Wisr Ltd. · ASX:WZR
Wisr — Macquarie Bank Emerging Leaders Forum (June 2019)
27 slides from Wisr's conference presentation, Jun 21, 2019
Slide 1: Australia's first neo-lender
smarter, For personal use only fairer, wisr Australia’s first neo-lender 1
Slide 2: Disclaimer
Disclaimer. For personal use only NO INVESTMENT ADVICE OR OFFER OF SHARES representation or guarantee as to the accuracy or likelihood of fulfilment This presentation does not constitute investment advice, or an of any forward-looking statement in this presentation or assumption upon inducement or r
Slide 3: Wisr is building
For personal use only ul Wisr is building 1. N ad - A Purpose-led company, which will be Known for focussing on the financial wellness of Australians (will own the financial wellness space) Innovative Distribution channels that are unique and will provide access to millions of Australians (the rails
Slide 4: Evolved from peer to peer lender
= = fs) a) om) =) persona ~~ We've evolved from our heritage as a peer to peer lender, allowing us to do more, through better technology, for more Australians w
Slide 5: Our vision is to bring financial wellness to all Australians
Our vision is to For personal use only bring financial wellness to all Australians. 4
Slide 6: Wisr App and WisrCredit
<“_- Wisr App (~) ls WisrCredit B! y.
Slide 7: Our core Consumer Lending product
Our core Consumer Lending market size: $110 billion product. For personal use only $31 BILLION Credit Card balances accruing interest $7 RISK BASED PRICING 0B PERSONAL LOANS $5,000 – $60,000 ILL 3, 5, 7 year loan terms IO N AVERAGE LOAN SIZE Circa $25,000 over 4 years $39 BILLION GROSS YIELD ON BOOK
Slide 8: Australian market rates
_ Australian market rates. INTEREST RATES FROM 8.50% P.A. (9.34 %* COMPARISON RATE) ANZ 13.32%" CBA 13.86 %* Westpac 13.14%" For personal use onl
Slide 9: Perfect timing for online lending in Australia
Perfect timing for online lending in Australia. @s~ustralia was late to get started, but is rapidly growing and catching up. w a USA UK Australla ©) Fintech online lending launched 2006 2006 2014 ” : Market Share at year 3 0.5% (2009) 0.5% 0.5% (2017) Market Share at year 4 @) Market Share at year 4
Slide 10: Quarterly loan origination growth
aS For personal use onl Quarterly loan origination growth. |_| Quarterly loan originations. $3.3m $2.1m e $1.5m 1.1m - ooo as || Qa FY17 2 FY17 Q3 FY17 Q4 FY17 Qa Fy18 Q2 FY18 Q3 FY18 $7.9m Q4 FYI8 $11.9m Qi FY19 $16.9m Q2 Fy19 $18.8m Q3 FY19
Slide 11: Glimpse into Australian Debt
Glimpse into Australian Debt. For personal use only 1 in 5 people have a personal loan 1 in 3 customers 18% are coming to Wisr for a Personal loan are overwhelmed by credit card rolling over debt from $60k - $90k debt. the Big 4 Banks. income average range 1 in 4 are Australians for current Wisr fin
Slide 12: Million Australians apply for personal credit every year
For personal use only 1 Mitlion Australians apply for personal credit every year
Slide 13: Using customer transaction data for better outcomes
Using customer transaction data for better outcomes. For personal use only • Keeps us ahead of regulatory changes • Reinforces our commitment to ethical, responsible lending • Automatically verify income and liabilities • Identify undisclosed liabilities • Faster verifications • Deeper understanding
Slide 14: Wisr annualised gross default rate
Wisr annualised gross default rate. For personal use only 11
Slide 15: For personal use only
For personal use only 441% + oO) =) (6 points) 59% +71 (? 7 points)
Slide 16: The Wisr Tech Platform
The Wisr Tech Platform. For personal use only E2E OPERATIONAL EFFICIENCY 80+% OF THE CUSTOMER JOURNEY FULLY AUTOMATED 13
Slide 17: One of Australia's most recognised Fintechs
One of Australia’s most recognised Fintechs. For personal use only 16 nominations and 4 wins in the past 12 months. 76
Slide 18: Wisr Brand strategic growth channels
Wisr Brand STRATEGIC GROWTH CHANNELS MARKETING CHANNELS Public Relations Vv Radio Paid Search Social Media ADDITIONAL PARTNERS Referrer Channels Referral Content partners Marketing for revenue Email generation Marketing Personal Loans The Wisr owned Ecosystem.
Slide 19: New horizons
New horizons. HORIZON 3 B 2 B E X PA N S I O N For personal use only HORIZON 2 FINANCIAL WELLNESS Next lending product SUITE Wisr@Work Wisr & Co Wisr brand HORIZON 1 MILESTONES B E TA | REFINE | BUILD THE CORE WisrCredit OT | TEST PIL | LD Wisr App B UI B E TA | REFINE Personal Loans TEST | | O T PI
Slide 20: B2C: The Wisr financial wellness Suite
“B2C: @\ ‘The Wisr financial -wellness Suite
Slide 21: WisrCredit active user growth
WisrCredit active user growth. For personal use only 20,000 18,000 16,000 14,000 12,000 10,000 8000 6000 4000 Phase 1 Beta Pre-launch Launch 2000 0 May Jun Jul Aug Sep Oct Nov Dec Jan Feb 25
Slide 22: Automatically pay down your debt whenever you spend
For personal use only Automatically pay down your debt whenever you spend… that’s Wisr! Wisr App is the best way to tackle your debt without having to think about it. It’s Australia’s first app that lets you round-up your digital spare change to pay down your debt faster. On average users pay off an
Slide 23: Financial Wellness in the workplace
‘Financial Wellness “tn the workplace
Slide 24: 48% of Australians have suffered stress at work
For personal use only 48% of Australians have suffered stress at work because of their personal financial situation. Wisr@Work survey 2018, 200pax. 30
Slide 25: Wisr@Work financial wellness program
SO WE CREATED... For personal use only Our financial wellness program to help businesses combat one of the biggest causes of workplace stress. 31
Slide 26: WisrCredit Launch, Wisr App Launch
For personal use only WisrCredit Launch Wisr App Launch
Slide 27: wisr
smarter, For personal use only fairer, wisr Australia’s first neo-lender 40
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