One 97 Communications Ltd. · NSE:PAYTM
One 97 Communications — Jefferies India Forum 2023
11 slides from One 97 Communications's conference presentation, May 23, 2023
Slide 1: Exchange filing cover letter: Conference Call - Presentation
May 23, 2023 BSE Limited National Stock Exchange of India Limited Department of Corporate Services, The Listing Department, Phiroze Jeejeebhoy Towers, Exchange Plaza, Dalal Street, Fort, Bandra Kurla Complex, Mumbai - 400 001 Mumbai - 400 051 Scrip Code: 543396 Symbol: PAYTM Sub.: Conference Call -
Slide 2: Investor Presentation - USD, May 2023
Investor Presentation - USD May 2023
Slide 3: Disclaimer
Disclaimer By attending the presentation or by reading the presentation on the opinions and estimates of management at the date the correctness of any information or opinions contained herein and slides you agree to be bound as follows: statements are made and are subject to a variety of risks and a
Slide 4: To bring Half-a-Billion Indians to the Mainstream Economy
To bring Half-a-Billion Indians to the Mainstream Economy through Technology-led Financial Services
Slide 5: Our Core Business is to Acquire Customers for Payments and Distribute + Collect Loans
Our Core Business is to Acquire Customers for Payments and Distribute + Collect Loans Payments Services Loan Distribution & Collection Business § Brand § Paytm Postpaid § Distribution § Insights § Personal Loan Two-Sided § Technology § Merchant Loan Ecosystem 90 Mn Monthly 34 Mn Transacting Users Me
Slide 6: Our Revenues have scaled multifold, while improving profitability
Our Revenues have scaled multifold, while improving profitability Q4 FY 2023 Revenues2 of $284 Mn, growth of 51% YoY Q4 FY 2023 EBITDA before ESOP2 of $28 Mn, improved by $73 Mn YoY 2.9 x $972 Mn EBITDA before ESOP EBITDA before ESOP Margin (2%) 185 $(21) Mn 187 $605 Mn 134 Margin (31%) Improvement
Slide 7: We monetize payment through subscription and payment processing margin
We monetize payment through subscription and payment processing margin Payment Processing Volume (GMV) Payment Processing Margin $240 Mn For online and offline merchants, we process payments 3.3 x $161 Bn using UPI, Wallet, Postpaid, Cards and EMI • We make payment processing margin of 7 to 9 bps on
Slide 8: Large TAM for distribution and collection of loans
Our consumers and merchants offer large TAM for distribution and collection of loans from our lender partners Value of loans distributed through Paytm platform Product Penetration1 Product Features 253% YoY $1,528 Mn § Consumption credit for small ticket purchases 4.3% $1,212 Mn Postpaid § Average t
Slide 9: Commerce & Cloud: We enable commerce and offer marketing services
Commerce & Cloud: We enable commerce and offer marketing services to businesses Commerce & Cloud Revenues Commerce We sell travel, movies and event ticketing and 2.2 x $185 Mn deals, gift vouchers to customers § Paytm app is a destination for our merchants to $134 Mn get more business 110 § Commerce
Slide 10: Future Growth Drivers
Future Growth Drivers $28 Mn1 10% 1. Mobile payments just took off in our country. India could have more than 500 Mn payment consumers and 2% 100 Mn merchants in near term $4 Mn 2. Multiple payment instrument UPI, Wallet, Postpaid, (9%) EMI, Debit Card and Credit Card give unique advantage to Paytm
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