Capital increase of RUB 2 billion in Home Credit and Finance Bank provided by the parent company Home Credit B.V.

12.1.2009 – Home Credit Finance Bank (“HCFB” or “the Bank”), rated Moody’s Ba3/NP/D-, SP B+/B, and one of the leading banks specializing in consumer banking in Russia, announces two additional capital injections for a total amount of RUB 2 billion which were effected in December.