DOMUS

A new business vision

DOMUS GROUP

1 GRUPO DOMUS

2 DISTRESSED ASSETS – NPLS and REAL ESTATE

3 TRACK RECORD

4 IT PLATFORM

5 GENERAL INFORMATION

INDEX

1

GRUPO DOMUS

THIRD PARTY

INVESTORSDOMUS

IT SERVICING

SPVs

INVESTMENT CONSULTING

2

1 GRUPO DOMUS

WABBIT

João Costa Reis BC – Portugal Funds

SHAREHOLDERS

LICENSES &

CLIENTS

FUND V

SPV 1

SPV 2

SPV3

IT

THIRD PARTY

INVESTORS

CLAIM - 231 M€

# NPLs - 6.411

CLAIM - 59 M€

# NPLs - 5.214

SPV A

OMV - 22 M€

# RE - 113

CLAIM – 4.9 B€

# NPLs - 23.073

# CLIENTS - 12

# USERS - 300

DOMUS PROPRIETARY INVESTMENT

CLAIM - 536 M€

# NPLs - 25.873

INVESTMENTS

1 GRUPO DOMUS

DOMUS

REAL ESTATEDOMUS DISTRESSED ASSET

FUND I

GRUPO DOMUS

3

FUND VI

CLAIM - 92 M€

# NPLs - 6.062

CLAIM - 102 M€

# NPLs - 2.858

FUND II

FUND VII

CLAIM - 15 M€

# NPLs - 49

CLAIM - 2 M€

# NPLs - 3

FUND III

FUND VIII

CLAIM - 4 M€

# NPLs - 30

CLAIM - 31 M€

# NPLs - 5.246

FUND IV

AUCTIONS

9.356

CLAIM – 207 M€

7,800

Time

20 years8 years

48,96850,000

?

ASSETS UNDER MANAGEMENT

1 GRUPO DOMUS

4

B

A

C

(since 2007)

(since 2007)

(since 2007)

(since 1994)

€ 0.8 B

Time

20 years8 years

€ 5.6 B€ 1.7 B

€ 2.0 B

GROSS BOOK VALUE

1 GRUPO DOMUS

5

C

A

B

(since 2007)

(since 2007)

(since 2007)

(since 1994)

GROSS BOOK VALUE

CORE COMPETENCE:

• 20 YEARS OF HISTORICAL DATA ( CREDIT RECOVERY

SCORING ALGORITHM)

• NETWORK (HIGH CALIBRE CLIENTS’ TRUST)

• INFRASTRUCTURE (APPLYING GAMIFICATION TO

IMPROVE EMPLOYEE PRODUCTIVITY)

↑

↑

↑

1 GRUPO DOMUS

6

€ 5.6 B(since 1994)

Mission

• Prospection for new business: search for opportunities to buy specific

loans which are attractive to investment;

• Management and collection of the Group’s assets and third party

investors.

7

1 GRUPO DOMUS

Identify opportunities which allow reaching the expected returns.

Business Model

Deep know-how

Banking Sector Real Estate Market Distressed Assets

8

1 GRUPO DOMUS

Valuation Criteria

Methodology

Expected ReturnsExpected

Investment ValueSector of Activity

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1 GRUPO DOMUS

Assets Acquisition/Due Diligence

• Due Diligence: Organization, analysis

_and data processing;

• Valuation of the portfolios’ collateral

_through third parties.

• Providing assistance to investors in

_pricing models and reports.

Portfolio Management

• Negotiation with debtors;

• Judicial procedures’ management;

• IT Management System;

• Loan by Loan Business Plan.

• Active management of real estate

portfolios;

• Selection and control of the

distribution channels (i.e. real estate

brokers).

Real Estate Sales

Consultancy

Services

10

1 GRUPO DOMUS

DISTRESSED ASSETS

FINANCIAL INSTITUTIONS / PRIVATE

Secured

•Consumer loans

•No securities

•No collateral

•Mortgage loans

•Securities

•Collateral

Unsecured

• Portfolio valuation;

• Individual analysis of

each loan;

• Valuation of business

potential.

ACQUISITION

Real Estate

Process Flow

11

2 DISTRESSED ASSETS

•Hotels

•Warehouses

•Buildings,

•Etc.

Process Flow

DUE

DILIGENCE

PORTFOLIO

MANAGEMENT

REAL

ESTATE SALE

CASH

ACQUISITION

RESULTS

12

2 DISTRESSED ASSETS

CASH

RECOVERY

Info

Portfolio Type OPB AIC AIC / OPB Acquisition Date

POR-01 Unsecured 64.945.352 3.435.522 5,3% 31-Out-06

POR-02 Unsecured 76.916.036 3.542.051 4,6% 31-Dez-08

POR-03 Secured 11.398.589 3.093.362 27,1% 31-Dez-07

POR-04 Secured 7.661.201 1.805.228 23,6% 30-Set-06

Performance | Indicators

Break Even Expected Date IRR Multiple Actual GDP Future GDP

31-Jan-08 01-Dez-13 93,90% 4,57 12.686.496 3.000.000

30-Set-10 31-Dez-14 106,80% 2,41 5.918.276 2.616.563

31-Jul-11 31-Dez-14 13,80% 1,29 3.325.590 653.791

31-Jul-10 31-Out-14 17,80% 1,67 3.325.590 951.253

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3 TRACK RECORD

PERFORMANCE

-28%

0%

28%

55%

83%

110%

138%

0, 1,25 2,5 3,75 5, 6,25

12 686 496 - Actual GDP

3 000 000 - Future GDP

31/Jan/08 - Break Even

31/Dez/13 - Expected Date

PORTFOLIOS PERFORMANCES

POR 03

3 325 590 - Actual GDP

635 791 - Future GDP

31/Jul/11 - Break Even


POR 02


2 616 563 - Future GDP

30/Set/10 - Break Even


POR 01

POR 04


955 253 - Future GDP

31/Jul/10 - Break Even

31/Out/14 - Expected Date

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3 TRACK RECORD

Portfolio 01 & 04

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3 TRACK RECORD

0

4 000 000

8 000 000

12 000 000

16 000 000

20 000 000

1/10/10 1/6/11 1/2/12 1/10/12 1/6/13 1/2/14 1/10/14 1/6/15 1/2/16 1/10/16 1/6/17 1/2/18 1/10/18

- Colectas Acumuladas - POR 04

- AIC - POR 04


- AIC - POR 01

0

2 250 000

4 500 000

6 750 000

9 000 000

1/1/12 1/7/12 1/1/13 1/7/13 1/1/14 1/7/14 1/1/15 1/7/15 1/1/16 1/7/16 1/1/17 1/7/17 1/1/18

3 TRACK RECORD


- AIC - POR 02


- AIC - POR 03

16

Portfolio 02 & 03

Borrower Name

PORTFOLIO REAL ESTATE 1

Real Estate Type

Residential Units

Aquisition Date

30-09-2008

Acquisition Value

850.000

Claim Today

7.964.125 €

# Assets

340

Real Collections

1.452.000 €

GDP Forecast

4.500.000 €

IRR

44%

850 000,00

5 952 000,00

0

1 500 000

3 000 000

4 500 000

6 000 000

7 500 000

AIC GDP

Purchase Price vs GDP

AIC - All in Cost

GDP - Gross Disposition Proceeds

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3 TRACK RECORD

482 000,00

1 026 500,00

0

275 000

550 000

825 000

1 100 000

AIC GDP


Borrower Name


Real Estate Type

Residential Units

Aquisition Date

12-06-2008

Acquisition Value

482.000

Claim Today

1.000.310 €

# Assets

14

Real Collections

1.026.500 €

IRR

46%

AIC - All in Cost


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3 TRACK RECORD

821 000,00

4 610 260,00

0

1 250 000

2 500 000

3 750 000

5 000 000

AIC GDP


Borrower Name


Real Estate Type

Unfinished Building

Aquisition Date

15-06-2009

Acquisition Value

821.000

Claim Today

4.863.253 €

# Assets

27

Real Collections

2.795.000 €

GDP Forecast

1.815.260 €

IRR

51%

AIC - All in Cost


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3 TRACK RECORD

350 000,00

533 100,00

0

150 000

300 000

450 000

600 000

AIC GDP


Borrower Name


Real Estate Type

Unfinished Building

Aquisition Date

22-11-2012

Acquisition Value

350.000

Claim Today

1.256.299 €

# Assets

18

Real Collections

401.500 €

GDP Forecast

131.600 €

IRR

35%

AIC - All in Cost


20

3 TRACK RECORD

72 500,00

330 402,00

0

100 000

200 000

300 000

400 000

AIC GDP


Borrower Name


RealEstate Type

Warehouse

Aquisition Date

01-11-2008

Acquisition Value

72.500

Claim Today

1.657.487 €

# Assets

3

Real Collections

35.402 €

GDP Forecast

295.000 €

IRR

32%

AIC - All in Cost


21

3 TRACK RECORD

Who buys it Portugal and Spain.

What it does Management of loans/assets, Equity management, Legal management,

Document management.

What it is Software with 20 years of know-how.

Where to find it Available online – cloud.

DASD - Distress Asset Score Data

Where it is Avalaible online.

4 IT PLATFORM

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GRUPO DOMUS

Headquarters:

Rua Barão de Sabrosa, nº 286 A, 1900-096 Lisboa

Contacts:

T | 00 351 210 343 100

F | 00 351 210 343 199

[email protected]

23

5 GENERAL INFORMATION

Office:

Rua Marquês da Fronteira nº 8, 1º Esqº 1070-296 Lisboa

mailto:[email protected]?subject=

DOMUS

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