Cash Converters International Limited · ASX:CCV
Cash Converters International — FY2023 Earnings Presentation
25 slides from Cash Converters International's earnings presentation, Aug 31, 2023
Slide 1: FY2023 Investor Presentation
FY2023 Investor Presentation Full-year period ended 30 June 2023 Cash Converters International Limited (ASX:CCV) August 2023 cashédnverters
Slide 2: For personal use only
For personal use only • • • • • • • • • • • • + + 2
Slide 3: Our Global Network
Our Global Network Acro Unite vork of The rest of the internation r Franchisor For personal use onl Master Franchisor = Cash Converters ——— Master Franchisor = Partner
Slide 4: For personal use only
4 1 2 3 4 For personal use only 3a 3b 1a 1b 1c 1d 2a 2b • • • • • • • • • •
Slide 5: Australian Addressable Market
5 Australian Addressable Market For personal use only $46bn+ $2bn+ 311k+ 120k+ ~2k Online B2B • 24m • 677k • $86m • 122k • 153k • $34m • $22m • $156m • New platform released, approval in minutes Store B2C • Leveraging tech, entered B2C channel • 473k • 119k • Released new online borrower direct • $1
Slide 6: For personal use only
For personal use only 6 ✓ ✓ ✓ $71.6m ✓ ✓ 2m 100,000 ✓ ✓ ✓ ✓ ✓ 68+ ✓ ✓ ✓ ✓ 757,000 ✓ ✓
Slide 7: FY2023 Highlights
FY2023 Highlights Full-year period ended 30 June 2023 cashédnverters
Slide 8: For personal use only
8 $302.7m $57.2m $20.1m $271.4m $71.6m For personal use only ) $102.0m $62.9m 29% 11% 1c • • • •
Slide 9: Gross Loan Book By Product
For personal use only 9 ✓ ✓ Gross Loan Book By Product, $M
Slide 10: Personal Finance Small Loan Book
Personal Finance Small Loan Book For personal use only 100 (o} i=} a o b a N is} o Small Loans Gross Loan Book, $M 82 83 a | 76 ™ 30 June 2022 m30Sep 2022 m31Dec2022 m31Mar 2023 m30Jun 2023 10 Performance (v FY2022) Y Transitioning customers out of SACC loans (due to legislative change) into other (
Slide 11: For personal use only
For personal use only ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓ 11
Slide 12: For personal use only
For personal use only ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓ 12
Slide 13: For personal use only
For personal use only ✓ ✓ ✓ ✓ ✓ ✓ ✓ 13
Slide 14: For personal use only
For personal use only ✓ ✓ ✓ ✓ ✓ ✓ 14
Slide 15: Our Strategy
Our Strategy cashédnverters
Slide 16: For personal use only
For personal use only • • • • • • • • • • • • • • • 16
Slide 17: For personal use only
For personal use only • • • • • ✓ ✓ ✓ ✓ ✓ ✓ ✓ • • • • 17
Slide 18: For personal use only
For personal use only
Slide 19: For personal use only
19 $78.0m 3% -5% For personal use only 29% $102.0m 34% 12% 38% $62.9m 35% 17% 23% $16.0m 3% -5% 6% $12.5m - 2% 4% $271.4m 27% 6% - -
Slide 20: For personal use only
20 • For personal use only $’000 $'000 $'000 Bad debts written off 55,483 36,684 18,799 Recovery of bad debts written off (6,171) (8,046) 1,875 • Movement in expected credit loss allowance 5,071 6,186 (1,115)
Slide 21: For personal use only
21 • $’000 $'000 $'000 • For personal use only • • •
Slide 22: Reconciliations
Reconciliations 30 Jun 2023 30 Jun 2022 = $7000 $'000 Impairment and other significant items. 119,823 11,196 2D EBITDA Operating Basis = SRR 82728 SB “\ EBIT'Reported Basis = 755019) 27,850 (102,869) SS Impairment and other significant items 119,823 11,196 © —EBIT Operating Basis 44,804 99,046 5,758
Slide 23: For personal use only
23 • $’000 $'000 $'000 % For personal use only • • • •
Slide 24: For personal use only
For personal use only • • • • • • • • • • • • • • • • 24
Slide 25: Disclaimer
The material contained in this presentation is intended to be general background information on Cash Converters and its activities current at the date of the presentation. The information is supplied in summary form and is therefore not necessarily complete. It is not intended that it be relied upon
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