks and have a limited credit history.

Resilient, geographically diversified business models

Long-established home credit business model has proven resilient to economic downturns and digital lending business has operated successfully for more than 15 years.

Effective risk management

Successful track record of managing key risks including credit, regulation, competition and liquidity.


Well-developed risk management framework and processes aligned to the strategic objectives.


Strong financial profile

Strong historical financial performance, robust balance sheet and refinancing completed in 2020 delivered funding foundation to support long-term growth.

Experienced management team

Highly experienced Board and senior management team with a broad range of financial services experience combined with international home credit and digital lending expertise.

Clear path to rebuild and generate returns

Cost base reduced significantly and implementing strategy to deliver return to full-year profitability and long-term growth.

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

Our Financial Performance

Our Strategy

Our Business Model