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

2. Overview 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

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

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

5. Board of Directors Vasiliy Nazarov
Profiles
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

6. Number of Employees
Russian Federation

7. Branches Sales Finance Micro Finance 30.09.2014 EOY No. of branches 63
100 5 8
* by the end of year 2014 another 300 points of sales will offer our products

8. Our Partners Company Field of Business Voltmart electronics Tair
Garant
Park
mobile phones
Domashnij kompyutr PC
Komtek
Kontakt
iCom
authorised reseller apple
Bereket
home appliances
Triumf
Fokstrot
electronics (Ukrainain network)
Comfy
electronics (Ukrainian network)

9. Products Microfinance Name od Product Loan Amount Redemption
Maximum Maturity
Interest Rate
Target Group
Dengy do zarplaty
1,000 to 10,000
RUB ($30 - $300)
2 weeks
2 months
2% 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 month
9 months
1% 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)

10. Products Sales Finance 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
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)
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)
49% 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)

11. Volume of Business 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

12. Asset Portfolio 2014 16

13. Asset Portfolio 2014 17

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

15. Strong Risk Management System (contd.)
Risk Strategy
Risk Assessment
Risk Monitoring
Risk 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. Key Ratios

19. KPIs 2014 Profit/loss statement RUB/EUR 49,49 Year 2014 Year 2015 Q3
Data thousand EUR
Year 2014
Year 2015 Q3 Q4
Total Q1 Q2
Revenue
237
958
1 194
1 564
1 954
2 152
2 482
8 153
Financial costs 43
207
250
352
431
468
523
1 774
Operating costs
408
723
1 131
733
721
713
788
2 954
Total costs
451
930
1 381
1 085
1 152
1 180
1 311
4 728
Profit/loss
-215 28
-187
480
802
972
1 172
3 425

20. KPIs 2014 Balance statement Year 2014 Year 2015 Q3 Q4 Q1 Q2
Year 2014
Year 2015 Q3 Q4 Q1 Q2
Amount of credits
2 478
8 439
13 188
18 341
23 292
30 364
default loans 46
268
726
1 430
2 262
3 163
% default
1,9%
3,2%
5,5%
7,8%
9,7%
10,4%
Internal
963
2 579
32,4%
3 186
3 792
4 398
5 004
31,0%
Investor
1 111
5 384
67,6%
7 656
8 980
9 176
11 121
69,0%
Total investment
2 074
7 963
10 842
12 772
13 574
16 125

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