Multitude Ag · XETR:MULT

Multitude — Eigenkapitalforum 2022

23 slides from Multitude's conference presentation, November 2022

  1. Slide 1: Creating Success Stories in FinTech

    Creating Success Stories in FinTech Investor Presentation 2021 © MULTITUDE. ALL RIGHTS RESERVED. November 2022 FE-Classification: General\Anyone

  2. Slide 2: Table of Contents

    Table of Contents 1. Multitude in Brief 2. Multitude Growth Platform 3. Multitude’s Business Units 1. SweepBank 2. Ferratum 3. CapitalBox 2021 © MULTITUDE. ALL RIGHTS RESERVED. 4. Latest Results FE-Classification: General\Anyone

  3. Slide 3: Multitude in Brief

    Multitude in Brief 2021 © MULTITUDE. ALL RIGHTS RESERVED. FE-Classification: General\Anyone

  4. Slide 4: We have been creating success stories in FinTech for the last two decades

    We have been creating success stories in FinTech for the last two decades Founded in Finland in 2005, HQ in Our Current Business Units Helsinki EU wide banking license Group Turnover 2021 © MULTITUDE. ALL RIGHTS RESERVED. 2021 Employees Countries Customers Listed in the €214m 700 19 400,000 Frankfur

  5. Slide 5: We are building the most valued financial ecosystem and serving the underserved segment

    We are building the most valued financial ecosystem and we are serving the underserved segment VISION Create the most valued financial ecosystem MISSION Democratise financial services through digitalisation, making them fast, easy & green OUR VALUES - Customer centricity – Entrepreneurial spirit – C

  6. Slide 6: We have been building our Growth Platform for almost two decades

    We have been building our Growth Platform for almost two decades Commentary History line • Multitude was founded in 2005 with an initial focus on Finland, Sweden and the Baltics, but has since then expanded into new markets and now operates in 19 countries • With a European banking license in place

  7. Slide 7: We operate through our Growth Platform and our three independent business units

    We operate through our Growth Platform and our three independent business units Shopping and financing app Consumer lending SME lending (Digital banking platform) 85% of sales 9% of sales 6% of sales 15 countries 5 countries 5 countries 2021 © MULTITUDE. ALL RIGHTS RESERVED. Growth platform Centrali

  8. Slide 8: Multitude share price has underperformed, however the analyst community is positive

    Multitude share price has underperformed during the recent economical downturn, however the analyst community is positive Details of the share Current Analyst views of the share Company: Multitude SE ISIN: FI4000106299 WKN: A1W9NS Ticker: FRU Share price performance (12 M) Multitude SE 5.00 4.50 4.0

  9. Slide 9: Multitude Growth Platform

    Multitude Growth Platform 2021 © MULTITUDE. ALL RIGHTS RESERVED. FE-Classification: General\Anyone

  10. Slide 10: Our vision is to create the most valued financial ecosystem

    Our vision is to create the most valued financial ecosystem • We create and develop our ecosystem by fully functional Growth Platform, which offers tried and tested benefits to our own businesses as well as to a wider pool of FinTech operators OTHER EXTERNAL CUSTOMERS • This growth platform enables

  11. Slide 11: How does Multitude Growth Platform look like?

    How does Multitude Growth Platform look like? Company e Company d CUSTOMERS WHO BENEFIT Company c OTHER Company b FROM GROWTH EXTERNAL Company a CUSTOMERS PLATFORM RESOURCES BENEFITS, WHAT WE PRODUCE REGULATORY CROSS-RESOURCING AND TECH ATTRACTIVE KNOW-HOW AND SELLING KNOW-HOW FUNDING BANKING LICENS

  12. Slide 12: Quotes from the customers of the Multitude Growth Platform

    Quotes from the customers of the Multitude Growth Platform Being on the Multitude platform has allowed us to build SweepBank on a solid, unified tech stack and tap into the regulatory assets of Multitude, such as the banking license and the Mastercard membership. These all together have enabled us t

  13. Slide 13: Multitude's Business Unit

    Multitude’s Business Unit 2021 © MULTITUDE. ALL RIGHTS RESERVED. FE-Classification: General\Anyone

  14. Slide 14: SweepBank – Fast growing shopping and financing app

    SweepBank – Fast growing shopping and financing app Commentary Revenue development1 Total number of customers • SweepBank was introduced in Q2 2021 and is the digital banking platform Quarterly, EURm Thousands 63 within Multitude, offering prime loan financing, a mobile wallet solution and a 0.7 58

  15. Slide 15: Ferratum – Consumer loans with increased focus on longer term loans

    Ferratum – Consumer loans with increased focus on longer term loans Commentary Development of quarterly key financials (EURm)1 • The Ferratum business unit represents majority of the Group’s sales and it Revenue EBIT provides Near Prime consumer loans of up to 5,000 euros with maturity periods 65.9

  16. Slide 16: CapitalBox – Digital SME Lending

    CAPITALBOX – DIGITAL SME LENDING Commentary Development of key financials (EURm) • CapitalBox was established in 2015 and it is a FinTech player providing SMEs Revenue EBIT rapid and easy working capital loans in amounts up to EUR 350,000 with 7.7 8.0 payback periods up to 50 months 6.9 7.2 7.0 6.1

  17. Slide 17: Multitude 9M 2022 results

    Multitude 9M 2022 results 2021 © MULTITUDE. ALL RIGHTS RESERVED. FE-Classification: General\Anyone

  18. Slide 18: Multitude Group Highlights 9M 2022

    MULTITUDE GROUP HIGHLIGHTS 9M 2022 – STABLE GROWTH CONTINUES WITH UPWARD TREND IN EBIT HIGHLIGHTS 9M 2022 LOOKING AHEAD EBIT in EURm* • Stable revenue growth +2.3% y-o-y • We confirm our EBIT guidance of EUR 30m 10 • Lending portfolio growth improving over several for 2022, subject to assumption tha

  19. Slide 19: SweepBank Highlights 9M 2022

    SWEEPBANK HIGHLIGHTS 9M 2022 – GROWTH CONTINUES WITH SHIFT TOWARDS SHORT TERM PROFITABILITY HIGHLIGHTS 9M 2022 TARGETS 2023-2024 EBIT in EURm • Strong revenue growth (+67.2% y-o-y) Our target for 2023 is to achieve around -10 EURm Q2 2021 Q3 2021 Q4 2021 Q1 2022 Q2 2022 Q3 2022 0 • Solid lending por

  20. Slide 20: Ferratum Highlights 9M 2022

    FERRATUM HIGHLIGHTS 9M 2022 – SOLID PERFORMANCE CONTINUES HIGHLIGHTS 9M 2022 TARGETS 2023-2024 EBIT in EURm** • Stable revenue and EBIT development continues Our target for 2023 and 2024 is to achieve 5% higher 20 18 • Portfolio quality remains robust EBIT than the previous year 16 14 15.1 • Impleme

  21. Slide 21: CapitalBox Highlights 9M 2022

    CAPITALBOX HIGHLIGHTS 9M 2022 – TURNAROUND BACK TO GROWTH AND PROFIT IN PROGRESS HIGHLIGHTS 9M 2022 TARGETS 2023-2024 EBIT in EURm • Revenue and EBIT below our expectations Our target for 2023 is to achieve 5 EURm EBIT driven by internal performance during H1 2022 and in 2024 to achieve 10 EURm EBIT

  22. Slide 22: Building a Sustainable Growth Platform – Progress Towards ESG Goals

    BUILDING A SUSTAINABLE GROWTH PLATFORM – PROGRESS TOWARDS ESG GOALS 2025 GOALS 2025 TARGETS PROGRESS E Understand and reduce the Group environmental footprint Set and meet emissions targets for 2025 Scope 2 and Scope 3 emissions baseline data under review and Carbon emissions reduction plan incorpor

  23. Slide 23: Thank You

    THANK YOU [email protected] MULTITUDE SE RATAMESTARINKATU 11 A 00520 HELSINKI FINLAND 2021 © MULTITUTE. ALL RIGHTS RESERVED. 23 FE-Classification: General\Anyone

Multitude — Eigenkapitalforum 2022 on 6ix