Luminor Financial Holdings Limited · SGX:5UA
Luminor Financial — Investor Presentation (March 2023)
17 slides from Luminor Financial's investor presentation, Mar 15, 2023
Slide 1: Profile Presentation
Profile Presentation Luminor Financial Holdings Limited 15 March 2023
Slide 2: Introduction
Introduction Luminor Financial Holdings Limited is a non-bank financial institution committed to providing financing solutions to SMEs regionally. We are headquartered in Singapore and are listed on the Catalist Board of the Singapore Exchange (“SGX”). Formerly known as Starland Holdings Limited, Lu
Slide 3: We started off as a property developer in China and diversified into financial solutions
Introduction We started off as a property developer in China and diversified into the financial solutions business in 2019. Our Milestones Shareholders’ Name change to LFHL. Completed University Launched Acquisition of approval of GRP ceased to be Town project (GDV1: Singapore Garden 82.91% by GRP d
Slide 4: We plan to turn all remaining property inventory into cash
PROPERTY BUSINESS We plan to turn all remaining property inventory into cash. We have completed 3 projects. We have also sold off our last land bank in China. Following our restructuring in 2021, we will sell off our remaining residential, commercial & parking spaces to turn inventory into cash and
Slide 5: SMEs account for 97.2% of enterprises in Southeast Asia yet cannot obtain financing
FINANCIAL SOLUTIONS Problem: SMEs account for an average 97.2% of all enterprises in Southeast Asia. Yet, they are unable to obtain financing. Based on national firm classifications, MSMEs in Southeast Asia accounted for an average 97.2% of all enterprises, 69.4% of the total workforce, and 41.1% of
Slide 6: We understand cashflow and the importance of it
FINANCIAL SOLUTIONS We understand cashflow and the importance of it. We are unable to solve structural problems. What we do is provide SMEs with solutions. We help businesses grow and succeed through our supply chain, residential/commercial property finance solutions as well as our financial advisor
Slide 7: Our Brands
FINANCIAL SOLUTIONS Our Brands. We offer our services through various licenses held in Malaysia and Singapore. Malaysia Singapore Invoice Financing/Supply Chain Financing Financial Advisory Equity & Debt Crowdfunding Capital Markets Service Licence issued by Securities Commission Malaysia Capital Ma
Slide 8: Our Portfolio of Clients' Contract Awarders
FINANCIAL SOLUTIONS Our Portfolio of Clients’ Contract Awarders. We specialise in offering Shariah-compliant factoring solutions to SMEs that provide goods and services to various government ministries and state agencies (“GMAs”), Government-Linked Companies (“GLCs”) and Multi-national Corporations
Slide 9: Net Profit after Tax of RM11.6m
2022 FINANCIAL HIGHLIGHTS Net Profit after Tax of RM11.6m The Group’s intention is to fully transform into the Financial Solutions Business (FSB). Presently, the Group’s priority is building and expanding its business in Malaysia and in Singapore. In the long term, our strategy is for growth by acqu
Slide 10: Financial Solutions Business
FY2022 FINANCIAL HIGHLIGHTS FINANCIAL SOLUTIONS BUSINESS Key Figures Commentary Loan Book (as at 31 December) • For each loan extended, revenue is generated through Income (Financial Solutions) Impairment 1. Interest RM18.9 million Net Interest Margin Interest Income : Revenue generated from interes
Slide 11: We expect steady organic growth of our Malaysian business
FOCUS FOR FY2023 We expect steady organic growth of our Malaysian business. The bulk of our clients provide goods and services to various GMAs and GLCs. The Budget allocation represents the market size just for government-linked entities alone. 23 Figure 2: Allocation of Operating Expenditure, Malay
Slide 12: We will enter the e-Commerce space with invoice & inventory financing
FOCUS FOR FY2023 We will enter the e-Commerce space with invoice & inventory financing. Gross Merchandise Value (“GDV”) in Southeast Asia expected to grow from US$112 billion in 2021 to US$280 billion in 20271 12 1 https://www.bain.com/globalassets/noindex/2022/meta_bain_syncsea_2022.pdf
Slide 13: We will focus on growing Funded Here
FOCUS FOR FY2023 We will focus on growing Funded Here. Alternative type of revenue – fee-based platform model vs current balance sheet lending 13
Slide 14: We will look to Southeast Asia for regional expansion
FOCUS FOR FY2023 We will look to Southeast Asia for regional expansion. We have taken the first step into Indonesia through an investment. We were the lead Investor for US$1.75m funding round for the AdiWisista Group. We will continue to explore opportunities to enter into new markets. 14
Slide 15: Investment Highlights
Luminor financial holdings limited INVESTMENT HIGHLIGHTS Growth for invoice financing and lending business in Malaysia to remain strong • Malaysia is the largest significant growth driver. Since 2020, revenue for the financial solutions business has been increasing at a CAGR of 25.74% Proven ability
Slide 16: Thank You
Thank You. investor@luminorfinancialholdings.com www.luminorfinancialholdings.com 16
Slide 17: Disclaimer
Disclaimer. This presentation prepared by Luminor Financial Financial Holdings Limited (the "Company") does not constitute, or form part of, an offer to sell or the solicitation of an offer to subscribe for or buy any securities, nor the solicitation of any vote or approval in any jurisdiction, nor
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