Robotic Financial Technologies LEGAL DISCLAIMER 2 While all - - PowerPoint PPT Presentation

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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


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Robotic Financial Technologies

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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

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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

2

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

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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

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Thank you for attention!

https://robocash.group/