Home Credit Bank

Home Credit & Finance Bank, Moody’s Ba3, Fitch BB-, specialises in retail finance in Russia with a leading position in POS market. The bank also maintains strong top 10 position in the cash loan and credit card segments. HCFB offers its clients a wide range of credit products and banking services. The Bank’s database comprises over 21 million clients (1/3 of households of Russia). HCFB’s well-developed banking infrastructure comprises 822 banking offices, over 54,000 points-of-sale and 549 ATMs in 7 federal districts of Russia. HCFB continues to deliver strong results with ROAA of 10.1% and ROAE 40.3% as at 30 September 2011. The bank’s lending operations are supported by activity on both domestic and international capital markets. HCFB is focusing on diversifying of its funding base and developing mutually beneficial relationships with counterparties.

 
 
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