Paisalo Digital Ltd. · NSE:PAISALO
Paisalo Digital — Non-Deal Roadshow (June 2024)
15 slides from Paisalo Digital's roadshow presentation, Jun 25, 2024
Slide 1: Schedule of Non-deal Roadshows/ Analyst/ Institutional Investor Meet
Date: June 25, 2024 BSE Limited National Stock Exchange of India Limited Department of Corporate Relationship Listing Department 25th Floor P. J. Towers, Dalal Street Exchange Plaza, Bandra Kurla Complex Mumbai -400 001 Bandra (East) Mumbai -400 051 SCRIP CODE : Equity-532900 SCRIP SYMBOL : PAISALO
Slide 2: Corporate Presentation
PAISALO EASY LOAN 3S it ¥ - + ee
Slide 3: Safe Harbor Statement
Safe Harbor Statement The following applies to this document, the oral presentation of the information in this document by Paisalo Digital Limited (the “Company”) or any person on behalf of the Company, and any question-and-answer session that follows the oral presentation (collectively, the “Inform
Slide 4: Overview
1 OVERVIEW PA ISA LO D IG ITA L LI MI TED
Slide 5: Company Overview
Company Overview Engaged in the business of providing convenient and easy loans to the financially excluded at bottom of India's economic pyramid Classified and regulated by RBI as a ( Non-Deposit Accepting ) Systemically Important Middle Layer NBFC Rated : AA (Stable Outlook) and A1+ (Commercial Pa
Slide 6: Positioned for Growth
POSITIONED FOR GROWTH 2 Early Mover advantage Serviced 4.2Mn + Brand recognition in in Co-lending customers area of operations High Tech : High Innovative - Focussed Touch on continuous Business Construct - Engage & transact innovation to Delivers a NNPA of without friction to transform customer <2%
Slide 7: Our Strengths
OUR STRENGTHS
Slide 8: Key Strengths
Key Strengths Market Opportunity Leadership 1 2 3 4 5 Co-Lending Business Model Presence & Partnership Financial & Operating Performance
Slide 9: Co-Lending Business Model (1/2)
Co-Lending Business Model (1/2) CO-LENDING Paisalo Digital Ltd. has entered into co-lending loan agreements with several banks, including State Bank of India, Bank of Baroda, UCO Bank, Punjab National Bank, and Karnataka Bank. Our Strength Co-lending paves the way of combining bank's lower cost of f
Slide 10: Co-Lending Business Model (2/2)
Co-Lending Business Model (2/2) Net NPA & Gross NPA % 1.56% Lower Risk Profile & Competi tiv e Adv a nt a ge 0.72% Under Co-Lending Paisalo maintains a lower risk profile, setting it apart from peers in the market. This differentiation is 1.26% 0.25% 0.21% attributed to our strategic partnership wit
Slide 11: Market Opportunity
Market Opportunity The Problem The Solution • Low availability o f small loans from Financial Institutions Bank’s lower cost of funds and Paisalo’s lower cost of • High operational cost o f banks, inhibits lending volumes on small loans operations results in lower borrowing cost to the customer • Hi
Slide 12: Our Presence & Partnerships
Our Presence & Partnerships 2,455 Strategic alliance with State Bank of India and Bank of India TOUCH POINTS as Business Correspondent partners 279 Branches 1,203 Banking solutions to unbanked & underbanked groups at an Distribution Points affordable cost, promoting financial inclusion 973 Services
Slide 13: Our Leadership
Our Leadership Mr.Sunil Agarwal Mr. Santanu Agarwal Mr. Gauri Shankar Managing Director & CEO Deputy Managing Director Independent Director 3 0 years of experience, incorporated Santanu, B.Com LLB, played a pivotal 3 0 years+ experience in the field of Paisalo and took it from Private Entity to role
Slide 14: Financial & Operational Performance
Financial & Operational Performance AuM Interest Income & NIM % Disbursement ₹ in Million ₹ in Million ₹ in Million 6.42% 5.50% 45,860 4.05% 4.03% 35,902 6,587 34,928 25,996 23,178 26,973 4,732 3,115 3,922 14,238 16,343 FY21 FY22 FY23 FY24 FY21 FY22 FY23 FY24 FY21 FY22 FY23 FY24 Interest Income NIM
Slide 15: Thank You
THANK YOU Phone : +911143-51-8888 Email : ir@paisalo.in Website : www.paisalo.in