Home Credit B.V Information

Home Credit Consumer Finance Co., Ltd. ("HCCFC") is a licensed consumer finance company, which is invested by a world leading consumer finance provider Home Credit N.V. and started its operations at the end of 2010. As at June 30, 2019, HCCFC has presence in more than 300 cities covering 29 provinces together with municipalities directly under the central government in China. By working closely with national retail chains such as D.Phone and Suning and cooperating with over 260,000 retail partners, it has set up over 260,000 POS outlets across the country. HCCFC has so far served over 50 million customers. Meanwhile, HCCFC is accelerating its digitization as well. Over 30 million customers have registered Home Credit's mobile app year-to-date and thus entered its service ecosystem. Driven by its superior ability of data capture and analysis and by leveraging the Big Data and bio-identification technology, HCCFC is able to integrate the cutting-edge risk management capabilities into each link of its business process, thus efficiently serving its customers with FinTech. Home Credit N.V. ("HCNV") is the Netherlands-based holding company for Home Credit's global platform, which centrally manages its core strategy, technology, risk, product and funding functions while adapting to local market needs. HCNV is an emerging markets' consumer finance specialist with operations in (1) Central & Eastern Europe including Czech Republic and Slovakia; (2) the Commonwealth of Independent States including Russia and Kazakhstan; (3) China and (4) South & South East Asia including India, Indonesia, Vietnam and Philippines. Founded in 1997, HCNV focuses on responsible lending primarily to people with little or no credit history and is fully licensed to operate in its chosen markets. HCNV drives and broadens financial inclusion by providing financing to under-serviced populations wherever and whenever they need through its omni-channel distribution network, while providing a positive and safe borrowing experience. Our vision is to make financial services easy, simple and fast. As at June 30, 2019, HCNV has so far served over 123.7 million customers through a distribution network comprising approximately 453,539 points of sale, loan offices, branches, post offices and ATMs.