Home Credit’s core business is to provide consumer finance lending to qualified mass market customers, often first-time borrowers. Our comprehensive presence across each of our markets consists primarily of in-store financing, i.e. non-collateralized, non-cash loans primarily to customers seeking purchases of durable goods and we provide this service directly in the shops through our branded “point-of-sales” outlets. This localized approach means that we have an efficient and flexible distribution model as these Point of Sales are supported by close cooperation with various local payment channels including automated payment machines, post offices and cash kiosks and complemented by our own branches in some markets (Russia, Kazakhstan, Belarus). In selected markets we also provide cash loans, credit cards and retail banking services such as deposits or current accounts.