Home Credit & Finance Bank Audited Full Year 2007 IFRS results: HCFB reports 183% increase in net profit to RUB 2 billion

14.3.2008 – 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 audited financial results for the year ended 31 December
2007 in accordance with International Financial and Reporting Standards (IFRS).