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2017
2018
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2014
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2020
2013
2014
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100%
63.7%
50%
19.0%
2015
2016
2017
2018
2019
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2020
3.2%0%
ROA, . .
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115.0
11,072.3
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75,558.5
128,397.8
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31,763.4
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57,851.3
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210,767.0
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(21,498.8)
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(40.3)
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(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)
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(782.6)
(4,324.3)
(75.1)
2,917.6
(466.8)
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32,169.3
(5,147.1)
56,482.7
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(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
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2016
70.0
9.6%
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60.0
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3.6%
10.0
(10.0)
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11.4%
10.6%
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10.0%
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(5.0)%
27.0
(10.0)%
2013
(0.8)
(17.3)% 2.5
2014
2015
(4.4)
(10.0)%
12.7
2016
2017
2018
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30%
5.4 .., ( ,
)
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BitCreditOverseasLtd.
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Bit Credit
Overseas Ltd.
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,
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(Oracle, SAS, HP)
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PFM , ,
Disclaimer
This presentation is presented by Bit Credit Overseas Ltd (the Company),
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
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
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
orany other person, in whole or in part. You may not copy, reproduce, reuse,
44
2:
2: , 100 . . 2017
. .
2013
2014
2017
2018
2019
2020
988.0
198.7
1,804.4
1,442.4
3,035.1
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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
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28,023.6
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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)
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(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
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2013
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150%
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873.0
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124.0
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339.7
30,671.8
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474.5
400.0
112.5
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200.0
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13,288.9
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49.3
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42.0
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40.0
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27.1
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2013
(1.0)
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2014
2015
(5.8)
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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
-
Vitmark Ukraine.
20
,
.
,
.
-
.
52
BitBank. .
-
8-
-
IT-,
10.
BitBank
,
.
.
-,
CRM.
-
,
, ,
,
.
.
,
.
,
,
.
.
11
CRM.
53
. . .
BitBank. .
7 , 2
5
- .
9
, .
Business
Intelligence, Data Mining, CRM, Big Data DWH.
-,
,
,
,
-.
Big Data,
.
, 15
. 6
Siebel CRM .
- -
, -,
-.
. 10
. .
.
.
. .
54
BitBank. .
PreScoring +
HEAD
OFFICE
+CARDBACK
55