MoneyBoxx Finance Ltd. · NSE:MONEYBOXX
MoneyBoxx Finance — Q1 FY24 Earnings Presentation
16 slides from MoneyBoxx Finance's earnings presentation, Aug 11, 2023
Slide 1: Exchange filing cover letter for investor presentation
@ MONEYBOXX FINANCE LIMITED Te) i) “N CIN - L30007DL 1994PLC260191 Registered Office.:523-A, Somdutt Chambers, In M O N EY B OX(X 9.Bhikaji Cama Place, New Delhi-110066 India Tel. 01145657452 E-mail:info@moneyboxxfinance.com Website: www.maneyboxxfinance.com To, Dated: August 11, 2023 Department of
Slide 2: Transforming Lives of Microentrepreneurs: Q1 FY24 Financial Results
MONEYBOXX FINANCE LIMITED Transforming Lives of Microentrepreneurs Investor Presentation Q1 FY24 Financial Results 11 Aug 2023
Slide 3: Disclaimer
Disclaimer This document may contain certain forward-looking statements. These statements include descriptions regarding the intent, belief or current expectations of the Company or its directors and officers with respect to the results of operations and financial condition of the Company. Such forw
Slide 4: Agenda
Agenda Review of Q1 FY24 Results About the Company Business Performance Financial Position Moneyboxx Finance Limited – Q1 FY24 Highlights Q1 FY24 Financial Results at a Glance Fast-growing, new-age NBFC Improving Funding profile Financial Statements Operational Snapshot Important updates Robust
Slide 5: Who we are – Moneyboxx Finance Limited
Who we are – Moneyboxx Finance Limited Transforming Lives of Microentrepreneurs Fast-growing, tech-driven, BSE-listed NBFC Small business loans of ₹ 1-10 Lacs in Tier-3 and below towns MISSION STATEMENT Started in Feb’19, operating in 6 states with 72 branches To deliver easy, cost-efficient and tec
Slide 6: Journey so far – Robust systems & processes ensured success despite COVID
Journey so far – Robust systems & processes ensured success despite COVID Successfully scaled up operations in four years We today are… # Data as of 31st July 2023 72 branches 34k+ live accounts 8 12 858 employees ₹410 crores AUM 12 19 ₹ 675 crores 27 lenders cumulative disbursements 18 3 BRANCHES M
Slide 7: Proven & scalable business model
Proven & scalable business model Branches Cumulative Disbursements INR crore AUM INR crore 380 633 338 68 543 61 30 119 22 202 62 29 11 90 1 34 Mar-20 Mar-21 Mar-22 Mar-23 Jun-23 Mar-19 Mar-20 Mar-21 Mar-22 Mar-23 Jun-23 Mar-20 Mar-21 Mar-22 Mar-23 Jun-23 AUM ₹ crore Closing Equity & Equity Raised I
Slide 8: Q1 FY24 Highlights
Q1 FY24 Highlights Branches AUM Disbursements Capital Position Jun’23 68 Jun’23 ₹ 380 Cr Jun’23 ₹ 90.2 Cr Equity Debt Jun’22 31 Jun’22 ₹ 130 Cr Jun’22 ₹ 30.4 Cr Jun’23 78.2 237.1 2x growth 192% growth 197% growth Jun’22 53.3 110.3 ROE GNPA Leverage* Credit Rating Q1 FY23 Q1 FY24 Q1 FY23 Q1 FY24 Q1 F
Slide 9: Growing network of Partners – Validation by leading lenders including 8 Banks
Growing network of Partners – Validation by leading lenders including 8 Banks Existing Lenders Cum. Equity Capital Raised~ ₹ 94 crore Equity Capital INR crore Price INR/Share In Mar’19 19.03 Raised in Feb’20 11.65 70 Raised in Dec’21 14.42 95 Raised in Jun’22 20.77 115 Warrants (Sep’22) 3.36 115 Rai
Slide 10: Robust business growth driven by branch productivity, expansion and improved liquidity
Robust business growth driven by branch productivity, expansion and improved liquidity with lending partnerships Improving Branch Vintage & Productivity 146 Q1 FY24 – 3x Quarterly Disbursements (₹ crore) growth over last year Avg. Vintage AUM AUM per Branch 100 Branch Vintage Branches 90 (Months) (₹
Slide 11: Strong increase in profitability in Q1 FY24
Strong increase in profitability in Q1 FY24 Increasing scale & productivity driving improvement in Opex and profitability Quarterly Profitability Trend 400 30.0% 3 10.00% 2 8.5% 350 24.5% 380 25.0% 1 0.42 338 338 1.64 5.00% 300 19.8% 0 20.0% -1 -2.97 -3.72 -6.80 2.6% 250 0.00% 15.4% 14.5% -2 200 13.
Slide 12: Moneyboxx has a proven business model to execute MFI+ Loans
Moneyboxx has a proven business model to execute MFI+ Loans Competitive advantages of MONEYBOXX Proven underwriting capabilities amidst challenging environment Very Low NPAs 0.89% On-ground presence 0.75% 0.74% Solid understanding of local economies and sectors; 0.68% 0.69% 0.62% 0.59% Strong collec
Slide 13: Q1 FY24: Results at a glance
Q1 FY24: Results at a glance Further improvement in profitability in Q1 FY24 driven by growing AUM and productivity Results at a glance: Q1 FY24 Q4 FY23 Q1 FY23 % YOY % QOQ Period ending Jun-23 Mar-23 Jun-22 Operations Branches (period end) 68 61 31 119% 11% Branches (period avg.) 65 57 30 116% 14%
Slide 14: Income Statement
Income Statement INCOME STATEMENT (INR Lakhs) FY21 FY22 FY23 Q1 FY23 Q4 FY23 Q1 FY24 (i) Interest Income 1,085 2,229 4,880 835 1,772 2,205 (ii) Fee & Commission Income 11 30 146 12 80 120 (iii) Net gain on fair value changes 15 - 8 24 Income from Operations 1,096 2,259 5,041 847 1,860 2,349 (iv) Oth
Slide 15: Other Important Updates
Other Important Updates Diversification of funding sources and lowering of Equity capital raise Other Updates funding cost Partnerships : Over ₹400 crores per annum Warrants issue of ₹ 13.45 crore to Promoters Secured lending: Gaining momentum lending tie-ups in place. in Sep’22 (3.35 Cr received in
Slide 16: Thank You
THANK YOU Gurugram Corporate Office Address Moneyboxx Finance Ltd, 2nd Floor, Vatika Business Centre, First India Place, M.G. Road, Gurugram – 122002, Haryana Mumbai Head Office Address Moneyboxx Finance Ltd, Wing A-411, Kanakia Wall Street, Chakala, Andheri Kurla Road, Hanuman Nagar, Andheri East,