Home Credit & Finance Bank [Moody’s Ba3, Fitch BB-] is specializing in retail finance in Russia.

HCFB offers its clients a wide range of credit products and banking services. The Bank’s database comprises over 21 million clients. HCFB’s products are distributed through over 51,000 POS outlets in 8 regions across Russia. The Bank’s regional network comprised 488 branches and approximately 435 ATMs across the Russian Federation as of 30 June 2011.

More information is available at www.homecredit.ru

Home Credit B.V.(“the Group”) is a leading multi-channel consumer finance provider predominantly in Russia (since 2002) as well as in the Czech Republic (since 1997), Slovakia (since 1999), Belarus (since 2007) and Kazakhstan (since 2005, minority stake). In selected countries, the Group has been successfully developing retail banking services. The Group’s database comprises 26 million clients (as of 30 June 2011, incl. Kazakhstan). More information is available at www.homecredit.eu

Home Credit B.V. is wholly-owned by PPF Group N.V. (“PPF”), one of the largest investment and finance groups in Central and Eastern Europe. With approximately EUR 12.4 billion assets under management, PPF’s business investments range from banking and insurance to real estate to energy, metal mining and agriculture to retail. PPF's reach spans from Central and Eastern Europe to Russia and across Asia.

Following the success of the Home Credit business model in Europe, PPF provides consumer finance services in Asia, specifically in China (since 2007) and Vietnam (since 2009), and  explores opportunities to enter other emerging markets in this region.

More information is available at www.ppf.eu.