Overview

The loan portfolio of Home Credit Group consists of the following core product types: POS (point of sales) loans; credit cards; revolving loans; cash loans; and car loans. Home Credit Group also offers deposit gathering products, current accounts and debit cards dependent on local market conditions in selected operating countries.

Products are developed in line with local market conditions and therefore the terms and volume vary according to the country of operation.

In line with Home Credit's business development strategy, all operations are launched with an initial focus on POS loans. The product portfolio is then extended where appropriate to an additional credit generation created through cross-selling activities, supported by enhanced direct mail and telemarketing and on-line distribution channels in addition to Home Credit branches.