Annual report 2022

Financial inclusion today, for tomorrow

IPF is a global financial services provider striving to deliver on our purpose to build a better world through financial inclusion. We play a vital role in the lives of millions of customers, who are often unable to access credit from banks and traditional lenders, by providing access to unsecured, affordable credit and great-value insurance products, in a responsible way.

2022 financial highlights




customer lending 


customer receivables


profit before tax


earnings per share


dividend per share

*at constant exchange rates

We made excellent progress against our strategy in 2022, which contributed to a very good financial performance delivered by all our divisions.


Read CEO review

Gerard Ryan

Chief Executive Officer

I am pleased to report another year of very good operational and financial performance. We have compelling products, skilled and committed teams, and strong local knowledge which combine to make IPF a strong business.

Read Chair's statement

Stuart Sinclair 


The Group continued to deliver a strong return to growth in 2022, driven by an excellent operational performance whilst maintaining careful management of credit settings.

Read CFO's financial review

Gary Thompson

Chief Financial Officer

Download our 2022 Annual Report and Financial Statements

Our strategy and financial model

Our stories

Our social value

You may also be interested in

A strong investment proposition

A people business