Home Credit & Finance Bank 9M 2007 IFRS results: HCFB reports record net profit of RUB 915 million

7.12.2007 – Home Credit & Finance Bank (“HCFB” or “the Bank”), rated Moody’s Ba3/NP/D-, S&P B+/B, and one of the leading banks specializing in consumer banking in Russia, announces its financial results for the nine months ended 30 September 2007 in accordance with International Financial Reporting Standards (IFRS).