Home Credit & Finance Bank H1 2007 IFRS results: HCFB reports net profit increase of 300% to RUR 456 million

28.8.2007 – Home Credit & Finance Bank (“HCFB”), rated Moody’ 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 six months ended 30th June 2007 in accordance with International Financial and Reporting Standards (IFRS).