Credit Bureau Asia Limited · SGX:TCU
Credit Bureau Asia — H1 2021 Earnings Presentation
14 slides from Credit Bureau Asia's earnings presentation, August 2021
Slide 1: H1 2021 Results Presentation
H1 2021 Results Presentation
Slide 2: Financial Results - Highlights
Financial Results - Highlights • CBA business continues to grow steadily despite the ongoing pandemic • 2021 revenue grew 8.5% to S$22.3 million • Excluding one-off exceptional items in H1 2020, underlying PATMI grew 15.5%. • Earnings per share of 1.70 cents • Declares an interim dividend of 1.70 Si
Slide 3: H1 2021 Results – YoY Comparison
H1 202 Results – YoY Comparison % (In S$’000) H1 2021 H1 2020 Change Revenue 22,256 20,521 8.5 Profit before tax (PBT) 10,953 10,897 0.5 Income tax expense (1,873) (1,667) 12.3 Profit for the year 9,080 9,229 -1.6 PATMI 3,921 3,716 5.5 PBT Margin (%) 49.2 53.1 PATMI Margin (%) 17.6 18.1 3 | © 2021 C
Slide 4: H1 2021 Results – FI Business
H1 2021 Results – FI Business % (In S$’000) H1 2021 H1 2020 Change Revenue 9,675 8,530 13.4 Share of result of joint ventures 525 449 17.1 Profit before tax (PBT) 5,572 4,832 15.3 PBT Margin (%) 57.6 56.7 4 | © 2021 Credit Bureau Asia Ltd.
Slide 5: H1 2021 Results – Non-FI Business
H1 2021 Results – Non-FI Business % (In S$’000) H1 2021 H1 2020 Change Revenue 12,582 11,991 4.9 Profit before tax (PBT) 5,381 6,338 -15.1 PBT Margin (%) 42.8 52.9 5 | © 2021 Credit Bureau Asia Ltd.
Slide 6: Revenue and Profit by Geography
Revenue and Profit by Geography Group Revenue H1 2021 H1 2020 Singapore 97.0% 96.8% Malaysia 3.0% 3.2% Group PBT Singapore 98.0% 87.0% Malaysia -3.1% 8.0% Cambodia 6.0% 5.5% Myanmar -0.9% -0.5% Group PATMI Singapore and Malaysia 85.7% 85.5% Cambodia 16.8% 16.0% Myanmar -2.5% -1.5% 6 | © 2021 Credit
Slide 7: Revenue and Profit by Business Segment
Revenue and Profit by Business Segment Group Revenue H1 2021 H1 2020 FI Data 43.5% 41.6% Non-FI Data 56.5% 58.4% Group PBT FI Data 50.9% 44.3% Non-FI Data 49.1% 58.2% Note: (1) The combined contribution of the FI Data Business and Non-FI Data Business to our Group’s PBT in H1 2020 is more than 100%
Slide 8: Summary of Financial Position
Summary of Financial Position (In S$’000) 30 June 2021 31 December 2020 Cash and bank balances 54,292 54,682 Net current assets 42,971 37,762 Net non-current assets 19,794 20,813 Total net assets 62,766 58,575 Capital and reserves 32,432 32,637 Retained earnings 14,898 10,978 Equity attributable to
Slide 9: Comparison of Cash Flow Position
Comparison of Cash Flow Position (In S$’000) 30 June 2021 30 June 2020 Net cash from (used in) operating activities 9,205 10,833 Net cash from (used in) investing activities 125 2,091 Net cash from (used in) financing activities (7,483) (16,035) Cash and cash equivalents at the end of the year 50,63
Slide 10: Dividend
Dividend The Board of directors of CBA has declared an interim dividend of 1.70 Singapore cents per share for the period 1 January 2021 to 30 June 2021, which is about 100% of the Group’s PATMI. This exceeds the Group’s stated dividend policy in its prospectus dated 26 November 2020 of recommending
Slide 11: FY 2021 Outlook and Strategy
FY 2021 Outlook and Strategy The growth outlook is expected to remain resilient for our FI Data and Non-FI Data business. • The set of H1 2021 results is a good start for the year, and we expect to end the year with a strong finish. • We continue to press ahead with our discussions with several part
Slide 12: FY 2021 Outlook and Strategy
FY 2021 Outlook and Strategy The growth outlook is expected to remain resilient for our FI Data and Non-FI Data business. • Credit Bureau Singapore is close to finalizing agreement with the digital bank licensees and will make necessary announcements at the appropriate time. • With respect to our in
Slide 13: Important Notice
Important Notice This presentation is prepared for information purposes only, without regard to the investment objectives, financial situation or needs of any specific person. This presentation does not constitute an offer or solicitation of an offer to sell or invitation to subscriber for any secur
Slide 14: Thank You!
Thank You! For enquiries, please contact: Investor Relations Credit Bureau Asia Ltd Email Address: enquiries@creditbureauasia.com Contact Number: +65 6565 6161