Robotic Financial Technologies LEGAL DISCLAIMER 2 While all - - PowerPoint PPT Presentation
Robotic Financial Technologies LEGAL DISCLAIMER 2 While all - - PowerPoint PPT Presentation
Robotic Financial Technologies LEGAL DISCLAIMER 2 While all reasonable care has been taken to ensure that the facts stated herein are accurate and that the forecasts, opinions and expectations contained herein, are fair and reasonable, no
LEGAL DISCLAIMER
While all reasonable care has been taken to ensure that the facts stated herein are accurate and that the forecasts, opinions and expectations contained herein, are fair and reasonable, no representation or warranty, express or implied, is made as to, and no reliance should be placed on, the fairness, accuracy, completeness or correctness of the information, or opinions contained herein. Neither Robocash nor any of Robocash advisors or representatives shall have any responsibility or liability whatsoever (for negligence or
- therwise) for any loss howsoever arising from any use of this document or its contents or otherwise arising in connection with this
document. The information set out herein may be subject to updating, completion, revision, verification and amendment and such information may change materially. This presentation is based on the economic, regulatory, market and other conditions as in effect on the date hereof. It should be understood that subsequent developments may affect the information contained in this document, which neither Robocash nor its advisors are under an obligation to update, revise or affirm. The distribution of this presentation in certain jurisdictions may be restricted by law. Persons into whose possession this presentation comes are required to inform themselves about and to observe any such restrictions. The following information contains, or may be deemed to contain, “forward-looking statements”. These statements relate to future events or our future financial performance, including, but not limited to, strategic plans, potential growth, planned operational changes, expected capital expenditures, future cash sources and requirements, liquidity and cost savings that involve known and unknown risks, uncertainties and other factors that may cause Robocash or its businesses’ actual results, levels of activity, performance or achievements to be materially different from those expressed or implied by any forward-looking statements. In some cases, such forward-looking statements can be identified by terminology such as “may,” “will,” “could,” “would,” “should,” “expect,” “plan,” “anticipate,” “intend,” “believe,” “estimate,” “predict,” “potential,” or “continue,” or the negative of those terms or other comparable
- terminology. By their nature, forward-looking statements involve risks and uncertainties because they relate to events and depend on
circumstances that may or may not occur in the future. Future results may vary from the results expressed in, or implied by, the following forward-looking statements, possibly to a material degree. All forward-looking statements made in this presentation are based on information presently available to management and Robocash assumes no obligation to update any forward-looking statements.
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ABOUT
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Loan Calculator
You will have to return 112 USD December 28 2019 Loan repayment date
APPLY NOW
Robocash Group is a global fintech company successfully developing in Europe & Asia since 2013. We are specialized in Micro Consumer Lending both Online & Offline. Our high-tech Robotic & Automated process is our DNA since inception that enables us to be Top 3 player in each of our markets. Our solutions make it easier for the Underserved by banks to get access to financing in a fast and comfortable way.
7 days 15 USD 30 days
100 USD
500 USD
10 days
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Supported by various initiatives, there is a significant increase in financial inclusion in South and East Asia. However, to have a bank account doesn’t necessarily mean to have full, quick and easy access to finance. Lack of credit history or remoteness of bank branches leave local population largely underserved by banks. We are ready to help and serve these people already now.
THE POTENTIAL
Source: South & East Asia and Pacific, Global Findex 2017
South & East Asia
580
mln adults with an account remain underserved by banks
850
mln adults lack a bank account
2B
population in the region
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SERVING THE UNDERSERVED
“Why are you taking a taxi or an Uber if you have a choice to ride public transportation? What benefits can you get – it’s the accessibility, convenience and comfort.”
75%
Online
55%
Mobile
330
Offline outlets* The combination of online and offline channels increases the accessibility of our services
*Including FinTerra in Russia, an affiliated company but not part of Robocash Group
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FACTS ABOUT ROBOCASH GROUP
Since
2013
Markets
8
Served clients
9.0
mln Repetitive customers in 2019
54%
Staff employed
1,042
Marketplace funds in turnover
13.2
mln USD Total issued volume
603.3
mln USD Net profit in 2019
17.3
mln USD
Data as of December 31, 2019
FOOTPRINT
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97.4 66.3% 2.6
VIETNAM (2018)
We are represented in the fast developing markets and continue our expansion
EU (2017)
512.6 85.7% 36.5
SPAIN (2016)
46.4 87.1% 30.5
INDONESIA (2018)
269.5 53.7% 3.9
RUSSIA 2017 2013
143.9 76.1% 11.3
KAZAKHSTAN (2015)
18.6 76.4% 9.3
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PHILIPPINES (2017)
108.1 62.9% 3.1 1,400 34.1% 2.0
INDIA (2019) GDP per capita (k USD) Population (mln) Penetration
- f Internet
Consumer lending Marketplace funding
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WHAT MAKES US DIFFERENT
Expertise
we have been active in lending since 2013
P2P Platform
to securitize
- ur portfolio
in Europe
Diversification
we scale the Asian markets and operate both
- nline & offline
Focus on profit
we grow more than 100% from year to year
Robotization
- ur technologies
and scoring are based
- n ML & AI
In-house
from product development and data-driven risk management to customer care and collection
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CONSUMER LENDING
Net loan portfolio,%
Russia Kazakhstan Vietnam India
0.2 1.4 61.5 64.9 69.2 24.7 16.2 30.2
Spain
3.1 3.9 0.5
Philippines
10.2 11.8 0.1 1.3
Indonesia
0.4 0.6
2017 2018 2019 The objective is to scale the Asian markets and sustain growth in mature markets: Russia, Kazakhstan and Spain
Product Micro Consumer loans Installment loans
Markets Russia, Kazakhstan*, Spain, Indonesia, Vietnam, India Russia Channels Online & Offline* Online Average term 20 days 8 months Average size 70~180 USD 470 USD
*Kazakhstan has both channels: online and offline
Data as of December 31, 2019. The Philippines provides results as of November 1, 2019
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22.3%
4 and more loans
46.4%
1 loan new
4.0%
1 loan repeated
17.8% 2 loans 9.5%
3 loans
CUSTOMER PROFILE
Common characteristics Issuance by customer type
Underserved by traditional banks Having a bank account Limited credit history Using finances for unexpected expenses and essentials Seeking for quick and convenient access to financing 54% loans issued to returning customers in 2019
Clients split by age
25% 27% 30% 11% 5% 2%
18-24 25-30 31-40 41-50 51-60 61+
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MARKETPLACE FUNDING
Attracted funds, mln USD
2.9 0.1 1.1 2.1 5.9 11.1
December 31, 2017 December 31, 2018 December 31, 2019
EU RU
Active in The European Union, Switzerland Russia
Launched February 2017 September 2017 Investment type Peer-to-Portfolio Company directed Investment size 11.4 – 11,400 USD 7,474 – 298,977 USD Average investment 2,392 USD 39,637 USD Financed Markets Spain, Kazakhstan, Vietnam, Singapore Russia Annual interest rate 14% 12-17% Term from 7 days up to 12 months from 3 to 36 months
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PEER-TO-PORTFOLIO PLATFORM IN EUROPE
As an intermediary, Robo.cash attracts marketplace funding from retail investors and legal entities in Europe to the portfolio of the integrated lenders. Investors pay no fees and charges for using the service. Lenders cover the platform's expense regulated by the financial intermediary agreements.
LENDER
ROBOCASH
INVESTOR BORROWER BANK LENDER
ROBOCASH
INVESTOR BORROWER BANK
Investment size, USD
15%
5,001- 10,000
35%
>10,000
16%
<1,000
21%
1,001-3,000
13%
3,001- 5,000
Investors split by age
Common characteristics
Millennials and Generation X Coming from Germany, Spain and Austria 1-2 years of experience in P2P lending Seeking for an automated tool and buyback guarantee Diversifying assets by 5 and more platforms 5% 15% 41% 26% 10% 3%
18-24 25-30 31-40 41-50 51-60 61+
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EUROPEAN INVESTOR PROFILE
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EXCECUTIVE COMMITEE
Pavel Leonov
Chief Financial Officer
Joined the Group in May 2019. With 14 years in finance, Pavel took leading positions in the Finance department in SVEZA for 11 years. He integrated plants into the group corporate management systems based on SAP and managed IFRS reporting and audit, M&As financial models and due diligence. 2 years in Finstar Group implementing budgeting, financial reporting and control, BI system, financial models for the launch of new markets. Holds Master's degree in IT management systems. Certified Management Accountant. Member of the Association of Certified Chartered Accountants.
Sergey Sedov
Chief Executive Officer Officer
Janis Bogdasarovs
Chief Legal Officer
Joined the Group in May 2018. Prior to joining Robocash Group, worked as the Head of Corporate Department and a member of the Disclosure Committee in 4Finance where he took responsibility for provision of legal support and supervision
- f corporate governance, M&A transactions, issuance and listing of
securities, funding arrangements, formation, purchase, restructuration, licensing, decision-making, representation and liquidation of companies at the group level. Experienced in conducting shareholders’ meetings of public and closed joint-stock companies and advising on the listing of securities on the stock exchange. Holds LL.M degree in International Commercial Law from Erasmus University Rotterdam and LL.M degree in Law from University of Latvia.
Artem Prokopenko
Chief Operational Officer
Joined the Group in 2015. More than 7 years of broad experience in IT, Analytics and Customer
- support. Holds the position of COO since January 2019 after
successfully managing Business Development of the Group for two
- years. Joined Robocash Group as the Head of Contact Center in MFC
Zaymer in 2015 having deep expertise in providing and managing technical and customer support. Graduate in Information systems and networks from the Institute of Information Technologies of Kemerovo State University of Culture and Arts. 16 years of experience in business management, marketplace lending, real estate, commerce and production. Three years after co-founding his first lending company FinTerra in 2010, Sergey Sedov began building Robocash Group, which is represented today by alternative lending companies in Russia, Kazakhstan, Spain, the Philippines, Indonesia, Vietnam and India and a p2p platform in Europe. Under his management, the companies of the Group have shown a steady yearly growth by taking leading positions in Russia and Kazakhstan and demonstrating a high dynamics in other countries. Holds Ph.D. in Economics from the Institute of Economics of the Russian Academy of Science.
Robocash Group is managed by a highly qualified team with an extensive expertise in business ensuring successful development of the financial group and its positive business reputation
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OUR PARTNERS
From Micro consumer lending and Instalment loans, we are intended to expand to new markets and launch new products and services in Asia and looking for collaboration with local partners to jointly leverage the potential of the digital landscape, AI technologies and client base in Asia.
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FINANCIAL OVERVIEW
Provided financials are based on unaudited calculations prepared by the management of the company and have been indicated with a potential 10% error margin.
Loans issued, mln pcs Total assets, mln USD
7.8
2015 2016 2017
14.7 20.2
Equity, mln USD
2018
39.9
2019
76.0
Net profit, mln USD Revenue, mln USD Loans issued, mln USD
1.7 5.3 9.4 46.7 21.7
2015 2016 2017 2018 2019
0.9
2015 2016 2017
3.6 7.3
2018
9.4
2019
17.3 5.5 19.8 66.4 223.6 120.2
2015 2016 2017 2018 2019
4.3
2015 2016 2017
27.0 84.5
2018
167.7
2019
303.2 0.14 0.5 1.2 3.3 2.2
2015 2016 2017 2018 2019