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Home Credit - personal account, enter the online account by number, overview. Home loan Bank Bank home loan

Olga |

I have been a banker for a very long time. Never had any problems. I have an installment plan and a consumer loan in this bank, it is convenient to pay for them through the application, and in the application you can find any information on the loan. I want to express my gratitude to the support service, they will always help and prompt in any unclear situation. I really like the service in this bank.

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Ivan |

I have been using this bank for a long time. Before, by the way, about 7 years ago, everything was much worse. With the first loans, I took a sip of grief: D But nothing, the bank is developing, at the same time, the service does not stand still. I even advise friends sometimes) A trifle, but nice: when concluding a loan agreement, you only need to sign two sheets of paper) They freeze banks from a ton of paper. Here, take an example!

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Love |

Hello. I need a loan in the amount of 40 thousand rubles urgently. Help arrange.

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Irina |

So, no one does anything here. This is only information about the services provided by the bank. You need to go directly to the official website of the bank. There is probably a form for submitting an online application. All you have to do is fill it out and click the button. That's exactly what I did when I took out a loan. I personally got a call from a bank employee with the approval of the application.

Andrey |

They took a consumer loan at Home Credit Bank, as described in the article, a minimum package of documents is required, though not quite, I had to run a little, there were problems with evidence of regular income, because. got a job not too long ago. In general, everything is cool, I am slowly paying off the loan, already more than half.

Paul |

I didn’t like it, I applied for a loan for a TV right in the electronics supermarket, they quickly issued it, and the money was immediately transferred to the store. Noya, to celebrate, did not immediately read the contract, and when I started paying, I realized that it was better for me to take cash in another bank. And the percentage is large, and there is a commission, they also forced to conclude insurance. In general, I overpaid about 40 percent for this TV. It's my own fault, I should have calculated everything from the beginning.

Anna |

To be honest, my last attempt at cooperation with Home Credit Bank failed. I took a loan somehow, I liked everything, quickly, quickly processed everything and at a normal percentage. Then I decided to open a debit card, sent an application online, they called back immediately, they said it would be in 2 weeks. I'm waiting two weeks, a month. I called the call center. They said they would sort it out. After 2 weeks, I received an SMS that my card was canceled !! Sent another request to get it sorted out.

Tatiana |

I agree that the staff is competent and polite, plus their customer focus is at a high level, but I did not notice low interest rates on loans there. They approve large amounts if you fit the documents and the CI is in order, but a rate of less than 25% in Home Credit is nonsense. The salaries are lower, but, also, if you compare the market, then the interest rates are far from the lowest. On the other hand, they have a good reputation compared to most large banks. I have never heard that they came up with some incomprehensible commissions for someone or deceived someone. Suitable for its payroll employees and those for whom service is more important than cost.

Anton |

You can listen to my story then. I had a loan, and at a fairly high interest rate. I decided to pay off everything in one fell swoop, clarified the amount with the manager, and closed everything. Six months later, I decided to apply to another bank, but I received a refusal! I started to find out what was the reason, it turned out that my CI was damaged by HomeCredit Bank! I called, on the hotline they say that there is no debt, I sent a request, they sent an answer that there is no debt, but since there is one !!! the payment was made late 2 days I was blacklisted! Sent a letter to the main office, waiting for a response.

Paul |

I would like to know the continuation of your story. Something like this happened to me recently, only with a credit card. Wrote an application for closure, paid everything. And suddenly I receive SMS messages a month later that I owe the bank money for the service, I also wrote a request, when they didn’t answer.

Egor |

The bank appreciates this for its great loyalty, twice approved a loan for me in situations where other banks considered my official income to be insufficient. This is an important plus, but risking a little more than other banks, they insure more, so their percentage is higher than that of competitors. In any case, in comparison with the conditions of MFIs, their percentage has always completely suited me.

Valentine |

I first encountered a loan from Home in a hardware store a couple of months ago, which is convenient - they put their stand right there and the manager girl was sitting, she immediately submitted an application at my request, I didn’t have to wait long for approval, so they work quickly . I then took out a small loan for 120 thousand, took a bathroom, a toilet bowl, carpet and bathroom tiles, despite the fact that I had not been a bank client before, I was approved from 16.5 percent, in my opinion this is quite a profitable option. And everything is fair, without hidden fees. Now I pay off the loan ahead of schedule, they have no problems with this.

Nina |

I have the impression that we have 2 different Home Credit banks operating in parallel. You are talking about some kind of honest and decent with minimal interest and no hidden fees. I was served in another 3 years ago. I took a loan for a washing machine, the consultant told me so beautifully about the minimum interest, which I signed without reading. As a result, I paid 2.5 times more in a year! And all because you need to read. Yes, the percentage is small. But there is a fixed monthly fee for servicing the loan and the insurance is not very small.

Maria |

For the first time I applied to Home Credit Bank. As it turned out, it is easier to get a loan in this bank than in any other. It is very convenient that in this bank you can take a loan without collateral and guarantors, just one document is enough. I took 200,000 from this bank for 3 years, I was completely satisfied with the interest rate and the monthly payment on the loan. During the day I already received the money, I am very satisfied and I pay off the loan without any problems. This bank has long established itself, so I turned to an honest, reliable Home Bank Credit, this was one of the main conditions for me. There were no claims.

Lina| Answer

Victoria |

Yes, I agree with you, their percentage is high, but few banks provide such an opportunity to quickly get a loan for equipment, especially immediately at a point of sale. We can say that here Home-credit is practically a monopolist. They have everything in this niche of consumer loans, and electronics supermarkets work with them in one bundle.

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21.10.2019 17:26

Roman, are you really stupid? Home loan offered you a deal, and you cheated on him. Through the debit card "Polza" you can pay utility bills. For a payment for any amount, the payment is only 10 rubles and no interest on the payment amount to another bank. Cashback up to 10% in addition, for purchases in stores when paying by card. So, you're wrong, Roman. Home Credit Bank is one of the best banks in the world. I have been using the services of Home Credit Bank for about 10 years and have no complaints. In addition to positive emotions, this bank does not cause anything else for me. So, I recommend Home Credit Bank to everyone.

28.07.2019 12:18

We decided to put money on the 24 Months Plus deposit. Bank office in Rostov-on-Don, Selmash ave. When opening a deposit, an employee of the bank informed that an additional condition for this deposit was the mandatory opening of the “Benefit” card, otherwise% would be at a rate of 6.5 and not 8.3%. Moreover, I have to put 10,000 rubles on it, which must be on the card for at least 1 month, then I can withdraw them and close the card. This condition seemed strange. I ask where it is written, the answer is on the site. She said several times that I don’t need another card - I just want to open a deposit. The answer is - it is necessary, otherwise a different percentage. TC deposit processing started 20 minutes before the end of the working day, there was no time to carefully read the documents and the card was opened. The bank calls almost every day and asks when I will put money on the card. I read the agreement - in clause 4 “At the request of the Depositor, he MAY BE issued a bank card ....”. I wrote to the bank’s chat - they said - we don’t understand what it is about, it’s the issue of the “benefit” card and the deposit are not connected in any way. Those, in order to fulfill some indicators, the employee simply deceived us. We spent time issuing cards for deposits, clarifying the validity, correspondence, and we will spend more time closing unnecessary cards. Summary - next time we are unlikely to turn to this bank. Kind of disgusting.

05.10.2018 12:16

Good afternoon I want to leave a review about the good work of the employees of Home Credit and Finance Bank LLC, located at the address: Perm, Komsomolsky prospekt 71. I have been a client of this bank quite recently, but I want to note the friendly, attentive attitude of the employees. The team is very young, but very competent specialists! Always ready to answer any question in an accessible and intelligible way, to help in resolving the financial problem that has arisen! The team is led by Yulia Bychina. I express special gratitude to her and specialist Ekaterina Kolesnikova. I wish them further success in their work! Sincerely, Kurnev AM.

Location

Russia Moscow

Key Figures

Jiri Šmeits (Chairman of the Board of Directors), Ivan Svitek (Chairman of the Management Board)

Equity Net profit

▲ RUB 10.754 billion (2011)

Number of employees main society

Home Credit B.V.

Website

Home Credit and Finance Bank is a Russian commercial bank, one of the leaders in the Russian consumer lending market. The main office is in Moscow.

Story

The bank was founded in 1990 under the name "Innovative bank Technopolis". In 2002, a deal was made on the purchase of the Technopolis Innovation Bank by the Home Credit Group. On July 16 of the same year, the first loan under the Home Credit brand was issued in Russia. In the same year, the first representative office and the first outlet were opened.

In 2003, the bank entered into a partnership agreement with Eldorado and began its geographical expansion. In 2004, the bank issued its first credit card and made its first profit at the end of the year. Home Credit points of sale were opened in all federal districts of Russia, with the exception of the Far East. In 2005, the bank opened the first credit and cash office and issued the first cash loan.

In 2006, the bank focused on improving the underwriting and anti-fraud system, and also launched a mortgage lending program. In 2007, the bank became a leader in the credit card market, one of the first on the market held a 0-0-24 campaign. Home Credit began to move from a monoliner bank model to a universal retail bank. The car loan program was launched, the attraction of deposits from individuals and the issuance of debit cards began.

In 2008, the bank optimized its strategy, reacting flexibly to the crisis. The bank focused on cash and point-of-sale loans, phasing out mortgages and car loans. In 2009, the bank entered the salary projects market, develops a network of ATMs, offers SMS notification services and Internet banking to its customers. Home Credit becomes No. 1 in the POS lending market.

In 2010, the bank achieves a record profit under IFRS for the entire time of its existence - 9.4 billion rubles. Resumes the issuance of car loans and active regional expansion. In 2011, the bank continues to develop sales channels, expanding its presence in the regions, attracting agents and brokers to sell its products. As a result, at the end of the year, the volume of cash loans issued exceeded the volume of POS loans.

Owners and management

Chairman of the Board of Directors - Jiri Schmeits. Chairman of the Board - Ivan Svitek.

Activity

Home Credit Bank is actively working in the market of retail banking services. At the end of 2011, HCFB had 1,273 offices of various formats in Russia, and 58,000 points of sale.

According to the statements of HCF-Bank according to International Financial Accounting Standards (IFRS), in 2011 its net profit amounted to 10.75 billion rubles, having increased by 14.3% compared to 2010. The loan portfolio in 2011 amounted to 112.8 billion rubles. .

According to Frank Research Group, as of July 1, 2011, the bank occupied 27.6% of the lending market at the point of sale (1st place) . According to Tinkoff Credit Systems, Home Credit accounts for 3.8% of the credit card market (7th place).

At the end of 2011, the bank became the leader among private retail banks in terms of the absolute growth of the loan portfolio. As of December 31, 2011, HCFB's NPL ratio was 5.8%.

The Bank is rapidly increasing the share of deposits in the structure of attracted funds. According to the results of 2011, the growth of the volume of retail deposits at HCF-Bank amounted to 260%.

According to a study by the ROMIR holding, Home Credit Bank ranks 6th in terms of visibility among Russian banks.

Key Performance Indicators

Social politics

Kindergarten "Greenhouse"

In the office complex of the Obninsk representative office of Home Credit Bank, there is a kindergarten "Greenhouse" for the children of employees. This is one of the first kindergartens in Russia located in the office where parents work. The upbringing of children of different ages is carried out according to the Montessori system, which is based on an individual approach to each child, depending on his abilities and motivation.

Increasing financial literacy

Home Credit Bank is actively working to improve the financial literacy of the population. Implementing this program since 2008, the bank has been holding master classes for experts in regional cities, together with the association of regional banks Rossiya, issued a “Borrower's Memo”, and also held a competition among journalists for the best material that helps to improve the financial literacy of Russians.

"48 hours"

In the spring of 2011, Home Credit Bank was the first on the market to introduce the “48 hours” service, which allows borrowers to change their mind and refuse a loan within two days, paying interest only for the actual time of its use.

Charity

Since 2009, Home Credit Bank has been implementing the Blue Bird charity project. According to the bank, the goal of this project is to help talented and promising school graduates who are in difficult social and economic circumstances make the right choice - to enter a university and get a higher education. Demonstrating good and excellent academic results, program participants receive a scholarship throughout the entire period of study. In addition to paying scholarships, as a reward for academic success, the bank gives gifts, and also organizes various trainings and events.

Since September 2011, the program has been operating in 8 regions of Russia, including: Kaluga, Sverdlovsk, Volgograd, Murmansk, Leningrad regions, Altai Territory, the Republic of Karelia and Bashkortostan.

union

On December 9, 2009, the primary trade union organization (PPO) of the all-Russian trade union of office and managerial personnel, workers of creative and intellectual labor "TOGETHER" was established in the bank. After informing Ivan Svitek about the creation of a trade union, the chairman of the PPO and members of the trade union committee were given notices of reduction.

In response to Vedomosti's request regarding the created trade union, the bank's press service sent the following message to the editorial office:

“The Bank actively maintains an atmosphere of open communication with all its employees through constant direct communication within the company. This atmosphere not only motivates and orients our employees towards results, but also provides comfortable working conditions and develops its corporate culture. The process of communication with employees is permanent, is a key policy of the bank and does not depend on the presence or absence of trade unions.”

According to the chairman of the bank's PPO, the reaction of the bank's management to the creation of a trade union was aggressive:

“Since the bank has Czech roots, I assumed that the attitude towards the trade union movement should be rather European, democratic. But the reaction was aggressive. I was pressed for several hours in the security service as if I were being interrogated by the Gestapo. They called the people with whom I spoke. They said bluntly: there will be no trade union in the bank - they will find a reason to dismiss all members of the trade union.

Criticism

Rospotrebnadzor also filed claims against the bank on the inclusion in the loan agreement of a clause on contractual jurisdiction at the location of the bank in Moscow. Following the emerging judicial practice, in 2010 the conditions of contractual jurisdiction were also changed by the bank.

In May 2007, Oleg Shein, a member of the Just Russia faction, submitted a deputy's request to the Prosecutor General's Office and the FSB with a request to investigate the bank's activities for fraudulent activities. In his deputy's inquiry, Shein expressed concern that the victims of dubious, from his point of view, credit schemes, could become the poorest citizens, who constitute the main target audience of Home Credit Bank. Based on this request, a prosecutor's check was carried out, as well as checks by the antimonopoly service and the Bank of Russia. According to the results of inspections, no violations in the activities of the bank were revealed.

Bank positions in ratings

No. 1 in terms of return on assets - RIA "Analytics" .

RA "Expert":

№ 3 in terms of the volume of cash loans and POS loans issued;

№ 3 among the top 20 banks in terms of cash and POS lending portfolio;

№ 5 in the top thirty most retail banks;

№ 20 in the top thirty largest banks in terms of attracted deposits from individuals.

Magazine Kommersant - Money:

№ 32 among the largest banks in Russia in terms of net assets.

Notes

Help Banki.ru
Net profit of Home Credit Bank for 2011 increased by 14.3%
Net profit of Home Сredit & Finance Bank amounted to 407 million rubles in 2004 against a loss of 243 million rubles at the end of 2003
Lightweight mortgage from Home Credit
Credit card market growth slows down
HCF-Bank launched car loans
Home Credit Bank started accepting term deposits
Home Credit Bank entered the salary projects market
Home Credit launched an Internet bank
The leader has changed in the market of express lending in Russia
Net profit of Home Credit Bank for 2010 amounted to 9.4 billion rubles
Home Credit Bank plans a grand expansion of the regional network to 2,500 branches
Vasily Kudinov. “We can have 60 million clients in Russia,” Andrey Lykov, Chairman of the Board of Home Credit and Finance Bank // Vedomosti, No. 205 (1979), October 30, 2007
HKF Bank in 2011 increased profit under IFRS by 14.3%, loan portfolio - 1.5 times
HCF-Bank cashed out lending
Markets and ratings
TCS Bank: the Russian market of credit cards grew in 2011 by 61.6% to 367.8 billion rubles
Market leaders in consumer lending among private banks
Inflation: all-time lows do not eliminate risks
Civic funding

The bank was registered in Zelenograd under the name "Technopolis" in 1990. The founders were NPO "Zenit", the center of NTTM "Doka", the state farm "Zelenogradsky", the Trust of canteens of the city of Zelenograd, the PSMO "Zelenogradstroy", the scientific research institute "Elpa". The Russian Brokerage House and the Russian Oil Company also appeared among the participants of the bank. In March 2002, the bank was acquired by the Czech Home Credit Finance A.S., which is part of the Home Credit Group*. Immediately after the purchase, the bank was refocused on consumer lending, and in March 2003 it was officially renamed Home Credit and Finance Bank (abbreviated as HKF Bank LLC).

Today, the Russian bank is part of the PPF international group of companies, one of the largest financial companies in Central and Eastern Europe. Currently, 99.9919% of the bank's shares are owned by Home Credit B.V., 88.62% of whose shares are controlled by PPF Financial Holdings B.V. (Netherlands), and 11.38% by Emma Omega LTD. The main beneficiaries of these organizations and, accordingly, the Russian bank are the owner of PPF Group, one of the richest Czech businessmen Petr Kellner (with a share of 88.62%) and his business partner Jiri Šmeits (7.36%).

According to press reports, Schmeitz had previously given up his 5% stake in the PPF holding in exchange for minority stakes and participation in the capital of banks owned by the group.

On January 31, 2015, Ivan Svitek left the post of Chairman of the Board of the Bank, Yuriy Andresov was appointed Acting Chairman of the Board. He held this position until March 25, 2015, when the Central Bank of the Russian Federation approved his candidacy for the position of Chairman of the Board of HKF Bank LLC. Prior to that, Yuri Andresov was the Deputy Chairman of the Board of the bank, as well as the director of the Home Credit banking network.

The bank's head office is located in Moscow; as of January 1, 2019, the bank's regional network included 225 offices and 27 regional representative offices. The financial institution did not have operating branches on the indicated date. In the reporting for 2018, the bank explained that the branches were transformed into regional representative offices and settlement centers in order to optimize the structure of the financial institution. The total distribution network of Home Credit Bank, including a subsidiary bank in Kazakhstan, consisted of about 117 thousand points of sale in partner stores.

At the beginning of May 2014, it became known about the closure of about 200 bank offices (8% of the total network volume). The decision was due to a general slowdown in economic growth and the introduction of regulatory measures aimed at optimizing costs. The bank's headcount has also undergone a significant downsizing, with the bank cutting 30% of its staff between mid-2013 and 2015. The number of personnel at the beginning of January 2016 was 14,239 people (as of January 2015 - 28.9 thousand people; as of January 2014 - 32 thousand people). According to the latest available data, the average number of employees in 2017 was 13,389.

The priority activities of the financial institution are the provision of loans and a full range of financial services to individuals when buying consumer goods (directly at points of sale), the provision of loans using plastic cards and cash through a network of own offices, as well as through a partner network. The Bank also develops cooperation with corporate clients, mainly within the framework of consumer lending programs, as well as within the framework of payroll projects and deposit products. Among the corporate partners of the bank are the largest federal (Eldorado, CSN, Svyaznoy, M. Video, Euroset, Lazurit) and regional (Nord, Poisk, Domotekhnika) retail chains , as well as about 11 thousand individual stores throughout Russia. In recent years, special attention has been paid to the development of online services, which include the Internet and mobile banking, the My Credit mobile application, the infrastructure for providing loans using online technologies, etc. At the end of 2018, the number of active customers who opened a deposit in a bank, took out a loan or are holders of debit / credit cards, amounted to 3.5 million people.

From April 2018 to April 2019, the net assets of the credit institution remained almost unchanged in volume, amounting to 261.5 billion rubles. During the specified period, the liabilities included the repayment of liabilities of corporate clients (-46.0%), partially offset by funds raised in the interbank market (+177.6%). In assets, despite their insignificant dynamics over the period, very noticeable structural changes were observed. The bond portfolio (-84.3%), corporate loan portfolio (-38.3%) and highly liquid assets (-48.2%) decreased significantly. At the same time, the bank increased its portfolio of issued interbank loans (from zero to 11.4% of assets) and retail loan portfolio (+10.4%).

In the passive part, 67% are deposits of individuals, 5.8% - funds of enterprises and organizations, the share of attracted interbank loans is 1.3%, the rest of the liabilities are formed by equity. Capital adequacy in accordance with the H1.0 ratio was a comfortable 12.8% as of the reporting date (with the minimum value set at 8%). Over the past year, the bank has redeemed about 96% of subordinated liabilities (in the form of Eurobonds) included in capital according to the CBR methodology. At the reporting date, the amount of the remaining subordinated loans in equity was RUB 0.5 billion. Turnovers on customer accounts in recent months amounted to about 69-76 billion rubles and were largely formed by the payment activity of individuals.

Assets are dominated by the loan portfolio, which accounts for 97% of net assets. As part of the portfolio, 95% are loans provided to private clients, the rest are loans to enterprises and organizations. The share of overdue portfolio has not changed over the past year, amounting to 3.8% under RAS, the level of provisioning for the portfolio also remained at the same level - 6.8%. The Bank periodically conducts transactions for the sale of overdue loans with a delay of more than a year to collection agencies, counterparties for the purchase are selected through a tender.

The securities portfolio occupies 2.9% of assets and is fully represented by bonds. At the reporting date, approximately two-thirds of securities were Russian government bonds, and another third were Eurobonds. Trading turnovers and REPO transactions in the portfolio are small and volatile.

The share of issued interbank loans in assets is 11.4%, another 1.9% is accounted for by highly liquid assets (balances on hand and on a correspondent account with the Central Bank). In the interbank lending market, the bank is active in both directions, lending turnover in the last months of the reporting period amounted to 20-140 billion rubles, to attract liquidity - 24-106 billion rubles.

At the end of 2018, the bank earned a net profit of 9.8 billion rubles, which was less than the result of 2017 (11.9 billion rubles). For the first quarter of 2019, the financial institution received 4.7 billion rubles of net profit.

Board of Directors: Jiri Shmeits (Chairman), Irina Kolikova, Galina Weisband, Julius Tai.

Governing body: Yuri Andresov (chairman), Sergey Shcherbakov, Martin Shaffer, Artem Aleshkin, Alexander Antonenko, Olga Egorova.

* Home Credit Group specializes in the development of consumer lending in European countries and is one of the leaders in this segment of the banking services market. Home Credit Group is part of the PPF international investment group of companies engaged in investment, banking and insurance business. The main owner (98.93% of voting shares) is one of the richest Czech businessmen Petr Kellner (with a capital of 16 billion US dollars, he is ranked 73rd in the world list of billionaires (2019) according to Forbes).

The territory of presence of the PPF group covers such countries as the Czech Republic, Russia, Slovakia, Poland, Hungary, Slovenia, Bulgaria, Croatia, Serbia, Montenegro, the Netherlands, Germany, Great Britain, Finland, Kazakhstan, China, Vietnam, Philippines, India, Indonesia, Romania , USA. The assets of the PPF group are concentrated in such industries as banking and finance (Home Credit, PPF banka and Air Bank), telecommunications (CETIN, O2,PPF Arena 1 B. V.), biotechnology (SOTIO and a number of others), real estate and development (PPF Real Estate Holding), insurance (PPF Life Insurance, Russia), agriculture (PAB Agro, Russia), as well as a number of other projects in countries of presence. The total amount of assets managed by the PPF group reaches 38 billion euros (according to the group's data as of June 30, 2018). The number of employees in the companies of the group by December 30, 2017 was 170 thousand people.

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