An overview of IPF’s
Material Issues

We’re framing our success from a long-term perspective and making the decisions which will pay-off over a longer period. 

Our sustainability strategy is all about managing financial, social and environmental risks, obligations and opportunities to create a successful business in the long-term. It is all part of a well-run business, contributing to our reputation and helping us to prepare for potential future regulation.
Stakeholder engagement is at the heart of our sustainability activity. We seek to establish and maintain sustainable relationships with all of our stakeholders and we have enshrined the basis of this co-operation in our Code of Ethics. 


We believe that it is important to ensure that we are acting ethically at all times. We provide a clear template to colleagues through our Code of Ethics and place a great emphasis on communicating with, and training, employees and customer representatives through the use of real-life ethical dilemmas. We are committed to human rights and make an annual communication on progress through our membership of the UK Network of the United Nations Global Compact.

Responsible Lending

The relationship we have with our customers is fundamental to the sustainable success of our business. We know that to maintain an on-going relationship with our customers we need to treat them fairly. Our business model is orientated towards financial inclusion and we pride ourselves on helping to provide finance customers who have limited access to credit elsewhere.


Investing in our local communities gives us a great platform to engage with colleagues, customers and local authorities. We place a strategic focus on promoting financial literacy as we believe it is important to support responsible lending through financial education.

Environmental Management

We are committed to reducing our impact on the natural environment through responsible resource use. We have initiatives throughout the business aimed at having the most significant environmental impacts: fuel for business travel, paper purchased and energy.


More than 22,000 customer representatives and employees help us provide responsible credit to our customers. We are committed to attracting and retaining the best people regardless of gender, age, religion, race, sexual orientation or disability. We know that each of our colleagues is vital to making IPF an ethical and sustainable business.