Cooperation Strategy

CONSUMER FINANCE …strategic partner searching

Кiev 2010

Overview

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EXPERTFINANCE LLC specializes in creating, launching and managing financial companies. We implement projects through active participation as managers or shareholders, therefore WE TAKE THE RESPONSIBILITY FOR THE RESULTS.

Our team has big experience in launching successful projects. We manage big databases (EC 3 500 000 customers). We create efficient marketing and financial strategies (2006, 2007 – “Choice of the year BRAND” nominations). Our team knows how to manage projects.

We run projects in 2 ways: - start-up, -  actual projects modernization.

The areas of our specialization are: Consumer finance, Leasing, Factoring, Financial Brokerage,

Sphere of activity

Ret

ail B

anki

ng

Con

sum

er F

inan

ce

Fina

ncia

l Com

pany

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Retail bank

SPV Consumer

Finance

Leasing Factoring

Debt collection

Distribution of financial products

We are proffesionals in building financial structures around bank mainstream business like : CONSUMER CREDIT, LEASING, RETAIL BANKING, DEBT COLLECTION.

Projects

PRO

JEC

TS

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Bankier CPG

(consumer finance, regional leader POLAND, 1997-1999)

Bankier PPF

(leasing, debt collection POLAND 1997-1999)

Bautin Sp. z o.o.

(Real estate investments, POLAND, 2001-)

ТМ Eurocredit

(consumer credit, market leader , 3,5 mln clients Ukraine, 2003-2008)

ТМ Eurofinance

(leasing, 2nd place in Ukraine, 2005-2008)

«Dogmat insurance» CC

(Insurance, market leader Ukraine, 2005-2008)

IRB

(Retail Bank, Belarus 2006-2008)

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Our advantages

Our

AD

VAN

TAG

ES

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•  We have successfull projects PROFESSIONAL TEAM

•  We participate in projects as managers or shareholders

RESPONSIBILITY FOR RESULTS

•  We have necessary knowledge and success projects FINANCIAL KNOW HOW

•  We know how to build architecture of IT IT SOLUTION

•  We know how to build scoring models SCORING MODEL

What we offer

Wha

t we

OFF

ER

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COMPANY FUNDAMENTALS Consumer Finance

National wide Market Leader

a big database

clients

cover all

segments

quick market

penetration

efficient financial

marketing

CRM

efficient business

model

Strategic partner

Wha

t are

we

look

ing

for?

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A strategic partner for us is a Bank (or financial institution), which foresees in its strategy a development of Consumer Finance and which has necessary pre-conditions for implementation of this strategy.

Strategic partner

CONSUMER CREDIT MODEL

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MANAGMENT SYSTEM

DISTRIBUTION

CREDIT RISK - PROCESS

SEGMENT

MONITORING, DEBT

COLLECTION

DECISION FACTORS

PRODUCTS

IT SYSTEMS

Key factors

• MA

NA

GM

ENT

SYS

TEM

9

TRANSACTION

PRODUCT

SALES

MARKETING

Clearing and Settlement

Payments

Funding Credit

Acquisition and Offering

Distribution and Partnerships

Marketing process

Branding of a Product

Risk Management: Management of Credit Portfolio and Credit Risk

Identification of the resources allocated to the consumer credit process

Calculation of costs and revenues for each process step

Evaluation of cost efficiency against value added on each process step

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Call Center

Agents

Internet

Franchising

Kiosk

Telephone

Branch

POS

Key factors

• DIS

TRIB

UTI

ON

10

Efficient distribution channels based on simple sales model, convenient IT solutions

Multi-channel

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• PR

OD

UC

TS

11

Consumer Lending

Cash loans

Unsecured personal loans

Secured personal loans

Installment

Installment

Merchants

Auto Financing

Used cars

New cars

Cards

Credit cards

Cobrand credits card

Other cards

Revolving

POS   BRANCH   AGENT   CALL  CENTRE   KIOSK   INTERNET  

Consumer  lending   √   √   √   √  Installment   √   √  Auto  Financing   √   √  Card   √   √   √   √   √  Repayment  of  loan   √  

Key factors

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Key factors

• Mon

itorin

g, D

ebt C

olle

ctio

n

Delay time

Reserving

Loan charge-off

Start

Loan repayment, conversion

Call, Letter

Preparation for trial

Visiting client

Stan

dard

sit

uati

on

SMS

0 70 180 360

Legal trial

- 3 Days 30

Executor

Sale of the loan

3 years

Legal action

1 2 3 4 5 6 7

Process stages

Actions are taken since the 7th day of overdue by all overdue loans

As for the borrowers having not paid of their debt, the debt is collected through direct contact at the place of residence or work

The last stage of debt collection is collection via legal proceedings

SOFT COLLECTION НARD COLLECTION LEGAL COLLECTION

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Thank you!

CONTACT INFORMATION 04073, 5 Sklyarenka street, office A 405

Phone/fax: +38 044 467 64 29 +38 044 531 42 67

е-mail: head-office@expert-finance.eu

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