Slide 1: Exchange letter on updated investor presentation
Date: August 01, 2023 BSE Limited National Stock Exchange of India Limited Phiroze Jeejeebhoy Towers, Exchange Plaza, Plot No. C/1, G Block Dalal Street, Mumbai – 400 001 Bandra – Kurla Complex, Bandra (E) Scrip Code: 517214 Mumbai – 400 051 Scrip Code: DIGISPICE Sub.: Link for updated investors pre
Slide 2: Q1FY24 Investor Presentation
Q1FY24 Investor Presentation 1
Slide 3: Disclaimer
Disclaimer This presentation has been prepared by DiGiSPICE Technologies Limited (the “Company”) solely for your information and may not be distributed, reproduced, or redistributed or passed on directly or indirectly to any other person, whether within or outside your organization or firm, or publi
Slide 4: Glossary of Terms
Glossary of Terms Terms Used Meaning AePS Aadhaar-enabled Payment System Adhikari Adhikari is a nomenclature used to address the merchants/entrepreneurs who work on Spice Money platform BBPS Bharat Bill Payment System m-ATM Refers to mini ATM or Mobile ATM. A service that enables customers to withdr
Slide 5: Table of Contents
1 Spice Money: Business Model 2 Spice Money: Key Business Update Table of Contents 3 Spice Money: Services Update 4 Spice Money: Financial Highlights 5 Consolidated Financial Highlights 4
Slide 6: Building on digital stacks to solve for lack of access in Rural India
Building on digital stacks to solve for lack of access in Rural India Internet penetration in Internet ONDC Rural : 336 million users Democratizing commerce 46 crore Jan Dhan Bank Current Emerging JAM Accounts, 130 cr Aadhaar penetration Digital Digital Democratizing credit OCEN Democratizing bankin
Slide 7: Current Business Model: Enabling banking in deep rural
Current Business Model : Enabling banking in deep rural Entrepreneurs empowered by Service Partners Spice Money Adhikari App Rural Consumers Banks Cash Withdrawal (Aadhaar) Migrant Workers NPCI Ticket Booking Services Core NBFCs Money Transfer Govt Insurance Cos Insurance Employees Other Payment Par
Slide 8: Building the Super App for Bharat
Building the Super App for Bharat Core Business Lines New Business Lines • m-ATM • CASA • Digital payments • Cash • Cash Deposit • CRM Basic Entrepreneur Withdrawal • Balance Enquiry • Khata Banking Solutions • Remittance Healthcare • E-Pharmacy Services • Digital Payment Payment/ • Diagnostics • Bi
Slide 9: Spice Money Adhikari - Growing Network
Spice Money Adhikari - Growing Network Spice Money Adhikaris (‘000) 1400 1200 1000 1,244 800 1,006 600 Spice Money Adhikari Geographical Presence Across: 400 576 2.37 L villages 6,467 Blocks 200 241 0 FY20 FY21 FY22 FY23 Strong presence Growing opportunity 8
Slide 10: Spice Money – Key Business Update
Spice Money – Key Business Update Customer Gross Transaction Value (INR. ‘000 Cr) Spice Money Service Fee Revenue (INR Cr) 100. 400. 300. 6% 3% 7% 50. 101 200. 401 83 341 5% 46 100. 190 25.8 25.5 27.3 103 101 106 0. 0. FY21 FY22 FY23 Q1FY23 Q4FY23 Q1FY24 FY21 FY22 FY23 Q1FY23 Q4FY23 Q1FY24 Spice Mon
Slide 11: Portfolio Diversification - Cash-out to Multi-product business
Portfolio Diversification - Cash-out to Multi-product business 0.8 , 2% Q1FY23 Service Fee 2.4 , 6% Q1FY24 Service Fee GM: ₹37.7 Cr 0.6 , 1% GM: ₹39.3 Cr 0.5 , 1% 2.0 , 6% 2.4 , 6% 0.4 , 1% Collections, 3.4 , 9% Cash In/Out Collections, 5.8 , Collections 15% Banking Cash In/ Out, Cash In/Out, Credit
Slide 12: Spice Money – Key Services Update- AEPS
Spice Money – Key Services Update- AEPS AePS GTV (INR. ‘000 Cr) AePS Market share 400 57 16.4% 17.2% 17.45% 20.0% 60 49 300 57 50 13.7% 49 15.0% 40 200 11.8% 31 31 (5)% 30 3% 251 276 10.0% 100 14 195 20 15.3 14.1 14.5 14.5 104 68 10 - 5.0% 0 FY20 FY21 FY22 FY23 Q1FY24 FY21 FY22 FY23 Q1FY23 Q4FY23 Q1
Slide 13: Spice Money – Key Services Update- Collections
Spice Money – Key Services Update- Collections CMS GTV (INR. Cr) Bill Payment GTV (INR. Cr) 20000 18,026 2500 2,210 15000 2000 885 174% 10,835 56% 1500 17% 10000 18% 909 871 1000 746 6,042 5,129 419 1325 319 223 5000 3,880 213 500 789 193 419 533 648 411 0 126 0 FY21 FY22 FY23 Q1FY23 Q4FY23 Q1FY24 F
Slide 14: Spice Money – Key Services Update- CASA
Spice Money – Key Services Update- CASA New Saving Accounts New Current Accounts Float (INR CR) 60000 10000 60 55 57062 7459 44 40 54879 55000 5000 3017 20 50000 0 0 Q4FY23 Q1FY24 Q4FY23 Q1FY24 Q4FY23 Q1FY24 • CASA live with 26K+ Adhikaris (2% of total Adhikari base) • CASA launch with leading payme
Slide 15: Spice Money – Key Services Update- Credit
Spice Money – Key Services Update- Credit No of Adhikari & Grahak Loans Value of Adhikari & Grahak Loans (INR Cr) 14,000 11,258 13,256 25.00 21.94 19.26 1,483 2.11 12,000 36 0.41 20.00 10,000 15.00 8,000 6,000 11,222 11,773 10.00 19.83 18.85 4,000 10.96 5.00 2,000 1,397 0 - Q1FY23 Q4FY23 Q1FY24 Q1FY
Slide 16: Spice Money – Financial Highlights
Spice Money – Financial Highlights FY20-FY23 Growth Growth Growth Particulars (Rs. Crs) FY20 FY21 FY22 FY23 Q1FY23 Q4FY23 Q1FY24 CAGR Y-oY Q-o-Q Y-o-Y Customer GTV (A) 22,155 46,178 83,513 100,602 66% 20% 25,764 25,505 27,321 7% 6% Revenue 250 578 858 949 251 228 234 - Service Fees (B) 98 190 341 40
Slide 17: Consolidated Financials Summary
Consolidated Financials Summary Growth Growth Comments Particulars (Rs. Crs) FY23 Q1FY23 Q4FY23 Q1FY24 Q-o-Q Y-o-Y 1. Revenue 949 251 228 234 The Board of directors of DiGiSpice Technologies a.) Spice Money 949 251 228 234 2% -7% Limited, in its meeting held on 7th April 2023 has b.) Others - - - -
Slide 18: Discontinued operations Summary
Discontinued operations Summary Particulars (Rs. Crs) FY23 Q1FY23 Q4FY23 Q1FY24 Total Income 67 13 30 11 Total Expenses 87 18 26 13 Operating profit -21 -6 4 -1 Exceptional Item* 0 0 0 6 Profit/(loss) before tax during the periods -21 -6 4 -8 Tax Expense** 4 0 2 14 Profit/(loss) after tax during the
Slide 19: Thank You
Thank You For further queries please contact: Aashvi Shah Adfactors PR +91 98210 43389 Aashvi.shah@adfactorspr.com 18