Paisalo Digital Ltd. · NSE:PAISALO
Paisalo Digital — Q1 FY2025 Earnings Presentation
26 slides from Paisalo Digital's earnings presentation, 2024
Slide 1: Investor Presentation Q1 FY 2025
INVESTOR PRESENTATION Q1 FY 2025
Slide 2: Presentation path
01 02 Financial Summary Business Correspondent Presentation path 03 04 Update Paisalo Digital Limited Financial Performance Overview
Slide 3: Financial Summary Q1 FY 2025
FINANCIAL _ SUMMARY QIFY 2025
Slide 4: Paisalo Snapshot Q1 FY 2025
Paisalo Snapshot Q1 FY 2025 AUM Revenue Networth `46,001 mn `1,866 mn `13,658 mn YoY Growth +26% YoY Growth +37% YoY Growth +14% Good Quater on Volumes, AUM, Profitability and portfolio metrics, but loan losses were elevated in Q1 due to severe heat wave and operational limitations due to the genera
Slide 5: Paisalo Snapshot Q1 FY 2025
Paisalo Snapshot Q1 FY 2025 PAT `415 mn CAR NNPA YoY Growth +8% 36.80% 0.02 % Good Quater on Volumes, AUM, Profitability and portfolio metrics, but loan losses were elevated in Q1 due to severe heat wave and operational limitations due to the general elections. Overall, a mixed start to the fiscal.
Slide 6: Paisalo Snapshot Q1 FY 2025
Paisalo Snapshot Q1 FY 2025 Highest ever AUM of `46,001 mn. AUM as at Q1 FY 2025 was up 26.22% at `46,001 mn as against Q1 FY 2024 at `36,444 mn. Total geographic footprint stood at to 2,884 touchpoints across 21 states, in the quarter. In Q1, the company added 429 new touch points. The company cont
Slide 7: Paisalo Snapshot Q1 FY 2025
Paisalo Snapshot Q1 FY 2025 Given the elevated loan losses, we may maintain the current trend in Q2 and should start to normalize by Q3. The company remains watchful and is proactively pruning as required. The Tangible Networth is INR 13,658 mn versus Bank Borrowings (secured) INR 18,436 mn, i.e., 1
Slide 8: Correspondent Update Q1 FY 2025
CORRESPONDENT UPDATE Q1 FY 2025
Slide 9: Performance Update
Performance Update Particulars Units Q1 FY 2025 Q1 FY 2024 YoY Q4 FY 2024 QoQ No. of Active CSPs (Numbers) 1208 497 143.06% 973 24.15% No. of Small Savings Bank Account Opened (Numbers) 24,904 15,404 61.67% 20,873 19.31% APY (Numbers) 5,541 2,461 125.15% 3,759 47.41% No. off Cross SellingA Accounts
Slide 10: Quarterly Performance
Quarterly Performance Particulars Units Q1 FY 2024 Q2 FY 2024 Q3 FY 2024 Q4 FY 2024 Q1 FY 2025 No. of Active CSPs (Numbers) 497 529 628 973 1208 No. of Small Savings Bank Account Opened (Numbers) 15,404 17,212 14,366 20,873 24,904 APY (Numbers) 2,461 3,532 3,015 3,759 5,541 No. off Cross SellingA Ac
Slide 11: Consolidated Financial Year Performance
Consolidated Financial Year Performance Particulars Units FY 2023 FY 2024 Number of Active CSPs (Numbers) 432 973 Number of Small Savings Bank Account Opened (Numbers) 10,091 67,855 APY (Numbers) 622 12,767 Number off Cross Selling Accounts (Micro Pension, Micro Insurance, Recurring Deposits, Term D
Slide 12: Overview
OVERVIEW PA I S A L O D I G I TA L L I M I T E D Q1 FY 2025
Slide 13: What do we Stand For
What do we Stand For 1. Disruption 2. High Tech: High Touch Revolutionizing and Disrupting Rural Credit Engage and transact without friction to deliver a sustainable business model 3. Innovation 4. Business Construct Focus on continuous innovation to transform Deliver a sustainable NNPA of <2% custo
Slide 14: Key strategic differentiators
Key strategic differentiators 1. Leader with a huge Early Mover 2. A Unique and Scalable business advantage in “Co-Lending” model 3. In-house Proprietary Digital 4. Serviced 5.25 Mn+ customers as Platform uses Data, AI and ML at Q1 FY 2025 5. Paisalo has strong Brand 6. Team of 2362 managing 2884 Re
Slide 15: Uniquely Positioned for Growth
Uniquely Positioned for Growth 1. Leader with a huge Early Mover 2. Offering easiest and cheapest advantage in “Co-Lending” product in its market segment 3. Access to almost unlimited capital, 4. Negligible ‘Liquidity Risk’ relative to size 5. Negligible ‘Credit Risk’ 6. Negligible ‘ALM Risk’ 13
Slide 16: Executive Summary
Executive Summary Engaged in the business of providing convenient and easy loans to the financially excluded at bottom of India's economic pyramid. Lending business with an AUM of `46,001 mn. Already serviced more than 5.25 million customers as at Q1 FY 2025. An experienced team of 2362 managing 288
Slide 17: Financials Performance Q1 FY 2025
FINANCIALS PERFORMANCE Q1 FY 2025
Slide 18: Financials
FINANCIALS (`in Millions, *Cumulative) PARTICULARS Q1 FY 2024 Q2 FY 2024* Q3 FY 2024* Q4 FY 2024* Q1 FY 2025 AUM `36,444 `38,174 `42,280 `45,860 `46,001 Disbursements `7,648 `14,773 `24,681 `35,902 `6,521 Revenue `1,362 `2,809 `4,635 `6,587 `1,866 PBT `520 `1,156 `1,916 `2,412 `558 PAT `384 `859 `1,
Slide 19: Financials
FINANCIALS (`in Millions, *Cumulative **Impact of Bonus Issue 1:1 PARTICULARS FY 2022 FY 2023 FY 2024 Q1 FY 2025 AUM `26,973 `34,928 `45,860 `46,001 Interest Income `3,922 `4,732 `6,587 `1,866 NIM 4.03% 5.50% 6.42% 6.22% PAT `793 `936 `1,790 `415 Cash Accrual `819 `950 `1,824 `425 Net worth `10,241
Slide 20: Financials: Critical Ratios
FINANCIALS Critical Ratios, (`in Millions) PARTICULARS FY 2022 FY 2023 FY 2024 Q1 FY 2025 Tangible Net Worth (TNW) `10,241 `11,610 `13,211 `13,658 Bank Borrowings (BB) `9,588 `13,018 `17,494 `18,436 Total Outside Liabilities (TOL) `15,989 `18,567 `25,537 `26,890 BB / TNW (Times) 0.94 1.12 1.32 1.35
Slide 21: AUM Revenue
AUM REVENUE `in Millions `in Millions `46,001 Q1 FY 2025 `1,866 `45,860 FY 2024 `6,587 `34,928 FY 2023 `4,732 `26,973 FY 2022 `3,922 19
Slide 22: Net Worth CAR
NET WORTH CAR `in Millions `13,658 Q1 FY 2025 36.80% `13,211 FY 2024 35.92% `11,610 FY 2023 40.34% `10,241 FY 2022 42.92% 20
Slide 23: ROE ROA
22 ROE ROA 12.03% Q1 FY 2025 4.03% 13.40% FY 2024 4.53% 7.90% FY 2023 3.02% 7.78% FY 2022 3.09% 21
Slide 24: Shareholding Pattern | Credit Rating
23 Shareholding Pattern | Credit Rating Q1 FY 2025 PAISALO DIGITAL LIMITED NSE : PAISALO BSE : PAISALO BLOOMBERG : PAISALO:IN 36.21% 18.67% 45.12% PROMOTER & FIIS AND DIIS PUBLIC PROMOTERS GROUP IVR ‘AA (Stable Outlook)’ IVR ’A1+’ (for Commercial Paper) 22
Slide 25: Safe Harbor Statement
24 Safe Harbor Statement PAISALO DIGITAL LIMITED NSE : PAISALO BSE : PAISALO BLOOMBERG : PAISALO:IN This document contains certain forward – looking statements based on current expectations of Paisalo Digital Limited’s management. Actual Results may vary significantly from the forward - looking stat
Slide 26: Thank You
THANK YOU Phone : +91 11 43-51-8888 Email : ir@paisalo.in Website : www.paisalo.in