COMPANY PRESENTATION

Transcription

COMPANY PRESENTATION
COMPANY PRESENTATION
Strong management team and board
Management team
Board of Directors
Stefan Alexandersson
CEO
Pia-Lena Olofsson
CFO
Mikael Anstrin
Head of Retail
Alexander Todoric
Chief Credit Officer
Camilla Dorvall
CIO
Åsa Hillsten Eklund CCO
Gudleiv Bjørklund
Head of Corporate
Lena Apler
CoB
Erik Selin
Deputy CoB
Johannes Nyberg
Clara Bolinder Lundberg IR
Vilhelm Schottenius
Helena Levander
Claes Kinell
Christoffer Lundström
Ownership
Fastighets
AB Balder
(48%)
StrategiQ
Capital AB
(20%)
Ernström
Kapitalpartner AB
(15%)
Helichrysum
Gruppen AB (5%)
Collector Bank AB
Ownership before June 10, 2015.
.
Muirfield
Invest AB
(5%)
Jarla
Investeringar AB
(4%)
Other
(3%)
Introduction to Collector Bank
COLLECTOR BANK KEY FACTS 2014
Total assets
(year-end): SEK 6.6bn
Total income:
SEK 916m
Total income
CAGR of c. 30%
and EBT CAGR
of c. 42%
High growth,
innovative niche
bank
Speed and
flexibility as
competitive
edge EBT:
SEK 244m
Average return on equity: 23%
Targeting the
Nordic region
Source: Company financials. Note: Income and EBT CAGR 2005-14. IFRS accounting from 2007.
Two segments: Retail and
Corporate
Online
solutions
in focus
Collector Bank in brief
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Innova&ve niche bank with high growth Profit before tax 2015; +43%, income +30% Focus on the Nordic region Two segments: Retail and Corporate Strong IT-­‐plaNorm Listed since 2015, market capitaliza&on SEK 5.3 billion Collector Bank in figures
2014
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Balance sheet total SEK 6.6 billion Income SEK 916 million Profit before tax SEK 244 million RoE 23% Capital adequacy 20% A 15 year organically driven growth
Credit company under SFSA
surveillance
Starts offering personal loans. Adds
debt collection through acquisition
2001 Collector Bank is founded by
Lena Apler and Johan Möller
1999 Adds in-store commerce through
acquisition. New external owners
2004 Starts offering factoring.
Adds commerce through acquisition
2003 Credit card offering
introduced
2010 2006 Starts offering
saving accounts
Expands to Norway
and Finland
2005 Launches first mobile application:
Betalkoll
2014 Starts offering
property financing
2008 Bank licence pending
SFSA approval
2013 2015 1 000
Total income (SEKm)
900
800
700
600
500
400
300
200
100
0
2001
2002
2003
2004
2005
2006
2007
2008
2009
2010
2011
2012
2013
2014
Diversified financial services platform
Nordic region is the main market for Collector Bank
Segments and products
Share of 2014 total income
Personal loans
Collector Bank offices
Commerce
Retail
Credit cards
23%
Saving accounts
18%
57%
Oslo
Factoring and
Corporate lending
Property finance
Gothenburg (HQ)
Corporate
Debt collection
Debt purchase
Other:
1%
Malmö
Helsinki
Stockholm
Core building blocks of Collector Bank
Corporate culture
Entrepreneurship
System, digitalisation and design
High performance
Credit analysis, data and scoring
Low credit losses
IT team
2.6%
Commitment
1.4%
Innovation
2010
Ethics
2014
Commerce
Risk vs. reward
Heritage
One team
Distribution tool
Technology as enabler
Focused on profitable growth
Compelling growth opportunities going forward
Historical outperformance and large headroom to take market share
Market share for relevant market
Products
Market growth
Personal loans
~10-15%
Commerce
~15%
Credit cards
~4%
Retail
Significant headroom to continue taking market share…
Collector Bank growth
c. 46%
n/a
…and proven ability to significantly outgrow the market
Source: SCB, Statistik Centralbyrå Norge, Finlands Bank, Svenska Bankföreningen, Svensk Inkasso, Riksbanken.
Note: Collector Bank growth based on CAGR 2012-14 (as of 31 December each year) and refers to credit portfolio excluding non-performing loans.
Note: Market growth based on CAGR 2011-14 (except for credit cards which is based on 2010-14) and refers to outstanding credits in the market.