Home Credit Bank - loan and deposit calculators, history, addresses of branches and ATMs. Home Credit and Finance BankHome Credit and Finance BankHKF Bank HKF bank credit

Russia Moscow

Jiri Šmejc (Chairman of the Board of Directors), Ivan Svitek (Chairman of the Board)

▲ RUB 10.754 billion (2011)

Home Credit B.V.

Home Credit and Finance Bank- 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 “Innovation Bank Technopolis”. In 2002, a deal was made to purchase Technopolis Innovation Bank by 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 retail outlet were opened.

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

In 2006, the bank focused on improving its underwriting and anti-fraud systems, and also launched a mortgage lending program. In 2007, the bank became a leader in the credit card market, and was one of the first on the market to conduct the 0-0-24 promotion. Home Credit began to move from a monoliner bank model to a universal retail bank. A car loan program was launched, attracting deposits from individuals and issuing debit cards began.

In 2008, the bank optimized its strategy, responding flexibly to the crisis. The bank focused on cash loans and point-of-sale loans, curtailing mortgages and auto loans. In 2009, the bank entered the payroll projects market, is developing a network of ATMs, and offers clients SMS notification services and Internet banking. Home Credit becomes No. 1 in the point-of-sale lending market.

In 2010, the bank achieved a record profit under IFRS for its entire existence - 9.4 billion rubles. Resumes issuing 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 is Jiri Šmejc. Chairman of the Board - Ivan Svitek.

Activity

Home Credit Bank is active in the retail banking services market. At the end of 2011, HKFB in Russia had 1,273 offices of various formats and 58 thousand points of sale.

According to the reporting of HCF Bank according to international financial accounting standards (IFRS), in 2011 its net profit amounted to 10.75 billion rubles, an increase of 14.3% compared to 2010. The loan portfolio at the end of 2011 amounted to 112.8 billion rubles. .

According to Frank Research Group, as of July 1, 2011, the bank occupied 27.6% of the point-of-sale lending market (1st place). According to Tinkoff Credit Systems Bank, 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 absolute growth in the loan portfolio. As of December 31, 2011, the share of overdue loans at HCFB was 5.8%.

The bank is rapidly increasing the share of deposits in the structure of attracted funds. At the end of 2011, the growth in the volume of retail deposits at HKF Bank amounted to 260%.

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

Key performance indicators

Social politics

Kindergarten "Orangereya"

In the office complex of the Obninsk representative office of Home Credit Bank there is a kindergarten “Orangereya” for the children of employees. This is one of the first kindergartens in Russia located in the office where parents work. Education 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 capabilities and motivation.

Improving financial literacy

Home Credit Bank is actively working to improve the financial literacy of the population. Implementing this program since 2008, the bank conducts master classes with experts in regional cities, together with the association of regional banks “Russia” it issued a “Borrower’s Guide”, and also held a competition among journalists for the best material that helps 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 cancel the 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 in difficult social and economic circumstances make the right choice - to enroll in a university and receive a higher education. By demonstrating good and excellent academic performance, program participants receive a scholarship throughout the entire period of study. In addition to paying scholarships, the bank gives gifts and also organizes various trainings and events to encourage academic success.

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.

Trade union

On December 9, 2009, the bank created a primary trade union organization (PTU) of the all-Russian trade union of office and managerial personnel, creative and intellectual workers “TOGETHER”. After Ivan Svitek was notified of the creation of the trade union, the chairman of the PPO and members of the trade union committee were given notices of layoffs.

In response to a request from Vedomosti regarding the created trade union, the bank’s press service sent the following message to the editor:

“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 focuses our employees on results, but also provides comfortable working conditions and develops its corporate culture. The process of communication with employees is permanent, is key to the bank’s policy and does not depend on the presence or absence of trade unions.”

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

“Since the bank has Czech roots, I assumed that the attitude towards the trade union movement should be rather European and democratic. But the reaction was aggressive. I was pressed for several hours by the security service, as if I were being interrogated by the Gestapo. They called people with whom I communicated. They said straight out: there won’t be any trade union in the bank - they will find a reason to fire all union members.”

Criticism

Rospotrebnadzor also filed claims against the bank for the inclusion in the loan agreement of a condition regarding contractual jurisdiction at the bank's location in Moscow. Following the emerging judicial practice, in 2010 the terms of contractual jurisdiction were also changed by the bank.

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

Bank positions in ratings

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

RA "Expert":

№ 3 by volume of issued cash loans and POS lending;

№ 3 among the top 20 banks by volume of cash loan portfolio and POS lending;

№ 5 in the top thirty retail banks;

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

Kommersant Magazine - Money:

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

Notes

1. Help Banki.ru
2. Home Credit Bank's net profit for 2011 increased by 14.3%
3. The net profit of Home Сredit & Finance Bank at the end of 2004 amounted to 407 million rubles against a loss of 243 million rubles at the end of 2003
4. Easy mortgage from Home Credit
5. Credit card market growth has slowed
6. HKF Bank launched car loans
7. Home Credit Bank began accepting time deposits
8. Home Credit Bank entered the salary projects market
9. Home Credit launched an online bank
10. The leader has changed in the Russian express lending market
11. Home Credit Bank's net profit for 2010 amounted to 9.4 billion rubles
12. Home Credit Bank plans a grand expansion of its regional network to 2,500 branches
13. Vasily Kudinov. “In Russia we may have 60 million clients,” Andrey Lykov, Chairman of the Board of Home Credit and Finance Bank // Vedomosti, No. 205 (1979), October 30, 2007
14. In 2011, HCF Bank increased its profit according to IFRS by 14.3%, its loan portfolio by 1.5 times
15. HKF Bank cashed out loans
16. Markets and ratings
17. TKS Bank: the Russian credit card market grew in 2011 by 61.6% to 367.8 billion rubles
18. Leaders in the consumer lending market among private banks
19. Inflation: historical lows do not cancel risks
20. Civic funding

Home Credit and Finance Bank LLC is one of the leaders in consumer lending in Russia, with a developed network of offices, points of sale and a solid network of ATMs. The bank's priorities include retail lending, mortgages, and deposits of individuals and legal entities.

Home Credit and Finance Bank LLC is a commercial bank in Russia, one of the leaders in consumer lending. It is a subsidiary of Home Credit Group and develops its activities in the direction of universal retail business. The bank's head office is located in Moscow. The Chairman of the Board of Directors is Jiri Šmejc. The chairman of the board is occupied by Ivan Svitek.

Bank history

Information about the bank first appeared in 1990, when it was called Technopolis Innovation Bank. 12 years later, the bank was acquired by the Home Credit Group. At the same time, the first loan was issued under the new Home Credit brand in Russia. In 2002, the bank's first representative office was opened in the country.

A year later, the bank entered into a partnership agreement with the Eldorado company, and already in 2004 it issued its first credit card. During this period, the bank's sales points were opened in all districts of Russia, except the Far East. Another year passed, and Home Credit Bank announced the opening of the first credit and cash office.

2006 was marked by the development of the anti-fraud program and the launch of mortgage lending. 2007 brought the bank leadership among credit card issuers. The bank's management decided to move to the model of a universal retail bank. A car loan program was launched, the issuance of debit cards and the opening of deposits for individuals.

The 2008 crisis prompted the bank's management to optimize its strategy: an emphasis was placed on consumer lending and cash loans. By 2009, Home Credit Bank managed to enter the payroll projects market. In this regard, a network of ATMs, Internet and SMS banking was developed. This year has brought the bank to a leading position in the point-of-sale lending market.

In 2010, Home Credit Bank resumed its car loan program, which had been frozen during the crisis. By mid-2012, the bank's management announced the choice of the bank's strategy as "FinMag". By the end of the year, Home Credit took third place in the ranking of banks engaged in lending to individuals, and also entered the top ten largest financial institutions in terms of deposit portfolio volume.

Market position

As of March 31, 2014, the bank ranks first in terms of the size of its POS loan portfolio and third in terms of the size of its loan portfolio relative to individual borrowers. The bank holds the sixth position in the portfolio of credit cards and time deposits of individuals.

Bank today

Home Credit Bank currently employs almost 28 thousand people. Its customer base is 29.7 million people. The bank's distribution network in Russia and Kazakhstan is represented by 1,312 banking offices and 8,814 light format offices. The bank has 1,446 ATMs on its balance sheet. The retail network has more than 92 thousand points of sale.

Today the bank is active in the retail banking services market. Home Credit Bank offers cash loans, credit cards, as well as deposits in national and foreign currencies. Among the bank's most popular products:

• Salary projects;
• Individual bank safes;
• Affiliate program;
• Packages of services for loans and deposits for individuals;
• Mortgage credit lending.

The bank actively promotes various discount programs for cardholders, develops a system of remote customer service and offers them insurance services. The bank offers various cash loan programs for periods ranging from two to five years. The client has the opportunity to receive a loan of up to 30,000 rubles within one hour. To receive a larger amount it will take about five business days.

The strategic development of the bank involves its universalization without losing its position in the retail lending market. At the end of 2013, the bank's net profit amounted to 7.83 billion rubles according to RAS. In the first quarter of 2014, the bank's profit was 610.7 million rubles.

Shareholders

The shareholders of Home Credit Bank today are the majority Home Credit B.V. (86.62%) and the minority Emma Omega LTD (13.37%). According to official information, the owners of the bank are Peter Kellner and Jiri Šmejc.

Financial indicators

The bank's assets today amount to 342 billion rubles - over the past year they increased by 11% due to deposits from individuals. The net loan portfolio amounted to 267.3 billion rubles. The bank's financial result is 3.3 billion rubles, its equity capital is 51.7 billion rubles, and the level of overdue debt does not exceed 13.8%.

Bank to clients

The bank offers consumer loans and cash loans on various terms. You can apply for a loan on the bank's website. Home Credit Bank's credit services include refinancing. Bank clients have the opportunity to obtain credit and debit cards from international payment systems. The credit institution also accepts deposits from the public in rubles and foreign currency.

The bank offers participation in an affiliate program, which provides an opportunity for both the bank and the client to earn money. Individual safes are also included in the list of banking services, as is the management of salary projects.

Home Credit Bank clients have the option of remote banking services. They can use insurance services or take part in promotions among cardholders. One of the institution's priorities is lending to legal entities.

The Bank takes an active position in the interbank lending market in national and foreign currencies.

The bank was registered in Zelenograd under the name Technopolis in 1990. The founders were the NPO Zenit, the scientific and technological innovation center Doka, the Zelenogradsky state farm, the Zelenograd canteen trust, PSMO Zelenogradstroy, and the Elpa research institute. The bank's participants also included the Russian Brokerage House and the Russian Oil Company. 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 HCF Bank LLC).

Today, the Russian bank is part of the international group of companies PPF - 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 the shares of which 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 Šmejc (7.36%).

According to press reports, Schmeitz previously ceded 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 bank’s board, and Yuri 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 HCF Bank LLC. Prior to this, Yuri Andresov was deputy chairman of the bank’s board, as well as 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 any operating branches as of this date. In its 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 its subsidiary bank in Kazakhstan, totaled about 117 thousand points of sale in partner stores.

At the beginning of May 2014, it became known that about 200 bank offices were closing (8% of the total network volume). The decision was due to the general slowdown in economic growth and the introduction of regulatory measures aimed at optimizing costs. The bank's headcount has also undergone a significant reduction: between mid-2013 and 2015, the bank cut 30% of its staff. 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 areas of activity of the financial institution are providing loans and a full range of financial services to individuals when purchasing consumer goods (directly at points of sale), providing loans using plastic cards and cash through a network of its own offices, as well as through a partner network. The Bank is also developing cooperation with corporate clients, mainly within the framework of consumer lending programs, as well as within the framework of salary projects and deposit products. Among the bank's corporate partners are the largest federal (Eldorado, DNS, 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, infrastructure for providing loans using online technologies, etc. At the end of 2018, the number of active clients 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 showed repayment of obligations of corporate clients (-46.0%), partially compensated by funds raised on 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% are funds of enterprises and organizations, the share of attracted interbank loans is 1.3%, the remaining part of liabilities is formed by equity capital. Capital adequacy in accordance with the N1.0 standard was a comfortable 12.8% at the reporting date (with a minimum established value of 8%). Over the past year, the bank has repaid about 96% of subordinated liabilities (in the form of Eurobonds) included in capital according to the Central Bank's methodology. As of the reporting date, the volume of remaining subordinated loans in capital amounted to 0.5 billion rubles. Turnovers on customer accounts in recent months amounted to about 69-76 billion rubles and were largely formed by the payment activity of individuals.

The asset portfolio is dominated by the loan portfolio, which accounts for 97% of net assets. The portfolio consists of 95% of loans provided to private clients, the rest - loans to enterprises and organizations. The share of delinquencies in the portfolio over the past year has not changed, amounting to 3.8% according to RAS, the level of provisioning in the portfolio also remained at the same level - 6.8%. The Bank periodically conducts transactions for the sale of overdue loans overdue for over a year to collection agencies; counterparties for purchase are selected through a tender.

The securities portfolio accounts for 2.9% of assets and is entirely represented by bonds. As of the reporting date, approximately two-thirds of the securities were Russian government bonds, and another third were Eurobonds. Trading volumes and repos 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 in cash and correspondent accounts 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, and in attracting 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). In the first quarter of 2019, the financial institution received 4.7 billion rubles in net profit.

Board of Directors: Jiri Šmejc (chairman), Irina Kolikova, Galina Vaisband, 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 international investment group of companies PRF, 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, he ranks 73rd on the world list of billionaires (2019) according to Forbes).

The territory of presence of the PPF group covers countries such 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 banks 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 volume of assets under management of the PPF group reaches 38 billion euros (according to group data as of June 30, 2018). The number of employees in the group companies by December 30, 2017 was 170 thousand people.

On June 9, 2019, it became known about a data leak of 900 thousand clients of Russian banks. Passport data, telephone numbers, places of residence and work of citizens of the Russian Federation were made publicly available.

2018: The first loan in Russia with remote identification

In mid-July 2018, Home Credit Bank announced the issuance of the first loan in Russia using remote identification. Russians have the opportunity to remotely use banking products and services after the launch of a unified biometric system.

At the first stage, Home Credit issues online loans for the purchase of goods using completely remote client identification. In the future, the bank plans to design most of its other products in the same way.

It is noted that online identification of the first client took less than a minute. After this, he was able to remotely sign an agreement to receive a POS loan and purchase a vacuum cleaner in the online store of Home Credit Bank’s partner, the Russian representative office of Samsung.

In order not to undergo face-to-face identification at banks, clients need to provide their biometric data (voice and facial image) once, which will be stored in a single system. Rostelecom provides collection, processing and storage of biometric data, as well as verification of their compliance with the initially submitted biometric samples. The results of the verification are transmitted to banks for remote identification of citizens when opening accounts.

After registering in a unified biometric system, a citizen will be able to remotely receive the services of any bank working with the system. The client just needs to enter the login/password for the Unified Identification and Autonomous Identification and say a short passphrase generated by the system while looking into the camera of a smartphone or computer.

By July 17, 2018, Home Credit accepts biometric information from clients in its offices in Moscow, St. Petersburg, Nizhny Novgorod, Yekaterinburg and Kazan. In a short time, it is planned to increase the number of such branches to 80, and by the end of 2019 it will be possible to take biometrics in all branches of the bank, his message says.

2017

The volume of loans issued through POS online exceeded 1 billion rubles

The volume of loans issued for goods through POS-online technology at Home Credit Bank exceeded 1 billion rubles, which amounted to 3.5% of the total volume of POS loans issued by the bank. About 80% of online loans were issued without a down payment and overpayment, Home Credit reported on October 19, 2017.

Most often, household appliances and mobile devices (smartphones and tablets) were taken out on credit, with audio and video equipment in third place. The most popular household appliances are washing machines, refrigerators, microwave ovens and stoves. And among video and audio equipment, most of the loans were taken for televisions.

POS-online is a technology developed by Home Credit Bank for processing loans using a simplified application via the Internet. The first POS online loans were issued in the Eldorado online store in the summer of 2016. As of October 2017, the bank's main partners in this project include Eldorado, M.Video, DNS and other large online stores.

When applying for a loan through POS online, in most cases the client only needs to fill out 5 fields. It takes the bank 40 seconds to fully evaluate a short application. Basic clients can sign an agreement via SMS and receive a loan completely remotely.

Home Credit is a Russian commercial bank that is one of the leaders in the domestic consumer lending market. Also, Home Credit Bank firmly takes its place in the top 5 Russian banks in terms of loans, time deposits of the population and the size of the branch network.

Bank history

The history of Home Credit Bank begins with the founding of the Technolopolis Innovation Bank in 1990, which was acquired by the Home Credit Group in 2002. In the same year, the bank’s first representative office was opened in Nizhny Novgorod, the first retail outlet was opened, and the first loan was issued under the Home Credit brand in our country.

In 2003, Home Credit Bank issued the first trade loan, and also created the first federal trading network in partnership with Tekhnosila and began collaborating with Eldorado. In the same year, Home Credit in Russia began geographic expansion. 2004 became a very important year in the history of the bank’s development - Home Credit issued the first credit card, joined MasterCard, entered into a contract with Russian Post, placed sales points in all federal districts (except the Far East), received its first profit, and became one of the leaders in the Russian POS loan market and received the first ratings from Moody's and S&P.

In subsequent years, Home Credit Bank continued its active development. Thus, in 2005, the first cash loan was issued and the country’s first deal to securitize ruble loans was concluded. The year 2006 for Home Credit was marked by its entry into the mortgage market and the introduction of an anti-fraud system. The following year, the bank issued its first car loan and became a leader in the credit card market.

In 2008, Home Credit Bank stopped providing mortgages and car loans, and used the ensuing crisis as an opportunity for further development; also this year the bank began attracting deposits. The following year, Home Credit actively moved to retail lending, began to engage in salary projects, develop a network of ATMs, and launched Internet banking and SMS banking. In 2010, activities in the area of ​​car loans were resumed, and in 2012, a new simple line of products was developed.

Home Credit Bank services

Today, Home Credit Bank offers the following types of services: loans (cash loans, Internet banking loans, car loans); cards (credit and debit); deposits (in rubles and foreign currency); salary project; individual bank safes; insurance; remote banking services; settlement and cash services; depository operations; open market operations; lending to legal entities.

Awards, branch network, HomeCredit sales points

The high quality of work, reliability and stability of Home Credit Bank is confirmed by various awards, including the Silver Award of the BRAND OF THE YEAR/EFFIE-2012 award. The bank's clients are already more than 27 million people who are served by Home Credit Bank's distribution network of 960 bank offices, 6,920 micro-offices, 1,276 ATMs and more than 73 thousand points of sale.