Apollo Finvest (India) Limited · BSE:APOLLOFI
Apollo Finvest (India) — Investor Presentation (February 2023)
24 slides from Apollo Finvest (India)'s investor presentation, February 2023
Slide 1: Apollo Finvest
Apollo Finvest "AWS of Digital lending"
Slide 2: Thesis
Thesis "Every Company will Be a Fintech Company" "Every company will derive a significant portion of its revenue from financial services." -Andreessen Horowitz
Slide 3: Stellar team
Stellar team MIKHIL INNANI (CEO) DIKSHA NANGIA (COO) • Cofounded PharmEasy (Valued at $5 Billion+) • Ex - HDFC with over a decade of experience in • Raised $300+ Million from Bessemer Venture financial services Partners, TPG, Temasek • CFA Charter Holder and MBA in Finance • Headed Growth and Produc
Slide 4: Apollo Finvest: AWS of Digital Lending
Apollo Finvest: AWS of Digital Lending Digital lending Live in 48 hours Full stack platform enabling Enables FinTechs to go live FinTechs to offer digital loans within 2 days with plug and play API's Public listed company Range of offerings Apollo is a public listed Tech Offering Fintechs Compliance
Slide 5: Apollo's MOAT & Future Growth
Apollo's MOAT & Future Growth Network effect Apollo Finvest is a branchless Lender with a massive distribution accross multiple Fintechs More Fintech Better Risk Algorithm More Lending data partners High adoption of Apollo's robust technology platform increases Fintech stickiness Economies of scale
Slide 6: Digital loan products Supported by Apollo
Digital loan products Supported by Apollo We have them all! Consumer Loans Equated Daily Instalment Personal Loans Earned Wage Access Revenue Based Financing
Slide 7: Apollo's Revenue Streams
Apollo's Revenue Streams CaaS: Capital as a Service • Digital Lending APIs • Committed credit lines for 12 • SONIC: Loan Management System months • ROI: 16% to 18% on the line of capital Tech for end-to-end digital lending Capital for fintechs to scale
Slide 8: Future of Financial Services: Platform Based Lending
Future of Financial Services: Platform Based Lending "Any company can offer financial services" - A16Z (Click here) To learn more about Fintech 3.0 (Click here)
Slide 9: Aggregator flow of funds without infusion of credit
Aggregator flow of funds without infusion of credit Merchant Data 3 Aggregator Merchant Fees Merchant (Ex: Zomato) (Ex: Restaurant) Or y de er rP liv De ay 2 1 m en t Co ns um er Da ta Consumer
Slide 10: Merchant Quantitative Easing for Faster Scaling
Merchant Quantitative Easing for Faster Scaling Merchant Fees net of EMI 3 Aggregator Merchant (Ex: Restaurant) EM (Ex: Zomato) ID ed Me an uc Lo rc h ted 1 an 2 Financing options enables f ro t fe a at Ag m tD e gr Merchants to have larger an eg h at rc or working capital Me Me rc han tD at a Lende
Slide 11: Consumer Quantitative Easing for Platform Scaling
Consumer Quantitative Easing for Platform Scaling 2 Aggregator Order Consumer ing (Ex: Zomato) nc ina Su tF bv uc 1 en od tio Pr 3 ta Flexible financing options nI Ag Da nc gr er eg improves consumer om um at or e ns purchasing power Co Co ns um er Da ta Lender: Apollo
Slide 12: Apollo's Story In Numbers Since 2018
Apollo's Story In Numbers Since 2018 6L 650 CR 17 L BORROWERS SERVED DISBURSED NO. OF LOANS To learn about the Origin story Apollo (click here) *Data as of January 2023
Slide 13: We are growing. Really fast!
We are growing. Really fast! Growing profitably since 2018 Rs. Cr Profit Before Tax Revenue 80 74 60 40 29 20 16 17 9 6 2 2 3 1 0 FY 18 FY 19 FY 20 FY 21* FY 22 *COVID-19 Year
Slide 14: Thank you
Thank you EMAIL ADDRESS business@apollofinvest.com 803 Morya Bluemoon 8th Floor, New Link Rd, Veera Desai Industrial Estate, Andheri West, Mumbai, Maharashtra 400053
Slide 15: Appendix
Appendix
Slide 16: Apollo Finvest's FY 2021-22 Results
Apollo Finvest's FY 2021-22 Results Best Quarter & FY Ever! Rs. 74 Cr 5X 3X REVENUE (FY) REVENUE Y-O-Y REVENUE Y-O-Y Q4 Rs. 17 Cr 3X 3X PROFIT (FY) PROFIT Y-O-Y PROFIT Y-O-Y Q4 6X 4X 2X AMOUNT DISBURSED Y-O-Y NO. OF LOANS DISBURSED Y-O-Y NO. OF LOANS DISBURSED Y-O-Y Q4 70.73% 34 PROMOTER HOLDING NO.
Slide 17: Apollo Finvest's YTD Q3FY23 Results
Apollo Finvest's YTD Q3FY23 Results Key Metrics Rs. 39 Cr Rs. 12 Cr 70.73% REVENUE (YTD Q3) PROFIT (YTD Q3) PROMOTER HOLDING Rs. 9 Cr Rs. 4 Cr 30 REVENUE (Q3) PROFIT (Q3) NO. OF EMPLOYEES *Numbers have been rounded off for presentation purposes
Slide 18: Go-to-Market Strategy
Go-to-Market Strategy Network effect First choice Apollo Finvest is the preferred and usually Existing Fintechs sharing the first partner for Fintechs offering digital loans positive experiences with their investors Word of mouth Frequent referrals and recommendations by the key players in the eco-s
Slide 19: Apollo's Infrastructure Offerings
Apollo's Infrastructure Offerings One stop shop for any company that wants to start offering digital lending services
Slide 20: Sonic
Sonic Apollo provides a complete backend infrastructure for any Fintech company Key Features • Simple to use & digital lending focus Loan Origination • No integration required to get System started Credit Rule Engine Loan • Fast, scalable, and flexible Management System • Go live within 3 days
Slide 21: Challenges faced by Fintechs
• Challenges faced by Fintechs • Lender's refuse to partner without Fintechs having prior portfolio performance leading to a chicken and egg situation • Need for a lending license • Familiarity with end-to-end lending process and RBI guidelines • Getting access to credit bureaus and alternate data s
Slide 22: Journey of a fintech with Apollo
Journey of a fintech with Apollo DEVELOPMENT & TESTING GROWTH PHASE SCALING PHASE PHASE Fintechs build a MVP Fintechs finds the product market Fintechs builds a stable portfolio and fit begins exponential growth Apollo offers digital lending Apollo offers Sonic. The Apollo offers capital to help Fin
Slide 23: Lending Ecosystem of a mature fintech
Lending Ecosystem of a mature fintech Innovative new Apollo's platform age products • New age products supported by Apollo's tech Best customer • Best customers lent via Apollo to deliver the A+ user experience Mature Best customer Fintech Traditional Best customer products Traditional lender • Cust
Slide 24: CSR Initiative
CSR Initiative Supporting and evangelizing women's empowerment by partnering with impactful organizations SHIKSHA FOUNDATION SAKHI PARINAAM NANHI KALI FOUNDATION ABHYUDAYA • Furthers the cause of • Supports girls from low income • Supports girls pan-India from low • Supports bright, underprivileged
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