Annual report 2023

Better choice, better experience

IPF is a global financial services operator, helping millions of people who often find it difficult to get credit from banks to be included in the financial system. And in doing so, we are delivering on our clear purpose to build a better world through financial inclusion. We are advancing as a modern, multi-product, multi-channel and digitally-enabled business, offering a unique and expanding choice of affordable financial products and value-added services to our customers. We are committed to accompanying them throughout their financial journey while fostering loyalty through excellent experience and delivering a more secure tomorrow for everyone we serve.

2023 highlights


profit before tax


pre-exceptional earnings per share


dividend per share


net zero target approved


total community investment


colleagues trained in 2023

*at constant exchange rates

Our relentless focus on meeting our customers’ needs combined with strong cost control and good capital management drove a very positive financial and operational performance in 2023.


Read CEO review

Gerard Ryan

Chief Executive Officer

I am delighted to report another year of strong operational and financial performance, reflecting our commitment to our simple but compelling purpose.

Read Chair's statement

Stuart Sinclair 


Once again, we have delivered a strong set of results in 2023, through a disciplined approach to growth and tight cost control. We continue to make good progress towards our financial model targets.

Read CFO's financial review

Gary Thompson

Chief Financial Officer

Download our 2023 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


Our use of cookies

We use necessary cookies to make our site work. We’d also like to set optional analytics cookies to help us improve it. We won’t set optional cookies unless you enable them. Using this tool will set a cookie on your device to remember your preferences.

For more detailed information about the cookies we use, see our Cookie policy

Analytics cookies

We’d like to set Google Analytics cookies to help us to improve our website by collecting and reporting information on how you use it. The cookies collect information in a way that does not directly identify anyone.