With a blueprint for further expansion to other regions in the future, Home Credit launched its operations in Metro Manila through HC Consumer Finance Philippines in October 2013. Promoting the principles of financial inclusion, Home Credit Philippines provides world-class financing services to qualified mass-market customers, often first-time borrowers. Our core business offers non-cash, no-collateral, in-store financing to customers seeking to purchase appliances and mobile devices (computers, tablets, laptops and mobile phones) through monthly installments. We provide this service directly in the shops of our partner retailers in major establishments in the country. This localized approach shows our efficient and flexible distribution model where Point of Sales are supported by local payment channels, some of them available 24/7, such as cash kiosks at convenience stores and online banking. As we further diversify our distribution networks, we will also expand our product offerings. Home Credit Philippines is part of Home Credit Group, a global consumer finance expert, with a leading presence across 10 countries in Central and Eastern Europe, and Asia (Czech Republic, Slovakia, Russia, Kazakhstan, Belarus, China, Vietnam, India and Indonesia). Established in 1997, it has proven its reputation as a pioneer by successfully entering emerging markets and scaling up operations to realize the business’ true growth potential.