Uncover the financial side of the sharing economy - investing in Peer-to-Peer loans. I. Peer-to-Peer lending overview How does it work? Worldwide panorama of P2P lending platforms. How much can I earn? II. Investing in Peer-to-Peer Lending Why is Peer-to-Peer Lending safer than you think? What do you need to know to invest in P2P loans? III. Klear Peer-to-Peer Lending platform Klear - a safe place to interact with finance. Our credit and investment products. How to use the platform?

20. MLN BGN 2012 2013 2014 2015 2016
AMT BORROWED 213 230 269 315 390
REVENUES 86 98 98 94 99
FUNDING COSTS -3 -4 -9 -10 -10
OPERATIONAL MARGIN 83 94 89 84 89
COST OF RISK -2 -9 -9 -9 -9
MARGIN AFTER RISK 81 85 80 75 80
PROFIT 35 35 35 30 38
REVENUES / AMT BORROWED 40% 43% 36% 30% 25%
YEARLY RISK / AMT BORROWED 0.9% 3.9% 3.3% 2.9% 2.3%
PROFIT / AMT BORROWED 16% 15% 13% 10% 10%
BNPP PF (BG) PUBLIC FINANCIAL STATEMENTS

21. MLN BGN 2012 2013 2014 2015 2016
AMT BORROWED 234 341 496 744 931
REVENUES 51 70 82 92 122
FUNDING COSTS -8 -9 -12 -12 -11
OPERATIONAL MARGIN 43 61 70 80 111
COST OF RISK -5 -10 -12 -13 -25
MARGIN AFTER RISK 38 51 58 67 86
PROFIT 23 35 44 51 69
REVENUES / AMT BORROWED 22% 21% 17% 12% 13%
YEARLY RISK / AMT BORROWED 2.1% 2.9% 2.4% 1.7% 2.7%
PROFIT / AMT BORROWED 10% 10% 9% 7% 7%
HERE IS THE DATA OF HIS MAIN COMPETITOR
UNICREDIT CONSUMER FINANCING(BG)

45. www.klearlending.com