Funding capital fully deployed to mixed quality portfolio, typically higher NPL

Manual credit process limits scalability and quality of overall portfolio

Significant amount of resource dedicated to customer onboarding, underwriting, collections and portfolio risk management

Zoral Al re-scores, re-calibrate and refines Financial Institution existing portfolio with Al, OCR and intelligent automation.

Zoral Automation enhances efficiency by minimising manual work.

Initial portfolio volume declines as focus shifts to curating a more profitable, higher-quality book.

However, lower volume unlocks excesscapital, which can be redeployed into new, higher-margin products

Zoral credit assessmentapability improves portfolio quality and reduces NPL, boosting profitability.

New LendingStrategy with Zoral financialproducts Redirect excess funding capacity to launch smart financing and high growth, complimentary financial products using Al and fOS. These new products generate higher margins, enable better credit model tuning, and unlock strong cross sell potential.

While lower quality assets are excluded, this is offset by greater lending volumes driven by efficient, wider customer access, high growth, smart financial products.

Combined with the Al-optimised portfolio, this drives stronger quality, profitability, and scalable growth.

Zoral automation boosts efficiency and enables faster product rollout, while greater customer access fuels higher volume expansion.