Smava, Germany's leading personal loan platform, aims to make loans transparent and affordable, saving consumers an average of 1,000 euros per loan. The market is shifting online, with Smava experiencing significant growth at a 90% CAGR since 2012, positioning it as the largest platform in Germany. The document also discusses the strategic role of Noah Advisors in facilitating investment opportunities and M&A transactions within the European digital ecosystem.

1. Germany’s Leading Platform for Personal Loans
Noah 2018
7th of June 2018

2. Three Conferences, One Mission: Empower the European Digital Ecosystem
To provide a physical marketplace
that facilitates funding of
digital European companies
at all stages
Mission MissionMission
To promote Israel - European
relationships and enable funding
To bring together future-shaping
executives and investors active
across segments driven
by digital revolution
Connecting
Capital with
Entrepreneurs
Connecting European
Champions
and Challengers
Connecting Israel’s Startups
with Large Corporates
and Investors
30-31 October 2018
Old Billingsgate, London
13-14 June 2019
STATION Berlin
9-10 April 2019
Haoman 17, Tel Aviv

3. 2
smava‘s Story

4. 3
1. Mission: Making Personal Loans Transparent, Fair and Affordable for Consumers

5. 4
smava is significantly cheaper than the market
Consumers save on average 1,000 Euro per loan
Price gap between smava loans & market average is widening
Campaigning for cheaper online loans drive overall online market growth
APR Comparison
market
smava

6. smava on the First Page of BILD - Germany‘s Largest Newspaper
5

7. 6
2. Huge Market Opportunity Shifting Online
Online is significantly outgrowing offline in the overall loan market
Key Drivers
1
2
3
Non-banks already generate every second loan online
High lender fragmentation enables strong market position for smava
New Online Loan Book per Year (in €bn)Large Addressable Market in Germany

8. 7
Compared to the US a Significantly Higher Share of German Customers are “Prime
Borrowers”
US: 75% Prime and Near-prime Germany: 95% Prime and Near-prime
70%
25%
5%
Prime (A-E) Near-prime (F-H) Sub-prime (I-M)
Rating class as share of
population
• Good access to credit
• Low interest rates
55%
20%
25%
Prime (700-850) Near-prime (640-699)
Sub-prime (350-640)

9. 8
3. Dynamic Growth: 90% CAGR for Annual Loan Origination of smava since 2012

10. 4. Significant Scale:
How smava became the Largest Pureplay Platform for Personal Loans in Germany
9
2012 – 2017:
● Consistent strong growth since 2012 with over 90% CAGR in loan volume
2017:
● First lender offering a negative interest loan in Germany
● Proprietary products such as Kredit2Day enable to control pricing
● Expansion in new markets like cooperation with mobile.de – Germany‘s #1 car sales platform
2018
● Investment of $65 Million from Vitruvian in January 2018 ($135 Million raised in total from
Earlybird, Verdane Capital and Runa Capital)

11. 10
Our cooperation with Germany‘s #1 car platform – Mobile.de
Mobile.de is part of ebay Group
> 1,4 million car offerings
> 15 million unique users

12. THANK YOU!
Mobile: +49 179 59 09 671
Email: alexander.artope@smava.de
https://www.linkedin.com/in/alexander-artope-b87/
Alexander Artopé
CEO & co-founder

13. Selected Completed NOAH Transactions
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 8th 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
December 2014
September 2014
October 2014
May 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
Sale of controlling stake in
to
Exclusive Financial Advisor to
Facile.it and its Shareholders
sold 100% of
for $228m to a joint venture between
Exclusive Financial Advisor to Yad2
and its Shareholders
Unique Industry Know-How
Unmatched Network and Relationships
Strong Investment Banking Competence
Full Commitment - We Are Entrepreneurs!
EUROPE’S LEADING INTERNET
CORPORATE FINANCE BOUTIQUE
September 2016October 2016
December 2016
Financial Advisor to Oakley Capital
®
Marco Rodzynek
Managing Director & Founder
marco.rodzynek@noah-advisors.com
Jan Brandes
Managing Director
jan.brandes@noah-advisors.com
The NOAH Advisors Core Banking Team
Acquisition of a Majority Stake in
by
from
at a valuation of €300m
Investment in
Exclusive Financial Advisor to KäuferPortal
and its Shareholders
by
84% Ownership
Financial Advisor to Silver Lake
Investment in
by
August 2017
Financial Advisor to EMK Capital
Acquisition of a Majority Stake in
by
at a valuation of $200m
Aleksander Skwarczek
Analyst
aleksander.skwarczek@noah-advisors.com
Nikhil Parmar
Director
nikhil.parmar@noah-advisors.com