Mintos Loan Originators - Financial Reporting Quality
Loan Originator 2019 report? In English? Reputable auditor? IFRS? Reports per year Score
Aasa Yes Yes Not audited No 1 2
Acema Yes Yes Grohova Audit s.r.o No 1 2
Aforti No No N/A No 1 0
AgroCredit Yes Yes Potapoviča un Andersone SIA Yes 1 3
Akulaku Yes Yes Not audited No 1 2
Alexcredit Yes No Аудиторская компания Аудитор-Консултант-Юрист No 1 1
AlfaKredyt No No N/A No 1 0
Alivio Yes No González Solís No 2 2
CAPEM Yes No Baker Tilly Mexico, SC No 2 3
Capital Service Yes No Not audited No 4 2
Capitalia Yes Yes Grant Thornton Baltic Audit SIA No 2 4
CashCredit Yes Yes Not audited No 2 3
CashWagon No No Not audited No 0 0
Conmigo Vales Yes No Ernst & Young Global Limited No 2 3
Creamfinance Yes Yes BDO Ltd Yes 1 4
Credissimo Yes Yes Baker Tilly Baltics AS Yes 1 4
Creditstar Yes Yes Capella Consulting OU No 2 3
Creditter Yes No Not audited No 1 1
Credius Yes Yes DELOITTE AUDIT SRL No 1 3
DanaRupiah No No N/A No 1 0
Debifo No No N/A No 1 0
DelfinGroup Yes Yes BDO Assurance SIA Yes 4 5
Dineo Credito Yes No BNFIX Audit No 1 1
Dinerito Yes No KPMG No 1 2
Dozarplati DZP Center Yes No Crowe Global No 4 3
Dozarplati Sojuz-5 No N/A N/A N/A 1 0
Dziesiatka Finanse Yes No TAX Audyt SP z.o.o. No 1 1
E Cash Yes Yes Аудиторская компания Аудитор-Консултант-Юрист Yes 1 3
EcoFinance Yes No Аудит Эксперт OOO No 4 2
Eleving Group Yes Yes KPMG Luxembourg Yes 4 5
ESTO Yes Yes KPMG Baltics OU No 4 4
Eurocent No No N/A No 1 0
Everest Finanse Yes Yes Grant Thornton Frąckowiak Sp.z o.o.Sp.k. No 2 4
Evergreen Finance Yes Yes Not audited No 1 2
Express Credit Namibia Yes Yes BDO Namibia Yes 1 4
Express Credit Botswana Yes Yes BDO Certified Auditors Yes 1 4
Express Credit Zambia No No N/A No 1 0
Extra Finance Yes No N/A No 1 1
Fenchurch Legal Yes Yes Not audited No 1 2
Finclusion Yes Yes Not audited No 2 3
Finko (Varks) No No N/A N/A 1 0
Finko (Kiva) Yes No BDO Unicon Russia Yes 1 3
Finko (Metrocredit) Yes Yes Not audited No 1 2
Finko (Dinero) Yes No Crowe Ukraine AC No 1 2
Finko (UkrPozyka) Yes No AUDITORSKA FIRMA OLESYA LLC Yes 1 2
Fireof Yes Yes Not audited No 1 2
GetBucks Yes Yes PriceWaterhouseCoopers Yes 1 4
GFM Yes Yes Moore Stephens Kazakhstan Yes 4 5
GoCredit Yes No Deloitte Touche Tohmatsu Limited No 2 3
Jet Finance Yes Yes Deloitte Touche Tohmatsu Limited Yes 2 5
Hipocredit LT Yes Yes Not audited No 1 2
Hipocredit LV Yes Yes BDO Assurance SIA No 2 4
ID Finance Mexico Yes Yes Mancera S.C. (Ernst & Young Global Limited) No 1 3
IDF Finance Spain Yes Yes Ernst & Young SL Yes 2 5
IDF Eurasia Yes Yes BDO Kazahstan LLP Yes 1 4
IuteCredit Yes Yes Ernst & Young Baltic AS Yes 4 5
JULO Yes Yes Not audited No 1 2
Kredit Pintar Yes Yes BDO LLC No 1 3
Kredit24 Yes Yes Not audited No 1 2
Kviku Yes Yes ART Audit Yes 4 4
LF Tech Yes No Not audited No 1 1
Lime Zaim Yes No Russel Bedford IAS LLC Yes 4 4
Mikro Kapital Moldova Yes Yes Grant Thornton Audit S.R.L. Yes 4 5
Mikro Kapital Romania Yes No PricewaterhouseCoopers Audit S.R.L No 4 3
Mikro Kapital Russia Yes Yes Moore Stephens OOO Yes 4 5
Mikro Leasing Belarus Yes Yes KPMG International Yes 2 5
Moneda Yes Yes RSM bh d.o.o. Yes 1 4
Monego No No N/A N/A 1 0
Mozipo Group Yes Yes Ernst & Young Assurance Services SRL Yes 1 4
Nordecum UAB Yes Yes Grant Thornton Baltic UAB No 1 3
Novaloans Yes Yes Not audited No 2 3
Pay P.S. Yes No FBK Grant Thornton Yes 2 4
Peachy No No N/A N/A 1 0
Pinjam Yuk No No N/A N/A 1 0
Placet Group OU Yes Yes Ernst & Young Baltic AS No 4 4
Podemos Progresar Yes No CASE CONTADORES PUBLICOS SC No 2 2
RapiCredit Yes Yes CONGROUP CONSULTORES SAS No 2 4
Rapido Finance No No N/A N/A 1 0
Revo Technology Yes No KPMG International No 2 3
SOS Credit Yes No Малтіком TOB Yes 2 3
Stik Credit Yes Yes Йорданка Йончева Yes 1 3
Sun Finance Denmark Yes Yes Baker Tilly Denmark No 4 4
Sun Finance Group Yes Yes Baker Tilly Baltics AS Yes 4 5
Sun Finance Latvia Yes No Baker Tilly Baltics AS No 2 3
Sun Finance Poland No No Not audited No 2 1
Swiss Capital KZ Yes Yes BDO Kazakhstan LLP Yes 1 4
TASCredit Yes No Crowe Audit KZ TOO Yes 1 3
Watu Credit Yes Yes DELOITTE AUDIT SRL Yes 1 4
Watu Credit Uganda No Yes N/A N/A 2 2
Wowwo Yes Yes Bakertilly Gureli No 4 4
Zenka Yes Yes Moses Mungai Kio & Associates Yes 1 3


Mintos Loan Originators - Financials 2021 Q3

Loan Originator Profit Assets Equity Debt Debt to Equity Group Guarantee FRQS
Creditstar € 2.1m € 188.0m € 38.3m € 149.7m 3.9 Yes 3
IuteCredit € 4.4m € 130.0m € 23.7m € 106.3m 4.5 Yes 5

Mintos Loan Originators - Financials 2021 Q2

Loan Originator Profit Assets Equity Debt Debt to Equity Group Guarantee FRQS
Alivio - € 11.5m € 1.2m € 10.4m 8.9 - 2
CAPEM € 0.7m € 31.7m € 12.5m € 19.2m 1.5 - 3
Conmigo Vales € 0.1m € 10.0m € 0.1m € 9.9m 162.9 Yes 3
Creditstar € 2.6m € 179.3m € 36.2m € 143.1m 4.0 Yes 3
Delfin Group € 1.6m € 39.7m € 8.1m € 31.6m 3.9 Yes 5
Eleving Group € 7.9m € 291.2m € 48.0m € 243.2m 5.1 Yes 5
GoCredit € 0.7m € 11.5m € 8.1m € 3.4m 0.4 - 3
IuteCredit € 3.0m € 123.7m € 23.0m € 100.8m 4.4 Yes 5
Jet Finance € 0.5m € 5.8m € 1.5m € 4.3m 2.9 No 5
Kviku € 2.9m € 36.9m € 5.8m € 31.1m 5.3 No 4
Pay P.S. € 0.5m € 11.1m € 1.7m € 9.4m 5.4 - 3
Revo Technology € 0.3m € 40.5m € 11.8m € 28.7m 2.4 - 3
Stikcredit € 1.3m € 12.0m € 7.3m € 4.6m 0.6 - 3
Watu Credit Uganda € 0.9m € 11.7m € 1.3m € 10.4m 8.3 No 2

Mintos Loan Originators - Financials 2021 Q1

Loan Originator Profit Assets Equity Debt Debt to Equity Group Guarantee FRQS
Creditstar € 1.7m € 165.1m € 33.5m € 131.6m 3.9 Yes 3
DelfinGroup € 0.8m € 40.9m € 8.6m € 32.3m 3.7 Yes 5
Iute Credit € 1.1m € 118.9m € 22.0m € 96.9m 4.4 Yes 5
Kviku € 0.5m € 28.0m € 3.8m € 24.2m 6.4 No 4
Revo Technology € 0.9m € 3.4m € 9.9m € 24.4m 2.5 - 3
Mintos Loan Originators - Financials 2020

Loan Originator Profit Assets Equity Debt Debt to Equity Group Guarantee FRQS
Alivio € 0.1m € 11.4m € 11.1m € 10.3m 9.3 - 2
CAPEM € 0.6m € 25.8m € 11.7m € 14.1m 1.2 - 3
Conmigo Vales € 1.3m € 79.5m € 13.4m € 66.1m 4.9 Yes 3
Creamfinance € -0.8m € 63.0m € 11.7m € 51.9m 4.4 Yes 4
Credissimo € 2.7m € 24.1m € 18.8m € 5.2m 0.3 No 4
Credius € 1.1m € 16.1m € 7.3m € 8.8m 1.2 No 4
Creditstar € 5.7m € 158.4m € 31.9m € 126.5m 4.0 Yes 3
Dana Rupiah € 0.0m € 1.9m € 0.8m € 1.1m 1.3 No 3
Delfin Group € 2.9m € 41.8m € 7.7m € 34.2m 4.5 Yes 5
Dinerito € -0.1m € 11.8m € 3.2m € 8.6m 2.7 - 3
Ecash € -0.3m € 2.5m € 0.2m € 2.4m 12.6 No 3
EcoFinance € -1.8m € 8.0m € 2.4m € 5.6m 2.3 - 2
Eleving Group € 5.6m € 59.0m € 14.3m € 44.7m 3.1 Yes 5
ESTO € 1.6m € 22.2m € 1.8m € 20.4m 11.2 - 4
Everest Finanse € 2.2m € 136.8m € 64.8m € 72.0m 1.1 - 4
Express Credit Botswana € 0.1m € 24.9m € 4.5m € 20.4m 4.5 No 4
Express Credit Namibia € -1.0m € 6.3m € 0.6m € 5.7m 8.9 No 4
Express Credit Namibia € -1.0m € 6.3m € 0.6m € 5.7m 8.9 No 4
Fenchurch Legal € 0.2m € 10.1m € 0.5m € 9.6m 19.8 Yes 2
Finclusion € -2.3m € 10.7m € 1.9m € 8.8m 4.6 Yes 4
GFM € 0.2m € 8.5m € 6.5m € 2.0m 0.3 - 5
GoCredit € 1.1m € 11.5m € 7.8m € 3.7m 0.5 - 3
IDF Eurasia € 4.2m € 74.9m € 18.6m € 56.3m 3.0 Yes 4
IuteCredit € 5.2m € 116.6m € 21.5m € 95.1m 4.4 Yes 5
Jet Finance € -1.9m € 7.3m € 1.0m € 6.3m 6.5 No 5
Kviku € 1.1m € 21.3m € 3.1m € 18.1m 5.8 No 4
Lime Zaim € 0.0m € 11.5m € 4.1m € 7.4m 1.8 - 3
Mikro Kapital Romania € 0.4m € 27.1m € 4.3m € 22.8m 5.3 No 3
Mikro Kapital Russia € -2.0m € 19.5m € 7.7m € 11.7m 1.5 No 5
Mikro Kapital Moldova € 0.4m € 18.3m € 3.9m € 14.4m 3.6 No 5
Mikro Leasing Uzbekistan € 0.8m € 9.7m € 0.9m € 8.7m 9.2 No 5
Nordecum € 0.0m € 13.1m € 3.1m € 9.9m 3.2 No 3
Novaloans € 0.4m € 5.4m € 1.5m € 3.9m 2.6 No 2
Pay P.S. € 0.6m € 7.8m € 1.3m € 7.8m 6.1 >- 4
Placet Group € 3.7m € 47.0m € 22.7m € 24.3m 1.1 No 3
Podemos Progresar € 1.6m € 13.2m € 6.7m € 6.6m 1.0 - 3
Rapicredit € -0.5m € 6.7m € 0.6m € 6.1m 10.2 - 3
Revo Technologies € 3.6m € 31.4m € 8.7m € 22.7m 2.6 - 3
SOS Credit € 0.0m € 1.9m € 1.2m € 0.7m 0.6 Yes 4
Stikcredit € 2.3m € 9.0m € 6.1m € 2.9m 0.5 - 3
Swell € 0.8m € 15.0m € 4.3m € 10.7m 2.5 - 2
Wowwo € 1.4m € 39.2m € 10.2m € 28.9m 2.8 - 5
Mintos Loan Originators - Financials 2020 Q3
Loan Originator Profit Assets Equity Debt Debt to Equity Group Guarantee FRQS
Cashcredit € 0.2m € 6.1m € 3.2m € 2.9m 0.9 No 3
Credius € 0.7m € 13.7m € 9.3m € 4.4m 0.5 No 3
DelfinGroup € 3.2m € 42.6m € 9.5m € 33.1m 3.5 Yes 5
Dozarplati DZP Center € 4.4m € 23.6m € 7.1m € 16.5m 2.3 No 3
Dozarplati Sojuz-5 € 0.0m € 1.0m € 0.0m € 1.0m 20.3 No 0
EcoFinance € -2.0m € 7.8m € 0.2m € 7.6m 41.6 - 2
Eleving Group € 2.5m € 264.8m € 27.1m € 237.7m 8.8 Yes 5
ESTO € 0.6m € 18.2m € 1.4m € 16.8m 11.8 - 4
Finclusion € 0.1m € 18.9m € 8.8m € 10.0m 1.1 Yes 3
GFM € 0.3m € 7.1m € 5.6m € 1.4m 0.3 - 5
IDF EURASIA € 9.4m € 35.0m € 20.2m € 14.8m 0.7 Yes 4
IuteCredit € 3.8m € 97.5m € 20.9m € 76.5m 3.7 Yes 5
Kviku € 0.5m € 15.9m € 2.5m € 13.3m 5.3 No 4
Lime Zaim € -1.0m € 9.7m € 3.1m € 6.7m 2.2 - 4
Mikro Kapital Moldova € 0.4m € 16.6m € 4.2m € 12.4m 3.0 No 5
Mikro Kapital Romania € 0.2m € 26.9m € 3.6m € 23.3m 6.5 No 3
Mikro Kapital Russia € 0.1m € 19.3m € 7.9m € 11.5m 1.5 No 5
Mikro Leasing Belarus € 1.4m € 35.1m € 5.0m € 30.1m 6.0 Yes 5
Novaloans € -0.0m € 5.4m € 2.2m € 3.3m 1.5 - 3
Placet Group OU € 3.0m € 45.0m € 22.0m € 22.9m 1.0 No 4
Podemos Progresar € 1.3m € 11.3m € 6.5m € 4.8m 0.8 - 2
RapiCredit € -0.7m € 6.8m € 0.7m € 6.2m 9.1 - 4
Revo Technology € 1.6m € 29.4m € 6.8m € 22.6m 3.3 - 3
SOS Credit € -0.0m € 2.1m € 1.1m € 0.9m 0.8 Yes 3
Stik Credit € 2.0m € 8.5m € 5.7m € 2.9m 0.5 - 3
Sun Finance Denmark € 0.7m € 14.3m € 3.8m € 10.5m 2.8 No 4
Sun Finance Group € 4.4m € 96.6m € 30.3m € 66.3m 2.2 Yes 5
Sun Finance Latvia € 1.9m € 16.3m € 9.2m € 7.2m 0.8 No 3
Sun Finance Poland € 1.4m € 19.6m € 5.6m € 14.0m 2.5 No 1
Wowwo € 4.3m € 54.2m € 17.4m € 37.6m 2.2 - 4

Mintos Loan Originators - Financials 2020 Q2
Loan Originator Profit Assets Equity Debt Debt to Equity Group Guarantee FRQS
Capital Service € -2.2m € 28.7m € 1.3m € 27.4m 20.3 - 2
Creditstar € 1.4m € 137.6m € 29.7m € 108.0m 3.6 Yes 3
Dozarplati € 0.0m € 19.2m € 2.7m € 16.5m 6.1 No 3
Everest Finanse € -1.0m € 124.3m € 62.7m € 124.3m 2.0 - 4
GFM € 0.2m € 6.5m € 5.2m € 1.3m 0.2 - 5
ID Finance Spain € 2.2m € 33.9m € 7.6m € 26.3m 3.4 No 5
IDF EURASIA € 4.0m € 29.0m € 14.9m € 14.1m 1.0 Yes 4
IuteCredit € 1.3m € 96.8m € 18.9m € 77.8m 4.1 Yes 5
Kviku € 0.2m € 16.2m € 2.4m € 13.7m 5.7 No 4
Placet Group OU € 1.9m € 44.0m € 20.9m € 23.1m 1.1 No 4
Wowwo € 2.4m € 48.2m € 15.5m € 32.7m 2.1 - 4

Mintos Loan Originators - Financials 2020 Q1
Loan Originator Profit Assets Equity Debt Debt to Equity Group Guarantee FRQS
Acema € 7.5m € 55.5m € 22.6m € 55.5m 2.5 - 2
Capital Service € -0.2m € 31.5m € 3.4m € 28.1m 8.3 - 2
Capitalia € -0.0m € 2.6m € 0.6m € 0.0m 0 Yes 4
Hipocredit LT € 0.1m € 5.5m € 0.0m € 5.5m 238.7 No 2
Hipocredit LV € 0.1m € 7.3m € 0.6m € 7.3m 11.7 No 4
IDF EURASIA € 1.4m € 29.3m € 13.8m € 15.4m 1.1 Yes 4
IuteCredit € 1.5m € 106.0m € 19.0m € 87.0m 4.6 Yes 5
Kviku € 0.2m € 18.2m € 2.4m € 15.8m 6.6 No 4
Mikro Kapital Russia € 0.0m € 18.8m € 7.6m € 11.2m 1.5 No 5
Placet Group OU € 1.0m € 40.4m € 20.0m € 20.4m 1.0 No 4
Sun Finance Group € 1.2m € 88.0m € 19.8m € 68.2m 3.4 Yes 5
Sun Finance Latvia € 1.6m € 16.4m € 8.1m € 8.3m 1.0 No 3
Sun Finance Poland € 0.1m € 21.4m € 3.2m € 18.5m 5.8 No 1
Wowwo € 1.5m € 47.2m € 14.6m € 32.5m 2.2 - 4

Mintos Loan Originators - Financials 2019
Loan Originator Profit Assets Equity Debt Debt to Equity Group Guarantee FRQS
Aasa € 0.0m € 0.0m € 0.0m € 0.0m 1.8 No 2
Acema € 11.6m € 55.3m € 22.0m € 55.3m 2.5 - 2
Aforti - - - - - Yes 0
AgroCredit € 0.2m € 7.8m € 1.9m € 5.9m 3.2 - 3
Akulaku - - - - - Yes 2
Alexcredit - - - - - - 1
AlfaKredyt - - - - - - 0
Capital Service € 0.5m € 33.3m € 3.7m € 29.5m 7.9 - 2
Capitalia € 0.1m € 2.9m € 0.6m € 1.8m 3.3 Yes 4
CashCredit € 0.8m € 3.9m € 3.0m € 4.4m 1.5 No 3
Cashwagon - - - - - Yes 0
Creamfinance € 0.7m € 80.1m € 13.3m € 6.7m 0.5 Yes 4
Credissimo € 2.5m € 25.5m € 16.1m € 9.4m 0.6 No 4
Creditstar € 5.9m € 123.8m € 24.9m € 98.8m 4.0 Yes 3
Creditter € 1.4m € 7.1m € 1.4 € 5.8m 4.2 - 1
Credius € 1.8m € 16.3m € 8.7m € 7.6m 0.9 No 3
DanaRupiah - - - - - No 0
Debifo - - - - - - 0
DelfinGroup € 3.9m € 38.3m € 8.4m € 29.9m 3.6 Yes 5
Dineo Credito € 3.4m € 9.9m € 1.2m € 8.7m 7.4 - 1
Dinerito € 0.2m € 11.1m € 3.3m € 154.4m 46.1 - 3
Dozarplati DZP Center € 2.0m € 16.1m € 4.1m € 12.0m 2.9 No 3
Dozarplati Sojuz-5 - - - - - - 0
Dziesiatka Finanse € 0.5m € 11.1m € 3.5m € 10.9m 3.2 - 1
E Cash € -1.1m € 3.2m € 0.5m € 0.0m 0.0 No 3
EcoFinance € -0.3m € 7.6m € 1.3m € 6.5m 5.0 - 2
Eleving Group € 6.5m € 253.6m € 22.3m € 231.3m 10.4 Yes 5
ESTO € 0.4m € 13.2m € 0.5m € 2.9m 6.3 - 4
Eurocent - - - - - - 0
Everest Finanse € 9.2m € 134.3m € 65.6m € 132.6m 2.0 - 4
Evergreen Finance € 1.1m € 6.8m € 1.2m € 7.5 6.1 - 2
ExpressCredit Namibia € -0.7m € 4.2m € -1.0m € 5.2m Negative Equity No 4
ExpressCredit Botswana € 1.4m € 19.0m € 3.6m € 15.4m 4.3 No 4
ExpressCredit Zambia - - - - - No 0
Extra Finance € 3.0m € 16.5m € 4.0m € 0.2m 0.1 - 1
Finclusion € 3.0m € 31.1m € 15.4m € 5.1m 0.3 Yes 3
Finko - Armenia (Varks) - - - - - Yes 0
Finko - Russia (Genesis Group-Kiva) € -0.9m € 4.4m € 0.5m € 3.9m 7.5 Yes 3
Finko - Russia (Metrokredit) - - - - - Yes 2
Finko - Ukraine (Dinero) - - - - - Yes 2
Finko - Ukraine (UkrPozyka) - - - - - Yes 2
Fireof - - - - - - 2
GetBucks € -51.2m € 208.1m € -41.8m € 7.5m Negative Equity Yes 4
GFM € 0.0m € 5.9m € 4.4m € 1.5m 0.4 - 5
Hipocredit LT € -0.0m € 5.5m € -0.1m € 5.5m Negative Equity No 5
Hipocredit LV € 0.3m € 7.2m € 0.5m € 7.1m 14.4 No 4
ID Finance Mexico € -2.2m € 5.8m € -3.1m € 9.0m Negative Equity No 3
ID Finance Spain € 3.3m € 33.0m € 5.4m € 27.6m 5.1 No 5
IDF EURASIA € 2.8m € 40.6m € 9.4m € 13.0m 1.4 Yes 4
IuteCredit € 8.3m € 106.3m € 18.5m € 87.7m 4.7 Yes 5
Julo € -1.7m € 18.8m € 9.5m € 0.1m 0.0 Yes 2
Kredit Pintar € 0.2m € 97.1m € 17.1m € 79.0m 4.6 Yes 3
Kredit24 € 1.0m € 3.44m € 0.5m € 2.9m 5.6 Yes 2
Kviku € 0.8m € 15.8m € 2.2m € 13.9m 6.2 No 4
LF TECH € 17.0m € 45.5m € 41.7m € 3.8m 0.1 No 1
Lime Zaim € 1.1m € 11.8m € 3.7m € 8.3m 2.2 - 4
Mikro Kapital Moldova € 0.2m € 13.7m € 2.8m € 10.7m 3.8 No 5
Mikro Kapital Romania € -0.4m € 10.1m € 2.8m € 3.9m 1.4 No 3
Mikro Kapital Russia € 0.4m € 24.4m € 9.7m € 14.6m 1.5 No 5
Mikro Leasing Belarus € 0.8m € 28.6m € 3.2m € 27.9m 8.6 Yes 5
Moneda € -0.8m € 1.0m € 0.3m € 0.7m 1.9 - 4
Monego - - - - - - 0
Mozipo Group - - - - - Yes 4
Nordecum UAB € 0.2m € 11.2m € 3.1m € 8.1m 2.6 No 3
Novaloans - - - - - - 3
Peachy - - - - - - 0
Pinjam Yuk - - - - - Yes 0
Placet Group OU € 3.1m € 39.8m € 19.0m € 20.8m 1.1 No 4
Podemos Progresar € 1.1m € 8.2m € 4.4m € 3.8m 0.8 - 2
RapiCredit € 0.6m € 7.4m € 1.3m € 6.1m 4.6 - 4
Rapido Finance - - - - - No 0
Revo Technology € 0.8m € 31.3m € 5.0m € 27.0m 5.4 - 3
SOS Credit € 0.0m € 1.9m € 1.1m € 0.8m 0.7 Yes 3
Stik Credit € 1.7m € 5.7m € 1.7m € 3.6m 2.2 - 3
Sun Finance Denmark € 2.6m € 11.0m € 0.7m € 10.3m 14.7 No 4
Sun Finance Group € 6.8m € 90.8m € -2.1m € 92.9m Negative Equity Yes 5
Sun Finance Latvia € 3.0m € 16.5m € 4.0m € 0.2m 0.0 No 3
Sun Finance Poland - - - - - No 1
Swiss Kapital KZ € 0.1m € 6.6m € 0.5m € 6.2m 13.0 No 4
TASCredit € 1.6m € 9.5m € 1.0m € 5.4m 5.5 - 3
Watu Credit € 4.1m € 28.6m € 4.4m € 24.0m 5.5 - 4
Wowwo € 2.6m € 47.9m € 14.2m € 14.9m 1.0 - 4
Zenka € -0.9m € 4.9m € 0.2m € 0.2m 1.0 - 3

Mintos Loan Originators - affiliated with Mintos shareholders
Loan Originator Company Country Status
ExpressCredit Expresscredit (Proprietary) Limited
Botswana
active
ExpressCredit Expresscredit Holding AS
Zambia
suspended
ExpressCredit Express Credit Cash Advance (Proprietary) Limited
Namibia
active
Finko Dinero
Ukraine
wind-down in progress
Finko Kiva
Russia
wind-down in progress
Finko Lendo
Georgia
wind-down finished
Finko Metrokredit
Russia
wind-down in progress
Finko UkrPozyka
Ukraine
wind-down in progress
Finko Varks
Armenia
lost license, wind-down in progress, expected recovery: <70%
Hipocredit AS Hipocredit LV
Latvia
active
Hipocredit UAB Hipotekiniai kreditai LT
Lithuania
active
Mogo KREDO FINANCE SHPK
Albania
active
Mogo TIGO FINANCE DOOEL Skopje
North Macedonia
active
Mogo AS mogo
Latvia
active
Mogo Mogo OÜ
Estonia
active
Mogo UAB mogo LT
Lithuania
active
Mogo Mogo Sp. z o.o. PL
Poland
active
Mogo Mogo IFN SA
Romania
active
Mogo Mogo Bulgaria EOOD
Bulgaria
active
Mogo Mogo LLC
Georgia
active
Mogo Mogo LTD
Moldova
active
Mogo MOGO Universal Credit Organization LLC
Armenia
active
Mogo MOGO Kredit LLC
Belarus
active
Mogo Mogo Albania Sh.A
Albania
active
Mogo TOO Mogo Kazakhstan
Kazahstan
active
Mogo Sebo
Moldova
active
Moneda MKD Moneda d.o.o.
Bosnia and Herzegovina
left Mintos
Monego MONEGO SH.P.K.
Kosovo
lost license, wind-down in progress
Peachy Cash On Go Ltd.
Great Britain
wind-down finished
Sun Finance SIA Extra Credit
Latvia
active
Sun Finance Proximus Finance S. de R.L. de C.V
Mexico
active
Sun Finance Kuki.pl
Poland
active
Sun Finance Aps Capitolia
Denmark
active
Sun Finance Creditum LLP, Sofi Finance LLP
Kazahstan
active
Sun Finance Digital Credit Trading Service Company Limited
Vietnam
active
Zenka ZENKA FINANCE COMPANY LIMITED
Kenya
active