SLIDE 1
1
2
Disclaimer
This presentation has been prepared solely for informational purposes and shall not be considered as an offer to sell or the solicitation of an offer to buy, subscribe for
- r otherwise acquire any securities of or obtain lending services from Home Credit B.V., PPF Group N
.V. or any of their affiliates in any jurisdiction and shall not be treated as any investment advice or recommendation. This presentation is not directed to, or intended for distribution or use, w here it is prohibited by operation of law. The presentation does not take into account, in any way whatsoever, the investm ent objectives, financial situation or specific needs of its recipients. This presentation and its contents may not be copied or disseminated, in part or as a w hole, without prior written consent of Home Credit B.V. Information and opinions presented in this presentation m ay have been obtained or derived fromvarious sources w hich are believed by H
- me Credit B.V. to be reliable but such information has not beenverified
by Home Credit B.V. Certain information in this presentation is based on management estimates. Such estimates have been made in good faith and represent the current beliefs of mem bers of management. Those managem ent members believe that such estim ates are founded on reasonable grounds. However, by their nature, estimates may not be correct or complete. Accordingly, no representation or warranty (express or implied) is given that such estimates are correct or complete. Where this presentation quotes any information or statistics from any external source, it should not be interpreted that Home Credit B.V. has adopted or endorsed such information or statistics as being accurate. This presentation contains forward-looking statements. These statem ents reflect the Home Credit B.V.’s current knowledge and its expectations and projections about future events and may be identified by the context of such statements or w
- rds such as “anticipate,” “believe”, “estimate”,
“expect”, “intend”, “plan”, “project”, “target”, “may”, “will”, “would”, “could” or “should” or similar terminology. By their nature, forward-looking statements are subject to a number of risks and uncertainties, many of which are beyond the Home Credit B.V.’s control that could cause the actual results and performance to differ materially from any expected future results or perform ance expressed or im plied by any forward-looking statements. No representation or warranty whatsoever, express or implied, is made as to the accuracy, completeness, consistency or the reliability of the informationcontained in this document and nothing contained in this presentation is, or should be relied upon as, a promise or representation. We accept no liability for loss arising from the use of any information or acting on any opinion contained in this document. We retain the right to change the contents of this presentation at any time without notice. Neither Home Credit B.V. or any other person is under any
- bligationto update orkeepcurrent the informationcontained in this presentation or to correct any inaccuracies in any such information which may become apparent or
to provide you with any additional information. None of its directors, officers, employees, direct or indirect shareholders, agents, affiliates, advisors or any other person accept any responsibility, liability or duty of care whatsoever for thecontents of this presentation, and no representation or warranty, express or implied, is made by any such person in relationto the contents of this presentation. The numbers in this presentation are largely taken from the audited consolidated IFRS statements of Home Credit B.V. In the interest of comparability certainnumbers of PT. Home Credit Indonesia are pro-forma. For more information on Home Credit Group, please visit www.homecredit.net.