Investor highlights

1

Russian microfinance market is growing at 25% YoY and it is forecasted to grow further despite temporary decline due to Covid-19.

2

Competitive scenario is offering a good opportunity for Zaim to grow and increase profitability.

3

Zaim has 9 years experience and developed the in-house IT platform.

4

Covid-19 restrictions accelerated the transition to online-focused business model.

5

Significant fixed costs reduction due to stores optimization (from 92 to 32 outlets).

6

Demand recovery to the pre-pandemics levels with a much lower cost base and a higher scalability of online model.

7

Our business model and platform allows providing additional services within the Russian market or in any other country in the world.