E-finance For Digital And Financial Investments S.a.e. · EGX:EFIH
E-finance For Digital And Financial Investments S.a.e — efinance Investment Group — Investor Presentation (September 2022)
21 slides from E-finance For Digital And Financial Investments S.a.e's investor presentation, September 2022
Slide 1: Investor Presentation
Investor Presentation September 2022 1
Slide 2: Group Overview
Group Overview Group Synopsis FY2021 Highlights EGP 1,963.3mn 26.4% 25.0% Consolidated Revenues efinance Investment Group is Egypt’s leading investment management firm. From ▲59% y-o-y its beginnings as the country’s first fintech platform in 2005, efinance has grown to pioneer Egypt’s comprehensive
Slide 3: Corporate Evolution and Path to Institutionalization
Corporate Evolution and Path to Institutionalization 2005 - 2010 2011 - 2015 2016 - 2018 2019 - Present Launch Phase Development Phase Expansion Phase Established in 2005 Contracted by the MoF Introduced the Corporate Payment Contracted in 2016 to operate and Spun-off both Khales and • Established e
Slide 4: Group Structure & Highlights
Group Structure & Highlights efinance Investment Group (EFIH) runs a diversified portfolio of subsidiaries and investments, offering an array of digital services to government partners, businesses, financial institutions, and citizens. efinance’s full end-to-end offering is made possible through its
Slide 5: A Comprehensive Service Offering Through a Portfolio of Leading Subsidiaries
A Comprehensive Service Offering Through a Portfolio of Leading Subsidiaries By leveraging its robust network infrastructure across its subsidiaries, efinance is able to extend its reach across the nation and capture the entire digital payments value chain with a ubiquitous service offering covering
Slide 6: An Exciting Network of Associate Companies
An Exciting Network of Associate Companies efinance deploys a network of six associate companies active in sectors across the Egyptian economy, including in revolutionizing the country’s tax system and digitizing national health insurance infrastructures in line with efforts to achieve universal cov
Slide 7: Our Revenue Generation Model
Our Revenue Generation Model efinance enjoys a highly diversified revenue generation model, leveraging seven distinct and independent sources of revenue to drive growth at the Group level, with exposure to various dynamic sectors of Egypt’s digital economy… Build & Operate (Contract Based) efinance
Slide 8: Leveraging our Expansive Reach and Strategic Partnerships
Leveraging our Expansive Reach and Strategic Partnerships Four Transaction Revenue Generating Channels Financial Institutions Network POS Network 39 >6k 16 380k Commercial Banks Bank Branches PSPs POSs (Held by PSPs) >4k 20k Post Offices Third Party Government POSs Corporate Payment Solution (CPS) P
Slide 9: To Offer a One-Stop Shop Solution Covering the Entire E-Payments Value Chain
To Offer a One-Stop Shop Solution Covering the Entire E-Payments Value Chain The Group’s synergistic business model covers the entire digital payments value chain, constantly generating opportunities for profitable synergies The Group is currently certified by all three schemes Card Issuance & KYC &
Slide 10: Subsidiary Highlights
Subsidiary Highlights finance Investment Group 10
Slide 11: efinance Digital Operations, the Group's Core Subsidiary, is Driving Egypt's Digital Transformation
efinance Digital Operations, the Group’s Core Subsidiary, is Driving Egypt’s Digital Transformation… efinance for Digital Operations is efinance Investment Group’s flagship subsidiary. The subsidiary has built and operates four integrated financial networks, while its infrastructure and cloud hostin
Slide 12: efinance for Digital Operations Processes a Range of Variable- and Fixed-Fee Transactions
efinance for Digital Operations Processes a Range of Variable- and Fixed-Fee Transactions efinance Digital Operations leverages several fixed- and variable-fee sources to generate diversified revenues Financial Electronically processes subsidy disbursement for Takaful and Karama beneficiaries, recei
Slide 13: eCards – the Largest Producer of Government & Banking Payment Cards
eCards – the Largest Producer of Government & Banking Payment Cards eCards builds, manages, and operates smart card solutions with a variety of applications for banking and other institutions across the public and private sectors. Revenue Drivers FY2021 Operational KPIs Card Production Card Manageme
Slide 14: eAswaaq, the Group's multiplatform e-commerce operator
eAswaaq, the Group’s multiplatform e-commerce operator eAswaaq is a multi-platform e-commerce operator focused on marketplace solutions that automate and transform outdated practices to bring Egyptian markets into the digital age. 1 2 3 B2B Agri & Food B2B Wholesale Specialized B2C Platforms & Marke
Slide 15: eKhales – the Aggregator of Aggregators
eKhales – the Aggregator of Aggregators eKhales provides a digital payment solution that eases the payment and collection process for consumers, while providing merchants value-added digital services including white-label mobile app development, inter-operable digital wallets, and an online payments
Slide 16: enable, a Full-Fledged BPO Service Provider
enable, a Full-Fledged BPO Service Provider enable focuses on supporting efinance’s wide customer base. The subsidiary is the preferred service provider for a broad range of Egyptian and international entities, offering solutions which range from HR and IT process outsourcing to full contact center
Slide 17: Financial Highlights
Financial Highlights Revenue (EGP mn) Gross Profit | Margin (EGP mn, %) 44% 55% YOY Growth YOY Growth 39% 59% 2018-2011 CAGR YOY Growth 44.7% 48.3% 47.0% 48.3% 54.5% 42.5% 1,963 923 596 688 311 440 437 2018 2019 2020 2021 1H21 1H22 1,232 1,262 984 904 EBITDA | Margin (EGP mn, %) 733 44% 57% YOY Grow
Slide 18: efinance Investment Strategy
efinance Investment Strategy The Group is using proceeds from its IPO and other resources to drive progress in five key pillars: Expanding Current Banking Services New Technologies Fintech Startups NBFS Infrastructure Expanding financial cloud hosting capacity. Introducing a broad range Working to f
Slide 19: Appendix
Appendix finance Investment Group
Slide 20: Historical Income Statement
Historical Income Statement Consolidated Income Statement (EGP mn, unless otherwise stated) 2018 2019 2020 2021 Sales 733 984 1,232 1,963 Total Revenue 733 984 1,232 1,963 % y-o-y 0.7% 34.2% 25.2% 59.3% Cash Production Costs (388) (492) (585) (966) Depreciation & Amortization (34) (52) (52) (74) Tot
Slide 21: Historical Balance Sheet
Historical Balance Sheet Consolidated Balance Sheet (EGP mn, unless otherwise stated) 2018 2019 2020 2021 Assets Cash 240 612 633 2,869 Receivables 577 667 780 1,358 Inventory 43 54 59 55 Total Current Assets 859 1,333 1,472 4,282 Gross PP&E 452 490 638 760 Accumulated Depreciation (-) (288) (322) (
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