Bondora

Investment Platform: Our flagship investment product, Go & Grow, has revolutionized how European retail investors access the consumer credit asset class. Designed with simplicity in mind, Go & Grow enables investors to participate in a diversified portfolio of loan fractions across multiple European markets without requiring specialized knowledge of credit markets. Key features of our investment platform: • Automated diversification across thousands of loan fractions • Daily compounding returns • Near-instant liquidity for flexible access to funds • Low minimum investment amount for accessibility • User-friendly interface requiring minimal management • Detailed performance statistics and transparent reporting Approximately 250,000 investors from across Europe have entrusted their capital to Bondora's investment platform, collectively adding over €1 billion to their accounts. For more sophisticated investors, we also provide advanced options including an API for custom investment strategies and direct access to loan-level data.

Consumer Lending Services: Since our inception, Bondora has transformed the consumer lending landscape by providing unsecured personal loans ranging from €100 to €15,000 across multiple European markets. Our lending operations currently span five countries: Estonia, Finland, Spain, the Netherlands, and Latvia, with plans for continued expansion.

What sets our lending service apart: • Fully digital application process with instant decisions • Proprietary credit assessment algorithms evaluating multiple data points • Personalized loan offers tailored to individual creditworthiness • Flexible repayment terms of up to 120 months • Transparent fee structure with no hidden charges • Inclusive approach to credit evaluation, focusing beyond traditional metrics Nearly 200,000 borrowers have chosen Bondora for their financing needs, resulting in over €1 billion in total loan originations. Our loan approval process combines sophisticated technology with responsible lending practices, ensuring both efficiency and compliance with regulatory requirements across all operating markets.

Company Performance & Recognition: Bondora has maintained consistent profitability since 2017, demonstrating the sustainability of our business model. In 2024, we reported revenue of €52.6 million and a net profit of €1.2 million, marking our eighth consecutive year of profitability.

Our innovative approach to fintech has been recognized through multiple awards and distinctions, including: • Inclusion in CNBC's Top 250 Fintech Companies list (2023 & 2024) • European Business Awards National Winner (2019) • Ranked 8th on Estonia's Top Tech Companies list (2024) • Recognition among Leading European Tech Scaleups (LETS 2024)

Bondora operates under the regulatory oversight of the Estonian Financial Supervision Authority, ensuring adherence to financial regulations across all markets we serve. Our commitment to compliance, transparency, and customer-centric products continues to drive our expansion as we work toward our goal of reaching 1 million active customers across Europe.