Choice International Limited · NSE:CHOICEIN
Choice International — Q3 FY23 Earnings Presentation
25 slides from Choice International's earnings presentation, Jan 13, 2023
Slide 1: Exchange cover letter for investor presentation
Choice The Joy of Earning REF: CIL/CC/69/2022-23 January 13, 2023 To The Manager, The Manager, listing Department listing & Compliance Department SSE Umited National Stock Exchange of India limited P.J. Towers, Exchange Plaza, Sandra Kurla Complex, Dalal Street, Sandra East, Mumbai- 400051 Mumbai- 4
Slide 2: Q3 FY23 Earnings Presentation
Commitment to provide Financial Excellence Choice International Ltd. (BSE: 531358, NSE: CHOICEIN) Q3 FY23 Earnings Presentation Choice The Joy of Earning
Slide 3: MD's Note
Choice The Joy of Earning MD’s Note ‘As we enter the final quarter of the year, we are pleased to report that Choice continues to perform well and meet its financial targets. (Our revenue for the year is on track to exceed expectations. Choice has delivered revenue of Rs. 984 Mn, which represents a
Slide 4: Company Overview
Choice The Joy of Earning Company Overview One of the leading conglomerate providing tech-led financial services Ranked 15th amongst top broking firms in India Strong Research Desk for both Institutional and Retail Investors &S 30K+ = © 2K Choice Business Team Strength Associates —_ Choice Internati
Slide 5: A diversified mix for sustainable business
Choice The Joy of Earning A diversified mix for sustainable business Choice FinX Choice Money Stock Broking, Mutual Funds, Insurance NBFC A% a 68% al% y Mbps 640K 263K+ Rs. 3.24 Bn 0.01% Demat Accounts Active Accounts Loan Book NNPA a 19% a 1% 4 ia Rs. 206 Bn Rs. 3,630 Mn 271% 57.91% Stock Broking A
Slide 6: Q3 FY23 and 9M FY23 Highlights
Choice The Joy of Earning Q3 FY23 and 9M FY23 Highlights Q3 FY23 Revenue (Rs. Mn) Q3 FY23 EBITDA (Rs. Mn) Q3 FY23 PAT (Rs. Mn) 934 984 Driven by high 274 263 Increased 154 Despite having traction in Choice ‘adoption of 136 139 incurred erourd 7 787785 FinX and higher 224 Choice Fink Rs. 30 Mn in 6 r
Slide 7: FinX - Stock Broking
Choice FinX - Stock Broking An end-to-end broking ecosystem for capital markets access No. of Active Clients (000) No. of Demat Accounts (000) Ranking as per NSE’s active UCC List (254 33 Se | | ie | Mor20. Mor2)— Mar22——‘Dec 22 640 463 a i [ Dec 22 Mor20 Mar2l— Mar 22 Attracted by high success rati
Slide 8: FinX - Mutual Funds
Choice FinX - Mutual Funds Diverse product mix for better investments with latest techniques and tools to ensure maximum growth of portfolio Choice The Joy of Earning SIP Book (Rs. Mn) Transaction Count (000) No. of Folio (000) 40 3ry22 GiY22 alFY23 a2FVes aBFYZS By offering goal oriented basket to
Slide 9: FinX - Insurance
Choice FinX - Insurance Rapid expansion via new branches, Steadily increasing client base including marquee corporates + Online Platform for motor and health insurance products for instant quotes, comparison and policy issuance. Focus on building product specific specialized teams to ensure suitable
Slide 10: FinX - Financial Services Super App
Choice FinX One Customer, One Platform - Financial Services Super App Choice The Joy of Earning + Choice FinX is a Super app which provides leverage and convenience to a user to invest in a suite of financial instruments under one roof offering everyday finance with complete investing solutions. + T
Slide 11: Trading APIs
Choice Trading APIs Developed Scalable, Easy & Fast APIs for Algos. Anyone can connect Algos, strategies & marketplace with Choice Trading APIs. These Trading APls can be used by any FinTechs / Startups / Algo traders or anyone who wishes to create a custom investment or trading interface. Key Quart
Slide 12: In-house Technology Expertise
In-house Technology Expertise In-house technological arm to build digital products for all our business divisions + Certified with ISO 9001:2008, ISO/IEC 27001:2013, CMMI Level 3. + Indigenously built Super app “Choice FinX" and constant updates from the team to keep up with trends. + Proactive iden
Slide 13: Money - NBFC
Choice The Joy of Earning Choice Money - NBFC MSME focused digital lending and payment solutions Loan Book Value (Rs. Mn) Book Value Our Offerings 3,368 MSME Term Loan Asaresut of 3210 288 327 3235 becoming dgtel and Digital eee ey igitat From Rs. 203 Mn, MSME Flexi Credit customers to obtain The Di
Slide 14: Advisory Services
Choice The Joy of Earning Advisory Services QB i Management Consulting Investment Banking Infrastructure Consulting Government Advisory + Includes business advisory, + SEBI registered category-I + Provides feasibility assessment + Expert advisory services to transaction advisory, taxation, merchant
Slide 15: Connect
Choice The Joy of Earning Choice Connect To enable individual agents to become full service financial advisors with the help of proprietary engine, engaging trainings and digital execution of services + B2B2C business model providing Tech led financial services with a human touch. Total No. of CBAs
Slide 16: Consolidated Financial Performance - Quarterly
Consolidated Financial Performance - Quarterly Particulars (Rs. Lakhs) Revenue from Operations. Other Income Total Income Employee Benefit Expenses Finance Costs Depreciation and Amortisation Expenses Administrative and Other Expenses Total Expenses PBT Tax Expenses Share of Profit from Associate Lo
Slide 17: Consolidated Financial Performance - Quarterly
Consolidated Financial Performance - Quarterly Particulars (Rs. Lakhs) Revenue from Operations. Other Income Total Income EBITDA EBITDA Margin EBIT EBIT Margin PBT PBT Margin PAT PAT Margin Q3 FY23 9,634 209 9,843 2,631 26.7% 2499 254% 1841 18.7% 1,390 14.1% Q3 FY22 6734 38 6,772 2,244 33.1% 2149 31
Slide 18: Board Members
Choice The Joy of Earning Board Members Board with extensive experience across businesses CA Subodh Kumar | Mr. AK. Thakur | CA Sudha Bhushan | Mr. Sandeep Singh | Mr. Kanhaiya Lal Berwal Agarwal Independent Independent Independent Independent Directo Director Director Director Director = a = == Inv
Slide 19: Current Entity Structure
Choice The Joy of Earning Current Entity Structure CHOICEIN 100% 100% 100% 50% 67.84% Choice Choice Corporate Choice Choice Shreeyam Wealth Services Connect Tech lab Securities 100% 100% 100% 100% 100% Choice International Ltd
Slide 20: Environmental, Social and Governance
Environmental, Social and Governance = Improving equal ‘opportunity practices by increasing participation of women @ & people with ‘disabilities in its = workforce. Well-established Financial services business. Implementing ISO 37001 certified anti-bribery management system, Governance Em 209 ce Pro
Slide 21: Geographical Presence
Choice _ The Joy of Earning Geographical Presence Mumbai - (Head office) Agra Coimbatore Jalgaon Madurai Sikar - 1 Ahmedabad Daman Jhamshedpur Mangalore Sikar - 2 Ahmedabad -2 Delhi - 1 Jhunjhunu - 1 Marol (Mumbai) Surat Ahmednagar Delhi - 2 Jhunjhunu - 2 Mysore Thane 2 Ajmer Dhanbad Jodhpur Nagpur
Slide 22: Media Presence
Media Presence Extensive coverage by Television, Digital, Print and Social Media News and Print Media Se goo Gatcline 060 MB cnbe GING. BusiiiésLine s2 Tvis cisst] ss Zz Bloomberg aATast Tue EcoxomeTive Business Standard FE FINANCIAL TIMES Follow Us on:- 58.6K Subscribers 126K Followers 17.5K Follow
Slide 23: Memberships and Certifications
Memberships and Certifications Registered across exchanges in India Memberships And Registrations Certifications Choice The Joy of Earning Auditors @NSE 3SE ISO/IEC 27001:2013 Certified Insights © NCDEX Fpl rN : me “ i : our cmmi, - A Member firm of BDO MSKA & Associates Chartered Accountants
Slide 24: Disclaimer
Choice The Joy of Earning Disclaimer Certain statements in this presentation concerning our future growth prospects are forward looking statements, which involve a number of risks, and uncertainties that could cause actual results to differ materially from those in such forward-looking statements. T
Slide 25: Thank you
"Thank you