Hypoport Se · XETR:HYQ
Hypoport — FY2013 Earnings Presentation
25 slides from Hypoport's earnings presentation, Mar 10, 2014
Slide 1: Hypoport registers strong growth in sales
Hypoport registers strong growth in sales Financial figures as of 10th March 2014 10th March 2014 © 2014 Hypoport AG
Slide 2: Contents
Contents Financial Figures 2013 1. Market environment 2. Performance of business units 3. Overview of key performance indicators 4. Hypoportʼs shares 5. Outlook
Slide 3: Low interest continues without momentum over the course of the year
Low interest continues without momentum over the course of the year Interest rate trends of important segments since 2007 6% ECB central rate Guaranteed interest of insurances DGZF 10-years 5% 4% 3 Financial Figures 2013 3% 2% 1% 2007 2008 2009 2010 2011 2012 2013
Slide 4: Influence of macro-economic environment on Hypoport's business model
2 in 3 business units remain negatively impacted by the current crisis Influence of macro-economic environment on Hypoportʼs business model 4 Financial Figures 2013
Slide 5: Diversified business models encounter differentiated environment
Diversified business models encounter differentiated environment Development of market environment compared to fiscal year 2012 Private financing Private Insurance 5 Financial Figures 2013 Simple Bausparen bank products Commercial financing
Slide 6: Contents
Contents Financial Figures 2013 1. Market environment 2. Performance of business units 3. Overview of key performance indicators 4. Hypoportʼs shares 5. Outlook
Slide 7: Three business units – one enterprise: Private Clients
Three business units – one enterprise Business unit Private Clients 7 Financial Figures 2013
Slide 8: Strong growth of transaction volume loan brokerage and Bausparen
Strong growth of transaction volume „loan brokerage“ and „Bausparen“ Key figures of product segment loan brokerage (business unit Private Clients) Transaction volume: loan brokerage (billion €) CAGR 25% 5,42 4,59 3,86 3,11 Despite small incentives, an 18% rise in 2,19 transaction volume of loan brok
Slide 9: New insurance business burdened with massive market transformation
New insurance business burdened with massive market transformation Key figures of product segment insurance (business unit Private Clients) Insurance policies under management (million €, at 30.12.) CAGR 49% Rise in existing business by 38%. 101,1 Market fluctuations due to missing year-end 73,1 bus
Slide 10: Weak market environment for simple financial service products
Weak market environment for simple financial service products Key figures of product segment „Simple banking and insurance products“ (business unit Private Clients) Decline of lead number by 39% to 3.1 million. Weak business for simple financial service products (e. g. call money), 10 because suppli
Slide 11: Franchise organisation focuses on quality-oriented growth
Franchise organisation focuses on quality-oriented growth Lead generation and cross-channelling: private clients Online sales Self-explanatory financial products, e. g. current accounts, car insurances Number of active advisors (Franchise) Franchise sales 612 509 11 431 Financial Figures 2013 365 Le
Slide 12: Distortions of insurance market weigh on business unit
Distortions of insurance market weigh on business unit Key figures of the business unit Private Clients Revenue CAGR (million €) 15% 56,1 51,8 50,5 40,4 31,6 30,1 Positive development of mortgage finance 24,5 products, in spite of faltering interest level. 12 Drop in new business for private health
Slide 13: Three business units – one enterprise: Financial Service Providers
Three business units – one enterprise Business unit Financial Service Providers 13 Financial Figures 2013
Slide 14: Transaction volume over 30 billion Euro in 2013
0,0 1,0 2,0 3,0 4,0 5,0 6,0 7,0 8,0 9,0 billion € Q1 2002 Q2 2002 2002 Q3 2002 Q4 2002 Q1 2003 Q2 2003 2003 Q3 2003 Q4 2003 Q1 2004 Q2 2004 Mortgage loans 2004 Q3 2004 Q4 2004 Q1 2005 Q2 2005 2005 Q3 2005 Q4 2005 Q1 2006 Q2 2006 2006 Q3 2006 Personal loans Q4 2006 Transaction volume of EUROPACE mark
Slide 15: GENOPACE – Market place for the cooperative banking group
GENOPACE – Markt place for the cooperative banking group Accelerated partner recruitment compared to previous year Number of partners GENOPACE partner banks represent over 20% of netted total assets of the cooperative banking group. 13 of the top 25 cooperative banks are 15 partners of GENOPACE. Fin
Slide 16: FINMAS – Financial market place for savings banks
FINMAS – Financial market place for savings banks Accelerated partner recruitment compared to previous year Number of partners Strong growth of transaction volume. 12 of top 25 savings banks are partners of FINMAS. Pressure to change, caused by Basel III, has 16 raised the appeal for a flexible mark
Slide 17: Appealing platform functionalities ensure loyalty of existing partners
Appealing platform funcitionalities ensure loyalty of existing partners / attract new ones Key figures of the business unit Financial Service Providers Revenue* CAGR (million €) 23% 33,1 26,5 21,4 Strong growth of transaction volume leads to 15,4 considerable rise of earnings figures. 9,4 12,3 11,0
Slide 18: Three business units – one enterprise: Institutional Clients
Three business units – one enterprise Business unit Institutional Clients 18 Financial Figures 2013
Slide 19: Firm business development with excellent third quarter
Firm business development with excellent third quarter Key figures of the business unit Institutional Clients Volume of brokered loans (million €) CAGR Strong rise of interest rates in May led to the Renewals 2% third quarter being the best in company New business 363 325 577 history. Previously and
Slide 20: Contents
Contents Financial Figures 2013 1. Market environment 2. Performance of business units 3. Overview of key performance indicators 4. Hypoportʼs shares 5. Outlook
Slide 21: Growth leads to first yearly revenue over 100 million Euro
Growth leads to first yearly revenue over 100 million Euro Summary of Hypoport‘s key figures as of 31st Dezember 2013 Revenue * Equity Number of employees (million €) (million €) (at 31.12.) +15% +1% 101,0 546 553 87,8 +12% 33,5 29,8 21 2012 2013 2012 2013 2012 2013 Financial Figures 2013 EBITDA* EB
Slide 22: Contents
Contents Financial Figures 2013 1. Market environment 2. Performance of business units 3. Overview of key performance indicators 4. Hypoportʼs shares 5. Outlook
Slide 23: Trading volume and share price still on low level
Trading volume and share price still on low level Share price performance in 2013 and breakdown of shareholders as of 31st December 2013 Number of shares: 6.194.958 Basic data Revenia GmbH (Ronald ISIN DE 000 549 3365 Slabke, CEO) Symbol HYQ 33,1% 34,8% Market segment Regulated market Kretschmar Fam
Slide 24: Contents
Contents Financial Figures 2013 1. Market environment 2. Performance of business units 3. Overview of key perfomance units 4. Hypoportʼs shares 5. Outlook
Slide 25: Profitable growth: Outlook for 2014ff
Profitable growth Outlook for 2014ff We will consistently continue to pursue our strategy of acquiring additional market shares in all business units. At the same time we increasingly use the positions we gained to improve our profitability. Main focus for the B2B financial market place is an ongoin