OREANDA-NEWS. On November 21, 2007 Home Credit & Finance Bank LLC ("HCFB") [Moody's Ba3/NP/D-, S&P B+/В], one of the leading banks specializing in consumer banking in Russia, announces that, an additional capital injection for the total amount of RUB 1,5 bln has been completed, reported the press-centre of Home Credit & Finance Bank.

The capital injection follows the decision of the HCFB General Meeting as of 20 November 2007, based on which the increase shall be realized by 23 November 2007. The capital increase has been executed by the majority shareholder, Home Credit B.V., 99,9% owner of HCFB as part of a broad PPF Group policy to continue maintaining HCFB's high BIS capital ratio at approx. 20%.

Notes to Editors:
Home Credit & Finance Bank (Moody's Ba3/NP/D-, S&P B+/B) is one of the leading banks specializing in consumer banking in Russia with a 21% market share in the point-of-sale market and a 12% market share of the credit card market as of 30 June 2007.

HCFB offers its clients a wide range of credit products with variable credit terms. As of 30 June 2007, HCFB’s products have been distributed through more than 25,000 POS outlets across over 1,100 cities throughout Russia. The bank’s regional network comprises 81 representative offices and 58 KKOs (loan offices) across the Russian Federation.

Companies of the Home Credit Group have been operating in the Central and Eastern European as well as Central Asian consumer finance markets and had granted loans in the combined principal of USD 2.7 billion as of 2006 year end. Home Credit Group maintains a leading position in the consumer finance markets of the Czech Republic (entered in 1997), the Slovak Republic (1999), the Russian Federation (2002) and the Republic of Kazakhstan (since December of 2005). Home Credit Group also entered the Ukrainian and Belarusian market in 2006.

The Home Credit Group belongs to the PPF international group of companies which has interests in insurance and consumer finance, and provides complex asset management services. During its 16 years in business, PPF Group has become a leading international financial investor, managing assets of over USD 10 billion as at the end of 2006.