Digispice Technologies Ltd. · NSE:DIGISPICE

Digispice Technologies — Shareholder Meeting (September 2023)

14 slides from Digispice Technologies's shareholder meeting presentation, Sep 28, 2023

  1. Slide 1: DiGiSPICE Technologies Limited 35th Annual General Meeting

    DiGiSPICE Technologies Limited 35th Annual General Meeting 28th September 2023 1

  2. Slide 2: Emerging India – A Large Addressable Market

    Emerging India – A Large Addressable Market Population 46% Total – 143 Cr • Contribution of India’s rural economy to National income • MSMEs share in National Gross Value Added is about 32% Rural – 65% Jandhan ~50 crore total accounts 11.1 crore ~34 crore rural/semi-urban ~28 crore women holders • T

  3. Slide 3: Emerging India landscape

    Emerging India landscape 1 2 3 India: MSME / Credit Market Savings & B2B eCommerce Nanopreneur Market Investments 6-7 Cr 26L Cr 40L Cr 0.4L Cr #MSMEs today MSME Credit demand today AUM today eB2B GMV today (FY21) • ~5L Cr. directly • 7% HH penetration, • 1% penetration of B2B • 50% in rural areas ad

  4. Slide 4: DPI – Potential Game Changer for Emerging India

    DPI – Potential Game Changer for Emerging India Digital Public Infrastructure (DPI) Current Digital Stacks Emerging Digital Stacks Internet penetration in rural Internet Democratizing commerce ONDC 425 Mn users 50 Cr Jan Dhan Bank Accounts, JAM Democratizing credit OCEN 96%Aadhaar penetration AePS D

  5. Slide 5: Spice Money – Our Right to Play

    Spice Money – Our Right to Play Robust, reliable on-ground GTV from FY23, with network pan India 1 2 66% CAGR over FY20 1,00,602 Cr. 1.24 Mn Customer Adhikaris GTV 6,458 Present Strong presence in Asset Light Deep penetration, 6 Blocks across 99% 3 semi urban towns Model across 2.29L villages Covere

  6. Slide 6: Spice Money – Our Business Model

    Spice Money – Our Business Model Nanoprenuers empowered by Services and Consumers in Services Partners Spice Money Adhikari App Emerging India Migrant Cash Withdrawal Workers Banks Cash Deposit Govt NPCI Remittances Employees NBFCs Collections Bill Payments Merchants Insurance Providers Credit Finte

  7. Slide 7: Spice Money – Our Quarterly Growth

    Spice Money – Our Quarterly Growth 1400 120 101 106 103 101 99 1200 98 100 90 1000 80 80 69 800 56 60 49 1244 1277 600 44 1151 1200 41 1080 1006 903 40 400 802 24 24 25 683 23 576 444 20 200 388 319 193 216 241 175 0 0 Q1FY20 Q2FY20 Q3FY20 Q4FY20 Q1FY21 Q2FY21 Q3FY21 Q4FY21 Q1FY22 Q2FY22 Q3FY22 Q4FY

  8. Slide 8: Spice Money – Our Key Operating Metrics

    Spice Money – Our Key Operating Metrics Spice Money Adhikaris (‘000) AePS Market Share Industry GTV INR'000 Cr Spice Money GTV INR'000 Cr Market Share % 1400 17.2% 1200 350 16.4% 300 57 20.0% 1000 1244 250 13.7% 49 800 1006 31 15.0% 200 600 11.8% 150 276 400 576 251 10.0% 100 14 195 200 50 104 241 0

  9. Slide 9: Spice Money – Our Key Services Update

    Spice Money – Our Key Services Update AePS GTV (INR. ‘000 Cr) mATM GTV (INR. Cr) 60 57 49 15,000 50 12,829 13,181 40 12,000 31 8,638 30 9,000 20 14 6,000 10 2,740 3,000 0 - FY20 FY21 FY22 FY23 FY20 FY21 FY22 FY23 CMS GTV (INR. Cr) Bill Payment GTV (INR. Cr) 20,000 18,026 2,500 2,210 15,000 2,000 10,

  10. Slide 10: Spice Money – Our Emerging Services

    Spice Money – Our Emerging Services New Savings Accounts New Current Accounts 60000 10,000 57,062 7,459 55000 54,879 5,000 3,017 50000 - Q4FY23 Q1FY24 Q4FY23 Q1FY24 No. of Adhikari & Grahak Loans Value of Adhikari & Grahak Loans (INR Cr) 13,256 11,258 19.26 21.94 14,000 1,483 25 12,000 36 20 10,000

  11. Slide 11: Spice Money – Financial Highlights

    Spice Money – Financial Highlights Growth FY20-FY23 Particulars (Rs. Crs) FY20 FY21 FY22 FY23 Y-oY CAGR Customer GTV (A) 22,155 46,178 83,513 1,00,602 20% 66% Revenue 250 578 858 949 - Service Fees (B) 98 190 341 401 18% 60% - Airtime/ Subscription/Device 152 388 518 548 Gross Margin 44 79 127 165 -

  12. Slide 12: 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

  13. Slide 13: DiGiSPICE Technologies – Consolidated Financials Summary

    DiGiSPICE Technologies – Consolidated Financials Summary Growth FY20-FY23 Particulars (Rs. Crs) FY20 FY21 FY22 FY23 Y-oY CAGR 1. Revenue 407 712 990 1,015 a.) Fintech Segment* 250 578 858 949 11% 56% b.) Other Segments** 157 134 132 67 2. Gross Margin 120 118 164 194 a.) Fintech Segment 44 79 127 16

  14. Slide 14: Think Rural, Think Spice Money

    Think Rural, Think Spice Money www.spicemoney.com 14

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