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We focus on responsible lending to people with little or no credit history, who may be underserved by traditional banks. Our services are simple, easy and fast.

Total number of loans to date

Number of loans provided this year

Number of loans provided today

Number of active customers

9.1
Million

Total Assets

7,037
MEUR

*as at 31 December 2014

Operating income

1,943
MEUR

Cost to income ratio

44.6%

*as at 31 December 2014

NPL ratio

15.3%



ROAA

-0.7%

*as at 31 December 2014

Our key strengths

  • Market-leading positions
  • Track record of successful new market entry
  • Superior data capture and analysis
  • Unique origination capability

What makes home credit different?

  • We offer safe, affordable loans to less affluent customers, responsibly cross-selling as they develop their financial literacy and their needs evolve. We are supported by a bespoke in-house technology that holds the credit records of 44.4 million customers.