AFORTI Capital Group Financial Results for the IV quarter of 2018 - - PowerPoint PPT Presentation

AFORTI Capital Group

Financial Results for the IV quarter of 2018

February 14, 2019

INDEX

Key Informations The structure of Aforti Group Financial results Selected financial data of subsidiaries Law Disclaimer Contact

KEY INFORMATIONS

Aforti Holding S.A., is a company listed on the NewConnect market, standing at the head of the growing Financial Group. AFORTI Group responds to the needs of entrepreneurs and companies from the SME sector, offering a wide range of financial services supporting business development, such as: financing of operations, online currency exchange, receivables management

• r factoring.

AFORTI bases its services on highly qualified managerial staff and on the highest standards of professionalism and expert knowledge. Competitive advantage is based on building long-term relationships with customers. Data in PLN 31.12.2018 31.12.2018 r. r. Change 31.12.2017 r.

Sales revenues 200,07% Net profit 34,38% EBIT 50,95% EBITDA

• Assets

76,64% 89 212 580,93 Equity 40,09% 4 377 023,62 Human resources 204 36,91% 149

THE STRUCTURE OF AFORTI CAPITAL GROUP

HIGHLIGHTS HIGHLIGHTS

Aforti Holding S.A.

Almost PLN 572 million of consolidated sales revenues of the Aforti Group at the end of 2018 (+200.07% in relation to 2017) Increase of consolidated net profit by 34.38% to the level of PLN 1.63 million Over PLN 157.5 million assets at the end of 2018 - 76.64% dynamics (r-d-r)

Aforti Finance S.A.

The increase in the value of loans granted in the entire 2018 by 63.40% (to more than PLN 59.19 million) YoY, while the value of submitted applications in this period increased by 150.38% YoY In October 2018, Aforti Finance Romania IFN S.A. obtained a non-bank financial institution license and began preparation for launching operational activities

Aforti Exchange S.A.

In the fourth quarter of 2018, the monthly number of transactions was significantly increased due to the acquisition of new customers and the activation of existing clients The own call center was launched

Aforti Exchange Romania S.A.

In the fourth quarter of 2018, the value of trading on the platform is over EUR 33.32 million, which represents an increase of 2394.54% year-on-year

Aforti Collections S.A.

Finalization of the merger process with LifeBelt Sp. z o.o. in order to increase market share

Aforti Factor S.A.

In the fourth quarter of 2018, Aforti Factor S.A. financed invoices with a total value of over PLN 10.20 million. A new product has been implemented: debt factoring

FINANCIAL RESULTS

An increase of the consolidated salesrevenuesin the fourth quarter of 2018 by 199.29% year-on-year Consolidated net profit in this period amounted to approximately PLN 391.36 thousand and was higher by 306.26% YoY and by 68.74% in relation to the previous quarter 11,41 12,42 16,61 21,97 33,29 41,87 46,53 69,03 99,92 143,82 121,98 206,15

50 100 150 200 250

Consolidated revenue (mln PLN)

54,42 277,94 192,77 123,65 373,8 424,06 323,14 1055,1 717,87 294,6 231,93 391,36

200 400 600 800 1000 1200 IQ 2016 IIQ IIIQ IVQ IQ 2017 IIQ III Q IVQ IQ 2018 IIQ IIIQ IVQ

Net Profit/Loss (k. PLN)

FINANCIAL RESULTS

19,8 24,8 30,7234,51 46,23 56,88 74,24 89,63 102,57 117,9 140,37 157,58 20 40 60 80 100 120 140 160 180

31.03.2016 30.06.2016 30.09.2016 31.12.2016 31.03.2017 30.06.2017 30.09.2017 31.12.2017 31.03.2018 30.06.2018 30.09.2018 31.12.2018

ASSETS (mln PLN)

4,27 4,48 4,58 4,86 5,25 5,58 5,15 5,21 5,5 5,74 6,13

1 2 3 4 5 6 7

EQUITY (mln PLN)

The value of the Aforti Group's assets at the end of December 2018 amounted to over PLN 157.58 million and was higher by 76.64% year-on-year The value of equity in the Aforti Group increased by 40.09% to PLN 6.13 million year-on-year and by 6.79% quarter on quarter

AFORTI FINANCE S.A. The loans to small and medium businesses

Katarzyna Wieczorek

In the fourth quarter of 2018, Aforti Finance S.A. granted 150 loans with a value of EUR 3.26 million, which is an increase of 11.51% compared to the previous year In October, the highest number of loans in the history of Aforti Finance was launched, which amounted to 57 (increase by 42.50% year-on-year) 1 047 907 2 163 488 2 286 279 2 927 442 3 486 512 4 112 558 2 903 523 3 264 377 661 414

500 000 1 000 000 1 500 000 2 000 000 2 500 000 3 000 000 3 500 000 4 000 000 4 500 000 IQ2017 IIQ2017 IIIQ2017 IVQ2017 IQ2018 IIQ2018 IIIQ2018 IVQ2018

• Im. IQ2019

Value of microloans sold (EUR)

AFORTI EXC XCHANGE S.A. ONLINE CURRENCY EXCHANGE PLATFORM FOR COMP ANIES

In the last quarter of 2018, the value of trading on the currency exchange platform reached the level of over EUR96.78 thousand, an increase of 180.83% year-on-year and 58.53% quarter-on-quarter In November 2018 the company has launched its own call center 15 641 443 17 409 320 22 911 000 34 465 000 46 116 000 65 995 000 61 052 120 96 787 750 33 043 550 20 000 000 40 000 000 60 000 000 80 000 000 100 000 000 120 000 000 IQ2017 IIQ2017 IIIQ2017 IVQ2017 IQ2018 IIQ2018 IIIQ2018 IVQ2018

• Im. IQ2019

Value of currency exchanged (EUR)

AFORTI EXC XCHANGE ROMANIA S.A.

The value of currency exchange on the Aforti Exchange platform in Romania in the fourth quarter of 2018 reached the level of over EUR 33.32 million, which is an increase of 2394.54% year-on-year 1 336 000 7 212 000 12 512 000 14 646 380 33 327 020 12 347 030 5 000 000 10 000 000 15 000 000 20 000 000 25 000 000 30 000 000 35 000 000 IVQ2017 IQ2018 IIQ2018 IIIQ2018 IVQ2018

• Im. IQ2019

Value of currency exchanged in Romania (EUR)

AFORTI COLLECTIONS S.A. RECOVERY

Andrzej Stawski -

In the fourth quarter of 2018, the Company finalized the acquisition of LifeBelt sp. z o. o. both entities are already operating under the Aforti Collections brand The presented results also take into account the financial results of the acquired company 28 743 302 24 593 794 23 393 893 22 808 100 7 493 684

5 000 000 10 000 000 15 000 000 20 000 000 25 000 000 30 000 000 35 000 000

IQ2018 IIQ2018 IIIQ2018 IVQ2018

• Im. IQ2019

Nominal value of debt collection orders (EUR)

AFORTI FACTO TOR S.A. - F ACTORING for small and medium-sized enterprises

In the fourth quarter of 2018, Aforti Factor S.A. financed invoices with a total value of over EUR 2.37 million 682 100 1 354 942 1 930 665 2 372 214 1 019 898

500 000 1 000 000 1 500 000 2 000 000 2 500 000

IQ2018 IIQ2018 IIIQ2018 IVQ2018

• Im. IQ2019

The value of funded debt (EUR)

Law Disclaimer

This presentation has been prepared solely for the purpose of providing information about Aforti Group activity for clients and shareholders and can not be interpreted as an offer or recommendation to any transactions. The information contained in the material comes up from public and reliable sources. Aforti Holding S.A. is not responsible for the consequences of the decisions made on the basis of information contained in this material. The information contained in the presentation was not a subject to independent verification and in any case may be subject to changes and modifications. The information was provided as part of current or periodic reports preapared by Aforti Holding SA. or complement them without obligation to provide information imposed on Aforti Holding SA. as a public company. In no case, the content of this presentation may not be construed as a clear statement or assurance of any kind made by the Company or its representatives. In addition, neither the Company nor persons acting on its behalf shall be liable in any respect for any loss or damage that may arise in connection with the use of this

• presentation. The Company is not obliged to be disclosed to the public any possible modifications or changes to the information,

data or statements forming part of this presentation in the event of a change in the Company's strategy or circumstances that will affect the strategy of the Company. The company notes that the only reliable source of informations on the situation of Aforti Holding SA, are current and periodic reports provided by Aforti Holding SA.