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History and key milestones<br />

MyBucks commenced business operations in 2011 and over the last five years, our Group has steadily grown in terms <strong>of</strong> revenue by continuously expanding our geographic presence as well<br />

as our customer base.<br />

Within the scope <strong>of</strong> our expansions in Africa and to Southern and Central Europe, we have tested and refined our product portfolio, increased our operational efficiency in terms <strong>of</strong> new market<br />

entries, developed and optimised our loan approval technology, and improved our legal and regulatory compliance processes.<br />

Major milestones<br />

2011<br />

GetBucks Mauritius is incorporated as holding<br />

company <strong>of</strong> the Group and we commence business in<br />

South Africa via a licence agreement with GetBucks<br />

South Africa.<br />

2011 - 2015<br />

We expand gradually to various other Sub-Saharan<br />

African markets, including Botswana, Kenya, Malawi,<br />

Swaziland, Zambia and Zimbabwe.<br />

2014 - 2015<br />

We expand our operations to Poland and Spain,<br />

establishing a base for further opportunistic growth<br />

in Europe and thereby test and refine our product<br />

portfolio in other geographic regions as well.<br />

July 2015<br />

Our local subsidiary in Zimbabwe, GetBucks<br />

Zimbabwe, is licenced by the Reserve Bank <strong>of</strong><br />

Zimbabwe (RBZ) to operate as a deposit taking<br />

micr<strong>of</strong>inance institution.<br />

October 2015<br />

We enter into a share purchase agreement with<br />

subsidiaries <strong>of</strong> Opportunity International to<br />

acquire the Opportunity Banks. Thereby, we intend<br />

to expand our geographic reach to Ghana, Tanzania<br />

and Mozambique, as well as enhance our competitive<br />

position in Malawi, Kenya and Uganda. However,<br />

the transactions did not conclude until 1 July 2016<br />

(Mozambique, Kenya and Tanzania) and 1 October 2016<br />

(Uganda). The transactions for Ghana and Malawi are<br />

still pending regulatory approvals.<br />

December 2015<br />

MyBucks S.A., Luxembourg becomes the ultimate<br />

holding company <strong>of</strong> our Group.<br />

January 2016<br />

GetBucks Zimbabwe is listed on the Zimbabwe Stock<br />

Exchange in order to facilitate our business operations<br />

in Zimbabwe.<br />

June 2016<br />

MyBucks becomes first African focused FinTech<br />

company listed on Frankfurt Stock Exchange.<br />

The company posts a pre-tax pr<strong>of</strong>it for its third year running.<br />

"MyBucks is an innovative and dynamic FinTech business.<br />

Unlike the majority <strong>of</strong> FinTech businesses operating today,<br />

we have an all-encompassing approach to financial products<br />

and services."<br />

Gerd Alexander Schütz<br />

Non-Executive Chairman: MyBucks<br />

| Introduction | Business Overview | Corporate Governance | Financial Statements | Other |<br />

MyBucks Annual Report 2016 14<br />

15 MyBucks Annual Report 2016

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