P&C Insurance and Beverages Business Financial Overview slide image

P&C Insurance and Beverages Business Financial Overview

Pipeline Periodic technical inspection business overview " Investment rationale Georgia's Auto park continues to grow steadily, with 7.4% CAGR during the years 2012-2019 " Vehicles older than 10 years represent 90% of total auto park " Company Opus Group VICOM Applus Services Czech rpb Slovenia Estonia Lithuania Market opportunity Number of passenger cars per 1,000 people, (2017) 527 510 419 418 378 351 348 322 313 307 Value creation potential " In July 2018, the business (Greenway Georgia or "GWG") won state tender to launch and operate 51 periodic technical inspection lines across Georgia with a 10-year license. Currently, inspection covers the basic technical control of vehicles. The government plans to gradually tighten procedures in 2020 to try and reduce the level of harmful emissions* GWG is the only player on the market with support from an international partner, Applus+, a Spain- headquartered worldwide leader in testing, inspection and certification services, with a market presence in more than 70 countries * Source: GALT & TAGGART Georgia lags behind developed countries by number of private passenger cars per capita, showing room for further growth* GEORGIA CAPITAL Key highlights | 31 December 2019 GEL millions, unless otherwise noted 31-Dec-19 EBITDA² 30-Jun-19 Change 6.7 6.7 Multiple applied NMF 10.4 10.1 Enterprise Value 2.8% 70.0 68 2.8% Net debt (49) (49) PTI | Equity fair value 1.0% 21 19 Amboli acquisition price 7.2% 5 5 Auto service business | Equity fair value NMF 26 24 Source: GALT & TAGGART 5.7% Selected metrics I 256 1 I 202 Sweden Hungary Croatia Latvia Belarus Russia Sweden Singapore Spain Valuation peer group Country Ticker OPUS VCM APPS Bolsa de Madrid Georgia Kazakhstan Turkey Azerbaijan 147 112 Number of inspection lines 51 Financial highlights GEL thousands Current market share¹ 36% Operating highlights Stock Exchange Stockholm Singapore Revenue³ Gross margin EBITDA 2019 2019 12,917 Cars serviced 342,275 66% of which, primary 246,932 3,262 EBITDA margin of which, secondary 95,343 25% (1) Based on available inspection lines. (2) Combination of the last six months and the next six months earnings. (3) Technical inspection prices are fixed set at GEL 60 and GEL 100 for light vehicles and heavy vehicles, respectively. ➤ All inspection centers were constructed and put into operations within 6 months (end of Feb-19) ➤ Average time per checks decreased significantly from 25 minutes upon launch to 11 minutes at 31-Dec-19 Page 49
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