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Limited Liability Company providing microfinance and consumer finance products Vyruchai Dengi Company’s Profile.

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Presentation on theme: "Limited Liability Company providing microfinance and consumer finance products Vyruchai Dengi Company’s Profile."— Presentation transcript:

1 Limited Liability Company providing microfinance and consumer finance products Vyruchai Dengi Company’s Profile

2 Incorporated in 31/10/2011 Wholly owned subsidiary by Ta Meri Financial Services JSC Commenced activities as Micro Finance and Sales Finance Micro Finance and Sales Finance Company – Financing retail customers and corporate customers for short term periods Non-Deposit taking company Commenced Micro Finance and Sales Finance business from July 2014 Overview

3 Front Office Business Strategy & Marketing Sales & Dealer Network Operations Information Technology Internal Audit Treasury Front Office Organization Structure

4 Back Office Risk Management & Collections Collections HR & Administration Legal, Compliance & Secretarial Company Secretary & Compliance ControlingAccounts Treasury Back Office Organization Structure

5 Board of Directors Executive Director Vasiliy Nazarov Strong proffesional with experience in russian speaking countries with strong orientation to KPIs, P&L results and customer orientation Chief Financial Officer Bohuslav Kratěna Economy and law education background, field experience in enterprise restructuring and banking sector generally Profiles

6 Number of Employees Russian Federation

7 Sales Finance Micro Finance EOY EOY No. of branches * by the end of year 2014 another 300 points of sales will offer our products Branches

8 CompanyField of Business Voltmartelectronics Tairelectronics Garantelectronics Parkmobile phones Domashnij kompyutrPC KomtekPC Kontaktelectronics iComauthorised reseller apple Berekethome appliances Triumfhome appliances Fokstrotelectronics (Ukrainain network) Comfyelectronics (Ukrainian network) Our Partners

9 Name od Product Loan AmountRedemption Maximum Maturity Interest RateTarget Group Dengy do zarplaty 1,000 to 10,000 RUB ($30 - $300) 2 weeks2 months2% daily low-end clients, to overcome short-term insolvency ; working woman with 1-2 children and salary up to 20,000 RUB ($600) Trust Loan 1,000 to 30,000 RUB ($30 - $1,000)every month9 months1% daily low-end clients, to overcome short-term insolvency and support consumption ; working woman with 1-2 children and salary up to 20,000 RUB ($600) Products Microfinance

10 Name od Product Maximum Loan Amount Down payment Maximum Maturity Interest Rate Target Group Easy 15,000 RUB ($500) 10%24 months clients who wish their redemption is low Fast 25,000 RUB ($800) 30%12 months clients who wish to pay all their debt quickly Popular 25,000 RUB ($800) 20%18 months clients who are not very familiar with loans and want what other people are using My Loan 30,000 RUB ($1,000) 10% 3 to 36 months 59% p.a. clients who like to model their loan (adjust the maturity and height of down payment) Equity Loan 20,000 RUB ($600) 20% (possibility to pay overall sum in 4 months without paying interest) 18 months49% p.a. offered in the network of our partners, loan with 0% interest rate, supposed to attract customers who are used to Ukrainian loan system (0% interest rate, revenues are hidden in charges and fees) Products Sales Finance

11 September 2014 processed almost 10 ths applications, 5,3 ths customers average value of amount: 15 ths RUB since the beginning of operations total amount of loans disbursed: 77 mio RUB plan till end of the year: 250 mio RUB Volume of Business

12 16 Asset Portfolio 2014

13 17 Asset Portfolio 2014

14 Managing Director Back Office Head of Risk Management & Collections Credit Risk Retail Risk Wholesale Risk Operations Risk Fraud Risk Collections Regional Collections Strong Risk Management System

15 Strong Risk Management System (contd.) Risk Strategy Risk Assessment Risk MonitoringRisk Control Risk Communication Identifying Key Risks Counterparty risks Market risks Operational risks Liquidity risks Reputational risks Strategic risks

16 Funding Mix

17 Key Ratios

18

19 Profit/loss statement RUB/EUR49,49 Data thousand EUR Year 2014Year 2015 Q3Q4TotalQ1Q2Q3Q4Total Revenue Financial costs Operating costs Total costs Profit/loss KPIs 2014

20 Balance statement Year 2014Year 2015 Q3Q4 Q1Q2Q3Q4 Amount of credits default loans % default1,9%3,2% 5,5%7,8%9,7%10,4% Internal ,4% ,0% Investor ,6% ,0% Total investment KPIs 2014

21 Ing. Roman Vavroň CEO of Ta Meri Financial Services JSC Tel: Mail: Contact us


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