Slide 1: Corporate Presentation - Deutsches Eigenkapitalforum 2021
PUBLIC Deutsches Eigenkapitalforum 2021 23rd November 2021 2021 © MULTITUDE. ALL RIGHTS RESERVED. CORPORATE PRESENTATION FE-Classification: General\Anyone
Slide 2: Digital, Easy & Simple - Our purpose
Digital Easy & Simple Fast Change the world by making banking and finance accessible to everybody and positively impacting society. FE-Classification: General\Anyone
Slide 3: We have an amazing track record of 16 years
WE HAVE AN AMAZING TRACK RECORD OF 16 YEARS . POST COVID-19 GROUP NET SALES PER QUARTER (in EUR mio) CONSUMPTION BOOST 80.0 FIRST MOBILE BANK LAUNCH COVID-19 70.0 • 19 COUNTRIES FROM PRODUCTS TO CONSUMER EXPERIENCE • 600 PEOPLE 60.0 • 3 BUSINESS UNITS SME BUSINESS LAUNCH 50.0 LISTED IN THE FRANKFURT
Slide 4: All our brands focus on their unique customer segment & customer experience
ALL OUR BRANDS FOCUS ON THEIR UNIQUE CUSTOMER SEGMENT & CUSTOMER EXPERIENCE FE-Classification: General\Anyone
Slide 5: FE-Classification: General\Anyone
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Slide 6: Consumer lending: vision, customers and value proposition
VISION • We want to be the first choice of customers seeking small financial support to meet everyday needs CUSTOMERS • Unplanned financial need based on unexpected life event • Speed and convenience are most important VALUE PROPOSITION • 5 min application, decision and money transfer in hours -> 20
Slide 7: Net AR in EUR - launch and scaling
Net AR in EUR Launch and scaling Launch of Credit Limit and installment loans rollout to 8 countries CLP rollout continues FE-Classification: General\Anyone
Slide 8: Europe's leading SME digital lender
VISION • Europe’s leading SME digital lender CUSTOMERS • Underserved SME customers • Revenue: avg. 445K • Number of employees: avg. 3 • Time in business: avg. 7 years • Most common use: liquidity/working capital VALUE PROPOSITION -> 25 million potential SME customers • 5 min application, decision in
Slide 9: SME business milestones
New Tribe CEO, Oscar Barkman Intensive focus on increasing Signed sponsorship automation across deal with Olympic EUR the business gold medal athletes Acquired Increased max loan Spotcap amount to 350K and Netherlands terms to 36 months Increased max loan amount to 250K and terms to 24 months Launch
Slide 10: SweepBank: vision, customers and value proposition
VISION • Most valuable financial platform CUSTOMERS • Loves online shopping • Bigger and long-term planned financial needs • Tech savy • Convenience seeking • Credit hungry & revolving VALUE PROPOSITION • Busy young parents • Seamless shopping experience -> 35 million potential customers within • Pe
Slide 11: SweepBank app growth and milestones
10’000 SweepBank App customers and 10’000 Prime Loan customer Prime Loan revenues + 92% Volume + 98% Conversion rate app passes market average and SweepBank App the top app in Google plan and App Store EUR Latvia app Merge of New brand name App launch soft launch Prime Loan SweepBank in Finland & Wa
Slide 12: Our ESG approach is built on our purpose and mission
OUR ESG APPROACH IS BUILT ON OUR PURPOSE AND MISSION OUR PURPOSE OUR ESG APPROACH Change the world by making banking Building on our purpose and mission, OUR ESG GOALS SWEEPBANK and finance accessible to everybody and we positively impact society by FOR 2025. positively impacting society. implementi
Slide 13: Financial overview: revenue turn-around & improving profitability
FINANCIAL OVERVIEW: REVENUE TURN-AROUND & IMPROVING PROFITABILITY %/pp in EUR m Q1 2021 Q2 2021 Q3 2021 9M 2021 9M 2020 change REVENUE BACK TO GROWTH MODE: Revenue 51.9 52.6 54.1 158.6 176.7 -10.2% − Positive trend: Q3 revenue exceeds Q1 and Q2 revenue − All 3 tribes growing q-o-q on a revenue basis
Slide 14: Balance sheet structure improved further & supports continued portfolio growth
BALANCE SHEET STRUCTURE IMPROVED FURTHER & SUPPORTS CONTINUED PORTFOLIO GROWTH in EUR m 30 Sep 2021 31 Dec 2020 % Change in EUR m 30 Sep 2021 31 Dec 2020 % Change Assets Equity and Liabilities Non-current assets 58.0 59.9 -3.2% Equity 176.2 125.6 +40.3% Accounts receivable – customer Non-current lia
Slide 15: Thank you
THANK YOU ir@multitude.com MULTITUDE SE RATAMESTARINKATU 11 A 00520 HELSINKI FINLAND 2021 © MULTITUTE. ALL RIGHTS RESERVED. 15 FE-Classification: General\Anyone