Founders of the bank home loan where are located. Home Credit: Whose Bank is and His story

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.

Russia Moscow

Irzhi Schmeitz (Chairman of the Board of Directors), Ivan Svittec (Chairman of the Board)

▲ 10,754 billion rubles. (2011)

Home Credit B.V.

Home Credit and Finance Bank - Russian commercial bank, one of the leaders of the Russian consumer lending market. The main office is in Moscow.

History

The Bank was founded in 1990 called "Innovative Bank Technopolis". In 2002, a deal took place on the purchase of the Home Credit group "Innovative Bank Technopolis". On July 16 of the same year, the first loan was issued under the Home Credit brand in Russia. In the same year the first representation and the first trading point were opened.

In 2003, the Bank concluded an agreement on partnership with Eldorado and began geographic expansion. In 2004, the Bank issued the first credit card and received the first profit on the results of the year. The sales points home loan were opened in all federal districts of Russia, with the exception of the Far East. In 2005, the Bank opened the first Cash office and issued a first cash loan.

In 2006, the Bank focused on improving the underwriting system and counter fraud, and also launched a mortgage lending program. In 2007, the Bank entered the leaders in the credit card market, one of the first on the market spent 0-0-24. Home loan began to move from the bank-monolainer model to a universal retail bank. The car loan program has been launched, it began to attract the deposits of individuals and the release of debit cards.

In 2008, the Bank optimized its strategy, responding flexibly to the crisis. The bank focused on cash loans and loans at sales points, turning the mortgage and car loans. In 2009, the Bank entered the market of salary projects, develops a network of ATMs, offers customers SMS-notifications and Internet banking services. Home loan becomes No. 1 in the lending market at sales points.

In 2010, the Bank achieves record profits under IFRS for the entire time of existence - 9.4 billion rubles. Resumes the issuance of car loans and active regional expansion. In 2011, the Bank continues to develop sales channels, expanding its presence in the regions, attracting their products of agents and brokers to sell its products. As a result, at the end of the year, the volumes of issued loans in cash exceeded the volumes of POS credits.

Owners and guidance

Chairman of the Board of Directors - Jiri Smeyz. Chairman of the Board - Ivan Spetek.

Activity

Bank Home loan actively works in the retail banking market. According to the results of 2011, the HCFB in Russia had 1273 offices of various formats, and 58 thousand sales points.

According to the reporting of the CCF-Bank on International Financial Accounting Standards (IFRS), in 2011 its net profit amounted to 10.75 billion rubles, an increase of 14.3% compared with 2010. The loan portfolio in 2011 amounted to 112.8 billion rubles. .

According to Frank Research Group, on July 1, 2011, the Bank occupied 27.6% of the lending market at sales points (1st place). According to Tinkoff Credit Systems Bank, the home loan accounts for 3.8% of the credit card market (7th place).

At the end of 2011, the Bank became the leader among private retail banks in terms of the absolute increase in the loan portfolio. As of December 31, 2011, the share of overdue loans at the HCFB accounted for 5.8%.

The Bank quickly increases the share of deposits in the structure of the raised funds. According to the results of 2011, the increase in the volume of retail deposits in the CHF-Bank amounted to 260%.

According to the research data, Romir Holding, Bank Home Credit ranks 6th by visibility among Russian banks.

Main performance indicators

Social politics

Kindergarten "Orangery"

In the office complex of the Obninsky representative office of the bank, the Orangery kindergarten works for children of employees. This is one of the first in Russia of kindergartens located in the office where parents work. The upbringing of children of different ages is carried out according to the Montessori system, which is based on an individual approach to each child, depending on its capabilities and motivation.

Increase financial literacy

Bank Home loan is actively working on improving the financial literacy of the population. By implementing this program since 2008, the Bank holds master classes of experts in regional cities, together with the Association of Regional Banks "Russia" issued a "binders' memo", and also held a competition among journalists for the best material that promotes the financial literacy of Russians.

"48 hours"

In the spring of 2011, Bank Home loan was first on the market introduced the service "48 hours", which allows borrowers for two days to change their mind and abandon the loan, paying interest only for the actual time of its use.

Charity

Since 2009, Bank Home Credit has implements the Blue Bird Charitable Project. According to the Bank, the purpose of this project is to help talented and promising graduates of schools in difficult social and economic circumstances, make the right choice - to enter the university and get a higher education. Demonstrating good and excellent successes in study, the participants of the program receive a scholarship throughout the entire period of study. In addition to the payment of scholarships, as promoting success in study, the Bank gives gifts, and also organizes various trainings and events.

Since September 2011, the program has already been acting in 8 regions of Russia, including: Kaluga, Sverdlovskaya, Volgograd, Murmansk, Leningrad Region, Altai Territory, Republic of Karelia and Bashkortostan.

Trade union

On December 9, 2009, the Bank created a primary trade union organization (PPO) of the All-Russian Professional Union of Office and Management Personnel, Creative and Intellectual Labor Workers "Together". After the notification of Ivan Svitek about creating a trade union, the Chairman of the PPO and members of the trade union of the trade union was awarded the reduction notifications.

In response to the request of the "Vedomosti" regarding the established trade union, the press service of the bank sent the following message to the editor:

"The Bank actively supports an open communication atmosphere with all its employees by constant direct communication within the company. This atmosphere not only motivates and orients our employees to the result, but also provides comfortable working conditions, develops its corporate culture. Communication process with employees is constant, is key in the bank's policy and does not depend on the availability or absence of professional unions. "

According to the Chairman of the Bank's PPO, the reaction of the Bank's leadership for the creation of a professional union was aggressive:

"Because the Bank has Czech roots, I assumed that the attitude towards a profusion should be more European, democratic. But the reaction was aggressive. I was pressed for a few hours in the security service as in questioning to the Gestapo. Caused people with whom I communicated. Directly said: no trade union in the bank will be - find a reason to dismiss all the members of the trade union. "

Criticism

Rospotrebnadzor also presented claims to the Bank on the inclusion of the condition for the contract of negotiability at the location of the bank in Moscow. Following the emerging judicial practice, in 2010 the terms of the contractual jurisdiction were also changed by the Bank.

In May 2007, the deputy from the Fair Russia faction Oleg Shein filed a deputy request to the General Prosecutor's Office and the FSB with a request to investigate the Bank's activities for fraudulent action. In his deputy request, Shein expressed concern that the victims of dubious, from his point of view, credit schemes could be the most low-income citizens who constitute the main target audience of the bank a home loan. Based on this request, a prosecutor's check was carried out, as well as testing the antimonopoly service and the Bank of Russia. According to the results of inspections of violations, there were no violations in the Bank's activities.

Positions of the Bank in ratings

No. 1 in terms of the profitability of assets - RIA "Analysis".

RA "Expert":

№ 3 in terms of cash loans issued and POS lending;

№ 3 Among the top 20 banks in terms of loans portfolio and POS-lending;

№ 5 in the thirty of the most retailers;

№ 20 In the thirty of the largest banks in the size of attracted deposits of individuals.

Magazine Kommersant - Money:

№ 32 Among the largest banks of Russia in the amount of net assets.

Notes

1. Help Banki.ru.
2. Net profit home loan bank for 2011 increased by 14.3%
3. Net profit of Home Credit & Finance Bank amounted to 407 million rubles against a loss of 243 million rubles at the end of 2003
4. Lightweight Mortgage from Home Credit
5. Rising credit card market slowed down
6. CFF-bank started car loans
7. Bank "Home Credit" began to take urgent deposits
8. Bank "Home Credit" entered the market of salary projects
9. "Home Credit" launched an Internet bank
10. In the market of express lending to Russia, the leader has changed
11. Net profit home loan bank for 2010 amounted to 9.4 billion rubles
12. Bank Home Credit plans a major increase in the regional network to 2500 branches
13. Vasily Kudinov. "In Russia, we can have 60 million clients," Andrei Lykov, Chairman of the Board "Home Credit and Finance Bank" // Vedomosti, No. 205 (1979), October 30, 2007
14. PCF Bank in 2011 increased profits under IFRS by 14.3%, loan portfolio - 1.5 times
15. CHF-Bank cassed lending
16. Markets and ratings
17. TKS Bank: The Russian credit card market has grown in 2011 by 61.6% to 367.8 billion rubles
18. Consumer lending market leaders among private banks
19. Inflation: historical minima do not cancel risks
20. Civilian financing

Houm Credit Group is a leading company providing consumer financing services.

Founded in 1997, the Hawm Credit Group ("Home Credit") aimed at responsible lending, first of all, people with a relatively short or even zero credit history. The group promotes and develops a fundamental approach that can be described as "connection to financial services" of those people who have so far due to different circumstances are deprived of access to the regulated financial sector. The Home Credit of this reaches this by familiarizing them with positive and safe experience in obtaining consumer loans, for many of them for the first time. Thus, the Group contributes to raising the standard of living and to meet the financial needs of those borrowers who neglect retail banks. Services "Home Credit" can be described in three words - simply, it is clear, quickly. This is the main competitive advantage of the group, which provides it with the position of the leader in many European and Asian markets.

Group activities

The Home Credit Group leads its activities in fast-growing markets, entry for which due to various conditions and specific requirements of local regulators is difficult. Currently, the territory of the Group's presence is the Czech markets (since 1997), Slovakia (since 1999), Russia (since 2002), Kazakhstan (since 2005), China (since 2007), India (from 2012), Indonesia (since 2013), Philippines (since 2013), Vietnam (since 2014) and the United States (from September 2015 in partnership with Sprint TV company). In all these markets, the Home Credit Group obeys the regulation of the central authorities supervising the financial sector.

Services 116 million customers have 125,400 employees of the Group through a wide distribution network, which includes a total of 437,417 retail stores, offices and offices; Houm loan services are also available in numerous compartments of communication-post offices (data K 31. 12. 2018). For more information on HCBV Holding, you can learn from www.homecredit.net.

Distribution

The group is focused on the Credit loans available through a varied distribution network. However, the key direction of its activity is to provide loans directly in retail stores (so-called POS credits). In them, "Home Credit" offers customers loans for buying consumer goods for long-term use, always in local currency. In countries where "Home Credit" has a banking license provided by the regulator, it also offers transactional services for individual clients and accepts contribution of the population, which serves as a serious source of credit services funding. The product line of the group in different countries varies depending on the maturity of certain markets, as well as on how clients are developing in a particular country.

Structure of ownership

Majoritarian shareholder HOME CREDIT B.V. The share of 91.12% is PPF Group N.V., Minoritarian share in Home Credit B.V. (8.88%) owns EMMA Omega Ltd, an investment company, the beneficiary of which is Jiri Shmeitz.

Home Credit Group B.v.: Main Economic Indicators (Consolidated)

Home Credit Group B.v.: Guide on September 1, 2018

Bank Home Credit Bank is the largest credit institution established in 2002. The "daughter" of the company HOME CREDIT GROUP (Czech Republic) provides services in the sphere of consumer lending, issuing loans to Russians with a short, and sometimes zero credit history.

Today, the Bank consists in the International Group of Companies of PPF (the largest company in Europe), carrying out control over 88.62% of the shares. Who owns and whose bank? Formally, the owner stands Irzhi Shmeitz - Chairman of the Board of Directors.

Today, the home loan branches are located about 2,000 settlements of Russia. In fact, their history originates from the summer of 2002, when a consumer loan was obtained by the Russians for the first time under this brand.

Already in 2003-2004, the largest trading networks, the existence by then concluded business agreements on cooperation with the bank home loan. Among them - Eldorado, M-video other. At the same time, the extension of the organization in the regions of the country begins.

In 2004, a payment card is coming out for the first time, Home Credit Bank begins to make a profit and becomes a full member of the payment line. Mastercard. In 2005, the first cash loan is issued and a representative office in Nizhny Novgorod opens.

2006 I remember that the bank home loan takes a step into the scope of mortgage lending. All this is accompanied by the introduction, and then establishing a program aimed at reducing fraud and other illegal acts in the financial sector.

In subsequent years, the Bank of Houm loan goes to the niche of car loans, conducts an effective marketing campaign under the name "0-0-24" And he reacts to the Russian crisis (2008), starting, as the owner indicated, attract deposits.

Salary projects are launched, Internet technologies are gradually being developed - online banking is running, the official website will be enhanced and SMS alerts are entered. ATM network develops in all regions of the country.

By 2012, the priority principles of the Home Credit Bank becomes simplicity, convenience and speed (the formation of the slogan "simple. Quickly. Convenient"). The line of credit products changes radically, an improved type of contract is introduced.

By the way, the advantage of the bank home loan is now the fact that all lending nuances are posted on one sheet (A4 format) and understandable for each borrower.

At the direction of the head, there are no footnotes and stars in the contract with small font.

Now the Bank is not only financial, but also social activities, participating in many national awards, promotions and charitable foundations. By 2017, global rebranding - Updated the logo and corporate style with the participation of the Czech manager Tomasa Kucher.

Specialization

Home Credit & Finance Bank focused on lending to various population groups, distribution network is actively applied. The priority direction in the work is the issuance of POS credits. What is it? Registration of loans directly at points of sale when buying goods (for example, telephones, TVs, etc.).

Additionally, such services are provided as the opening of deposit deposits and participation in salary projects. Credit and debit cards are issued. According to official data of the bank, their cards occupy in the domestic market 6,2% from total ( very high indicator!). Main types of cards - "Standard", "Premium" and "Exclusive".

www.homecredit.ru - Home Credit Bank official website. Here, users can not only get their information about available products and lending conditions, but also take advantage of a number of services. On the portal, you can find out the goals, suggestions and loyalty program of the credit organization, as well as using the calculator to decide which tariff you are most profitable.

Financial activities

LLC Home Credit since 2008 begins intensive activities aimed at the growth of financial literacy of the Russian population. They conducted more than 45 master classes of specialists and experts in the field of financing and lending in various cities across the country.

With the participation of the Association of Commercial Banks "Russia" was developed, issued and distributed "Memo to the borrower". It is aimed at the growth of financial literacy and allows citizens to navigate in the variety and maintenance of credit products.

Additionally, among working media (media) and private journalists, the Board of the Bank launched a competition for the development and provision of better material capable of increasing the financial literacy of citizens of the country.

10 interesting facts

Especially for those who are interested in the history and activities of the Russian Bank of the Home Credit, a selection of 10 interesting facts:

1. Bank Home Credit ranks 1 position in the top 100 of the largest credit institutions of the Russian Federation on the cost-effectiveness of assets. Its productivity in the media is estimated at least 3 times higher than the average parameter in the country.
2. The client who has aroused anybody in the bank is 2 days to abandon it without the use of sanctions - fines or commissions. This rule attracts a new audience and bears a simple name - "48 hours".
3. According to official statistics of Home Credit Bank, almost every third citizen of the Russian Federation is their client. The assessment was carried out only among the economically active population of the country.
4. In 2018, more than 4,000,000 loans were obtained here, and more than 50% of borrowers appeal for them again. This is not surprising, because the organization offers available conditions for all programs in the line.
5. At the beginning of 2018, at the beginning of 2018, 7 times adults of the Home Credit Bank. Now the bank branches are common in all regions of the country and offer more than 1,500 jobs for employees and managers in the field of finance.
6. Home loan took the 6th place in the rating of recognition of national banks and their logos (analytical research was organized in the fall in 2011, the following is scheduled for 2021).
7. Last year, more than 170,000 citizens took advantage of the organization, which decided to open urgent deposits here. The volume of deposits increased almost 4 times - a significant result for the entire Russian market.
8. In the office of the Obninsky representative office, a home loan is open and a children's pre-school institution called "Orangery", which is visited by more than 30 children of bank employees.
9. The organization launched a Blue Bird Support Project, allowing gifted children to reveal their abilities. Already more than 100 guys from various subjects of the country receive scholarships and are trained in universities.
10. This year, the bank of the home loan was 16 years old!

Prospects for further development

Home Credit Bank's banking institution is known since 2002. The proposed services are in demand, both among corporate clients and individuals in various constituent entities of the Russian Federation. The bank has repeatedly confirmed its sustainability and prospects, which is proved by leading positions in various studies and ratings.

According to Wikipedia, the home loan is distinguished by a widely extensive network of representative offices, offices and offices. The number of regular customers exceeds 17,000,000 peopleWhat is one of the indicators of the authority and stability of the institution.

For 16 years of work, the Bank produced more than 13,000,000 credit cards, and the number of active customers annually increases 3-4 times. What is not confirming that the bank's activities will only improve?

Instead of output

Bank Home Credit - Russian, rapidly developing organization whose specialization is POS lending

Home Credit: Whose Bank is and His story