Home Credit Group's subsidiaries operate through the operating company Home Credit B.V., which is 100% owned by PPF Group, (www.ppf.eu), an international financial and investment group.
Home Credit B.V. was incorporated under Dutch law on 28 December 1999 as a private limited liability company. Its main activity is to manage, finance and invest in other companies. Home Credit B.V. is the holding company for Home Credit subsidiaries in CEE, Russia and CIS which operate in the consumer finance markets in the Czech Republic, Slovakia, Russia, Belarus, and through its minority ownership interest in AO Home Credit Bank, the consumer finance business in Kazakhstan.
As at 31 December 2011, simplified

This structure comprises the most important companies of the Home Credit Group from consumer finance area.
Notes:
Home Credit B.V. sold a 100% stake in PJSC "Home Credit Bank" (Ukraine) to Platinum Bank on 31 January 2011. From that moment, PJSC "Home Credit Bank" (Ukraine) is fully controlled by Platinum Bank and and Home Credit B.V. withdrew its Ukrainian banking franchise.