Bread Financial Holdings, Inc. · NYSE:BFH
Bread Financial — Alliance Data Systems — Morgan Stanley US Financials, Payments, & CRE Conference 2021
7 slides from Bread Financial's conference presentation, Jun 15, 2021
Slide 1: Morgan Stanley US Financials, Payments, & CRE Conference
Alliance DataMorgan Stanley US Financials, Payments, & CRE Conference June 15, 2021 © 2021 ADS Alliance Data Systems, Inc. Exhibit 99.2
Slide 2: Forward-Looking Statements
This release contains forward-looking statements within the meaning of Section 27A of the Securities Act of 1933 and Section 21E of the Securities Exchange Act of 1934. Forward-looking statements give our expectations or forecasts of future events and can generally be identified by the use of words
Slide 3: Go-Forward Strategy
Offer broad product suite focused on customer's choice 1 Provide full-spectrum lending capabilities to drive sales 2 Enhance capabilities with an emphasis on digital 3 Drive sustainable, repeatable, profitable growth 4 Go-Forward Strategy 3
Slide 4: Key Foundational Elements and Strategic Initiatives
Focused investment to drive sustainable long-term shareholder value Prudent Balance Sheet Management Disciplined Expense Management Proactive Risk Management TechnologyInnovation Key Foundational Elements Product Diversification & Development DigitalAdvancement Data Science & Analytics Strategic Ini
Slide 5: 2021 Update
2021 Update Sales at inflection point for receivable growth Continued ramp up of investments 2Q21 net loss rate in the low-5% range 5
Slide 6: Card Services Performance Highlights
Card Services Performance Highlights 6 Improvement in credit sales performance versus 2019 aligns with increasing consumer confidence Credit sales performance continues to improve and stabilize The majority of the credit sales performance improvement can be attributed to in-store sales, which have b
Slide 7: Bread Business Models
Direct Acquisition Distribution Technology Platform Merchant Acquirer Network / Platform(Always Bread) Issuer / Loan Originator(Owns consumer relationship) Value Pools Merchant feesFinance charges Merchant feesFinance charges Gateway feesServicing fees Bread Business Models Leading technology and wh
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