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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

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Mean
35.67

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38.73

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33.28

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5,205.00

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4,321.00

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3,721.00

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124.00

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210.00

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0.63

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100

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10

60 DPD

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2010

2011

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400.0
565.6

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93.5
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2013
2014
2015

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2020

1000
900
800
700
600
500
400
300
200
100
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2014
2015

2016
2017
2018
2019
2020
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150 . 2018

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2019

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2014

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2016

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BitBank. Bank of Intelligent Technologies.



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2013

2014

2015

2017

2018

2019

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, . .

13,055.5
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1,042.9
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2,014.6
2,160.6

23,043.3
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32,290.2

93,462.8

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345,370.3

565,606.2

673,084.5

694,305.2

1,284.6

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1,619.7

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35,289.8

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197,681.6

362,512.5

591,077.0

701,349.4

722,809.4

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16,801.4

17,071.2

17,519.1

17,318.3

17,318.3

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1,132.0

12,941.4

34,546.9

75,254.5

102,865.1

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11,089.9

17,933.4

30,012.6

52,066.0

92,572.8

120,183.4

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18,418.9

23,408.2
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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

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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

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2016

70.0

9.6%

8.5%

60.0

5.0%

3.6%

10.0
(10.0)

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47.4

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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

BitBank. Bank of Intelligent Technologies.

30%
5.4 .., ( ,
)

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BitBank. Bank of Intelligent Technologies.


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BitCreditOverseasLtd.

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SWOT



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BitBank. Bank of Intelligent Technologies.

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,
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You as a recipient of this presentation are expected to keep its contents strictly
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orour industry's actual results, levels of activity, performance or achievements
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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
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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

BitBank. Bank of Intelligent Technologies.

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
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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

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129,965

246,419

352,044

498,726

580,661

16,597.5
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10,992.0

16,801.4
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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
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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

BitBank. Bank of Intelligent Technologies.

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

BitBank. Bank of Intelligent Technologies.

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

BitBank. Bank of Intelligent Technologies.

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

BitBank. Bank of Intelligent Technologies.


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

BitBank. Bank of Intelligent Technologies.


.
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
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,
.



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.
52

BitBank. .

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8-
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.

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53


. . .

BitBank. .

7 , 2
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9
, .
Business
Intelligence, Data Mining, CRM, Big Data DWH.


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Big Data,
.

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Siebel CRM .
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.

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54

BitBank. .

PreScoring +

HEAD
OFFICE

+CARDBACK


55