S&U plc · LSE:SUS
S&U — Investor Presentation (May 2019)
22 slides from S&U's investor presentation, May 15, 2019
Slide 1: Welcome
Welcome Advantage Finance Ltd Investor Presentation 15th May 2019
Slide 2: Keith Charlton: Introduction and overview of Advantage Finance Ltd
Keith Charlton Deputy Managing Director Introduction and overview of Advantage Finance Ltd
Slide 3: 19 years of continued profit growth
19 years of continued profit growth
Slide 4: Last 6 years loan profiles
Average Loan profile Number of loans Advance Cost of Sales Interest Rate flat p.a. Original term in months Last 6 years loan profiles
Slide 5: Profit per Employee comparison
Profit per Employee comparison
Slide 6: Advantage have averaged over 15% ROCE during the last 12 years
Advantage have averaged over 15% ROCE during the last 12 years
Slide 7: Slide 7
Slide 8: Alan Tuplin: Customer Acquisition, Credit Risk and Affordability
Alan Tuplin Credit Risk Director Customer Acquisition, Credit Risk and Affordability
Slide 9: Routes to market for Advantage
Route’s to market for Advantage Dealer Direct and Dealer Broker led……… Internet Broker led……..
Slide 10: Assessment process for over 100,000 applications per month
Assessment process for over 100,000 applications per month Decision to Dealer/Broker Offer made to the customer Total process time for 95% of all applications is less than 10 seconds
Slide 11: Credit Assessment and Affordability
Credit Assessment and Affordability (The 10 second process) Raw credit data taken from Affordability algorithm based on data from all external sources. Income confirmed in all cases. (70% of cases income is verified electronically, manual proofs for others) Merged and De-duplicated in house to creat
Slide 12: How those applications progress into written business
How those applications progress into written business 112,000 Applications per month 86,000 rejected applicants for credit and/or affordability reasons 26,000 Approvals given to introducers 2,000 Completed deals that meet the customer, introducer and our requirements Distribution into 13% 21% 19% 19
Slide 13: Fully automated e-sign process for the customer
Fully automated e-sign process for the customer The customer is sent an email and text link to the e-sign process or it can be arranged for the e-sign process to take place within the motor dealership. Once the customer ‘clicks’ the link they are presented with an extended version of the following p
Slide 14: [acone > conn Veen > Anant Sng > _UnndOnos
[acone > conn Veen > Anant Sng > _UnndOnos THANK YOU Good news the documentation has been successfully signed, These documents will now be checked and processed by Advantage Finance, Ifyou have any questions about your application please refer to the contact detalls provided on the covennng email or
Slide 15: Keith Charlton: Compliance, Audit and Technology
Keith Charlton Deputy Managing Director Compliance, Audit and Technology
Slide 16: Conduct & Operational Risk – Embedded '3 lines of defence' model
Conduct & Operational Risk – Embedded ‘3 lines of defence’ model Internal Policy Management Compliance Monitoring Independent Internal Audit Function (RSM)
Slide 17: PolicyHub
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Slide 18: Technology has always been an important key to success
Technology has always been an important key to success From day one we took the decision to develop our own Customer Relationship Management (CRM) platform from the ground up. After 20 years and over 10,000 release versions we continue to benefit from an ever evolving, market leading CRM system that
Slide 19: That system is what we call Office Automation
That system is what we call Office Automation……….
Slide 20: Future developments for Advantage website
Future developments for Advantage website…..
Slide 21: and online customer self-management
……………..and online customer self-management
Slide 22: Thank you
Thank you Guy Thompson Managing Director guythompson@advantage-finance.co.uk Keith Charlton Deputy Managing Director keithcharlton@advantage-finance.co.uk Alan Tuplin Credit Risk Director alantuplin@advantage-finance.co.uk Advantage Finance Ltd Unit 7 Acorn Business Park Moss Road Grimsby DN32 0LW 0