Slide 1: Exchange filing letter: investors presentation for Q3 FY23
Date: 31st January, 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
Slide 2: Future Ready Platforms – Q3FY23 Investor Presentation
Future Ready Platforms Q3FY23 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: Digital Technology Services
Digital Technology Services ~95% of Revenues ~5% of Revenues India’s leading Digital platforms and rural fintech platform solutions for telcos, BFSI, other enterprises 4
Slide 6: Revolutionizing the Way Bharat Banks
Revolutionizing the Way Bharat Banks 12L+ Rs 1,61,000 17.1% AePS* Adhikaris Crore GTV* Market Share Making financial services accessible to India’s rural citizens 6,450+ 2,26,000+ 18,800+ Blocks Villages Pin Codes Covered Covered Covered Achieving Deep Penetration at Village and Block Level *Gross T
Slide 7: Substantial Addressable Rural Market
Substantial Addressable Rural Market 46% Jandhan Contribution of India’s rural economy to 46 crore accounts National income R 31 crore rural/semi-urban 26 crore women holders 35 crore Aadhaar People employed in rural India, 68% of workforce 132 crore residents covered in India 33.6 crore Mobile Inte
Slide 8: Unique Rural market characteristics
Unique Rural market characteristics URBAN RURAL Specialized merchants for different lines Merchants One merchant providing multiple services of business Urban Population Relationships Transaction led relationships Community led relationships 41 crore Trust Trust driven by Advertising Trust driven by
Slide 9: Leveraging digital stacks to solve for lack of access in Rural India
Leveraging 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 banking
Slide 10: Building the Super App for Bharat
Building the Super App for Bharat Live Offerings Planned Launches • Savings • m-ATM • CASA • Investments • Cash • Cash Deposit Financial Basic • Insurance Withdrawal • Balance Enquiry Services Banking • Credit • Remittance E-commerce • Assisted Shopping & Services Delivery • Digital Payment Payment
Slide 11: 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 12: Moving to a Larger Opportunity
Moving to a Larger Opportunity Built the largest Building largest Moving beyond Building direct to Building Deep ATM banking banking & financial consumer platform Cash Collection – enabled by the network (AePS & Network financial services services with digital Adhikari m-ATM) platform digital servic
Slide 13: Spice Money – Key Operating Metrics
Spice Money – Key Operating Metrics Spice Money Adhikaris (‘000) Spice Money Service Fee Revenue (INR Cr) 400. 33% 1400 4% 300. 1200 1000 1151 1200 10% 200. 800 1006 341 1% 903 600 100. 190 400 576 98 90 98 99 200 241 0. 0 FY20 FY21 FY22 Q3FY22 Q2FY23 Q3FY23 FY20 FY21 FY22 Q3FY22 Q2FY23 Q3FY23 Custo
Slide 14: Spice Money – Key Services Update
Spice Money – Key Services Update AePS GTV (INR. ‘000 Cr) m-ATM GTV (INR. Cr) 49.2 12829 50 12000 40 30.9 10000 8639 -2% 30 12% 8000 20 13.8 13.9 13.9 6000 12.4 10 4000 3,316 3,241 3,247 2740 0 2000 FY20 FY21 FY22 Q3FY22 Q2FY23 Q3FY23 FY20 FY21 FY22 Q3FY22 Q2FY23 Q3FY23 Bill Payment GTV (INR. Cr) 10
Slide 15: Spice Money – Key Services Update
Spice Money – Key Services Update CMS GTV (INR. Cr) Recharge GTV (INR. Cr) 12000 10,835 600 10000 500 594 8000 40% 400 5% 9% 437 6000 4,707 300 -8% -8% 4,310 4000 3,362 200 2000 100 163 161 411 141 149 13 0 0 FY20 FY21 FY22 Q3FY22 Q2FY23 Q3FY23 FY20 FY21 FY22 Q3FY22 Q2FY23 Q3FY23 Travel GTV (INR. Cr
Slide 16: Spice Money – Financial Highlights
Spice Money – Financial Highlights FY20- Growth Growth Growth Particulars (Rs. Crs) FY20 FY21 FY22 FY22 Q3FY22 Q2FY23 Q3FY23 9MFY22 9MFY23 CAGR Q-o-Q Y-o-Y Y-oY Customer GTV (A) 22,155 46,178 83,513 94% 22,021 24,421 24,913 2% 13% 59,193 75,097 27% Revenue 250 578 858 214 240 230 619 720 - Service F
Slide 17: Incremental Indirect costs - 9MFY23 vs 9MFY22
Incremental Indirect costs - 9MFY23 vs 9MFY22 Incremental Indirect Cost ~Rs 48 Cr Incremental Investments in Employee and Related (Rs. ~117 Cr 9M FY23 vs ~Rs. 69 Cr 9M FY22) Costs ~Rs 39 Cr (81% of ~Rs 48 Cr) 6% 14% 7% 5% 2% 6% 30% 49% 81% Employees and Related Costs Call Centre Vendor Costs Technol
Slide 18: DiGiSPICE Technologies – Consolidated Financials Summary
DiGiSPICE Technologies – Consolidated Financials Summary Particulars (Rs. Crs) FY20 FY21 FY22 Q3FY22 Q2FY23 Q3FY23 9MFY22 9MFY23 1. Revenue 407 712 991 248 257 243 713 763 a.) Fintech Segment* 250 578 858 214 240 230 619 720 b.) Other Segments 157 134 132 34 17 13 94 43 2. Gross Margin 120 119 164 4
Slide 19: Thank You
Thank You For further queries please contact: Aashvi Shah Adfactors PR +91 98210 43389 Aashvi.shah@adfactorspr.com 18