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 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 otherwise) 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.
ABOUT 3 Robocash Group is a global fintech company successfully developing in Europe & Asia since 2013. We are specialized in Micro Consumer Lending both Online & Offline. Loan Calculator Our high-tech Robotic & Automated process is our 100 USD 500 USD 15 USD DNA since inception that enables us to be Top 3 player in each of our markets. 10 days 7 days 30 days Our solutions make it easier for the Underserved by You will have to return 112 USD banks to get access to financing in a fast and Loan repayment date December 28 2019 comfortable way. APPLY NOW
THE POTENTIAL 4 South & East Asia 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 2B 850 580 mean to have full, quick and easy access to finance. Lack of credit history or remoteness of bank branches population mln adults mln adults leave local population largely in the region with an account lack a bank underserved by banks. We are remain underserved account ready to help and serve these by banks people already now. Source: South & East Asia and Pacific, Global Findex 2017
SERVING THE UNDERSERVED 5 “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% 55% 330 Online Mobile 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
FACTS ABOUT ROBOCASH GROUP 6 2013 8 1,042 9.0 mln Since Markets Staff Served employed clients 54% 603.3 13.2 17.3 mln USD mln USD mln USD Repetitive customers Total issued Marketplace Net profit in 2019 volume funds in turnover in 2019 Data as of December 31, 2019
FOOTPRINT 7 We are represented in the fast developing markets and continue our expansion EU (2017) RUSSIA 2013 2017 GDP per Penetration capita (k USD) of Internet 36.5 512.6 85.7% 11.3 143.9 76.1% Population (mln) Consumer Marketplace KAZAKHSTAN (2015) lending funding 9.3 18.6 76.4% VIETNAM (2018) 2.6 97.4 66.3% PHILIPPINES (2017) SPAIN (2016) 3.1 108.1 62.9% 30.5 46.4 87.1% 2 INDIA (2019) INDONESIA (2018) 34.1% 2.0 1,400 3.9 269.5 53.7%
WHAT MAKES US DIFFERENT 8 Expertise Robotization In-house we have been our technologies from product development and and scoring are based data-driven risk management to active in lending on ML & AI customer care and collection since 2013 P2P Platform Diversification Focus on profit to securitize we scale the Asian markets we grow more than our portfolio and operate both 100% from year in Europe online & offline to year
CONSUMER LENDING 9 Product Micro Consumer loans Installment loans Russia, Kazakhstan*, Spain, Russia Markets Indonesia, Vietnam, India Channels Online & Offline* Online Average term 20 days 8 months Average size 70~180 USD 470 USD *Kazakhstan has both channels: online and offline Net loan portfolio,% The objective is to scale the Asian markets and sustain growth in mature markets: Russia, Kazakhstan and Spain 69.2 61.5 64.9 2017 2018 2019 30.2 24.7 16.2 10.2 11.8 3.9 3.1 1.4 1.3 0.5 0.6 0.4 0.2 0.1 Russia Kazakhstan Spain Philippines Indonesia Vietnam India Data as of December 31, 2019. The Philippines provides results as of November 1, 2019
CUSTOMER PROFILE 10 Common characteristics Issuance by customer type 22.3% 46.4% Underserved by traditional banks 4 and 1 loan Having a bank account more loans new Limited credit history 9.5% 4.0% 3 loans Using finances for unexpected 1 loan 17.8% 2 loans expenses and essentials repeated Seeking for quick and convenient Clients split by age access to financing 30% 54% loans issued to returning 27% 25% customers in 2019 11% 5% 2% 18-24 25-30 31-40 41-50 51-60 61+
MARKETPLACE FUNDING 11 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 14% Annual interest rate 12-17% Term from 7 days up to 12 months from 3 to 36 months Attracted funds, mln USD EU RU 11.1 5.9 2.1 2.9 1.1 0.1 December 31, 2017 December 31, 2018 December 31, 2019
PEER-TO-PORTFOLIO PLATFORM IN EUROPE 12 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. BANK INVESTOR BORROWER INVESTOR BANK BORROWER LENDER LENDER ROBOCASH ROBOCASH
EUROPEAN INVESTOR PROFILE 13 Investment size, USD Common characteristics 15% 35% Millennials and Generation X 5,001- >10,000 Coming from Germany, Spain 16% 10,000 and Austria <1,000 13% 1-2 years of experience in P2P 21% 3,001- lending 5,000 1,001-3,000 Seeking for an automated tool and buyback guarantee Investors split by age Diversifying assets by 5 and 41% more platforms 26% 15% 10% 5% 3% 18-24 25-30 31-40 41-50 51-60 61+
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