FinTech & InsurTech: Company presentation by Sergio Chalbaud, Fintonic at the NOAH Conference Berlin 2019, 13-14 June - STATION.

1. Fintonic
NOAH
J u n e 2 0 1 9
SERGIO CHALBAUD
Hi, my name is Sergio, co-CEO and Founder of Fintonic, and I would like to share with you the extraordinary banking experience we are building at Fintonic.

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3. …is born from our desire to build a better
bank, one we can trust and that engages
with our digital needs, one that make us
proud of being part of!
Fintonic is born from our firm desire to build a better bank,
one we can trust
one that engages with our digital needs
one that make us proud of being part of

4. We put the power
in the hands of the
user.
Easy to understand quickly, Easy to use, Safe, Fast…
We strongly believe in giving the power to the user
Making it easy to understand
making it fast
making it reliable
making it safe

5. Complete
overview of your
finances
Fintonic aggregates your accounts, credit cards, loans, deposits and investments.
Income and expenses are automatically categorised and proactive alerts provide you
with the ultimate transparency of your financial position
To start with, Fintonic provides you a complete overview of your finances
All your accounts, cards, loans, deposits and investments
Your daily transactions automatically categorised, your income, your expenses
All the alerts you need
And all you have to do to make Fintonic work for you, is sync your existing banking relations into fintonic with your online banking credentials

6. FinScore reveals
your credit score
For the first time our users will know their credit profile. Now that there is a level playing
field, our users have access to better conditions and better prices
But Fintonic does much more than that
Fintonic also tells you your credit score, your Finscore.
Because you need to remember that in many countries there is no positive credit bureau.
For the first time our users will know their credit profile.
And now that there is a level playing field, our users have access to better conditions and better prices

7. We are
independent
We are an independent multi-entity platform that frees us from conflicts, and allows us
to offer only the products that best suit the interests and profile of our users
And yes, we are independent,
that means our users get only the products that best suit their interests and profile

8. By being independent, we
put the user back in control
of buying financial services
By being at the core of our users financial behaviour, Fintonic can function as the
gateway to acquiring virtually all financial services, such as contracting a loan or hiring
insurance from a broad supply
And,
we believe in marketplaces
our users can get a loan in Fintonic from 12 lenders that cover all risk profiles
and from over 30 insurance companies that cover all their insurance needs including, house, car, health, life, mobility and others

9. And everything
happens inside
Fintonic
As with Amazon, it does not matter which entity you buy your products with, the
checkout is always done in the Fintonic environment with Fintonic´s contracting
experience
But the real beauty is,
that everything, everything happens inside Fintonic
under Fintonic contracting experience,
much like in Amazon.
A full in app, paperless, fabulous digital contracting experience

10. Many people like our proposition
2018 2019
+300,000
users
2017
% = Monthly
growth LTM
Spain Chile Mexico
+750,000
users
Our users love our value proposition
and as a consequence
Fintonic is registering exponential growth with more than 750.000 active users.

11. Where did we start?
Phase I
Financial management tool
Platform that make provides you with
complete insight in your financial position
We started as a PFM

12. Fintonic leverages big data & advanced analytics
Income
Expenses
Payment
accounts
Behaviour
Loans
Savings
DATA
Payroll
Pensión
Unemployment
Transfers
Taxes Bonuses Other income
Basic
Energy
Rent
Loan
Mortgage
Telephone
Schools
Insurance
…
Leisure
Travel
Sport
Electronics
Restaurants
…
Account Deposits
Funds
Securities
Pensions
360º of debit & credit cards
Mortgages
Bank loans
Personal loans
Car
Other loans
Appliances
Micro-loans
Spending pattern
Trends
Returns
Recovery
We learned from the data
We build strong big data & advanced analytics capabilities around it
We learned from the users needs and behaviour

13. Evolving the model
Phase I
Marketplace
With ultimate transparency of your financial
position, you have the ability to contract
financial products that best suit your profile
Phase II
We evolved the model

14. A loan Marketplace with a full digital experience
On top of our original PFM we build a loan Marketplace with a full digital experience

15. Loan demand
11% - 24%
7% - 11%
24% - 40%
Lender segments
Users get the loan offer they deserve with their
Finscore & lenders get exactly the loan demand they
want
Risk
model
83
GINI
avg. lender: 60
3% - 7%
At Fintonic our users get the loan offer they deserve with their Finscore
& lenders get exactly the loan demand they want
Our loan rates range from 3% to 40%
And users can get a loan up to 40.000€ in seconds
Our proprietary Finscore which has a GINI of 83, enables this experience

16. Fintonic was the first lender, but we believe in the
power of marketplace
20 %
40 %
60 %
80 %
100 %
J F M A M J J A S O N D J F M A M J J A S O N D J F M A M J J A S O N D J F M A M
Marketplace startsWanna exclusive lender
20%
20172016 2018 2019
External
lenders
Fintonic was the first lender in the marketplace, …. yes we also run our own book
with excellent profitability
but we believe in the power of marketplace
and today our own book represent cia 20% of the marketplace

17. Jan Feb Mar Apr May June
13,1
9,8
6,9
5,2
3,3
2,1
44%
Monthly growth
Loan origination is growing at a booming rate
RR annual loan origination
€156mMonthly loan origination (in €m)
Loan origination in Fintonic is growing at 44% monthly rate
Our current run rate represents over 150Mill a year origination
And by year end we expect to be over a 300Mill a year origination run rate

18. Strong and proven monetisation
Jan Feb Mar Apr May Jun
785
650
538
423
308
195
32%
Monthly growth
RR annual revenues
€9.4mMonthly revenues (in €k)
And revenues are also booming
With current monthly revenues representing over €9Mill annual run rate and 32% monthly growth rates

19. Our vision
¨Become the center of our users financial universe¨
Opening
MarketPlace
Lending
Opening
MarketPlace
Insurance
PFM
Expand marketplaces to other products
Provide full transactionality
Our vision is to become the center of our users financial universe
And we are very ambitious on the execution of our plan

20. Success of Fintonic
User base in last 2 years
~€60m
Featured shareholders:
Successes so far
~2.0x
RR revenues LTM
~8.1x
Unit economics are strong
Profitability soon expected in Spain
Success in LatAm proves scalability
RR loan origination LTM
~9.0x
Funding received
…and we are just getting started
Some more numbers
We have received around 60Mill€ in funding
We have very strong unit economics
Expect to be profitable in Spain in the coming months
We have doubled the user base in the last 2 years
Revenues are growing by a factor of 8 comparing to same period 12 month back
Loan origination is growing by a a factor of 9 comparing to same period 12 month back
We anticipe very very big thinks for Fintonic in Spain as well as in Latam

21. Página sin foto, texto
Thank you for coming!