Slide 1: Comperia - Financial Comparing Website No. 1
@ comperia FINANCIAL COMPARING WEBSITE NO. 1
Slide 2: Introduction
01’ INTRODUCTION
Slide 3: Mission of Comperia.pl
MISSION OF COMPERIA.PL Present in daily work Milions of customers monthly searches products and services on internet. Comperia.pl, due to financial, insurance and telecommunication comparing websites, serviced by qualified specialists, shows market in a comprehensive way while transparently presenti
Slide 4: Company's Management Board
4 49 COMPANY’S MANAGEMENT BOARD Bartosz Michałek Karol Wilczko President of Management Board Vice-President of Management Board Co-founder and dominating Co-founder and dominating stockholder stockholder (8,69%) of Company. (8,4%) of Company. Graduate of Warsaw Graduate of Warsaw School of School of
Slide 5: Company Seat
COMPANY SEAT Konstruktorska Business Center The company’s seat is in office building Konstruktorska Business Center, on the territory of the biggest Warsaw office-business complex at Domaniewska Street. Modern, spatial office meets all company;s needs, provides great conditions for employees and is
Slide 6: Investment Advantages
6 49 INVESTMENT ADVANTAGES EXPERIENCE, POPULARITY Which distinguish our Incorporated in 2007 (ebroker.pl 2008, totalmoney.pl 2009). Place no. 1262 business in Poland as cocerns popularity of websites (ebroker.pl place no. 5001, totalmoney.pl place no.1937) DYNAMIC INCREASE OF PROFITS AND REVENUES CA
Slide 7: Corporate Governance
7 49 CORPORATE GOVERNANCE Structure of stockholders pursuant to number of stocks. Composition of Management Board and Supervisory Board: MANGEMENT BOARD OF THE COMPANY Bartosz Michałek – Prezes Zarządu Karol Wilczko – Wiceprezes Zarządu SUPERVISORY BOARD Derek Christopher – Chairman of Supervisory B
Slide 8: Corporate Governance
8 49 CORPORATE GOVERNANCE Structure of stockholders pursuant to number of votes: In Issuer’s stockholders there are a couple of institutional investors inclusing TFI. Among 2 157 891 of existing stocks, 685 717 and name, privileged ones as for the vote (two votes per one stock). The name stocks are
Slide 9: Business Model
9 49 BUSINESS MODEL Comperia.pl S.A. Bank contacts potential customers INTERNET COMPERIA BANKS USERS Internet user compares financial Internet user selects the most Comperia.pl submits customer’s data products of the banks on Issuer’s beneficial offer while leaving his to bank. Then, the bank pays t
Slide 10: Business Model
10 49 BUSINESS MODEL Comperia.pl S.A. The company services all active in internet A banks supplying tchem each month a couple of dozens thousands potential customers. A In 2014 number of portal visits kept by the B Issuer amounted into 16,69 milion. B Revenues of Comperia.pl S.A. mainly come C C fro
Slide 11: Multi Branding – Strategy of Building Reach
11 49 MULTI BRANDING – STRATEGY OF BUILDING REACH Wide portfolio of sercives increases reach and finding customers in Google COMPERIA.PL TELEPOLIS.PL COMPERIALEAD.PL Main portal in group. Telecommunication information Portal of Company’s Comparing website of service and GSM offers partnership progra
Slide 12: Multi Branding – Strategy of Building Reach
12 49 MULTI BRANDING – STRATEGY OF BULDING REACH Wide portfolio of services increases reach and finding customers in Google COMPERIABONUS.PL COMPERIABONUSCLUB.PL BANKI.PL EHIPOTEKA.COM Bonus Program Internet localiser of Comparing website of Loyalty platform for Comperia Bonus bank outlets mortgage
Slide 13: Acquisition of Telepolis.pl
13 49 ACQUISITION OF TELEPOLIS.PL Telepolis.pl – the biggest telecommunication portal BIG SOCIETY Over 1 400 000 loyal users monthly PROFESSIONAL CONTENT Thousands of articles, tests, branch news FIRST COMPARING WEBSITE Poland’s first GSMA comparing website – agreements with all operators www.comper
Slide 14: Comperia Bonus
14 49 COMPERIA BONUS New brand in Comperia Group 3 editions of promotion: BGŻ Optima, Meritum Bank, Raiffeisen Polbank Marketing: TV, affiliation, bloggers, internal actions Results: Lead Rate: 24%, Conversion Rate: 73% THE BEST PRODUCT ADDITIONAL BONUS BIG REACH The offer is recomended by Comperia.
Slide 15: TV Campaign
15 49 TV CAMPAIGN March 2015 Broadcasting time 15 and 30 seconds Total budget PLN 700,000 Concentration an reach 4000 spots – 3 weeks 31 967 400 advertising contacts www.comperia.pl COMPERIA.PL Phone: +48 22 642 91 19| Email: kwilczko@comperia.pl
Slide 16: Relations with Banks
16 49 RELATIONS WITH BANKS Comperia.pl in adverts of its customers www.comperia.pl COMPERIA.PL Phone: +48 22 642 91 19| Email: kwilczko@comperia.pl
Slide 17: We are quoted by
17 49 We are quoted by Key media in Poland: www.comperia.pl COMPERIA.PL Phone: +48 22 642 91 19| Email: kwilczko@comperia.pl
Slide 18: Comperia Bonus Club
18 49 COMPERIA BONUS CLUB Social loyalty platform to recommend the Issuer’s products 10 000 INVITATIONS 80 RECOMMENDATIONS Sent to customers of 1st Record number of and 2nd edition of recommendation of club Comperia Bonus member in one week 3850 REGISTRATIONS 5 TOOLS In club until 17.04.2015 – Dedic
Slide 19: Compare Yourself
19 49 COMPARE YOURSELF Blogosphere also for beginners! Blogosphere is based on ComperiaLead partnership program. The project is mainly devoted to individuals who don’t have experience in keeping own pages or blogs. Start: January 16, 2015 Active users: 32 Number of recorded blogs: 77 Free WWW WordPr
Slide 20: Comperia Analytics
20 49 COMPERIA ANALYTICS Better propagating content MORE REFERENCES Comperia Analytics application allows for preparation of advanced analyses on bank products pursuant to over 2 thousand offers. The data cover not only current situation on market but also show how within latest 5 years it shaped. C
Slide 21: Comperia Agent
21 49 COMPERIA AGENT Innovative technology for Insurance Agents Scale of activity Full monitoring Facilitating work Of our system Of Agents’ work Of Insurance Agents Until today technology of Comperia Agent ensures Comperia Agent allows for Comperia Agent supports and monitoring of activness of whol
Slide 22: Other Advantages
22 49 OTHER ADVANTAGES Phone customer service – maximising revenue on „lead” Calls 40 000 back in leads/ 5 mins month QUALIFIED CC SALE ACTIVITIES Team of call center specialists Call center also conducts activities of contact all leads while being found in 12 people in team active sale – while wori
Slide 23: Other Advantages
23 49 OTHER ADVANTAGES Financial customers database ENTIRE DATABASE 01’ 270 000 customers who as routine use financial services – personal and phone-address data. CASH CREDITS 02’ 120 000 customers interested in cash credits. BANK DEPOSITS 03’ 50 000 customers interested in deposit products. BIGDATA
Slide 24: Dynamic Development
24 49 DYNAMIC DEVELOPMENT Milestones in history of Company’s activity VI 2014 Acquisition of 4 000 VI 2013 TELEPOLIS.PL. X 2007 Appointment of Entering market by Obtaining V - VI 2011 XI-XII 2013 V 2007 Acquisition of independent Incrase of demand internet GSM VII 2014 B. Michałek financial member o
Slide 25: Market of Activity
02’ MARKET OF ACTIVITY
Slide 26: Beneficial Competitive Standing
26 49 BENEFICIAL COMPETITIVE STANDING Discussion of competition on Polish and foreign markets Comparing of Comperia.pl and its main The place of main financial comparing websites in Poland in world ranking of competitiors popularity of websites in periods: April – September 2014 Miejsce w rankingu R
Slide 27: Forecasted Shift of Insurance Market
27 49 FORECASTED SHIFT OF SHIFTING INSURANCE MARKET in direction of „direct” model Value of market of insurance sale „direct” (by internet or phone) in 2013 PURSUANT TO DATA OF amounted into PLN 1,175 bilion (comparing to PLN 1,2 bilion in 2012 which POLISH CHAMBER OF INSURANCE means fall of 1,2% r/
Slide 28: World Financial Comparing Websites
28 49 WORLD FINANCIAL COMPARING WEBSITES On the example of MoneySuperMarket.com Financial comparing websites are adroitly developing segment of services in the world. British MoneySupermarket is one of the biggest of this type of businesses the stocks of which are listed on London Stock Exchane. Fin
Slide 29: Strategy
02’ STRATEGY
Slide 30: Company's Strategy
30 49 COMPANY’S STRATEGY Focused on increase of value Strategy of development Increas of obtained internet movement, maximising index of Poland’s insurance agency Extending portfolio of offered conversion and number of leads to financial and non- services financial recipients Development of Building
Slide 31: Formation of Insurance Agency
31 49 FORMATION OF INSURANCE AGENCY Combining online and offline segment Prerequisites of entering into sale, online as well as offline Online insurance (sale by Offline insurance (sale by internet) means of agents) Dynamic develooment of Growing recognition of Reluctance of part of customers to int
Slide 32: Formation of Insurance Agency
32 49 FORMATION OF INSURANCE AGENCY Joining online and offline segments AGENTS CUSTOMERS Gaining own insurance agents within new multiagency Gaining customers (online MULTIAGENCJI (COMPERIA UBEZPIECZENIA SP. Z O.O.) and office) 1 2 3 Making available insruance application for own agents and paid mak
Slide 33: Development of ComperiaLead.pl Innovative Partnership Program
33 49 DEVELOPMENT OF COMPERIALEAD.PL Partnership program no. 1 PLN 2 000 000 of withdrawals A couple of dozen thousands of „leads” Of commissions for our affiliation From affiliates of each month partners in 2014 coming to banks 4000 partners Mobile program Including the biggest portals on The first
Slide 34: Marketing Strategy
34 49 MARKETING STRATEGY Company’s activities in order to increase number of „leads”, movement and brand awareneness Expenditures of Group for oogle New areas of activities: comperiabonus.pl, Public Relations: publications in branch Adwords telepolis.pl, program lojalnościowy CBC services and on blo
Slide 35: Finance
03’ FINANCE
Slide 36: Dynamic Increase
36 49 DYNAMIC INCREASE Increase of revenues and results, safe financing structure, ability of generating cash Consolidated data 2010 2011 2012 2013 2014 IH 2014 IH 2015 Net revenues on sale 1 555 3 918 6 821 13 181 17 319 7 239 11 970 Costs of operational activity 1 114 2 616 5 449 10 327 16 607 6 9
Slide 37: Dynamic Growth
37 49 DYNAMIC GROWTH Increase of revenues and results, safe financing structure, ability of generating cash Unit data 2010 2011 2012 2013 2014 IH 2014 IH 2015 Net revenues on sale 1 555 3 918 6 821 12 855 18 017 7 885 12 391 Costs of operational activity 1 114 2 616 5 449 9 755 15 406 6 660 10 827 E
Slide 38: Sale Revenues
38 49 SALE REVENUES Pursuant to segments of activity (data in thousand PLN) Segment IH 2015 Share IH 2014 Share Δ r/r 2014 Share 2013 Share Δ r/r Credit products 3 393 28% 2 671 37% 27% 6 074 35% 5 131 39% 18% Deposit credits 5 214 44% 1 760 24% 196% 5 054 29% 1 327 10% 281% Insurance products 159 1
Slide 39: Revenues on Sale, EBITDA and EBITDA Margin
39 49 REVENUES ON SALE, EBIDTA and EBITDA MARGIN Pursuant to segments of activity Source: Unit financial statements of the Company drawn up pursuant to MSSF, changing, four quarters. www.comperia.pl COMPERIA.PL Phone: +48 22 642 91 19| Email: kwilczko@comperia.pl
Slide 40: Consequent Strategy
40 49 CONSEQUENT STRATEGY Company consequenty implements its issuance purposes Implementation of all issue purposes takes place pursuant to time and cost schedule adopted by Management Board Expenditures in Expenditures in Issue purpose thousands in the thousands in the period: IV-XII 2014 period: I
Slide 41: Non-Financial Indexes
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Slide 42: Key Indexes
42 49 KEY INDEXES For the Company Name of index IH 2015 IH 2014 Δ r/r 2014 2013 Δ r/r Number of ComperiaLead 7 453 4 024 85% 5 674 2 868 98% partners Number of leads 185 604 117 307 58% 269 374 191 666 41% Number of entries on website 12 987 157 2 791 995 365% 16 695 740 5 957 934 180% Number of ope
Slide 43: Key Indexes
43 49 KEY INDEXES For the Company Number of leads in division into IH 2015 Share IH 2014 Share Δ r/r 2014 Share 2013 Share Δ r/r products Credit products 112 332 61% 85 264 73% 32% 191 918 71% 163 323 85% 18% Deposit products 31 632 17% 19 927 17% 59% 39 669 15% 23 566 12% 68% Insurance products 4 6
Slide 44: Key Indexes - Insurance
44 49 KEY INDEXES For Insurance Name of index 01.01-30.06.2015 Number of signed agreements with associations 16 Number of employed agents in multiagency 119 Collection in PLN 837 302 Commission from Insurance Association for Company 124 569 Number of performer calculations in Comperia Agent 5 969 Nu
Slide 45: Attachments
05’ ATTACHMENTS
Slide 46: Growing Availability of Internet in Poland
46 49 GROWING AVAILABILITY Of internet in Poland Access to internet in Poland Access to internet in selected European countries (% of households) (% of households in 2013) In 2008-2014 access to internet in Poland increased by 26 p.p Poland is placed below average for UE27 80% 72% 75% 67% 70% 70% 64
Slide 47: Dynamic Growth on Internet Advertising Market
47 49 DYNAMIC GROWTH On internet advertising market Value of internet advertising market in Poland (bilion Divsion of expenditures for internet Dynamics of value of advertising market in PLN) advertising pursuant to sectors (2013) selected parts of Europe (2012 vs. 2011) Over three-time increase of
Slide 48: Poland in Group of Countries of Biggest Potential
48 49 POLAND IN GROUP OF COUNTRIES OF BIGGEST POTENTIAL Increase of value of internet advertising 40% Dynamics of changes of value of internet advertising market Size of buble of certain countries means scope of market Data for 2013 Poland is in the 35% Rosja group of European 30% Turcja countries o
Slide 49: Thank You
THANK YOU And we invite to cooperate www.comperia.pl kwilczko@comperia.pl