Digispice Technologies Ltd. · NSE:DIGISPICE
Digispice Technologies — Shareholder Meeting (September 2024)
12 slides from Digispice Technologies's shareholder meeting presentation, Sep 28, 2024
Slide 1: Bridging the Financial Gap in Rural India
Brid g ing the Fina nc ia l Ga p in Rura l Ind ia 36 th An n u a l Ge n e ra l Me e tin g 28 th Se p te m b e r 20 24
Slide 2: Spice Money – Solving Banking for masses in Emerging India
Sp ic e Money – Solv in g Ba n k in g for m a sses in Em erg in g In d ia Nanoprenuers empowered by Services and Consumers in Services Partners Spice Money Adhikari App Emerging India Migrant Cash Withdrawal Workers Banks Cash Deposit Govt NPCI Remittances Employees NBFCs Savings Accounts Investment
Slide 3: Bharat Consumer overview
Bh a ra t Con su m er ov erv iew ( Our TG a nd foc us on Bha ra t Consum er) Pa rtic ula rs Ind ia A Ind ia B Ind ia C Ind ia D Size of Ad ult Pop ula tion ~150 Mn ~150 Mn ~450 Mn ~150 Mn Tend enc y Co nsum er c la ss- Knowled g e Sup p ort c la ss – Shop - owners, La b our c la ss- Sea sona l or De
Slide 4: Our Right to Play - Deep Network Presence
Our Rig ht to Pla y- Deep Net w ork Presen c e Rob ust, relia b le on- g round network p a n Ind ia GTV from FY24, with 49% 55% CAGR over FY20 1 2 CAGR over FY20 1.39 Mn 1,07,818 Cr. Na n op ren u ers Cu st om er ( Ad h ik a ris) GTV 6,4 71 Presen t Strong p resenc e in Bloc k s Asset a cross Deep p
Slide 5: Our Growth Engine – Products and Personalization
Ou r Gro wth En g in e – Prod u c t s a n d Person a liza t ion Prod u c t Exp a n sion roa d m a p Ra p id Sc a le up & Ro a d Bu ild in g th e n e tw o rk Ah e a d Products Ba n kin g a n d fin a n c ia l d ive rs ific a tio n Da ta e n a b lin g p ro d u c t s e rvic e s b e in g m a d e in n o v
Slide 6: Our Strategic Bets – Credit and PPI (UPI)
Our Stra teg ic Bets – Cred it a n d PPI ( UPI) Ac c ou n t Ba n kin g Pro d u c ts Sp ic e PPI ( UPI) Ac c o u n t Cash Payments, Remittances, ATM services & Collections C re d it Pro d u c ts Own Le n d in g * ( Le n d in g to m e rc h a n ts & c u s to m e rs ) Bu ild Re a c h a n d Ne two rk & d
Slide 7: Spice Money – Our Key Operating Metrics
Spice Money – Our Key Operating Metrics Spice Money Nanoprenuers/ Merchants (‘000) 1400 CAGR 55% 1392 1200 1244 1000 800 1006 600 400 576 200 241 0 FY20 FY21 FY22 FY23 FY24 Gross Transaction Value (INR. ‘000 Cr) Spice Money Revenue Breakup* (INR. Cr) Customer GTV Entrepreneur GTV Service Fee Revenue
Slide 8: Spice Money – Our Key Services Update
Spice Money – Our Key Services Update ATM GTV & Market Share Remittances GTV (INR. Cr) ATM & REMITTANCES AEPS GTV ('000 Crs) MATM GTV ('000 Crs) AEPS Market Share % CAGR 4% 8 6,330 80 5,977 CAGR 42% 17.1% 17.3% 5,374 70 16.4% 20.0% 4,670 4,634 60 13 13 13.7% 13 50 15.0% 40 11.8% 9 30 57 54 49 10.0%
Slide 9: Spice Money – Our Emerging Services
Spice Money – Our Emerging Services Total Accounts (Lifetime) Merchants opened 5+ Accounts No. of Merchant & Consumer Loans (‘000) Value of Merchant & Consumer Loans (INR Cr) 80 120 27,36 0 70 100 60 19 80 34 50 15,92 40 60 7,459 336,177 7 30 51 40 20 68 7,035 119,393 10 20 41 16 - - FY23 FY24 FY23
Slide 10: Spice Money – Financial Highlights
Spice Money – Financial Highlights FY20-FY24 Growth Particulars (Rs. Crs) FY20 FY21 FY22 FY23 FY24 CAGR Y-o-Y Customer GTV (A) 22,155 46,178 83,513 100,602 107,818 49% 7% Revenue * 115.7 220.7 365.9 431.5 439.4 - Service Fees (B) 100.4 194.1 348.6 409.7 427.2 44% 4% - Acquisition and Devices 15.3 26
Slide 11: DiGiSPICE Technologies – Consolidated Financials Summary
DiGiSPICE Technologies – Consolidated Financials Summary 12 months ended Growth Particulars (Rs. Crs) FY23 FY24 Y-oY 1. Revenue 431.5 439.4 a.) Spice Money 431.5 439.4 2% b.) Others 0.0 0.0 2. Gross Margin 164.8 169.3 a.) Spice Money 164.8 169.3 3% b.) Others 0.0 0.0 3. Indirect Costs 161.7 155.1 a.
Slide 12: Think Rural, Think Spice Money
Th in k Ru ra l, Th in k Sp ic e Mon ey w w w .sp ic em on ey .c om 12
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