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Serving the Financially Underserved
Mark Ruddock, CEO 4finance
Madrid
INTRO TO 4FINANCE
Madrid
Short term
loans
Installment
loans
Point of sale
loansCredit
cards
DepositsLines of
credit
16
Countries
Helsinki
DAILY STATISTICS
Helsinki
3 secondsAverage decision
time
23,000Risk decisions
per day
16,600+Loans issued
per day
15 mins92% of all
payments
to banks
€3,500,000+Issued each
day
Berlin
DEEP EXPERIENCE
Berlin
8,800,000+Registered customers
33,000,000+Online applications reviewed
€5,000,000,000+Loans issued
€1,200,000,000+Annual loan run rate
Buenos Aires
SOLID PERFORMANCE
Buenos Aires
Interest income
149
220
318
393
2013 2014 2015 2016
€m
5360
7481
2013 2014 2015 2016
Profit before tax
€m
Tbilisi
BROADLY DIVERSIFIED
Tbilisi
Latvia8% Lithuania
2%
Finland5%
Sweden5%
Poland25%
Georgia4%
Denmark9%
Spain18%
Czech Republic
5%
Bulgaria8%
Romania7%
Argentina2%
Other2%
Geographic coverage
Interest income
Single Payment
Loans41%
Line of Credit / Cards
2%
Instalment loans39%
Point of Sale10%
SME8%
Product portfolio
Net receivables
Prague
THE OPPORTUNITY
Prague
2.5BB
Financially
underserved
700MM
aspirational
near prime
Fast growing
middle class
emerging
markets
Disenfranchised
millennial class
developed
markets
Stockholm
THE CHALLENGES
Stockholm
Limited actionable
credit data
Small tickets
low LTV
Mobile
internet
dependent
Tough
KYCLimited FS
exposure
Complex
regulatory
frameworks
Copenhagen
REQUIRED EXPERTISE
Copenhagen
World class data
science & wide
aperture scoring
Strategic
partnerships
Mobile
first thinking
Multi-region
multi-regulator
expertise
Banking
competency &
licenses
Artificial
intelligence &
automation
Riga
4FINANCE – UNIQUELY POSITIONED
Riga
Automation and
self service
capabilities
Deep
scoring
expertise
Mobile
first
Multi-product
multi-region
experience
Unique scale
and expertise
Simple,
transparent
products
Diversified
product suite
Well capitalized,
profitable,
disciplined
Unique
strategic
partnerships
Thank You
Mark Ruddock, CEO 4finance