BitBank Presentation

2013
BitBank. Bank of Intelligent Technologies.
1.
6.
28
2.
6.1.
29
2.1.
6.2.
30
2.2.
6.3.
31
2.3. PFM
6.4.
32
2.4.
6.5. -
33
6.6. IT 2014
34
6.7.
35
3.

3.1.
10
3.2.
11
7.
36
3.3.
12
7.1.
37
3.4. PFM
13
7.2.
38
4.
14
7.3.
39
4.1.
15
7.4.
40
4.2.
16
7.5.
41
4.3.
17
7.6.
42
5.
18
7.7. SWOT
43
5.1.
19
8. Disclaimer
44
5.2. BitBank
21
9.
45
5.3.
22
9.1. 2:
46
5.4.
24
9.2. 3:
48
5.5.
25
9.3.
50
5.6.
26
9.4.
51
5.7.
27
9.5.
52
9.6.
55

BitBank -
(Bank 3.0). :
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2010
2011
2012
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2013
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51 490
599 800
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563 520
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526 790
42 140
515 380
41 230
510 580
40 850
508 200
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489 520
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475 810
38 060
465 350
37 230
448 390
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SMS
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Group 1
Loyal client
Group 2
Unreliable
Group 3
Dangerous

Group 4
Fraud
Range
(22;65)
Mean
35.67
Range
(21;67)
Mean
38.73
Range
(19;62)
Mean
33.28
Range
(20;67)
Mean
36.89
(2000;6000)
5,205.00
(1000;6000)
4,321.00
(1000;6000)
3,721.00
(1000;4000)
3,200.00
(0; 2.84)
0.73
(0; 2.06)
0.78
(0;1.68)
0.97
(1.65; 4.33)
2.38
(28; 412)
183.00
(29; 288)
124.00
(15;328)
210.00
(15; 106)
91.00
(28; 122)
63.00
(10; 211)
127.00
(10; 328)
212.00
(84; 354)
278.00
(0;1)
0.82
(0;1)
0.48
(0;1)
0.21
(0;1)
0.06
(PTP)
(0;1)
0.63
(0;1)
0.22
(0;1)
0.09
(0;1)
0.02
(0.34;1)
0.72
(0.01; 0.42)
0.17
(0; 0.27)
0.07
(0; 0.09)
0.01

:
Pre-collection , Welcome call
( ).
Soft collection Hard collection , , , IVR.
120+ DPD
In-house
Collection
IN-HOUSE
COLLECTION
4120 DPD
120+ DPD
4 -120 DPD
30
15
20
40
45
48
70
78
Soft Collection (4-90 DPD)
100
120 DPD
10
60 DPD
4 DPD
1 DPD
Hard
Collection
50 Start 60
SMS
Hard Collection
Skip Tracing (4-120 DPD)
IVM / IVR
,
,
-. BitBank ,
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( )
, .
20%
20%
90
80
( )
50%
30%
60
4 0%
70

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50
40
30
27
50%
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60%
50%
20
10
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BitBank

BitBank,

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29
20
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24
41
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19
32

30
51

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31
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117 199
23 39
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42 72
22 37

116 197

42
71
28 48
23 39

23 39

108
184

28 48

35 60
23 39
22 37

85 145
36 62
29 49

20 34

89 151
54 91

35
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2
.

6 .
BitBank

1 .
BitBank
49 536 188 $
3 390 625 $
100%
47 329 312 $
90
80
49 536 188 $
5
32 927 062 $
70
60
885 772 $
50
40
12 339 000 $
30
20
3 390 625 $
2
10
1 703 812 $
0
2014 2015
1
2011
2012
2013
2016

- , .
BitBank .
Cross / up sale

-

-
.
RealTime Scoring
RealTime Marketing
BigData, .

CRM
RealTime CoreBanking

100%
IT
2014

PersonalFinanceManagement
Gamification
, 20122013
. 220 ( ),
.
POS-
1 500 000
POS-
200 000
1 316 260
1 200 000
150 000
900 000
720 000
100 000
600 000
298 350
50 000
300 000
195 000
18 670
82 610
56 260
108 730
39 000
4110
2009
2010
2011
2012
2013 (II )
, . .
800.0
(: ).
700.0
600.0
500.0
400.0
565.6
300.0
57%
200.0
100.0
0.0
93.5
1.4
32.3
2013
2014
2015

168.1
673.1
694.3
345.4
2016
2017
2018
2019
2020

, .
, .
1,800.0
1,600.0
1,550.7
217%
1,400.0
1,583.7
200%
1,258.9
1,200.0
1,000.0
800.0
79%
443.9
600.0
400.0
200.0
0.0
3.0
2013
78.3
2014
100%
74%
63%
50%
23%
2016
2017
150%
770.6
248.3
2015
250%
2018
2019
2% 0%
2020
1000
900
800
700
600
500
400
300
200
100
0
80%
75%
70%
61%
516.6
585.7
54%
663.5
57%
759.3
54%
813.6
60%
50%
856.7
49% 50%
40%
875.6
30%
20%
10%
2013
2014
2015

2016
2017
2018
2019
2020
( )
0%
37

,
2016 100 .
150 . 2018
, . .

, 40%
700.0
600.0
2014
100 .
500.0
400.0
300.0
125.5
200.0
100.0
-
114.4
119.8
250.0
250.0
168.9
217.2
219.9
2018
2019
2020
80.0
2013
19.0
5.8
2014
59.2
23.4
2015
25.1
100.0
100.0
85.4
47.6
2016
2017
250.0
, . .
, . .
250.0
217.2
304.9%
200.0
219.9
168.9
150.0
85.4
100.0
50.0
-
5.8
2013
2014
23.4
47.6103.2%
2015
2016
79.6%
350.0%
140
300.0%
120
250.0%
100
200.0%
80
150.0%
60
100.0%
97.7%
28.6%
2017
2018
2019

50.0%
1.3%0.0%
2020
25.2
20
0
2013
7.6
10.83
2014
45.9
2015
83.5
88.0
2019
2020
99.8
51.9
20.1
2016
- BitBank
31.1
27.7
12.0
40
30.5
2017
2018
38

. .
2013
2014
2015
2017
2018
2019
2020
, . .
13,055.5
-
1,042.9
466.3
2,014.6
2,160.6
23,043.3
5,000.0
5,703.7
9,569.9
8,131.1
14,782.4
9,453.3
16,530.6
9,747.2
16,889.9
1,376.3
32,290.2
93,462.8
168,125.1
345,370.3
565,606.2
673,084.5
694,305.2
1,284.6
1,490.4
1,619.7
1,513.2
1,868.7
2,557.3
2,281.0
1,867.1
15,716.4
35,289.8
99,257.7
197,681.6
362,512.5
591,077.0
701,349.4
722,809.4
16,485.0
15,716.4
800.0
16,597.5
(768.6)
16,801.4
17,071.2
17,519.1
17,318.3
17,318.3
17,540.5
(5,507.6)
1,132.0
12,941.4
34,546.9
75,254.5
102,865.1
116,265.1
11,089.9
17,933.4
30,012.6
52,066.0
92,572.8
120,183.4
133,805.6
5,781.0
18,418.9
23,408.2
57,916.0
47,568.1
100,000.0
20,100.9
85,428.4
100,000.0
125,018.2
168,898.5
250,000.0
79,605.6
217,155.3
250,000.0
114,010.8
219,941.3
250,000.0
119,062.4
24,199.9
81,324.2
167,669.0
310,446.6
498,504.1
581,166.0
589,003.8
/
2013
345.4
2019
2020
2013
2014
105.0%
168.179.2%
93.5
32.3
1.4
150%
100%
63.7%
50%
19.0%
2015
2016
2017

2018
2019
, %
2020
3.2%0%
ROA, . .
80.0
2016
115.0
11,072.3
38,484.1
75,558.5
128,397.8
212,370.3
278,509.8
290,100.3
115.0
(1,303.8)
9,768.6
(6,720.7)
31,763.4
(17,707.2)
57,851.3
(28,421.3)
99,976.5
(49,772.4)
162,597.9
(67,742.8)
210,767.0
(76,156.6)
213,943.7
50.0
140.9
1,153.0
3,736.8
8,914.2
16,518.1
25,823.9
32,923.2
30.0
(17.7)
(641.7)
(1,677.5)
(4,796.2)
(7,883.6)
(15,128.5)
(18,857.1)
(21,498.8)
(839.7)
(40.3)
(11,552.2)
(2,039.9)
(21,187.8)
(7,133.4)
(26,398.2)
(15,294.7)
(40,587.1)
(28,250.7)
(56,722.5)
(50,782.3)
(58,063.4)
(72,092.6)
(53,670.9)
(81,684.9)
/
(782.6)
(4,324.3)
(75.1)
2,917.6
(466.8)
15,099.0
(2,415.8)
32,169.3
(5,147.1)
56,482.7
(9,037.2)
87,577.7
(14,012.4)
90,012.4
(14,402.0)
(4,399.4)
2,450.8
12,683.2
27,022.2
47,445.4
73,565.3
75,610.4
(782.6)
2018
2015
2017
200%
400.0
300.0
300%
250%
188.3%
500.0
100.0
694.3
565.6
600.0
2014
673.1
700.0
200.0
. .
2016
70.0
9.6%
8.5%
60.0
5.0%
3.6%
10.0
(10.0)
0.0%
47.4
40.0
20.0
15.0%
11.4%
10.6%
75.6
10.0%
10.0%73.6
(5.0)%
27.0
(10.0)%
2013
(0.8)
(17.3)% 2.5
2014
2015
(4.4)
(10.0)%
12.7
2016
2017
2018
2019
2020
(15.0)%
(20.0)%
ROA
39
30%
5.4 .., ( ,
)
120 . . 20%


30%
BitCreditOverseasLtd.
30%
Bit Credit
Overseas Ltd.
100%

:
:
: ,
: 42
100%

BitcreditOverseasLtd.
2012 .
Bit credit Overseas 100%
,
2013 .
BitBank .
Bit redit Overseas 100%

, 1,5 . .
100% BitBank

15 . . (120 . )
SWOT

,

-

(Oracle, SAS, HP)
-

( )
PFM , ,

Disclaimer
This presentation is presented by Bit Credit Overseas Ltd (the Company),
The distribution of this presentation may be restricted by the law in certain
andtheinformation and opinions contained herein are, unless otherwise stated,
jurisdictions. Persons into whose possession this presentation gets should
solely those of the Company and have been compiled or arrived at from sources
beinformed about it and observe any such restrictions. Any failure to comply with
believed to be reliable. This document should not be used in substitution for the
this restrictions could result in a violation of the law in such jurisdiction.
exercise of independent judgment.
The Information may contain forward-looking statements. Forward-looking
The Company and its affiliates disclaim all warranties regarding this presentation
statements are generally identifiable by the use of the words may, will,
and shall not bre resposible or liable for any damages due to statements, errors
should, plan, expect, anticipate, estimate, believe, intend, project, goal
oromissions in this presentation.
ortarget or the negative of these words or other variations on these words
The Company and its affiliates shall have no responsibility or liability whatsoever
for any loss arising from the use hereof, and make no representation or warranty,
in respect to inaccuracy in or omission from the presentation. The information
andopinions contained herein are subject to change without notice.
You as a recipient of this presentation are expected to keep its contents strictly
confidential and not to distribute or divulge the contents here of to the press
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orcomparable terminology. Forward-looking statements involve a number

ofknown and unknown risks, uncertainties and other factors that could cause our
orour industry's actual results, levels of activity, performance or achievements
tobe materially different from any future results, levels of activity, performance
orachievements expressed or implied by such forward-looking statements.
TheCompany does not undertake publicly to update or revise anyforwardlooking statement that may be made herein, whether as a result of new
information, future events or otherwise.
retransmit, adapt, publish, flame, post, upload, modify, broadcast or distribute

any content of this presentation in any way, in whole or in part, for any purpose
whatsoever, without our prior written permission.
44
2:

2: , 100 . . 2017

. .
2013
2014
2017
2018
2019
2020
988.0
198.7
1,804.4
1,442.4
3,035.1
2,089.4
9,561.5
5,000.0
5,869.6
5,060.0
17,724.1
5,000.0
51,932.3
5,000.0
1,147.5
26,796.3
72,440.1
123,510.8
230,482.8
339,464.6
474,242.9
522,131.3
1,282.6
1,479.4
1,544.7
1,330.0
1,374.7
1,650.2
1,759.3
1,597.9
15,719
29,462
77,232
129,965
246,419
352,044
498,726
580,661
16,597.5
(5,605.5)
10,992.0
16,801.4
(146.0)
16,655.5
17,071.2
17,519.1
17,318.3
17,318.3
17,540.5
8,712.3
18,238.9
37,804.1
67,422.0
89,887.9
25,783.5
35,758.0
55,122.4
84,740.3
107,428.4
5,781.0
12,689.4
17,556.2
43,020.1
41,622.1
62,559.7
85,428.4
100,000.0
25,232.7
168,898.5
100,000.0
28,023.6
283,508.3
100,000.0
30,477.8
342,131.0
100,000.0
31,102.1
18,470.4
60,576.2
104,181.8
210,661.0
296,922.1
413,986.0
473,233.1
2015
2016
2017
2018
2019
2020
2013
, . .
600.0
500.0
169.3%
300.0
2014
100.0
-
180,761.5
211,201.8
112.5
(1,088.1)
8,333.5
(5,108.0)
25,563.8
(10,821.1)
45,003.6
(22,553.1)
67,868.3
(32,290.5)
101,602.8
(47,560.8)
133,200.7
(62,928.5)
148,273.4
2,823.9
6,491.0
11,194.6
17,502.3
24,314.9
20.0
10.0
(1,285.9)
(2,839.9)
(6,576.3)
(8,924.4)
(13,182.2)
(16,232.7)
(835.1)
(40.4)
(10,581.5)
(1,758.7)
(18,478.6)
(5,752.0)
(22,095.4)
(11,361.2)
(30,871.5)
(19,812.7)
(39,437.4)
(31,878.0)
(47,458.4)
(46,196.1)
(48,176.4)
(58,855.1)
/
(780.0)
(4,425.0)
(75.1)
920.3
(181.6)
11,531.0
(1,845.0)
17,098.8
(2,735.8)
32,557.6
(5,209.2)
43,866.3
(7,018.6)
49,324.0
(7,891.8)
(4,500.1)
738.7
9,686.0
14,363.0
27,348.4
36,847.7
41,432.2
2015
2016
2017
47.2%
2018
50%
39.7%
2019
2020
10.1%
0%
, %
15%
50.0
133,893.3
(528.6)
2014
100%
60.0
90,421.4
(17.0)
2013
73.1
150%
ROA, . .
55,824.7
873.0
27.1
230.786.1%
69.7%
124.0
250%
200%
339.7
30,671.8
110.3
1.1
522.4
9,421.6
(780.0)
474.5
400.0
112.5
300%
200.0
2016
13,288.9
-
16,485.0
(765.9)

15,719.1
. .
2015
(10.0)
9.1%10%
5%
49.3
0%
42.0
30.0
9.0%
5.8%
5.6%
40.0
9.8%
-5%
(5.8)%
27.1
(12.8)%
2013
(1.0)
-15%
(24.8)% (3.1)
2014
2015
(5.8)
-10%
5.8
11.0
2016
2017
-20%
2018
2019
2020
-25%
-30%
ROA
46
2:

2: , 100 . . 2017
, . .

( 72% 2020 )
: 80%
: 71%
500.0
450.0
400.0
350.0
300.0
250.0
200.0
150.0
100.0
50.0
-
31.1
30.5
100.0
100.0
28.0
25.2
100.0
-2013
12.7
5.8
2014
43.0
17.6
2015
342.1
283.5
100.0
168.9
62.6
85.4
41.6
2016
2017
2018
2019
2020
ROE, . .
, .
120.0
100.0
60.2%
45.6%
80.0
46.7%
84.7
80%
1,400.0
60%
107.4
52.7%
43.1%
40%
1,200.0
60.0
40.0
20.0
-
20%
55.1
5.3%
(9.9)%
(33.7)%
15.7
11.0
16.7
2013
2015
2014
25.8
2016
0%
35.8
2017
2018
ROE
2019
2020
1,166.7
1,018.7
1,000.0
763.3
800.0
515.1
600.0
400.0
-20%
200.0
-40%
0.0
0.02.5
63.9
4.5
2013
2014
191.0
11.6
2015
323.9
23.3
2016
40.9
2017
73.7
2018
114.7
129.1
2019
2020
47
3:

3: , :

. .
2013
2014
2017
2018
2019
2020
944.0
-
1,638.5
814.0
2,700.8
814.2
3,868.0
2,230.5
5,203.7
3,317.3
6,103.8
1,003.4
56,275.1
-
918.8
22,403.1
55,845.1
90,084.1
161,798.1
272,874.3
338,128.6
384,273.1
1,282.6
1,469.5
1,467.2
1,230.0
1,126.1
1,536.1
1,422.5
1,276.7
15,721
24,817
59,765
94,829
169,023
282,931
346,658
441,825
, . .
450.0
300%
400.0
350.0
384.5
338.4
300.0
250.0
16,485.0
16,597.5
16,801.4
17,071.2
17,519.1
17,318.3
17,318.3
17,540.5
(5,752.3)
(1,009.2)
3,619.0
6,246.0
26,305.7
41,630.7
63,270.3
10,845
15,792
20,690
23,765
43,624
58,949
80,811
5,781.0
8,190.5
14,044.9
29,927.7
38,054.5
36,084.5
73,224.3
72,033.3
144,770.2
94,537.2
241,283.6
46,425.7
329,912.0
31,102.1
13,971
43,973
74,139
145,258
239,307
287,709
361,014
(764.2)
15,721
-
/
2013
2014
2015
2016
2017
2018
2019
2020
8,123.7
24,490.5
41,971.6
63,434.6
100,806.9
137,153.6
153,081.3
109.9
(1,004.9)
7,118.8
(3,850.7)
20,639.8
(7,993.1)
33,978.5
(14,669.7)
48,764.8
(25,648.2)
75,158.7
(37,070.0)
100,083.6
(47,780.4)
105,301.0
(831.4)
(40.4)
85.7
653.1
2,124.8
4,812.3
8,555.0
13,701.2
18,663.0
(437.3)
(980.2)
(2,119.4)
(4,056.6)
(6,946.4)
(10,000.4)
(12,451.4)
(9,803.2)
(1,537.5)
(16,337.7)
(4,658.7)
(18,889.9)
(8,582.3)
(25,270.9)
(13,866.6)
(35,321.9)
(23,786.9)
(38,844.3)
(34,978.7)
(40,041.9)
(42,256.2)
/
(778.2)
(4,573.5)
(75.1)
(683.7)
(181.6)
6,511.6
(1,041.9)
10,383.0
(1,661.3)
17,658.5
(2,825.4)
29,961.4
(4,793.8)
29,214.4
(4,674.3)
(4,648.6)
(865.3)
5,469.8
8,721.7
14,833.1
25,167.6
24,540.1
(778.2)
50.0
-
0.9
22.7
2013
2014
56.5
90.6
150%
100%
162.178.9%
60.3%
68.5%
23.9%
2015
2016
2017

2018
2019
, %
2020
50%
13.6%
0%
ROA, . .
25.0
109.9
(16.3)
100.0
250%
200%
273.1
148.3%
200.0
150.0
2016
13,519.4
-
. .
2015
20.0
15.0
10.0
(6.8)%
(12.8)%
(5.0)
(10.0)
(15.0)
(20.0)
2013
(1.0)
2014
(58.2)%
2015
2016
(5.3)
6.6%
20.8
10%
5.5%
0%
21.9
-10%
-20%
(25.2)%
5.0
(2.1)%
2.8%
6.4
2017
(2.8)
2018
-30%
2019
2020
-40%
-50%
(11.5)
-60%
(13.5)
-70%

ROA
48
3:

3: , :
, . .

( 90% 2020 )
: 77%
: 66%
400.0
350.0
34.2
300.0
46.7
250.0
200.0
94.9
150.0
100.0
50.0
-
0.1
2013
15.2
5.8
2014
30.5
14.0
2015
329.9
241.3
72.5
144.8
39.2
73.2
38.1
2016
2017
2018

2019
2020
, .
ROE, . .
90.0
80.0
70.0
60.0
50.0
40.0
30.0
20.0
10.0
-
30.0%
39.2%
44.0%
49.1%
80.8
58.9
(9.9)%
15.7
(35.0)%
10.8
15.8
2013
2014
2015
20.7
23.8
2016
2017
43.6
(6.5)%
2018
ROE
2019
2020
60%
50%
40%
35.1%
30%
20%
10%
0%
-10%
-20%
-30%
-40%
900.0
747.2
800.0
700.0
577.4
600.0
500.0
348.9
400.0
300.0
222.7
200.0
100.0
-
825.1
- 2.0
48.6
4.5
130.8
9.3
21.3
2015
2016
2013
2014

35.1
63.2
97.6
124.5
2017
2018
2019
2020

49

100% . 3
, , .
, PtB . .
, RS . .
318.7
350%
350.0
300%
300.0
250%
250.0
200.0
200%
200.0
150.0
150%
150.0
100%
100.0
50%
50.0
0%
0.0
350.0
300.0
295%
209.6
250.0
100.0
53.1
25.6
50.0
0.0
2009
107%
52%
2010
2011
2012
257%
200.0
14.5
100.0
0.0
-17%
2009
,
Cash
2010
200%
134.0
123%
37.7
11.9
2009
150%
100%
50%
2010
2011
0%
2012

, . .
RC, . .
300.0
250%
217%
300%
299.1
256%
31.6
107%
232.1
84.0
2011

2012
300%
200%
100%
0%
-100%
1,800.0
1,600.0
1,400.0
1,200.0
1,000.0
800.0
600.0
400.0
200.0
-
140%
160%
1,674.7
105%
80%
60%
697.0
188.4
2009
2010

120%
100%
80%
339.4
140%
40%
20%
2011
2012
0%
50

.
2010-11 , 3 .
PtB, . .
350.0
300.0
250.0
200.0
150.0
100.0
50.0
0.0
RS, . .
328.4
278.7
628%
465%
49.3
6.8
2009
2010
18%
2012
2011
700%
600%
500%
400%
300%
200%
100%
0%
62%
40.0
20.0
10.0
0.0
0.3
2009

16.1
13.5
-33%
2010
80.0
60.0
481%
40.0
20.0
0.0
0.4
2.4
2009
2010
600%
23.7
291%
2011
800%
2012
37.1
19.1
-7%
7.5
2011
7.2
2012
80%
60%
40%
20%
0%
-20%
-40%
200%
0%
300%
1,500.0
267%
521.4
207%
1,000.0
400%
, . .
50.0
44.8
1000%
886%
RC, . .
30.0
92.7
100.0
250%
200%
150%
275.0
500.0
377.9
4.9
170.3
2009
2010
2011
. .
TCS Finance

113%
846.4
100%
50%
2012
0%
51
BitBank. .
10
,
.
,
Barclays Capital,
.

,
.
,
,
,
.
,
.
15-

FMCG .
Coca Cola Amatil Ukraine
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Vitmark Ukraine.
20
,
.
,
.

-
.
52
BitBank. .
-
8-
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IT-,
10.
BitBank
,
.

.

-,
CRM.
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,
, ,
,
.
.
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.
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11
CRM.
53

. . .
BitBank. .
7 , 2
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Business
Intelligence, Data Mining, CRM, Big Data DWH.

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54
BitBank. .
PreScoring +

HEAD
OFFICE
+CARDBACK

55

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2013

BitBank. Bank of Intelligent Technologies.

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