This investor presentation provides an overview of ALTUM, Latvia's development finance institution. Some key points:
- ALTUM provides access to finance for priority areas in Latvia and implements state economic policy. Its portfolio totals 617 million EUR across loans, guarantees, venture capital funds and a land fund.
- It has a unique standing as a 100% state-owned institution established by law to partner with the government on economic development. Moody's assigns it an investment-grade rating of Baa1.
- The portfolio has grown 16.6% year-over-year, with guarantees now exceeding loans as the fastest growing segment. ALTUM is focusing on individuals, SMEs/mid-caps, and
This presentation provides an overview of Altum, Latvia's national development finance institution. It discusses Altum's business model, portfolio, and funding sources. Altum provides loans, guarantees, and venture capital to priority sectors in Latvia to promote economic development. As of December 2017, Altum had a diverse portfolio of €441 million consisting of loans, guarantees, and venture capital investments. It maintains a strong liquidity position with a liquidity ratio over 500% and diversified funding sources.
ALTUM Investor presentation, September 2021 (full screen)ALTUM
ALTUM is Latvia's development financial institution that provides financing to support the country's economic development priorities. It has a unique market position as the sole state-owned institution focused on development financing. ALTUM has grown significantly since its establishment in 2015 through the merger of three state entities, and now manages a portfolio of over EUR 859 million in financial instruments. It aims to continue expanding access to financing while maintaining strong corporate governance and financial stability.
This presentation provides an overview of Altum, Latvia's development finance institution. Key points include:
- Altum provides financing to priority sectors identified by the Latvian government through loans, guarantees, and venture capital investments.
- It has a well-diversified portfolio across industries and a strong liquidity position with over 350% liquidity ratio.
- Operational efficiency has improved through streamlining processes and a strategic shift to less administrative funding sources.
Altum is a state-owned development finance institution in Latvia that provides financing to support the country's economic growth. It offers loans, guarantees, and venture capital funding across several sectors. Altum aims to be financially sustainable in the long run through prudent risk management practices. It has a solid portfolio of over 18,000 outstanding contracts totaling nearly 500 million euros in assets.
This investor presentation provides an overview of ALTUM, a Latvian state-owned financial institution. Key highlights include:
- ALTUM provides access to finance for areas prioritized by the Latvian government with over EUR 800 million in financial instruments.
- It operates across Latvia with regional centers and consulting offices to serve clients.
- ALTUM has a unique standing as the sole national development bank in Latvia, established by law to implement state economic policy.
- The presentation reviews ALTUM's business lines, financial performance, funding and liquidity, risk management, and key indicators.
This document provides an overview of Aseana Properties Limited, a property developer focused on Malaysia and Vietnam. It discusses the company's business principles of diversifying its portfolio across the two countries, focusing on upscale developments, employing appropriate leverage, and actively managing its development portfolio. The document also notes that in June 2015 shareholders approved proposals for the orderly realization of the company's assets by 2018, including distributing a minimum of $20 million in 2015 from planned asset sales. Finally, it provides brief details on two projects in the company's Malaysia portfolio - Tiffani condominium and Aloft Kuala Lumpur Sentral Hotel.
This presentation provides an overview of Altum, Latvia's national development finance institution. It discusses Altum's business model, portfolio, and funding sources. Altum provides loans, guarantees, and venture capital to priority sectors in Latvia to promote economic development. As of December 2017, Altum had a diverse portfolio of €441 million consisting of loans, guarantees, and venture capital investments. It maintains a strong liquidity position with a liquidity ratio over 500% and diversified funding sources.
ALTUM Investor presentation, September 2021 (full screen)ALTUM
ALTUM is Latvia's development financial institution that provides financing to support the country's economic development priorities. It has a unique market position as the sole state-owned institution focused on development financing. ALTUM has grown significantly since its establishment in 2015 through the merger of three state entities, and now manages a portfolio of over EUR 859 million in financial instruments. It aims to continue expanding access to financing while maintaining strong corporate governance and financial stability.
This presentation provides an overview of Altum, Latvia's development finance institution. Key points include:
- Altum provides financing to priority sectors identified by the Latvian government through loans, guarantees, and venture capital investments.
- It has a well-diversified portfolio across industries and a strong liquidity position with over 350% liquidity ratio.
- Operational efficiency has improved through streamlining processes and a strategic shift to less administrative funding sources.
Altum is a state-owned development finance institution in Latvia that provides financing to support the country's economic growth. It offers loans, guarantees, and venture capital funding across several sectors. Altum aims to be financially sustainable in the long run through prudent risk management practices. It has a solid portfolio of over 18,000 outstanding contracts totaling nearly 500 million euros in assets.
This investor presentation provides an overview of ALTUM, a Latvian state-owned financial institution. Key highlights include:
- ALTUM provides access to finance for areas prioritized by the Latvian government with over EUR 800 million in financial instruments.
- It operates across Latvia with regional centers and consulting offices to serve clients.
- ALTUM has a unique standing as the sole national development bank in Latvia, established by law to implement state economic policy.
- The presentation reviews ALTUM's business lines, financial performance, funding and liquidity, risk management, and key indicators.
This document provides an overview of Aseana Properties Limited, a property developer focused on Malaysia and Vietnam. It discusses the company's business principles of diversifying its portfolio across the two countries, focusing on upscale developments, employing appropriate leverage, and actively managing its development portfolio. The document also notes that in June 2015 shareholders approved proposals for the orderly realization of the company's assets by 2018, including distributing a minimum of $20 million in 2015 from planned asset sales. Finally, it provides brief details on two projects in the company's Malaysia portfolio - Tiffani condominium and Aloft Kuala Lumpur Sentral Hotel.
Top 10 China Stock Picks - Century Financialrayanwarner
The document is an email from Century Financial advising that their top 10 China stock picks report is ready to be downloaded from their website. It provides a disclaimer that the information in the report is for informational purposes only and should not be considered advice. It also notes several risks and limitations of the information provided.
This document provides an investor update from Management Resource Solutions Plc regarding changes in the past year, including acquisitions, contract terminations, leadership changes, and new financing. It outlines the company's current divisions - Bachmann Plant Hire which provides bulk earthworks in Brisbane, and MRS Services Group which offers mining services in the Hunter Valley region of Australia. Biographical details are also provided for the new CEO.
Prophecy Platinum Corp. provided a presentation on its operations and projects in October 2011. The presentation contained forward-looking statements and disclaimers about the risks and uncertainties inherent in the company's projects. It also included information on the company's quality control and quality assurance procedures for sampling and assays. Mineral resources that are not mineral reserves were noted to not have demonstrated economic viability.
- Prophecy Wellgreen presents an inferred resource of 289 million tonnes at 1.18 g/t PGM+Au, 0.38% Ni, and 0.35% Cu, as well as an indicated resource of 14.3 million tonnes at 2.25 g/t PGM+Au, 0.69% Ni, and 0.69% Cu based on a 2011 NI 43-101 technical report.
- The project has excellent exploration potential for precious and base metals along its 17.5 km strike, which remains open at depth and to the south.
- It is located in the mining-friendly Yukon Territory of Canada near existing infrastructure for accessible development.
- The Wellgreen project has an inferred resource of 289 million tonnes at 1.18 g/t PGM+Au, 0.38% Ni, and 0.35% Cu, and an indicated resource of 14.3 million tonnes at 2.25 g/t PGM+Au, 0.69% Ni, and 0.69% Cu based on a 2011 technical report.
- The project has excellent exploration potential along a 17.5 km strike, is open at depth and to the south, and contains rhodium credits.
- The project is located in the accessible and mining-friendly Southwest Yukon near infrastructure with over 55km of drilling and 702 holes completed since its discovery
The Wellgreen platinum group metals project has a long history of exploration dating back to its discovery in 1952. Over 750 drill holes totaling over 55km have been completed to define the deposit. In 2011, an NI 43-101 technical report outlined 289 million tonnes of inferred resources grading 1.18 g/t PGM+Au, 0.38% Ni and 0.35% Cu, as well as 14.3 million tonnes of indicated resources at higher grades. The deposit remains open for expansion and is located in a mining-friendly jurisdiction in the Yukon with existing infrastructure.
1. Prophecy Platinum Corp. is a mining exploration company with a platinum group metals project in Yukon, Canada.
2. The presentation provides an overview and disclaimer for the company's Wellgreen platinum project.
3. It cautions readers that mineral resources are not reserves and do not have demonstrated economic viability, and that inferred resources have low confidence levels.
This document provides an overview of Prophecy Resources Corp. and its plans to fulfill Asia's growing energy needs through developing the Chandgana Power Plant in Mongolia. It outlines key risks and uncertainties such as obtaining necessary permits and approvals, uncertainties around resource and reserve estimates, and risks associated with operating in foreign jurisdictions. The summary cautions that forward-looking statements are based on assumptions and actual results could differ due to disruptions or other factors.
- The document is an investor presentation for a potential business combination between GBT JerseyCo Limited and Apollo Strategic Growth Capital.
- It contains legal disclaimers regarding the confidential nature of the presentation, that it does not constitute an offer or solicitation, and that projections should not be relied upon.
- The presentation contains forward-looking statements and projections that are based on estimates and assumptions that may prove to be incorrect, as well as risks and uncertainties that could cause actual results to differ materially.
The document is a disclaimer for an investor presentation by the Republic of Estonia. It states that the information provided does not constitute an offer to purchase securities and any investment decisions should not be based on this information alone. The information is for informational purposes only and should not be redistributed or used for any other purpose. Projections and forecasts included are based on government budget numbers and actual results may differ.
Stellar Diamonds plc marketing presentation Jan 2013James AH Campbell
This marketing presentation discusses Stellar Diamonds' diamond assets in Sierra Leone and Guinea, which include a JORC compliant inferred diamond resource of approximately 4 million carats across three projects. Stellar Diamonds aims to advance these projects towards feasibility studies and production. The presentation provides an overview of Stellar Diamonds' operations in 2012, details on the 4 million carat diamond resource, and context on rising global demand for rough diamonds driven by emerging markets.
Prophecy Resources Corp. is developing coal mines and a power plant in Mongolia to meet Asia's growing energy demands. The company owns two coal deposits totaling over 12 billion tons. It has obtained all necessary licenses to build a power plant near its mines, located only 120km from transmission lines. The management team has extensive experience developing large coal mines and power facilities. Investing in Prophecy provides exposure to Mongolia's booming resources sector near major economic growth centers with long-term energy needs.
The document provides a disclaimer and overview of information regarding the proposed 600 MW Chandgana power plant project in Mongolia. It notes that the information is for general background purposes and has not been independently verified. It warns that the information is subject to changes and updates, and disclaims any liability for inaccuracies or omissions. It also contains cautionary statements regarding forward-looking projections and the risks involved with the development of the power plant.
1. Prophecy Resources holds over 1.4 billion tonnes of coal resources across two properties in Mongolia.
2. It has secured all necessary permits to construct a mine-mouth power plant at its Chandgana deposit, located 150km from Mongolia's power grid.
3. The company's Ulaan Ovoo mine is currently producing coal, while its large Chandgana project has the potential to help meet Mongolia's growing energy needs and reduce its reliance on costly power imports from Russia.
Nacional Financiera S.N.C.: Investor PresentationMarch 2017Hanguk Yun Bendezú
Nafin is a development bank wholly owned by the Mexican government. It provides financing to support MSMEs, infrastructure projects, and power generation. Nafin's loan portfolio has grown significantly in recent years and it remains the largest development bank and third largest bank in Mexico. Nafin aims to improve access to financing for MSMEs and support strategic long-term projects through both direct lending and partnerships with other financial institutions.
- AIA Group Limited is a leading life insurance company in the Asia-Pacific region with operations in 15 markets.
- It has over 23 million policies in force and over $95 billion in total assets as of May 2010.
- In 2009, AIA faced reputational damage and financial pressures due to its former parent company AIG's liquidity issues. Several regulators imposed restrictions on AIA's operations.
- AIG then reorganized AIA's ownership, contributing its shares to a new entity majority owned by the US Federal Reserve, separating AIA from AIG's problems to prepare it for an IPO.
Nifty is forecasted to reach 9000 by August 2016 based on technical analysis. The long-term ascending wedge pattern and break above resistance at 6350 indicates the start of a new bull phase. The 161.8% Fibonacci level projects the next target at 9000, which Andrew's Pitchfork model supports may be reached by August 2016 if the index remains above its lowest fork line.
This document provides a summary of market performance on November 11, 2010. Key points include:
- The key Indian indices fell to fresh intraday lows as European stocks declined, with Reliance Industries and other stocks extending losses.
- Food and fuel inflation rates slowed slightly from the prior week.
- The follow-on offer of Power Grid Corporation was oversubscribed by 6 times on the third day of bidding.
- The Sensex closed down 1.37% and the Nifty fell 1.30% for the day. Real estate and telecom stocks underperformed while rice exporters rose.
ALTUM Investor presentation, June 2022 from ALTUM.pptxAgneseSperga
ALTUM is Latvia's national development finance institution that provides financing to support the country's economic development priorities. It has a portfolio of financial instruments worth 896 million euros, including loans, guarantees, venture capital funds, and a land fund. ALTUM operates with a unique legal status and high barriers to entry in the market. It aims to improve access to finance for SMEs, agriculture, individuals and other sectors in Latvia.
ALTUM Investoru prezentācija, Septembris 2021 (full screen)ALTUM
ALTUM is Latvia's development financial institution that provides financing to support the country's economic development priorities. It has a unique position in the market with over 859 million euros in financial instruments and 28,951 contracts. ALTUM follows strong corporate governance practices and has an experienced management team. It aims to continue expanding its portfolio and implementing its 2022-2024 strategy.
ALTUM is Latvia's development finance institution that provides financing to priority sectors to further Latvia's economic development. It has a diverse portfolio of loans, guarantees, and venture capital investments totaling €496 million. ALTUM has improved its operational efficiency through initiatives like project 25K and maintains strong financial metrics with a 37.1% equity ratio and liquidity ratio over 227%. Going forward, it aims to continue growing its business volumes while prudently managing risks.
Top 10 China Stock Picks - Century Financialrayanwarner
The document is an email from Century Financial advising that their top 10 China stock picks report is ready to be downloaded from their website. It provides a disclaimer that the information in the report is for informational purposes only and should not be considered advice. It also notes several risks and limitations of the information provided.
This document provides an investor update from Management Resource Solutions Plc regarding changes in the past year, including acquisitions, contract terminations, leadership changes, and new financing. It outlines the company's current divisions - Bachmann Plant Hire which provides bulk earthworks in Brisbane, and MRS Services Group which offers mining services in the Hunter Valley region of Australia. Biographical details are also provided for the new CEO.
Prophecy Platinum Corp. provided a presentation on its operations and projects in October 2011. The presentation contained forward-looking statements and disclaimers about the risks and uncertainties inherent in the company's projects. It also included information on the company's quality control and quality assurance procedures for sampling and assays. Mineral resources that are not mineral reserves were noted to not have demonstrated economic viability.
- Prophecy Wellgreen presents an inferred resource of 289 million tonnes at 1.18 g/t PGM+Au, 0.38% Ni, and 0.35% Cu, as well as an indicated resource of 14.3 million tonnes at 2.25 g/t PGM+Au, 0.69% Ni, and 0.69% Cu based on a 2011 NI 43-101 technical report.
- The project has excellent exploration potential for precious and base metals along its 17.5 km strike, which remains open at depth and to the south.
- It is located in the mining-friendly Yukon Territory of Canada near existing infrastructure for accessible development.
- The Wellgreen project has an inferred resource of 289 million tonnes at 1.18 g/t PGM+Au, 0.38% Ni, and 0.35% Cu, and an indicated resource of 14.3 million tonnes at 2.25 g/t PGM+Au, 0.69% Ni, and 0.69% Cu based on a 2011 technical report.
- The project has excellent exploration potential along a 17.5 km strike, is open at depth and to the south, and contains rhodium credits.
- The project is located in the accessible and mining-friendly Southwest Yukon near infrastructure with over 55km of drilling and 702 holes completed since its discovery
The Wellgreen platinum group metals project has a long history of exploration dating back to its discovery in 1952. Over 750 drill holes totaling over 55km have been completed to define the deposit. In 2011, an NI 43-101 technical report outlined 289 million tonnes of inferred resources grading 1.18 g/t PGM+Au, 0.38% Ni and 0.35% Cu, as well as 14.3 million tonnes of indicated resources at higher grades. The deposit remains open for expansion and is located in a mining-friendly jurisdiction in the Yukon with existing infrastructure.
1. Prophecy Platinum Corp. is a mining exploration company with a platinum group metals project in Yukon, Canada.
2. The presentation provides an overview and disclaimer for the company's Wellgreen platinum project.
3. It cautions readers that mineral resources are not reserves and do not have demonstrated economic viability, and that inferred resources have low confidence levels.
This document provides an overview of Prophecy Resources Corp. and its plans to fulfill Asia's growing energy needs through developing the Chandgana Power Plant in Mongolia. It outlines key risks and uncertainties such as obtaining necessary permits and approvals, uncertainties around resource and reserve estimates, and risks associated with operating in foreign jurisdictions. The summary cautions that forward-looking statements are based on assumptions and actual results could differ due to disruptions or other factors.
- The document is an investor presentation for a potential business combination between GBT JerseyCo Limited and Apollo Strategic Growth Capital.
- It contains legal disclaimers regarding the confidential nature of the presentation, that it does not constitute an offer or solicitation, and that projections should not be relied upon.
- The presentation contains forward-looking statements and projections that are based on estimates and assumptions that may prove to be incorrect, as well as risks and uncertainties that could cause actual results to differ materially.
The document is a disclaimer for an investor presentation by the Republic of Estonia. It states that the information provided does not constitute an offer to purchase securities and any investment decisions should not be based on this information alone. The information is for informational purposes only and should not be redistributed or used for any other purpose. Projections and forecasts included are based on government budget numbers and actual results may differ.
Stellar Diamonds plc marketing presentation Jan 2013James AH Campbell
This marketing presentation discusses Stellar Diamonds' diamond assets in Sierra Leone and Guinea, which include a JORC compliant inferred diamond resource of approximately 4 million carats across three projects. Stellar Diamonds aims to advance these projects towards feasibility studies and production. The presentation provides an overview of Stellar Diamonds' operations in 2012, details on the 4 million carat diamond resource, and context on rising global demand for rough diamonds driven by emerging markets.
Prophecy Resources Corp. is developing coal mines and a power plant in Mongolia to meet Asia's growing energy demands. The company owns two coal deposits totaling over 12 billion tons. It has obtained all necessary licenses to build a power plant near its mines, located only 120km from transmission lines. The management team has extensive experience developing large coal mines and power facilities. Investing in Prophecy provides exposure to Mongolia's booming resources sector near major economic growth centers with long-term energy needs.
The document provides a disclaimer and overview of information regarding the proposed 600 MW Chandgana power plant project in Mongolia. It notes that the information is for general background purposes and has not been independently verified. It warns that the information is subject to changes and updates, and disclaims any liability for inaccuracies or omissions. It also contains cautionary statements regarding forward-looking projections and the risks involved with the development of the power plant.
1. Prophecy Resources holds over 1.4 billion tonnes of coal resources across two properties in Mongolia.
2. It has secured all necessary permits to construct a mine-mouth power plant at its Chandgana deposit, located 150km from Mongolia's power grid.
3. The company's Ulaan Ovoo mine is currently producing coal, while its large Chandgana project has the potential to help meet Mongolia's growing energy needs and reduce its reliance on costly power imports from Russia.
Nacional Financiera S.N.C.: Investor PresentationMarch 2017Hanguk Yun Bendezú
Nafin is a development bank wholly owned by the Mexican government. It provides financing to support MSMEs, infrastructure projects, and power generation. Nafin's loan portfolio has grown significantly in recent years and it remains the largest development bank and third largest bank in Mexico. Nafin aims to improve access to financing for MSMEs and support strategic long-term projects through both direct lending and partnerships with other financial institutions.
- AIA Group Limited is a leading life insurance company in the Asia-Pacific region with operations in 15 markets.
- It has over 23 million policies in force and over $95 billion in total assets as of May 2010.
- In 2009, AIA faced reputational damage and financial pressures due to its former parent company AIG's liquidity issues. Several regulators imposed restrictions on AIA's operations.
- AIG then reorganized AIA's ownership, contributing its shares to a new entity majority owned by the US Federal Reserve, separating AIA from AIG's problems to prepare it for an IPO.
Nifty is forecasted to reach 9000 by August 2016 based on technical analysis. The long-term ascending wedge pattern and break above resistance at 6350 indicates the start of a new bull phase. The 161.8% Fibonacci level projects the next target at 9000, which Andrew's Pitchfork model supports may be reached by August 2016 if the index remains above its lowest fork line.
This document provides a summary of market performance on November 11, 2010. Key points include:
- The key Indian indices fell to fresh intraday lows as European stocks declined, with Reliance Industries and other stocks extending losses.
- Food and fuel inflation rates slowed slightly from the prior week.
- The follow-on offer of Power Grid Corporation was oversubscribed by 6 times on the third day of bidding.
- The Sensex closed down 1.37% and the Nifty fell 1.30% for the day. Real estate and telecom stocks underperformed while rice exporters rose.
ALTUM Investor presentation, June 2022 from ALTUM.pptxAgneseSperga
ALTUM is Latvia's national development finance institution that provides financing to support the country's economic development priorities. It has a portfolio of financial instruments worth 896 million euros, including loans, guarantees, venture capital funds, and a land fund. ALTUM operates with a unique legal status and high barriers to entry in the market. It aims to improve access to finance for SMEs, agriculture, individuals and other sectors in Latvia.
ALTUM Investoru prezentācija, Septembris 2021 (full screen)ALTUM
ALTUM is Latvia's development financial institution that provides financing to support the country's economic development priorities. It has a unique position in the market with over 859 million euros in financial instruments and 28,951 contracts. ALTUM follows strong corporate governance practices and has an experienced management team. It aims to continue expanding its portfolio and implementing its 2022-2024 strategy.
ALTUM is Latvia's development finance institution that provides financing to priority sectors to further Latvia's economic development. It has a diverse portfolio of loans, guarantees, and venture capital investments totaling €496 million. ALTUM has improved its operational efficiency through initiatives like project 25K and maintains strong financial metrics with a 37.1% equity ratio and liquidity ratio over 227%. Going forward, it aims to continue growing its business volumes while prudently managing risks.
2i Rete Gas - Debt Investor Presentation 2i Rete Gas
This debt investor presentation by 2i Rete Gas S.p.A. provides an overview of the company and its subsidiaries. It begins with introductions of the speakers and a disclaimer noting that the presentation does not constitute an offer or invitation to purchase securities. The presentation contains forward-looking statements and is intended only for relevant persons in the UK. It includes sections on credit highlights, final remarks, and an appendix.
This corporate presentation was prepared by IDBI Bank for general information purposes regarding the bank and its subsidiaries. It provides an overview of IDBI Bank, including its establishment and evolution over time, current business segments and distribution reach, and key recent business highlights showing improved financial performance. The presentation also outlines IDBI Bank's role in developing the financial sector through its investments in subsidiaries. It notes the sustained capital support provided by major shareholders the Government of India and LIC.
- Artisanal Spirits Company has signed a 10-year lease on a new supply chain facility in Uddingston, Scotland for cask storage, bottling, and order fulfillment. This facility is expected to cost £2-2.5 million to refurbish and has the potential to improve margins by around 2% through increased efficiencies.
- ASC invested £4 million in maturing whisky and other spirit stocks, helping to increase the retail value of its cask holdings by £90 million to £430 million total. It expanded new make spirit agreements covering 275,000 bottles annually and added 1,000 new cask holdings.
- The presentation provides an overview of ASC's business and
Union Bank of India is the 4th largest public sector bank in India with a pan-India presence supported by over 9,500 branches and 12,900 ATMs. It has a total business of INR 15.34 trillion with total deposits of INR 8.82 trillion and advances of INR 6.52 trillion as of December 2020. The bank has a strong retail franchise and over 56% of its domestic advances are in retail, agriculture and MSME segments. It is committed to digital banking and growing its technology capabilities to better serve its large customer base of over 120 million customers across India and overseas.
Max Healthcare Institute Limited's investor presentation provides an overview of the company and its growth drivers. It highlights the following key points in 3 sentences:
Max Healthcare is India's second largest hospital chain in terms of revenue, EBITDA and market capitalization, with a dominant presence in the largest and most profitable markets of Delhi NCR and Mumbai. It has a vision to be the most well regarded healthcare provider in India committed to clinical excellence, cutting edge technology, and research. The presentation outlines Max Healthcare's track record, strategic focus areas, and financial performance to position it for continued strong growth and profitable expansion.
DeFi Technologies builds and manages assets in the rapidly emerging decentralized financial market, providing institutional and retail investors easy access to previously unseen returns through innovative projects and groundbreaking protocols that are fundamentally reshaping the global financial system.
OKYO Pharma Limited (LSE: OKYO) operates as a life sciences and biotechnology company in the United Kingdom. Its development program includes Chemerin for the treatment of ocular inflammation, dry eye disease, and ocular neuropathic pain; and BAM-8, a non-opiod analgesic. OKYO Pharma Limited is headquartered in London, the United Kingdom.
OKYO Pharma (OKYO) is a bio-pharmaceutical company focused on the discovery & development of first-in-class pharmaceutical therapies to treat inflammatory eye diseases including dry eye and ocular pain. OKYO is developing a lipidated chemerin-peptide drug candidate OK-101, designed to target a key ocular receptor controlling inflammation and ocular pain. The drug, developed by a unique proprietary membrane anchored technology, is designed to increase agonist potency and ocular residence time.
Investor Presentation: Aegon Bank N.V. Conditional Pass-Through Covered Bond ...Aegon
In October 2015, Aegon Bank established a EUR 5 billion Conditional Pass-Through Covered Bond Programme, secured by prime Dutch residential mortgage loans.
Global snapshot of Ecommerce sector valuations, M&A transactions and investment deals in the last three years.
The report focuses on revenue multiples and financial metrics (e.g. margins and growth rates) of publicly listed companies.
The report also provides an overview of the number of M&A and investment deals in the past three years, as well as the total invested capital. It also includes a snapshot of the most active acquirers and investors in the sector.
EV Technology Group Ltd owns and operates iconic and luxury motoring brands and helps them 'go electric. It acquires iconic brands and invests in making the transition to electric.
IGNITE your…. Share equity investment
Presenter – Graeme Purdy, Chief Executive of Ilika will comment upon his own successful experience of
“leading the Company through successfully private funding rounds to finally floating on AIM”
Ilika Technologies Ltd was founded in 2004 as a spin-out from the School of Chemistry at the University of Southampton. The Company quickly established an international reputation for the rapid development of novel materials and secured commercial partnerships with a portfolio of blue-chip companies including Asahi Kasei, Shell, NXP and Toyota. The Company’s growth has been financed by three rounds of venture capital, an initial public offering (IPO) on the London Stock Exchange in May 2010 and a Placing in April 2012.
Mapal Investor Presentation September 2016 FinalIlan Diamond
This investor presentation provides an overview of Mapal Group plc and its innovative wastewater treatment technology. Mapal is seeking $2-3 million in funding to accelerate sales growth, develop a rental fleet, continue R&D, and provide working capital. The company's patented Floating Fine Bubble Aeration system provides a more effective and cheaper solution for wastewater treatment compared to traditional methods. Mapal has over 50 installations worldwide and aims to rapidly grow its sales from $1 million in 2016 to over $50 million by 2025.
Aegon Bank N.V. Covered bond 4th issuance investor presentationAegon
Aegon Bank N.V. operates a successful Dutch mortgage loan business through its subsidiary Aegon Hypotheken B.V. It has a diversified funding model including covered bonds and RMBS. Aegon Bank launched three successful covered bond transactions in 2015-2017 under its registered conditional pass-through covered bond program. The program and covered bonds are rated AAA/AAA by S&P and Fitch reflecting the high quality of the underlying mortgage collateral and dual recourse nature of the bonds.
Valour is a digital asset investment firm that allows traditional investors to identify and invest in a diversified
portfolio of digital assets across the decentralized finance, Web 3.0 and gaming sector. We capture the
upside in the explosive growth of the regulated Web 3.0 & future of gaming space via regulated equity
wrappers and a strategic partnership and ownership stake in SEBA Bank AG, a regulated crypto bank. We
are the only publicly traded company built to give investors direct exposure to these nascent markets.
Network International plans to acquire DPO Group, the largest online commerce platform in Africa, for USD 288 million. The acquisition will accelerate Network International's growth in Africa, which is expected to represent around 40% of the company's revenue by 2024. DPO operates in 19 African countries and provides online payment solutions and mobile money capabilities to over 47,000 merchants. The acquisition will broaden Network International's offerings in fast-growing areas like online payments and mobile money in Africa.
Pakalpojumu sniedzēju atlase | Daudzdzīvokļu māju energoefektivitātes programmaALTUM
Vebinārs Daudzdzīvokļu māju energoefektivitātes programma (15.11.2022.)
Daina Pulkstene | Altum Juridiskās nodrošinājuma daļas vadītāja
Par programmu: https://www.altum.lv/pakalpojumi/iedzivotajiem/daudzdzivoklu-maju-energoefektivitate-2022-2026/
#NextGenerationEU
Tehniskās dokumentācijas izstrādāšana | Daudzdzīvokļu māju energoefektivitāte...ALTUM
Vebinārs Daudzdzīvokļu māju energoefektivitātes programma (15.11.2022.)
Didzis Skrodelis | Altum Energoefektivitātes kompetences daļas vadītājs
Par programmu: https://www.altum.lv/pakalpojumi/iedzivotajiem/daudzdzivoklu-maju-energoefektivitate-2022-2026/
#NextGenerationEU
Vebinārs Daudzdzīvokļu māju energoefektivitātes programma (15.11.2022.)
Inese Romānova | Altum Daudzdzīvokļu mājas Energoefektivitātes daļas vadītāja
Par programmu: https://www.altum.lv/pakalpojumi/iedzivotajiem/daudzdzivoklu-maju-energoefektivitate-2022-2026/
#NextGenerationEU
Pakalpojumu sniedzēju atlase | Daudzdzīvokļu māju energoefektivitātes programmaALTUM
Vebinārs Daudzdzīvokļu māju energoefektivitātes programma (15.11.2022.)
Daina Pulkstene | Altum Juridiskās nodrošinājuma daļas vadītāja
Par programmu: https://www.altum.lv/pakalpojumi/iedzivotajiem/daudzdzivoklu-maju-energoefektivitate-2022-2026/
#NextGenerationEU
Kā sagatavot projekta pieteikumu | Daudzdzīvokļu māju energoefektivitātes pr...ALTUM
Vebinārs Daudzdzīvokļu māju energoefektivitātes programma (15.12.2022.)
Ieva Vērzemeniece | Altum Energoefektivitātes programmu departamenta vadītāja
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2. Disclaimer
This presentation and any materials distributed or made available in connection herewith (collectively, the “presentation”) have been prepared solely for your use and benefit for information
purposes only and are the sole responsibility of Akciju sabiedrība "Attīstības finanšu institūcija ALTUM" (the “Company”), and have not been verified, approved or endorsed by any lead manager,
bookrunner, underwriter or adviser retained by the Company. This presentation do not contain all of the information that is material to an investor. By accessing, downloading, reading or otherwise
making available to yourself any content of the presentation, in whole or in part, you agree to be bound by the following limitations and accept the terms and conditions as set out below.
No information contained in the presentation may be copied, photocopied, duplicated, reproduced, passed on, redistributed, published, exhibited or the contents otherwise divulged, released or
disseminated, directly or indirectly, in whole or in part, in any form by any means and for any purpose.
The presentation does not constitute or form part of, and should not be construed as, an offer, solicitation or invitation to subscribe for, underwrite or otherwise acquire, any securities of the
Company or any member of its group nor should it or any part of it form the basis of, or be relied on in connection with, any contract to purchase or subscribe for any securities of the Company or
any member of its group, nor shall it or any part of it form the basis of or be relied on in connection with any contract or commitment whatsoever. If any such offer or invitation is made, it will be
done pursuant to separate and distinct documentation in the form of a prospectus and any decision to purchase or subscribe for any securities pursuant to such offer or invitation should be made
solely on the basis of such prospectus and not this presentation. Any person considering the purchase of any securities of the Company must inform himself or herself independently before taking
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understand the risks involved in any purchase or sale of any financial instrument or any other information contained herein. This presentation should not be construed as legal, tax, investment or
other advice and any recipient is strongly advised to seek their own independent advice in respect of any related investment, financial, legal, tax, accounting or regulatory considerations.
The presentation has been provided to you solely for your information and background and is subject to amendment. Further, the information in this presentation has been compiled based on
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change without notice and the Company is not under any obligation to update or keep current the information contained herein. Accordingly, no representation or warranty, express or implied, is
made or given by or on behalf of the Company or any of their respective members, directors, officers, advisers or employees or any other person as to the accuracy, completeness or fairness of the
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directors, officers, advisers or employees nor any other person accepts any liability whatsoever for any loss howsoever arising, directly or indirectly, from any use of this presentation or its contents
or otherwise arising in connection therewith.
This presentation includes "forward-looking statements," which include all statements other than statements of historical facts, and involve known and unknown risks, uncertainties and other
important factors beyond the Company’s control that could cause the actual results, performance or achievements of the Company to be materially different from future results, performance or
achievements expressed or implied by such forward-looking statements. Such forward-looking statements are based on numerous assumptions regarding the Company’s present and future
business strategies and the environment in which the Company will operate in the future. By their nature, forward-looking statements involve risks and uncertainties because they relate to events
and depend on circumstances that may or may not occur in the future. Accordingly, any reliance you place on such forward-looking statements will be at your sole risk. These forward-looking
statements speak only as at the date as of which they are made. Past performance of the Company cannot be relied on as a guide to future performance. No statement in this presentation is
intended to be a profit forecast.
This presentation is not directed to, or intended for distribution to or use by, any person or entity that is a citizen or resident or located in any locality, state, country or other jurisdiction where such
distribution, publication, availability or use would be contrary to law or regulation or which would require any registration or licensing within such jurisdiction. THIS PRESENTATION IS NOT FOR
PUBLICATION, RELEASE OR DISTRIBUTION, DIRECTLY OR INDIRECTLY, INTO THE UNITED STATES, AUSTRALIA, CANADA OR JAPAN OR ANY OTHER JURISDICTION IN WHICH
SUCH PUBLICATION, RELEASE OR DISTRIBUTION WOULD BE UNLAWFUL. This presentation and the information contained herein are not an offer of securities for sale in the United States.
No securities have been or will be registered under the U.S. Securities Act of 1933, as amended (the “Securities Act”) or with any securities regulatory authority of any state or other jurisdiction of
the United States and securities may not be offered, sold or delivered within the United States except pursuant to an exemption from, or in a transaction not subject to, the registration requirements
of the Securities Act and applicable state securities laws and may only be sold outside of the United States in reliance on Regulation S under the Securities Act and otherwise in compliance with all
applicable laws and regulations in each country or jurisdiction in which any such offer, sale or delivery of securities is made. The Company does not intend to register or to conduct a public offering
of any securities in the United States. This presentation and its contents may not be viewed by persons within the United States (within the meaning of Regulation S under the Securities Act).
4. CONTENT:
I. General Information
II. Key Credit Highlights
III. Portfolio overview
IV. Profitability and efficiency
V. Funding and Liquidity
VI. Risk Management
VII. Key Financial and
Performance indicators
5. 100% LV state-owned financial institution,
with shareholders as follows:
OWNERSHIP
ALTUM a strategic engine of Latvia’s economic
development
Ministry of
Economics
30%
Ministry of
Agriculture
30%
Ministry of
Finance
40%
KEY PARAMETERS
provides access to finance in the areas
prioritized by the government and
implements the state policy in the national
economy
operates in 5 regional centers 16 consulting
offices in LV
ACTIVITY
Financial
instruments*
617 MEUR
operates in accordance with a special law
issued by Republic of Latvia Saeima / Law
on Development Financial Institution
UNIQUE STANDING IN THE INDUSTRY
Risk coverage
reserve
88 MEUR
Contracts
# 22 022
Rated by
Moody’s
Baa1
TCE/TMA**
29.4%
* Loans, Guaranties, Venture Capital Funds, Land Fund
**Tangible common equity/Total tangible managed assets, including the outstanding guarantees accounted for in the off-balance sheet
Data as of 31.12.2019
6. Key milestones of ALTUM
LZF
2017
Rating
On 15 June
2017 Moody`s
assigned to
ALTUM an
investment
grade rating
Baa1with a
stable outlook
2015
Established
On 15 April 2015
three state owned
companies were
merged into
ALTUM
2015
Land fund
On 1 July 2015
the Land Fun
administered by
the ALTUM was
put into action
2020
Design and
implementation of
crisis finical
instruments for
SME and
Midcaps – credit
guarantees and
working capital
loans
2017
First bond issue
In October 2017
ALTUM issued
EUR 20M bond,
becoming the
first national
development
institution in the
CEE countries
that has issued
the green bonds
Volume of
guarantees
2018
In Q2 2018 the
volume of
guarantee
portfolio
exceeded the
loan portfolio
Guarantees
exceeded Loan
portfolio
Pillar role
7. 65 MEUR 62 MEUR 60 MEUR 68 MEUR
2016 2017 2018 2019
Land fund
Guarantees
Loans
Venture
Capital
Business model at glance
Long-term profitability
Extra credit risk covered by public funding – Risk coverage reserve and
Portfolio loss reserve
Guarantees issued by ALTUM have 270 MEUR back-up guarantee in the
Latvian state budget
No dividend payments by law
MID TERM
TENDENCIES
LOANS
VENTURE CAPITAL
GUARANTEES
LOANS
GUARANTEES
VENTURE CAPITAL
MID TERM
TENDENCIES
Land fund
Portfolios
443 MEUR 454 MEUR 496 MEUR 560 MEURTotal assets
8. CONTENT:
I. General Information
II. Key Credit Highlights
III. Portfolio overview
IV. Profitability and efficiency
V. Funding and Liquidity
VI. Risk Management
VII. Key Financial and
Performance indicators
9. Key Credit Highlights
Ownership by The Republic of Latvia rated A3/A+/A-
by Moody’s, S&P and Fitch
OWNERSHIP
Clearly expressed state support - extra credit risk is
covered by the public funding
STATE SUPPORT
Long-term issuer credit rating Baa1 assigned by
Moody’s, standalone rating upgraded to Baa3
RATING
Equity ratio (TCE/TMA) 29.4%
Liquidity ratio 250%+
SOLID FINANCIAL
METRICS
Improving operational efficiencyTRACK RECORD
Prudent corporate governance and professional
management team
CORPORATE
GOVERNANCE
10. CONTENT:
I. General Information
II. Key Credit Highlights
III. Portfolio overview
IV. Profitability and efficiency
V. Funding and Liquidity
VI. Risk Management
VII. Key Financial and
Performance indicators
11. MID TERM
TENDENCIES
LOANS
VENTURE CAPITAL
GUARANTEES
Client segments
+16.6% YOYPORTFOLIO
+15.3% YOYNew transactions in 2019
Fastest growing segment – +30% during 2019 (mostly Housing and
Energy efficiency guarantees)
INDIVIDUALS
Largest segment - 40% of the portfolio, 50% of the new volumes
(mostly corporate guarantees and investment loans)
SME and Midcaps
Segment with historical sentiment (mostly loans and Land fund
activities)
AGRICULTURE
12. SME and
MidCap
Agriculture[CEL
LRANGE]
Individuals Financial…
Loans, 104
Guarantees, 135
Export credit guarantees`…
Loans, 108
Guarantees
11
Land fund
38
Guarantees, 129
Loans, 13
Venture capital
68 Loans
1
ALTUM portfolio map
• Housing guarantees
• Housing loans
• Housing energy
efficiency guarantees
• Housing energy
efficiency loans
Individuals
• Land purchase loans
• Land fund (Reverse rent
and IP)
• Loan guarantees
• Investment and working
capital loans
Agriculture
• Venture capital funds
– 4 generations, BIF
and BIF 2
• Loans
Financial
intermediaries
• Investment and
working capital loans
• Energy efficiency &
renewables loans
• Loan guarantees
• Export credit
guarantees
SME and
Midcap
617
MEUR
Data as of 31.12.2019, MEUR
13. ALTUM COVID-19 crisis financial instruments
Investment loans
restructure
Individual
Credit guarantee
Portfolio
Credit guarantee
WC loans
NEW
Finance lease
restructure
WC loans, Overdrafts
restructure
WC loans, Overdrafts
NEW
Banks for SME
and Midcap
Fast and efficient for small size
companies
Amount max 250 TEUR
Up to 50% of loan
Cap rate at 20%, 4 MEUR per
bank
ECL calculation up-front
State funding to cover credit
risk 25 MEUR
Amount max 5 MEUR
(in portfolio ave guarantee 230
TEUR)
Up to 50% of loan
ECL calculation up-front
State funding to cover credit
risk 25 MEUR
Volume
240 MEUR
Additional security for
up to 715 MEUR loans
Volume
200 MEUR
Amount max 1 MEUR
ECL calculation up-front
State funding to cover credit
risk 50 MEUR
ECL – expected credit loss
14. As situation is uncertain we do not consider it practicable to provide a quantitative
estimate of the potential impact
ALTUM expects that its borrowers would ask for temporary relief in form of
payment deferral, fee waivers, extensions of repayment term
Centralised guidance from ECB on ready-made macroeconomic scenarios
ALTUM would apply in ECL calculations and SICR assessment
Despite available crisis products in the market expected SICR*
of underlying
borrower for ordinary guarantees issued leading to higher ECL or guarantee
claim
No substantial negative effect upon liquidity is expected
Might be delay in timing for originally planned exits in VC funds for 2020-2021
The impact of COVID-19 on ALTUM
* SICR – significant increase in credit risk
15. Latvian Land Fund
5
M EUR 5.6
M EUR
1.1
M EUR
17.3
M EUR
9.1
M EUR
KURZEME
RIGA DIST.
VIDZEME
ZEMGALE
LATGALE
3 195
ha
1 923
ha
3 058
ha
4 379
ha
858
ha
Portfolio 38.1 MEUR
13 413 ha
Volumes
2019
16.3 MEUR
Data as of 31.12.2019
16. CONTENT:
I. General Information
II. Key Credit Highlights
III. Portfolio overview
IV. Profitability and efficiency
V. Funding and Liquidity
VI. Risk Management
VII. Key Financial and
Performance indicators
17. 434
463
529
617
2.8%
2.3% 2.1%
1.0%
0.%
1.%
2.%
3.%
4.%
5.%
6.%
7.%
8.%
9.%
10.%
0
100
200
300
400
500
600
700
2016 2017 2018 2019
Portfolio Year overheads VS Portfolio
«25K project». Fully
redrafted loan assessment
process. 35% of the total
number of the issued
reviewed remotely.
Increased capacity of
regional centres – average
amount issued in regional
centres increased to 71.4
TEUR in 2019 vs 40 TEUR
in 2018
Improvement of IT
infrastructure in 2019
provides simplified and
faster data processing and
information flow and
reduced manual input
Improving operational efficiency
Portfolio vs Overheads
4.9
2.2
8.7
4.1
8.1
2.2
4.0
6.0
4.5
8.1
0
2
4
6
8
2015 2016 2017 2018 2019
Profit dynamics
Profit ALTUM Company
Profit ALTUM Group
inmillionEURinmillionEUR
18. CONTENT:
I. General Information
II. Key Credit Highlights
III. Portfolio overview
IV. Profitability and efficiency
V. Funding and Liquidity
VI. Risk Management
VII. Key Financial and
Performance indicators
19. According to Cabinet of Ministers Regulations the public financing funds can be prolonged. In
practice, the funds remain on ALTUM balance sheet and are used to finance new programmes
All borrowings are of medium or long term (from 5 to 10 years and beyond)
19
Debt structure
9
9
21
20
2
19
62
25
7
23
55
55
55
77
31
108
Loans from International Financial
Institutions
Bond issued
Loans from State Treasury and Rural
Support Service
Public funding
Total liabilities
Funding maturity profile by type of funding source
as at 31.12.2019 (in MEUR)
< 1 year 1-5 years 5-10 years 10-15 years > 15 years
20. Bonds issued by
the Republic of
Latvia…
Cash at Banks
(Aa1-Aa3)…
Cash at Banks
(Baa1-Baa3)
24
Cash at Banks
(Ba1-Ba3)
6
Cash at State
Treasury, 138
Liquidity portfolio
as at 31.12.2019, MEUR
High liquidity ratio – maintained
over 582%*
Diversified exposure
Current buffer – in accordance
with the programme rules and
agreements with the State
Treasury, ALTUM has unused
credit lines from the State
Treasury to finance the support
programmes (23.5 MEUR)
Exceptionally strong liquidity position
* Liquidity ratio: due from other credit institutions and the Treasury with a maturity of up to 1 month and available-for-sale Investment
securities by the amount of the total liabilities maturing within 6 months and total financial commitments maturing within 6 months (off-
balance items)
21. CONTENT:
I. General Information
II. Key Credit Highlights
III. Portfolio overview
IV. Profitability and efficiency
V. Funding and Liquidity
VI. Risk Management
VII. Key Financial and
Performance indicators
22. New model for calculation of expected credit losses was introduced by the end of
2019 as part of ALTUM’s core system.
KYC process and client on-boarding is centralized
Digitalization of loan origination and automatization of workflow processes were
implemented
Enhanced Risk Management
23. Qualitative assessment of loan portfolio
13% 11%
8% 6% 0%
10%
20%
30%
40%
50%
60%
70%
80%
90%
100%
0
50,000
100,000
150,000
200,000
2016 2017 2018 2019
Loan portfolio
Ratio of Past due over 90 days
16%17%
InthousandofEUR
24. CONTENT:
I. General Information
II. Key Credit Highlights
III. Portfolio overview
IV. Profitability and efficiency
V. Funding and Liquidity
VI. Risk Management
VII. Key Financial and
Performance indicators
25. Key Financial data (TEUR) 2019 2018 2017 2016
Net interest income * 11,569 11,302 11,602 11,024
Profit for the period 8,131 4,092 8,709 2,170
Cost to income Ratio (CIR) ** 52.6% 74.8% 50.3% 88.4%
Employees 203 222 230 242
Total assets 560,061 495,939 453,668 443,400
Tangible Common Equity(TCE)/Tangible Managed Assets
(TMA)
29.4% 37.1% 35.1% 36.5%
Equity 232,738 221,590 222,848 210,406
Total risk coverage: 87,456 77,815 67,593 66,508
- Risk coverage reserve 99,778 85,276 62,651 63,636
- Risk coverage reserve used for provisions -27,829 -19,268 -4,753 -4,323
- Portfolio loss reserve within Reserves (specific reserve
capital)
15,507 11,807 9,695 7,195
Liquidity Ratio 180 days 582% 227% 482% 449%
Key financial and performance indicators (1)
* Due to reclassification of fees and commission related to lending activities following the industry practise, excludes fees and commission not related to
lending activities, the comparatives for 2018 have been reclassified with subsequent ratio recalculation.
** Due to reclassification of staff and administrative costs to be compensated as well as respective income on compensation, the comparatives for 2018 have
been reclassified with subsequent ratio recalculation.
26. Financial instruments (gross value), TEUR 2019 2018 2017 2016
Outstanding (by financial instrument)
Loans 240,412 217,131 207,585 217,429
Guarantees 284,232 236,895 182,376 147,175
Venture capital funds 68,331 59,698 62,299 64,785
Total 592,975 513,724 452,260 429,389
Number of contracts 22,022 18,280 14,402 11,449
Volumes granted (by financial instrument)
Loans 71,559 66,443 51,869 59,465
Guarantees 98,240 88,765 68,615 56,109
Venture capital funds 9,022 4,149 2,638 21,356
Total 178,821 159,357 123,122 136,929
Number of contracts 5,466 5,464 4,697 4,461
Leverage for raised private funding 142% 162% 185% 162%
Key financial and performance indicators (2)
In 2019, proceeding with the centralised reviewing of the applications for micro loans (up to EUR 25 thousand) introduced within the framework of increasing and automation of Altum’s operational efficiency, 35% of the total number of the granted loans were reviewed remotely, without involving the employees of the regional centres in the process of reviewing of the applications. This in its turn has sharply reduced the timeframe necessary for making decision on allocation of funding as well as increased the capacity of the employees of regional centres in terms of reviewing large projects. The granted amount under the centralised remote reviewing of applications and in regional centres increased by 17% or EUR 7.7 million, but the number of granted loans decreased by 7%. The average amount granted in regional centres increased from EUR 40 thousand in 2018 to EUR 71.4 thousand in 2019.