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EASY ASSET MANAGEMENT JSC

Easy Credit is the premier non-bank financial institution in Bulgaria, providing responsible and transparent short-term loans for over 14 years through door-to-door services. With a strong focus on customer care and social engagement, Easy Credit is a trusted brand with a loyal customer base.

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EASY ASSET MANAGEMENT JSC

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  1. EASY ASSET MANAGEMENT JSC www.easycredit.bg

  2. Overview Mission • The most dynamically developing non-bank financial institution in Bulgaria, with more than 14 years of experience, fully-owned by Bulgarian entrepreneurs; • Specialized in providing short-term loans since 2005; • Over 4000 credit consultants who care for our clients in more than 181 offices in Bulgaria; • 130 000+ loyal customers; • 90% of the population recognizes the brand Easy Credit; • 64% of our clients would recommend Easy Credit. • To provide responsible and transparent, fast and affordable credits directly to our clients' homes. Vision • To be a market leader in all the countries that we operate in. Values • Morality & Ethics • Responsibility • Loyalty • Transparency • Social Engagement www.easycredit.bg

  3. Business Model Partnerships • HCC (Home Collected Credits) model, where disbursement, contract signing and scoring take place at the client’s home; • Responsible Lending; • Weekly, bi-weekly and monthly repayments ensuring customer comfort & predictability of repayment; • Partnering with the Bulgarian Postal services (BG Post) to provide access to financial facilities in more than 2100 post offices in Bulgaria. www.easycredit.bg

  4. Customer Profile Products Our typical customer is an un(der)banked individual looking to acquire & maintain a normal standard of living. Female Male 49.2% 50.8% • Single/Unmarried; • Low income individuals; • Average age of 44 years; • Completed secondary education; • €314 Average loan size. • *1 BGN = 0.51 EUR www.easycredit.bg

  5. Yearly Sales Statistics 250000 • 130 000+ • loyal customers • €38m • Gross Portfolio 200000 150000 • €51m • Revenue for 2018 • 2.1m+ • total loans granted 100000 • €314 • Average loan size 50000 0 2018 2012 2013 2014 2015 2016 2017 Реалнипродажби www.easycredit.bg

  6. Financial Services from door-to-door www.easycredit.bg

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