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Group operations

Home Credit Group operates through a holding company Home Credit B.V. (“HCBV”), based in the Netherlands. Home Credit China operations are controlled through a holding company HC Asia N.V. based in the Netherlands. While HCBV and HC Asia N.V. serve primarily as holding entities, Home Credit International a.s., established under Czech law and based in Prague, provides advisory services to country managements in key areas.

Home Credit Group is currently active in the consumer finance markets of the Czech Republic, Slovakia, the Russian Federation, Kazakhstan, Belarus, Ukraine, China and Vietnam. Our 19,500 employees serve over 6.65 million customers (as of 31 December 2008).

Home Credit Group’s distribution network

Home Credit Group has a robust distribution network which comprises four main channels: POS outlets, own branches, post offices and direct channels (direct mail, telemarketing). The unique composition of the network together with a strong presence in our core markets is one of the main competitive advantages for the Group.

	CZ	SK	BY	RU	UA	KZ	CN	VN	Total
POS	3,247	3,568	1,768	29,001	-	776	828	268	39,456
Branches	-	-	8	172	21	2	-	-	203
Post	1,556	-	-	1,193	-	152	-	-	2,901
Sales points Total	4,803	3,568	1,776	30,366		930	828	268	42,560

Data as of 30 June 2009

 

For a more detailed description of our operations, please refer to the Operations Section of the website.