Overview

Home Credit Group (Home Credit B.V. and its subsidiaries) is a leading mass market consumer finance provider with  €4.3bn of assets¹ (as of 31 December 2011); which was established in 1997 in the Czech Republic. Since then it has experienced considerable growth within Central and Eastern Europe, Russia, and the countries of the Commonwealth of Independent States achieving 28% ROAE^1/2 and 7% ROAA^1/2 (FY 2011). Our 15,200 employees* serve more than 4.5 million customers^1/3 (as of 31 December 2011).

We focus on lending to consumers seeking purchases of durable goods. We offer loans to first-time borrowers, as well as revolving credit lines and credit cards to existing customers, maximising the strong cross-selling opportunities that exist across the business.  We are also successfully expanding our retail deposit services for customers on a selective basis.

Home Credit Group has developed into a highly efficient business that captures lending relationships through its extensive multichannel distribution network. This network consists of point-of-sales (“POS”) outlets, own branches, post offices and direct channels and positions the Group to effective origination of new customers at POS outlets and powerfully cross-sell cash loans and credit cards through other channels as relationships with its customers develop.

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) Normalized returns adjusted for the exclusion of discontinued operations (Ukraine): ROAE: 28%, ROAA: 7% (Net profit adjusted; Assets and Equity not adjusted).

3) Including depositors