MoneyBoxx Finance Ltd. · NSE:MONEYBOXX
MoneyBoxx Finance — Q3 FY22 Earnings Presentation
14 slides from MoneyBoxx Finance's earnings presentation, Feb 10, 2022
Slide 1: Investor Presentation cover letter to BSE
MONEYBOXX FINANCE LIMITED is M O N FEY B Ox X (Formerly Dnanuka Commercial Limited) CIN - L3Q007DL 1994PLC260191 Redg.Off.:523-A,Somdutt Chambers-ll, 9,Bhikaji Cama Place,New Delhi-110066, India Contact No. 0124-4488245 E-mail:inio@moneyboxxfinance.com www.moneyboxxfinance.com To, Dated: February 10
Slide 2: Board Meeting Financial Results Q3 & 9M FY22
MONEYBOXX FINANCE LIMITED Board Meeting Financial Results: Q3 & 9M FY22 ending 31st Dec 2021 10 February 2022
Slide 3: Disclaimer
Disclaimer This document may contain certain forward-looking statements. These statements include descriptions regarding the intent, belief or current expectations of the Company or its directors and officers with respect to the results of operations and financial condition of the Company. Such forw
Slide 4: Agenda
Agenda Highlights of Q3 & 9M FY22 About the Company Business Performance Update Review of Financial Position Moneyboxx Finance Limited – Disbursements – Prudent Capital Management Fast-growing, new-age NBFC Business rebounded strongly in Q2-Q3 Strong Capital Adequacy after a dip in Q1 due to COVID R
Slide 5: Who we are – Moneyboxx Finance Limited
Who we are – Moneyboxx Finance Limited Building a scalable and profitable business with financial inclusion at heart Fast-growing, tech-driven, BSE-listed NBFC Small unsecured business loans ₹ 100k-300k in Tier-3 and below places MISSION STATEMENT Starting secured business loans ₹ 300k-700k from Feb
Slide 6: Journey so far – Robust systems & processes ensured success despite COVID
Journey so far – Robust systems & processes ensured success despite COVID Successfully scaled up operations in a span of three years Data as on Dec 2021 We today are… 23 branches 9,685 live customers 4 5 1 275 employees ₹ 93.1 crores AUM 8 ₹ 155 crores 17 lenders 5 disbursements BRANCHES DEC’20 DEC’
Slide 7: Business normalized from July 2021 after second COVID wave
Business normalized from July 2021 after 68.7% Growth YOY Disbursement grew 68.7% to ₹33.15 crore in Q3 FY22 33.15 second COVID wave 31.77 vs. Q3 FY21 25.07 19.65 14.30 Strong disbursement 10.44 10.70 Business resilient so far in growth with focus on Q4FY22 and long-term essential sectors prospects
Slide 8: Diversified AUM across sectors and geographies
Diversified AUM across sectors and geographies Focus on essential sectors provide stability AUM by Sectors (INR crores) Geographic diversification lends stability Livestock & Kirana 93.09 sectors provide resiliency Improved geographic diversification with no 6.5% single state accounting for more tha
Slide 9: Exceptional collection efficiency even during stress periods
Exceptional collection efficiency even during stress periods Testimony of strong underwriting standards and collection efficiency at Moneyboxx Collection % declined from April 2021 due to severe lockdowns in Q1 FY22 & no moratorium. Trend expected to come back to 99%+ from Q1 FY23 onwards with impro
Slide 10: Resilient Portfolio
Resilient Portfolio Strong and stable asset quality with very low NPAs Very Low NPAs Adequate ECL Provisions and low write-offs 0.89% 0.71% 0.67% 0.60% 0.57% 0.68% 0.49% 0.45% 0.37% 0.40% 0.30% 0.34% 0.22% 0.20% 0.19% 0.21% 0.20% (Write-offs) 0.10% 0.11% 0% (₹ 10.5 Lacs) (₹ 12.9 Lacs) (₹ 18.9 Lacs)
Slide 11: Prudent Capital Management
Prudent Capital Management Stronger balance sheet after Equity fund raise of INR 14.42 crore in Q3 and Tier-II Capital raise of INR 6.61 crore in H1 Continuous validation of model by lenders Adequately capitalized for growth Strong Capital Adequacy: 41.80% as of Dec’21 Cumulative debt raise Raised ₹
Slide 12: Path to Profitability
Path to Profitability Strong unit economics, rising scale of operations and improving productivity to drive profitability Growing Income with rising scale of operations Profitability to improve with rising scale Branch unit Further productivity Income growth of economics remain improvement, higher 1
Slide 13: 9M FY22 – Other Important Updates
9M FY22 – Other Important Updates Diversification of funding sources and lowering of Equity capital raise Impact Initiatives funding cost Two securitisation transaction: Raised INR 14.42 crore from non- Appointment of Chief Impact INR 7.42 crores in July 2021 promoter investors in Dec 2021 Officer i
Slide 14: Thank You
THANK YOU Office Address Moneyboxx Finance Ltd, 2nd Floor, Vatika Business Centre, First India Place, M.G. Road, Gurgaon – 122002, Haryana deepakaggarwal@moneyboxxfinance.com www.moneyboxxfinance.com mayurmodi@moneyboxxfinance.com