Who are we? We’re one of Europe and Asia’s top consumer finance lenders We want to help our clients realise their dreams in a financially secure way We provide small loans to people buying durable goods (mobile phones, washing machines, motorbikes – or it can be a cash loan) We do this primarily through Point-of-Sale outlets inside stores for financing and through our branch network for cash loans We only offer them products they can afford and we teach them financial literacy along the way ABOUT US

Our achievements in numbers as of 30 June 2016 Countries we operate in 11 Customers in our database 59.9 million Distribution points 218,837 Total assets € 10.9 billion Full-time employees 86,795 Operating income € 885 million Customers’ deposits € 4,933 million Active customers 15.1 million Net loan portfolio € 6,988 million NPL ratio 8.0% Cost to income 58.5% Cost of Risk 8.5% ABOUT US OPERATIONS

Home Credit’s global presence Home Credit operations Czech Republic – since 1997 Slovakia – since 1999 Russia – since 2002 Kazakhstan – since 2005 Belarus – since 2007 Vietnam – since 2009 China – since 2007 India – since 2012 Indonesia – since 2013 Philippines – since 2013 ABOUT US OPERATIONS

A snapshot of our global consumer finance operations and leadership across markets Slovakia Russia Kazakhstan Actively served clients Employees Distribution points Total assets (TEUR) Net loans (TEUR) Net profit (TEUR) 326,971 652 5,772 468,739 400,328 11,403 273,114 246 3,026 297,380 251,528 601 3,406,096 12,630 90,024 3,174,008 2,094,167 11,784 680,609 3,919 6,956 307,674 244,447 16,764 1 2 China India Vietnam Indonesia The Philippines Active clients Total assets(TEUR) 7,275,447 42,512 97,635 3,773,965 3,251,088 74,139 1,278,967 8,411 5,969 348,658 296,912 21,221 696,263 10,915 4,172 134,994 91,807 Before break-even 302,294 3,130 2,735 71,578 49,647 220,935 2,487 1,274 42,247 27,215 Startup Czech Republic All figures as at 30 June 2016 * Market positions as estimated by local country management ABOUT US OPERATIONS

About me Where I studied Why I joined Home Credit? What is my job? My future in Home Credit? Your future in Home Credit.. ABOUT US

Invitation MFF jobfair – chance to win iPhone 7 Business lecture tomorrow: Radek Pluhař, Chief Risk Officer (PPF Gate at 18:00) – www.technicdays.cz www.jedinesnami.cz ABOUT US

From MatFyz to CIO Khalid Husseini Master’s degree in Mathematics and Physics from Charles University in Prague 16-year professional career in international consultancy, considerable experience in the financial services industry

We design, develop & support business critical applications across all companies within the Home Credit Group & Air Bank

1 000+ servers 3 locations 800+ professionals

16 time zones 20 data centres 11 countries

transactions every day 45 000 000 active customers 200 000 000 transactions every day

Our Projects Development of an unified core system for countries of the Home Credit Group Internet bank, customer portals: www.spravcefinanci.cz ib.airbank.cz Unified front-end for web applications Internal applications Mobile Apps for Android and iOS Biometrics Building data centers Big data using data from social networks in marketing and credit scoring

We are hiring embedit.cz/career Enterprise Architect Technology Architect Business Analyst Solution Architect Java Developer System Architect System Analyst NOC Technician Application Support System Administrator Infrastructure Architect IT Controlling End User Support IT Procurement Service Delivery Coordinator Security Specialist Project Manager Junior/Senior SW Tester Technical Tester Human Resources Office Management embedit.cz/career

Benefits Laptop & Mobile Corporate events Annual bonus 5 weeks of holiday, 2 sick days Legendary team parties Meal Allowances Home office Contribution to pension scheme Business trips to exotic destination Laptop & Mobile Corporate events Annual bonus Bonus for loyal employees Representative work spaces Fully equipped kitchens

<MEET REAL CHALLENGE> kariera@embedit.cz EmbedITcz Brno Spielberk Office Centre Prague PPF Gate Ostrava Varenska Office Centre <MEET REAL CHALLENGE>