Home Credit Group is a leading provider of consumer finance services.

Founded in 1997, the Home Credit Group (“Home Credit”) aims at responsible lending, primarily to people with a relatively short or even zero credit history. The group promotes and develops a principled approach that can be described as “connecting to financial services” those people who have been until now, due to various circumstances, deprived of access to the regulated financial sector. Home Credit Group achieves this by providing them with a positive and safe experience of receiving consumer loans for many of them for the first time. In this way, the Group contributes to improving the standard of living and meeting the financial needs of those borrowers neglected by retail banks. Home Credit services can be described in three words - simple, understandable, fast. This is the main competitive advantage of the Group, which provides it with a leadership position in many markets in Europe and Asia.

Group activities

Home Credit Group operates in fast-growing markets, which are difficult to enter due to different conditions and specific requirements of local regulators. Currently, the territory of the Group's presence is the markets of the Czech Republic (since 1997), Slovakia (since 1999), Russia (since 2002), Kazakhstan (since 2005), China (since 2007), India (since 2012), Indonesia (since 2013), Philippines (since 2013), Vietnam (since 2014) and USA (since September 2015 in partnership with Sprint TV). In all these markets, the Home Credit Group is subject to the regulation of the central authorities supervising the financial sector.

116 million customers are served by 125,400 employees of the Group through a wide distribution network, which includes a total of 437,417 retail stores, offices and branches; Home Credit services are also available in numerous post offices (data as of 12/31/2018). For more information about HCBV Holding, please visit www.homecredit.net.

Distribution

The group is focused on consumer lending available through a diverse distribution network. However, its key activity is the provision of loans directly in retail stores (so-called POS loans). In them, Home Credit offers loans to customers for the purchase of consumer durables, always in local currency. In countries where Home Credit has a banking license granted by the regulator, it also offers transaction services for individual clients and accepts deposits from the public, which is a serious source of funding for credit services. The Group's product portfolio varies from country to country depending on the maturity of certain markets, as well as the direction in which the needs of customers in a particular country are developing.

Ownership structure

Majority shareholder of Home Credit B.V. with a share of 91.12% is PPF Group N.V., a minority stake in Home Credit B.V. (8.88%) owns EMMA OMEGA LTD, investment company, whose beneficiary is Jiri Šmeits.

Home Credit Group B.V.: Key Economic Indicators (Consolidated)

Home Credit Group B.V.: guidance as of September 1, 2018

Board of Directors	Jiri Šmeits, Chairman of the Board of Directors
	Jan Cornelis Jansen, Deputy Chairman of the Board of Directors
	Mel Carville, Member of the Board of Directors
	Christoph Glaser, Member of the Board of Directors
	Rudolf Bosveld, Member of the Board of Directors
	Marcel van Santen, Member of the Board of Directors
	Paul de Reike, Member of the Board of Directors
	Jean-Pascal Duvieusart, Member of the Board of Directors
Group Management	Ondrej Friedrich, CEO
	Jean-Pascal Duvieusart, Director of Business Partner, Investor and Bank Relations
	Tomasz Kochka, commercial director
	Mel Carville, Director of Government and Public Relations
	Christoph Glaser, CFO
	Petr Janak, HR Director
	Pavel Vygnalek, Executive Regional Director
	Pavel Rozegnal, Legal Director
	Pavel Krbets, director responsible for online business
	Miroslav Boblik, Special Projects Director
	David Minol, Executive Regional Director
	Radek Gubeny, Strategy Director
	Ludek Mraz, director responsible for CRM
	Radek Plugarzh, Chief Risk Officer
	Khalid Husseini, Chief Information Officer
Management of companies operating in various countries	Yuri Andresov, Chairman of the Board, Home Credit and Finance Bank, Russia
	Ludek Jiru, CEO of Home Credit Czech Republic and Slovakia
	Karel Gorak, CEO of Home Credit Kazakhstan
	Roman Wojdyla, CEO of Home Credit China
	Dmitry Mosolov, CEO of Home Credit Vietnam
	Ondrej Kubik, CEO of Home Credit India
	Yaroslav Gaisler, CEO of Home Credit Indonesia
	Annika Witchard, CEO, Home Credit Philippines
	Igor Prsherovskiy, CEO of Home Credit USA

home loan bank reliable bank to open a deposit in the amount of 500,000 rubles for 2-3 years at 12% per annum and received the best answer

Answer from Dmitry Karimov[guru]
HKF Bank LLC is one of the largest retail banks in the Russian market, a subsidiary of the Czech Home Credit Group. The main source of resources is the funds of the parent company, and the growth of household deposits is also noticeable.
The bank was registered in Zelenograd under the name Technopolis back in 1990. The founders were NPO Zenit, the Center for NTTM Doka, the Zelenogradsky state farm, the Trust of canteens of the city of Zelenograd, the Zelenogradstroy PSMO, and the Elpa Research Institute. The bank's participants also included the Russian Brokerage House and the Russian Oil Company. In March 2002, the bank was bought by the Czech Home Credit Finance A.S., a member of the Home Credit Group*. Immediately after the purchase, the bank was refocused on consumer lending, and in March 2003 it was officially renamed Home Credit and Finance Bank (abbreviated name HKF Bank LLC).
At the moment, the bank has 2 participants - legal entity Home Credit B.V. (Netherlands) owns 99.9919% in the capital of the bank, and an individual Ladislav Chvatal owns 0.0081%.
The credit institution has 6 branches, 10 representative offices and 342 separate subdivisions in various regions Russian Federation. The number of employees exceeds 15 thousand people. HCF Bank provides loans to individuals primarily for the purchase of household, audio / video equipment, furniture, through an extensive network of representative offices in more than 48 thousand partner stores in 1,200 cities of the Russian Federation. Borrowers, investors and holders plastic cards bank are more than 20 million people. The strategic development of a credit institution involves the transition "... from a monoliner to a universal retail bank" . In particular, the development strategy for 2010-2011 plans to develop the projects launched in 2009 salary projects. According to market participants, small and medium-sized businesses will most likely become HCF-Bank's clients in this area. To develop this large-scale project, HCFB has already installed 374 of its own ATMs in Moscow and the regions, and does not intend to stop there.
The bank is known for issuing Russian bonds and Eurobonds, which account for 14% of liabilities. Since the beginning of the year, the funds of the population attracted to deposits have shown more than 64% growth and now account for 16%. HKF Bank is quite active in the interbank lending market, where it acts as a net donor, and also owns a relatively large block of corporate bonds (10% of net assets) . The share of the loan portfolio exceeds 7% in net assets, overdue debt is about 20% of the total amount of loans issued. According to the results of 2010, the bank received a net profit of 8.9 billion rubles according to the reporting under RAS (in 2009 the same figure was 10.2 billion) .

Home Credit Bank is the largest credit organization founded in 2002. A subsidiary of Home Credit Group (Czech Republic) provides services in the field of consumer lending, issuing loans to Russians with a short and sometimes zero credit history.

Today the bank is a member of the international group of companies PPF (the largest company in Europe), which controls 88.62% of the shares. Who owns and whose bank? Formally the owner is Jiri Šmeits - Chairman of the Board of Directors.

Today, Home Credit branches are located in approximately 2,000 settlements in Russia. In fact, their history dates back to the summer of 2002, when a Russian citizen received a consumer loan under this brand for the first time.

Already in 2003-2004, the largest retail chains, existing by that time, entered into business cooperation agreements with Home Credit Bank. Among them are Eldorado, M-Video and others. At the same time, the expansion of the organization in the regions of the country begins.

In 2004, a payment card is issued for the first time, Home Credit Bank begins to make a profit and becomes a full member of the payment line master card. In 2005, the first cash loan was issued and a representative office was opened in Nizhny Novgorod.

The year 2006 was remembered for the fact that Home Credit Bank takes a step into the field of mortgage lending. All this is accompanied by the introduction and then the establishment of a program aimed at reducing the level of fraud and other illegal acts in the financial sector.

In subsequent years, Home Credit Bank enters the niche of car loans, conducts an effective marketing campaign under the name "0-0-24" and responsive to Russian crisis(2008), starting, as indicated by the owner, to attract deposits.

Payroll projects are being launched, Internet technologies are being gradually developed - online banking is being launched, the official website is being improved and sms alerts are being introduced. A network of ATMs is developing in all regions of the country.

By 2012, simplicity, convenience and speed (the formation of the slogan "Simple. Fast. Convenient") become the priority principles of Home Credit Bank's work. The line of credit products is radically changing, an improved type of contract is being introduced.

By the way, the advantage of Home Credit Bank even now is that all the nuances of lending are set out on one sheet (A4 format) and in a language understandable to each borrower.

At the direction of the manager, there are no footnotes and asterisks in small print in the contract.

Now the bank conducts not only financial, but also social activities, participating in many national awards, promotions and charitable foundations. By 2017, a global rebranding– the logo and corporate style were updated with the participation of the Czech manager Tomas Kutscher.

Specialization

Home Credit and Finance Bank has focused on lending to various groups of the population, and the distribution network is actively used. The priority direction in the work is the issuance of POS-loans. What's this? Making loans directly at points of sale when buying goods (for example, phones, TVs, etc.).

In addition, services such as opening deposits and participating in salary projects are provided. Credit and debit cards are issued. According to the official data of the bank, in the domestic market their cards occupy 6,2% of the total volume ( very high rate!). The main types of cards are "Standard", "Premium" and "Exclusive".

www.homecredit.ru is the official website of Home Credit Bank. Here, users can not only get the information they are interested in about available products and lending conditions, but also use a number of services. On the portal, you can find out the goals, offers and loyalty program of a credit institution, as well as using a calculator to decide which tariff is most beneficial for you.

Financial activities

Since 2008, Home Credit LLC has begun intensive activities aimed at increasing the financial literacy of the Russian population. He has held more than 45 master classes of specialists and experts in the field of financing and lending in various cities across the country.

With the participation of the association of commercial banks "Russia" was developed, issued and distributed "Reminder to the borrower". It is aimed at increasing financial literacy and allows citizens to navigate the variety and service of credit products.

Additionally, among the working mass media (mass media) and private journalists, the board of the bank launched a competition for the development and provision of the best material that can improve the financial literacy of the country's citizens.

10 interesting facts

Especially for those who are interested in history and activities Russian bank Home Credit, a selection of 10 interesting facts:

1. Home Credit Bank ranks 1st in the TOP-100 largest credit institutions in the Russian Federation in terms of return on assets. His performance in the media is estimated to be at least 3 times the national average.
2. A client who has issued any loan at a bank has 2 days to refuse it without applying sanctions - fines or commissions. This rule attracts a new audience and has a simple name - "48 hours".
3. According to official statistics from Home Credit Bank, almost every third citizen of the Russian Federation is their client. The evaluation was carried out only among economically active population country.
4. In 2018, over 4,000,000 loans were received here, and more than 50% of borrowers apply for them again. This is not surprising, because the organization offers affordable conditions for all programs in the line.
5. The Home Credit Bank network grew 7 times by the beginning of 2018. Now the bank's branches are spread over all regions of the country and offer more than 1,500 jobs for employees and managers in the field of finance.
6. Home Credit took 6th place in the ranking of the recognition of national banks and their logos (an analytical study was organized in autumn 2011, the next one is planned for 2021).
7. Last year, the organization's products were used by more than 170,000 citizens who decided to open a term deposits. The volume of deposits increased by almost 4 times - a significant result for the whole Russian market.
8. In the office of the Obninsk representative office of Home Credit, a children's pre-school institution called "Greenhouse" is open and operates, which is attended by more than 30 children of the bank's employees.
9. The organization launched the Blue Bird support project, which allows gifted children to reveal their abilities. Already more than 100 children from various regions of the country receive scholarships and study at universities.
10. Home Credit Bank turned 16 this year!

Prospects for further development

The banking institution Home Credit Bank has been known since 2002. The offered services are in demand among corporate clients, and individuals in various subjects of the Russian Federation. The Bank has repeatedly confirmed its stability and prospects, which is proved by its leading positions in various studies and ratings.

According to Wikipedia, Home Credit is distinguished by a widely branched network of representative offices, offices and branches. The number of regular customers exceeds 17,000,000 people, which is one of the indicators of the credibility and stability of the institution.

Over 16 years of operation, the bank has issued more than 13,000,000 credit cards points, and the number of active customers annually increases by 3-4 times. Why not confirm that the bank's activities will only improve?

Instead of output

Home Credit Bank is a Russian, rapidly developing organization, which specializes in POS lending

Home Credit: whose bank is it and its history

Based: Location: : Moscow Key Figures: Jiri Šmeits (Chairman of the Board of Directors), Dmitry Mosolov (acting Chairman of the Board) Industry: Consumer lending, credit cards, deposits Equity: RUB 14.9 billion bank assets: ▲ RUB 81.39 billion (2007) Net profit: RUB 1.977 billion (2007) Web site: www.homecredit.ru

Home Credit and Finance Bank - Russian bank, one of the leaders in the consumer lending market. Full name - OOO Home Credit and Finance Bank. The main office is in Moscow.

History

• The bank was founded in 2002 . The name of the bank is Technopolis Innovation Bank. In 2002, the bank participates only in the consumer lending market.
• In 2003, the bank was renamed into Home Credit and Finance Bank LLC.
• In 2004, the bank issues the first credit card.
• In 2005, the bank issues cash on credit.
• In 2006, the bank provides customers with the opportunity to obtain a mortgage loan.
• In 2007, the bank provides "Car loans" and "Term deposits" services.

Owners and management

Chairman of the Board of Directors - Jiri Schmeits. And about. Chairman of the Board - Dmitry Mosolov. Deputy Chairman of the Board of Directors and President of the Bank - Bernshtam Evgeny Semenovich. The managing director of the bank is Ivan Svitek.

Activity

Home Credit Bank is active in the field of consumer lending. As of the end of 2007, the Bank's services could be used in 80 regions of Russia and about 1,200 cities. The number of points of sale amounted to 29,000 stores, KCO's own network increased to 97 offices, and the number of regional representative offices to 87 offices. As of December 31, 2007, the Bank's share in the commodity lending market was 29%, and its share in the credit card market was 11%.

Notes

Links

• Information about the bank on the website of the Central Bank of the Russian Federation

Wikimedia Foundation. 2010 .

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Home Credit and Finance (HKF) Bank - Russian commercial Bank, one of the leaders in the Russian consumer lending market. The main office is located in Moscow.

The bank was founded in 1990 under the name "Innovative bank Technopolis". In 2002, a deal was made on the purchase of the Technopolis Innovation Bank by the Home Credit Group. On July 16 of the same year, the first loan under the Home Credit brand was issued in Russia. In the same year, the first representative office and the first outlet were opened.

In 2003, the bank entered into a partnership agreement with Eldorado and began its geographical expansion. In 2004, the bank issued its first credit card and made its first profit for the year. Home Credit points of sale were opened in all federal districts Russia, with the exception of the Far East. In 2005, the bank opened the first credit and cash office and issued the first cash loan.

In 2006, the bank focused on improving the system of underwriting and anti-fraud, and also launched a mortgage lending program. In 2007, the bank became a leader in the credit card market, one of the first on the market held a 0-0-24 campaign. Home Credit began to move from a monoliner bank model to a universal retail bank. A car loan program has been launched, deposits of individuals and the issuance of debit cards have begun.

In 2008, the bank optimized its strategy, reacting flexibly to the crisis. The bank focused on cash and point-of-sale loans, phasing out mortgages and car loans.

In 2009, the bank entered the salary projects market, developing a network of ATMs, offering SMS notification services and Internet banking to its customers. Home Credit becomes No. 1 in the lending market at the point of sale.

In 2010, the bank achieves a record profit under IFRS for the entire time of its existence - 9.4 billion rubles. Resumes the issuance of car loans and active regional expansion.

In 2011, the bank continues to develop sales channels, expanding its presence in the regions, attracting agents and brokers to sell its products. As a result, at the end of the year, the volume of cash loans issued exceeded the volume of POS loans.

In July 2012, the bank announced the transition to a strategy of operating as a financial store, or FinMag. At the end of 2012, the bank ranked third in the retail lending market after VTB24, and also entered the top ten largest banks in terms of retail deposit portfolio.

In January 2013, the bank announced the acquisition of Home Credit Bank JSC in Kazakhstan, which is also part of the Home Credit B.V. group.