Home Credit & Bank. Home Credit and Finance Bank. Main performance indicators

HOUM CREDIT AND FINANCE BANK LLC is one of the leaders of consumer lending in Russia, which has a developed network of offices, sales points and a solid network of ATMs. In the priority of the bank - retail lending, mortgage, deposits of individuals and legal entities.

LLC "Home Credit & Finance Bank" - Commercial Bank of Russia, one of the leaders of consumer lending. He is a subsidiary of Home Credit Group and unfolds activities towards universal retail business. The head office of the bank is located in Moscow. The Chairman of the Board of Directors is the Jiri Shmeitz. The chair of the Chairman of the Board occupies Ivan Svittek.

History of the Bank

For the first time, information about the bank appeared in 1990, when he was called the "Innovative Bank Technopolis". After 12 years, the bank was acquired by the Home Credit group. At the same time, the first loan was issued under the new Home Credit brand in Russia. In 2002, the first representation of the bank was opened in the country.

A year later, the Bank concluded an agreement on partnership with Eldorado, and already in 2004 released the first credit card. During this period, the sales point of the bank was opened in all districts of Russia, except the Far East. Over the year, and the Bank Home Credit announced the opening of the first Cash office office.

The year was marked by the development of the program of opposition to fraud and the launch of mortgage lending. 2007 brought the bank to the leadership among credit card issuers. The management of the bank decided to move to the model of a universal retail bank. The car loan program, the release of debit cards and the opening of deposit deposits of individuals was launched.

The 2008 crisis prompted the Bank's management to optimize the strategy: focus on consumer lending and cash loans. By 2009, "Bank Houm Credit" managed to enter the market of salary projects. In this regard, a network of ATMs, Internet and SMS banking has developed. This year brought the bank to the leading position of the lending market at sales points.

In 2010, the Bank Houm loan resumed frozen during the crisis of the car loan program. By mid-2012, the Bank's leadership announced the choice of the Bank's strategy as a "FinMag". By the end of the year, Home Credit took a third line in the ranking of banks engaged in lending to individuals, and also entered the top ten of the largest financial institutions in terms of the deposit portfolio.

Positions in the market

As of March 31, 2014, the Bank ranks first in the size of the POS-loans portfolio and the third place in terms of the loan portfolio relative to the borrowers of individuals. The sixth position of the bank on the portfolio of credit cards and urgent contributions of individuals.

Bank today

In the bank home loan, almost 28 thousand people are working. Its client base is 29.7 million people. The Distributor Network of the Bank in Russia and Kazakhstan is represented by 1312 banking offices and 8814 light format offices. On the balance sheet of the bank consist of 1446 ATMs. Retail network has more than 92 thousand sales points.

Today, the Bank has actively activities in the retail banking market. Bank Home Credit offers cash loans, credit cards, as well as deposits in national and foreign currency. Among the most popular bank products:

• Salary projects;
• Individual bank safes;
• Affiliate program;
• Packages of loans and deposits for individuals;
• Mortgage credit lending.

The Bank actively promotes various discount programs for cardholders, develop a system of remote customer service and offer them insurance services. The bank offers various loan programs in cash from two to five years. The client has the opportunity to get a loan in the amount of up to 30,000 rubles for one hour. To get a larger amount you need about five working days.

The strategic development of the Bank implies its universalization without losing its position in the retail lending market. At the end of 2013, the net profit of the bank amounted to 7.83 billion rubles in RAS. In the first quarter of 2014, the Bank's profit was 610.7 million rubles.

Shareholders

Shareholders "Bank Home Credit" today are a majoritarian home Credit B. V. (86.62%) and minority EMMA OMEGA Ltd (13.37%). According to official information, the owners of the bank - Peter Kellner and Jiri Shmeitz.

Financial indicators

The bank's assets today are 342 billion rubles - over the past year they have increased by 11% by contributing individuals. Pure loan portfolio amounted to 267.3 billion rubles. Bank's financial result - 3.3 billion rubles, equal capital equal to 51.7 billion rubles, and the level of overdue debt did not exceed 13.8%.

Bank - customers

The bank offers consumer loans and cash loans on various conditions. Registration of the loan application can be carried out on the website of the bank. Among the credit services "Bank Home Credit" - refinancing. Bank customers have the opportunity to issue credit and debit cards of international payment systems. The credit institution also accepts deposits from the population in rubles and in foreign currency.

The bank offers part in the affiliate program, which makes it possible to earn both the bank and the client. Individual safes are also provided in the list of banking services, as well as salary projects.

Customers "Bank Home Credit" have the ability to remote banking services. They can use insurance services or take part in shares among cardholders. One of the priorities of the institution is lending to legal entities.

The bank takes an active position in the market of interbank lending in national and foreign currency.

The bank was registered in Zelenograd under the name "Technopolis" in 1990. The founders were NPO Zenit, the center of NTTM "Doc", the state farm "Zelenogradsky", the trust of the canteens of Zelenograd, PSMO "Zelenogradstroy", Research Institute "Elp". Among the participants of the Bank also appeared the Russian brokerage house and the Russian oil company. In March 2002, the Bank was acquired by Czech Home Credit Finance A. S., which is part of Home Credit Group *. Immediately after the purchase, the bank was reoriented to consumer lending, and in March 2003, it was officially renamed to the "Home Credit End Finance Bank" (abbreviated - LLC "HKF Bank").

To date, the Russian Bank is part of the PPF International Group of Companies - one of the largest financial companies in Central and Eastern Europe. Currently, 99.9919% of the bank's shares belong to Home Credit B. V., 88.62% of whose shares controls PPF Financial Holdings B. V. (Netherlands), and 11.38% - EMMA OMEGA LTD. The main beneficiaries of these organizations and, accordingly, the Russian bank are the PPF Group owner, one of the richest Czech businessmen Peter Kellner (with a share of 88.62%) and his business partner Jiri Shmeitz (7.36%).

According to the press, Earlier, Schmeyz gave up his 5% in the PPF Holding in exchange for minority packages of shares and participating in the capital of banks owned by the group.

On January 31, 2015, the post of Chairman of the Board of the Bank left Ivan Spetek, Yury Andresov was appointed acting Chairman of the Board. He held this position until March 25, 2015, when the Central Bank of the Russian Federation agreed on his candidacy for the position of Chairman of the Board of the HCF Bank LLC. Before that, Yuri Andresov was the Deputy Chairman of the Board of the Bank, as well as the director of the Home Credit Banking Network.

The bank's head office is located in Moscow, as of January 1, 2019, the Bank's regional network included 225 offices and 27 regional offices. The acting branches on the specified date of the FININAST did not have. In the reporting for 2018, the Bank explained that the branches were transformed into regional offices and settlement centers in order to optimize the structure of the FININAST. The total distribution network of the Home Credit Bank, taking into account the subsidiary of Kazakhstan in Kazakhstan, has about 117 thousand points of sales in partner stores.

In early May 2014, it became known about the closure of about 200 bank offices (8% of the total network). The solution was associated with the overall slowdown in the economic growth and the introduction of regulatory measures aimed at optimizing costs. The number of bank employees was also substantially reduced: in the period from mid-2013 to 2015, the Bank reduced 30% of his personnel. The number of personnel at the beginning of January 2016 was 14,399 people (for January 2015 - 28.9 thousand people; for January 2014 - 32 thousand people). According to the latest available data, the average number of employees in 2017 was 13,389 people.

The priority areas of activity of financial institutions are the provision of loans and a full range of financial services to individuals when buying consumer goods (directly in sales places), providing loans using plastic cards and cash through a network of own offices, as well as through an affiliate network. The Bank develops cooperation and corporate clients, mainly within the framework of consumer lending programs, as well as in the framework of salary projects and deposit products. Among the corporate partners of the Bank's largest federal ("Eldorado", "DNS", "Svyaznoy", "M. Video", "Euroset", "Lazurit") and regional ("Nord", "Search", "Domotechnika") Trading networks , as well as about 11 thousand individual stores throughout Russia. In recent years, special attention is paid to the development of online services, which include the Internet and Mobile Bank, My Credit Mobile App, Infrastructure for the provision of loans using online technology, etc. As of 2018, the number of active customers who Opened a deposit in the bank, they took a loan or are holders of debit / credit cards, amounted to 3.5 million people.

From April 2018 to April 2019, the net assets of the credit organization almost did not change in the amount, reaching 261.5 billion rubles. During this period, in liabilities there was a repayment of the obligations of corporate clients (-46.0%), partially compensated by means attracted in the interbank market (+ 177.6%). In assets, despite their insignificant dynamics for the period, very noticeable structural changes were observed. Bond portfolio (-84.3%), corporate loan portfolio (-38.3%) and highly liquid assets (-48.2%) decreased. At the same time, the bank increased the portfolio of the MBC issued (from the zero mark to 11.4% of the assets) and retail loan portfolio (+ 10.4%).

In the passive part of 67%, the contributions of individuals, 5.8% - funds of enterprises and organizations, the share of attracted MBC is 1.3%, the remaining part of the liabilities is formed by its own capital. Capital adequacy in accordance with the standard H1.0 was 12.8% for the reporting date (with a minimum established value of 8%). Over the past year, the Bank has repaid about 96% of subordinated obligations (in the form of Eurobonds) included in the capital of the Central Bank of the Central Bank. At the reporting date, the volume of the remaining subordinated loans in the capital was 0.5 billion rubles. Turns on customer accounts over the past months amounted to about 69-76 billion rubles and largely were formed by the payment activity of individuals.

The assets dominates the loan portfolio, which accounts for 97% of net assets. The portfolio of 95% is loans provided to private clients, the rest - loan to enterprises and organizations. The share of delay in the portfolio over the past year has not changed, reaching 3.8% on RAS, the level of reservation on the portfolio also remained at the same level - 6.8%. The bank periodically conducts transactions for the sale of overdue loans overwhelming over the year by collector agencies, counterparties for purchase are selected by carrying out a tender.

The securities portfolio takes 2.9% in assets and is fully represented by bonds. At the reporting date, about two thirds of the papers were Russian government bonds, and another one another accounted for Eurobonds. Trading turnover and repo transactions on the portfolio are small and distinguished by volatility.

The share of MBC issued in assets is 11.4%, another 1.9% falls on highly liquid assets (residues at the checkout and on the corsche in the Central Bank). In the MBC market, the Bank shows activity in both directions, lending turns over the past months of the reporting period amounted to 20-140 billion rubles, to attract liquidity - 24-106 billion rubles.

At the end of 2018, the Bank earned a net profit of 9.8 billion rubles, which turned out to be less than the result of 2017 (11.9 billion rubles). In the first quarter of 2019, the FININAST was received by 4.7 billion rubles net profit.

Board of Directors: Jiri Schmeitz (Chairman), Irina Kolikova, Galina Weisband, Julius Thai.

Governing body: Yuri Andresov (Chairman), Sergey Shcherbakov, Martin Shaffer, Artem Aleshkin, Alexander Antonenko, Olga Egorova.

* Home Credit Group specializes in the development of consumer lending in Europe and is one of the leaders of this banking services market segment. Home Credit Group is included in the international investment group of companies in RRF, which is engaged in investment, banking and insurance business. The main owner (98.93% of the voting shares) is one of the richest Czech businessmen Peter Kellner (with a capital of 16 billion US dollars occupies the 73rd place in the world list of billionaires (2019) according to Forbes).

PPF Presence Territory covers countries such as Czech Republic, Russia, Slovakia, Poland, Hungary, Slovenia, Bulgaria, Croatia, Serbia, Monnogoria, Netherlands, Germany, United Kingdom, Finland, Kazakhstan, China, Vietnam, Philippines, India, Indonesia, Romania , USA. PPF Group Assets are concentrated in industries such as banks and finance (Home Credit, PPF Banka and Air Bank), telecommunications (Cetin, O2,Ppf. Arena. 1 B.. V..), Biotechnology (Sotio and a number of others), Real Estate and Development (PPF Real Estate Holding), Insurance ("PPF Life Insurance", Russia), Agriculture ("PAB AGRO", Russia), as well as a number of other projects in Presence countries. The total amount of assets in the management of the PPF group reaches 38 billion euros (according to the group as of June 30, 2018). The number of employees in the companies of the Group by December 30, 2017 was 170 thousand people.

Home Credit is a Russian commercial bank, which is among the leaders of the domestic consumer lending market. Also Home Credit Bank firmly occupies its place in the top 5 Russian banks on loans, urgent contributions of the population and the size of the branch network.

History of the Bank

History Home Credit Bank begins with the foundation in 1990 of the Innovative Bank Tehnolopolis, which in 2002 was acquired by the Home Credit group. In the same year, the first representation of the bank in Nizhny Novgorod was separated, the first shopping point and issued the first loan under the Home Credit brand in our country.

In 2003, Home Credit Bank issued the first commodity loan, and also created the first federal trade network in partnership with Technosila and began to cooperate with Eldorado. In the same year, HOME CREDIT in Russia began geographic expansion. 2004 became very important in the history of the Bank's development - Home Credit released the first credit card, joined MasterCard, concluded a contract with "Russian Post", placed points of sale in all federal districts (except the Far East), received the first profit, became among the leaders On the Russian market of POS credits and received the first ratings from Moody's and S & P.

In the following years, Home Credit Bank continued its active development. Thus, in 2005, the first loan was issued in cash and the first transaction was concluded in the country for securitization of ruble loans. The year 2006 for Home Credit is marked with a mortgage market and the introduction of a system of countering fraud. Next year, the Bank issued his first car loan and went to the leaders in the credit card market.

In 2008, Home Credit Bank stopped engaged in mortgage and car loans, and the occurring crisis used as an opportunity for further development, and this year the bank began to attract deposits. Next year, Home Credit actively moved to retail lending, began to engage in salary projects, develop a network of ATMs and launched an Internet bank and SMS bank. In 2010, activities were resumed in the direction of car loans, and in 2012 - a new simple product line has been developed.

Home Credit Bank

To date, Home Credit Bank offers the following services: loans (cash loans, credit in the Internet bank, car loan); cards (credit and debit); deposits (in rubles and foreign currency); salary project; individual bank safes; insurance; remote banking services; Calcular cash services; depositary operations; Operations in open markets; Lending to legal entities.

Awards, branch network, sales points HomeCredit

High quality, reliability and stability of the Home Credit Bank is confirmed by various awards, among which the Silver Award of the Brand Year of the Year / Effie-2012 Award. Bank customers are already more than 27 million people who are serviced in the Distributor Network Home Credit Bank from 960 banking offices, 6920 micro offices, 1276 ATMs and more than 73 thousand sales points.

• Department address: Golomna (Moscow region), Vokzalny, 7 travel map
• Phones department:
• Mode of operation:

Koreleva, 1A.

• Department address: Domodedovo (Moscow Region), Korneeva, 1A Map
• Phones department: 88007008006 [24-hour unified reference], +74957858222 [Paid hot line - Mon-all around the clock], +74996432985
• Mode of operation: Mon-Sat: 09:00 - 20:00, Sun: 10:00 - 20:00

Lenin, 16.

• Department address: United States (Moscow Region), Lenina, 16 Map
• Phones department: 88007008006 [24-hour unified reference], +74957858222 [Paid hot line - Mon-all around the clock], +74995570455

• Department address: Goryevsk (Moscow region), Sovetskaya, 107 Map
• Phones department:
• Mode of operation:

On June 9, 2019, it became known about the leakage of 900 thousand customers of Russian banks. Open access was passport details, telephone numbers, places of residence and work of citizens of the Russian Federation.

2018: The first loan issuance in Russia with remote identification

In mid-July 2018, the Bank "Home Credit" announced the issuance of the first loan in Russia using remote identification. The Russians were able to remotely enjoy banking products and services after launching a single biometric system.

At the first stage, the "Home Credit" issues online loans for the purchase of goods, using fully remote customer identification. In the future, the bank is going to make up most of its other products in the same way.

It is noted that the online identification of the first client took less than a minute. After that, he was able to remotely sign a POS-loan agreement and acquire a vacuum cleaner in the online store partner of the Home Credit Bank - the Russian representative office of Samsung.

In order not to undergo full-time identification in banks, customers need once to provide their biometric data (voice and image of persons), which will be stored in a single system. Rostelecom provides collection, processing and storage of biometric data, as well as checking their compliance with primary biometric samples. The test results are transmitted to banks to remote identification of citizens when opening accounts.

After registering in a single biometric system, a citizen will be able to remotely receive services of any bank operating with the system. The client is enough to enter a login / password from ESIA and pronounce a short-controlled phrase generated by the system, looking at the smartphone or computer chamber.

By July 17, 2018, the Home Credit takes the biometric information of customers in its offices in Moscow, St. Petersburg, Nizhny Novgorod, Yekaterinburg and Kazan. In a short time, it is planned to increase the number of such departments 80, and until the end of 2019, it will be possible to hand over biometrics in all branches of the bank, it is said in its message.

2017

The volume of issuing loans through POS-online exceeded 1 billion rubles

The volume of issuing loans for goods through the POS-online technology in the bank home loan exceeded 1 billion rubles, which amounted to 3.5% of the total issuance of POS loans by the Bank. About 80% of online loans issued without the initial contribution and overpayment, the home loan was reported on October 19, 2017.

Most often, household appliances and mobile devices (smartphones and tablets) were taken on credit, in third place - audio and video equipment. The most popular household appliances are washing machines, refrigerators, microwave ovens and stoves. And from video and audio equipment most of the loans took on TVs.

POS-online is a fund-developed home loan technology for a simplified application over the Internet. The first POS-online loans were issued in the online store Eldorado in the summer of 2016. As of October 2017, among the main partners of the Bank in this project - Eldorado, M.Video, DNS and other major online stores.

When issuing a loan application via POS-online in most cases, the client needs to fill out only 5 fields. For a full-fledged assessment of a short application, the Bank takes 40 seconds. Basic clients can sign an SMS contract and receive a loan completely remotely.