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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