MoneyBoxx Finance Ltd. · NSE:MONEYBOXX
MoneyBoxx Finance — Q1 FY23 Earnings Presentation
17 slides from MoneyBoxx Finance's earnings presentation, Aug 10, 2022
Slide 1: Investor Presentation: Financial Results Q1 FY23
MONEYBOXX FINANCE LIMITED Investor Presentation Financial Results: Q1 FY23 ending June 30, 2022 10 Aug 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 Q1 FY23 About the Company Business Performance Update Review of Financial Position Moneyboxx Finance Limited – Disbursements – Improving productivity, Prudent Capital Management Fast-growing, new-age NBFC new branches, launch of Secured products and co-lending to drive growth St
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 ₹ 70k-300k in Tier-3 and below places MISSION STATEMENT Secured business loans ₹ 200k-700k from Q1 FY23 To de
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 Targeting the Missing Middle – Deserving micro Unsecured business loans and small enterprises with unmet credit needs, often Ticket size: INR 70,000-300,000 those g
Slide 6: We are solving a huge problem
We are solving a huge problem Meeting credit needs of the Missing Middle Unsecured business loan of ₹ 0.7 Lac – 3 Lacs MFI borrowers graduating to individual borrowing Less than 3 notable & focused players in this segment ₹ 2 Lacs – 7 Lacs, secured loans from Q1 FY23 Very few players addre
Slide 7: Size of the problem and the opportunity
MFI Loans (<₹ 50k) is a reasonably Size of the problem and the opportunity served market at ₹ 2.49 trillion but Very Small Loans (₹ 50k – 10 Lacs) is merely at ₹ 1.02 trillion Huge addressable market for Moneyboxx Micro Enterprises face a huge credit gap of ₹ 8 trillion ^ Outstanding Commercial Cred
Slide 8: 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 9: Q1 FY23: Results at a glance
Q1 FY23: Results at a glance ~100% income growth over last year and strong capital position with equity infusion in Q1 Results at a glance: Q1 FY23 Q4 FY22 Q1 FY22 % YOY % QOQ Key Ratios Q1 FY23 Q4 FY22 Quarter ending 30-Jun-22 31-Mar-22 30-Jun-21 Quarter ending 30-Jun-22 31-Mar-22 Operations Profit
Slide 10: 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 June 2022 We today are… 39 branches (Aug’22) 12,922 live customers 6 9 3 392 employees ₹ 132.2 crores AUM # 10 11 ₹ 232.2 crores 20 lenders disbursements BR
Slide 11: Business expected to grow strongly with improving productivity, new branches
Business expected to grow strongly with improving productivity, launch of secured product, new branches and improved liquidity with co-lending Successfully migrated to Quarterly 46.85 Cumulative 232.22 cloud-based LMS and fully Disbursements (₹ crore) Disbursements 201.83 integrated Co-lending (₹ cr
Slide 12: 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 132.25 sectors provide resiliency Improved geographic diversification with no 120.99 6.9% single state accounting fo
Slide 13: 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 Q2 FY23 onwards with improving out
Slide 14: Prudent Capital Management
Prudent Capital Management Stronger balance sheet after Equity fund raise of ₹ 20.77 crore in Q1 FY23 Continuous validation of model by lenders Adequately capitalized for growth Debt Raised (INR crore) Up to Mar-20 Up to Mar-21 Up to Mar-22 Up to Jun-22 Strong Capital Adequacy: Term Loans 17.50 59.0
Slide 15: Income Statement
Income Statement Income Statement (INR crore) Q1 FY23 Q4 FY22 Q1 FY22 % YOY % QOQ Quarter ending 30-Jun-22 31-Mar-22 30-Jun-21 (a) Interest Income 8.35 7.51 4.20 98.7% 11.1% (b) Sale of Services 0.12 0.10 0.05 177.1% 22.3% Income from Operations 8.47 7.61 4.25 99.5% 11.3% (c) Other Income 0.00 0.01
Slide 16: Q1 FY23 – Other Important Updates
Q1 FY23 – Other Important Updates Diversification of funding sources and lowering of Equity capital raise Other Updates funding cost Co-lending started with Vivriti Capital from Q1 Raised ₹ 20.77 crore Equity from non- Secured lending: Launch of quasi-secured FY23 with monthly commitment of INR 20 c
Slide 17: 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