#1MINTOS INVESTOR munting PRESENTATION 1111 Moneda ba CAMB 合:#2• • Bosnia and Herzegovina market overview Population: 3.3 million* Capital city: Sarajevo Youthful population age structure** • 25-54 years: 45.51% 55-64 years: 14.95% GDP real grow rate* - • 2018 - 3,1% . 2019 forecast - 3,4% • Household debt in 2018: 27,7% of GDP*** . Currency: Bosnian Mark (KM), fixed exchange rate against EUR • Potential member state of European Union* **** • Legal system: Civil Law System *World bank **CIA. ***CEIC ****European Commission#3Quick Facts • MKD Moneda d.o.o. is a micro-crediting company that aims to satisfy individuals' short-term liquidity needs • Licensed and supervised by the Banking Agency of Republic of Srpska • Lending activity start: May 2019 · Employees: 42 • Locations: 7 branches in 6 cities Modrica Bijeljina Prnjavor Doboj Banja Luka 1 & 2 Istocno Sarajevo#4Products SINGLE PAYMENT LOAN Application for a loan 10:14 moneda.ba Moneda.ba KOLIKO NOVCA TREBATE? Prva pozajmica do 400 KM je besplatna, 0%! 7 DANA 300 KM IZABERITE ROK OTPLATE 14 30 DANA DANA PRIJAVITE SE UKUPAN IZNOS ZA OTPLATU 300 KM Datum otplate 02.01.2020 Želite odgoditi otplatu pozajmice? Maturity: 7, 14 and 30 days Loan amount: up to 180€ for new clients and up to 205€ for repeat clients The loan is issued in up to 15 minutes after the application process is finished successfully Possibility to extend the payment by 7, 14, or 30 days In one of our branches Moneda.ba Kako funkcione Valapitan Podanie Kontakt NAJBRŽA POZAJMICA U BIH Aplicirajte jednostavno pomoću mobitelal KOLIKO NOVCA TREBATE! IZABERITE ROK OTPLATE 7 14 30 300 KM DANA DANA DANA Moneda Uslovi za APLICIRAJ ODMAH Informacije o pozajmici UKUPAN IZNOS ZA OTPLATU 300 KM 02.01.2020 Zeltedjodi trap APLICIRAJ ODMAH je p Through phone Through our website#5Branches ca-Col neda.b Moneda.ba I ISPLATA U KEŠU Moneda.ba Moneda PRVA POZAJMICA 00 400 XM IESPLATNO 10 Moneda Mome DO 9350 8:00-20:00 NEDELJA ZATVORENO Moneda.ba DOBRODOŠLI Moneda.ba EOBRODOŠLI#69000 8000 7000 6000 5000 4000 3000 2000 1000 Financials • Number of Active clients - 5 869 • First payment default below 15% • More than 1,8 million EUR total originated loans New/Repeated clients - 53% to 47% and repeat client-base is growing Average loan amount: 119 EUR 0 22 Q2 NUMBER OF LOANS ISSUED Q3 Q4 +4 700 000 600 000 500 000 400 000 300 000 200 000 100 000 NET LOAN PROTFOLIO Q2 Q3 Q4#7Financials 12.2019. ASSETS AND EQUITY • Total assets: 1 019k EUR 1 200 000 • Loans and receivables: 677k EUR • Other assets: 270k EUR 1 000 000 . Cash and cash equivalents: 72k EUR Liabilities and equity: 1 019k EUR Equity + sub loans: 629k EUR Other liabilities: 390k EUR 800 000 600 000 400 000 200 000 Q2 22 Q3 Q4 Total assets Equity + sub loans#8Loan issuance and scoring process Each client's ability to repay loans is evaluated based on automated scoring process. Firstly client must meet the eligibility criteria: age, citizenship, having an active phone number and no bad precedents in the credit history database. Each new customer is required to visit a branch during the loan application process. Thereby every potential customer is screened by the Customer Service Specialists. They are trained to evaluate behaviors to prevent potential fraud cases. In addition to the eligibility criteria returning customers are also evaluated based on their previous loan repayment performance and in case of good credit history and repayment discipline loan limits are increased. Conditions for Issuance of Loan 88 23/70 LK 鳯 Between 23-70 years old Valid B&H ID or Active phone number Passport No bad precedents in credit history#9Management Education: Westminster College Business Administration and International Business Prior professional experience: Business Development Manager: BlackstonelP, Sarajevo B&H Business Development Manager: Chicago Vein Institute, Chicago USA Founder of BioStud, Las Vegas USA "Believe in your team and listen to your clients." Kerim Karasalihovic CEO at MONEDA Finance Bosnia and Herzegovina#10THANK YOU! www f ☑ Moneda.ba Aura O. CAMB 合: