Overview

Home Credit Group, a leading provider of consumer finance, was established in 1997 in the Czech Republic. Since then it has experienced considerable growth within Central and Eastern Europe, Russia, the countries of the Commonwealth of Independent States and Asia. Our 19,500 employees serve over 5.6 million customers across our markets (as of 31 December 2008). We provide loans primarily to customers seeking purchases of durable goods. We offer loans to first-time borrowers, as well as revolving credit lines and credit cards to existing customers who have already repaid loans to us. As our business expands we are also selectively adding retail deposit services for our customers.