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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

£83.9m

profit before tax
+8.4%

23.2p

pre-exceptional earnings per share
+11.5%

10.3p

dividend per share
+12.0%

2050

net zero target approved

£893,000

total community investment

22,960

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 

Chair


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

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A strong investment proposition

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