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