Home Credit B.V. / About us /

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Group operations

Home Credit subsidiaries in the Czech Republic, Slovakia, Russia and Belarus (the “Group”) operate under the holding company Home Credit B.V. (“HCBV”), based in the Netherlands. HCBV owns a minority stake in Home Credit Bank in Kazakhstan.

Our 21,800 employees serve over 4.5 million customers (as of 31 December 2011)^1/2.

Home Credit Group’s distribution network

The Group has a robust distribution network which comprises four main channels: POS outlets, own branches, post offices, car dealerships and direct channels (direct mail, telemarketing and internet) together over 72,000 distribution points¹. The unique composition of the network together with a strong presence in our core markets is one of the main competitive advantages for the Group.

	POS	Branch	Post Office
Russia	58,756	1,273	1,150
Czech Republic	4,105	-	1,547
Slovak Republic	3,530	-	-
Belarus	1,977	27	-
TOTAL	68,368	1,300	2,697
Kazakhstan	1,432	4	195

Data as of 31 December 2011

Home Credit Group’s IT System

The Group has developed and operates a fully centralized, efficient IT platform located in Brno and Ostrava in the Czech Republic. This facility is currently the largest centralized banking operation in Central and Eastern Europe and represents a key competitive advantage for the Group. Offering scalability and flexibility, the centralized IT platform is uniquely tailored to mass market operations in different emerging markets. It allows for significant cost savings and best practice sharing amongst country teams as well as enabling strong centralized risk management and control processes. A robust IT system can also be successfully transferred across markets to support matured, developing and initial stages of the Group business.

For a more detailed description of our operations, please refer to the Operations Section of the website.

Notes:

1)Management data - excludes Kazakhstan due to minority share position.
Kazakhstan is not consolidated as Home Credit B.V. has a 9.9% interest in JSC Home Credit Bank in Kazakhstan and results may change if consolidated.

2) Including depositors