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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 customers served

                111,184,528


                TOTAL ASSETS

                22,214
                MEUR

                 

                *as at 30 September 2018

                Operating income

                2,923
                MEUR

                Cost to income ratio

                44.6%

                 

                *as at 30 September 2018

                NPL ratio

                8.9%



                ROAA

                1.3%

                 

                *as at 30 September 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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