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Home Credit

Home Credit Group is a leading multi-channel provider of consumer finance.

Founded in 1997, Home Credit Group focuses on responsible lending primarily to people with little or no credit history. The Group drives and broadens financial inclusion for those without access to banking services by providing a positive and safe borrowing experience – the first for many of its customers. In doing so, the Group promotes higher living standards and meets borrowers’ financial needs. Its services are simple, easy and fast. These features position the Group ahead of its competitors and makes it a leading provider of consumer finance. 


The Group operates in highly attractive markets with significant barriers to entry, where its experience and knowledge sustainably puts it ahead of its competitors. The Group is currently active in the Czech Republic (since 1997), the Slovak Republic (since 1999), the Russian Federation (since 2002), Kazakhstan (since 2005), China (since 2007), India (since 2012), Indonesia (since 2013), the Philippines (since 2013), Vietnam (since 2014) and USA (since September 2015 in partnership with Sprint). In each country Home Credit is subject to oversight by the relevant financial services regulators.

The Group’s 125.4 thousand employees have so far served 116 million customers through its vast distribution network comprising 437,417 points of sale, loan offices, branches and post offices (figures as at 31 December 2018). More information on HCBV is available at

Distribution Model

The Group specialises in multi-channel consumer finance lending, offering a variety of products. The backbone of its operations, however, is “in-store lending”. At the “points of sale” (or “POS”), spread across local retailers’ shops, the Group offers loans for purchases of durable goods and other types of consumer financing provided in local currencies. In countries where Home Credit Group holds banking licences, it also offers transactional banking for individuals and takes deposits, which are an important source for local funding. The Group’s product portfolio differs by country, as market dynamics and customer needs vary from market to market.

Ownership Structure

The majority shareholder (91.12% stake) of Home Credit B.V. is PPF Group N.V. A minority stake (8.88%) of Home Credit B.V. is held by EMMA OMEGA LTD, an investment holding company ultimately owned by Mr. Jiří Šmejc.

Home Credit Group B.V.: Key Business Highlights (consolidated)

  2018 2017
PPF Group holding 91.12% 88.62%
Operating revenue (EUR millions) 3,953 3,123
Profit after tax (EUR millions) 422 244
Total assets (EUR millions) 23,647 21,533
Total equity (EUR millions) 2,154 2,035
Year-end number of employees 125,400 157 000

Home Credit Group B.V.: Management as of September 1, 2018

Board of Directors Jiri Smejc, Executive Chairman
Jan Cornelis Jansen, Vice-Chairman
Mel Carvill, Member
Christoph Glaser, Member
Rudolf Bosveld, Member
Marcel van Santen, Member
Paul de Reijke, Member
Jean-Pascal Duvieusart, Member
Group Management Ondřej Frydrych, Group Chief Executive Officer
Jean-Pascal Duvieusart, Group Chief Business Development Officer and Head of Capital Markets
Tomáš Kočka, Chief Commercial Officer
Mel Carvill, Group Chief Officer, Government and Public Relations
Christoph Glaser, Group Chief Financial Officer
Petr Janák, Chief HR Officer
Pavel Vyhnálek, Regional Executive Director
Pavel Rozehnal, Chief Legal Officer
Pavel Krbec, Group Head of Online
Miroslav Boublík, Head of Special Projects
David Minol, Regional Executive Director
Radek Hubený, Group Head of Strategy
Luděk Mráz, Group Head of CRM
Radek Pluhař, Group Chief Risk Officer
Khalid Husseini, Chief Information Officer
Country Management Yurij Andresov, Chairman of the Board of Directors, Home Credit and Finance Bank Russia
Luděk Jírů, Chief Executive Officer, Home Credit Czech Rep. and Slovakia
Karel Horák, Chief Executive Officer, Home Credit Kazakhstan
Roman Wojdyla, Chief Executive Officer, Home Credit China
Dmitry Mosolov, Chief Executive Officer, Home Credit Vietnam
Ondřej Kubík, Chief Executive Officer, Home Credit India
Jaroslav Gaisler, Chief Executive Officer, Home Credit Indonesia
Annica Witschard, Chief Executive Officer, Home Credit Philippines
Igor Přerovský, Chief Executive Officer, Home Credit US


Home Credit B.V.
Strawinskylaan 933
1077 XX Amsterdam
The Netherlands
Phone: +31 (0) 208 813 120
Fax: +31 (0) 208 813 129

Home Credit International, a.s.
Evropská 2690/17
160 41 Prague 6
The Czech Repuplic
Phone: +420 224 174 777
Fax: +420 224 174 612

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