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Raisin - NOAH19 Berlin
Raisin is a fintech platform aimed at simplifying savings and investment options for European customers, addressing issues like low interest rates and fragmented user experiences. The service offers a low-cost investment solution and has achieved significant traction, with clients earning substantial excess interest since its inception. Raisin seeks to enhance returns in the savings market by improving the overall savings landscape across Europe.
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Raisin - NOAH19 Berlin
- 1. Raisin – thefintech opening borders across Europe NOAH Conference Berlin, June 14, 2019
- 2. @NOAHConference @noah_conference @noah-conference @NOAHConference FOLLOW USONSOCIAL
- 3. What banking customersface today: Low interest rates, expensive products, and a fragmented user experience Savings On average, European savers receive less than 0.3% on their savings (EUR 10+ trn market) Investments Investment products (EUR 5+ trn market) are expensive, often actively managed and opaque User Experience High complexity of maintaining multiple accounts and logins at different providers and banks A B C 1
- 4. A non-transparent andnon-integrated marketA 0,29% Slovakia 1,22% 0,72% 0,93%France Italy Germany Euro Average 0,29% 0,04%Spain 0,03%Ireland 40x Average interest rates for March 2019 as published by the ECB Large differences amongst single countries Rate differentials very high also in local markets A lot of practices to the disadvantage to customers (e.g. hook rates or bundle products) 2
- 5. 3 Solution: Pan-European platformconnectingA GERMANY2,200 Household savings in € bn UK1,600 SPAIN800 AUSTRIA300 THE NETHERLANDS400 FRANCE1,400 IRELAND100 Leading brands Specialized players Mid-size attackers consumers and banks 3
- 6. •Simple ETF-portfolio solution •Lowminimum investment amounts with stand-alone savings plan •Market leading all-in costs of 0,49% p.a. •Leading and predictable performance. Product recommended by Finanztest and Finanztip WeltInvest value proposition WeltInvest: Setting a benchmark for investment productsB Ø 0,16% p.a 1,12% p.a 2,26% p.a 0,33% p.a WeltInvest cost Robo-Advisor Actively managed funds Ø 0,49 % p.a Cost structure 4
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- 8. Progress in thelast 12 months A lot has happened… 0 1000 2000 3000 4000 5000 6000 7000 8000 9000 10000 11000 12000 13000 Brokered volume 2014 – Q2 2019 EUR mn Acquistion of MHB Bank New Markets New API / Distribution Partner EUR 100 million primary Series D funding 6
- 9. Today … Our clientshave earned excess interest of more than 90 million EUR … and where we are headed? Increasing the average return in a 15 trn EUR savings and investment market by only 0.1% = 15bn excess return. Our driving motivation: Breaking down barriers to better savings across Europe 7
- 10. Thank you! Visit uswww.raisin.com www.weltsparen.de @raisin_en Contact us Tamaz Georgadze CEO & Founder tamaz.georgadze@raisin.com
- 11. Selected Completed NOAHTransactions 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 buyers’ key decision makers Proactively finds and unlocks attractive investment opportunities for leading investors Annual NOAH Conference in its 10th 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 Unique Industry Know-How Unmatched Network and Relationships Strong Investment Banking Competence Full Commitment - We Are Entrepreneurs! EUROPE’S LEADING INTERNET CORPORATE FINANCE BOUTIQUE® The NOAH Advisors Core Banking Team Marco Rodzynek Managing Director & Founder Jan Brandes Managing Director Nikhil Parmar Director Olek Skwarczek Associate Lukas Schlund Analyst December 2014 October 2014 Sale of 100% of for $800m to Exclusive Financial Advisor to Fotolia and the Selling Shareholders Sale of 100% of for €80m to Exclusive Financial Advisor to Trovit and its Shareholders October 2016 Investment in Exclusive Financial Advisor to KäuferPortal and its Shareholders by 84% Ownership December 2016 August 2017 Financial Advisor to Silver Lake Financial Advisor to EMK Capital Investment in Acquisition of a Majority Stake in by by at a valuation of $200m November 2019 July 2019 September 2018 Financial Advisor to MagicLab Financial Advisor to AU10TIX and its shareholders Financial Advisor to 10bis and its shareholders Acquisition of a 79% stake in $60m Investment in Sale of 100% in by at a valuation of ~$3 billion at a valuation of $260m by for €135m to 10Bis