Home Credit is hoping that its receivables or loans from clients and customers will hit P100 billion in 2025.
In a briefing on Sept. 12, 2025, Home Credit marketing and communications group head Sheila Paul said their loan receivables to date are around P85 billion, up from about P74 billion in end-2024.
“We’re hoping to hit the magic 100 within the year,” she said, adding the non-performing loans (NPLs) remained below the 10 percent threshold.
Paul traced her optimism to the strong rise of their customer base, which to date numbers around 12.2 million.
She said partnerships for product offerings have increased to around 18,000 stores nationwide, up from about 16,000 stores at the end of last year.
Sales force has also improved, she said, noting that they already have around 10,000 agents so far this year.
She said these staff, along with those from the partner stores, boost growth in utilization of their financial offerings.
However, with the rise in customers and receivables, Paul said NPLs remain below their 10 percent threshold, but declined to give specifics.
“So, our non-performing loans, we haven’t reached any of our commitments. It’s still below 10 percent. The lower, the better….But as long as we’re able to manage it within that threshold, I think we are fine. We’re built for that,” she added.
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