Presentation of the company - Comperia.plrelations.comperia.pl/images/...of_the_company.pdf · The company’s seat is in office building Konstruktorska Business Center, on the territory

INTRODUCTION

01’

COMPERIA.PL www.comperia.pl

Phone: +48 22 642 91 19| Email: [email protected]

Present in daily work

MISSION OF COMPERIA.PL

Milions of customers monthly searches products and services on internet. Comperia.pl, due to financial,

insurance and telecommunication comparing websites, serviced by qualified specialists, shows market in a

comprehensive way while transparently presenting offer parameters – this way it allows for comparing and

selecting the best services or product.

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4

COMPANY’S MANAGEMENT BOARD

Bartosz Michałek President of Management Board

Co-founder and dominating stockholder (8,69%) of Company.

Graduate of Warsaw School of Economics and Warsaw University. Experience in „consumer finance”:

Expander, Open Finanse, Noble Bank.

Karol Wilczko Vice-President of Management Board

Co-founder and dominating stockholder (8,4%) of Company. Graduate of Warsaw

School of Economics. Experience „consumer finance”: Raiffeisen Bank,

Open Finance, Noble Bank.

https://twitter.com/comperia

https://www.facebook.com/Comperia

https://plus.google.com/117614496140493822329/posts

https://www.linkedin.com/company/3334163



Konstruktorska Business Center

COMPANY SEAT

The company’s seat is in office building Konstruktorska Business Center, on the territory of the biggest

Warsaw office-business complex at Domaniewska Street. Modern, spatial office meets all company;s needs,

provides great conditions for employees and is perfectly located to organise meetings with strategic partners

of the company.

49

www.comperia.pl Phone: +48 22 642 91 19| Email: [email protected]

6

COMPERIA.PL

Which distinguish our

business

INVESTMENT ADVANTAGES EXPERIENCE, POPULARITY

Incorporated in 2007 (ebroker.pl 2008, totalmoney.pl 2009). Place no. 1262

in Poland as cocerns popularity of websites (ebroker.pl place no. 5001,

totalmoney.pl place no.1937)

DYNAMIC INCREASE OF PROFITS AND REVENUES

CAGR of revenues in 2010 – 2014 = 82,79%

CAGR of net profit in 2010 – 2014 = 76,0%

QUICKLY DEVELOPING INTERNET ADVERT MARKET

CAGR of value of internet advertising market in Poland in

2007-2013 = 21,9%**

COMPTENENT MANAGEMENT BOARD

Bartosz Michałek and Karol Wilczko in total hold 17,09% of capital share of

the Company.

ENTERING INSURANCE SEGMENT

In October 2013 tere were completed works on insurance application the

first implementation of which took place in 2014.

ENTERING GSM SERVICES SEGMENT

In July 2014 Comperia.pl S.A. was joined by TELEPOLIS.PL. There was

started comparing website of GSM suppliers offers.

* Data from Alexa.com as of December 2014

** Data from report „IAB/PwC AdEX 2013”

FUNDS FROM ISSUE (2014), ENTERING MAIN MARKET OF WSE

The Company holds big investment opportunities, it may be consolidator on

Polish e-commerce market.



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7

COMPERIA.PL

Structure of stockholders pursuant to number of stocks. Composition of Management

Board and Supervisory Board:

CORPORATE GOVERNANCE

Bartosz Michałek – Prezes Zarządu

Karol Wilczko – Wiceprezes Zarządu

MANGEMENT BOARD OF THE COMPANY

Derek Christopher – Chairman of Supervisory Board

Marek Dojnow

Przemysław Czuk

Jacek Łubiński

Tomasz Góreczny – independent member of Supervisory

Board

Source: company

SUPERVISORY BOARD





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8

COMPERIA.PL

Structure of stockholders pursuant to

number of votes:

CORPORATE GOVERNANCE

In Issuer’s stockholders there are a couple of institutional

investors inclusing TFI.

Among 2 157 891 of existing stocks, 685 717 and name,

privileged ones as for the vote (two votes per one stock).

The name stocks are held by Talnet Holding Limited

(entity related to Dariusz Wojdygą) and Marek Dojnowa

and Adam Jabłoński.

Decisions of Supervisory Board requiring consent of

independent member:

- Transactions with subsidiaries,

- Appointment of chartered auditor.

Source: company





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9

COMPERIA.PL

Comperia.pl S.A.

BUSINESS MODEL

INTERNET USERS

BANKS

Internet user compares financial

products of the banks on Issuer’s

portal

Internet user selects the most

beneficial offer while leaving his

contact data– „lead”

Comperia.pl submits customer’s data

to bank. Then, the bank pays to the

Comoany a fee for „lead” (fixed value,

irrespectively of the fact whether the

customer purchases the product)

COMPERIA

Bank contacts potential customers





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10

COMPERIA.PL

Comperia.pl S.A.

BUSINESS MODEL

A

B

C

D

The company services all active in internet

banks supplying tchem each month a

couple of dozens thousands potential

customers.

In 2014 number of portal visits kept by the

Issuer amounted into 16,69 milion.

Revenues of Comperia.pl S.A. mainly come

from efffectiveness advertising market–

submission of contact data (so-called

„leads”) of potential customers to banks.

The Company diversifies its actions by

enterint new market areas, among others

telecommunication market while launching ,

GSM services comparing website and

purchasing portal TELEOLIS.PL.

A

B

C

D





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11

COMPERIA.PL

Wide portfolio of sercives increases reach and finding customers in Google

MULTI BRANDING – STRATEGY OF BUILDING REACH

Main portal in group.

Comparing website of

financial offers and GSM

COMPERIA.PL Telecommunication information

service and GSM offers

comparing website

TELEPOLIS.PL

Portal of Company’s

partnership program

COMPERIALEAD.PL





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12

COMPERIA.PL

Wide portfolio of services increases reach and finding customers in Google

MULTI BRANDING – STRATEGY OF BULDING REACH

Comparing website of

mortgage credits

EHIPOTEKA.COM

Bonus Program

Comperia Bonus

COMPERIABONUS.PL

Loyalty platform for

customers of

Comperia.pl

COMPERIABONUSCLUB.PL

Internet localiser of

bank outlets

BANKI.PL





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13

COMPERIA.PL

Telepolis.pl – the biggest telecommunication portal

ACQUISITION OF TELEPOLIS.PL

BIG SOCIETY Over 1 400 000 loyal users monthly

PROFESSIONAL CONTENT Thousands of articles, tests, branch news

FIRST COMPARING WEBSITE Poland’s first GSMA comparing website –

agreements with all operators





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14

COMPERIA.PL

New brand in Comperia Group

COMPERIA BONUS

3 editions of promotion: BGŻ Optima, Meritum Bank, Raiffeisen Polbank

Marketing: TV, affiliation, bloggers, internal actions

Results: Lead Rate: 24%, Conversion Rate: 73%

THE BEST PRODUCT

Our objective analysts select the best

deposit product without „hidden info”,

which we present to the customers.

ADDITIONAL BONUS

We communicate that each charged

deposit shall be awarded with

additional financial bonus.

BIG REACH The offer is recomended by Comperia.pl

services, the biggest affiliate partners,

bloggers and promoted by wide

marketing actions.





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15

COMPERIA.PL

March 2015

TV CAMPAIGN

Broadcasting time 15 and 30 seconds

Total budget PLN 700,000

Concentration an reach

4000 spots – 3 weeks

31 967 400 advertising contacts





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16

COMPERIA.PL

Comperia.pl in adverts of its customers

RELATIONS WITH BANKS





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17

COMPERIA.PL

Key media in Poland:

We are quoted by





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18

COMPERIA.PL

Social loyalty platform to recommend the Issuer’s products

COMPERIA BONUS CLUB

80 RECOMMENDATIONS Record number of

recommendation of club

member in one week

5 TOOLS Dedicated tool for club

members for

recommendation

4 LEVELS Memberships: basic,

silver, gold, platinum

10 000 INVITATIONS Sent to customers of 1st

and 2nd edition of

Comperia Bonus

3850 REGISTRATIONS In club until 17.04.2015 –

the number is still growing

1300 RECOMMENDATIONS Persons involved in

promoting and

recommending Comperia

Bonus 3, among friends

and family





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19

COMPERIA.PL

Blogosphere also for beginners!

COMPARE YOURSELF

Free positioning

Blogosphere is based on ComperiaLead partnership program. The project is mainly devoted to individuals who don’t have experience in keeping own pages or blogs.

Start: January 16, 2015 Active users: 32 Number of recorded blogs: 77

Free WWW

WordPress templates

Training for bloggers





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20

COMPERIA.PL

Better propagating content

COMPERIA ANALYTICS

MORE REFERENCES Comperia Analytics application allows for preparation of

advanced analyses on bank products pursuant to over 2

thousand offers. The data cover not only current situation

on market but also show how within latest 5 years it

shaped. Comperia Analytics is availabe for everyone, free

of chargé,shall be developed and supplemented by

further functions and products.





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21

Innovative technology for Insurance Agents

COMPERIA AGENT

Scale of activity Of our system

Until today technology of

Comperia Agent supports and

helps in work of over 100 agents

of Comperia Ubezpieczenia and

around 1000 cooperating

agents.

Full monitoring Of Agents’ work

Facilitating work Of Insurance Agents

Comperia Agent ensures monitoring of activness of whole network, teams and certain agents (sale results, delegating tasks, preview of calendars).

Comperia Agent allows for

effective management of

customers’ database and

policies of all agents in

distribution network. Fast

and simple settlements

management (automatic

computations setting rates of

commission).



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COMPERIA.PL

Phone customer service – maximising revenue on „lead”

OTHER ADVANTAGES

40 000 leads/ month

12 people in team

Calls back in 5 mins

SALE ACTIVITIES

Call center also conducts activities of

active sale – while woring on archive base

of 270 000

Customers from Comperia.pl system

QUALIFIED CC Team of call center specialists

contact all leads while being found in

base verifies it and provides services

of customer service center. After

receiving a lead, a consultant calls

back in 5 minutes.





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23

COMPERIA.PL

Financial customers

database

OTHER ADVANTAGES

ENTIRE DATABASE 270 000 customers who as routine use financial

services – personal and phone-address data.

CASH CREDITS 120 000 customers interested in cash

credits.

BANK DEPOSITS 50 000 customers interested in deposit

products.

BIGDATA SYSTEM Personalised sms messages find

customers on the moment of their

purchase neeed.

01’

02’

03’

04’





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24

COMPERIA.PL

Milestones in history of Company’s activity

DYNAMIC DEVELOPMENT

Comperia.pl S.A. was formed as „start-up” project supported by financial investors.

The Company’s development is reflected in dynamically growing revenues.

0

500

1 000

1 500

2 000

2 500

3 000

3 500

4 000

V 2007 B. Michałek

and K.

Wilczko

launch

serwisy

finansowe

Online Sp.

z o.o.

X 2007 Obtaining

financial

investors: Talnet

Holding

(subsidiary with

D. Wojdyga)

andFidea Capital

(subsidiary with

M. Dojnow) .

Name change

into„Comperia.pl”

. VI 2007 Launching portal

eHipoteka.com.

III 2008 Launching

portal„Comperia.

pl”.

IX 2008 Launching

affiliation

program

II 2010 Gaining

operational

profitability

XII 2011 Debut on market

of New Connect.

V - VI 2011 Acquisition of

portal Banki.pl,

launching portals:

Autoa.pl and

Kontoteka.pl

XI-XII 2013 Incrase of demand

of financial

institutions for

credit customers,

execution of

orders within IT

services

VI 2013 Appointment of

independent

member of

Supevisory

Board

(Przemysław

Kruszyński).

VI 2014 Acquisition of

TELEPOLIS.PL.

Entering market by

internet GSM

comparing websites

VII 2014 Launching new

brand - Comperia

Bonus





MARKET OF ACTIVITY

02’

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26

COMPERIA.PL

Discussion of competition on Polish and foreign markets

BENEFICIAL COMPETITIVE STANDING

Revenues of Moneysupermarket.com in division into segments of activity

The place of main financial comparing websites in Poland in world ranking of

popularity of websites in periods: April – September 2014

Rok

założenia

Notowana

na giełdzie

Miejsce w

rankingu

Alexa.com

(strony

polskie)*

Comparing of Comperia.pl and its main

competitiors

Pursuant to data of Google Analytis

Comperia.pl is a leader as concerns

popularity among internet users gathering

on its websites over 2 milion of unique

visits per month while generating almost

6 milion openings. Source: the Company

* Data from Alexa.com for March 2015 within Polish websites (chart on the right side of

slide presents scope for whole world – lack of possibility of generating chart for websites

only from Poland)

2007

2008

2009

Tak

Nie

Nie

1 264

1 979

5 015

Examples of actions on foreign

markets

Big scale of financial comparing

websites acting on foreign market

indicates significnat potencial of

market of comparing websites in

Poland.

Company Scope of activity Country Capitalisation (milion PLN)* Revenues

2014 (milion PLN)*

Net profit

2014 (milion PLN)*

Source: Thomson Reuters, NBP, Annual report Moneysupermarket.com for 2014

* 1 GBP = 5,73 PLN, 1 USD = 3,90 PLN, capitalisation for 18/03/2014

** Bankrate Inc is a leading financial comparing website in the US offering possibility of comaparing such products as mortgage credits, credit cards, insurance products, investment products, OAP plans and car credits.

Moneysupermarket.Com

Group PLC

Great Britain Financial comparing website 6173 1 422 303

Bankrate Inc** USA Financial comparing website 4923 1 787

- 39

Incorporation year

1999

1976

milion PLN 2013 2014

Financial products 276 23% 338 23%

Insurance products 677 56% 791 56%

Offers of travel agencies 94 8% 130 9%

Offers of operators of power 117 10% 128 9%

Other 33 3% 36 3%

Sum 1197 100% 1423 100%

Insurance products ; the

biggest and mostly

growing segment

Website Moneysupermarket.com primarily

was founded in order to make possible for

consumers comparing a scope of financial

products and services available on the

market. From the moment of launching the

service Moneysupermarket expanded its

sevices by among others: insurance

products, offers of travel agencies, offers of

mobile telephony operators or offers of

power operators.

comperia.pl

totalmoney.pl

ebroker.pl





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27

COMPERIA.PL

in direction of „direct” model

FORECASTED SHIFT OF SHIFTING INSURANCE MARKET

Value of market of insurance sale „direct” (by internet or phone) in 2013

amounted into PLN 1,175 bilion (comparing to PLN 1,2 bilion in 2012 which

means fall of 1,2% r/r).

5,18 milion policies in direct system i.e. purchased with the use of

internet or phone.

The most popular, sold by internet, insurance

product are civil liability car insurance (55,9%) and

autocasco (20,5%), there is also visible increase of

interest in other type of insurance

PURSUANT TO DATA OF POLISH CHAMBER OF INSURANCE

IN 2013 INSURANCE INSURANCE COMPANIES ISSUED IN TOTAL

PURSUANT TO DATA OF POLISH CHAMBER OF INSURANCE





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28

COMPERIA.PL

On the example of MoneySuperMarket.com

WORLD FINANCIAL COMPARING WEBSITES

Financial comparing websites are adroitly developing

segment of services in the world. British

MoneySupermarket is one of the biggest of this type of

businesses the stocks of which are listed on London Stock

Exchane.

Financial investors appreciate this business model which is

shown by below chart of company’s prices of stocks.

Comperia.pl is a leader in Poland on market of comparing websites in section: finance (credits,

deposits, etc.), dynamically builds items in section of insurance. After taking over TELEPOLIS.PL it shall

win a telecommunication market. There is planned entering subsequent segments: for example energy.





STRATEGY

02’

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30

COMPERIA.PL

Focused on increase of value

COMPANY’S STRATEGY

Strategy of development

Increas of obtained internet movement, maximising index of

conversion and number of leads to financial and non-

financial recipients

Poland’s insurance agency Extending portfolio of offered

services

Development of infrastructure

and marketing activities related

to Company’s portals

Development of

ComperiaLead

partnership program

Starting comparing websites

of services of mobile

telephony operators, power

suppliers, Internet, cable TV

Dynamic development of

Comperia.pl

Convincing existing, big

insurance agencies for

common use of Issuer’s

insurance application

Increase of base of new

articles, rankings, analyses

and expertise

Development of ComperiaLead

Mobile

in order to reach a new base of

potential partners and customers

Building network of own

insurance agents

functioning within

subsidiary Comperia

Ubezpieczenia Sp. z o.o.

Incfease of number of

cooperating institutions





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31

COMPERIA.PL

Combining online and offline

segment

FORMATION OF INSURANCE AGENCY

Stable development of

sector of insurance

Dynamic develooment of

internet Growing recognition of

Comperia

• Insurance sector in Poland has a stable

growth.

• Value of market of insurance in Poland

during the latest 7 years was doubled

• Within latest years one may observe a dynamic

increase of number of internet users in Poland

• Presently 72% households in Poland has

acceess to internet and expects a further

increase of the index

• The frist Poland’s financial comparing

website – segment creator in Poland

• Each month is supplies for financial

institutions over 19 000 customers

Prerequisites of entering into sale, online as well as

offline

Online insurance (sale by

internet) Offline insurance (sale by

means of agents)

Growing significance of

e-commerce market in Poland and in the world

Reluctance of part of customers to

purchase insurance by internet

• Part of Poles does not trust towards purchasing

insurance products by internet

• In effect the biggest players of „direct” market also start

sale of insurance by agents (for example Link4, Liberty

Direct)

• The estimates indicate that Polish

e-commerce market increased in 2012 by

23,0% to the value PLN 21,5 bilion and

increase in 2013 should amount, pursuant

to forecasts around 21,4%. („E-commerce”

SMB Report, Kelkoo i Forrester Research

published in March 2013)

Possibility of reaching customers

with a wider offer

• Part of insurance products is not predestined to sale

by internet (for example life insurance) – this product

is the best used for sale by agents

• „ComperiaLead Mobile” application shall allow

cross-selling of other producs on the occassion ot

sale of insurance products

Source: company





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COMPERIA.PL

Joining online and offline segments

FORMATION OF INSURANCE AGENCY

Gaining own insurance agents within new multiagency

MULTIAGENCJI (COMPERIA UBEZPIECZENIA SP. Z O.O.)

Gaining customers (online

and office)

Making available insruance

application for own agents

and paid making available

application to external

agents

Concluding insurance

agreemnt in a remote way

by internet of by call

center

Directing customers wo don’t want to

purchase online insurance for own

insurance agents

Sale of other leads to insurance associations

(potential customers who want to conclude

agreement with insurance association)

1

4A

2 3

4B 4C

AGENTS CUSTOMERS





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COMPERIA.PL

Partnership program no. 1

DEVELOPMENT OF COMPERIALEAD.PL


INNOVATIVE PARTNERSHIP PROGRAM From tools of ComperiaLead each month are used by thousands of partners. Due to innovative

approach the biggest Polish portals selected ComperiaLead for develoment of its business – among

others: onet.pl, wp.pl, otodom.pl, autotrader.pl, gratka.pl, domiporta.pl,

wyborcza.biz, regiomoto.pl

A couple of dozen thousands of „leads” From affiliates of each month

coming to banks

Mobile program The first program available by

means of mobile application

PLN 2 000 000 of withdrawals Of commissions for our affiliation

partners in 2014

4000 partners Including the biggest portals on

the market and influencial

bloggers

COMPERIA.PL





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34

COMPERIA.PL

Company’s activities in order to increase number of „leads”, movement and brand awareneness

MARKETING STRATEGY

0

200

400

600

800

1 000

1 200

2010 2011 2012 2013 2014

Expenditures of Group for oogle

Adwords

in Google

New areas of activities: comperiabonus.pl,

telepolis.pl, program lojalnościowy CBC

Public Relations: publications in branch

services and on blogs

Dedicated context advert in ecommerce

services

Context facebook ads and remarketing

advert

Until May 2014 the Company’s activities including in this scope focused on

SEM and stook for placing Company’s portals in paid, distinguished zones

of results of „Google” engine search.

At the beginning of 2nd quarter the Company diversified activities with new

channels of obtaining customers while starting a context effective advert

display in big services among other announcement ones. It allowed to

reduce expenditures for SEM and significantly decrease costs of obtaining

customers interested in Comperia.pl products

One of big achievemetns in the frist half year, was entering into group a

new brand, Comperia Bonus. Within the brand the company on cycles

stocks allowing the users for using the product of one of the partners,

receiving monetary Bonus.

After test TV campaigns the Company ceased next broadcasts of TV spots

in present form while focusing on effectiveness activities.

Part of market activities of Company is on the rule of barter. The marketing

services subject to barter are image adverts.





FINANCE

03’

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36

COMPERIA.PL

Increase of revenues and results, safe financing structure, ability of generating cash

DYNAMIC INCREASE

Consolidated data 2010 2011 2012 2013 2014 IH 2014 IH 2015

Net revenues on sale 1 555 3 918 6 821 13 181 17 319 7 239 11 970

Costs of operational activity 1 114 2 616 5 449 10 327 16 607 6 938 12 083

EBIT 440 1 305 1 753 3 441 1 727 651 846

EBITDA 504 1 507 2 632 6 002 6 317 3 900 2 617

EBITDA* 504 1 507 2 632 6 002 4 091 1 674 2 617

Net profit 439 1 248 1 487 2 716 4 215 3 144 765

Depreciation 63 203 879 2 561 2 364 1 023 1 771

Fixed assets 78 529 4 463 7 945 18 702 16 023 20 703

Current assets 614 2 719 1 942 7 338 11 730 12 026 9 861

Total assets 691 3 248 6 405 15 283 30 432 28 049 30 564

Equity capital 512 2 494 3 984 9 786 23 631 22 560 24 525

Short-term liabilities 159 643 2 218 3 964 3 302 3 753 3 042

Long-term liabilities 0 0 203 1 533 3 499 1 737 2 997

Net cash flow on operational activity 185 -213 2 991 5 567 3 951 -546 2 990

Net cash flow on investment activity -109 -599 -3 760 -5 815 -9 374 -5 215 -3 669

Net cash flow on financial activity 121 1 002 622 2 396 9 630 9 630 0

Total net cash flow 197 190 -147 2 147 4 207 3 869 -679

Source: Consolidated financial statements of the Company for the period: 2010-15 drawn up pursuant to MSSF; * adjusted data on profit on occassional profit





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37

COMPERIA.PL

Increase of revenues and results, safe financing structure, ability of generating cash

DYNAMIC GROWTH

Unit data 2010 2011 2012 2013 2014 IH 2014 IH 2015

Net revenues on sale 1 555 3 918 6 821 12 855 18 017 7 885 12 391

Costs of operational activity 1 114 2 616 5 449 9 755 15 406 6 660 10 827

EBIT 440 1 305 1 753 3 687 3 573 1 653 2 307

EBITDA 504 1 507 2 632 6 247 7 999 4 855 3 940

EBITDA* 504 1 507 2 632 6 247 5 773 2 629 3 940

Net profit 439 1 248 1 487 2 962 5 769 4 148 2 192

Depreciation 63 203 879 2 560 2 200 977 1 633

Fixed assets 78 529 4 463 8 463 20 834 18 714 23 886

Current assets 614 2 719 1 942 7 470 10 780 11 858 9 138

Total assets 691 3 248 6 405 15 933 31 614 30 572 33 024

Equity capital 512 2 494 3 984 10 032 25 432 23 810 27 623

Short-term liabilities 159 643 2 218 4 368 3 084 5 026 2 715

Long-term liabilities 0 0 203 1 533 3 099 1 737 2 685

Net cash flow on operational activity 185 -213 2 991 6 290 5 259 1 589 4 634

Net cash flow on investment activity -109 -599 -3 760 -6 574 -11 210 -7 342 -4 787

Net cash flow on financial activity 121 1 002 622 2 396 9 630 9 630 0

Total net cash flow 197 190 -147 2 112 3 679 3 877 -153

Source: Unit financial statements of the Company for the period: 2010-15 drawn up pursuant to MSSF; * adjusted data on profit on occassional profit





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38

COMPERIA.PL

Pursuant to segments of activity (data in thousand PLN)

SALE REVENUES

Source: Consolidated financial statements for the period: 2013-15 drawn pursuant to MSSF; * data adjusted with profit on occassional purchase

Segment IH 2015 Share IH 2014 Share Δ r/r 2014 Share 2013 Share Δ r/r

Credit products 3 393 28% 2 671 37% 27% 6 074 35% 5 131 39% 18%

Deposit credits 5 214 44% 1 760 24% 196% 5 054 29% 1 327 10% 281%

Insurance products 159 1,3% 104 1,4% 52% 279 2% 37 0% 664%

Extra-bank products 684 5,7% 181 2,5% 277% 618 4% 55 0% 1032%

Commissions on

insurance 125 1% 19 0% 562% 117 1% 70 1% 68%

Others including IT

services 1 741 15% 2 216 31% -21% 3 599 21% 4 137 31% -13%

Barter 655 5% 287 4% 128% 1 578 9% 2 424 18% -35%

Total 11 970 100% 7 239 100% 65% 17 319 100% 13 181 100% 31%





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COMPERIA.PL

Pursuant to segments of activity

REVENUES ON SALE, EBIDTA and EBITDA MARGIN

Source: Unit financial statements of the Company drawn up pursuant to MSSF, changing, four quarters.





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40

COMPERIA.PL

Company consequenty implements its issuance purposes

CONSEQUENT STRATEGY

Implementation of all issue purposes takes place pursuant to time and cost schedule

adopted by Management Board

Issue purpose

Expenditures in

thousands in the

period: IV-XII 2014

Expenditures in

thousands in the

period: I-VI 2015

Formation of insurance multiagency 1 579 590

Development of infrastructure and marketing

actions related to Company’s portals 616 754

Development of ComperiaLead partnership

program 3 212 169

TOTAL 5 407 1 512

* The above-mentioned expenditures are presented as WNIP in balance sheet





NON-FINANCIAL INDEXES

04’

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42

COMPERIA.PL

For the Company

KEY INDEXES

Name of index IH 2015 IH 2014

Δ r/r

2014 2013 Δ r/r

Number of ComperiaLead

partners 7 453 4 024 85% 5 674 2 868 98%

Number of leads 185 604 117 307 58% 269 374 191 666 41%

Number of entries on website 12 987 157 2 791 995 365% 16 695 740 5 957 934 180%

Number of openings 31 215 040 5 279 152 491% 38 997 326 13 938 088 180%





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43

COMPERIA.PL

For the Company

KEY INDEXES

Number of leads in

division into

products

IH 2015 Share IH 2014 Share Δ r/r 2014 Share 2013 Share Δ r/r

Credit products 112 332 61% 85 264 73% 32% 191 918 71% 163 323 85% 18%

Deposit products 31 632 17% 19 927 17% 59% 39 669 15% 23 566 12% 68%

Insurance products 4 641 3% 5 289 5% -12% 10 455 4% 2 723 1% 284%

Extra-financial products 36 999 20% 6 827 6% 442% 27 332 10% 2 054 1% 1231%

Total 185 604 100% 117 307 100% 58% 269 374 100% 191 666 100% 41%





49


44

COMPERIA.PL

For Insurance

KEY INDEXES

Name of index 01.01-30.06.2015

Number of signed agreements with associations 16

Number of employed agents in multiagency 119

Collection in PLN 837 302

Commission from Insurance Association for Company 124 569

Number of performer calculations in Comperia Agent 5 969

Number of signed agreements with Agencies for use of

Comperia Agent application 4





ATTACHMENTS

05’

49


46

COMPERIA.PL

Of internet in Poland

GROWING AVAILABILITY

Access to internet in Poland on rural areas (% households.)

Potencial within increase of access to internet has among

others rural areas

47%

69%

85%

0

20

40

60

80

100

2009 2012 2030P

%

Souce: Main Statistical Office, Information Society in

Poland

Access to internet in Poland

(% of households)

In 2008-2014 access to internet in Poland increased by 26 p.p

Source: Main Statistical Office, Ministry of Administration

and Digitalisation

Reasons of lack of access to internet in Poland (data for 2012)*

Most of them may be eliminated

Access to internet in selected European countries

(% of households in 2013)

Poland is placed below average for UE27

Systematic

increase of

access to

internet in

Poland gives

rise to increase

of viewing the

portals

belonging to the

Issuer

49%

59% 64% 67% 70% 72% 75%

0%

10%

20%

30%

40%

50%

60%

70%

80%

2008 2009 2010 2011 2012 2013 2014





49


47

COMPERIA.PL

On internet advertising market

DYNAMIC GROWTH

Divsion of expenditures for internet

advertising pursuant to sectors (2013)

Financial and motorisation sector spend

most for online advertising

Source: IAB Polska / PwC AdEx 2014

Value of internet advertising market in Poland (bilion

PLN)

Over three-time increase of market value in 2007 – 2013

Dynamics of value of advertising market in

selected parts of Europe (2012 vs. 2011)

Market of advertising in CEE develops faster

than in Western Europe.

0,7

1,2 1,4

1,6

2,0 2,2

2,4

0,0

0,5

1,0

1,5

2,0

2,5

3,0

2007 2008 2009 2010 2011 2012 2013

Value of





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48

COMPERIA.PL

Increase of value of internet advertising

POLAND IN GROUP OF COUNTRIES OF BIGGEST POTENTIAL

20 40 60 80 100 120

-5%

-0%

5%

10%

15%

20%

25%

30%

35%

40%

Expenditures for internet advertising per capita (in EUR)

Dyn

am

ics o

f ch

an

ges o

f v

alu

e o

f in

tern

et

ad

vert

isin

g m

ark

et

Size of buble of certain countries means scope of market

Data for 2013

Poland

Italy

Rosja

Turcja

Czech Republic

Ireland

Bulgaria

Serbia Hungary

Spain

Greece

Slovenia

Croatia

Belgium

France

Austria

Finland

Germany

Switzerland

The Netherlands

Sweden

Denmark

Great Britain

Norway

Poland is in the

group of

European

countries of the

lowest

expenditures for

internet

advertising per

capita

and the biggest

dynamics of

change of value

of this market.

Souce: IAB AdEx Benchmark 2013, IHS Electronics & Media





THANK YOU And we invite to cooperate

www.comperia.pl [email protected]

Documents

Presentation of the company - Comperia.plrelations.comperia.pl/images/...of_the_company.pdf · The company’s seat is in office building Konstruktorska Business Center, on the territory