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21.10.2019 17:26

Roman, are you completely stupid? Home loan offered you a business, but you cheated him. You can pay utility bills through the “Polza” debit card. For a payment for any amount, the payment is only 10 rubles and no interest on the amount paid 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. I have been using the services of Home Credit Bank for about 10 years and have no complaints. This bank evokes nothing other than positive emotions for me. So, I recommend Home Credit Bank to everyone.

28.07.2019 12:18

We decided to put the money into the “24 Months Plus” deposit account. Bank office in Rostov-on-Don, Selmash Ave. When opening a deposit, the bank employee informed that an additional condition for this deposit is the mandatory opening of a “Benefit” card, otherwise the interest will be at a rate of 6.5 and not 8.3%. Moreover, I must put 10,000 rubles on it, which must remain on the card for at least 1 month, then I can withdraw it and close the card. This condition seemed strange. I ask where this is written, the answer is on the website. I said several times that I don’t need another card - I just want to open a deposit. The answer is that it is necessary, otherwise the percentage is different. TC started processing the deposit 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 paragraph 4 “At the Depositor’s request, he MAY BE issued a bank card...”. I wrote to the bank’s chat and they said we don’t understand what they’re talking about, we’re talking about issuing a “benefit” card and the deposit are in no way connected. Those, in order to fulfill some indicators, the employee simply deceived us. We spent time issuing cards for deposits, clarifying the legality, correspondence, and we will also spend time closing unnecessary cards. Summary - next time we are unlikely to contact this bank. It's kind of disgusting.

05.10.2018 12:16

Good afternoon I would like to leave a review about the good work of the employees of Home Credit and Finance Bank LLC, located at the address: Perm, Komsomolsky Avenue 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! They are always ready to answer any question in an accessible and intelligible manner, to help resolve any financial problem! The team is headed by Yulia Bychina. I express my special gratitude to her and the specialist Ekaterina Kolesnikova. I wish them further success in their work!

Internet banking from the bank Home Credit one of the leading offices for online control of funds in your accounts. Home Credit Bank was established in 2002 and is the leader in lending in Russia.

Login to the personal account of Home Credit Bank is carried out from the official page of the bank. To log in, just enter your username and password, and if filled out correctly, your account will open.

To enter your Home Credit Bank personal account, you must go to the bank’s official website at homecredit.ru and in the upper right corner click on the “Login” button.

The system will prompt you to choose where you want to go. Home Credit Bank has two types of personal account:

1. My loan
2. Internet bank

If you go to the “My Loan” section, you will go to the control panel of your loan and will be able to see key points regarding the debt, the repayment period, and the date of the next loan payment. In other words, this is a mini personal account where you can only control your loan, which you repay.

There is also a second, more complete version of your personal account - this is “Internet Banking”. Here you have access to all your assets that are registered in your name at Home Credit Bank: accounts, cards, loans. Here you can also manage services, pay for services, transfer money between your accounts or send it to another person.

Home Credit Bank personal account, security

• Be careful: do not download or install applications and programs from unverified sources on your device (tablet, computer, phone or smartphone);
• remember to install an anti-virus program, do not forget to update it periodically;
• in order to avoid disclosure of personal data, do not give your payment card and mobile device for use to third parties, even relatives and friends;
• when changing the telephone number designated as a contact number in the Banking Agreement, try to immediately notify the Bank about this;
• no one (even Bank employees) except you should know the following information: your plastic card PIN code, password for authorization in Internet banking, CVV/CVC code (indicated on the back of the plastic card), one-time confirmation codes;
• if a link to a web resource unknown to you came from an unreliable source, you cannot click on it;
• If you suspect that your personal data has been disclosed to third parties, we recommend that you immediately notify the financial institution.

Have you discovered that your finances have been illegally debited from your account? Call the hotline immediately.

To stay up to date with the security rules for your accounts, follow the news on the official page of the financial institution www.homecredit.ru.

Home Credit personal account interface

In these photos you can see what functions the Homecredit interactive account has:

Description and capabilities of the Home Credit account

• In your personal account, you can carry out such intra-bank operations as: repaying loans, transferring money to other clients of the same Bank (indicating the amount and personal account number), opening deposits and replenishing them, tracking credit card debts.
• The ability to transfer finances to any accounts (both organizations and individuals) without limiting the transfer amount. The commission is only 10 rubles.
• By going to the account transaction history, you can add your own payment template or repeat it if necessary.
• If necessary (for example, theft, loss), you can block your debit or credit plastic card yourself.
• In your personal account, you can select and open a deposit without directly visiting the office of the service provider.
• If you need to send a money transfer to a card from another bank in the country, you can make it by indicating only the recipient’s card number.
• Without visiting the bank, you will be able to get acquainted with complete information on all financial products of the bank that you use at any time of the day. For example, interest accrued on a deposit for a certain period, loan payment terms and the monthly payment amount on it, terms for closing the deposit, etc.
• With Internet banking, you can quickly pay for any utility bills without leaving your home or workplace. To do this, it is not necessary to visit the Bank's office.
• Do you use a credit card? Want to know about benefits? Use your interactive account to track the amount and terms of debt payment!
• It is also easy to transfer funds to the specified bank account: indicate the amount and details for its transfer.
• In your personal account, you can top up Home Credit Bank cards from payment cards of other banks.
• Internet banking from Home Credit allows you to receive real money or open a credit card without directly visiting the office. To do this, you can fill out the form. After 1.5-2 hours, the entire requested amount will be transferred to your account. This function is available if there is a special offer from the Bank.

Important information!!! All intrabank transfers and transfers to personal accounts in other banks in the country are carried out exclusively from a debit bank card. Any payments in Internet banking (payments are available for more than 800 organizations) are made without charging commissions.

The online client account service (“Internet banking”) is provided free of charge!

Credit office Home Credit

Getting authorized in the Homecredit Credit Account is quite simple. Enter the following information into the form fields: the user’s date of birth, mobile number, code from the picture and the SMS confirmation code received on the phone.

The difference between the Homecredit Credit Account and a personal account is that the client, while in the system, will only be able to control the receipt and expenditure of funds on the loan, and obtain information about the credit card or loan taken. In this system, you cannot send messages to the Bank, transfer funds, open deposits, change settings, make payments, apply for a loan or open a credit card.

Like the online account, the “Credit Account” function is also provided free of charge.

Do you have any questions about the operation of the Bank’s interactive system? Add a comment to the article with a question you are interested in, we will try to answer them as thoroughly and accurately as possible.

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). 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 Tay.

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.

Location

Russia Moscow

Key figures

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

Equity Net profit

▲ RUB 10.754 billion (2011)

Number of employees Main Society

Home Credit B.V.

Website

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. Simplified 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