INVESTOR PRESENTATION 2018Q3 RESULTS. November, 2018
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1 INVESTOR PRESENTATION 2018Q3 RESULTS November, 2018
2 DISCLAIMER This presentation is of selective nature and is made to provide an overview of the Company s (SIA ExpressCredit and its subsidaries) business, based on 2018Q3 results. Unless stated otherwise, this presentation shows information from consolidated perspective. Facts and information used in this presentation might be subject to revision in the future. Any forward-looking information may subject of change as well. This presentation is not a legally binding document and none of the Company have any liability for any direct or indirect loss from the use of this Presentation. This presentation does not purport to contain all the information that investor may require in evaluating the Company. Investors should read publicly available information regarding the Company as well as the full prospectus describing a particular bonds issue.
3 BUSINESS PROFILE: BRANDS: VALUES: 3rd largest non bank consumer lender in Latvia* Pawn loans Consumer loans Simplicity Accessibility Respect Progress COMPANY: KEY FINANCIALS: *Based onreported annual revenue oflicenced non-bank consumer lenders in branches employees loan issue transactions EUR 195m + value of loans EUR 19.0m net loan portfolio (2018Q3) EUR 5.3m EBITDA (2018Q3) EUR 10.2m value of issued loans (2018Q2) 2009 established as a pawn broking chain rd largest nonbank consumer lender in Latvia
4 2017Q3 2017Q4 2018Q1 2018Q2 2018Q3 2017Q3 2017Q4 2018Q1 2018Q2 2018Q3 2017Q3 2017Q4 2018Q1 2018Q2 2018Q3 HIGHLIGHTS Launch of online store for lombards segment products. Goods are available at online site veikals.banknote.lv 9,2 9,0 10,0 10,2 16,6 15,8 18,1 17,6 19,0 1,6 1,4 1,7 1,8 1,8 Active participation in Alternative Financial Service Association of Latvia for information communication with respect to legislation initiatives. 8,5 Signed contract with AS Baltic International Bank for a new round of financing, which is intended to provide asset and share capital collateral security and target interest rate of 11% per annum. Loans issued, EURm Loans portfolio in total, EURm EBITDA, EURm
5 MARKET OVERVIEW Loan portfolio of Latvian non-bank lenders, 2017 According to The Alternative Financial Services Association of Latvia prognosis the newly issued non-bank loans in 2018 might reach million euros, with total loan portfolio increasing to m EUR. Source: Consumer Rights Protection Centre EUR 243m Consumer loans EUR 39m Mortgage EUR 324m Leasing, car title EUR 7m Pawn loans
6 MARKET OVERVIEW: CONSUMER LOANS Fast growing segment. ExpressCredit* grows even faster, it has 5%** market share. Growth 11,5% 243 Growth 44% , EURm , EURm Industry ExpressCredit * Loan portfolio data based on SIA ExpressCredit standalone net consumer and pawn loan portfolio excl. accrued interest ** Based on loan portfolio as at the end of 2017
7 MARKET OVERVIEW: PAWN LOANS Stable segment. 7 7 ExpressCredit* is the leading player with 41%** market share. 2016, EURm , EURm Industry ExpressCredit * Loan portfolio data based on SIA ExpressCredit standalone net consumer and pawn loan portfolio excl. accrued interest ** Based on loan portfolio as at the end of 2017
8 CONSUMER LOANS 61% of loans issued by value in 2018Q3 2017Q3 4,7 13,9 2017Q4 5,3 13,0 LOANS ISSUED, EURm 2018Q1 4,9 15,1 NET LOAN PORTFOLIO, EURm 2018Q2 6,0 14,6 2018Q3 6,2 16,1
9 CONSUMER LOANS Average loan tranche size per issue Average loan size per customer Weighed average term of loans issued Non-perfoming loans ratio days 325 days 6,4% 5,0% 2017Q3 2017Q4 2018Q1 2018Q2 2018Q3 2017Q3 2017Q4 2018Q1 2018Q2 2018Q3 2017Q3 2017Q4 2018Q1 2018Q2 2018Q3 2017Q3 2017Q4 2018Q1 2018Q2 2018Q3 Result of changed approach towards NPL and improved cooperation with debt companies.
10 PAWN LOANS 39% of loans issued by value in 2018Q3 2017Q3 2,7 3,7 2017Q4 2,8 3,9 LOANS ISSUED, EURm NET LOAN PORTFOLIO, EURm* * Includes car title loan and mortgage loan legacy portfolios 2018Q1 2018Q2 2018Q3 3,0 3,0 2,9 4,1 4,1 3,9
11 PAWN LOANS Average loan size per issue: Pawn mark-up: Redemption rate* Stable customer base and stable performance of lombard operations % 40% 74% 75% 2017Q3 2017Q4 2018Q1 2018Q2 2018Q3 2017Q3 2017Q4 2018Q1 2018Q2 2018Q3 2017Q3 2017Q4 2018Q1 2018Q2 2018Q3 * Items begin redeemed or extended within 3 months since issuance, by value of loans excl. item purchasing.
12 KEY FINANCIALS 13,6 Cash inflow 9,4 8,8 10,3 11,5 10,2 Cash outflow 2018H1 was the best in the Group's history in terms of turnover and profitability. 6,4 7,7 8,6 9,0 2015Q1 2015Q2 2015Q3 2015Q4 2016Q1 2016Q2 2016Q3 2016Q4 2017Q1 2017Q2 2017Q3 2017Q4 2018Q1 2018Q2 2018Q3
13 FINANCIALS 39% 37% 44% 45% 42% 1,6 1,4 1,7 1,8 1,8 3,0 3,9 3,8 3,5 2,3 2,5 2017Q3 2017Q4 2018Q1 2018Q2 2018Q3 2015A 2016A 2017A EBITDA, EURm EBIDTA margin* Net Debt/EBITDA ratio Net Debt/Equity ratio * Calculated as EBITDA / (Interest income + Gross profit from sale of foreclosed items)
14 Income statement, EUR Q3 2018Q3 %, y-o-y Interest and similar income % KEY FINANCIALS: PROFITABILITY New changes in corporate income tax has positive impact on profitability and financial ratios. Gross profit from sale of goods** % Gross profit % Selling expense % Administrative expense % Net other income / (expense) % EBITDA % Depreciation % Interest and similar expense % Taxes % NET PROFIT % * Part of interest income reclassified as gross profit from sale of foreclosed items for comparability with historic data. ** Sale of foreclosed items.
15 Balace sheet, EUR Q3 2018Q3 %, y-o-y Fixed and intangible assets % KEY FINANCIALS: BALANCE Loans to related parties % Net loan portfolio % Inventory and scrap % Other assets % Cash % TOTAL ASSETS % Share capital and reserves % Retained earnings % Profit/loss for the current year % Equity % Interes-bearing debt % Trade payables and other liabilities % Liabilities % TOTAL EQUITY AND LIABILITIES %
16 FINANCING STRUCTURE Diversified financing structure with established investor demand. Interest-bearing debt 2017Q4, EUR 000* 2018Q3, EUR 000* Secured bonds Interest rate, % Maturity Unsecured bonds % Unsecured notes % Peer-to-peer lending platform %-13.5% According to issued loans Leases Euribor + 3,5% Up to 3 years Accrued interest and bonds commissions TOTAL * As at the end of the period.
17 Ltd. ExpressCredit Raunas iela 44 k-1 Riga, Latvia LV
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