Fabrity Holding S.A

Earnings Release • Jan 3, 2020

The estimated operational and sales data ofsubsidiaries Aforti Finance S.A., Aforti Finance Romania IFN S.A.,Aforti Exchange S.A., Aforti Exchange Romania S.A., Aforti CollectionsS.A. and Aforti Factor S.A. - December 2019

The board of Aforti Holding S.A. ("the Company", "theIssuer") headquartered in Warsaw hereby announces to the public theestimated operational and sales results of Aforti Finance S.A., AfortiFinance Romania IFN S.A., Aforti Exchange S.A., Aforti Exchange RomaniaS.A., Aforti Collections S.A. and Aforti Factor S.A. the Issuer'ssubsidiaries for December 2019

1) The estimated operational and sales results ofAforti Finance S.A. for December 2019:

In December 2019 Aforti Finance S.A. granted15 loans(decrease by 68,75%) with a total value of PLN 1 325,81 thousand, whichis a decrease of 70,65% compared to the same month of 2018.

The value of submitted applications amounted to PLN 4446,40 thousand and that is a result lower by 84,53% compared to thesame period of the previous year. In December 2019, there were filed 64loan applications, what in relation to the same month of 2018 is areduction of 70,37%.

Cumulatively, after twelve months of 2019, AfortiFinance SA granted 176 loans (70,02% less YoY) with total value PLN 23672,56 thousand and it is a decrease by 60,01% compared to 2018. In theperiod from January to the end of December 2019, there were filed 1 341loan applications with total value PLN 195 719,08 thousand. The numberof submitted applications was reduced by 64,90%, and their total valueby 59,20% in relation to the same period in the previous year.

2) The estimated operational and sales results ofAforti Finance Romania IFN S.A. for December 2019:

In December 2019, Aforti Finance Romania IFN S.A. -an entity operating in Romania - has granted 2 loans to entrepreneurswith the total value of RON 333,84 thousand. At the same time, Romanianentrepreneurs submitted 4 applications last month for a total amount ofRON 1 198,50 thousand.

After twelve months of 2019 year the Company accepted79 loan applications with a total value of RON 15 094,88 thousand. Inthis time were granted 13 loans with total value of RON 1 462,43thousand.

On 31/10/2018, the Company obtained a license of anon-banking financial institution (IFN) allowing it to start operatingactivities.

3) The estimated operational and sales results ofAforti Exchange S.A. for December 2019:

The currency exchange platform's turnover in December2019 reached EUR 24 242,21 thousand and was lower by 28,72% compared tothe same period of the previous year.

At the same time, after twelve months of the 2019,the turnover reached the level of EUR 421 157,38 thousand, an increaseof 56,01% year-on-year.

4) The estimated operational and sales results ofAforti Exchange Romania S.A. for December 2019 :

The value of trading on the currency exchangeplatform in Romania in December 2019 amounted to EUR 6 672,96 thousandwhich is a decrease of 33,36% in relation to December 2018.

In the period from January to the end of December2019, Aforti Exchange Romania S.A. recorded EUR 159 353,87 thousand ofthe total turnover value, which in comparison to the previous year is anincrease of 134,99%.

5) The total estimated operational and sales data ofAforti Exchange for December 2019:

The total value of trading on the currency exchangeplatforms of Aforti Exchange operated in Poland and in Romania inDecember 2019 amounted to EUR 30 915,17 thousand, which in comparison tothe same period in the previous year means a decrease of 29,78%.

At the same time, cumulatively after twelve months of2019 the total value of turnover reached the level of EUR 580 511,25thousand and it increased year-on-year by 71,87%

6) The estimated operational and sales results ofAforti Collections S.A. for December 2019:

Nominal value of debt collection commissions onDecember 2019 reached PLN 34 252,89 thousand. This is an increase by76391,49% YoY. The number of recovery orders amounted to 5 605 and washigher by 11577,08% compared to December 2018.

Cumulatively, after twelve months of 2019, thenominal value of the debt collection orders amounted to PLN 452 061,86thousand, which is an increase by 2632,54% year-on-year. The number oforders also increased by 1698,65% to 82 900. At the same time, thenumber of debt recovery agreements concluded after the twelve months of2019, decreased by 27,14% to 51.

7) The estimated operational and sales results ofAforti Factor S.A. for December 2019:

In December 2019 the value of receivables financed byAforti Factor S.A. amounted to PLN 2 016,00 thousand and was lower by5,75% than in the previous year.

Further, after twelve months of 2019, this valuereached level of PLN 40729,52 thousand, recording an increase of 49,27%year-on-year.

A table containing estimated additional data,reported for December 2018 together with the comparative data, can befound in an annex to the current report.

Legal basis: Article 17 paragraph 1 of the MAR -confidential information