Credit Bureau Asia Limited · SGX:TCU
Credit Bureau Asia — FY2021 Earnings Presentation
14 slides from Credit Bureau Asia's earnings presentation, Feb 23, 2022
Slide 1: FY2021 Results Presentation
FY2021 Results Presentation 23 February 2022
Slide 2: Financial Results - Highlights
Financial Results - Highlights FY2021 Revenue grew 5% to S$45.4 million FY2021 Net Profit Before Tax grew 5% to S$21.7 million FY2021 PATMI grew 15% to S$7.8 million Declares a final dividend of 1.70 Singapore cent per share, bringing the full dividend for FY2021 to 3.40 Singapore cents per
Slide 3: FY2021 Results – YoY Comparison
FY2021 Results – YoY Comparison % % (In S$’000) H2 2021 H2 2020 FY 2021 FY 2020 Change Change Revenue 23,122 22,857 1% 45,379 43,378 5% Profit before tax (PBT) 10,744 9,854 9% 21,697 20,750 5% Income tax expense (1,769) (1,454) 22% (3,642) (3,121) 17% Profit for the year 8,975 8,400 7% 18,055 17,629
Slide 4: FY2021 Results – FI Business
FY2021Results – FI Business % % (In S$’000) H2 2021 H2 2020 FY 2021 FY 2020 Change Change Revenue 10,241 9,197 11% 19,916 17,726 12% Share of result of joint ventures 658 415 58% 1,183 864 37% Profit before tax (PBT) 5,246 5,293 (1%) 10,818 10,126 7% PBT Margin (%) 51 58 54 57 4 | © 2021 Credit Bure
Slide 5: FY2021 Results – Non-FI Business
FY2021 Results – Non-FI Business % % (In S$’000) H2 2021 H2 2020 FY 2021 FY 2020 Change Change Revenue 12,882 13,660 (6%) 25,463 25,651 (1%) Profit before tax (PBT) 5,498 5,651 (3%) 10,879 11,989 (9%) PBT Margin (%) 43 41 43 47 Notes: In FY2020, there was S$1.1 million gain on disposal of CBM. Exclu
Slide 6: Revenue and Profit by Geography
Revenue and Profit by Geography Group Revenue FY 2021 FY 2020 Singapore 97% 97% Malaysia 3% 3% Group PBT Singapore 98% 93% Malaysia -4% 2% Cambodia 7% 6% Myanmar -1% -1% Group PATMI Singapore and Malaysia 84% 86% Cambodia 19% 17% Myanmar -3% -3% 6 | © 2021 Credit Bureau Asia Ltd.
Slide 7: Revenue and Profit by Business Segment
Revenue and Profit by Business Segment Group Revenue FY 2021 FY 2020 FI Data 44% 41% Non-FI Data 56% 59% Group PBT FI Data 50% 49% Non-FI Data 50% 58% Note: (1) The combined contribution of the FI Data Business and Non-FI Data Business to our Group’s PBT in FY2020 is more than 100% due to the IPO ex
Slide 8: Summary of Financial Position
Summary of Financial Position (In S$’000) 31 December 2021 31 December 2020 Cash and bank balances 53,460 54,682 Net current assets 42,158 37,762 Net non-current assets 21,134 20,813 Total net assets 63,292 58,575 Capital and reserves 32,384 32,637 Retained earnings 14,898 10,978 Equity attributable
Slide 9: Comparison of Cash Flow Position
Comparison of Cash Flow Position (In S$’000) 31 December 2021 31 December 2020 Net cash from (used in) operating activities 19,955 20,577 Net cash from (used in) investing activities (2,349) 1,242 Net cash from (used in) financing activities (17,270) (632) Cash and cash equivalents at the end of the
Slide 10: Dividend
Dividend The Board is recommending a final dividend of 1.70 Singapore cents per share, bringing the full year dividend to 3.40 Singapore cents. This exceeds our stated dividend policy of at least 90% of PATMI for FY2021 and FY2022. For the subsequent financial years of FY2023 and FY2024, we intend t
Slide 11: FY 2022 Outlook and Strategy
FY 2022 Outlook and Strategy Our commercial credit information business in Singapore and Malaysia is experiencing consistent demand especially from overseas customers in line with the improving business sentiment globally. This resulted in an increase of our market share in Singapore and Malaysia fo
Slide 12: FY 2022 Outlook and Strategy
FY 2022 Outlook and Strategy Credit Bureau Cambodia Co Ltd (“CBC”) will continue to diversify and introduce additional product and service offerings in tandem with the growth of Cambodia’s economy along with its credit industry and rate of credit penetration, so as to meet evolving customer and indu
Slide 13: Important Notice
Important Notice This presentation is prepared for information purposes only, without regard to the investment objectives, financial situation or needs of any specific person. This presentation does not constitute an offer or solicitation of an offer to sell or invitation to subscriber for any secur
Slide 14: Thank You!
Thank You! For enquiries, please contact: Investor Relations Credit Bureau Asia Ltd Email Address: enquiries@creditbureauasia.com Contact Number: +65 6565 6161