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      1. Home

        Our services are simple, easy and fast. Our responsible lending model empowers underserved customers with little or no credit history to access financing, enabling them to borrow easily and safely, both online and offline.

        Total number of loans to date

        Number of loans provided this year

        Number of loans provided today

        Number of customers served

        123.7
                       Million


        TOTAL ASSETS

        25,567
        MEUR

         

        *as at 30 June 2019

        Operating income

        2,012
        MEUR

        Cost to income ratio

        39.6%

         

        *as at 30 June 2019

        NPL ratio

        8.2%



        ROAA

        2.6%

         

        *as at 30 June 2019

        Key Strengths

        • Highly scalable, portable and resilient platform powered by superior technology
        • Scale and leadership across nine high-growth markets
        • Omni-channel presence integrating online and offline
        • Centralized data analytics for superior risk & customer cycle management

        The Home Credit difference

        • Our global platform centrally manages our core strategy, technology, risk, product and funding functions while adapting to local market needs.
        • A successful 22-year track record of expansion while navigating credit cycles and accumulating borrower behaviour data which allows us to refine risks and cross-selling.
        • These insights enable us to enter new countries swiftly and maintain growth and profitability under evolving market conditions.
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