Vladimír Urbánek (Kurzy.cz)
Personal finance  |  January 18, 2013 10:32:42

Home Credit in 2012 borrowed 8.9 billion crowns

Home Credit Finance as (Czech Republic) in 2012 lent its clients a total of 8.9 billion CZK. In comparison with the previous year is an increase of 2%. Successful results were achieved thanks to Home Credit increasing popularity of credit cards, as well as interest on cash loans and AutoCredit.

"This year's results I appreciate particularly with regard to the overall situation in the market in which we entered in 2012. Despite the problems of the Czech economy, the decline in consumer demand and high competition we were able to grow and cope with our competitors, not only among non-banking companies as well as banks, "says business results CEO David Bystrzycki Home Credit.

Compete according Bystrzyckého thrive thanks to a wider range of products, from which they choose diverse clients. "At the same time, we try to their maximum clarity and simple to use. Our advantage is the ability to respond quickly to market changes. For example, when we observed a decline in demand for credit at point of sale, which people know as purchases on installment, we decided to offer them credit cards. They are better for him and especially faster because they do not always ask again. And this strategy clearly worked, "says the CEO.       

Now credit cards are in a very good period and grow at a fast pace. In 2012, Home Credit provided through 23% more money than last year. "The trend of computerization money is unquestionable. Five years ago, many people resisted card payments because they were slow and did not fit for small payments. The situation is changing rapidly and today the cards are, in our case the credit, the key areas, "explains Bystrzycki. The success of credit cards also have a major share of trading partners, in particular the retail chain Tesco, where Home Credit provides a complete range of financial services.

The year 2012 was successful for-purpose cash loans. Compared increased 1% in the volume of new principal. Flourished mainly telephone loan, which forms the cornerstone of cash loans. These good results were helped new communication concept that Home Credit launched in July last year. The most obvious change was the new television commercials on the phone just a loan. Changes but it was more. With the beginning of summer, as did the Web site, through which candidates can apply for a loan online. And thanks to the new site has increased the volume of money through the online channel to almost double.  

The fourth pillar of the Home Credit business are loans for financing cars, which in 2012 continued to grow. "Given that sales of used cars have been badly affected by problems with registries vehicles, which according to statistics in the summer registrations fell by 80%, it is a good result.If in the next year, a similar situation will not happen again, the prospects in this field are very promising, "says David Bystrzycki.

In 2013, the company wants to focus mainly on opening up new sales channels. Still great potential offered by the Internet and e-shops. A very good way it turned out and expansion of services, such as Cash Card or on the possibility of transferring money from credit card to checking account client. The company also plans to introduce a comprehensive marketing segmentation tool that allows to know in detail the needs of clients and offer them products made ??to measure.


Zuzana Bienvenu
spokesman Home Credit as



Was this article: 10 | 8 | 6 | 4 | 2 | 0

Zobrazit sloupec 
Moner | ISIN database | Weather forecast
Česká verze
Kurzy.cz - Akcie cz, kurzy měn, forex, zlato.
Favorite: Prague Stock Exchange Czech crown Czech economy Commodities Gold Trademarks Prague Weather

Copyright © 2000 - 2018

Kurzy.cz, spol. s r.o., AliaWeb, spol. s r.o.,

ISSN 1801-8688