Мetrokredit investors presentation final - amazon s3 · 2019-06-27 · company overview * based on...

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www.metrokredit.ru

M E T R O K R E D I T

July 2019

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www.metrokredit.ru

AVERAGE ISSUED LOAN AMOUNT *

EUR 112

TOTAL ISSUED LOAN COUNT *

327 557

TOTAL ISSUED LOAN VOLUME *

MIL. EUR 44.7

EMPLOYEES

184 persons

COMPANY OVERVIEW

* Based on operational data as of 31 May 2019 and June forecast

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www.metrokredit.ru

RUSSIAN MARKET OVERVIEW: CONSUMER LOANS

LOAN PORTFOLIO HAS GROWN BY:

+35% in 2018Y (Y-o-Y)

+29% in 2017Y (Y-o-Y)

+16% in 2016Y (Y-o-Y)

0.0

0.5

1.0

1.5

2.0

2.5

3.0

2016 2017 2018

1.25

1.61

2.17

TOTAL LOAN PORTFOLIO (EUR billions)* BIG AND FAST GROWING MARKET

* In accordance with analysis made by RA Expert rating agency

** In accordance with Central Bank of Russia

Online lending in 2018 grew 5 times faster than offline lending

147 million population

Loan portfolio of the Russian market has increased 2.5 times in 5 years (from 2013Y to 2018Y)

During 2018 total online loan portfolio doubled and reached 19% of the total country portfolio**

Consumer loan repayment discipline is similar to European market

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www.metrokredit.ru

COMPANY STRUCTURE BY DEDICATED TEAMS

Experienced CEO12 years on the market (GE Money Bank, OTP Bank, RSA

Group, Platiza (MFI)

Data science experts and neural networks

geeks in scoring team

Experienced management team. Top-tier professionals

from leading RU and INT companies

Proactive control and training team focused on finding and fixing every

inefficient process

COO

• Quality and Training Team

• Extension Team• Debt collection Team• Customer Support Team

CTO

• Product owner Team• IT Operations Team

Portfolio manager

• Risk Team• BI Development Team• Data Analytics Team

CFO

• Financial Planning and Reporting Team

• Accounting

HRD

• HR Team• Administrative Team

Head of legal

• Legal Team• Compliance Team

CMO

• Acquisition Team• Conversion Team• Retention Team

CEO

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www.metrokredit.ru

FINANCIAL DATAVERIFIED BY A CERTIFIED AUDITOR

0.1 0.4 1.12.1

4.6

9.2

19.5

0

5

10

15

20

25

2017Q4 2018Q1 2018Q2 2018Q3 2018Q4 2019Q1 2019Q2

INTEREST REVENUE, EUR MILLIONS

0.3 1.1 2.97.4

16.9

28.0

44.7

0

5

10

15

20

25

30

35

40

45

50

2017Q4 2018Q1 2018Q2 2018Q3 2018Q4 2019Q1 2019Q2

ORIGINATED LOANS (CUMULATIVE), EUR MILLIONS

Our strategy: rapid growth and takeover of a large share of the Russian single payment loans market

Our target: become TOP-3 non-bank consumer lender by the end of 2019Y in the Russian market

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www.metrokredit.ru

FOCUS ON FURTHER DEVELOPMENT

Increase the volumeof issued loans and the Company’s share in the

Russian consumer lending market

Provide streamlined application and evaluation process to ensure the best

customer experienceImprove and

automate the scoring process

Focus on loyal customers

Become TOP-3 non-bank consumer lender in Russia

by Q4 2019

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www.metrokredit.ru

BUSINESS MODELOPERATIONS

Structure –MFI with object

limited to granting microloans

Main business line – unsecured consumer single payment loans

Reliable client identification

through modern tech solutions

Target audience –private individuals at

the age of 20-70 years

Fully automated solvency check

(scoring) process

Client can get a loan within

3 minutes of online

application

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www.metrokredit.ru

PRODUCTSINGLE PAYMENT LOAN

Loan amount 30 – 450 EUR

Loan termup to 30 days

Average loan size 112 EUR

Repayment at maturity date

Possible loan term extension of 7, 14, 30 days

Multiple loan extensionpossibility

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www.metrokredit.ru

THANK YOU