bitbank presentation

BitBank. Bank of Intelligent Technologies.

1. 3

2. 4

2.1. 5

2.2. 6

2.3. PFM 7

2.4. 8

3. 9

3.1. 10

3.2. 11

3.3. 12

3.4. PFM 13

4. 14

4.1. 15

4.2. 16

4.3. 17

5. 18

5.1. 19

5.2. BitBank 21

5.3. 22

5.4. 24

5.5. 25

5.6. 26

5.7. 27

6. 28

6.1. 29

6.2. 30

6.3. 31

6.4. 32

6.5. - 33

6.6. IT 2014 34

6.7. 35

7. 36

7.1. 37

7.2. 38

7.3. 39

7.4. 40

7.5. 41

7.6. 42

7.7. SWOT 43

8. Disclaimer 44

9. 45

9.1. 2: 46

9.2. 3: 48

9.3. 50

9.4. 51

9.5. 52

9.6. 55


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Range Mean Range Mean Range Mean Range Mean (22;65) 35.67 (21;67) 38.73 (19;62) 33.28 (20;67) 36.89

(2000;6000) 5,205.00 (1000;6000) 4,321.00 (1000;6000) 3,721.00 (1000;4000) 3,200.00

(0; 2.84) 0.73 (0; 2.06) 0.78 (0;1.68) 0.97 (1.65; 4.33) 2.38

(28; 412) 183.00 (29; 288) 124.00 (15;328) 210.00 (15; 106) 91.00

(28; 122) 63.00 (10; 211) 127.00 (10; 328) 212.00 (84; 354) 278.00

(0;1) 0.82 (0;1) 0.48 (0;1) 0.21 (0;1) 0.06

(PTP) (0;1) 0.63 (0;1) 0.22 (0;1) 0.09 (0;1) 0.02

(0.34;1) 0.72 (0.01; 0.42) 0.17 (0; 0.27) 0.07 (0; 0.09) 0.01

Loyal clientGroup 1

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In-house Collection4 -120 DPD

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Start

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60 D

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10 30 40 50 60 70

48 7815 45

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120+ DPDIN-HOUSE COLLECTION 4 120 DPD


27

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2014 2015 2016

2011 2012 2013

BitBank

10

1 2 3 4 5

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20

30

40

50

60

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80

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100%

49 536 188 $ 5

3 390 625 $ 2

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1 703 812 $

12 339 000 $

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37


3.0 78.3248.3

443.9

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1,258.9

1,550.7 1,583.7217%

79%

74% 63%

23%2% 0%

50%

100%

150%

200%

250%

0.0200.0400.0600.0800.0

1,000.01,200.01,400.01,600.01,800.0

2013 2014 2015 2016 2017 2018 2019 2020

, .

:

75%

61%54% 57% 54%

50% 49%

516.6 585.7663.5 759.3

813.6 856.7 875.6

0%

10%

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30%

40%

50%

60%

70%

80%

0100200300400500600700800900

1000

2013 2014 2015 2016 2017 2018 2019 2020

, .

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1.4 32.3 93.5 168.1

345.4

565.6 673.1 694.3

0.0

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200.0300.0

400.0

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600.0700.0

800.0

2013 2014 2015 2016 2017 2018 2019 2020

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38


, 2016 100 .

150 . 2018

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2014 100 .

- 5.8 23.4 47.6

85.4 168.9 217.2 219.9

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100.0

250.0 250.0 250.0

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25.1

125.5

80.0 114.4 119.8

-

100.0

200.0

300.0

400.0

500.0

600.0

700.0

2013 2014 2015 2016 2017 2018 2019 2020

, . .

:

10.83 45.9

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99.8

51.9 83.5 88.0

7.6

12.0

20.1

25.2

27.7

30.5 31.1

0

20

40

60

80

100

120

140

2013 2014 2015 2016 2017 2018 2019 2020

, . .

- BitBank :

- 5.8 23.4

47.6

85.4

168.9

217.2 219.9 304.9%

103.2%79.6%

97.7%

28.6%1.3%0.0%

50.0%

100.0%

150.0%

200.0%

250.0%

300.0%

350.0%

-

50.0

100.0

150.0

200.0

250.0

2013 2014 2015 2016 2017 2018 2019 2020

, . .

:


39


. . 2013 2014 2015 2016 2017 2018 2019 2020

13,055.5 1,042.9 2,014.6 23,043.3 5,703.7 8,131.1 9,453.3 9,747.2 - 466.3 2,160.6 5,000.0 9,569.9 14,782.4 16,530.6 16,889.9 1,376.3 32,290.2 93,462.8 168,125.1 345,370.3 565,606.2 673,084.5 694,305.2 1,284.6 1,490.4 1,619.7 1,513.2 1,868.7 2,557.3 2,281.0 1,867.1 15,716.4 35,289.8 99,257.7 197,681.6 362,512.5 591,077.0 701,349.4 722,809.4

16,485.0 16,597.5 16,801.4 17,071.2 17,519.1 17,318.3 17,318.3 17,540.5 (768.6) (5,507.6) 1,132.0 12,941.4 34,546.9 75,254.5 102,865.1 116,265.1 15,716.4 11,089.9 17,933.4 30,012.6 52,066.0 92,572.8 120,183.4 133,805.6

- 5,781.0 23,408.2 47,568.1 85,428.4 168,898.5 217,155.3 219,941.3 - - - 100,000.0 100,000.0 250,000.0 250,000.0 250,000.0 - 18,418.9 57,916.0 20,100.9 125,018.2 79,605.6 114,010.8 119,062.4 - 24,199.9 81,324.2 167,669.0 310,446.6 498,504.1 581,166.0 589,003.8

- - - - - - -

/. . 2013 2014 2015 2016 2017 2018 2019 2020

115.0 11,072.3 38,484.1 75,558.5 128,397.8 212,370.3 278,509.8 290,100.3 - (1,303.8) (6,720.7) (17,707.2) (28,421.3) (49,772.4) (67,742.8) (76,156.6) 115.0 9,768.6 31,763.4 57,851.3 99,976.5 162,597.9 210,767.0 213,943.7 - 140.9 1,153.0 3,736.8 8,914.2 16,518.1 25,823.9 32,923.2 (17.7) (641.7) (1,677.5) (4,796.2) (7,883.6) (15,128.5) (18,857.1) (21,498.8) (839.7) (11,552.2) (21,187.8) (26,398.2) (40,587.1) (56,722.5) (58,063.4) (53,670.9) (40.3) (2,039.9) (7,133.4) (15,294.7) (28,250.7) (50,782.3) (72,092.6) (81,684.9)

/ (782.6) (4,324.3) 2,917.6 15,099.0 32,169.3 56,482.7 87,577.7 90,012.4 - (75.1) (466.8) (2,415.8) (5,147.1) (9,037.2) (14,012.4) (14,402.0) / (782.6) (4,399.4) 2,450.8 12,683.2 27,022.2 47,445.4 73,565.3 75,610.4

(0.8) (4.4)

2.5 12.7

27.0

47.4

73.6 75.6

(10.0)%

(17.3)%

3.6%

8.5% 9.6% 10.0%

11.4% 10.6%

(20.0)%

(15.0)%

(10.0)%

(5.0)%

0.0%

5.0%

10.0%

15.0%

(10.0)-

10.0 20.0 30.0 40.0 50.0 60.0 70.0 80.0

2013 2014 2015 2016 2017 2018 2019 2020

ROA, . .

ROA:

1.4 32.3 93.5

168.1

345.4

565.6

673.1 694.3

188.3%

79.2% 105.0%

63.7%

19.0% 3.2% 0%

50%

100%

150%

200%

250%

300%

-

100.0

200.0

300.0

400.0

500.0

600.0

700.0

800.0

2013 2014 2015 2016 2017 2018 2019 2020

, . .

, %:


30% 5.4 .., ( , )

120 . . 20%

,


30% BitCreditOverseasLtd.

: : : , : 42

BitcreditOverseasLtd. 2012 .Bit credit Overseas 100% , 2013 .BitBank .

Bit CreditOverseas Ltd.

100% 100%

30%30%


Bit redit Overseas 100% , 1,5 . .

100% BitBank

15 . . (120 . )


SWOT

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(Oracle, SAS, HP)

-

( ) PFM , ,

,

,

44

Disclaimer


This presentation is presented by Bit Credit Overseas Ltd (the Company),

andtheinformation and opinions contained herein are, unless otherwise stated,

solely those of the Company and have been compiled or arrived at from sources

believed to be reliable. This document should not be used in substitution for the

exercise of independent judgment.

The Company and its affiliates disclaim all warranties regarding this presentation

and shall not bre resposible or liable for any damages due to statements, errors

oromissions in this presentation.

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,

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.

The distribution of this presentation may be restricted by the law in certain

jurisdictions. Persons into whose possession this presentation gets should

beinformed about it and observe any such restrictions. Any failure to comply with

this restrictions could result in a violation of the law in such jurisdiction.

The Information may contain forward-looking statements. Forward-looking

statements are generally identifiable by the use of the words may, will,

should, plan, expect, anticipate, estimate, believe, intend, project, goal

ortarget or the negative of these words or other variations on these words

orcomparable terminology. Forward-looking statements involve a number

ofknown and unknown risks, uncertainties and other factors that could cause our

orour industry's actual results, levels of activity, performance or achievements

tobe materially different from any future results, levels of activity, performance

orachievements expressed or implied by such forward-looking statements.

TheCompany does not undertake publicly to update or revise anyforward-

looking statement that may be made herein, whether as a result of new

information, future events or otherwise.

46

2:


2: , 100 . . 2017

1.1 27.1 73.1 124.0

230.7

339.7

474.5 522.4

169.3%

69.7% 86.1%

47.2% 39.7% 10.1% 0%

50%

100%

150%

200%

250%

300%

-

100.0

200.0

300.0

400.0

500.0

600.0

2013 2014 2015 2016 2017 2018 2019 2020

, . .

, %:

(1.0) (5.8)

(3.1)5.8 11.0

27.1

42.0 49.3

(12.8)%

(24.8)%

(5.8)%

5.6% 5.8% 9.0% 9.8% 9.1%

-30%-25%-20%-15%-10%-5%0%5%10%15%

(10.0)

-

10.0

20.0

30.0

40.0

50.0

60.0

2013 2014 2015 2016 2017 2018 2019 2020

ROA, . .

ROA:

. . 2013 2014 2015 2016 2017 2018 2019 2020

13,288.9 988.0 1,804.4 3,035.1 9,561.5 5,869.6 17,724.1 51,932.3 - 198.7 1,442.4 2,089.4 5,000.0 5,060.0 5,000.0 5,000.0 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 77,232 129,965 246,419 352,044 498,726 580,661

16,485.0 16,597.5 16,801.4 17,071.2 17,519.1 17,318.3 17,318.3 17,540.5 (765.9) (5,605.5) (146.0) 8,712.3 18,238.9 37,804.1 67,422.0 89,887.9 15,719.1 10,992.0 16,655.5 25,783.5 35,758.0 55,122.4 84,740.3 107,428.4

- 5,781.0 17,556.2 41,622.1 85,428.4 168,898.5 283,508.3 342,131.0 - - - - 100,000.0 100,000.0 100,000.0 100,000.0 - 12,689.4 43,020.1 62,559.7 25,232.7 28,023.6 30,477.8 31,102.1 - 18,470.4 60,576.2 104,181.8 210,661.0 296,922.1 413,986.0 473,233.1

/. . 2013 2014 2015 2016 2017 2018 2019 2020

112.5 9,421.6 30,671.8 55,824.7 90,421.4 133,893.3 180,761.5 211,201.8 - (1,088.1) (5,108.0) (10,821.1) (22,553.1) (32,290.5) (47,560.8) (62,928.5) 112.5 8,333.5 25,563.8 45,003.6 67,868.3 101,602.8 133,200.7 148,273.4 - 110.3 873.0 2,823.9 6,491.0 11,194.6 17,502.3 24,314.9 (17.0) (528.6) (1,285.9) (2,839.9) (6,576.3) (8,924.4) (13,182.2) (16,232.7) (835.1) (10,581.5) (18,478.6) (22,095.4) (30,871.5) (39,437.4) (47,458.4) (48,176.4) (40.4) (1,758.7) (5,752.0) (11,361.2) (19,812.7) (31,878.0) (46,196.1) (58,855.1)

/ (780.0) (4,425.0) 920.3 11,531.0 17,098.8 32,557.6 43,866.3 49,324.0 - (75.1) (181.6) (1,845.0) (2,735.8) (5,209.2) (7,018.6) (7,891.8) / (780.0) (4,500.1) 738.7 9,686.0 14,363.0 27,348.4 36,847.7 41,432.2


0.0 4.5 11.6 23.3 40.973.7 114.7 129.1

2.5 63.9191.0

323.9

515.1

763.3

1,018.71,166.7

0.0

200.0

400.0

600.0

800.0

1,000.0

1,200.0

1,400.0

2013 2014 2015 2016 2017 2018 2019 2020

, .

:

- 5.8 17.6 41.6 85.4

168.9 283.5

342.1

- --

100.0

100.0

100.0 100.0

-12.7 43.0

62.6

25.2

28.0

30.5 31.1

-50.0

100.0 150.0 200.0 250.0 300.0 350.0 400.0 450.0 500.0

2013 2014 2015 2016 2017 2018 2019 2020

, . .

:

15.7 11.0 16.7 25.8

35.8

55.1

84.7

107.4

(9.9)%(33.7)%

5.3%

45.6% 46.7% 60.2%

52.7% 43.1%

-40%

-20%

0%

20%

40%

60%

80%

-

20.0

40.0

60.0

80.0

100.0

120.0

2013 2014 2015 2016 2017 2018 2019 2020

ROE, . .

ROE:

47

2:


2: , 100 . . 2017

( 72% 2020 )

: 80% : 71%


48


3:

3: , :

(1.0)

(13.5)

(11.5)

(5.3) (2.8)

6.4

20.8 21.9

(12.8)%

(58.2)%

(25.2)%

(6.8)%(2.1)%

2.8% 6.6% 5.5%

-70%

-60%

-50%

-40%

-30%

-20%

-10%

0%

10%

(20.0)(15.0)(10.0)(5.0)

-5.0

10.0 15.0 20.0 25.0

2013 2014 2015 2016 2017 2018 2019 2020

ROA, . .

ROA:

0.9 22.7 56.5 90.6

162.1

273.1

338.4 384.5

148.3%

60.3% 78.9% 68.5%

23.9% 13.6% 0%

50%

100%

150%

200%

250%

300%

-50.0

100.0 150.0 200.0 250.0 300.0 350.0 400.0 450.0

2013 2014 2015 2016 2017 2018 2019 2020

, . .

, %:

. . 2013 2014 2015 2016 2017 2018 2019 2020

13,519.4 944.0 1,638.5 2,700.8 3,868.0 5,203.7 6,103.8 56,275.1 - - 814.0 814.2 2,230.5 3,317.3 1,003.4 - 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

16,485.0 16,597.5 16,801.4 17,071.2 17,519.1 17,318.3 17,318.3 17,540.5 (764.2) (5,752.3) (1,009.2) 3,619.0 6,246.0 26,305.7 41,630.7 63,270.3 15,721 10,845 15,792 20,690 23,765 43,624 58,949 80,811

- - 5,781.0 14,044.9 38,054.5 73,224.3 144,770.2 241,283.6 329,912.0 - - - - - - - - - 8,190.5 29,927.7 36,084.5 72,033.3 94,537.2 46,425.7 31,102.1 - 13,971 43,973 74,139 145,258 239,307 287,709 361,014

/. . 2013 2014 2015 2016 2017 2018 2019 2020

109.9 8,123.7 24,490.5 41,971.6 63,434.6 100,806.9 137,153.6 153,081.3 - (1,004.9) (3,850.7) (7,993.1) (14,669.7) (25,648.2) (37,070.0) (47,780.4) 109.9 7,118.8 20,639.8 33,978.5 48,764.8 75,158.7 100,083.6 105,301.0 - 85.7 653.1 2,124.8 4,812.3 8,555.0 13,701.2 18,663.0 (16.3) (437.3) (980.2) (2,119.4) (4,056.6) (6,946.4) (10,000.4) (12,451.4) (831.4) (9,803.2) (16,337.7) (18,889.9) (25,270.9) (35,321.9) (38,844.3) (40,041.9) (40.4) (1,537.5) (4,658.7) (8,582.3) (13,866.6) (23,786.9) (34,978.7) (42,256.2)

/ (778.2) (4,573.5) (683.7) 6,511.6 10,383.0 17,658.5 29,961.4 29,214.4 - (75.1) (181.6) (1,041.9) (1,661.3) (2,825.4) (4,793.8) (4,674.3) / (778.2) (4,648.6) (865.3) 5,469.8 8,721.7 14,833.1 25,167.6 24,540.1


- 5.8 14.0 38.1 73.2

144.8 241.3

329.9

0.1 15.2 30.5

39.2

72.5

94.9

46.7

34.2

-

50.0

100.0

150.0

200.0

250.0

300.0

350.0

400.0

2013 2014 2015 2016 2017 2018 2019 2020

, . .

:

- 4.5 9.3 21.3 35.1 63.2 97.6

124.5

2.0 48.6

130.8 222.7

348.9

577.4

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-100.0 200.0 300.0 400.0 500.0 600.0 700.0 800.0 900.0

2013 2014 2015 2016 2017 2018 2019 2020

, .

:

15.7 10.8 15.8 20.7 23.8

43.6

58.9

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(9.9)%

(35.0)%

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30.0% 39.2% 44.0%

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-10.0 20.0 30.0 40.0 50.0 60.0 70.0 80.0 90.0

2013 2014 2015 2016 2017 2018 2019 2020

ROE, . .

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3:

3: , :

( 90% 2020 )

: 77% : 66%

50


100% . 3 , , .

25.653.1

209.6

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107%

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52%0%50%100%150%200%250%300%350%

0.050.0

100.0150.0200.0250.0300.0350.0

2009 2010 2011 2012

, PtB . .

84.0

232.114.5

31.6

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257%

107%

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0%

100%

200%

300%

0.0

100.0

200.0

300.0

2009 2010 2011 2012

RC, . .

, Cash

:

11.937.7

134.0

299.1

217%256%

123%

0%

50%

100%

150%

200%

250%

300%

0.050.0

100.0150.0200.0250.0300.0350.0

2009 2010 2011 2012

, RS . .

:

188.4 339.4

697.0

1,674.7

80%

105%

140%

0%

20%

40%

60%

80%

100%

120%

140%

160%

-200.0 400.0 600.0 800.0

1,000.0 1,200.0 1,400.0 1,600.0 1,800.0

2009 2010 2011 2012

, . .

:

51


. 2010-11 , 3 .

170.3 377.9

846.4

4.9

275.0

521.4 207%

267%

113%

0%

50%

100%

150%

200%

250%

300%

-

500.0

1,000.0

1,500.0

2009 2010 2011 2012

, . .

. . TCS Finance

:

0.313.5 7.5 7.2

44.8 16.1 19.137.1

-33%

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62%

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0.0

10.0

20.0

30.0

40.0

50.0

2009 2010 2011 2012

RC, . .

:

0.4 2.4

23.7

92.7

481%

886%

291%

0%

200%

400%

600%

800%

1000%

0.0

20.0

40.0

60.0

80.0

100.0

2009 2010 2011 2012

RS, . .

:

6.849.3

278.7328.4

628%

465%

18% 0%100%200%300%400%500%600%700%

0.050.0

100.0150.0200.0250.0300.0350.0

2009 2010 2011 2012

PtB, . .

52

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