Blender Financial Technologies Ltd. · TASE:BLND
Blender Financial Technologies — Q1 2022 Earnings Presentation
22 slides from Blender Financial Technologies's earnings presentation, Jun 2, 2022
Slide 1: Blender Financial Technologies Ltd. Q1 2022 Summary
Blender Financial The bankers of tomorrow are not bankers at all. Technologies Ltd. The bankers of tomorrow are technologists who enable banking Q1 2022 Summary experiences your customers will use across the digital landscape Brett King, Bank 4.0
Slide 2: Legal Disclaimer
Legal Disclaimer This presentation is a basic presentation of Blender Financial Technologies Ltd. and its subsidiaries (henceforth referred to, together, as "the Company" and/or "Blender" and/or "the Group") and is meant for marketing purposes. It does not constitute a public offering of securities
Slide 3: BLENDER
BLENDER A global Fintech company that provides credit and innovative financing solutions to tens of thousands of customers, customized to meet their preferences and needs 4 83 53K 44M 610M 1B Countries: Employees in Paying Total gross Credit portfolio Total financed Israel, Israel and customers annu
Slide 4: Diverse Consumer Credit Activity
Diverse Consumer Credit Activity Private investors blenderCar (P2P) Institutional Funding Credit blenderPay Facilities Sources Recipients Bank credit blender lines Loan 4 Q1 2022 Summary
Slide 5: A Unique Technological Platform – Fast and Accurate Underwriting
A Unique Technological Platform – Fast and Accurate Underwriting Fast Underwriting Big Data Systems Broad mapping, Credit risk assessment in forecast and manage ~17 seconds* without credit risks of wide prior client engagement ranged information * Minimal time period sources Rating2.0™ A unique cred
Slide 6: Fast and Conservative Underwriting Process
Fast and Conservative Underwriting Process → → → → → Client Automated Client rating Advanced client Collateral Loan approval examination client credit and maximum identification & valuation & in 30 seconds with Blender’s report data loan credit authentication underwriting technological evaluatio
Slide 7: Key Events from the IPO
Key Events from the IPO (January 2021 to February 2022) November 2021 February 2022 January 2021 Agreement singing, 50 million ILS - Bank IPO at the Tel Aviv Stock September 2021 establishing JV company Mizrachi Tefahot Credit Line Exchange with Bank Hapoalim to Extended consumer provide consumer cr
Slide 8: Company Objectives for 2022 (Q1)
Company Objectives for 2022 (Q1) Blender Israel Blender Europe Objective Execution Objective Execution Expansion in auto loans 50M NIS credit line from Bank Expansion Europe 300% increase in lending in industry by raising credit lines Mizrahi, accelerated growth in Europe compared to this auto loans
Slide 9: BlenderPay in partnership with
BlenderPay in partnership with The preferred option for paying in installments for large purchases in Israel Relevant Relevant market share Average yearly market JV owned company by Blender 80% Sector estimate expenditure segmentation and Bank Hapoalim 20% * Prices in ILS Appliances 50% 6,800,000,00
Slide 10: BlenderPay
BlenderPay Immediate Credit at Points of Sale Solution for Simple and safe Substitutes for check Transaction Deployed at about Technology allows purchasing at physical technological and credit payment approved within just 1,876 POS* using payment in extended stores, e-commerce solution for checkout
Slide 11: BlenderCar
BlenderCar The fastest and most accurate option for auto loans in Israel and Europe Transaction Convenient and easy- Wide installment Unique AI-based Wide selection of car authorisation within to-use digital platform spread tailored to (artificial intelligence) dealers operated with just 30 seconds*
Slide 12: Major Growth in Credit Portfolio
Major Growth in Credit Portfolio Europe Credit Portfolio (millions of ILS) Israel Credit Portfolio (millions of ILS) 190* שהועמד סכום Amount extended 184 Amount extended שהועמד סכום 867 אשראי יתרת תיק Credit portfolio balance Credit portfolio balance 797 אשראי יתרת תיק 729 690 137 *
Slide 13: Consistent Double-Digit Growth in Revenue
Consistent Double-Digit Growth in Revenue 33% growth in the Group’s Consolidated revenues compared to Q1 2021 12700 9500 9300 7900 7800 6200 3400 1700 1700 Q1-2020 Q1-2021 Q1-2022 אירופה Europeהכנסות Income ישראל הכנסות Israel Income מאוחד Consolidated Gross revenues NON-GAAP in accordance
Slide 14: Loans Provision Growth
Loans Provision Growth The Group provided 96M ILS of credit during Q1 2022 96,000 70,400 65,100 58,700 49,200 42,500 25,600 6,700 6,400 Q1-2020 Q1-2021 Q1-2022 אירופה Europe ישראל Israel מאוחד Consolidated Israel’s data of loans provided by the Credit Intermediation System Financial Data in NI
Slide 15: Blender Israel
Blender Israel The leading Fintech company offering non-bank financing in Israel Consumer credit by blenderPay Auto Loans Entry to the POS in credit P2P credit secured real Consumer credit partnership brokerage estate credit for all purposes with market 15 Q1 2022 Summary
Slide 16: Blender Israel Growth
Blender Israel Growth Paying Customers Total Credit Portfolio 43,662 421,500 33,278 338,700 25,700 Q1-2020 Q1-2021 Q1-2022 Q1-2021 Q1-2022 Double-digit growth in paying customers Major expansion of Israeli operations in Q1 Israel’s data of loans provided by the Credit Intermediation System Financial
Slide 17: Blender Europe
Blender Europe The Vision: Leading Digital Credit Banking in Europe Consumer credit Operation In the process of Operation at POSs expansion Auto Loans becoming a funding by Real-estate- )blenderPay( through credit pan-European institutional backed credit and all-purpose mergers and digital bank* cre
Slide 18: Blender Europe Operations Growth
Blender Europe Operations Growth Income (Thousand ILS) Credit Portfolio (Thousand ILS) European revenues multiplied compared to 4 times increase in Europe’s Q1-2021 190,700 110,700 3,400 1000 2400 79,300 1700 45,600 Q1-2021 Q1-2022 Q1-2021 Q1-2022 Blender Europe LTL Blender Europe LTL Including LTL
Slide 19: Blender Europe Operations Growth
Blender Europe Operations Growth Paying Customers Loans provided (Thousand ILS) European customers multiplied Leap increase of 400% in European loans during Q1-2022 provision 8,900 2,800 22,900 4,000 3,100 6,600 6,300 Q1-2020 Q1-2021 Q1-2022 Q1-2020 Q1-2021 Q1-2022 Blender Europe LTL Blender Europe
Slide 20: BlenderBank
BlenderBank The future of Blender in Europe, a unique pan-European bank for credit and deposits Digital Bank Auto Loans BNPL Mortgages Operating Specializing in (Buy Now Pay Later) Segments consumer credit Raising Deposits Increased Option to operate Fast Growth Benefits as a cheap and Profitability
Slide 21: Growth Strategy
Growth Strategy • Developing advanced, innovative technology products • Implementing a dedicated platform for digital banking • Maintaining technology leadership for all credit Blender Group products • Raising bonds for growth and strengthening operations • Expansion of auto credit • Expansion of BN
Slide 22: Thank You
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