MoneyBoxx Finance Ltd. · NSE:MONEYBOXX
MoneyBoxx Finance — Q2 FY2022 Earnings Presentation
14 slides from MoneyBoxx Finance's earnings presentation, Nov 8, 2021
Slide 1: Regulation 30 cover letter to BSE
ine MONEYBOXX MONEYBOXX (Formerly FINANCE Ghanuka Commercial CIM: LIMITED Limited) L30007DL1994PLC260191 Regd. Off: 523-A,Samdut Chambers-ll, 9, Bhikaji Came Place, New Delhi-1 10066, India Tel.:011 4565 7452 E mail; info money boxsfinance.cam WW WIM Or rey boxxfi nance, com Dated: November 08, 2021
Slide 2: Board Meeting: Q2 & H1 Financial Results
MONEYBOXX FINANCE LIMITED Board Meeting: Q2 & H1 Financial Results 8 November 2021 i MONEYBOXX
Slide 3: Disclaimer
Disclaimer This document may contain certain forward-looking statements. These statements include descriptions regarding the intent, belief or current expectations of the Company or its directors and officers with respect to the results of operations and financial condition of the Company. Such forw
Slide 4: Agenda
Agenda Highlights of Q2 & H1 FY22 About the Company Busin ess Performance Update Review of Financial Position Moneyboxx Finance Limited — Disbursements — i, Prudent Capital Management Fast-growing, new-age NBFC — Business rebounded strongly in Q2 © © Strong Capital Adequacy Qe OE after a dip in Q1 d
Slide 5: Moneyboxx Finance Limited
me) we are ~ - Moneyboxx Finance Limited le and profitable witth Fast-growing, tech-driven, BSE @ Small unsecured business loans = 100k-% 300k in Tier-3 and beyond @ Started in Feb'19, operating in 4 states, 22 branches @ current AUM of = 85 crores (Oct'21) and 10,000+ borrowers TARGET FY26: 25x AUM
Slide 6: Journey so far — Robust systems & processes ensured success despite COVID
Journey so far — Robust systems & processes ensured success despite COVID oOo Successfully scaled up operations in a span of two years Data as on Sep 2021 We today are... Ct Ww 22 branches co 8,329 live customers > Q 252 employees = ~ 74.25 crores AUM <> %121.8 crores (S) er disbursements —— I lende
Slide 7: Business rebounded strongly in Q2 FY22: disbursements and AUM growth
Business normalized ; Disbursement grew ~3x ied aN A = Ptinies Greist YOY to $31.77 crore in Q2 FY22 second COVID wave > 31.77 vs. Q2 FY21 25.07 19.65 1630 10.44 10.70 Strong business outlook . 7.32 amidst improving economic Strong rebound in activity and rising branch disbursements and 0.00 0.55 pr
Slide 8: Diversified AUM across sectors and geographies
Diversified AUM across sectors and geographies oOo Focus on essential sectors provide stability mr Livestock & Kirana AUM by Sectors (INR crores) x Geographic diversification lends stability 74.25 sectors provide resiliency Improved geographic diversification with no single state accounting for more
Slide 9: Exceptional collection efficiency even during stress periods
Exceptional collection efficiency even during stress periods a Testimony of strong underwriting standards and collection efficiency at Moneyboxx Collection % declined from April 2021 due to severe lockdowns in Q1FY22 & no moratorium. Trend expected to come back to 99%+ from Q4FY22 onwards with impro
Slide 10: Resilient Portfolio
Resilient Portfolio Strong and stable asset quality with very low NPAs Very Low NPAs Adequate ECL Provisions and low write-offs 0.89% 0.95% 0.71% 0.40% 0.45%a, (Write-offs) 0.30% 0.19% 0.21% 0.20% 0.20% 0.22% 0.10% 0.11% (® 18.9 Lacs) o 0% 0, 8, io 0% 0% ( 10.5 Lacs) (® 12.9 Lacs) Sep-20 Dec-20 Mar-
Slide 11: Prudent Capital Management
Prudent Capital Management Stronger balance sheet after Tier-Il Capital raise in H1 Continuous validation of model by lenders Adequately capitalized for growth Strong Capital Adequacy: Cumulative debt raise _ Raised % 31.42 crore 34.95% as of Sep’21 of % 97.03 crores as & in H1 FY22 including on Sep
Slide 12: Path to Profitability
Path to Profitability Strong unit economics, rising scale of operations and improving productivity to drive profitability Growing Income with rising scale of operations Profitability to improve with rising scale a & —— e Vex Income growth of Branch unit Further productivity 142% driven by economics
Slide 13: H1 — Other Important Updates
H1 — Other Important Updates © Diversification of funding aes sources and lowering of pee ia edhe Impact Initiatives funding cost a O First securitisation transaction of Initiated roadshows for raising @ Appointment of Chief Impact INR 7.42 crores in July 2021 “Equity capital for growth Officer in J
Slide 14: Office Address
Office Address Moneyboxx Finance Ltd, 2" Floor, Vatika Business Centre, First India Place, M.G. Road, Gurgaon — 122002, Haryana Qe +91 9971882650 Mm deepakaggarwal@meoneyboxxfinance.com | ee i : www.moneyboxxfinance.com +91 8828230582 mavurmodi@moneyboxxtinance.com =e5 ae . MONEYBOXX