Established in 1997, we are a leading international provider of consumer finance with key operations in ten markets of Central and Eastern Europe and in Asia. We stand for leadership in responsible lending and financial literacy. • Established in 1997 • Founded in the Czech Republic • 44 Million Customers to Date • 53,800 Employees • 166, 272 Distribution Points • €7.0 Billion in Assets • €5.1 Billion of Net Loans • €1.9 Billion in Operating Income (Data as at 31 December 2015 covering all Home Credit-branded companies, unless otherwise mentioned) In China, we are pioneering the development of the country’s consumer finance industry with a cutting-edge, simple, fast and affordable service. It could be financing for a laptop, a washing machine, or even a motorbike: we provide small loans to people buying durable goods. In fact, we are the global leader in financing mobile phones, which is the most popular purchase that we finance. By using our lower-ticket loans, our new customers learn to manage their finances effectively. We only offer them products they can afford and we teach them financial literacy along the way. • Present in China since 2007 • Operating in 17 provinces (over 150 cities) • 20,000 Employees • 30,000 Distribution Points We are partnering with leading national retailers such as Suning, Gome and hundreds of other companies in order to offer consumer finance loans wherever our customers go and wherever they need them. In practice, we demonstrate how the consumer finance industry boosts the turnover of our partnering retailers and increases overall household consumption. Since our launch in China, we have provided loans that have increased household spending by over RMB 25 billion. We also supply customers’ data to the PBOC credit registry, thereby helping our consumers to create their credit records. This makes an important contribution to the growth of the domestic economy and balancing China’s society. Under the careful guidance and with the strong support of the Government of the PRC and its regulators, Home Credit is making steady progress and helping achieve the “Chinese Dream”.