Investment Proposition

A strong international business with good returns and growth opportunities


We are a profitable, well-funded consumer credit business with a track record of meeting underserved customers’ needs responsibly.

Highly responsible consumer finance

World’s largest home credit business and a leading fintech operator.

Focused business and financial strategy

Developing businesses earning good returns and maintaining a strong financial profile.

Effective risk management

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

Strong financial profile

Robust balance sheet and strong funding position.

Experienced management team

Broad range of financial services experience.

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

Our Financial Performance

Our Strategy

Our Business Model