The Global and European Remittance Markets: State of Play

A Euronet Worldwide Company

Global Forum on Remittances and Development

Ria Money Transfer

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Europe38,000+ locations 75 stores

Africa14,000+ locations

Asia Pacific127,000+ locations 3 stores

Americas66,000+ locations 151 stores

Global HQ, California

EMEASA HQ, Madrid

2010 2011 2012 2013 2014

110,000

146,000

177,000

216,000

243,000 Locations Growth

CARG 4Yrs: 22%

Ria´s Worldwide Network

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Ria´s European Transaction

2012 2013 2014 2015

Africa America Asia Europe

21%23%

4.4%

3.4%

2.5%

5.2%

8%Average global cost:

Ria’s average cost: 3.8%

31% 28% 26% 27%

36% 34% 31% 30%

15%18%

21%20%

19%

20%

Breakdown by Continent of European Money Transfer Transactions

Cost of remittances

To Europe:

To Asia:

To America:

To Africa:F

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Ria´s secret sauce; Ethnic Entrepreneurs