Paisalo Digital Ltd. · NSE:PAISALO
Paisalo Digital — Non-Deal Roadshow (September 2024)
20 slides from Paisalo Digital's roadshow presentation, Sep 11, 2024
Slide 1: Schedule of Non-deal Roadshows / Investor Meet intimation
Date: September 11, 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 : PAI
Slide 2: 2024 Investor Presentation
Slide 3: Paisalo Snapshot Q1 2025
Paisalo Snapshot Ql 2025 Operational Asset Liability Financials CB 21States and UTs ~ ~ ~46,001mn AUMQ1FY25 (;;;\ ~ ~26,89~ ~~ Total LIability o ~ ~415mn PAT for Q1 FY25 8 2,884 Touch Points ~ ~ ~6,521mn Disbursements for Q1 FY25 o ~ ~18,436mn Bank Borrowings ~ ~ ~1,866mn Revenue (;;,;\ 1,208 Bankin
Slide 4: Company Overview
Company Overview Key highlights (Q1 FY25) .'~'" • I I~ • \ ~'.; . . ~66,608 mn crores 36.80% 6.22% . ; rv1arket Capitalization Standalone CAR Net Interest Margin . 2,884 1,349 Distribution Points Touch Points . ,_. Long Term Ratings Short Term Ratings 0.02% NNPA AA(Stable Outlook) A1+ Strong returns
Slide 5: Key Ratios
Key Ratios Cost of Funds Net Interest Margin (NIIM) Net Worth ( ~ in Million) 1298% 12.61% 6.42% 6.22% 13,658 4.53% 12.31% 13,211 4.03% 10.93% 11.22% 5.50% 4.05% 4.03% 11,610 10,241 8,619 2.66% 3.09% 3.02% FY21 FY22 FY23 FY24 Ql FY25 FY21 FY22 FY23 FY24 Ql FY25 FY21 FY22 FY23 FY24 Ql FY25 FY21 FY22
Slide 6: Strong financial performance and consistent profitability
Strong financial performance and consistent profitability Gross and Net NPA Capital Adequacy Ratios 1.52% 1.26% 42.92% 40.34% 35.92% 36.80% 0.25% 0.21% 0.21% 0.02% 0.02% 0.02% FY22 FY23 FY24 Q1FY25 FY22 FY23 FY24 Ql FY25 Gross NPA (%) Net NPA (%) Tier 2 Tier 1 Debt to Equity 6.42% 1.91 6.22% 5.50% 1
Slide 7: Asset Quality Trend
Asset Quality Trend 0.28% - 0.24% 0.23% 0.21% 0.21% 0.04% 0.02% 0,01% 0.02% , 0.02% Ql FY24 Q2 FY24 Q3 FY24 Q4 FY24 Ql FY25 GNPA (~in Million) NNPA (~ in Million) GNPA % NNPA %
Slide 8: Funding sources
Funding sources Funding Mix ..with ready access to debt and equity capital markets ./- Listed for more than 28 years NCD& Other debt Banlcs63.39% instruments 28.90% .- .- 1<- 1FPO in 2009 Non-Banlc 7.71% Dividend paying since inception (10%) Total borrowings as of Ql FY25 (INR in Millions) Over 68k
Slide 9: Focus on scaling up the retail asset-light business model
Focuson scaling up the retail asset-light business model Co-lending Operational Arrangements Collaboration with banks for sourcing and servicing Riskand Reward Shoring Co-lending involves 80:20 participation Recognize 20%of total loan amount on the balance sheet. Co-lending loans Customer rate blend
Slide 10: Market Opportunity
Market Opportunity The •• • low oVCBlablhty of small loans frcrn Bonk's low cost of funds and •• Finoncio Institulti:iris,~r.' ";:'" '.,,' ... ~,!<::'_' - _. • .High operotio~orc~;l of bonks, inhibits The ; Paisalo's low cost of operotions 'Iendtng vOlume~ ?n small loons, ) results In lowest borrowi
Slide 11: Geographic reach
Geographic reach Wide geographic reach with 2884 Touch Points Company's growth strategy across 21states in India Scale-up the retail co-lending business model Continue to focus on maintaining a robust balance sheet through strong capital adequacy and NNPAlessthan Types of Touch Points Number 2% Bran
Slide 12: Co-lending Process flow
Co-lending Process flow Sourcing and Credit •••••••• + ••••• ~ ••••••••••••••••••••••••••••••••••••••••••••••••••••• _ ••••••••• - -_- ••••• •••••••••••••••••• ••• ••••• •••••••• • •••••••••••••••••••••••••••••••••• - ••••• --.--.-- •• ,-----_ •••••••••••••••• - •••••••••••••••••••••••••••••••••••••
Slide 13: WIN WIN WIN
WIN WIN WIN BANK NBFC • Increased priority sector lending without much Opex • Access to a larger customer base • Meets GOI's and RBI'sFinancial Inclusion commitments • Reduced capital Dependency by down selling of 20% • Better asset diversification • Enhanced risk management • Access to PDL'sexperti
Slide 14: Resilient Business Model
Resilient Business Model • Continued focus on • Robust and biometric • In-house LOSand LMS • In-house AI and • Leveraging on ground the customers from KYCverification process machine learning feet on street for semi urban and rural solutions robust collection • Supported by state of process areas •
Slide 15: EWS Framework
EWS Framework Foctorsjtnput Sources Data Processing Impact • Geo Political Events • Data driven Rule Based • Proactive RiskManagement differential credit detect and manage early sign • Geo Spatial Data of stress • Automated Triggers on • Changes to Macro Indicators Business,depending on geo • Improv
Slide 16: Balance Sheet
Balance Sheet (~in Million) Particulars FY24 FY23 YoY% Capital & Liabilities - .- - -----~- - - --- -- --- Co pital 898.11 449.08 100% .- _- ---~ -- - -- ---- .- - _" - serves & Surplus 12,396.06 11,176.29 10.9% --~. - - - s - - ngs 26,553.97 21,171.88 25.42% -- Other Liabilities & Provision 1,383.7
Slide 17: Profit & Loss
Profit & Loss (~in Million) Interest Income From loans 1,650.92 1,222.80 35.01% 4,650.21 Total Interest Income 1,650.92 1,222.80 35.01% 5,889.79 4,650.21 Finance Cost 830.81 596.97 39.17% 2,700.73 2,086.70 Other Interest Total Finance Cost 830.01 596.97 39.17% 2,700.73 2,086.70 Net Interest Income 8
Slide 18: Board of Directors
Board of Directors .. Mr. Sunil Agarwal Mr. Harish Singh Mr. Santanu Agarwal Mr, Anoop Krishna Managing Director & CEO Executive Director & CFO Deputy Managing Director Executive Directar Sontanu, B.Cam LLB, played a prvotol role In Veteran Banker With over 30 yeors of 30 yeors of experience. Incorp
Slide 19: Safe Harbor Statement
Safe Harbor Statement PAISALODIGITALLIMITED NSE: PAISALO BSE: PAISALO BLOOMBERG: PAISALO:IN ~ This document contains certain forward - looking statements based on current expectations of Paisalo Digital Limited's management. Actual Resultsmay vary significantly from the forward - looking statements
Slide 20: Contact details
Phone: +9111 43-51-8888 Email: ir@paisalo.in Website: www.paisalo.in