MoneyBoxx Finance Ltd. · NSE:MONEYBOXX
MoneyBoxx Finance — Q4 FY2022 Earnings Presentation
16 slides from MoneyBoxx Finance's earnings presentation, May 27, 2022
Slide 1: Board Meeting Financial Results: Q4 & FY22
MONEYBOXX FINANCE LIMITED Board Meeting Financial Results: Q4 & FY22 ending 31st Mar 2022 27 May 2022
Slide 2: 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 3: Agenda
Agenda Highlights of Q4 & FY22 About the Company Business Performance Update Review of Financial Position Moneyboxx Finance Limited – Disbursements – Prudent Capital Management Fast-growing, new-age NBFC Business rebounded strongly from Q2 after a dip in Q1 due to COVID Strong Capital Adequacy Targe
Slide 4: Who we are – Moneyboxx Finance Limited
Who we are – Moneyboxx Finance Limited Building a scalable and profitable business with financial inclusion at heart Fast-growing, tech-driven, BSE-listed NBFC Small unsecured business loans of ₹ 100k-300k in Tier-3 and below places MISSION STATEMENT Plan to start secured business loans of ₹ 300k-70
Slide 5: Target Market: MFI+ Segment
Target Market: MFI+ Segment Moneyboxx addressing credit needs of under-served Micro & Small Enterprises (MSEs) in Tier-III & beyond u Targeting the Missing Middle – Deserving micro Unsecured business loans and small enterprises with unmet credit needs, often u Ticket size: INR 50,000-300,000 those g
Slide 6: We are solving a huge problem
Ban We are solving a huge problem k s& Fin Meeting credit needs of the Missing Middle tec h Sec ure d ₹5 Lac s& abo ve For ma lF ina nc e ₹10 K– Sm 50K ü Unsecured business loan of ₹ 1 Lac – 3 Lacs all G rou ü MFI borrowers graduating to individual borrowing We p Loa ll Ser ns ü Less than 3 notable
Slide 7: Moneyboxx has a proven business model to execute MFI+ Loans
Moneyboxx has a proven business model to execute MFI+ Loans Proven underwriting capabilities and collection efficiency amidst the Competitive advantages of MONEYBOXX most challenging environment Exceptional Collection Efficiency On-ground presence 100.0% 99.7% 99.9% 99.5% 98.8% 99.1% 99.1% 99.0% 99.
Slide 8: Journey so far – Robust systems & processes ensured success despite COVID
Journey so far – Robust systems & processes ensured success despite COVID Successfully scaled up operations in a span of three years Data as of Mar 2022 We today are… 30 branches 11,468 live customers 5 7 1 313 employees ₹ 121 crores AUM 10 ₹ 201.8 crores 18 lenders 7 disbursements BRANCHES Mar’21 M
Slide 9: Business normalized from July 2021 after second COVID wave
Business normalized from July 2021 after second COVID wave Strong disbursement Annual Disbursements 112.34 Quarterly 46.87 growth with focus on 87% Growth YOY (₹ crore) Disbursements (₹ crore) essential sectors YOY growth 102.7% 31.77 33.15 55.44 25.07 19.65 33.91 Business improving and 10.70 long-t
Slide 10: Diversified AUM across sectors and geographies
Diversified AUM across sectors and geographies Focus on essential sectors provide stability AUM by Sectors (INR crores) Geographic diversification lends stability Livestock & Kirana sectors provide resiliency Improved geographic diversification with no 120.99 single state accounting for more than 33
Slide 11: Exceptional collection efficiency even during stress periods
Exceptional collection efficiency even during stress periods Testimony of strong underwriting standards and collection efficiency at Moneyboxx Collection % declined from April 2021 due to severe lockdowns in Q1 FY22 & no moratorium. Trend expected to normalise from Q1 FY23 onwards with improving out
Slide 12: Resilient Portfolio
Resilient Portfolio Strong and stable asset quality with very low NPAs Very Low NPAs Low write-offs and credit cost 0.40% 0.37% 40.0 0.89% 0.35% 0.32% 35.0 0.30% 0.68% 0.30% 34.1 30.0 0.62% 0.25% 0.22% 0.22% 30.0 25.0 0.45% 0.20% 20.0 0.40% 0.34% 0.31% 0.15% 18.9 15.0 0.21% 0.20% 0.10% 12.9 10.0 0.1
Slide 13: Prudent Capital Management
Prudent Capital Management Stronger balance sheet after Equity fund raise of ₹ 14.42 crore in Q3FY22 and expected to raise ₹ 22 crore in May’22 Tier-II Capital raise of ₹ 6.61 crore in H1 FY22 Continuous validation of model by lenders Adequately capitalized for growth Strong Capital Adequacy: 30.59%
Slide 14: 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 Annual PAT (₹ crore) Quarterly PAT (₹ crore) Branch unit Further productivity Income gro
Slide 15: Summary Financial Statements
Summary Financial Statements Profit & Loss Statement (₹ crore) 31-Mar-21 31-Mar-22 Balance Sheet (₹ crore) 31-Mar-21 31-Mar-22 Interest Income 10.85 22.29 Equity Share Capital 20.08 21.60 Sale of Services (Fee-based) 0.11 0.30 Reserves & Surplus 4.07 12.91 Other Income 0.04 0.71 Equity 24.15 34.51 1
Slide 16: Thank You
THANK YOU Corporate Office Address Moneyboxx Finance Ltd, 2nd Floor, Vatika Business Centre, First India Place, M.G. Road, Gurgaon – 122002, Haryana +91 9971882650 deepakaggarwal@moneyboxxfinance.com www.moneyboxxfinance.com +91 8828230582 mayurmodi@moneyboxxfinance.com