MoneyBoxx Finance Ltd. · NSE:MONEYBOXX
MoneyBoxx Finance — H1 FY2023 Earnings Presentation
18 slides from MoneyBoxx Finance's earnings presentation, Nov 12, 2022
Slide 1: Cover letter to BSE: Investor Presentation Q2
=\ A MONEYBOXX FINANCE LIMITED ' » in @ M O N EYB Ox X (Formerly Dhanuka Commercial Limited) Eye CIN - L30007DL 1994PLC260191 Redg.Off.:523-A,Somdutt Chambers-ll, 9,Bhikaji Cama Place,New Delhi-110066, India Ph no.:011-45657452 E-mail:info@moneyboxxfinance.com www.moneyboxxfinance.com To, Dated: Nov
Slide 2: Board Meeting Financial Results: H1 FY23
MONEYBOXX FINANCE LIMITED Transforming Lives of Microentrepreneurs Board Meeting Financial Results: H1 FY23 ending September 30, 2022 12 November 2022 i MONEYBOXX
Slide 3: Disclaimer
Disclaimer This document may contain certain forward-looking statements. These statements include descriptions regarding the intent, belief or current expectations of the Company or its directors and officers with respect to the results of operations and financial condition of the Company. Such forw
Slide 4: Agenda
Agenda Highlights of H1 FY23 @) About the Company Business Performance Financial Position Moneyboxx Finance Limited — Disbursements — Improving productivity, Improving Funding profile new branches, launch of Secured products > Diversification of funding sources and co-lending to drive growth > Fast-
Slide 5: Who we are - Moneyboxx Finance Limited
Who we are —- Moneyboxx Finance Limited Fast-growing, tech-driven, BSE-listed NBFC © Small business loans of = 100k-700k in Tier-3 and below towns @ Started in Feb’19, operating in 5 states with 47 branches (Oct’22) @ Transformed lives of over 20k households, 45% women, 38% NTC @ Cum. disbursements
Slide 6: Journey so far - Robust systems & processes ensured success despite COVID
Journey so far — Robust systems & processes ensured success despite COVID o Successfully scaled up operations in a span of three years We today are... A SN — 0.0 \ 7 47 branches CO 20k+ live customers @ Ge ae Q Te Q 550+ employees = 190 crores AUM # Z %320 crores ©)Ss oo 22 lenders ©) disbursements
Slide 7: Proven & scalable business model
Proven & scalable business model o Branches Cumulative Disbursements INR crore AUM INR crore 172.68 45 297 120.99 132.25 232 30 31 202 22 63.25 90 29.92 Mar-20 = Mar-21 Mar-22 Jun-22 Sep-22 Mar-20 = Mar-21 Mar-22 Jun-22 Sep-22 Mar-20 Mar-21 Mar-22 Jun-22 Sep-22 MOwned Co Lending AUM 2 crore Closing
Slide 8: Business expected to grow strongly with improving productivity
Business expected to grow strongly with improving O productivity, launch of secured product, new branches and improved liquidity with co-lending Q2 FY23 - Strong disbursement Quarterly 64.59 growth in Q2 post successful Cumulative . p completion p p of ILMS migration Disbursements 297.00 Disbursemen
Slide 9: Diversified AUM across sectors and geographies
Diversified AUM across sectors and geographies Focus on essential sectors provide stability Oo 4 Geographic diversification lends stability Improved geographic diversification with no mw A single state accounting for more than ~30% of AUM Vv AUM by Sectors (INR crores) # Livestock & Kirana 172.68 AU
Slide 10: Moneyboxx has a proven business model to execute MFI+ Loans
Moneyboxx has a proven business model to execute MFI+ Loans Oo Competitive advantages of MONEYBOXX Proven underwriting capabilities amidst challenging environment ttt Y Very Low NPAs 0.89% Cc On-ground presence Solid understanding of local economies and sectors; IZ] Strong collection mechanism 0.20%
Slide 11: Growing network of Partners - Continuous Validation by leading lenders
Growing network of Partners — Continuous Validation by leading lenders Funding from SBI, IDFC First Bank & DCB Bank is a strong validation of business model Oo = 50 crore TL sanction from SBI recently will change borrowing landscape Existing Lenders Cum. Equity Capital Raised = 69 crore SB ) Equity
Slide 12: H1 FY23: Results at a glance
H1 FY23: Results at a glance 95% income growth over last year driven by branch expansion & improving productivity > = e eriod endin 30-Sep-22 30-Jun-22 30-Sep-21 erations ranches (period end 45 31 22 ranches (period avg. 41 30.3 22 eadcount 502 392 247 usiness (% crore isbursements UM # Financials (
Slide 13: H1 FY23: Ratios at a glance
H1 FY23: Ratios at a glance oO ~Robust asset quality & strong capitalization Key Ratios 31-Mar-22 30-Sep-22 Asset Quality Gross NPA (90+ PAR % of total AUM) 0.62% 0.69% Net NPA (90+ PAR % of total AUM) 0.31% 0.35% Capital Adequacy Tier1 Capital 25.95% 34.33% Tier 2 Capital 4.64% 3.05% Total Capital
Slide 14: Income Statement
Income Statement Oo Income Statement (INR crore) Q2 FY23 QIFY23 Q2FY22 % YOY H1 FY23 H1FY22 % YOY Period ending 30-Sep-22 30-Jun-22 30-Sep-21 30-Sep-22 30-Sep-21 (a) Interest Income 9.94 8.35 4.52 120% 19% 18.29 8.72 110% (b) Sale of Services 0.22 0.12 0.06 254% 12% 0.34 0.11 221% Income from Operat
Slide 15: Summary Balance Sheet
Summary Balance Sheet oO AAUM (INR crore) 31-Mar-22 30-Sep-22 Change Own Loan Book 119.05 140.36 21.31 Managed (Co-lending) - 29.18 29.18 Total AUM 119.05 169.53 50.48 Balance Sheet (INR crore) 31-Mar-22 30-Sep-22 Change Equity 34.5 53.8 19.3 Debt 97.5 119.8 22.3 Lease Liabilities 1.4 2.1 0.7) Other
Slide 16: Detailed Balance Sheet
Detailed Balance Sheet oO Balance Sheet (INR crore) 31-Mar-22 30-Sep-22 Change Cash and cash equivalents 7.88 21.73 13.85 Loans 119.15 140.51 21.36 Other financial assets 2.60 2.91 0.31 Financial Assets 129.63 165.15 35.52 Current assets (net) 2.27 3.80 1.53 Deferred tax assets 3.62 5.60 1.98 Proper
Slide 17: H1 FY23 - Other Important Updates
H1 FY23 — Other Important Updates Diversification of funding = sources and lowering of Other Updates funding cost Co-lending: Monthly commitment of INR 25 Warrants issue of = 13.45 crore to Promoters Secured lending: Launch of quasi-secured crores (20 Cr Vivriti Capital, 5 Cr MAS Financial). in Sep’
Slide 18: Thank You
THANK YOU Corporate Office Address Moneyboxx Finance Ltd, 2°? Floor, Vatika Business Centre, First India Place, M.G. Road, Gurgaon — 122002, Haryana Moneyboxx Finance Ltd, 906A, Kanakia Wallstreet, Chakala, Andheri Kurla Rd, Andheri (East), Mumbai - 400 093 deepakaggarwal@moneyboxxfinance.com [| www