2. 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

3. 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

4. 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

5. 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

6. 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

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

9. 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

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

11. 1 000+
servers 3
locations
800+ professionals

12. 16
time zones
20 data centres 11
countries

15. transactions every day
active customers
transactions every day

16. Our Projects Development of an unified core system
for countries of the Home Credit Group
Internet bank, customer portals:
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

18. 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

19. 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

20. <MEET REAL CHALLENGE>
EmbedITcz
Brno
Spielberk Office Centre
Prague
PPF Gate
Ostrava
Varenska Office Centre
<MEET REAL CHALLENGE>