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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 15,800 employees serve over 4.7 million customers (as of 31 December 2009).

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	3,984	3,551	1,950	36,246	-	806	3,095	650	50,282
Branches	-	-	8	183	21	2	-	-	214
Post	1,557	-	-	1,165	-	198	-	-	2,920
Sales points Total	5,541	3,56551	1,958	37,594	21	1,006	3,095	650	53,416

Data as of 30 June 2010

 

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