E-finance For Digital And Financial Investments S.a.e. · EGX:EFIH
E-finance For Digital And Financial Investments S.a.e — e-finance for Digital and Financial Investments — Investor Presentation (April 2025)
34 slides from E-finance For Digital And Financial Investments S.a.e's investor presentation, April 2025
Slide 1: Investor Presentation April 2025
Investor Presentation April 2025 E-Finance // Investor Presentation 1
Slide 2: Introduction
Introduction e-finance is a leading fintech focused investment management firm in Egypt
Slide 3: Egypt's Pioneer and Accelerator of Digital Transformation
Egypt’s Pioneer and Accelerator of Digital Transformation e-finance has established the building blocks for Egypt’s digital transformation and is the country’s national technology champion Through its portfolio companies and investments in key sectors Creating value by investing Driving Egypt’s digi
Slide 4: Well-Positioned to Capture Opportunities and More than Double its Bottom-Line Over Three Years
Well-Positioned to Capture Opportunities, Drive Growth, and More than Double its Bottom-Line Over Three Years The Group’s deeply rooted presence in the digital payments space coupled with its diversified business model has left it ideally positioned to capture multiple opportunities that will contin
Slide 5: Ambitious Growth Driven By a Five-pronged Strategy
Ambitious Growth Driven By a Five-pronged Strategy Building blocks to achieve outstanding performance The Group’s strategic pillars are fueled by an underlying investment strategy that is tailored towards injecting capital into key areas that will deliver on the Group’s ambitious growth targets Focu
Slide 6: Supported by Attractive Market Fundamentals
Supported by Attractive Market Fundamentals The Egyptian market holds great untapped potential across multiple industries inline with the country’s Vision 2030 to become a cashless society Egypt Mobile Egypt Cards & Egypt Cloud Hosting Egypt E-commerce Non-Banking Financial Payments Market Payments
Slide 7: Company Overview
Company Overview A diversified portfolio of subsidiaries and investments offering a vast array of complementary digital services E-Finance // Investor Presentation 7
Slide 8: Corporate Evolution and Path to Institutionalization
Corporate Evolution and Path to Institutionalization 2005 - 2010 2011 - 2018 2016 - 2018 2019 - 2021 2021 - Present Development & Restructuring and IPO Launch Phase Post-IPO Phase Expansion Phase readiness 2005: 2012 2019 2021 • Established • Introduced Corporate Payment • e-finance selected as part
Slide 9: Group Overview | A Comprehensive Service Offering
Group Overview | A Comprehensive Service Offering e-finance Portfolio Companies e-finance Investments Digital Operations Smart Solutions Taxation Insurance Customs Utilities efinance’s flagship Egypt’s leading Developing and operating Developing and operating a Offering a one stop shop Providing ele
Slide 10: Competitive Edge | Access to Data and Government Exclusivity
Competitive Edge | Access to Data and Government Exclusivity Leveraging an expansive database to enhance service offering As the government’s exclusive partner for Egypt’s digital transformation, the Group has been able to leverage its advanced tech infrastructure to amass a large pool of data A Vas
Slide 11: Business Overview
Business Overview Well-positioned to continue delivering on our strategy E-Finance // Investor Presentation 11
Slide 12: e-finance's Purpose and Core Values
e-finance’s Purpose and Core Values Investing in Key Enhancing Constantly working on Underserved Identifying key sectors that Customer developing more convenient Sectors are underserved and Convenience methods for customer investing in their complete transactions through transformation and developin
Slide 13: With a Focus on Penetrating Underserved and More Lucrative Revenue Streams
With a Focus on Penetrating Underserved and More Lucrative Revenue Streams The Group is focusing on increasing the contribution of three lines of business that have proven to be key for sustainable long- term growth. e-finance is also focused on investing in underserved sectors such as tourism, taxa
Slide 14: Sector Update
Sector Update e-finance has grown to pioneer Egypt’s comprehensive digital transformation efforts across an unmatched range of economic sectors. E-Finance // Investor Presentation 14
Slide 15: Egypt's Digital Transformation
Egypt’s Digital Transformation As part of Egypt 2030 Vision, the Egyptian government has embarked on building Digital Egypt, an all-encompassing vision and plan, laying the foundations for the transformation of Egypt into a digital society ICT Sector: Instant Payments Network: • Fastest-Growing Sect
Slide 16: Egypt's Digital Transformation
Egypt’s Digital Transformation e-finance has positioned itself at the forefront of Egypt’s comprehensive digital transformation efforts, with a number of potential growth avenues and highly diversified revenue generation model, with exposure to various dynamic sectors of Egypt’s digital economy Buil
Slide 17: Key Markets & Platforms
Key Markets & Platforms Unpacking the drivers of our future growth and identifying the opportunities that will enable us to achieve our targets E-Finance // Investor Presentation 17
Slide 18: Expanding Presence in Egypt's Thriving Tourism Space
Expanding Presence in Egypt’s Thriving Tourism Space As one of the most visited countries in the MENA region, tourism is vital to Egypt’s ability to generate foreign currency and e-finance has been mandated to a play key role in supporting the growth of the sector Opportunities in Egypt’s Tourism Se
Slide 19: Expanding presence in Egypt's thriving tourism space
Expanding presence in Egypt’s thriving tourism space The Group is eager on implementing tech-driven solutions to elevate how tourists interact with and access Egypt’s historic sites What has e-finance done? 112 10% E-Ticketing Touristic Sites Tourism Booking Revenue Contribution Develop e-ticketing
Slide 20: Capitalizing on an Underpenetrated Agriculture Sector
Capitalizing on an Underpenetrated Agriculture Sector Investing in developing the agricultural sector has been a main priority for the Egyptian government for a number of years due to its importance to the Egyptian economy The sector is a main source of employment within A significant contributor to
Slide 21: Capitalizing on an Underpenetrated Agriculture Sector
Capitalizing on an Underpenetrated Agriculture Sector e-finance, in a joint cooperation between the Ministry of Agriculture and Land Reclamation, is now operating and managing a digital agricultural network (AgriNet) that’s transforming Egypt’s agriculture sector. e-finance’s investments in the With
Slide 22: Fueling Digitization for Government Payments and Collection
Fueling Digitization for Government Payments and Collection Capturing an increased share of government transactions e-finance’s unique positioning as the premier government partner for transaction processing has allowed it seamlessly process billions of transactions annually and leverage several fix
Slide 23: Fueling Digitization for Government Payments and Collection
Fueling Digitization for Government Payments and Collection Transaction revenue As the Egyptian government’s exclusive POS partner, transaction revenue continues to be a lucrative revenue stream for e-finance. Revenue is derived from variable fee transactions, which are based on a take rate on the v
Slide 24: Digitizing Egypt's transportation sector
Digitizing Egypt’s transportation sector Over the past decade, the state has embarked on an extensive plan to develop and modernize transport infrastructure in a bid to facilitate logistic services across the country and leverage its strategic location that intersects with many international trade r
Slide 25: Digitizing Egypt's transportation sector
Digitizing Egypt’s transportation sector e-finance has been mandated to support Egypt’s push to digitize payments in the transportation sector What has e-finance done? e-finance is well positioned to The 4 stations contribute c. expand its e-gates solution Digitized the 4 largest railway 50-60% of E
Slide 26: Financial Highlights
Financial Highlights A solid track record of delivering stellar results E-Finance // Investor Presentation 26
Slide 27: Financial Highlights
Financial Highlights Historical Performance Revenue (EGP mn) Gross Profit (EGP mn) 600 0 500 0 400 0 300 0 5,210 2,787 200 0 3,899 2,141 2,644 1,365 100 0 1,232 1,963 596 923 0 984 440 2019 2020 2021 2022 2023 2024 2019 2020 2021 2022 2023 2024 EBITDA, Margin (EGP mn, %) Net Profit, Margin (EGP mn,
Slide 28: Financial Highlights
Financial Highlights Historical Performance Variable-fee Transaction Fixed-fee Transaction Revenue Revenue (EGP mn) (EGP mn) 140 0 600 120 0 500 100 0 400 800 565 300 600 1,195 443 511 400 840 200 309 382 354 200 64 153 495 100 0 226 0 2019 2020 2021 2022 2023 2024 2019 2020 2021 2022 2023 2024 EBIT
Slide 29: Financial Highlights
Financial Highlights Summary Income Statement (EGP mn) 4Q2024 4Q2023 Change FY2024 FY2023 Change Total Consolidated Revenues 1,766.2 1,133.8 55.8% 5,209.5 3,898.6 33.6% e-finance Digital Operations 1,423.7 1,030.8 38.1% 4,562.8 3,527.6 29.3% eKhales 37.0 31.9 16.0% 138.9 92.5 50.1% eNovate 96.4 13.0
Slide 30: Financial Highlights
Financial Highlights Summary Balance Sheet (EGP mn) 2019 2020 2021 2022 2023 2024 Total Current Assets 1,333 1,472 4,282 4,977 5,123 5,735 Total Non-Current Assets 329 486 762 958 2,512 3,323 Total Assets 1,662 1,958 5,044 5,935 7,635 9,058 Total Current Liabilities 397 473 881 1,037 1,395 1,564 Tot
Slide 31: Company Policy
Company Policy Generating increased value for shareholders E-Finance // Investor Presentation 31
Slide 32: Dividends and Debt
Dividends and Debt Dividend Progression Debt Progression 100 0 140 900 120 800 100 700 600 80 500 887 60 115 118 107 400 300 672 40 200 404 20 100 192 123 178 21 0 0 0 0 2019 2020 2021 2022 2023 2024 2019 2020 2021 2022 2023 2024 Generating consistent returns to shareholders, with With a virtually d
Slide 33: e-finance's Investment Strategy
e-finance’s Investment Strategy The Group ended 2024 not only with technically strong, resilient Digital Banking Services, but also set the stage for rapid innovation and scalability by establishing a technological ecosystem that enables the development of of reliable business solutions rapidly and
Slide 34: Thank you
Thank you E-Finance // Investor Presentation 34
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