Insurance & Finance Challengers - Presentation by Raffael Johnen, Co-Founder & CEO of auxmoney at the NOAH 2015 Conference in Berlin, Tempodrom on the 9th of June 2015.

1. Building the future of credit
9 June 2015

2. SAVE THE DATE
GET YOUR TICKET NOW!
www.noah-conference.com/request-invitation
Old Billingsgate, London Tempodrom, Berlin
12-13 NOV2015 8 - 9 JUN2016

3. 441,000,000,000 EUR
excluding
inefficient
painful
Personal loans outstanding in Germany
Source: European Central Bank, 04/2015

4. 1,000,000,000,000 EUR
including
tech-drivenseamless

5. Lending needs to be more efficient …
… building the future of credit

6. Today:
2007 nobody talked about Fintech: We founded auxmoney…
• market leader Eurozone
• backed by
• institutional funding commitment
> 100 million euros

7. The marketplace model makes credit more efficient
No inherent
Principal +
Interest
Funding
Servicing fee
LendOrigination fee
No branches Use of
Borrowe

8. “At auxmoney
I get a decent return on my money“
Irene 62, Author
“I started my tattoo studio
with a loan from auxmoney“
Karl 43, Tattoo Studio Owner
“I consolidated my debt and
pay lower rates now - thanks
to auxmoney“
Philipp 23, Student
People benefit from our marketplace model
“auxmoney helped us to furnish our first flat“
Lisa 28 & Ben 29, Teachers

9. 1
2
3
4
5Better credit
performance
Stronger track record & increased
investor trust
Increased investor
confidence drives lower
risk premiums
Lower interest rates
Quality borrowers at
lower acquisition costs
More Data
More
Investors
More Borrowers
More
Transactions
Everyday our loans get cheaper and our investors get
higher risk-adjusted returns

10. Although we are P2P market leader, there is some way to go…
441,000,000,000 EUR
1,000,000,000,000 EUR

11. Thank you for your attention
@raffaelx