az holding group - starconference presentation
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AZ HOLDING
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A STRONG GROUPAZ Holding
AZ Holding is a Group focused in Credit and Anti-fraud services. It is also active in the intelligence & security market and heritage protection working in all the Italian market.Clients are the major national financial institutions, international funds, utilities companies, retail companies and SME’s.
The AZ approach in the credit management is unique. Thanks to the deep expertise in NPL individual infoproviding and the proprietary database, the Group is able to target excellent recovery performances in all asset class (Secured-Unsecured/ Individual-SMEs-Corporate).
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A-Zeta s.r.l. has been established in 1974 in Naples by Antonino Restino, who is currently the major shareholder of the Group.The company has grown thanks to investigation and infoproviding business.
40 YEARS OF SUCCESS
1974 Foundation of A-Zeta s.r.l.
2014 Member of the ELITE group of Italian Stock Exchange
2015Full Credit Servicer
1986 Digitalization of infoproviding
activities
2013Setup of credit collection
Business Unit
2009 Creation of
AZ Holding Group(AZ One security S.r.l. - Intelligence services
AZ Say World S.r.l. - Welcome services)
AZ Holding
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OUR COMPETITIVE ADVANTAGES
Centralized and consolidated network of information sources and
information makerAZ Holding
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COMPETITIVE ANALYSIS
Source: Pwc
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Source: Pwc
AZ Holding 2014
AZ Holding 2015
MARKET POSITIONING
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NON PERFOMING LOANSINFOPROVIDING
COLLECTION
The Group's NPL Area, which operates in the domestic market under the Credit Management unit, is focused on portfolios management on all asset class (Secured-Unsecured/ Individual-SMEs-Corporate) Technology drives volumes and quality allowing above averageIRR in portfolio collection
This unit capitalizes on the historical infoproviding phase maximizing returns in the home, phone and legal recovery phaseThe NPL infoproviding unit is among the leaders in the Italian market. It is focused in supporting decisions on the lending assessment and in the debt recovery phase on individuals.Main clients are: banks, consumer credit institutions, legal firms, collection companies, credit servicers.
REFERENCE MARKETS 1/3AZ Holding
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The Group has through the years become a recognized leading market player in claims management, able to provide top quality service applied to anti-fraud in insurance. The unit is organized with a back office which coordinate field agents over the country supported by a high quality data management software.
REFERENCE MARKETS 2/3AZ Holding
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REFERENCE MARKETS 3/3
The Group's Retail Area, which operates in the market under the Welcome service unit, focuses on hospitality and security servicesThis services are able to contribute to the image and prestige of the shops, while also offering deterrence services to crime prevention.
AZ Holding
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OUR APPROACH
AZ Holding
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WEB-TECH
Big Data Analytics Platforms
Real-time stream-analysis capabilities
Custom solutions
AZ Holding
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FINANCIAL HIGHLIGHTS
AZ Holding
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2015Revenues: 8.3 mln euroEbitda: 2.4 mln euroEquity: 13.2 mln euro
STRONG SUSTAINABLE GROWTH
0
1,000,000
2,000,000
3,000,000
4,000,000
5,000,000
6,000,000
7,000,000
8,000,000
9,000,000
Group revenue
2013 2014 2015
CAGR 18%
*Unaudited
*
Business breakdown
56%
21%
11%
9% 3%
Credit Management Anti-Fraud Welcome services Intelligence Security
AZ Holding
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EBITDA & NET PROFIT
*Unaudited
2013 2014 20150
100,000
200,000
300,000
400,000
500,000
600,000
700,000
800,000
900,000
398,442
695,369
851,500
Net Profit
*2013 2014 20150
500
1,000
1,500
2,000
2,500
881
2194
2400
EBITDA
17,58%
thousand euro
30%27,46%
*
AZ Holding
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NET CAPITAL INVESTED
2013 2014 2015*0
200400600800
1,0001,2001,4001,6001,8002,000
1,780
Net financial position-
thousand euro
*Unaudited
-
-
-
-
2013 2014 2015*0
500
1,000
1,500
2,000
2,500
3,000
3,500
4,000
4,5004,101
Working capital
thousand euro
thousand euro
2013 2014 2015*0
1,000
2,000
3,000
4,000
5,000
6,000
5882
Net Capital investedthousand euro
-
-
-
-
AZ Holding
2013 2014 20150
2,000
4,000
6,000
8,000
10,000
12,000
14,00013,208
Equity
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OUR STRATEGY FOR GROWTH
Strong investmen
ts in web-
tech
Heavy recruitme
nt of talents
Innovative use of
database
Flexible and
proactive client
approach
Efficient and
simplified processes
New Business
area
Externalgrowth
AZ Holding
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GOVERNANCE
Indipendent AuditorPricewaterhouseCoopers
S.p.A. (“PwC”)Board of Statutory Auditors
Board of Directors
Carmine EvangelistaMember of the Board
CEO
Antonino Restino Shareholder
(98,59%)
Riccardo RestinoShareholder
(1,41%)
AZ Holding
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KEY TAKEAWAYS
• 40 years of success
• Diversified business approach
• Strategic positioning
• Strong investments
AZ Holding
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THANK YOU
AZ Holding
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Milanvia Borgogna 2, 20122Ph. +39 02 760 22 442Fax +39 02 760 26 408
Naplesvia Santa Lucia 50, 80132Ph. +39 081 764 60 60Fax +39 081 247 11 60
Romevia F. Rosazza 46, 00153Ph. +39 06 693 194 05Fax +39 06 693 181 73
Pozzuolivia Antiniana, 2 80078Ph. +39 081 764 60 60Fax +39 081 247 11 60
AZ Holding
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