207:
1466:
257:). Home Credit is also presented online in its own mobile application or in a third-party online stores. In selected markets you can pay with a „HC Pay“, a QR code-based revolving credit or with Home Credit credit or shopping cards. Home Credit finances both the purchase of consumer goods through a cash-less loan transaction or other commodities, such as language courses, travel etc. through a cash loans. The loans are always issued in domestic currency of the market in which the brand operates.
333:
renaming of Moneta Bank to Air Bank. The criticism was strengthened also because of Moneta Chief
Executive Tomas Spurny being historically connected to Home Credit Group majority shareholder PPF Group. In February 2019, Moneta based on feedback from its shareholders revised offer with lower valuation. In October 2019, Home Credit India has tied up with The Karur Vysya Bank Ltd, a commercial bank having its head office at Karur, Tamil Nadu, India for joint lending.
36:
1452:
391:
Home Credit
Vietnam was founded in 2008. Over the past 15 years, Home Credit has expanded its network throughout the country, serving over 15 million customers. According to the 2022 financial report, Home Credit Vietnam's revenue reached VND 1,189 trillion, nearly double that of 2021. ROE reached
382:
Home Credit
Philippines is a consumer finance provider that offers various financial solutions and products aimed at enabling customers to afford the things they need and want through simple and convenient processes. The company operates in the Philippines as a subsidiary of Home Credit Group, a
332:
In 2018 Home Credit Group initiated sale of its Czech operation consisting of Home Credit Czech and Slovak and Air Bank to Moneta Money Bank. The deal was criticized as one-sided deal that gives Home Credit's subsidiaries unusually high valuation with unusual terms of the deal that would lead to
392:
18.64%, a significant increase from 10.6% in 2021. However, the 30-day payment capacity ratio in USD was negative 960.25%, while the legal requirement for this ratio is at least 5%. The short-term capital to medium-long term loan ratio increased from negative 7.03% at the end of 2021 to 14.29%.
373:
In 2019, it was uncovered that Home Credit paid public relations company to influence public opinion in the Czech
Republic about China. Home Credit did hire an agency called C&B Reputation Management, which did marketing for Home Credit. It was also supposed to improve the Czech view of the
348:
Home Credit entered China in 2007 and applied for a pilot consumer finance license in 2010. Home Credit was asked by
Chinese officials to help improve relationship between China and the Czech Republic in order to receive full license. Since 2010, Home Credit's parent company PPF helped swing
1299:
230:. The company operates in 9 countries and focuses on installment lending primarily to people with little or no credit history. As of 30 June 2020 the Group has cumulatively served over 135.4 million customers. Major shareholder of the Group is
328:
In 2017 PAG initiated investment of 2 billion RMB into Home Credit Group's
Chinese business entity as an interest-bearing convertible loan. The deal was subsequently terminated in 2018 by PAG and Home Credit Group repaid the loan with interest.
609:
241:
The Home Credit loan can be obtained from throughout 342.7 thousands partnering retail shops and shopping malls in ten world markets as well as at the Home Credit's own online marketplaces (
357:
to China and subsequently helped pay for private plane for the return trip. The company in 2014 also received nation-wide license for consumer finance lending. In 2016, the company CEO
505:
479:
Cienski, Jan (6 June 2007). "The man who caught a rising tide Petr
Kellner has become central Europe's richest man by offering loans to a middle class on the point of prosperity".
340:, however it was scrapped after investors estimated the value between 5 and 7.5 billion euros, whereas shareholders were targeting market capitalization of 10 billion euros.
796:
1422:
1509:
1504:
1225:
972:
317:. In 2010 the company was the first foreign company to set up as a consumer finance lender in China. In 2015 Home Credit Group launched its operations in the
1321:
358:
740:
771:"Regulace hypoték nebyla nutná, trh se dá korigovat i bez toho. Počet nových úvěrů kvůli tomu klesne až o čtvrtinu, říká šéf České spořitelny Salomon"
1396:
1002:
1092:
870:
1346:
634:
446:
1119:
1199:
427:
1172:
1146:
1056:
947:
921:
1514:
493:
664:
365:. Home Credit funded a newly formed think tank, Sinoskop, to counter a longer-established China-watching body, Sinopsis.
980:
362:
270:
112:
770:
714:
219:
747:
843:
690:"Home Credit B.V.: Home Credit Group and PAG sign Strategic Partnership Agreement for cooperation in China"
20:
1273:
1010:
506:"Home Credit Group B.V.: Annual accounts for the year ended 31 December 2019 and Compliance Certificate"
689:
318:
580:
265:
In 1997, Home Credit a.s. was founded in the Czech
Republic and in 1999, the company expanded to
530:
642:
610:"Home Credit has grown to become one of the largest consumer durables loan providers in India"
454:
1471:
383:
global consumer finance company with a presence in multiple countries established in 2013.
1322:"Vào tầm ngắm nhà băng lớn thứ hai Thái Lan, Home Credit Việt Nam đang kinh doanh ra sao?"
1300:"Vào tầm ngắm nhà băng lớn thứ hai Thái Lan, Home Credit Việt Nam đang kinh doanh ra sao?"
234:, a privately held international investment group whose founder and major beneficiary was
8:
206:
555:
1519:
322:
1397:"Home Credit lọt Top 100 doanh nghiệp bền vững Việt Nam nhờ chiến lược ESG toàn diện"
1093:"Kellnerův Home Credit platil kampaň na podporu rudé Číny. Využil experty i novináře"
1064:
821:
349:
anti-communist international relations sentiment towards strong China ally. In 2014,
1457:
1226:"Saigon Times CSR 2023 vinh danh Home Credit Việt Nam là Doanh nghiệp vì cộng đồng"
151:
797:"Na spojení Monety, Home Creditu a Air Bank by vydělali především Kellner a Šmejc"
585:
1173:"Vừa bị công an phong tỏa trụ sở, Home Credit do ai làm chủ, kinh doanh ra sao?"
223:
96:
92:
1033:
354:
1498:
1068:
350:
325:. The group offers loans in 434,232 retail stores and also in digital space.
231:
168:
104:
895:
1147:"Home Credit Việt Nam - Hành trình 12 năm gắn bó với hàng triệu khách hàng"
235:
174:
973:"LN: Zeman consults about foreign trips with billionaire | Prague Monitor"
407:
1247:
1057:"China accused of buying influence after Czech billionaire funds PR push"
310:
250:
227:
80:
922:"Lost in translation: 'Economic diplomacy' with Chinese characteristics"
844:"Czech lender MONETA lowers bid for Air Bank after shareholder feedback"
665:"PAG picks minority stake in Home Credit China operations for $ 296.5m"
278:
127:
44:
337:
306:
76:
741:"UPDATE 2-Moneta gains scale to take on foreign rivals in Czech..."
289:. As of 2007 the company was the second largest consumer lender in
266:
35:
1423:"Công cụ đầu tư - Toàn diện nền kinh tế, mọi góc độ doanh nghiệp"
1347:"Tổng nợ phải trả của HomeCredit cao gấp 2,77 lần vốn chủ sở hữu"
1248:"Home Credit có tổng tài sản hơn 1 tỷ USD, nợ phải trả chiếm 73%"
314:
286:
282:
254:
1373:
1120:"Home Credit Việt Nam kỉ niệm 12 năm đồng hành cùng người Việt"
290:
274:
242:
494:
Financial Times: PPF to float Home Credit to fund EM expansion
200:
1489:
1481:
302:
298:
246:
139:
871:"Czech Tycoon's Company Cancels $ 1.5 Billion Hong Kong IPO"
294:
118:
100:
1200:"M&A công ty tài chính bất ngờ sôi động giữa tâm bão"
1447:
361:
claimed to be proud of the impact on the revival of
1510:Financial services companies of the Czech Republic
627:
1031:
1505:Financial services companies established in 1997
1496:
715:"PAG terminates Home Credit investment | AVCJ"
920:Hála, Martin; Lulu, Jichang (11 March 2019).
1035:Jiri Smejc speech at a Prague business forum
948:"The Czech Republic's Foreign Policy U-Turn"
353:helped arrange visit of the Czech president
1394:
1488:Home Credit Philippines Official Website:
1198:chính, Thị trường Tài (10 November 2023).
581:"China allows first foreign loan provider"
377:
336:In 2019, the company was preparing IPO in
205:
34:
822:"Bankéř Spurny rozšiřuje Kellnerovy řady"
1274:"Trái chiều lợi nhuận công ty tài chính"
1003:"Home Credit Vietnam and China acquired"
919:
269:. In 2000s company started to expand to
478:
16:International consumer finance provider
1497:
386:
1197:
1144:
1087:
1085:
768:
607:
601:
441:
439:
437:
435:
1371:
1054:
474:
472:
428:Home Credit Group Annual Report 2015
423:
421:
419:
417:
415:
343:
1032:Home Credit Group (22 April 2016),
608:Menon, Shailesh (24 January 2019).
13:
1082:
432:
271:Commonwealth of Independent States
14:
1531:
1443:
1228:(in Vietnamese). 10 November 2023
945:
469:
412:
58:Consumer loans and Personal loans
1464:
1450:
868:
769:Miler, Marek (5 November 2018).
746:. 8 October 2018. Archived from
1415:
1395:hanoimoi.vn (8 December 2022).
1388:
1365:
1353:(in Vietnamese). 29 August 2023
1339:
1314:
1292:
1266:
1254:(in Vietnamese). 28 August 2023
1240:
1218:
1191:
1165:
1138:
1111:
1055:Tait, Robert (5 January 2020).
1048:
1025:
995:
965:
939:
913:
888:
862:
836:
814:
789:
762:
733:
707:
682:
657:
293:. In 2010s company expanded to
1117:
573:
548:
523:
498:
487:
401:
220:non-bank financial institution
1:
1372:Trần, Lành (6 January 2023).
1302:(in Vietnamese). 5 April 2023
1280:(in Vietnamese). 5 April 2023
1145:admin, beta (28 April 2020).
395:
1515:Companies based in Amsterdam
1099:(in Czech). 10 December 2019
368:
21:Home credit (disambiguation)
7:
321:through a partnership with
10:
1536:
1490:https://www.homecredit.ph/
374:Chinese communist regime.
260:
68:1999 (as Home Credit B.V.)
66:1997 (as Home Credit a.s.)
18:
1351:Báo điện tử Thương Trường
531:"Our Corporate Structure"
194:
184:
161:
149:
137:
125:
110:
86:
72:
62:
54:
42:
33:
824:(in Czech). 12 July 2007
319:United States of America
1151:Tạp chí Kinh tế Sài Gòn
378:Home Credit Philippines
363:Czech-Chinese relations
222:founded in 1997 in the
145:€ 26.590 billion (2019)
1118:Đô, Báo Tuổi Trẻ Thủ.
157:€ 2.873 billion (2019)
1472:Czech Republic portal
408:Home Credit: About us
226:and headquartered in
1204:Thị trường Tài chính
635:"Key financial data"
447:"Key financial data"
218:is an international
133:€ 400 million (2019)
121:4.249 billion (2019)
19:For other uses, see
1124:Báo Tuổi Trẻ Thủ Đô
983:on 16 February 2020
750:on 23 February 2019
387:Home Credit Vietnam
238:with 88.62% stake.
186:Number of employees
30:
850:. 21 February 2019
775:Hospodářské noviny
721:. 7 September 2018
614:The Economic Times
589:. 10 November 2010
560:www.homecredit.net
535:www.homecredit.net
323:Sprint Corporation
28:
977:praguemonitor.com
344:Home Credit China
213:
212:
50:Home Credit Group
1527:
1485:
1484:
1482:Official website
1474:
1469:
1468:
1467:
1460:
1458:Companies portal
1455:
1454:
1453:
1438:
1437:
1435:
1433:
1427:data.vdsc.com.vn
1419:
1413:
1412:
1410:
1408:
1392:
1386:
1385:
1383:
1381:
1369:
1363:
1362:
1360:
1358:
1343:
1337:
1336:
1334:
1332:
1318:
1312:
1311:
1309:
1307:
1296:
1290:
1289:
1287:
1285:
1270:
1264:
1263:
1261:
1259:
1244:
1238:
1237:
1235:
1233:
1222:
1216:
1215:
1213:
1211:
1195:
1189:
1188:
1186:
1184:
1169:
1163:
1162:
1160:
1158:
1142:
1136:
1135:
1133:
1131:
1115:
1109:
1108:
1106:
1104:
1089:
1080:
1079:
1077:
1075:
1052:
1046:
1045:
1044:
1042:
1029:
1023:
1022:
1020:
1018:
1009:. Archived from
999:
993:
992:
990:
988:
979:. Archived from
969:
963:
962:
960:
958:
946:Flows, Capital.
943:
937:
936:
934:
932:
917:
911:
910:
908:
906:
892:
886:
885:
883:
881:
866:
860:
859:
857:
855:
840:
834:
833:
831:
829:
818:
812:
811:
809:
807:
793:
787:
786:
784:
782:
766:
760:
759:
757:
755:
737:
731:
730:
728:
726:
711:
705:
704:
702:
700:
686:
680:
679:
677:
675:
661:
655:
654:
652:
650:
641:. Archived from
631:
625:
624:
622:
620:
605:
599:
598:
596:
594:
577:
571:
570:
568:
566:
552:
546:
545:
543:
541:
527:
521:
520:
518:
516:
502:
496:
491:
485:
484:
476:
467:
466:
464:
462:
453:. Archived from
443:
430:
425:
410:
405:
216:Home Credit B.V.
209:
204:
203:
154:
142:
113:Operating income
38:
31:
29:Home Credit B.V.
27:
1535:
1534:
1530:
1529:
1528:
1526:
1525:
1524:
1495:
1494:
1480:
1479:
1470:
1465:
1463:
1456:
1451:
1449:
1446:
1441:
1431:
1429:
1421:
1420:
1416:
1406:
1404:
1403:(in Vietnamese)
1393:
1389:
1379:
1377:
1376:(in Vietnamese)
1370:
1366:
1356:
1354:
1345:
1344:
1340:
1330:
1328:
1320:
1319:
1315:
1305:
1303:
1298:
1297:
1293:
1283:
1281:
1272:
1271:
1267:
1257:
1255:
1246:
1245:
1241:
1231:
1229:
1224:
1223:
1219:
1209:
1207:
1206:(in Vietnamese)
1196:
1192:
1182:
1180:
1179:(in Vietnamese)
1177:VietNamNet News
1171:
1170:
1166:
1156:
1154:
1153:(in Vietnamese)
1143:
1139:
1129:
1127:
1126:(in Vietnamese)
1116:
1112:
1102:
1100:
1091:
1090:
1083:
1073:
1071:
1053:
1049:
1040:
1038:
1030:
1026:
1016:
1014:
1013:on 18 July 2015
1001:
1000:
996:
986:
984:
971:
970:
966:
956:
954:
944:
940:
930:
928:
918:
914:
904:
902:
894:
893:
889:
879:
877:
867:
863:
853:
851:
842:
841:
837:
827:
825:
820:
819:
815:
805:
803:
795:
794:
790:
780:
778:
767:
763:
753:
751:
739:
738:
734:
724:
722:
713:
712:
708:
698:
696:
688:
687:
683:
673:
671:
663:
662:
658:
648:
646:
633:
632:
628:
618:
616:
606:
602:
592:
590:
586:Financial Times
579:
578:
574:
564:
562:
554:
553:
549:
539:
537:
529:
528:
524:
514:
512:
504:
503:
499:
492:
488:
481:Financial Times
477:
470:
460:
458:
445:
444:
433:
426:
413:
406:
402:
398:
389:
380:
371:
346:
297:, specifically
263:
199:
198:
187:
180:
150:
138:
130:
115:
89:
67:
47:
24:
17:
12:
11:
5:
1533:
1523:
1522:
1517:
1512:
1507:
1493:
1492:
1486:
1476:
1475:
1461:
1445:
1444:External links
1442:
1440:
1439:
1414:
1387:
1374:"homepaylater"
1364:
1338:
1313:
1291:
1265:
1239:
1217:
1190:
1164:
1137:
1110:
1081:
1047:
1024:
1007:homecredit.net
994:
964:
938:
912:
900:homecredit.net
887:
861:
835:
813:
788:
761:
732:
706:
694:homecredit.net
681:
669:DealStreetAsia
656:
645:on 23 May 2019
639:homecredit.net
626:
600:
572:
556:"Our Products"
547:
522:
497:
486:
468:
457:on 23 May 2019
451:homecredit.net
431:
411:
399:
397:
394:
388:
385:
379:
376:
370:
367:
345:
342:
262:
259:
224:Czech Republic
211:
210:
201:homecredit.net
196:
192:
191:
190:116,700 (2019)
188:
185:
182:
181:
179:
178:
172:
165:
163:
159:
158:
155:
147:
146:
143:
135:
134:
131:
126:
123:
122:
116:
111:
108:
107:
97:Central Europe
93:Eastern Europe
90:
87:
84:
83:
74:
70:
69:
64:
60:
59:
56:
52:
51:
48:
43:
40:
39:
15:
9:
6:
4:
3:
2:
1532:
1521:
1518:
1516:
1513:
1511:
1508:
1506:
1503:
1502:
1500:
1491:
1487:
1483:
1478:
1477:
1473:
1462:
1459:
1448:
1428:
1424:
1418:
1402:
1398:
1391:
1375:
1368:
1352:
1348:
1342:
1327:
1323:
1317:
1301:
1295:
1279:
1275:
1269:
1253:
1249:
1243:
1227:
1221:
1205:
1201:
1194:
1178:
1174:
1168:
1152:
1148:
1141:
1125:
1121:
1114:
1098:
1094:
1088:
1086:
1070:
1066:
1062:
1058:
1051:
1037:
1036:
1028:
1012:
1008:
1004:
998:
982:
978:
974:
968:
953:
949:
942:
927:
923:
916:
901:
897:
891:
876:
875:bloomberg.com
872:
869:Laca, Peter.
865:
849:
845:
839:
823:
817:
802:
798:
792:
776:
772:
765:
749:
745:
742:
736:
720:
716:
710:
695:
691:
685:
670:
666:
660:
644:
640:
636:
630:
615:
611:
604:
588:
587:
582:
576:
561:
557:
551:
536:
532:
526:
511:
510:www.patria.cz
507:
501:
495:
490:
482:
475:
473:
456:
452:
448:
442:
440:
438:
436:
429:
424:
422:
420:
418:
416:
409:
404:
400:
393:
384:
375:
366:
364:
360:
356:
352:
341:
339:
334:
330:
326:
324:
320:
316:
312:
308:
304:
300:
296:
292:
288:
284:
280:
276:
272:
268:
258:
256:
252:
248:
244:
239:
237:
233:
229:
225:
221:
217:
208:
202:
197:
193:
189:
183:
176:
173:
170:
167:
166:
164:
160:
156:
153:
148:
144:
141:
136:
132:
129:
124:
120:
117:
114:
109:
106:
105:United States
102:
98:
94:
91:
85:
82:
78:
75:
71:
65:
61:
57:
53:
49:
46:
41:
37:
32:
26:
22:
1430:. Retrieved
1426:
1417:
1405:. Retrieved
1400:
1390:
1378:. Retrieved
1367:
1355:. Retrieved
1350:
1341:
1329:. Retrieved
1325:
1316:
1304:. Retrieved
1294:
1282:. Retrieved
1277:
1268:
1256:. Retrieved
1252:Mekong ASEAN
1251:
1242:
1230:. Retrieved
1220:
1208:. Retrieved
1203:
1193:
1181:. Retrieved
1176:
1167:
1155:. Retrieved
1150:
1140:
1128:. Retrieved
1123:
1113:
1101:. Retrieved
1096:
1072:. Retrieved
1061:The Observer
1060:
1050:
1039:, retrieved
1034:
1027:
1015:. Retrieved
1011:the original
1006:
997:
985:. Retrieved
981:the original
976:
967:
955:. Retrieved
951:
941:
929:. Retrieved
925:
915:
903:. Retrieved
899:
896:"Operations"
890:
878:. Retrieved
874:
864:
852:. Retrieved
847:
838:
826:. Retrieved
816:
804:. Retrieved
800:
791:
779:. Retrieved
774:
764:
752:. Retrieved
748:the original
743:
735:
723:. Retrieved
718:
709:
697:. Retrieved
693:
684:
672:. Retrieved
668:
659:
647:. Retrieved
643:the original
638:
629:
617:. Retrieved
613:
603:
591:. Retrieved
584:
575:
563:. Retrieved
559:
550:
538:. Retrieved
534:
525:
513:. Retrieved
509:
500:
489:
480:
459:. Retrieved
455:the original
450:
403:
390:
381:
372:
347:
335:
331:
327:
273:countries -
264:
240:
236:Petr Kellner
215:
214:
175:Emma Capital
152:Total equity
140:Total assets
73:Headquarters
25:
1401:hanoimoi.vn
1278:nhadautu.vn
1103:10 December
1097:Aktuálně.cz
880:10 December
854:23 February
828:23 February
806:23 February
781:23 February
754:23 February
725:23 February
699:23 February
674:23 February
355:Miloš Zeman
311:Philippines
251:Philippines
228:Netherlands
88:Area served
81:Netherlands
1499:Categories
1326:www.phs.vn
777:(in Czech)
649:31 January
619:31 January
593:22 January
565:18 January
540:18 January
515:18 January
461:31 January
396:References
359:Jiří Šmejc
279:Kazakhstan
128:Net income
45:Trade name
1520:PPF Group
1432:6 January
1407:6 January
1380:6 January
1357:6 January
1331:6 January
1306:6 January
1284:6 January
1258:6 January
1232:6 January
1210:6 January
1183:6 January
1157:6 January
1130:6 January
1074:5 January
1069:0029-7712
369:Criticism
338:Hong Kong
307:Indonesia
77:Amsterdam
1041:22 April
1017:22 April
987:22 April
957:22 April
931:22 April
926:Sinopsis
905:22 April
719:avcj.com
267:Slovakia
171:(91.12%)
55:Industry
848:Reuters
744:Reuters
315:Vietnam
287:Belarus
283:Ukraine
261:History
255:Vietnam
195:Website
177:(8.88%)
63:Founded
1067:
952:Forbes
801:E15.cz
291:Russia
275:Russia
243:Russia
303:India
299:China
247:China
162:Owner
1434:2024
1409:2024
1382:2024
1359:2024
1333:2024
1308:2024
1286:2024
1260:2024
1234:2024
1212:2024
1185:2024
1159:2024
1132:2024
1105:2019
1076:2020
1065:ISSN
1043:2019
1019:2019
989:2019
959:2019
933:2019
907:2019
882:2019
856:2019
830:2019
808:2019
783:2019
756:2019
727:2019
701:2019
676:2019
651:2019
621:2019
595:2017
567:2021
542:2021
517:2021
463:2019
313:and
295:Asia
285:and
253:and
103:and
101:Asia
351:PPF
232:PPF
169:PPF
1501::
1425:.
1399:.
1349:.
1324:.
1276:.
1250:.
1202:.
1175:.
1149:.
1122:.
1095:.
1084:^
1063:.
1059:.
1005:.
975:.
950:.
924:.
898:.
873:.
846:.
799:.
773:.
717:.
692:.
667:.
637:.
612:.
583:.
558:.
533:.
508:.
471:^
449:.
434:^
414:^
309:,
305:,
301:,
281:,
277:,
249:,
245:,
99:,
95:,
79:,
1436:.
1411:.
1384:.
1361:.
1335:.
1310:.
1288:.
1262:.
1236:.
1214:.
1187:.
1161:.
1134:.
1107:.
1078:.
1021:.
991:.
961:.
935:.
909:.
884:.
858:.
832:.
810:.
785:.
758:.
729:.
703:.
678:.
653:.
623:.
597:.
569:.
544:.
519:.
483:.
465:.
119:€
23:.
Text is available under the Creative Commons Attribution-ShareAlike License. Additional terms may apply.
