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www.mybucks.com
M A RC H 2 0 1 8
COMPANY PRESENTATION
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MyBucks offers financial products, through technology, and helps to enhance financial inclusion.
— Dave van Niekerk Founder & Chairman
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Company overview.
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MyBucks is a FinTech company that embraces technology as a
means to provide financial products and services to customers.
MyBucks vision.
UX3.0
Your money.
Simplified.Our digital strategy is all about engaging customers with great experiences,
relevant solutions, efficient low-cost access points, whilst eliminating human
inputs, adding to the speed of delivery.
We empower people.
We push boundaries.
We innovate.
We provide digital financial solutions.
• Banking
• Lending
• Insurance
• Apps/Haraka
• A.I. Chatbots
• A.I. Credit/Fraud
• Budgeting tool
• Credit reports
• Value added services
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1st FinTech player on the continent to provide savings products
The leading FinTech company in Sub-Saharan Africa
Over 2.1 million loans issued with a value of EUR 390 million in less than 5 years since inception
In excess of 1.5 million customers
Default rate of 7.12%
Proprietary credit scoring and fraud detection algorithms
Currently operating 5 banks and 8 MFIs
MyBucks highlights.
Best EU Financial Inclusion Company
2017
MFI operations
Supporting operations
Banking operations
O P E R A T I O N S
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Building a digital bank.
• Our product offering encompasses banking, credit and insurance through an
innovative digital platform.
• Our proprietary credit decisioning and scoring technology and self-learning
algorithms enable us to:
• distribute our products at a highly competitive cost;
• rapidly scale up our business,
• effectively manage our credit risk.
With more than 900 employees, MyBucks has already disbursed over 1.3 million
loans with a value of in excess off EUR 375 million since inception.
EUR Million FY Jun 14 FY Jun 15 FY Jun 16 FY Jun 17 HY Dec 17
Disbursements26.1 64.7 77.2 124.0 90.7
Net loan book 14.6 34.8 38.8 68.5 73.6
Revenue 12.9 29.9 36.2 53.8 58.0
Operatingprofit
4.5 10.1 11.1 10.9 19.5
Operatingprofit margin
35% 34% 31% 20% 34%
Development of proprietary
FinTech platform
OI Banks
Start of mobile and online
lending
Diversified product offering
Digital banking strategy
IPO
Geographical expansion
Key facts Key facts
FinTech pioneer
Product broadening
Country expansion
Transformation
*Information has been annualised
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Credit• SMME loans
• Agriculture loans
• Education Loans
• Personal loans
Insurance• Life insurance
• Legal insurance
• Health insurance
• Funeral cover
Banking• Transactional banking
• Transactional cards
• Savings accounts
• Remittances
We can offer our entire product offering:
from consumer lending, to insurance to both
digital and standard banking services.
Innovation and product offering.
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Loan book analysis.
0
20
40
60
80
100
Aug-17 Sep-17 Oct-17 Nov-17 Dec-17 Jan-18
Agent Branch Online WhatsApp
Gross Loan Book
€93.70mActive Clients
220.21k
Total disbursed
€389.75mTotal number of loans
2 119 756 64.35%
35.65%
Average term in book
14.054.3
31.8434.26
22.03
7.58
0
5
10
15
20
25
30
35
40
18 - 25 26 - 35 36 - 45 46 - 55 55+
Age split (%)
Average age
37.89
2.636.98
23.78
40.46
26.16
0
10
20
30
40
50
0 to 100 101 to 200 201 to 500 501 to 2000 2000+
Euro bracket (%)
Average Euro balance
€425.59
7.14
14.9718.33
39.69
19.32
0.540
5
10
15
20
25
30
35
40
45
1 to 3 4 to 6 7 to 12 13 to 36 37 to 60 61+
Term months (%)
1.35%
24.32%
20.27%21.62%
22.97%
9.46%
0.00%
5.00%
10.00%
15.00%
20.00%
25.00%
30.00%
Agricultural Consumption Education Emergency / Illness
/ Death
Other SME
Customer use of loan proceeds (%)Average Euro disbursement
€279.14
Average disbursement term
6 months
As of February 2018
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MyBucks business model carries an inherent social mission by providing financial solutions to peoplethat would otherwise be financially excluded. MyBucks is proud to have received validation of threesubsidiaries within the group with social impact ratings from international ratings agency MicroFinanza.GetBucks Botswana was awarded a B+ social rating. Opportunity Bank Uganda and OpportunityBank Mozambique were also recognised by the ratings agency with a BB and B+ rating, respectively.The social rating looks at social performance management, client protection systems and alignment tothe social mission of the companies and group.
Facilitated a small business in Kenya
Kevin Opondo, from Bondo in Kenya, owns a small business that sells a variety ofhousehold goods. Since finding the Haraka app online, Kevin has taken outalmost 200 Haraka loans. He uses the loan to purchase stock for his business.
Market stand in MalawiFunds used to pay for a space in the market and buy more stock. “ I paid for aspace in the market and bought my brother ten crates of eggs.” “I am proud that Iassisted my younger brother and made his dream come. Thank you GetBucks.”
Grocery and logistics shop in MozambiqueTino Nhingalela from Beira, Mozambique has taken out 16 loans from MyBucksduring the financial year to fund the stock of his grocery shop. Tino used theloan finance to build his own shop; continued his studies; and saved money tostart a “tchopela” (also known as tuk-tuk) business in addition to his existingbusiness.
Diesel grinding mill in Zimbabwe
Mr G Simango, acquired a loan to invest in a diesel grinding mill.Today his small business thrives and he is thinking of expanding itto more shun areas of his community. Receiving constant praisefrom his fellow villagers, he has managed to employ 5 people.
Doing well by doing good.
Social rating
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Mergers and acquisitions
• OI Tanzania, OI Kenya, OI Mozambique
1 July 2016 - MyBucks concludes the acquisitions of 100% of Opportunity Tanzania Limited, Opportunity Kenya Limited and Banco Oportunidade de Mozambique.
• OI Uganda
1 October 2016 - MyBucks concludes the acquisition of 49% of Opportunity Bank Uganda Limited.
• Fair Go Finance
1 January 2017 - MyBucks enters the Australian market through the acquisition of 75% of Fair Go Finance.
• New Finance bank
24 July 2017 - MyBucks obtains a banking licence through the acquisition of 50% of New Finance Bank Malawi. Consolidated into MyBucks financials from 1 March 2018.
Recent successes.
Listing IPO
MyBucks S.A.
Private placement
Listing date: 9 February 2018
Raised: EUR 11.7 million
Current Market Cap:
c. EUR 155 million
MyBucks SA listed on the Frankfurt Stock Exchange
Listing date: 23 June 2016
Raised: EUR 15.5 million
GetBucks Zimbabwe listed on the Zimbabwe Stock Exchange
Listing date: 15 January 2016
Raised: USD 3.2 million
Current Market Cap:
USD 40 million
Debt facilities
German Fintech Group AG – biw Bank
Date: 23 August 2016
Amount: EUR 8 million
Tenor: 1 year
Rate: 11%
Botswana listed local currency bond
Date: 24 February 2017
Amount: BWP 72 million
Tenor: 3 years and 5 years
Rate: 15% and 18%
Austrian bond
Date: 24 February 2017
Amount: EUR 7 million
Tenor: 3 years
Rate: 8.5%
Norsad
Date: 10 October 2017
Amount: USD 5 million
Tenor: 5 years
Rate: 15%
Zimbabwe listed local currency bond
Date: 24 February 2017
Amount: USD 5.5 million
Tenor: 3 years
Rate: 12%
Deutsche Bank / AATIF/ KfW
Date: 3 July 2017
Amount: USD 5 million
Tenor: 3 years
Rate: 11%
Lendahand
Date: 19 July 2017
Amount: EUR 1.5 million
Tenor: 3 years
Rate: 7% p.a.
Mintos
Date: 15 June 2017
Amount: EUR 1.5 million
Tenor: N/A – P2P Lending
Rate: 14% p.a.
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MyBucks drives continuous innovation
Haraka WhatsApp & Facebook lending
MyBucks phone
• Solving connectivity issue
• Pre-loaded MyBucks app
• Covering data transmission cost for
using the App
• Provide quick instant loans to
those ignored by traditional
banks
• Accessible in remote areas
• No need to visit branch
• Native lending ability without need to install
further apps
• Initial offering includes on-boarding, loan
applications, electronic contracting, balance
enquiry & loan application
• Chat bot is live and improves easy access to
existing functionality
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Technology and innovation.
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Our proprietary FinTech platform.
• Jessie, our proprietary credit decisioning and scoring technology platform, is based on artificial intelligence (AI) algorithms. It considers a number of factors, such as the customer’s behavioural, transactional and credit bureau data, as well as employment information
• FinCloud, our fully cloud-based proprietary loan management system, enables us to manage credit risk, our loan book portfolios, and efficiently serve our customers securely, via the internet, mobile phone and telephone, in real time
• Redundancy provided by tier 1 Data centers in Africa and Europe
• Dexter uses AI algorithms (e.g. clustering and classification) to calculate a client's fraud score based on how close that client's online behaviour matches past fraudulent behaviour of known fraudsters. Clients with high fraud scores are flagged for further review
• Our customer and internal processes are seamless as we fully integrated third party platformsinto our systems (e.g. several govern-ment platforms across the continent)
• Live reporting systems provide management with real-time company performance
• Security is provided through various encryption technologies
• BR.NET is MyBucks banking platform for microfinance banks in the group
• TEMENOS is the banking platform for the retail banks which includes the Opportunity operations
OMNI CHANNEL
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Sim skins / USSDSim skin that enables
recording of USSD wallet
transactions (e.g.
BibiMoney partnership)
Bank transactions for
existing bank clients
Bank accounts
Partnership with MNO
to share data
Cellphone data
Partnership with
Government to share data
Governments
Low-end smarthphone with
Haraka App pre-installed
MyBucks phone
• Social media• Psychometric data• Credit Bureau
What data can be used?AI enables alternative credit data sources
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AI personalities.
JessieCredit scoring
DexterFraud prevention
TessWhatsApp Chatbot
MAICAMyBucks Artificial
Intelligence Collections Algorithm
A.I.
DontePreventing client churn
CharlieLoan uptake
predictor
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Democratising lending.Serving clients with no credit history and/or without a bank account.
Lending to anyone anytime are enabled by two proprietiary flagship AI Systems:
Jessie: Presciptively determine what products a client can afford accoridng to predicted credit risk
Dexter: Detects and prevents fraud by building digital identities of clients according to their online behaviour
AI based frauddetection and prevention
AI based credit risk model
DEX TER JESS IE
Amount of cars
Marital statusCommute distance
ChildrenRegionGender Occupation
Home owner
Age
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Intelligent algorithms.
MAICAMyBucks Artificial IntelligenceCollections Algorithm
Use artificial intelligence to improve collection rate through early
prediction of missed payments and effective communication
• Credit bureau data is received on all active loans each week
• A time series of all active loan clients credit records is maintained and
used for training of an AI system
• The AI system predicts each week which clients will miss their
payments with high probability
• These clients are contacted via sms which allows them to restructure
their loans – thus improving the ability of high risk clients to make
payments
• This is a system to pre-emptively assist high-risk clients that should
lead to lower defaults and thus lower provisions
TESSMyBucks Text-based Virtual Assistant Text-based-Virtual AsSiStant
Use cases:
• Lending – assist with loan applications by predicting intent and
interpreting queries over text based channels such as WhatsApp
and Facebook messenger
• Collections – assist with collections by engaging with customers
over text channels, such as instant messaging apps
• Banking – virtual banker e.g. check balances and perform
transaction in natural language e.g. 'Tess, what is my balance?'
• Insurance - assist with claims, quotations, customer service and
sales
• Customer support on all channels – assist with frequently
asked questions on all channels e.g. website, apps, WhatsApp,
Facebook messenger etc.
• Onboarding – assist with onboarding on all channels across
lending, banking and insurance
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Intelligent algorithms.
DONTEMyBucks Artificial Intelligence Preventing client churn
CHARLIEMyBucks Artificial IntelligenceLoan uptake predictor
Charlie is a deep learning model that, for every client that is approved
for a loan (by Jessie), predict the probability that that client will actually
take up a loan. Our goal is to have the system automatically engage
with and incentivise the clients whose probability of uptake is low to
increase conversion rates. Charlie utilises various data sources but
relies heavily on client’s online actions and behaviour in our system.
The graph below shows that 80% of clients whose predicted probability of
uptake is less than 0.5 do not take up a loan, even though they have been
approved by Jessie.
0%
50%
100%
0.1-0.5 0.5-1.0
Probability of Uptake
Percentage Uptake vs. Probability of Uptake
We will be receiving an hourly list from the credit bureau of all existing
GetBucks clients that have applied for a loan from another credit provider.
This list of clients applying for loans at other credit providers will be sent to
Jessie to perform credit scoring (based on client information we already
have) and a message (sms or WhatsApp) will then be sent to the client to
indicate that they e.g. have been pre-approved for a certain loan
(depending on affordability and another credit check). We can thus provide
e.g. a link to them to easily apply for the pre-approved loan.
This should prevent client churn and increase sales if we manage to give
them either a better or faster offer than other credit providers.
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Technology MyBucks UX.
MyBucks uses Artificial Intelligence to avoid the typical risks
involved in the lending process. This technology will reach even the
most remote areas while reducing our operational costs, which over
time will translate into lower costs for our customers. The MyBucks
technology will also approve loans faster and more efficiently than
most other financial institutions.
Detailedreport
CreditscoreAddtransaction
Transactionhistory
Monthlymovement
LiveupdatesCustombudgets
Configuredata
Datefilter
Budgeting toolTo educate our customers
E-WalletTo allow transactions and to help the financially excluded
Credit scoring toolTo advise on capabilities and to prevent fraud
Quick instant impact loans
To help day traders and farmers
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MyBucks UX – Our Haraka mobile lending app.
• Provide quick instant loans to those
ignored by traditional banks
• Accessible in remote areas
• No need to visit branch
The Haraka process:
• Loan application via smart phone
• Identity verified using Facebook
• Affordability and credit risk calculated by AI algorithms
using 20k data points
• Loan issued to mobile money account within minutes –
no paperwork required!
Top 5 loan reasons:
• Business growth: 46.5%
• Emergency: 30.8%
• Travel: 4.4%
• Household: 3.6%
• Medical illness: 3.1%
Loan approval
Under 5 minutes
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Above the line advertising.
on channels with mass reach and high impact.Brand building
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Below the line advertising.
Traffic from Google advertising
30.65%Traffic from organic search
38.04%Traffic from direct search
26.72%
1 July 2013 – 31 January 2018
Focus on conversion optimisation, which drives us to targeting a
higher quality lead.
New users
47.27%Returning users
51.73%^ YOY increase +21.19%
Total sessions on site
8 326 909^ YOY increase +18.44%
Total unique visitors
3 607 841
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High customer retention rate.
MyBucks trust levels
On the basis of demonstrated positive credit behavior, we offer
customers reduced rates, higher loan volumes and more attractive terms.
Example for South Africa
Discounts are in relation to a % of the interest rate charged.
Customer retention rate
59% of MyBucks customers purchase at least two or more products.
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FinTech comparison.
Company HQ APP A.I. Wallet Credit report Budget tool Insurance P2P Banking Lending Marketplace
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People.
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Dave van Niekerk Executive Chairman
Board members.
Tim NuyChief Executive Officer
Dennis WallestadNon-Executive Director
Christopher HallNon-Executive Director
Trevor JoslinNon-Executive Director
George ManyereNon-Executive Director
*Markus SchachnerDeputy Chairman
*Dr. Markus Schachner will join the Board of Directors of MyBucks S.A. from 1 April 2018 after having left McKinsey
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Management.
Neville GrahamChief Credit Officer
Dr Richard van der WathChief Data Officer
Dr Christiaan van der WaltChief Technology Officer
Nic LouwHead of Legal and Compliance
Rainer KüselHead of Internal Audit
Riaan PaulCFO Africa
Michelle CalitzHead of Insurance
Mark VivierHead of Banking
Celliers InggsHead of Software Development
Gustaf WesselsHOD – Business Architecture
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Growth.
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Digital Banking Organic Growth
Benefiting from significant additional account and mobile
money penetration across the continent
Enhancing efficiencies across the group to ensure a low
cost operating environment
Reducing our cost of funding and sourcing local
funding to reduce FX risks
Scaling up operations and enhancing
operating leverage
Platform for, cross selling products, source data for AI credit scoring, and collections
Addressing a demand for faster, convenient, reliable and cost effective financial products
Raising local customer deposits and increasing net interest margin
MyBucks 12 month growth strategy.
01
02
03
04
5 Banking licenses with significant ability to scale deposit-taking activities
01
02
03
04
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Untapped growth potential.
Unbanked population in Zimbabwe
87%
Mobile internet subscriber penetration
Sub-SaharaAfrica
Sub-SaharaAfrica
Developing countries
Developingcountries
Smartphone2015
Smartphone2020
Phone Africa2015
23%
37%
29%
45%
15%
43%
85%
2020
2014
2014
2020
2015
2015
0 5 10
15
20
25
30
35
40
45
50
55
60
65
70
75
80
85
2020
2015 2020 2014
Unbanked population in Uganda
88%
GDP per capita (in USD) 2016 2022* Change (%)
Botswana 7 227.35 8 815.36 22.0%
Kenya 1 551.71 2 242.45 44.5%
Malawi 294.59 401.67 36.4%
Mozambique 392.06 649.20 65.6%
South Africa 5 302.04 6 859.74 29.4%
Swaziland 3 343.14 3 565.39 6.6%
Tanzania 979.85 1 448.19 47.8%
Uganda 692.19 917.74 32.6%
Zambia 1 256.92 1 663.68 32.4%
Zimbabwe 1 111.88 1 353.05 21.7%
*IMF forecasts
A GDP per capita level of between USD 3,000 and USD 10,000 accelerates development in a number of sectors such as retail, BANKING, automotive or construction thanks to first-time consumers. This level of income in a stable environment is considered by many economists a catalyst for economic growth.
The 2nd largest and 2nd most populous continent
c.41% of the population are under the age of 15
Africa, the young continent
Unbanked population in Malawi
86%Unbanked population in Zambia
69%
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Strategy – Digital banking.Rationale and potential of banking Africa digitally
CountryCurrent deposits
(EUR m)
Bank account
access %
Smartphone
penetration %
Malawi 17.2 14% 16%
Mozambique 3.3 11% 7%
Uganda 7.1 12% 4%
Zambia 0.0 31% 0.0
Zimbabwe 0.5 13% 25%
Banking Africa -
Digitally
Addressing a demand for convenient, accessible financial products andfinancial inclusion
Reduction of costs
FinTech solutions reduce the need for brick and mortar, driving down costs Migrating from “bricks to clicks”
Access to data
Our AI self learning algorithms utilisesdata to mitigate credit risk, fraud and to understand our clients needs
• Addressable market of over 400 million people
• Over 300 million smartphone users in Africa
• Smartphone market expected to be over 720 million users by 2020 • Added over 1 million customers with Banking strategy in 2017
• Platform to cross sell credit, insurance and remittances digitally
• Traditional banks in Africa have executed digital banking poorly
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Current operations x11
Planned operations x8
Why?
Common language
Similar legal system
Geographic proximity
Similar culture
Attractive demographics and economic growth prospects
Large percentage of the population still unbanked
Limited competition
18.1
28.8
41.5
16.6
55.9
Population (Million)
18%
30%
44%
36%
70%
Account (% age 15+)
7.3%
5.3%5.9%
4.4%
1.7%
Average annual GDP growth
418 327701
1484
6089
2017 GDP per capita (USD)
1263
1608
1414
754594
2017 GDP per capita (USD)
5.0%
6.1%
4.6%
7.1%6.7%
Average annual GDP
growth
23.4
28.2
2.2
11.9
7.4
Population (Million)
12%
41% 42%
16%
Account (% age 15+)
Africa geographic expansion plans.To be the digital bank of choice on the African continent.
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Current operations x1
Planned operations x5
7.7%
5.4%5.0%
3.3%
6.2%
India Indonesia Malaysia Thailand Vietnam
Average annual GDP growth
1852
3859
9660
6336
2306
India Indonesia Malaysia Thailand Vietnam
2017 GDP per capita (USD)
53%
36%
81% 78%
31%
India Indonesia Malaysia Thailand Vietnam
Account (% age 15+)
The Asian Century:If Asia continues to follow its recent trajectory, by 2050 its per capita income could rise sixfold in purchasing power parity (PPP) terms to reach Europe’s levels today… but with a population of 3 billion inhabitants -i.e. six times the population in Europe. This adds to the other rationale provided on previous slide, as these countries also meet this criteria. W
hy
?
1324.0
261.1
31.2 68.9 92.7
India Indonesia Malaysia Thailand Vietnam
Population (Million)
Footprint expansion plans.Using Australia for Asia Pacific expansion
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Financial overview.
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Consistent credit quality with high loan book growth.
Net loan book (EUR m) Loan book performance
93%
7%
Performing Loans
Defaulted Loans
• Due to liquidity and capital constraint, the Group recorded a
slight growth of c. 15% p.a. in the loan book in the six month to
31 December 2017
• Previous year growth of 76.5% was largely driven by the
integration of Opportunity entities and FairGo (c. EUR24.5m of
EUR29.7m growth)
Source: MyBucks S.A. Consolidated combined financial statements for the year ended 30 June 2017
14.5
34.838.7
68.5
73.6
0
10
20
30
40
50
60
70
80
FY 2013/14 FY 2014/15 FY 2015/16 FY 2016/17 HY 2017/18
Default rate
FY 2015 FY 2016 FY 2017 HY 2018
7.39% 7.13% 7.12% 7.11%
Defaults remain stable at c.7.1% of total loan disbursements
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Group returns to profitability.
Revenue (EUR m)
Source: MyBucks S.A. Consolidated combined financial statements for the year ended 30 June 2017
Operating profit (EUR m)
• Revenue at EUR29.0m exceeds prior year by 18% for the first six months of 2018
• Group recorded EUR9.7m of operating profit for the half year ending December 2017, almost equalling the full year ending 30 June 2017 after six months
• Previous financial year negatively impacted by the integration of the OI banks and FairGo – leaving a strong operational platform
• Profitability will going forward be positively impacted by recent private placement and resulting refinancing measures with an estimated EUR6m savings per
annum on a full year basis
Profit before tax
0
10
20
30
40
50
60
FY
2013/14
FY
2014/15
FY
2015/16
FY
2016/17
HY
2016/17
HY
2017/18
0
2
4
6
8
10
12
14
FY
2013/14
FY
2014/15
FY
2015/16
FY
2016/17
HY
2016/17
HY
2017/18-10
-8
-6
-4
-2
0
2
4
6
8
FY
2013/14
FY
2014/15
FY
2015/16
FY
2016/17
HY
2016/17
HY
2017/18
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Consolidated financial overview.
Key performance indicators
Source: MyBucks S.A. Consolidated combined financial statements for the year ended 30 June 2017
Turn-around from a Loss before Tax of EUR 7,690,100 for the twelve months
ending 30 June 2017 to a Profit before Tax of EUR 66,644 for the six months
ending 31 December 2017.
• Revenues of c. EUR29m for the first half-year, representing 54% of prior full year
• Improvement in credit quality shown with provisions to revenue improving from 22% to
21%
• Operational costs now stabilized at c. EUR 3m per month, allowing for future scaling
without incurring further operational costs
• Operating profit as a result has increased to c. EUR 9.7m, which represents already c. 89%
of the previous full financial year
• Key challenge for the Group in the first half-year remained the cost of funding, which
amounted to c. EUR 11.9m for the half-year. Announced refinancing measures going
forward will save EUR 6m on an annualized basis
• Despite the improved profitability, the Group currently still records high taxes which is
predominantly driven by the Group not yet recognizing Deferred Tax Assets in several of its
subsidiaries
%FY
2014/15FY
2015/16FY
2016/17HY
2017/18
Revenue growth 141% 21% 48% 18%
Operating expenses / revenue 45% 53% 69% 60%
Operating profit margin 34% 31% 20% 34%
Revenue to average nett loan book 86% 98% 100% 82%
Weighted average cost of funding 14% 22% 20% 20%
Bad debt impairment rate 14% 23% 20% 19%
Default rate 7% 7% 7% 7%
Year on year net loan book growth 148% 11% 77% 7%
Net interest margin 31% 23% 18% 27%
Return on assets47% 42% 34% 34%
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Consolidated financial statements.
EURmFY
2013/14FY
2014/15FY
2015/16FY
2016/17HY
2017/18
Revenue 13.0 31.3 36.2 53.8 29.0
Loan impairments (2.7) (6.8) (6.7) (12.0) (6.2)
Other income 0.2 0.4 0.6 6.2 4.5
Operating expenses (5.7) (13.4) (19.0) (37.0) (17.5)
Operating profit/(loss) 4.6 11.5 11.1 11.0 9.7
Investment revenue 0.2 0.9 1.5 2.7 2.2
Finance costs (1.5) (6.3) (11.7) (21.3) (11.9)
Profit/(loss) before taxation 3.3 5.7 0.9 (7.7) 0.06
Income tax expense (1.1) (2.4) (1.9) (3.4) (2.2)
Profit/(loss) for the year (continued operations)
2.2 3.3 (1.0) (11.0) (2.1)
Consolidated statement of profit and loss
Source: MyBucks S.A. Consolidated combined financial statements for the year ended 30 June 2017
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Consolidated financial statements.
ASSETS EURmFY
2013/14FY
2014/15FY
2015/16FY
2016/17HY
2017/18
Goodwill and Intangibles 0.8 3.3 3.1 9.3 9.3
Property,plant & equipment 0.7 0.7 1.7 11.0 12.9
Loans to related parties and shareholders
0.7 1.5 6.1 15.4 20.2
Loan Book 14.6 34.9 38.8 68.5 73.6
Other Assets 3.7 15.5 16.7 37.4 41.6
Cash and equivalents 2.6 8.0 18.9 15.1 13.1
Total Assets 23.2 63.9 85.3 156.7 170.7
Equity attributable to parent 7.1 8.8 14.0 11.5 7.5
Equity attributable to minorities 0.8 2.2 3.1 8.8 9.2
Total Equity 8.0 11.0 17.1 20.2 16.7
Loans from related parties and shareholders
9.0 19.4 26.9 41.9 40.7
Financial borrowings 4.3 28.3 31.9 67.8 74.8
Other liabilities 1.9 4.2 9.0 15.3 23.5
Deposits from customers - - 0.4 11.5 14.9
Total Liabilities 15.2 52.8 68.2 136.5 153.9
Consolidated statement of financial position
Source: MyBucks S.A. Consolidated combined financial statements for the year ended 30 June 2017
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40
Share price performance.
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Share price performance.
Share Code
MBC:GRISIN
LU1404975507
MKT Cap
EUR 163.4 MILLIONShare price of 12 March 2018
Source: MyBucks S.A. listed on the Entry Standard of the Frankfurt Stock Exchange market
21%
20%
12%
12%1%
1%
0%
33% Sunblaze Investment Holdings Limited
Tailored Investments Limited
Ecsponent Limited
Infinitum
Opportunity
Nuy Investment Holdings B.V.
Van Niekerk Investment Holdings B.V.
Free float
Current shareholders
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This presentation (“Presentation”) and all information contained therein is strictly confidential and for internal use by the recipient only. Any redistribution of this Presentation, in whole or in part, to third parties, is strictly prohibited. This Presentation may, in particular, not be distributed or published in, or into, the United States, Canada, Japan or Australia, or to any U.S. Person, using Regulations promulgated under the U.S. Securities Act of 1933. Any failure to comply with these restrictions may constitute a violation of securities laws. This Presentation is for information purposes only and does not constitute an offer to sell, or a solicitation of an offer to buy or subscribe for, any securities in the United States or any other territory.
This Presentation has been produced by MyBucks S.A. (the “Company”) and no one else, and is furnished to the recipient solely for information purposes and may not be reproduced or redistributed, in whole or in part, to any other party.
No representation or warranty (express or implied) is made as to, and no reliance should be placed on any information contained herein or the correctness thereof. This includes projections, estimates, targets, and opinions contained herein. No liability or responsibility whatsoever is accepted by the Company as to any errors, omissions or misstatements contained herein. The following parties accept no liability whatsoever arising directly or indirectly from the use of this Presentation: (i) the Company; (ii) any other person; (iii) any of the Company’s parent or subsidiary or affiliates undertakings; and/or (iv) any of the aforementioned parties’ officers, employees and advisors.
By accepting this Presentation, the recipient acknowledges that it will be solely responsible for its (i) assessment of the Company; (ii) the market; and (iii) the market position of the Company, and that it will conduct its analysis and be solely responsible for forming its view of the potential future performance of the Company’s business. No information supplied in this Presentation is intended to form the bases of any credit and/or other evaluation, and it should not be considered as a recommendation by any party that any recipient of this Presentation should take any action in connection therewith.
Disclaimer.
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TIM NUY
Chief Executive Officer
Mobile: +27 84 080 4312
Phone: +352 2088 2123
Email: [email protected]
DAVE VAN NIEKERK
Executive Chairman
Mobile: +27 82 372 6346
Phone: +352 2088 2123
Email: [email protected]
