Digital Origin - NOAH17 Berlin
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Fintech - Presentation by Rolf Cederstrom, Co-Founder & CEO of Digital Origin at the NOAH Conference Berlin 2017, Tempodrom on the 22nd of June 2017.
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Digital Origin - NOAH17 Berlin
- 1. Company Presentation Noah Berlin - 22 June 2017
- 2. GET YOUR TICKET TODAY! www.noah-conference.com 6-7 Old Billingsgate, London Tempodrom, Berlin JUN20182-3 NOV2017 SAVE THE DATE
- 4. Example: POS Credit for eCommerce âŹ1050.00 / month in 2 installments âŹ700.00 / month in 3 installments âŹ525.00 / month in 4 installments âŹ420.00 / month in 5 installments âŹ350.00 / month in 6 installments Pay in installments: Checkout + Credit Card âŹ2,100 Celine Leather handbag Applica;on Pay âŹ210/ month in 10 installments âąâŻ No papers âąâŻ Instant decision âąâŻ Fully automated 3 minutes Payment Accepted Pay âŹ210 (ïŹrst installment)
- 5. 21% Paypal 0 100 200 300 400 500 600 700 Paypal and Credit Card POS Credit âŹ582 âŹ104 Average Selling Price Share of Checkout 58% Debit Card 16% POS Credit 5% Other Increase in Merchant Sales (+20%) Source: Company Data Febâ 17
- 6. 0 10 20 30 40 50 60 70 Outstanding credit balance Annual credit originaIon Credit Card Vehicles Point of sale Market ProïŹtability 0% 10% 20% 30% 40% ROE2 35% ROE3 28% ReturnonEquity(ROE) Consumer Finance in Spain Industry Profits1 : âŹ2bn / year âŹ61bn âŹ27bn (1)⯠Market research and company estimates (2)⯠Banco Popular: Acquisition of BarclayCard (Apr 2016) (3)⯠Source: BNP Parisbas Develop`ment Plan(Mar 2017) Market Size âŹbillion 9% Average Bank ROE Source: ASNEF and ECRI 2016
- 7. 0% 1% 2% 3% 4% 5% 6% 7% 8% 9% 10% 0% 10% 20% 30% 40% 50% 60% 70% 80% 90% 100% Default Rate (%) Acceptance Rate (%) Random Model Risk Model α Perfect Model Default versus Acceptance Rate Credit Risk Model Evolu;on ComplemenIng tradiIonal credit model (capacity to pay) with behavioral models (willingness to pay) drives conInuous improvement in risk Requires advanced big data and machine learning capabili;es Risk Model ÎČ
- 8. âŹmillions Projected Growth - 100 200 300 400 500 600 700 800 900 1,000 Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Credit Card Retail POS eCommerce POS 2017 2018 2019 2020 2021 Loan book Short-term goal: âŹ100M loan book Medium-term goal: âŹ1B loan book
- 11. 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 buyersâ key decision makers Proactively finds and unlocks attractive investment opportunities for leading investors Annual NOAH Conference in its 8th 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 December 2014 September 2014 October 2014 May 2014 Sale of 100% of for $800m to Exclusive Financial Advisor to Fotolia and the Selling Shareholders Sale of 100% of for âŹ80m to Exclusive Financial Advisor to Trovit and its Shareholders Sale of controlling stake in to Exclusive Financial Advisor to Facile.it and its Shareholders sold 100% of for $228m to a joint venture between Exclusive Financial Advisor to Yad2 and its Shareholders Unique Industry Know-How Unmatched Network and Relationships Strong Investment Banking Competence Full Commitment - We Are Entrepreneurs! EUROPEâS LEADING INTERNET CORPORATE FINANCE BOUTIQUE September 2016 October 2016December 2016 May 2016 Investment in by Financial Advisor to Oakley Capital Exclusive Financial Advisor to 10Bis and its Shareholders Âź Marco Rodzynek Managing Director & Founder marco.rodzynek@noah-advisors.com Jan Brandes Managing Director jan.brandes@noah-advisors.com Justus Lumpe Managing Director justus.lumpe@noah-advisors.com The NOAH Advisors Core Banking Team Nikhil Parmar Director nikhil.parmar@noah-advisors.com 10Bis Acquisition of a Majority Stake in by from at a valuation of âŹ300m Investment in Exclusive Financial Advisor to KĂ€uferPortal and its Shareholders by 84% Ownership Financial Advisor to Silver Lake Investment in by