HC Consumer Finance Philippines Inc

Founded in 1997, Home Credit Group ("HCBV" or 'the Group'), provides consumer finance services in 11 countries. The Group focuses on responsible lending primarily to people with little or no credit history. Our 57.6 thousand employees have so far served 47.8 million customers through the vast distribution network comprising 161,654 points of sale, loan offices, branches and post offices. HCBV's total consolidated assets reached EUR 9.5 as at 30 June 2015. More information on HCBV is available at www.homecredit.net Vision We strive to be a leading and responsible consumer finance provider in all markets we operate, measured by sound business practices, sales, long-term profitability, sustainable growth and corporate reputation. We aim to establish and develop strong relationships with our customers, distribution networks and agents as well as offer valuable career opportunities to our employees. Ethos Our success is backed by the highest standards of business practice in our dealings with customers, employees, investors and other stakeholders. We also look after our chosen retailers through dedicated support, extensive marketing assistance and training. In each country, we have an internationally experienced management team and we endeavor to share best practices across the Home Credit Group to improve our customer service and to grow the businesses.