Slide 1: Cover letter to stock exchanges
Date: 22nd May, 2023 BSE Limited National Stock Exchange of India Limited Phiroze Jeejeebhoy Towers Exchange Plaza, Plot No. C/1, G Block Dalal Street, Mumbai – 400001 Bandra – Kurla Complex, Bandra (E) Scrip Code: 517214 Mumbai – 400 051 Scrip Code: DIGISPICE Sub: Investors presentation on the perf
Slide 2: FY23 Investor Presentation
FY23 Investor Presentation 1
Slide 3: Disclaimer
Disclaimer This presentation has been prepared by DiGiSPICE Technologies Limited (the “Company”) solely for your information and may not be distributed, reproduced, or redistributed or passed on directly or indirectly to any other person, whether within or outside your organization or firm, or publi
Slide 4: Glossary of Terms
Glossary of Terms Terms Used Meaning AePS Aadhaar-enabled Payment System Adhikari Adhikari is a nomenclature used to address the merchants/entrepreneurs who work on Spice Money platform BBPS Bharat Bill Payment System m-ATM Refers to mini ATM or Mobile ATM. A service that enables customers to withdr
Slide 5: Table of Contents
1 Spice Money Performance Snapshot 2 Spice Money: Financial Highlights Digispice Technologies: Table of Contents 3 Consolidated Financial Highlights 4 Spice Money: Key Business Update 5 Our Business Model 4
Slide 6: Spice Money Performance Snapshot – FY23 Vs FY22
Spice Money Performance Snapshot – FY23 Vs FY22 FY 23 Rs. 100,602 Cr Rs. 949 Cr Rs. 401 Cr Rs. 145 Cr Rs. 9 Cr 12 L + 2.29 L + 6,458 Service Fee Service Fee No. of No. of No. of Customer Revenue EBITDA Revenue GM Adhikaris Villages Blocks GTV FY 22 Rs. 83,513 Cr Rs. 858 Cr Rs. 341 Cr Rs. 114 Cr Rs.
Slide 7: Spice Money Performance Snapshot – Q4 FY23 Vs Q4 FY22
Spice Money Performance Snapshot – Q4 FY23 Vs Q4 FY22 Q4 FY 23 Rs. 25,505 Cr Rs. 228 Cr Rs. 101Cr Rs. 38 Cr Rs. 3.5 Cr 12 L + 2.29 L + 6,458 Service Fee Service Fee No. of No. of No. of Customer Revenue EBITDA Revenue GM Adhikaris Villages Blocks GTV Q4 FY22 Rs. 24,320 Cr Rs. 239 Cr Rs. 101 Cr Rs. 3
Slide 8: Spice Money – Financial Highlights
Spice Money – Financial Highlights Growth FY20-FY23 Growth Growth Particulars (Rs. Crs) FY20 FY21 FY22 FY23 Q4FY22 Q3FY23 Q4FY23 Y-oY CAGR Q-o-Q Y-o-Y Customer GTV (A) 22,155 46,178 83,513 1,00,602 20% 66% 24,320 24,913 25,505 2% 5% Revenue 250 578 858 949 239 230 228 - Service Fees (B) 98 190 341 4
Slide 9: Spice Money – Breakup of Core & New Business Lines
Spice Money – Breakup of Core & New Business Lines Particulars (Rs. Crs) FY20 FY21 FY22 FY23 1. Revenue 250 578 858 949 - **Core Business Lines 248 574 839 928 - **New Business Lines 3 4 20 21 2. Gross Margin 44 79 127 165 - Core Business Lines 43 78 121 158 - New Business Lines 1 2 7 7 3. EBITDA (A
Slide 10: DiGiSPICE Technologies – Consolidated Financials Summary
DiGiSPICE Technologies – Consolidated Financials Summary Growth FY20-FY23 Growth Growth Particulars (Rs. Crs) FY20 FY21 FY22 FY23 Q4FY22 Q3FY23 Q4FY23 Y-oY CAGR Q-o-Q Y-o-Y 1. Revenue 407 712 990 1,015 277 243 252 a.) Fintech Segment 250 578 858 949 11% 56% 239 230 228 -1% -5% b.) Other Segments 157
Slide 11: Spice Money – Key Operating Metrics
Spice Money – Key Operating Metrics Spice Money Service Fee Revenue (INR Cr) 400. 300. 200. 401 341 1% 100. 190 101 99 101 0. FY21 FY22 FY23 Q4FY22 Q3FY23 Q4FY23 Customer Gross Transaction Value (INR. ‘000 Cr) AePS Market share 400 100. 17.2% 20.0% 16.4% 300 57 13.7% 49 5% 15.0% 50. 101 2% 200 11.8%
Slide 12: Spice Money – Key Services Update
Spice Money – Key Services Update AePS GTV (INR. ‘000 Cr) m-ATM GTV (INR. Cr) Recharge GTV (INR. Cr) 60 57 49 15000 12829 13181 594 624 50 650 (4)% (8)% 40 (1)% 437 31 10000 8639 450 -8% (2)% 30 1% (2)% 20 14.2 13.9 14.1 5000 250 159 146 3,314 3,247 3,178 149 10 50 0 0 FY21 FY22 FY23 Q4FY22 Q3FY23 Q
Slide 13: Adhikari - Growing Network
Spice Money Adhikari - Growing Network Spice Money Adhikaris (‘000) Spice Money Adhikari Geographical Presence 1400 1200 1000 1,244 800 1,006 600 400 576 200 241 0 FY20 FY21 FY22 FY23 Strong presence Growing opportunity 12
Slide 14: Current Business Model: Enabling banking in deep rural
Current Business Model : Enabling banking in deep rural Entrepreneurs empowered by Service Partners Spice Money Adhikari App Rural Consumers Banks Cash Withdrawal (Aadhaar) Migrant Workers NPCI Ticket Booking Services Core NBFCs Money Transfer Govt Insurance Cos Insurance Employees Other Payment Par
Slide 15: Building on digital stacks to solve for lack of access in Rural India
Building on digital stacks to solve for lack of access in Rural India Internet penetration in Internet ONDC Rural : 336 million users Democratizing commerce 46 crore Jan Dhan Bank Current Emerging JAM Accounts, 130 cr Aadhaar penetration Digital Digital Democratizing credit OCEN Democratizing bankin
Slide 16: Building the Super App for Bharat
Building the Super App for Bharat Core Business Lines New Business Lines • m-ATM • CASA • Digital payments • Cash • Cash Deposit • CRM Basic Entrepreneur Withdrawal • Balance Enquiry • Khata Banking Solutions • Remittance Healthcare • E-Pharmacy Services • Digital Payment Payment/ • Diagnostics • Bi
Slide 17: Thank You
Thank You For further queries please contact: Aashvi Shah Adfactors PR +91 98210 43389 Aashvi.shah@adfactorspr.com 16