HKFB credit. Home Credit and Finance Bank
License of the Central Bank of the Russian Federation: No. 316
About the bank
Home Credit Bank was registered in 1990 under the name Technopolis. Among the founders then were many Zelenograd enterprises, as well as the Russian Brokerage House and the Russian Oil Company. In 2002, the bank was acquired by Home Credit Finance A.S. from the Czech Republic, after which the organization was reoriented to consumer lending and renamed Home Credit and Finance Bank. Home Credit has been licensed by the Central Bank since May 12, 1992, and has the right to carry out all types of banking services: conducts transactions in rubles and foreign currency, lend to the population and open deposits, sell valuable papers... The organization is included in the register of banks participating in the system compulsory insurance deposits.
The bank's regional network includes 23 branches in different regions, the head office is located 125040, Moscow, st. Pravdy, 8, building 1. In the region, the main office is located at 125040, Moscow, st. Pravdy, 8, bldg. 1, 23 branches and 29 ATMs were opened.
Home Credit offers its clients a wide range of financial services... A wide range of products has been developed for individuals, including term deposits, plastic cards, both debit and credit, as well as consumer, mortgage and car loans. The bank carries out currency exchange and life insurance, purchased goods, property and investments.
For legal entities lending, settlement and cash services, salary projects and financial protection... Most requested on financial market Russian service - consumer lending. Home Credit has a wide range of programs with 34 offers. The most popular programs among the clients of the organization are refinancing, mobile ur + euroset, purchase on credit + window house. The minimum rate is only 7.45%. Continues the line of mortgage loan products from Home Credit. Financial institution has car loan programs, minimum rate for which it is 9.90.
Most often, Home Credit Bank clients choose To buy a car.
The preservation and increase of capital is of interest to many financially active citizens, and Home Credit Bank offers its clients profitable programs deposits. Among 12 deposits, the maximum rate is 8.00. Those interested in opening a deposit can pay attention to the programs 18 months Plus, Cabinet Plus, 12 months Plus.
Home Credit also issues a large number of plastic cards... Among 12 debit cards the most popular are Key in USD, WORLD, Key in EUR. The maximum bet on the balance on them is 6.00. Credit card users most often pay attention to the Home Credit program - Eldorado, YARMARKA Card, Platinum Benefit Card. Many Home Credit Bank clients are interested in currency exchange.
On Vyberu.Ru you will find the daily updated dollar rate according to the organization's data.
Today's course purchases American currency is 60.18.
The dollar selling rate at the moment is 64.98. For those who prefer to use the currency of the European Union, the euro exchange is available. Today's EUR selling rate at Home Credit Bank is 72.34, and the purchase rate is 67.53.
Almost all of the liquidity raised in assets was channeled to retail lending. The benefit from corporate loan repayment was also used to issue retail loans. Home Credit is in 27th place in terms of assets. An extensive loan portfolio allowed the bank to take 11th place in the credit rating.
The bank was registered in Zelenograd under the name Technopolis in 1990. The founders were NPO Zenit, NTTM Doka Center, Zelenogradsky State Farm, Zelenograd Canteens Trust, Zelenograd Construction and Research Institute, Elpa Research Institute. The bank's participants also included the Russian Brokerage House and the Russian Oil Company. In March 2002, the bank was acquired by the Czech Home Credit Finance A. S., which is part of the Home Credit Group *. Immediately after the purchase, the bank was reoriented to consumer lending, and in March 2003 it was officially renamed Home Credit and Finance Bank (abbreviated as HCF Bank LLC).
To date Russian bank is part of the international group of companies PPF - one of the largest financial companies in Central and Eastern Europe. Currently, 99.9919% of the bank's shares are owned by Home Credit B. V., 88.62% of which is controlled by PPF Financial Holdings B. V. (Netherlands), and 11.38% - by Emma Omega LTD. The main beneficiaries of these organizations and, accordingly, Russian bank are the owner of PPF Group, one of the richest Czech businessmen Petr Kellner (with a share of 88.62%) and his business partner Jiri Schmeitz (7.36%).
According to press reports, earlier Schmeitz gave up his 5% in PPF holding in exchange for minority stakes and participation in the capital of banks owned by the group.
On January 31, 2015, Ivan Svitek left the post of chairman of the bank's board, Yuri Andresov was appointed acting chairman of the board. He held this position until March 25, 2015, when the Central Bank of the Russian Federation approved his candidacy for the position of Chairman of the Management Board of HKF Bank LLC. Prior to that, Yuri Andresov was deputy chairman of the bank's board, as well as 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 representative offices. The financial institute did not have operating branches on the indicated date. 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 financial institution. The total distribution network of Home Credit Bank, including a subsidiary bank in Kazakhstan, totaled about 117 thousand points of sale in partner stores.
In early May 2014, it became known about the closure of about 200 bank offices (8% of the total network volume). The decision was related to a general slowdown in economic growth and the introduction of regulatory measures aimed at optimizing costs. The number of the bank's employees also underwent a significant reduction: in the period from mid-2013 to 2015, the bank cut 30% of its staff. The number of personnel at the beginning of January 2016 was 14,239 people (as of January 2015 - 28.9 thousand people; as of January 2014 - 32 thousand people). According to the latest available data, average number employees in 2017 amounted to 13 389 people.
The priority areas of the financial institution are providing loans and a full range of financial services to individuals when purchasing consumer goods (directly at points of sale), providing loans using plastic cards and cash through its own network of offices, as well as through a partner network. The bank develops cooperation with corporate clients, mainly within the framework of programs consumer lending as well as within salary projects and deposit products. The bank's corporate partners include the largest federal (Eldorado, CSN, Svyaznoy, M. Video, Euroset, Lazurit) and regional (Nord, Poisk, Domotechnika) retail chains, as well as about 11 thousand individual stores throughout Russia. In recent years, special attention has been paid to the development of online services, which include the Internet and mobile bank, mobile app"My loan", infrastructure for providing loans using online technologies, etc. At the end of 2018, the number of active clients who opened a deposit in a bank, took out a loan or are holders of debit / credit cards, amounted to 3.5 million people.
From April 2018 to April 2019 net assets credit institution remained almost unchanged in volume, amounting to 261.5 billion rubles. Over the specified period, liabilities of corporate clients were repaid (-46.0%), partially offset by funds raised in the interbank market (+ 177.6%). In assets, despite their insignificant dynamics over the period, very noticeable structural changes were observed. The portfolio of bonds (-84.3%), corporate loan portfolio (-38.3%) and highly liquid assets (-48.2%) significantly decreased. At the same time, the bank increased its portfolio of issued interbank loans (from zero to 11.4% of assets) and retail loan portfolio (+ 10.4%).
In the passive part, 67% are deposits of individuals, 5.8% - funds of enterprises and organizations, the share of attracted interbank loans is 1.3%, the rest of liabilities are formed own capital... Capital adequacy in accordance with the N1.0 ratio was reporting date comfortable 12.8% (with a minimum set value of 8%). Per Last year the bank repaid about 96% of subordinated liabilities (in the form of Eurobonds) included in the capital according to the Central Bank's method. As of the reporting date, the volume of the remaining subordinated loans in equity amounted to RUB 0.5 billion. Customer account turnover for last months amounted to about 69-76 billion rubles and were largely formed by payment activity individuals.
The structure of assets is dominated by the loan portfolio, which accounts for 97% of net assets. The portfolio comprises 95% loans to private clients, the rest is loans to enterprises and organizations. The share of delinquencies in the portfolio over the last year did not change, amounting to 3.8% according to RAS, the level of provisioning for the portfolio also remained at the same level - 6.8%. The Bank periodically conducts transactions for the sale of overdue loans overdue for more than a year collection agencies, counterparties for the purchase are selected through a tender.
The portfolio of securities accounts for 2.9% of assets and is fully represented by bonds. At the reporting date, approximately two-thirds of the securities were Russian government bonds, and another third were Eurobonds. Trading turnover and portfolio repos are small and volatile.
The share of issued interbank loans in assets is 11.4%, another 1.9% falls on highly liquid assets (balances in the cash desk and on the correspondent account with the Central Bank). On the interbank lending market, the bank is active in both directions, lending turnovers in the last months of the reporting period amounted to 20-140 billion rubles, and on attracting liquidity - 24-106 billion rubles.
At the end of 2018, the bank earned a net profit of 9.8 billion rubles, which was less than the result of 2017 (11.9 billion rubles). For the first quarter of 2019, the financial institute received 4.7 billion rubles of net profit.
Board of Directors: Jiri Schmeits (chairman), Irina Kolikova, Galina Vaisband, Julius Tai.
Governing body: Yuri Andresov (chairman), Sergei 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 in this segment of the banking services market. Home Credit Group is part of the international investment group companies PPF, engaged in investment, banking and insurance business. The main owner (98.93% of voting shares) is one of the richest Czech businessmen, Petr Kellner (with a capital of $ 16 billion, he is 73rd in the world list of billionaires (2019) according to Forbes).
PPF Group operates in such countries as Czech Republic, Russia, Slovakia, Poland, Hungary, Slovenia, Bulgaria, Croatia, Serbia, Montenegro, Netherlands, Germany, Great Britain, Finland, Kazakhstan, China, Vietnam, Philippines, India, Indonesia, Romania , USA. PPF Group's assets are concentrated in such industries as banking 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 the countries of presence. The total amount of assets managed by the PPF Group reaches 38 billion euros (according to the group's data as of June 30, 2018). The number of employees in the companies of the group by December 30, 2017 was 170 thousand people.
- Branch address: Kolomna (Moscow region), Vokzalnaya, 7 map
- Branch phones:
- Working hours:
Korneeva, 1a
- Branch address: Domodedovo (Moscow region), Korneeva, 1a map
- Branch phones: 88007008006 [round-the-clock unified inquiry], +74957858222 [paid hotline - Mon-Sun round the clock], +74996432985
- Working hours: Mon-Sat: 09:00 - 20:00, Sun: 10:00 - 20:00
Lenin, 16
- Branch address: Lobnya (Moscow region), Lenina, 16 location map
- Branch phones: 88007008006 [round-the-clock unified inquiry], +74957858222 [paid hotline - Mon-Sun round the clock], +74995570455
- Branch address: Yegoryevsk (Moscow region), Sovetskaya, 107 map
- Branch phones:
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Bolshaya Pokrovskaya, 35
- Branch address: Pavlovsky Posad (Pavlovo-Posad district, Moscow region), Bolshaya Pokrovskaya, 35 map
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Lenin, 34
- Branch address: Orekhovo-Zuevo (Moscow region), Lenina, 34 map
- Branch phones:
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Zelenograd, k1104
- Branch address: Zelenograd (Moscow), Zelenograd, k1104 map
- Branch phones:+74957858222 [paid hotline - Mon-Sun round the clock], +74959264752 [round-the-clock single inquiry]
Comintern, 17
- Branch address: Korolyov (Moscow region), Kominterna, 17 map
- Branch phones: 88007008006 [round-the-clock unified inquiry], +74957858222 [paid hotline - Mon-Sun round the clock], +74999954580
- Working hours: Mon-Fri: 09:00 - 20:00, Sat: 09:00 - 18:00, Sun: 10:00 - 18:00
- Branch address: Balashikha (Moscow region), Sovetskaya, 2/9 map
- Branch phones: 88007008006 [round-the-clock single reference], +74957858222 [paid hotline - Mon-Sun round the clock], +74996579634, +74996579635, +74996579639
- Working hours: Mon-Fri: 09:00 - 20:00, Sat, Sun: 10:00 - 18:00
Mira Avenue, 8
- Branch address: Fryazino (Moscow region), Mira prospect, 8 map
- Branch phones: 88007008006 [round-the-clock unified inquiry], +74957858222 [paid hotline - Mon-Sun round the clock], +74957397535, +74957397536, +74957397534
- Working hours: Mon-Fri: 09:00 - 20:00, Sat, Sun: 10:00 - 18:00
Luhansk, 10
- Branch address: Moscow, Luhansk, 10 map
- Branch phones:+74957858222 [paid hotline - Mon-Sun round the clock], +74959264752 [round the clock single inquiry], +74992719237, +74992719235, +74992719230
Starokachalovskaya, 5a
- Branch address: Moscow, Starokachalovskaya, 5a map
- Branch phones:+74957858222 [paid hotline - Mon-Sun round the clock], +74956455223, +74956455524
Komsomolskaya, 1 building 1
- Branch address: Podolsk (Moscow region), Komsomolskaya, 1 k1 map
- Branch phones:+74957858222 [paid hotline - Mon-Sun round the clock], +74967567058, +74967567059
- Working hours: Mon-Fri: 10:00 - 20:00, Sat: 10:00 - 17:00, Sun: closed
Pervomayskaya, 107
- Branch address: Moscow, Pervomayskaya, 107 map
- Branch phones:+74957858222 [paid hotline - Mon-Sun round the clock], +74959264752 [round-the-clock single inquiry], +74997024725
- Working hours: Mon-Fri: 10:00 - 20:00, Sat: 10:00 - 17:00, Sun: closed
Oktyabrsky prospect, 151/9
- Branch address: Lyubertsy (Moscow region), Oktyabrsky prospect, 151/9 map
- Branch phones:+74957858222 [paid hotline - Mon-Sun round the clock], +74959264752 [round-the-clock single inquiry], +74987120304
Orekhovy boulevard, 14 k3
- Branch address: Moscow, Orekhovy boulevard, 14 k3 map
- Branch phones:+74957858222 [paid hotline - Mon-Sun round the clock], +74959264752 [round-the-clock single inquiry], +74957273955, +74957273957, +74992771578
- Opening hours: daily: 10:00 - 20:00
Mozhaisk highway, 151
- Branch address: Odintsovo (Moscow region), Mozhaisk highway, 151 map
- Branch phones:+74957858222 [paid hotline - Mon-Sun round the clock], +74959264752 [round-the-clock single inquiry], +74996579652, +74996579611
Chertanovskaya, 1v k1
- Branch address: Moscow, Chertanovskaya, 1v k1 map
- Branch phones:+74957858222 [paid hotline - Mon-Sun round the clock], +74956518331
- Working hours: Mon-Fri: 10:00 - 20:00, Sat: 10:00 - 17:00, Sun: closed
Svobodny prospect, 22
- Branch address: Moscow, Svobodny prospect, 22 map
- Branch phones:+74957858222 [paid hotline - Mon-Sun round the clock], +74959264752 [round-the-clock single inquiry], +74959267964
- Working hours: Mon-Fri: 10:00 - 20:00, Sat: 10:00 - 17:00, Sun: closed
- Branch address: Ramenskoe (Moscow region), Sovetskaya, 1B road map
- Branch phones:
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Trudovaya, 4a
- Branch address: Noginsk (Noginsk district, Moscow region), Trudovaya, 4a map
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Kirovogradskaya, 15
- Branch address: Moscow, Kirovogradskaya, 15 map
- Branch phones:
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Preobrazhenskaya, 2 k1
- Branch address: Moscow, Preobrazhenskaya, 2 k1 map
- Branch phones:+74957858222 [paid hotline - Mon-Sun round the clock], +74959264752 [round-the-clock single inquiry], +74997024734
- Working hours: Mon-Fri: 10:00 - 20:00, Sat: 10:00 - 17:00, Sun: 10:00 - 16:00
Grekova, 8
- Branch address: Moscow, Grekova, 8 map
- Branch phones:+74957858222 [paid hot line - Mon-Sun round the clock], +74959264752 [round-the-clock single inquiry], +74957395525, +74957395526
- Working hours: Mon-Fri: 10:00 - 20:00, Sat: 10:00 - 18:00, Sun: closed
Ozernaya, 42
- Branch address: Moscow, Ozernaya, 42 map
- Branch phones:+74957858222 [paid hotline - Mon-Sun round the clock], +74995570480
- Working hours: Mon-Fri: 10:00 - 19:10, Sat: 10:00 - 17:10, Sun: closed
Altufevskoe highway, 86 k1
- Branch address: Moscow, Altufevskoe highway, 86 k1 map
- Branch phones:+74957858222 [paid hotline - Mon-Sun round the clock], +74959264752 [round-the-clock single inquiry], +74959263447
- Working hours: Mon-Fri: 10:00 - 20:00, Sat, Sun: 10:00 - 17:00
Veshnyakovskaya, 20B
- Branch address: Moscow, Veshnyakovskaya, 20B road map
- Branch phones:+74957858222 [paid hot line - Mon-Sun round the clock], +74959264752 [round-the-clock single inquiry], +74956691049
- Working hours: Mon-Fri: 10:00 - 20:00, Sat: 10:00 - 17:00, Sun: closed
Avtozavodskaya, 4
- Branch address: Moscow, Avtozavodskaya, 4 map
- Branch phones:+74957858222 [paid hot line - Mon-Sun round the clock], +74959264752 [round-the-clock single inquiry], +74997641993, +74997641994
- Working hours: Mon-Fri: 10:00 - 20:00, Sat: 10:00 - 17:00, Sun: closed
Profsoyuznaya, 129a
- Branch address: Moscow, Profsoyuznaya, 129a map
- Branch phones:+74957858222 [paid hotline - Mon-Sun round the clock], +74959264752 [round-the-clock single inquiry], +74954191249
- Working hours: Mon-Sat: 10:00 - 20:00, Sun: 10:00 - 18:00
Heroes Panfilovtsev, 1/2
- Branch address: Moscow, Heroes Panfilovtsev, 1/2 map
- Branch phones:+74957858222 [paid hotline - Mon-Sun around the clock]
- Working hours: Mon-Fri: 10:00 - 19:00, Sat: 10:00 - 17:00, Sun: closed
Leningradskoe highway, 16a st1
- Branch address: Moscow, Leningradskoe shosse, 16a st1 map
- Branch phones:+74957858222 [paid hotline - Mon-Sun round the clock], +74957831573, +74957831574, +74957831575
- Working hours: Mon-Fri: 10:00 - 20:00, Sat: 10:00 - 17:00, Sun: closed
Sergius of Radonezh, 6
- Branch address: Moscow, Sergius of Radonezh, 6 map
- Branch phones:+74957858222 [paid hot line - Mon-Sun round the clock], +74959264752 [round-the-clock single inquiry], +74957397655, +74997024709
- Working hours: Mon-Fri: 10:00 - 20:00, Sat, Sun: closed
Verkhnyaya Krasnoselskaya, 38/19 st1
- Branch address: Moscow, Verkhnyaya Krasnoselskaya, 38/19 st1 map
- Branch phones:+74957858222 [paid hotline - Mon-Sun round the clock], +74957851542
- Working hours: Mon-Fri: 10:00 - 19:00, Sat, Sun: closed
Gross, 21 k125
- Branch address: Moscow, Valovaya, 21 k125 map
- Branch phones:+74957858222 [paid hotline - Mon-Sun round the clock], +74959264752 [round-the-clock single inquiry], +74959599791, +74959599790, +74959599793
- Working hours: Mon-Fri: 10:00 - 20:00, Sat: 10:00 - 17:00, Sun: closed
1905, 4
- Branch address: Moscow, 1905, 4 map
- Branch phones:+74957858222 [paid hotline - Mon-Sun round the clock], +74957850862
- Working hours: Mon-Fri: 10:00 - 20:00, Sat: 10:00 - 17:00, Sun: 10:00 - 16:00
Pravdy, 8 k1
- Branch address: Moscow, Pravdy, 8 k1 map
- Branch phones:+74957858222 [paid hotline - Mon-Sun round the clock], +74956489930
- Working hours: Mon-Fri: 10:00 - 20:00, Sat: 10:00 - 17:00, Sun: closed
Russia Moscow
Jiri Schmeitz (Chairman of the Board of Directors), Ivan Svitek (Chairman of the Board)
▲ RUB 10.754 bln. (2011)
Home Credit B.V.
Home Credit and Finance Bank is a Russian commercial bank, one of the leaders in the Russian consumer lending market. The main office is in Moscow.
Story
The bank was founded in 1990 under the name Technopolis Innovation Bank. In 2002, the Home Credit Group purchased the Technopolis Innovative Bank. On July 16 of the same year, the first loan under the Home Credit brand was issued in Russia. In the same year, the first representative office and the first sales point were opened.
In 2003, the bank entered into a partnership agreement with Eldorado and began geographic expansion. In 2004, the bank issued its first credit card and made its first profit for the year. Home Credit points of sale were opened in all federal districts of Russia, with the exception of Of the Far East... In 2005, the bank opened the first credit and cash office and issued the first cash loan.
In 2006, the bank focused on improving the underwriting system and combating fraud, and also launched a mortgage lending program. In 2007, the bank became a leader in the credit card market, and was one of the first on the market to hold a 0-0-24 promotion. Home Credit began to move from a monoline bank model to a universal retail bank. The car loan program was launched, the attraction of deposits from individuals and the issuance of debit cards began.
In 2008, the bank optimized its strategy, responding flexibly to the crisis. The bank focused on cash and point of sale loans, phasing out mortgages and car loans. In 2009, the bank entered the salary projects market, develops a network of ATMs, offers its customers SMS-notification services and Internet banking. Home Credit becomes No. 1 in the POS lending market.
In 2010, the bank achieves a record profit under IFRS for the entire period of its existence - 9.4 billion rubles. Resumes issuing car loans and active regional expansion. In 2011, the bank continues to develop sales channels, expanding its presence in the regions, attracting agents and brokers to sell its products. As a result, at the end of the year, the volume of issued cash loans exceeded the volume of POS loans.
Owners and management
Chairman of the Board of Directors - Jiri Schmeits. Chairman of the Board - Ivan Svitek.
Activity
Home Credit Bank is active in the retail banking market. At the end of 2011, HCFB in Russia had 1273 offices of various formats, and 58 thousand points of sale.
According to the reporting of HKF-Bank for international standards financial accounting(IFRS), in 2011 its net profit amounted to 10.75 billion rubles, an increase in comparison with 2010 by 14.3%. The loan portfolio at the end of 2011 amounted to RUB 112.8 billion. ...
According to Frank Research Group, as of July 1, 2011, the bank occupied 27.6% of the lending market at points of sale (1st place). According to Tinkoff Credit Systems Bank, Home Credit 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 absolute growth in the loan portfolio. As of December 31, 2011, the share of overdue loans held by HCFB was 5.8%.
The bank is rapidly increasing the share of deposits in the structure of attracted funds. At the end of 2011, the growth in the volume of retail deposits at HCF-Bank amounted to 260%.
According to the research of ROMIR holding, Home Credit Bank ranks 6th in terms of visibility among Russian banks.
Key performance indicators
Social politics
Kindergarten "Orangery"
The office complex of the Obninsk representative office of Home Credit Bank operates Kindergarten Greenhouse for employees' children. This is one of the first kindergartens in Russia located in an 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 his capabilities and motivation.
Improving financial literacy
Home Credit Bank is actively working to increase financial literacy population. By implementing this program since 2008, the bank has been conducting expert master classes in regional cities, together with the association of regional banks "Russia" has issued a "Borrower's Guide", and also held a competition among journalists for best material helping to improve the financial literacy of Russians.
"48 hours"
In the spring of 2011, Home Credit Bank was the first on the market to introduce the “48 hours” service, which allows borrowers to change their minds and refuse a loan within two days, paying interest only for the actual time of its use.
Charity
Since 2009 Home Credit Bank has been implementing the Blue Bird charity project. According to the bank, the goal of this project is to help talented and promising school graduates in difficult social and economic circumstances make the right choice - to enter a university and get higher education... Demonstrating good and excellent academic success, program participants receive a scholarship throughout the entire period of study. In addition to paying scholarships, the bank gives gifts and organizes various trainings and events to reward academic success.
Since September 2011, the program has been operating in 8 regions of Russia, including: Kaluga, Sverdlovsk, Volgograd, Murmansk, Leningrad region, Altai region, Republic of Karelia and Bashkortostan.
Union
On December 9, 2009, a primary trade union organization (PPO) of the all-Russian trade union of office and management personnel, creative and intellectual workers "TOGETHER" was created in the bank. After Ivan Svitek was notified of the creation of a trade union, the chairman of the PPO and members of the trade union committee were given notice of layoffs.
In response to a request from Vedomosti regarding the created trade union, the bank's press service sent the following message to the editorial office:
“The Bank actively maintains an atmosphere of open communication with all its employees through constant direct communication within the company. This atmosphere not only motivates and orientates our employees towards results, but also provides a comfortable working environment, develops its corporate culture. The process of communication with employees is ongoing, is key in the bank's policy and does not depend on the presence or absence of trade unions. "
According to the chairman of the bank's PPO, the reaction of the bank's management to the creation of the trade union was aggressive:
“Since the bank has Czech roots, I assumed that the attitude towards the trade union movement should be rather European and democratic. But the reaction was aggressive. For several hours I was pressed by the security service as if under interrogation by the Gestapo. They called people with whom I spoke. They said bluntly: there will be no trade union in the bank - they will find a reason to fire all union members. "
Criticism
Rospotrebnadzor also filed claims against the bank for inclusion in loan agreement conditions on contractual jurisdiction at the location of the bank in Moscow. Following the folding jurisprudence, in 2010 the terms of the contractual jurisdiction were also changed by the bank.
In May 2007, a deputy from the Just Russia faction, Oleg Shein, submitted a deputy's request to the General Prosecutor's Office and the FSB with a request to investigate the bank's activities for fraudulent actions. In his parliamentary inquiry, Shein expressed concern that the victims of dubious, from his point of view, credit schemes could become the poorest citizens, who constitute the main target audience Home Credit Bank. Based on this request, prosecutor's check as well as checks antimonopoly service and the Bank of Russia. Based on the results of inspections, no violations in the bank's activities were revealed.
Bank positions in ratings
No. 1 in terms of return on assets - RIA Analytica.
RA "Expert":
№ 3 by the volume of issued cash loans and POS-lending;
№ 3 among the top 20 banks in terms of the portfolio of cash loans and POS lending;
№ 5 in the thirty most retail banks;
№ 20 in the thirty largest banks in terms of attracted deposits of individuals.
Kommersant Magazine - Money:
№ 32 among the largest banks in Russia by amount net assets.
Notes (edit)
- Banki.ru Help
- Home Credit Bank's net profit for 2011 increased by 14.3%
- Home Credit & Finance Bank's net profit amounted to 407 million rubles in 2004 against a loss of 243 million rubles at the end of 2003
- Lightweight mortgage from Home Credit
- Credit card market growth slows down
- HCF-Bank started car loans
- Home Credit Bank started accepting term deposits
- Home Credit Bank entered the salary projects market
- Home Credit has launched Internet banking
- The leader in the Russian express lending market has changed
- Home Credit Bank's net profit for 2010 amounted to 9.4 billion rubles
- Home Credit Bank plans a grandiose increase in its regional network to 2500 branches
- Vasily Kudinov... “We may have 60 million clients in Russia,” - Andrey Lykov, Chairman of the Board of Home Credit and Finance Bank // Vedomosti, No. 205 (1979), October 30, 2007
- HCF Bank in 2011 increased its profit under IFRS by 14.3%, loan portfolio - 1.5 times
- HCF-Bank cashed out lending
- Markets and ratings
- TCS Bank: the Russian market of credit cards grew in 2011 by 61.6% to 367.8 billion rubles
- Consumer lending market leaders among private banks
- Inflation: Historic Lows Do Not Cancel Risks
- Civic funding
To begin with, I am very sorry that the moderation will not miss out on what this bank really deserves. And he deserves it, and even more.
I am not a supporter of collecting loans and living in debt, I took an installment plan for Ascona goods, because there was a grace period, and small interest was obtained. as a result, the sofa that was brought in turned out to be terribly toxic. The consequences for the health of the family are catastrophic, a year has passed, but our life is still hell, children relapse all the time, life has never been there. but this is not about the bank, but now, about the bank. It so happened that the bank did not transfer the money at the time when Ascona brought her rubbish to my house. I emphasize - I did NOT translate, and I immediately called and asked not to transfer money, so that I would pay for the second item directly with Ascona. They told me on the phone "yes, of course", but in fact the money was transferred, completely ignoring my request. my life was subordinated for many months in a row by the fact that I treated children for days with one or another composition, so I called the bank and wrote without walking. Ascona transferred the money for the sofa to the bank. The bank, to which I do not have censorship words, decided that it would write off monthly payments from there, instead of writing off the amount immediately, because they wanted to earn interest, although I called them, I repeat, wrote (correspondence that was not answered , naturally saved), they pretended that I did not exist. In June, I was completely exhausted from the struggle with the terrible skin of children, I took them in an armful and left for the mountains. Then the bank ran out of money from Ascona, and they decided to get all possible interest from me in full. I returned, paid the principal amount for ONE product that I actually used, interest for it based on the grace period (yes, I missed it for two weeks, but only for the reason that I could not get the answer out of the bank, although I wrote to them and called, repeatedly). but no, these amazingly greedy people need me to pay for the sofa, which, not only did I not use, but because of it I suffered losses for more than one hundred thousand rubles (no, I was not mistaken with zeros, I have three children , so many doctors have passed that through no gate, drugs are bought in trains too, all tickets and performances are skipped, tutors, so that at least somehow learn something, taking into account the fact that we now do not dream of school), so also money for this sofa have been translated straightaway Ascona back, but were not written off! now they call me ten times a day and want money. Now they respond to letters, but before that they ignored them, and pretended not to be written to them. So the second part of the Marlezon ballet consists in the fact that they also decided to write off the money I contributed once in July on a monthly basis (on what interesting basis?) And continue to accrue interest for the entire period. Unfortunately, this is all with impunity, but let at least someone give them up, looking at what these non-humans are doing. It might be easier to pay to choke, but it’s a gross injustice. It is generally difficult to find a more law-abiding person. I have three children, the whitest salary is not the lowest, with which everything is paid on time where necessary and not necessary - a gift, not a citizen. yes, of course, the mortgage is to the delight of the state and the bank. But it’s impossible that there’s no control at all for this filth. I look at my life in the last year as some kind of bad black movie, where some villains have stolen my and my childhood life, while others are also trying to make money on it. so let them at least know about their meanness