Vyruchai Dengi
Company’s Profile
Limited Liability Company providing
microfinance
and consumer finance products
Overview
•
Incorporated in 31/10/2011
•
Wholly owned subsidiary by Ta Meri Financial Services JSC
•
Commenced activities as Micro Finance and Sales Finance
•
Micro Finance and Sales Finance Company – Financing retail customers
and corporate customers for short term periods
•
Non-Deposit taking company
•
Commenced Micro Finance and Sales Finance business from July 2014
Organization Structure
Front Office
Business
Strategy
& Marketing
Sales & Dealer
Network
Operations
Information
Technology
Internal Audit
Treasury
Front Office
Organization Structure
Back Office
Risk Management
& Collections
Collections
HR &
Administration
Legal, Compliance
& Secretarial
Company
Secretary
& Compliance
Controling
Accounts
Treasury
Back Office
Board of Directors
Profiles
Executive Director
Vasiliy Nazarov
Chief Financial Officer
Bohuslav Kratěna
Strong proffesional with experience in russian
speaking countries with strong orientation
to KPIs, P&L results and customer orientation
Economy and law education background, field
experience in enterprise restructuring and
banking sector generally
Number of Employees
Russian Federation
250
200
150
31.09.14
31.12.14
100
50
0
Sales Network
Operations
HQ
Total Head Count
Branches
Sales
Finance
No. of branches
Micro
Finance
30.09.2014
EOY
30.09.2014
EOY
63
100
5
8
* by the end of year 2014 another 300 points of sales will offer our products
Our Partners
Company
Field of Business
Voltmart
electronics
Tair
electronics
Garant
electronics
Park
mobile phones
Domashnij kompyutr
PC
Komtek
PC
Kontakt
electronics
iCom
authorised reseller apple
Bereket
home appliances
Triumf
home appliances
Fokstrot
electronics (Ukrainain network)
Comfy
electronics (Ukrainian network)
Products
Microfinance
Name od
Product
Dengy do
zarplaty
Trust Loan
Loan Amount
1,000 to 10,000
RUB ($30 - $300)
1,000 to 30,000
RUB ($30 - $1,000)
Redemption
2 weeks
every month
Maximum
Maturity
2 months
9 months
Interest Rate
Target Group
2% daily
low-end clients, to overcome
short-term insolvency ;
working woman with 1-2
children and salary up to
20,000 RUB ($600)
1% daily
low-end clients, to overcome
short-term insolvency and
support consumption ; working
woman with 1-2 children and
salary up to 20,000 RUB
($600)
Products
Sales Finance
Name od
Product
Maximum
Loan Amount
Down payment
Maximum
Maturity
Easy
15,000 RUB
($500)
10%
24 months
clients who wish their redemption is low
Fast
25,000 RUB
($800)
30%
12 months
clients who wish to pay all their debt
quickly
Popular
25,000 RUB
($800)
20%
18 months
clients who are not very familiar with loans
and want what other people are using
My Loan
30,000 RUB
($1,000)
10%
3 to 36
months
Equity Loan
20,000 RUB
($600)
Interest
Rate
59% p.a.
clients who like to model their loan (adjust
the maturity and height of down payment)
49% p.a.
offered in the network of our partners, loan
with 0% interest rate, supposed to attract
customers who are used to Ukrainian loan
system (0% interest rate, revenues are
hidden in charges and fees)
20% (possibility to
pay overall sum in 4
months without paying
interest)
18 months
Target Group
Volume of Business
September 2014
•
processed almost 10 ths applications, 5,3 ths customers
•
average value of amount: 15 ths RUB
•
since the beginning of operations total amount of loans disbursed: 77 mio RUB
•
plan till end of the year: 250 mio RUB
Asset Portfolio 2014
70
60
60
60.5
50
40
40
40
31.5
Consumer Finance
30
Micro Finance
17
20
10
1
0
Jun-14
Jul-14
Aug-14
Sep-14
Oct-14
Nov-14
Dec-14
Asset Portfolio in Mio RUB 2014
16
Asset Portfolio 2014
120.00
100.00
80.00
Earning Assets in Mio RUB
60.00
Consumer Finance
Micro Finance
40.00
20.00
0.00
Jan-15 Feb-15 Mar-15 Apr-15 May-15 Jun-15 Jul-15 Aug-15 Sep-15 Oct-15 Nov-15 Dec-15
Asset Portfolio in Mio RUB 2015
17
Managing Director
Strong Risk
Management
System
Back Office
Head of Risk
Management
& Collections
Credit Risk
Retail Risk
Wholesale Risk
Operations Risk
Fraud Risk
Collections
Regional Collections
Strong Risk
Management
System (contd.)
Risk Strategy
Risk
Communication
•
Identifying Key Risks
•
Counterparty risks
•
Market risks
•
Operational risks
•
Liquidity risks
•
Reputational risks
•
Strategic risks
Risk Control
Risk
Assessment
Risk Monitoring
Funding Mix
Funding Mix as of Dec 31st 2014
Funding Mix as of Dec 31st 2015
0.00%
16.47%
83.53%
100.00%
Equity
Bank Lines
Equity
Bank Lines
Key Ratios
Equity ratio
90%
80%
70%
60%
50%
40%
80%
68%
60%
50%
43%
39%
38%
30%
37%
35%
33%
31%
30%
20%
10%
0%
Jan-15 Feb-15 Mar-15 Apr-15 May-15 Jun-15
Jul-15 Aug-15 Sep-15 Oct-15 Nov-15 Dec-15
Equity ratio
Key Ratios
Debt Equity Ratio
25%
20%
16%
16%
17%
17%
18%
18%
18%
19%
19%
20%
20%
21%
15%
10%
5%
0%
Jan-15 Feb-15 Mar-15 Apr-15 May-15 Jun-15
Jul-15 Aug-15 Sep-15 Oct-15 Nov-15 Dec-15
Debt Equity Ratio
KPIs 2014
Profit/loss statement
RUB/EUR
49,49
Data thousand EUR
Year 2014
Q3
Revenue
Q4
Year 2015
Total
Q1
Q2
Q3
Q4
Total
237
958
1 194
1 564
1 954
2 152
2 482
8 153
Financial costs
43
207
250
352
431
468
523
1 774
Operating costs
408
723
1 131
733
721
713
788
2 954
Total costs
451
930
1 381
1 085
1 152
1 180
1 311
4 728
Profit/loss
-215
28
-187
480
802
972
1 172
3 425
KPIs 2014
Balance statement
Amount of credits
default loans
% default
Internal
Investor
Total investment
Year 2014
Q3
Q4
2 478
8 439
46
268
1,9%
3,2%
963
1 111
2 074
2 579
5 384
7 963
32,4%
67,6%
Q1
13 188
726
5,5%
Year 2015
Q2
Q3
18 341
23 292
1 430
2 262
7,8%
9,7%
Q4
30 364
3 163
10,4%
3 186
7 656
10 842
3 792
8 980
12 772
5 004
11 121
16 125
4 398
9 176
13 574
31,0%
69,0%
Contact us
Ing. Roman Vavroň
CEO of Ta Meri Financial Services JSC
Tel: +357 99 02 4144 Mail: roman.vavron@tamerigroup.com