Home Credit Group is a leading multi-channel provider of consumer finance.
Founded in 1997, Home Credit Group focuses on responsible lending primarily to people with little or no credit history. The Group drives and broadens financial inclusion for those without access to banking services by providing a positive and safe borrowing experience – the first for many of its customers. In doing so, the Group promotes higher living standards and meets borrowers’ financial needs. Its services are simple, easy and fast. These features position the Group ahead of its competitors and makes it a leading provider of consumer finance.
The Group operates in highly attractive markets with significant barriers to entry, where its experience and knowledge sustainably puts it ahead of its competitors. The Group is currently active in the Czech Republic (since 1997), the Slovak Republic (since 1999), the Russian Federation (since 2002), Kazakhstan (since 2005), China (since 2007), India (since 2012), Indonesia (since 2013), the Philippines (since 2013), Vietnam (since 2014) and USA (since September 2015 in partnership with Sprint). In each country Home Credit is subject to oversight by the relevant financial services regulators.
The Group’s 125.4 thousand employees have so far served 116 million customers through its vast distribution network comprising 437,417 points of sale, loan offices, branches and post offices (figures as at 31 December 2018). More information on HCBV is available at www.homecredit.net.
The Group specialises in multi-channel consumer finance lending, offering a variety of products. The backbone of its operations, however, is “in-store lending”. At the “points of sale” (or “POS”), spread across local retailers’ shops, the Group offers loans for purchases of durable goods and other types of consumer financing provided in local currencies. In countries where Home Credit Group holds banking licences, it also offers transactional banking for individuals and takes deposits, which are an important source for local funding. The Group’s product portfolio differs by country, as market dynamics and customer needs vary from market to market.
The majority shareholder (91.12% stake) of Home Credit B.V. is PPF Group N.V. A minority stake (8.88%) of Home Credit B.V. is held by EMMA OMEGA LTD, an investment holding company ultimately owned by Mr. Jiří Šmejc.
Home Credit Group B.V.: Key Business Highlights (consolidated)
|PPF Group holding||91.12%||88.62%|
|Operating revenue (EUR millions)||3,953||3,123|
|Profit after tax (EUR millions)||422||244|
|Total assets (EUR millions)||23,647||21,533|
|Total equity (EUR millions)||2,154||2,035|
|Year-end number of employees||125,400||157 000|
Home Credit Group B.V.: Management as of September 1, 2018
|Board of Directors||Jiri Smejc, Executive Chairman|
|Jan Cornelis Jansen, Vice-Chairman|
|Mel Carvill, Member|
|Christoph Glaser, Member|
|Rudolf Bosveld, Member|
|Marcel van Santen, Member|
|Paul de Reijke, Member|
|Jean-Pascal Duvieusart, Member|
|Group Management||Ondřej Frydrych, Group Chief Executive Officer|
|Jean-Pascal Duvieusart, Group Chief Business Development Officer and Head of Capital Markets|
|Tomáš Kočka, Chief Commercial Officer|
|Mel Carvill, Group Chief Officer, Government and Public Relations|
|Christoph Glaser, Group Chief Financial Officer|
|Petr Janák, Chief HR Officer|
|Pavel Vyhnálek, Regional Executive Director|
|Pavel Rozehnal, Chief Legal Officer|
|Pavel Krbec, Group Head of Online|
|Miroslav Boublík, Head of Special Projects|
|David Minol, Regional Executive Director|
|Radek Hubený, Group Head of Strategy|
|Luděk Mráz, Group Head of CRM|
|Radek Pluhař, Group Chief Risk Officer|
|Khalid Husseini, Chief Information Officer|
|Country Management||Yurij Andresov, Chairman of the Board of Directors, Home Credit and Finance Bank Russia|
|Luděk Jírů, Chief Executive Officer, Home Credit Czech Rep. and Slovakia|
|Karel Horák, Chief Executive Officer, Home Credit Kazakhstan|
|Roman Wojdyla, Chief Executive Officer, Home Credit China|
|Dmitry Mosolov, Chief Executive Officer, Home Credit Vietnam|
|Ondřej Kubík, Chief Executive Officer, Home Credit India|
|Jaroslav Gaisler, Chief Executive Officer, Home Credit Indonesia|
|Annica Witschard, Chief Executive Officer, Home Credit Philippines|
|Igor Přerovský, Chief Executive Officer, Home Credit US|
Home Credit B.V.
1077 XX Amsterdam
Phone: +31 (0) 208 813 120
Fax: +31 (0) 208 813 129
Home Credit International, a.s.
160 41 Prague 6
The Czech Repuplic
Phone: +420 224 174 777
Fax: +420 224 174 612