ITF Group JSC Instant Targeted Financing

Transcription

1 ITF Group JSC Instant Targeted Financing

2 2017 Innovation and process automation Automated multi-factor credit matrix implementation Our History ITF Group JSC is an innovative non banking financial institution that provides large portfolio of financial services to borrowers Steady Growth and Expansion ITF Group JSC has gained considerable market share in both online and offline markets and has served more than customers EoY GetCash brand was launched With the fast growth ITF Group JSC launched its offline brand GetCash New products introduction 2014 As the brand grew SmileCredit launched its installment loan in the middle of the year SmileCredit brand was launched 2013 In 2013 our first entirely online based brand was launched with its payday loan Company registration 2012 December 2012 ITF Group JSC was established 2

3 Vision Mission Values Using the opportunities on the local market, our company strives to become one of the systematically important non banking financial institutions in Bulgaria, which helps to secure better access to financial resources for ordinary people. Our mission is to be a modern non-bank financial institution with the purpose to use fully its positions on the local nonbanking market with its main focus on the local active population and/or pensioners. Long term perspective a clear and working long term program for the Company s development Skills and experience Good standing Responsible relationships Partnership it stimulates interconnection, mutual respect and support 3

4 Key Facts Licensed and regulated by the Bulgarian National Bank Presented online and offline Profitable since launch Six offices in major cities More than 96% customer satisfaction 4

5 Key Figures Number of loans granted 109 Number of employees Credit applications every month 40% Approval rate Narrow Target 77% Avarage growth per year 30% New clients per month 5

6 Core Competencies AUTOMATION Internal IT department integrates technologies needed to achieve maximum automation and effectiveness Automation BORROWING CONSERVATISM Credit risk balanced management resulted in revenue from first year on Teamwork Borrowing conservatism TEAMWORK Gathering knowledge with experience to achieve more Propriatery Technology CORE COMPETENCIES Sinergy SINERGY Being an online loan provider and at the same time having a network of offices and consultants gives us the unique advantage of studying digital behavior of our customers while being next to them PROPRIATERY TECHNOLOGY Company platform and all supporting tools are internally developed with deep business know-how and technology craftsmanship Digital Expertise DIGITAL EXPERTISE Experience and expertise in online acquisition and provision of services 6

7 Our Products by Brands 01 Payday Loan up to 30 days 01 Credit Advance 15 day repayment loans up to 20 installments 02 Installment Loan up to 12 months 02 Monthly Loan monthly repayment loans with up to 12 installments 03 Retirement Loan monthly repayment loans for retired people with up to 12 installments 04 Weekly Installment Loan weekly repayment loans up to 43 installments 7

8 Loan Originatinations* % Year 2013 Year 2014 Year 2015 Year 2016 Year 2017 (estimate) Yearly average growth ITF Group JSC averages 77% growth in sales annually *Amounts are in EUR 8

9 Revenues* % Year 2013 Year 2014 Year 2015 Year 2016 Year 2017 (estimated) Yearly average growth ITF Group JSC averages 103% growth in annual revenues *Amounts are in EUR 9

10 Customer Profile CUSTOMER BY GENDER AVERAGE CUSTOMER AGE % 52 % 10

11 Why Us? We in ITF Group believe that the future of lending and investing is based on the prospective of non boundaries approach to customers needing financial help and investors seeking higher returns. We think that anyone should be allowed access to financial help irrespective of his/hers employment status and credit record. Our mission is to stand against financial exclusion of certain social groups and by doing that we bring you closer to your needs. On the other hand, by using innovation and technology, our company aims to provide investors with a portfolio of loans that secures low risk and higher yields. 11

12 Contact Us Address: Alexander Stamboliyski blvd , Sofia, Bulgaria Phone: (359)

13 ITF Group JSC is a private company registered in EU. 13