Investment Highlights

Strong, profitable growth: 38.8% revenue growth from 2015 to 2016. 2016 EBIT margin of 13.7%

Long track record, exciting growth prospects: Digital lending, investing and mobile banking products for large addressable markets globally

Clear strategic vision: Digital financial solutions for the smart banking revolution

Proven business model: Automated customer risk assessment and credit approval processes, underpinned by proprietary Big Data analytics

EU banking licence as an important milestone for further market expansion and competitive advantage compared to most newcomers

High growth potential due to the Multi Banking App with outstanding mobile banking services (e.g. consolidation of customer’s bank accounts, EU current account, deposits, real-time loans)