Fintech & Insurtech - Lending Platforms: Company presentation by Karl Sponholz, COO of Spotcap at the NOAH Conference London 2019, 30-31 October, Old Billingsgate.

1. Reshaping SME
lending
NOAH London Conference ‘19
Karl Sponholz
Chief Operating Officer
30 October 2019
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3. SME’s produce about $850 billion in annual revenues for
banks or approximately 20% of all banking revenues
2

4. Business owners expect the same seamless service and offerings
that they experience in their personal lives
This also applies to lending – they are now demanding a better
digital approach from their banks
3

5. $272
$284
$296
2019
2020
2021
2022
$309
Sum of Global Tech Spending by Banks
($ Billions)
Source: Celent – Global Tech Spending Forecast: Banking Edition, 2019
CAGR 4.3%
Global bank IT spending in
2019 reached $272 billion
and is expected to increase
to $309 billion by 2022
Yet over 70% of that
spending is still allocated to
maintenance with
innovation still lagging

6. 81%
40%
Decrease in costs by
banks that have already
embraced digital
transformation
3-5 weeks
90%
Of banks have
commenced digital
transformation but
lending is still
largely manual
Banks understand digital transformation and partnerships
with fintechs are essential to improving the SME experience
Of bank executives
believe collaborating
with partners is the best
strategy towards digital
transformation
5
Average “time to
decision” for SME
lending in traditional
banks

7. 6
We understand finance &
SMEs
We have won awards and the
support of local government, and
have supported thousands of
small and medium sized
businesses in five markets
We’ve built an award-
winning platform
Our proprietary digital lending
platform is capable of servicing
the entire lending process. Each of
its components can be customised
to suit the client’s needs
Technology & Service
We focus on technology and
automation, but we also act as an
extension of the client’s team and
are well-known for our
professional consulting
7 Financial institutions from 5 countries have already
selected Spotcap as a partner – here is why

8. 7
Spotcap LendSuite
Onboarding
Build omni-channel
customer acquisition
paths
Seamlessly integrate
leads from your existing
architecture
Automate customer
verification processes &
fraud prevention checks
Advanced Data
Processing
Spotcap LendSuite
Our flexible and fully customisable lending platform
Automate the recognition,
extraction and mapping of
data from all types of
documents
Immediately determine
customers' risk profiles
Improve UX with real-time
feedback
Decision Engine & Risk
Analytics
Reinforce underwriting
with proven risk
parameters, decision rules
and workflows
Assist manual case
reviews with our
comprehensive
visualisation tool
Workflow Management
& Loan Servicing
Improve customer
interactions & services
with best-in-class CRM
Raise efficiency via a
proprietary loan
management system
Enable collections agents
with highly-automated
workflows

9. Deep-dive: Decision Engine & Risk Analytics
Used by banks and fintechs as part of our full LaaS platform or as a stand-alone solution
Spotcap Decision Engine
THIRD PARTY
DATA SOURCES ...
8
Bank data
Financial data Interest rate
Profile/User data Risk score
Term
Credit amount

10. 9
Spotcap aims to achieve a 10% share in the €50bn+ global
SME LaaS market
10%
Market share
target
€50bn+
Estimated market
potential in global
SME LaaS segment
Key levers to growth
• Build on our existing partnerships with
€3bn+ volumes expected by 2022
• Rapidly expand to 10+ markets globally
and further drive pipeline growth
• Further broaden our reach by
providing a modular offering, in
addition to our end-to-end platform

11. Thank you.
© Spotcap, 2019
SpotcapGlobal
Spotcap Global
Spotcap Global Services
.com

12. 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 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