Slide 1: Results Presentation covering letter to stock exchanges
November 15, 2021 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: Results Presentation Dear Sir/Madam,
Slide 2: DiGiSPICE Technologies Ltd. Q2FY22 Results Presentation
DiGiSPICE Technologies Ltd. Q2FY22 Results Presentation Nov 15, 2021
Slide 3: Disclaimer
Disclaimer This presentation has been prepared by DiGiSPICE Technologies Limited (the “Company”) solely for your information and may not be distributed, reproduced, or redistributed or passed on directly or indirectly to any other person, whether within or outside your organization or firm, or publi
Slide 4: Agenda
Agenda ▪ Highlights ▪ Financial Technology Services - Spice Money ▪ Digital Technology Services ▪ Consolidated Financials ▪ Annexures
Slide 5: Building Digital Platforms
Building Digital Platforms Financial Technology Business Digital Technology Business SPICE DIGITAL DIGITAL MONEY ENTERPRISE TELCO
Slide 6: Update
Update Fintech Business Continued focus on the flywheel strategy of growth. Our marketing campaigns during Q4FY21 and Q1FY22 led to accelerated Entrepreneur base growth. Now translating into transactions and revenue growth during the last 2 quarters. • Adhikari base grew to 802k (end of Q2FY22) - Ad
Slide 7: Building Digital Platforms
Building Digital Platforms Financial Technology Business Digital Technology Business SPICE DIGITAL ENTERPRISE DIGITAL TELCO MONEY
Slide 8: India's leading Rural Fintech Platform
India’s leading Rural Fintech Platform
Slide 9: Management Team
Management Team Leading with expertise & experience Dilip Ramesh Abhay Sanjeev Rajneesh Sunil Vivek Srivaths Varundeep Modi Venkatraman Aima Kumar Arora Kapoor Venkatesan Varadharajan Kaur Founder Advisory Board Advisory Board Chief Executive Chief Innovation & Executive Chief Financial Chief Operat
Slide 10: To be the Most-Admired Fintech Brand in Rural India
New To beProducts the most-Admired Launch Fintech Brand in Rural India Building the largest distribution network in rural India. Network Coverage of almost all districts with 8 lakh Adhikaris Platform Robust and scalable tech platform with roadmap of microservices based open API architecture Product
Slide 11: Building a Phygital Super App for Bharat
Building a Phygital Super App for Bharat Assisted Shopping mATM Delivery Cash Withdrawal Cash on Delivery Cash Deposit Balance Enquiry Remittance E-Pharmacy Digital Payment Diagnostics Bill Payment Telemedicine Mobile/DTH Recharge Loan repayments Bharat Enterprise Cash Management Consumer Savings Go
Slide 12: Launching new Products
Launching new-Products New Products Launch for Bharat Launch of Travel Union : India’s first Building the community led rural lending model - JV with Tarya Rural Travel Super Aggregator ▪ Tarya group is a leading P2P banking platform in Israel with AUM of $800M and approx 70% market-share in P2P bus
Slide 13: Key Metrics
Key Metrics Spice Money Adhikaris ‘000 AePS Market Share* (%) (Entrepreneurs/Kirana Stores) 15.8 802 13.7 683 11.8 8.9 388 Q2FY21 Q1FY22 Q2FY22 FY19 FY20 FY21 H1FY22 *AePS off-us value market share Gross Transaction Value (INR.‘000 Cr) Gross Transaction Value (GTV) is the value of revenue generating
Slide 14: Steady Revenue Momentum driven by Adhikari Growth
Steady Revenue Momentum driven by Adhikari Growth 900 90 80 800 Driven by marketing 80 campaigns 69 700 70 Increased flow 600 54 60 from pandemic related subsidies 49 500 50 44 40 400 40 300 25 30 23 24 24 200 20 100 10 0 0 Q1FY20 Q2FY20 Q3FY20 Q4FY20 Q1FY21 Q2FY21 Q3FY21 Q4FY21 Q1FY22 Q2FY22 Adhika
Slide 15: Creating a strong repeat end consumer franchise
Creating a strong repeat end consumer franchise Repeat* Consumers transacted on AePS (In Mn) 25 21 17 17 16 11 6 5 6 4 1 1 2 3 Q1FY19 Q2FY19 Q3FY19 Q4FY19 Q1FY20 Q2FY20 Q3FY20 Q4FY20 Q1FY21 Q2FY21 Q3FY21 Q4FY21 Q1FY22 Q2FY22 While focusing on adding new customers through increase in reach, Spice Mon
Slide 16: Financial Metrics
Financial Metrics Particulars (Rs. Crs) Q2FY21 Q1FY22 Q2FY22 Q-o-Q Y-o-Y • Customer GTV driven by growth in Adhikari base and 1. Customer GTV (A) 10,739 17,754 19,418 9% 81% growth in new products • Service Fee Revenue is driven by transactions and is 2. Revenue 137 202 203 0.4% 48% the primary driv
Slide 17: Building Digital Platforms
Building Digital Platforms Financial Technology Business Digital Technology Business SPICE DIGITAL ENTERPRISE DIGITAL TELCO MONEY
Slide 18: Management Team
Management Team Rohit Ahuja Anuj Malhotra Sandeep Kaushal Vishal Gupta Executive Director Chief Business Officer Head Technology & Product Chief Business Officer Enterprise Business Enterprise Business Telco Business (Korero Platforms) (Korero Platforms) Prashant Hansraj Vinit Kishore Lakhvinder Sin
Slide 19: Financials (Digital Technology Services)
Financials (Digital Technology Services) Revenue (INR cr) EBITDA* (INR cr) Revenue Profile Improvement in EBIDTA is driven by revenue growth in enterprise • Enterprise Mobility Revenue mobility business • Digital Telco revenue • Others – Primarily Telco Voice VAS Digital Telco business is showing go
Slide 20: Consolidated Financials
Consolidated Financials
Slide 21: Consolidated Financials Overview (Quarter wise)
Consolidated Financials Overview (Quarter wise) Gross Revenue (INR cr) EBITDA* (INR cr) PAT** (INR cr) 237 229 8 6 6 175 4 1 (2) Q2FY21 Q1FY21 Q2FY22 Q2FY21 Q1FY22 Q2FY22 Q2FY21 Q1FY21 Q2FY22 * Excludes Exceptional Items PAT in Q2FY21 included Rs. 6 cr towards ** Before Discontinued Operations sale
Slide 22: Annexures
Annexures > = T \
Slide 23: Solving the last mile banking infra problem in Rural India
Solving the last mile banking infra problem in Rural India Problem Technology Stack Solution 500 Bank Branch, in 000 ATMs,in 000 422 PMJDY acc, in million 383 400 353 314 282 300 214 199 208 207 202 211 213 200 100 141 147 149 152 156 158 - FY16 FY17 FY18 FY19 FY20 FY21 Crisil Research estimates AeP
Slide 24: Entrepreneurs/Kirana Stores in Rural India use Spice Money Digital platform
Entrepreneurs/Kirana Stores in Rural India use Spice Money Digital platform to serve consumers Product Partners Entrepreneurs empowered by Spice Money Adhikari App Consumers Bank NPCI Core Services NBFCs • Cash withdrawal • Bill Payment (Aadhaar) • Pan Card Insurance Cos • Ticket Booking • Loan • Mo
Slide 25: Investing behind Accelerated Transactions Growth
Investing behind Accelerated Transactions Growth • Positive unit economics business model • Operating leverage to be driven by transactions growth
Slide 26: Spice Money Growth Levers
Growth Levers • Removing entry barriers (Eg. zero entry fee, and zero rental since Feb21) with focus on long term transactions revenue growth • Expanding geographical reach • Deepening presence in key clusters Accelerating Growth of Entrepreneurs • Strengthen core banking and Network (Spice Money Ad
Slide 27: Growth in Adoption of Digital Channels & Automation Platforms
Growth in Adoption of Digital Channels & Automation Platforms Communication Platform as a Service USD 25 Bn ▪ The total value of the CPaaS market is expected to reach $25 billion in 2025; rising from an estimated $7 billion in 2020. USD ▪ Over 95% of CPaaS revenue will be attributable to SMS in 2020
Slide 28: Korero Platforms: Our Digital Enterprise Offering
Korero Platforms : Our Digital Enterprise Offering NEW LAUNCH ▪ Serving 3 out of top 5 in Fortune India 500 2020 list ▪ 83 live clients across BFSI, Utilities and other industries across Large Enterprises and MSMEs ▪ Omni channel communications platform – Telecom, OTT and IP channels. Higher growth
Slide 29: Growth in Digital Content Consumption
Growth in Digital Content Consumption High internet penetration is accelerating content demand, driven by personalized experience ▪ 4.72 billion globally used the internet in April 2021 – that’s > 60 % of the world’s total population Source: DataReportal – April 2021 ▪ The average global internet us
Slide 30: Digital Telco Business: Our offerings
Digital Telco Business : Our offerings ▪ Digital Entertainment Products: Native Mobile Apps & Progressive Web Apps to deliver music, video, games, and other multimedia content over the Internet. The platform brings adaptive user experience, a state of art partner & content management system, and str
Slide 31: Digital Entertainment Products
Digital Entertainment Products Music – 87% Videos – 11% Games – 2% Aligning strategy & focus on videos and gaming, owing to greater revenue realization and associated interest
Slide 32: Thank You
Thank You Digispice Technologies Limited investor.relations@digispice.com Gavin Desa / Suraj Digawalekar / Kshitij Sharma CDR India +91 98206 37649 / +91 98211 94418 / +91 98331 98439 gavin@cdr-india.com suraj@cdr-india.com kshitij@cdr-india.com