Scb X Public Company Limited · SET:SCB
Scb X Public — Investor Day (2022)
16 slides from Scb X Public's investor day presentation, 2022
Slide 1: A FinTech That Creates Opportunities For People To Prosper & Enjoy Life
A FinTech That Creates Opportunities For People To Prosper & Enjoy Life 1
Slide 2: Important note
Important note: This presentation contains “forward-looking statements” of SCB X Public Company Limited and its subsidiaries (“SCBx Group”) that related to financial or events of future period. Certain statements contained in this presentation that are not historical fact are the future expectation
Slide 3: Getting the right things right: Customer-centric unsecured digital lending
“Getting the right things right” : Customer- centric unsecured digital lending Target 1 underserved • Revolving digital lending line We stand to be your customers • For customers with monthly salary of THB 8k+ best financial friend ever! 5 minutes • Only national ID is required 2 approval, with • Mo
Slide 4: A simple customer journey with gamification to enhance financial inclusion
A simple customer journey with gamification to enhance financial inclusion In 5 Minutes Empowering Financial Inclusion FINNIX Account Loan Loan Flexible Perks & Rewards Mobile App Registration Application Approval Repayment Download ~60% Customers received rewards ~30% of Customers applied to jobs v
Slide 5: With salary as low as 8,000 Thai Baht
Access revolving credit line With salary as low as 8,000 Thai Baht 5
Slide 6: 5 Minutes Anytime, Anywhere
Get Cash Instantly in 5 Minutes Apply Online 24/7 Anytime, Anywhere 6
Slide 7: Only ID Card Required
No Collateral No Guarantor No Pay Slip Only ID Card Required 7
Slide 8: 3 Flexible Options
Repayment Made Convenient 3 Flexible Options Minimum payment ish Instal a y-a s-you-w lment s P 8
Slide 9: Good Credits, Good Rewards
Good Good Credits Rewards 9
Slide 10: Create Various Job Opportunities
Create Various Job Opportunities 10
Slide 11: Underwriting technology has enabled >20% approval rate and helped control NPL
Zero-human AI-based Underwriting Performance Underwriting technology has >20% 2X enabled >20% Approval rate Higher vs. on loans peers approval rate and helped control NPL lower than industry average our NPL to be NPL(%) lower than 6.0 5.8 6.3 6.2 6.9 industry average 2.1 3.2 1.3 1.6 2.0 Jun’21 Sep’2
Slide 12: Our AI collection model has allowed us to have higher recovery rate than peers
Our AI collection model has allowed us to have higher recovery rate than peers Collection: 6% higher recovery rate vs. peers from predictive 86% signals & a lean team MONIX's loan recovery rate 12
Slide 13: Ambition: Getting the value-creating growth right, and IPO by 2025
Ambition: Getting the value-creating growth right, and IPO by 2025 1 2 3 4 Expand Broaden Grow Scale product suite to partnership with The MONIXERs’ as a leading digital digital financial local communities DNA financial services services to steer financial of international & across ASEAN, post- lite
Slide 14: Ambitions
From bold …to 2025 achievements1… Ambitions 2025 600k >2m Borrowing customers Ambitions THB >THB We will 5.6 30 Bn Loan O/S Bn continue to deliver strong 1% >6% ROA results 1 as per October 2022 5% >30% ROE 14
Slide 15: Z\FIAZIX — —
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Slide 16: Your best financial friend ever!
YOUR BEST FINANCIAL FRIEND EVER! 16