Standard and Poor’s affirms Home Credit & Finance Bank ratings: B+/Stable/B

16.4.2008 – 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 that the international rating agency, Standard and Poor’s, affirmed the Bank’s ratings on 15 April 2008.