Company attributes
Other attributes
History .
The bank was founded in 1992 under the name Technopolis Innovation Bank. In 2002, Home Credit Group acquired Tekhnopolis Innovation Bank. On July 16 of the same year, the first loan under the Home Credit brand was disbursed in Russia. In the same year, the first branch office and sales outlet were opened.
In 2003, the Bank entered into a partnership agreement with Eldorado and started its geographic expansion. In 2004, the bank issued its first credit card and received its first profit for the year. Points of sales "Home Credit" were opened in all federal districts of Russia, except for the Far East. In 2005, the bank opened its first credit-cash office and disbursed its first cash loan.
In 2006, the bank focused on improving its underwriting and antifraud system, and launched a mortgage lending program. In 2007, the bank emerged as a leader in the credit card market and was one of the first in the market to hold a 0-0-24 promotion. "Home Credit" began to move from a monoliner bank model to a universal retail bank. It launched a program of car loans, began attracting deposits from individuals and issuing debit cards.
In 2008, Home Credit optimized its strategy, responding flexibly to the crisis. The bank focused on cash loans and point-of-sale loans, phasing out mortgages and car loans.
In 2009, the bank entered the market payroll projects, developing a network of ATMs, offering customers SMS-notification and Internet banking. "Home Credit" becomes number 1 in the market for lending at points of sale.
In 2010, the bank continued its active regional expansion, opening "light" format bank offices and using the agent network.
In 2011 the bank's branch network covered the whole of Russia. For the first time the volume of cash loans exceeded the volume of POS-loans.
In July 2012 the bank announced a transition to the strategy of operating as a financial store. At the end of the year the bank ranked third in the retail lending market after Sberbank and VTB24, and was among the top ten banks in terms of its retail deposit portfolio. In 2012, the Bank achieved the record profit under IFRS for the whole period of its existence - over 19 bn. rubles.
In January 2013, the bank announced the acquisition of JSC Home Credit Bank (Kazakhstan), which is also part of the Home Credit B.V. Group. In April, Home Credit launched the "Polza" loyalty program. In the same year, Home Credit customers were able to apply for a cash loan through the Internet bank without visiting the office.
In March 2015, Yuri Andresov became Chairman of the Bank's Management Board.
In 2016, Home Credit issued a debit card with the "Polza" loyalty program - the Cosmos card.
In 2017, the bank rebranded: it updated the logo and corporate identity. "Home Credit" began to focus on a younger audience, which prefers online, installments and "smart shopping". In the summer of 2017, Home Credit Bank launched Russia's first online platform "Goods in Installments", which combined products in installments from partner stores. In 2017, the bank also issued an installment card with the ability to pay not only in the bank's partner network, but also in any store of the customer's choice.
In July 2018, the bank was among the first to accept customers' biometric data and register them in the Unified Biometric System as part of the Digital Economy of the Russian Federation program. In the same month, a loan with fully remote customer identification was issued. In November 2018, the bank's installment card received new options and a new name, Svoboda. In the same year, Home Credit was the first in the market to launch cash loans to the card of any Russian bank.
In 2019, the bank launched several new products, including the premium debit card "Polza Travel" and the service Masspayment - a system of mass sending of salary payments for legal entities.
In 2020, the bank continued to develop remote services - the voice assistant "Maria" was launched, a gradual transition to a unified mobile application "Home Credit" began. In April, the credit card project with free service and a bonus program "Credit Polza" was launched. In the autumn of 2020, a project was launched to provide installment payments for users of the VKontakte network who make purchases using the VK Pay payment system. In October 2020 Dmitry Peshnev-Podolsky became the chairman of the bank's board. At the end of 2020, the service of interest-free transfers from Polza card to Sberbank account by phone number was launched.
In spring 2021 the bank began restructuring its business. As a result, three key blocks were highlighted - daily banking (debit cards, transactional business, deposits, investment retail products, insurance, mobile application and Internet banking), development of digital partnerships (building a digital platform based on partnerships with manufacturers, retail and financial institutions) and consumer lending (POS loans, non-purpose cash loans, secured consumer loans, credit cards and installment cards). This restructuring is believed to have allowed the bank to optimize management and improve profitability.
Owners and management.
The bank is owned by Dutch Home Credit, part of the Czech PPF Group.
The chairman of the board of directors is Jiří Šmejc. Chairman of the Board of Directors - Dmytro Pesniew-Podolski.
Recognition.
In 2019, Home Credit Bank was ranked among the best banks in the world by the American Forbes magazine. The ranking was prepared jointly with the research company Statista. In the same year, the mobile application "My Credit" topped the rating of the best mobile banks in the Digital Office category for individuals according to the report Mobile Banking Rank - 2019 by the consulting agency Markswebb, cards with "Polza" program were recognized as the best loyalty program cards according to Frank RG, and the debit card "Polza" became the bank card of the year according to the financial portal Banki.ru.
In 2020, Home Credit was named one of the world's best banks by American Forbes for the second year in a row.
In the fall of 2021, 6 managers of the bank were included in the prestigious annual rating of the Association of Managers of Russia (AMR) and the publishing house "Kommersant" (all - in the category "Commercial Banks").
