Credit Corp Group Limited · ASX:CCP
Credit — Shareholder Meeting (November 2005)
29 slides from Credit's shareholder meeting presentation, Nov 8, 2005
Slide 1: Slide 1
Slide 2: Christopher Deane, Chairman
Christopher Deane Chairman | Credit Corp Group
Slide 3: Credit Corp Group
Credit Corp Group
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Slide 8: Performance Overview
Performance Overview _ Geoffrey Lucas Managing Director | Credit Corp Group
Slide 9: Vision & Mission
Vision & Mission OUR VISION To be partner of choice to the premier Australian financial institutions for Receivables Management Services, and for our people and culture to be the aspiration of those with whom we deal. MISSION STATEMENT Credit Corp continuously strives to meet the needs of our custom
Slide 10: P&L and Financial Performance
P&L 2004 2005 Growth Revenue $27.7M $50.34M 82% EBITDA $16.5M $32.6M 98% Pre Tax Earnings $7.8M $44.7M 52% Net Profit After Tax $5.35M $8.17M 53% Earnings Per Share 14.89¢ 21.38 ¢ 44% Dividend Per Share 7.45c 10.75¢ 44% 10% 60% % of Revenue os a 50% eaten atl — 40% 30% a 20% 10% o% 2002 2003 2004 20
Slide 11: Financial Position
Financial Position — Statement of Financial Position Balance Sheet Trend 2005 = 2004 $million $million % Change $000's Current Assets 20.59 16.13 28% Non Current Assets 39.24 26.90 Ab% TOTAL ASSETS 59.82 43.03 39% 70,000 Current Liabilities 7.38 4.85 52% 60,000 Non Current Liabilities 26.13 17.23 52
Slide 12: Expenditure Control
Expenditure Control | Expenses % Revenue - 2005 Other, 2% _ Borrowing, 3% Collection, 10% Employee, Office, 4% 19% Deprec & Amort, 38% Expenses % Revenue - 2004 Borrow ing, Other, 2% 3% Collection, 13% Expenses Composition - 2005 Borrow ing, 9 Collection, Other, 2% Employee, Office, 6% CB ‘Amortisat
Slide 13: Our People
Our People FUNCTION 2004 2005 EXECUTIVE 2 2 0% 2 MANAGEMENT 7 10 43% 10 F&A, IT, ANALYTICS, COMPLIANCE 9 14 56% 14 LEGAL 3 7 133% 8 MERCANTILE 30 39 30% 31 DEBT PURCHASE 39 80 105% 118 PROCESS SERVICE 15 22 47% 19 TOTAL 105 174 66% 202 Credit Corp Group
Slide 14: FY06 Strategy Focus
FY06 Strategy Focus te Ledger investments approx $45m « Continue to identify commercially prudent opportunities te Ensure that infrastructure meets the demands of growth ae Continue to protect our business partners’ brand in the market « Continuous review and improvement mandate throughout the enter
Slide 15: FY06 Strategy Focus - Infrastructure
FY06 Strategy Focus - Infrastructure 4 private network & advanced communications technology = seamless expansion for multi site labour centres «Higher quality PDLs require high quality resources to maximise the returns extracted from the asset *BPO model does not currently suit our Asset Management
Slide 16: FY06 Strategy - People & Process
FY06 Strategy — People & Process CCP has stringent criteria for acquisition of Debt Portfolios which are the main driver for funding requirements a. “We recognise our people are our most important asset Investing in proprietary psychometric testing model to screen out inappropriate candidates *We co
Slide 17: FY06 Strategy Focus - Market
~ FY06 Strategy Focus - Market «We aim to be the business partner of choice for the premier financial institutions -Our focus is on ensuring we protect the valuable brands of our business partners «Forward flow transactions enable better planning and stability for both debt vendor & debt purchaser C
Slide 18: FY06 Guidance / CAGR 50%
FY06 Guidance / CAGR 25 50% 2005 2006 a 25% Actuals Guidance a 40% 35% Revenue $50.34M $70- $75 M 39% - 49% 30% 25% EBITDA $32.6M $45 - $48 M 38%- 47% 20% Pre Tax $11.7M $15.5-$17M 32% - 45% we Earnings ° 5% NPAT $8.17M $11.5- $12.5 M 41% - 53% 0 + 0% FYO1 Fy02 FYO3 FY04 FYOS omen Earnings per share
Slide 19: Ordinary Business
Ordinary Business | Christopher Deane Chairman Credit Corp Group
Slide 20: Ordinary Business
Ordinary Business | Credit Corp Group
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Slide 22: Business
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Credit Corp Group — Shareholder Meeting (November 2005) on 6ix