Meliuz Sa · BMFBOVESPA:CASH3
Meliuz Sa — FY2020 Earnings Presentation
29 slides from Meliuz Sa's earnings presentation, March 2021
Slide 1: Earnings Release 2020
Earnings Release 2020 MARCH 2021 Metiuz
Slide 2: We delivered solid results in all 4 strategy pillars presented in 3Q20
| We delivered solid results in all 4 strategy pillars presented in 3Q20 Meéfiuz © crow our user base —— SS +14 MILLION a.
Slide 3: Active users growth
1. Active Users are new or existing users that performed at least one of the following actions in the reporting period: (i) purchased in a Méliuz partner using the Méliuz app, website or plugin; (ii) used the Méliuz Credit Card in a purchase; (iii) activated an offer advertised by Méliuz on the webs
Slide 4: We delivered solid results in all strategy pillars presented in 3Q20
| We delivered solid results in all 4 strategy pillars presented in 3Q20 Launch products that promote higher user engagement level
Slide 5: Launched in-app purchase of Gift Cards and Mobile Top Up
| Launched in app purchase of Gift Cards and Mobile Top Up and we Mefiuz keep expanding our user base with access to such products Ue Gift Cards Mobile Top Up
Slide 6: Grew attraction of new users and CPG brands to Méliuz Nota Fiscal
| Grew exponentially the attraction of new users and CPG brands to Méliuz Mehiuz Nota Fiscal, reaching 2.5MM SKUs captured over 4Q20 Méliuz Nota Fiscal Users activating offers SKUs captured (#K) 65.3 cH Activated offers oo) 123.0 61 31.7 1Q20 2Q20 3Q20 4Q20 1Q20 2Q20 3Q20 4Q20 1Q20 2Q20 3Q20 4Q20 Me
Slide 7: Increase our technology and development team
Increase our technology and development team 7
Slide 8: Méliuz Empréstimos connects users with more than 20 financial institutions
With Méliuz Empréstimos we connect our users with more than 20 Meliv 2 (U financial institutions and more than 30 credit products Q Empréstimos COMO FUNCIONA TIPOSDEEMPRESTIMO FAQ SOBRE O MELIUZ t entrar J Encontre o empréstimo perfeito para vocé, com rapidez e sem burocracia! No Méliuz Empréstimos,
Slide 9: We delivered solid results in all strategy pillars presented in 3Q20
| We delivered solid results in all 4 strategy pillars presented in 3Q20 Meéfiuz 4 | Increase our technology and development team
Slide 10: Increased our recruitment and people development teams
| Increased our recruitment and people development teams as to Melic guarantee that we keep same quality on hiring and onboarding of new (UZ. employees in all departments Product and Other Total engineering departments Number of employees 142 70 72 atIPO Current number of 182 91 91 employees Open po
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Slide 12: Active users
1. Active Users are new or existing users that performed at least one of the following actions in the reporting period: (i) purchased in a Méliuz partner using the Méliuz app, website or plugin; (ii) used the Méliuz Credit Card in a purchase; (iii) activated an offer advertised by Méliuz on the webs
Slide 13: Active users
1. Active Users are new or existing users that performed at least one of the following actions in the reporting period: (i) purchased in a Méliuz partner using the Méliuz app, website or plugin; (ii) used the Méliuz Credit Card in a purchase; (iii) activated an offer advertised by Méliuz on the webs
Slide 14: Strong growth in all our platforms
| Strong growth in all our platforms App Site App Installation - LTM (#MM) Website sessions - Quarterly 4.0 (#MM) 22.0 16.1 4Q19 = 1Q20.-2Q20.-3Q20.—S 4Q20 4Q19—- 1Q20.- -2Q20.-3Q20. 4Q20 App Installations - Annual 4.0 Website sessions - Annual 56.2 (MM: (#MM) 0.9 2017 2018 2019 2020 2017 2018 2019
Slide 15: Gross Market Volume
15 Note: Gross Market Volume (GMV) considers total sales generated to our e-commerce partners.
Slide 16: Gross Market Volume
16 Note: Gross Market Volume (GMV) considers total sales generated to our e-commerce partners.
Slide 17: Solid increase in Méliuz Card applications
| Solid increase in Méliuz Card applications... Card applications (accrued) (# MM) (17.5x) 0.5 0.2 0.2 || — CC 4Q19 1Q20 2Q20 3Q20 4Q20 Meéfiuz
Slide 18: Total Payment Volume
18 Note: Total Payment Volume (TPV) considers total transaction amount from Méliuz Card users.
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Slide 20: Net revenue in 4Q20 grew +80% annually
Net revenue in 4Q20 grew +80% on annually basis, and keeping ai). 9 ME iuZ consistent revenue growth Net Revenue (RS MM) 24.1 4Q19 4Q20 Net Revenue (RS MM) 125.4 CAGR 2017 2018 2019 2020 20
Slide 21: Record high revenue in the Marketplace
| Hit our record high revenue in the Marketplace, growing +50% over same Meliuz quarter last year, resuming growth after pandemic... Net Revenue - Marketplace Net Revenue - Marketplace (RS MM) (RS MM) +50% 1 +38% 35.4 4Q19 4Q20 2019 2020 21
Slide 22: Growing revenues from financial services
| --- and keep growing exponentially our revenues coming from financial Me . services on annually basis luz Net Revenue - Financial Services Net Revenue - Financial Services (RS MM) (RS MM) 15x (tm) 4Q19 4Q20 2019 2020 2
Slide 23: EBITDA
Earnings Before Interest, Taxes, Depreciation and Amortization (EBITDA) is a non-accounting measure prepared by the Company in accordance with CVM instruction 527. EBITDA is not a measure recognized by accounting practices adopted in Brazil nor the IFRS For more information on non-accounting measure
Slide 24: Picodi Internationalization
Picodi Internationalization 24
Slide 25: Acquisition of an international player reduces expansion risk
| Acquisition of an international player already well positioned reduces our risk during expansion dramatically, saving time and resources... 44 countries Picodi helps people better shop online in all 5 continents ZS argentina BBB australia I Belarus fe Colombia Pees Czech Republic fell Mexico (= si
Slide 26: Picodi GMV
26 Obs: O GMV (Gross Merchandise Volume) ou Volume Bruto de Mercadoria considera o valor total das vendas geradas para nossos pa rceiros do e-commerce.
Slide 27: Picodi data and due diligence notes
Data considers 1 PLN = 1.49897 BRL (1) Due diligence process considered figures related to Dec/19-Nov/20. FY20 data has not been audited yet due to differences in local legislation regarding accounting terms. 27
Slide 28: Plans for next quarters
| Plans for next quarters Mefiuz Continue increasing our team: time to accelerate benefits from new investments done in our recruitment and people development teams Continue growing our user base benefiting from boarder portfolio of products and services: Méliuz Empréstimos, Méliuz Nota Fiscal, Gift
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