Investor Presentaiton
Product Area -
PlusLoan
Service Offering
■ PlusLoan was included into the product offering in 2013 and serve to complement the
Microloan business
■ The product is offered to selected customer groups only and application is done separately
through an online application
■ PlusLoans are primarily targeted to existing customers with a strong track record of
repayment ability
■ PlusLoan is a more flexible loan product outside the typical range of Microloans
■ As of FY 2018, PlusLoan constituted 25.3% of the Group's total loan portfolio and
contributed 25.0% of revenues
■ PlusLoans are offered in larger amounts, typically between EUR 300-5,000 with maturities of
2-36 months
■In FY 2018, the average loan amount and tenor amounted to EUR 753 and 355 days,
respectively
■ PlusLoans are practically regular instalment loans, further distinguishing them from the
Group's Microloans
■ As the product segment is rapidly growing, the margins are diluted by frontloaded credit
losses and marketing expenses
■ PlusLoans are currently offered in 9 markets
PlusLoan - Share of Revenue
0
25.0%
PlusLoan - Revenue and Contribution (EUR thousands)
47%
p.a.
65,641
60,315
20%
30,232
9%
13%
Revenues
■Gross contribution margin (%)
Source: Company filings
FY 2016
FY 2017
FY 2018
ferratum
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