www.unobank.

asia

Trusted single interface to solving all your financial needs

 Elevating You – Simple, better, accessible financial management

To power lending & banking to the mass segment

UNO
Challenger
full-spectrum
digital bank With a world-class tech stack & partnerships

Led by a team of execs that know credit, banking, and digitalization

 The first fintech in South East & South Asia to
receive an outright Digital Banking License!

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 Founding team that know credit & banking

Manish Bhai Kalidas Ghose Puneet Gupta

CEO Board Chairman CTO / Advisor

Banker turned technology Veteran in retail banking and Digital Tech veteran, Inventor,
entrepreneur consumer finance Global CTO

Former APAC Head of CEO & Vice Chairman at Former APAC CTO at
Institutional sales & FE Credit GlobalLogiq
Treasurer at CITI

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Unobank is Attracting world-class senior management

Dhiresh Rustogi Sunil Kesavan Saikat Sarkar Rajeev Gupta

Chief Information Officer Chief People Officer Chief Risk Officer CFO - Corporate
(Joining Dec ’21)

Augustin Santiago Lester Cruz Danielou Guillaume

Head of Digital Products Head of Liabilities Products Digital Product Lead

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 Huge Market Opportunity Across Asia
THE 4 KEY ISSUES:
Traditional banks are challenged with

Financial inclusion very low High cost of operations & Low customer engagements,
in Asia with 50% unbanked and 40% borrowing outside of the organised sector unattractive rates (Cost/Income convenience and speed
(70% and 50% respectively for PH). ratio~60%)

Legacy tech and Traditional and conservative

Processes.
Traditional banks slow No agility.
lending tools and policies. (No
and not very successful in financial inclusion or expanding the credit base. inclusion focus)

Meanwhile, many Neobanks are facing headwinds

Financial solutions scattered with no one stop solution for life

Narrow and selective range of Lack of management team’s depth
financial needs - save, borrow, transact, protect, invest
product offering leading to in banking, regulatory &
profitability challenges compliance

Most new age digital lenders constrained by funding source,

Pure OTT models without a Investors realising that high client
And challenged by credit inexperience & over-reliance on alternate-
banking licenses finding it acquisition means nothing without
data models that stand-alone have not proved to be successful difficult to scale up a sound profitability proposition

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 Why will UNO win?
One trusted interface to solving all your financial needs with speed & ease!

Savings/Transaction
Auto Loans Account

Credit as a hook
while leveraging on other products and Personal
services like deposits, insurance, Borrowings
Investments
Deposits
payments, etc.
Insurance
Payment

Our moat Wallets

single interface, and a highly profitable

lending business smartly scaled using Personal Finance Credit cards
Management
deposits & bank borrowing/co-lending

Micro-merchant
Marketplaces
account

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 Using proven business model, with agile execution

Long term
monetization Business Model
Auto Loans
Digital-first banking business
Ecosystem tie-
ups & expansion
model with a lean-approach.
Insurance
Rapid execution with MVP lending
Investments & deposits at centre of plate, and
MSME
proposition optimization through transactions,
Transaction
insurance, investments
account Wallets

Deposits Personal
Loans
Proven business model catering
to similar market dynamics as
Short term Tinkoff & Nubank
monetization

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PHILIPPINES TARGET MARKET: MASS & MASS AFFLUENT
Mass and Mass-Affluent Represent a Key Target Segment that is Still
Under/Unbanked
Total Population: 106M HNW
Banked population remains highly under
Above
banked across income segment
Population: 6M 65
Adult Population (mm) (1) Banked Pop. Characteristics
95 100
Mass &
2.0x % %
Affluent • Very high price sensitivity (~6% APR) Workforce affluent
(>$30K • Lend from banks
Population: 58M Target Market:
income p.a.) • Mostly upscale / international Population: 6M
Unemployed
30-40M
mortgage or car loans Population: 36M
Below 15

2016 2025 2016 2025 leastRural

affluent

Adult Population (mm) (1) Banked Pop. Characteristics

80
Mass 70
2.2x % • High price sensitivity (~12-36% APR)
%
Affluent • Lend from banks / lending
($7-30K companies Overarching themes in this segment
income p.a.) • Mortgage, car loan, large ticket
cash loans I NEED FASTER DISBURSEMENT OF CREDIT AND AT MORE ATTRACTIVE RATES!
2016 2025 2016 2025

Adult Population (mm) (1) Banked Pop. Characteristics SIMPLIFY BANKING & FINANCE : MAKE IT CONVENIENT FOR ME
50
Mass % • Moderate price sensitivity (24-50%
0.97x
($2-7K 25
APR) NEED FOR SPEED (ACCOUNT OPENING, TRANSACTION AND MOST
income p.a.) %
• Lending cos, pawn shops, informal IMPORTANTLY QUICK LOANS WITHOUT MUCH PAPERWORK)
lenders
2016 2025 2016 2025
• Mid to low ticket cash loans HELP ME WITH RIGHT INFORMATION AND PRODUCT

Adult Population (mm) (1) Banked Pop. Characteristics

35 I ASPIRE TO DO BETTER - HELP ME (SAVE, PROTECT, INVEST)
0.6x % • Low price sensitivity (50%+ APR)
Lower Mass
17 • Mostly pawn shops, informal lenders
(<$2K %
• Low ticket cash loans IN EMERGENCY, I HAVE NO OPTION BUT TO TURN TO LOAN SHARKS
income p.a.)

2016 2025 2016 2025

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ACQUISITION / DISTRIBUTION & GTM
Through Own Digital Channels (Performance Marketing), DSA & Partnerships.
Strong Local Partnerships is key to scale-up and full ecosystem optimisation

Own channel

Digital Marketing Contact Center

DSA & Partnerships

Government Travel & Financial Online Telco &

Academic Healthcare Retail Corporate
Institutions Tourism Institutions Business Utilities
Institutions Institutions
Retail Chains BPO
Health ins Aggregators Insurance Co Aggregators Bayad
Universities Hospitals Ecommerce Top Tier
Income tax Ride Hailing Payment Wallets Distributors Post office
Vocationals Pharma Co

GTM: Savings & Transactions: GTM: Lending

Open an UNO Savings account (Higher Rate, Cash Back, Discount Instalment Cash Loan Account & POS (10% of the Portfolio)
on transactions); transfer salary, make it a primary account FOR Quicker turn-around and lower rates
pre-approved credit limits
Tie-ups for payments processing; One Universal Card Launch: Digital Marketing, DSA Channels, Partnerships
Ecommerce + Retail : POS Loans
Launch: Digital Marketing, DSA channels, Partnerships Marketplaces (Aggregators/Distributors) + Distribution agents: Loans
& Insurance
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 REGULATORS HAVE CAPPED DIGITAL BANK LICENSES TO 6

• Subsidiary of government-owned Land Bank of the Philippines, with a focus on overseasFilipinos

• The first digital banking license issued by BSP

• Singapore based
• First licensed neobank to launch operations in the Philippines; Digital bank license was convertedfrom rural
bank license

• First publicly-listed, traditional bank to receive a digital banking license by the BSP

• Partnership between the Gokongwei Group,one of the biggest conglomerates in the Philippines, and the
Singapore-headquartered digital banking group Tyme.

• Subsidiary of Voyager Innovations,

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