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Home Credit Group’s Key advantages:

1. Market Leader

Home Credit Group is one of the leading providers of consumer finance in the CEE and CIS markets, where barriers to entry are high. Home Credit has also recently established operations in two of the most exciting emerging markets - Vietnam and China.

2. Strong funding base

Home Credit Group has a strong capital base enhanced by the continuous financial and management support of its parent company, PPF Group. Home Credit Group companies have a solid rating from reputable agencies.

3. Strong track record of profitable growth

Home Credit Group has achieved very attractive growth rates and impressive results over the past few years. As of 31 December 2008, Home Credit Group had 6.65 million clients. Loan portfolio has expanded rapidly over the past 5 years at a rate of 45% CAGR and reached EUR ~2.54 billion at the end of 2008 (data for Home Credit B.V. holding companies only).

4. Trusted and experienced management team

Home Credit Group’s management team has a proven track record in combining its business strategy with local expertise and adjusting its operating model to fit with local requirements. Home Credit effectively combines group knowledge-sharing through intra-group mobility within the top managers.

5. Successful expansion policy underway

Home Credit Group is a pioneer in geographic expansion into new markets and has proven its ability to scale up its running operations. Now, it operates in 8 countries in CEE, CIS and the Asia regions.

6. Central risk management and customer approach

Home Credit benefits from a central risk management structure and customer approach that is well calibrated to the specifics of each local market in which the Group operates.

Home Credit has centralised risk management functions facilitating effective knowledge, and best practice, sharing in order to support the growth of healthy loans in the portfolio.

Effective risk management is applied to all markets through centralised controls and management oversight.

7. Diversified loan portfolio

The loan portfolio has become increasingly diversified as more credit cards and cash loans are added to the core POS loan book. In certain countries, Home Credit offers different kinds of deposit products and current accounts.

8. A unique, well developed origination capability

Home Credit Group uses a number of direct and indirect distribution channels to broaden and diversify accessibility to its end customers. Home Credit has a broad network of retail partners in each country of presence with well established relationships. As of 31 December 2009, Home Credit Group served its products and services through 47,702 sales points.

9. Commitment to investors

Home Credit Group pursues best practice and transparency in all business operations. Home Credit Group acts with responsibility and integrity; complying with applicable laws and regulations; applying internationally accepted standards of responsible business conduct, and respecting the traditions and cultures of the communities and countries in which the Group operates.