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 (September 2024)
30 slides from E-finance For Digital And Financial Investments S.a.e's investor presentation, September 2024
Slide 1: Investor Presentation 2024
Investor Presentation 2024 E-Finance // Investor Presentation 1
Slide 2: Introduction
Introduction e-finance is a leading fintech focused investment management firm in Egypt
Slide 3: Attractive Market Fundamentals
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 Payments Egypt Cards & Egypt Cloud Hosting Egypt E-commerce Non-Banking Financial Market Payments Market Market
Slide 4: 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 Focus industries for e-finance sectors Creating value by
Slide 5: Well-Positioned to Capture Opportunities, Drive Growth, and More than Double its Bottom-Line
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 6: 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 Shif
Slide 7: Group Overview | A Comprehensive Service Offering
Group Overview | A Comprehensive Service Offering Digital Operations Smart Solutions Digital Payment E-Commerce BPO efinance’s flagship subsidiary, Egypt’s leading producer of smart A leading bill aggregator A multiplatform A business process combining a payment and cards, with an expanding presence
Slide 8: Boasting a Diversified Business Model and Five Key Revenue Streams
Boasting a Diversified Business Model and Five Key Revenue Streams A one-stop-shop providing an array of services capturing every point of the digital payments and technology value chain Business Card Smart Contract based Maintenance E-commerce Production Process Solutions Outsourcing Build and Oper
Slide 9: Competitive Edge
Competitive Edge Well-positioned to continue delivering on our strategy E-Finance // Investor Presentation 9
Slide 10: e-finance's Operating Model Covers Key Points In The Digital Value Chain
e-finance’s Operating Model Covers Key Points In The Digital Value Chain Developer Operator Innovator Developer Operator Innovator The Group continually assesses The Group boasts extensive e-finance is also responsible for growth opportunities by expertise in building tech managing these solutions i
Slide 11: Competitive Edge | Access to Data
Competitive Edge | Access to Data 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 Leveraging the Group’s access to
Slide 12: Growth Avenues
Growth Avenues Unpacking the drivers of our future growth and identifying the opportunities that will enable us to achieve our targets
Slide 13: Shifting to more lucrative revenue streams
Shifting to 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 Maximizing the value generated from higher margin revenue streams is key in maintaining the Group’s financial health
Slide 14: Shifting to more lucrative revenue streams: Transaction revenue
Shifting to more lucrative revenue streams Transaction revenue 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 volume processed, and fixed fee transactions, which are tied to the nu
Slide 15: Shifting to more lucrative revenue streams: Cloud services
Shifting to more lucrative revenue streams Cloud services & technical support The Group is one of the largest cloud service providers in Egypt and helps organizations achieve rapid deployment and flexible scalability through its comprehensive and fully integrated cloud solutions and technical suppor
Slide 16: Shifting to more lucrative revenue streams: Card management solutions
Shifting to more lucrative revenue streams Card management solutions Card Management Revenue (EGP Mn) e-finance has a clear edge over the other – few – players in the card management space in Egypt… 158 180 160 140 4% 120 100 79 79 82 …The Group has been mandated to migrate pension, social 80 subsid
Slide 17: Leveraging technology to bolster Egypt's tax infrastructure
Leveraging technology to bolster Egypt’s tax infrastructure Formalizing the tax space Through its investment in e-Tax, the Group is able to simplify the government’s tax processes and unlock operational efficiencies across Egypt’s Tax Authority (ETA) and the Real Estate Tax Authority (RTA) As the so
Slide 18: 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 Where We Stand Today The
Slide 19: 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 20: 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? 84 10% Touristic Sites Develop e-ticketing and Mandated to automate digitalized Develop a tou
Slide 21: Maximizing value generated from customs as restrictions ease
Maximizing value generated from customs as restrictions ease A one-stop-shop for trade digitization By offering a one-stop-shop for trade digitization through its Single Window system, e-finance is able to integrate and coordinate all information related to the nation’s Customs Authority across all
Slide 22: Managing Egypt's Social Solidarity Network
Managing Egypt’s Social Solidarity Network Providing solutions that support the livelihoods Egyptians e-finance has successfully digitized and currently manages Egypt’s subsidy programs, which includes Takaful and Karama, through its collaboration with the Ministry of Social Solidarity e-finance has
Slide 23: 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? Other growth avenues for e-finance in Egypt’s transportation space What has e-finance done? The Opportunity Digitized the 4 largest
Slide 24: Capitalizing on a fast-growing retail space
Capitalizing on a fast-growing retail space e-finance is targeting to grow its retail bill and citizen services payments through its proprietary app and payment gateway What has e-finance done? +21 PSPs eFinance currently integrates with existing EGP 1.2 tn payment service providers (PSPs). Today, e
Slide 25: Financial Highlights
Financial Highlights A solid track record of delivering stellar results
Slide 26: Financial Highlights: Historical Performance
Financial Highlights Historical Performance Revenue (EGP mn) Gross Profit (EGP mn) 3,899 2,141 2,644 2,283 1,365 1,963 1,171 1,735 923 936 1,232 984 440 596 2019 2020 2021 2022 2023 1H2023 1H2024 2019 2020 2021 2022 2023 1H2023 1H2024 EBITDA, Margin (EGP mn, %) Net Profit, Margin (EGP mn, %) 36% 39%
Slide 27: Financial Highlights: Historical Performance by Revenue Line
Financial Highlights Historical Performance Variable-fee Transaction Revenue (EGP mn) Fixed-fee Transaction Revenue (EGP mn) 840 495 518 391 511 443 382 354 64 226 309 293 153 246 2019 2020 2021 2022 2023 1H2023 1H2024 2019 2020 2021 2022 2023 1H2023 1H2024 Cloud Services Revenue (EGP mn) Build and
Slide 28: Financial Highlights: Income Statement Summary
Financial Highlights Summary (EGP mn) Income Statement 2Q2024 2Q2023 Change 1H2024 1H2023 Change Total Consolidated Revenues 1,134.1 967.5 17.2% 2,283.3 1,735.4 31.6% e-finance Digital Operations 1,047.4 857.7 22.1% 2,078.8 1,574.6 32.0% eCards 76.7 83.6 -8.3% 180.5 145.6 23.9% eKhales 29.7 20.4 45.
Slide 29: Financial Highlights: Summary Balance Sheet
Financial Highlights Summary Balance Sheet (EGP mn) 2019 2020 2021 2022 2023 1H2024 Total Current Assets 1,333 1,472 4,282 4,977 5,466 5,793 Total Non-Current Assets 329 486 762 958 2,169 2,774 Total Assets 1,662 1,958 5,044 5,935 7,635 8,567 Total Current Liabilities 397 473 881 1,037 1,395 1,810 T
Slide 30: Thank you
Thank you E-Finance // Investor Presentation 30
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