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

13.3.2008 – 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 financial results for the year ended 31 December 2007 in
accordance with International Financial and Reporting Standards (IFRS).