Slide 1: Exchange filing letter for investor presentation
Date: 9th August, 2024 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.: Investors presentation on the
Slide 2: DiGiSPICE Technologies Limited Q1FY25 Investor Presentation
DIGISPICE TECHNOLOGIES LIMITED Q1FY25 Investor Presentation 1
Slide 3: Table of Contents
1 Executive Summary 2 Spice Money: Key Business Update Spice Money: Movement in GM Table of Contents 3 Contribution Mix 4 Spice Money: Services Update 5 Financial Highlights 2
Slide 4: Executive Summary
Executive Summary Strategic Vision Key Update Q1 FY25 ▪ Consolidate share of core assisted payments ▪ Significant growth in Collections with GTV growing by industry and maintain market leadership. Double down ~31% Y-o-Y. We have been able to hold our AEPS market on operating leverage in core busines
Slide 5: Spice Money Adhikari - Growing Network
Spice Money Adhikari - Growing Network Spice Money Adhikaris (‘000) 1600 1429 1392 1400 1244 1200 1006 1000 800 Spice Money Adhikari 576 600 Geographical Presence Across: 2.44 L villages 400 241 6,475 Blocks 200 0 FY20 FY21 FY22 FY23 FY24 Q1FY25 Strong presence Growing opportunity 4
Slide 6: Spice Money – Key Business Update
Spice Money – Key Business Update Customer Gross Transaction Value (in INR. ‘000 Crs) Spice Money Service Fee Revenue (in INR Crs) 450. 120. 400. 420 427 100. 350. 300. 349 - 6.2% 80. - 6.5% 250. - 0.8% 60. 108 200. 101 -1.1 % 83 150. 194 40. 46 100. 20. 108 102 101 27.3 25.8 25.6 50. 0. 0. FY21 FY2
Slide 7: Spice Money – Movement in GM Contribution Mix
Spice Money – Movement in GM Contribution Mix Q1 FY25 Nature of Contribution to Contribution to Product line Strategic Driver Margins Business GM Q1 FY 25 GM Q1 FY 24 (in INR Crs) AEPS + Micro ATM Key business attracting customer footfall 26.6 64% 67% Remittance Footfall Driver 1.5 4% 4% Transaction
Slide 8: Spice Money – Key Services Update- AEPS
Spice Money – Key Services Update- AEPS Q-o-Q Y-o-Y FY24 vs Industry Metrics Q1 FY25 Q4 FY24 Q1 FY24 FY24 FY23 Industry Change % Change % FY23 Industry GTV (Off- Us)(In INR Crs.) 71,732 71,198 82,413 3,14,000 3,33,620 0.8% -13.0% -5.9% • There have been major ecosystem changes w.r.t to SM GTV (In IN
Slide 9: Spice Money – Key Services Update- CMS
Spice Money – Key Services Update- CMS CMS GTV (in INR. Crs) • No. of Large CMS SMAs who have >30 Lacs GTV/Quarter has increased by more than 19% Y-o- Y. The business contributed by them has also 30000 27,682 Increased by 35% Y-o-Y. 25000 31.2% • Large CMS SMAs contribute to over 90% of the total 20
Slide 10: Spice Money – Key Services Update- BBPS
Spice Money – Key Services Update- BBPS Bill Payment GTV (in INR Crs) • Loan Repayment- EMI main driver for BBPS Growth. 4500 • BBPS collection centres are deeper in rural areas & 4000 4,190 smaller in size as compared to CMS. Hence, gradual shift 3500 1,030 of CMS customers towards BBPS, which is h
Slide 11: Spice Money – Key Services Update- CASA (Lifetime)
Spice Money – Key Services Update- CASA (Lifetime) Total Saving Accounts Total Current Accounts Total Float (in INR Crs) SMAs opened 5+ accounts 422,248 32,274 2.1x 124 125.3 2x 18,579 1% 17 % 2.4x 26% 3x 27,360 15,927 336,177 18% 60 9,567 176,018 10,679 Q1FY24 Q4FY24 Q1FY25 Q1FY24 Q4FY24 Q1FY25 Q1F
Slide 12: Spice Money – Key Services Update- Credit
Spice Money – Key Services Update- Credit No. of Adhikari & Grahak Loans (‘000) Value of Adhikari & Grahak Loans (in INR Crs) Adhikari Loan Grahak Loan (Majorly Secured Loan) Adhikari Loan Grahak Loan (Majorly Secured Loan) 70 102 19.0 34.0 84.1% 51.0 4.3 2.3 51.3% 1.7 68.0 4.2 29.2 16.0 11.5 41.0 1
Slide 13: Spice Money – Financial Highlights
Spice Money – Financial Highlights FY20-FY23 Growth Growth Growth Particulars (Rs. Crs) FY20 FY21 FY22 FY23 FY24 Q1FY24 Q4FY24 Q1FY25 CAGR Y-oY Q-o-Q Y-o-Y Customer GTV (A) 22,155 46,178 83,513 100,602 107,818 49% 7% 27,321 25,801 25,613 -1% -6% Revenue 116 221 366 432 439 111 106 110 - Service Fees
Slide 14: Consolidated – Financial Highlights
Consolidated – Financial Highlights • During Q4FY24, subsidiary of the Company has invested an additional amount of Rs. 0.35 Crs via right issue in DigiAsia Bios Pte. Ltd. The fair value of investment as at 31 March 2024 is determined based on the right issue price. The original investment of Rs. 17
Slide 15: Discontinued operations Summary
Discontinued operations Summary Particulars (Rs. Crs) Q1FY24 Q2FY24 Q3FY24 Q4FY24 Q1FY25 FY24 Total Income 11.5 12.7 6.2 9.9 0.0 40.2 Total Expenses 12.9 19.3 11.3 12.8 3.6 56.3 -Direct Cost 6.3 9.7 8.1 7.4 - 31.3 -Indirect Cost 6.1 8.5 2.1 4.2 3.6 20.9 -Depreciation 0.4 1.4 1.2 1.1 0.1 4.1 Operatin
Slide 16: Thank You
Thank You For further queries please contact: Sanjyot Baviskar Adfactors PR +91 8879 269 297 sanjyot.baviskar@adfactorspr.com 15