FinTech & InsurTech: Company presentation by Raffael Johnen, auxmoney at the NOAH Conference Berlin 2019, 13-14 June - STATION.

1. NOAH 2019
Raffael Johnen, CEO & Co-Founder auxmoney
Berlin, 14 June 2019

2.  @NOAHConference
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3. Our Impact

4. Consumer behavior is changing in favor
of tech-enabled lending

5. auxmoney is the frontrunner in the emergence of tech-enabled lending
4
Modern
Architecture /
Microservices
Machine
Learning
Big Data & Cloud
Computing
Full Process
Automation
Lower Operating
Costs & Faster Dev
Cycle
Better Scoring &
Underwriting Models
Stronger Compliance,
Transparency & Data
Integrity
Better offers for more
customers & seamless
paperless process
Better predictability &
risk-adjusted returns
User Impact
Benefit
Tech
Borrowers Investors

6. „We find that auxmoney is lending relatively more where and
when banks are lending less.[…]
We could conclude that auxmoney is serving borrowers largely
considered not bankable by banks, that is a segment of
borrowers that banks are unwilling […] to supply.”
Deutsche Bundesbank

7. Who we are

8. Leading credit marketplace in Continental Europe
7
PEOPLE
280 employees
in Düsseldorf/Germany
GROWTH
BRAND
Best known Fintech brand
in Germany among
consumers*
INNOVATION
Leading credit scoring in Germany: intelligent
combination of hundreds of online and offline
data points
*Source: GfK
INVESTORS
13 25 34
100
181
316
551
2012 2013 2014 2015 2016 2017 2018
Origination Volume, €m

9. Our formula for success

10. Convenient, fully-digital process incl.
pay-out within 24h
Access to credit for under-served part
of population
Attractive rates particularly for repeat
customers
Attractive portfolio returns
Access to short-duration, low-volatility
asset class, uncorrelated
to other asset classes
Seamless investment process
auxmoney now reached a critical scale
which allows attracting the cheapest and
most reliable pools of capital (large
institutional investors)
Huge economies of data allow us to constantly improve our product
Virtuous circle of our pure marketplace model
9
Customers
(consumers & SME)
Lenders
(retail, financial institutions, funds)
+
+
+
+
+
+
+
Better
models
& scoring
Higher
risk-
adjusted
returns
More
loans &
data
Improved
acquisition
costs
Higher
acceptance
rates
Higher
satisfaction for
all marketplace
participants
marketplace

11. Thank you.
Email: johnen@auxmoney.com
@raffaelx

12. Selected Completed NOAH Transactions
Focus on Leading European Internet companies
Covering over 400 companies across 25 online
verticals, a broad range of over 500 investors as
well as 100+ online-focused corporates
Deep understanding of industry dynamics
Ability to add value beyond banking advice
Facilitates overall process and minimizes
management distraction
NOAH Advisors is globally well connected
and has direct access to virtually all key
players in the industry
Knowledge of and strong relationships with
potential buyers’ key decision makers
Proactively finds and unlocks attractive
investment opportunities for leading investors
Annual NOAH Conference in its 10th year
Over 40 years of combined relevant M&A experience
Routine execution of M&A and financing transactions
with sizes of several billion euros
30 successfully completed NOAH Advisors transactions
underline successful transfer of M&A competencies to
the Internet sector
Entrepreneurial mind-set, focused on growing the
business and establishing a reputation for excellence
Ability to deliver top results in short time frames
Highly success-based compensation structures align
interests of clients and NOAH Advisors, and demonstrate
conviction to deliver top results
Creative deal solutions
Unique Industry Know-How
Unmatched Network and Relationships
Strong Investment Banking Competence
Full Commitment - We Are Entrepreneurs!
EUROPE’S LEADING INTERNET
CORPORATE FINANCE BOUTIQUE®
The NOAH Advisors Core Banking Team
Marco Rodzynek
Managing Director & Founder
Jan Brandes
Managing Director
Nikhil Parmar
Director
Olek Skwarczek
Associate
Lukas Schlund
Analyst
December 2014 October 2014
Sale of 100% of
for $800m to
Exclusive Financial Advisor to
Fotolia and the Selling Shareholders
Sale of 100% of
for €80m to
Exclusive Financial Advisor to
Trovit and its Shareholders
October 2016
Investment in
Exclusive Financial Advisor to KäuferPortal
and its Shareholders
by
84% Ownership
December 2016
August 2017
Financial Advisor to Silver Lake
Financial Advisor to EMK Capital
Investment in
Acquisition of a Majority Stake in
by
by
at a valuation of $200m
November 2019 July 2019
September 2018
Financial Advisor to MagicLab
Financial Advisor to AU10TIX
and its shareholders
Financial Advisor to 10bis
and its shareholders
Acquisition of a 79% stake in $60m Investment in
Sale of 100% in
by
at a valuation of ~$3 billion
at a valuation of $260m by
for €135m to
10Bis