Fabrity Holding S.A

Earnings Release • Oct 2, 2019

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. - September 2019Theboard of Aforti Holding S.A. ("the Company", "the Issuer") headquarteredin Warsaw hereby announces to the public the estimated operational andsales results of 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. the Issuer's subsidiaries for September 20191)The estimated operational and sales results of Aforti Finance S.A. forSeptember 2019:In September 2019 AfortiFinance S.A. granted 4 loans (decrease by 90,70%) with a total value ofPLN 842,47 thousand, which is a decrease of 79,08% compared to the samemonth of 2018. The value of submitted applications amounted to PLN 5822,99 thousand and that is a result lower by 82,45% compared to thesame period of the previous year. In September 2019, there were filed 27loan applications, what in relation to the same month of 2018 is areduction of 89,07%.Cumulatively,after nine months of 2019, Aforti Finance SA granted 125 loans (71,40%less YoY) with total value PLN 19 033,45 thousand and it is a decreaseby 57,85% compared to 2018. In the period from January to the end ofSeptember 2019, there were filed 1 083 loan applications with totalvalue PLN 172 121,75 thousand. The number of submitted applications wasreduced by 63,11%, and their total value by 53,97% in relation to thesame period in the previous year.2)The estimated operational and sales results of Aforti Finance RomaniaIFN S.A. for September 2019:In September2019, Aforti Finance Romania IFN S.A. - an entity operating in Romania -has granted 4 loans to entrepreneurs. Its total value amounted to RON283,54 thousand. In addition, Romanian entrepreneurs submitted 22applications last month for a total amount of RON 3 739,36 thousand.Atthe same time, after nine months of this year the Company accepted 63loan applications with a total value of RON11 256,99 thousand. In thistime were granted 11 loans with total value of RON 1 031,34 thousand.On31/10/2018, the Company obtained a license of a non-banking financialinstitution (IFN) allowing it to start operating activities.3)The estimated operational and sales results of Aforti Exchange S.A. forSeptember 2019:The currency exchangeplatform's turnover in September 2019 reached EUR 37 502,39 thousand andwas higher by 76,75% compared to the same period of the previous year.Atthe same time, after nine months of the 2019, the turnover reached thelevel of EUR 330 404,52 thousand, an increase of 90,81% year-on-year.4)The estimated operational and sales results of Aforti Exchange RomaniaS.A. for September 2019: The value of trading on the currency exchangeplatform in Romania in September 2019 amounted to EUR 18 248,74 thousandwhich is an increase of 214,59% in relation to September 2018.Inthe period from January to the end of September 2019, Aforti ExchangeRomania S.A. recorded EUR 118 584,20 thousand of the total turnovervalue, which in comparison to the previous year is an increase of243,86%.5) The total estimatedoperational and sales data of Aforti Exchange for September 2019:Thetotal value of trading on the currency exchange platforms of AfortiExchange operated in Poland and in Romania in September 2019 amounted toEUR 55 751,12 thousand, which in comparison to the same period in theprevious year means an increase of 106,34%.Atthe same time, cumulatively after nine months of 2019 the total value ofturnover reached the level of EUR 448 988,72 thousand and it increasedyear-on-year by 116,23%6) Theestimated operational and sales results of Aforti Collections S.A. forSeptember 2019:Nominal value of debtcollection commissions on September 2019 reached PLN 20 875,76 thousand.This is an increase by 1674,67% YoY. The number of recovery ordersamounted to 4 545 and was higher by 552,08% compared to September 2018.The company concluded one contract in the indicated month (lower by80,00%).Cumulatively, after ninemonths of 2019, the nominal value of the debt collection orders amountedto PLN -321 007,41 thousand, which is an increase by 2653,57%year-on-year. The number of orders also increased by 3102,95% to 66 301.At the same time, the number of debt recovery agreements concluded afterthe nine months of 2019, decreased by 19,30% to 46.7)The estimated operational and sales results of Aforti Factor S.A. forSeptember 2019:In September 2019 thevalue of receivables financed by Aforti Factor S.A. amounted to PLN 5057,38 thousand and was higher by 88,80% than in the previous year.Further,after nine months current year, this value reached level of PLN 33565,43 thousand, recording an increase of 96,45% year-on-year.

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

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