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                      We focus on responsible lending to people with little or no credit history, who may be underserved by traditional banks. Our services are simple, easy and fast.

                      Total number of loans to date

                      Number of loans provided this year

                      Number of loans provided today

                      Number of active customers

                      28.9
                      Million

                      Total Assets

                      22,042
                      MEUR

                       

                      *as at 31 March 2018

                      Operating income

                      952
                      MEUR

                      Cost to income ratio

                      45.7%

                       

                      *as at 31 March 2018

                      NPL ratio

                      8.2%



                      ROAA

                      (-0.6%)

                       

                      *as at 31 March 2018

                      Our key strengths

                      • Market-leading positions
                      • Track record of successful new market entry
                      • Superior data capture and analysis
                      • Unique origination capability

                      What makes home credit different?

                      • We offer safe, affordable loans to less affluent customers, responsibly cross-selling as they develop their financial literacy and their needs evolve. We are supported by a bespoke in-house technology that holds the credit records of 70 million customers.
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