Raiz Invest : 1H22 Investor Results Presentation

r personal use only

Raiz Invest Limited (ASX:RZI)

Market leading fintech with operations in

Australia and Southeast Asia

HY22 RESULTS PRESENTATION │ 24 February 2022

Level 11, 2 Bulletin Place, Sydney NSW 2000 - Announcement authorised by George Lucas (Managing Director)

Important Notice and Disclaimer

only		Certain statements in this presentation may constitute forward-looking statements or statements about future matters that
This presentation has been prepared by Raiz Invest Limited (ACN 615 510 177) (RAIZ). References in this presentation to
RAIZ include its group of companies and trusts.		are based upon information known and assumptions made as of the date of this presentation. Forward looking statements
					can generally be identified by the use of forward looking words such as, "expect", "anticipate", "likely", "intend", "should",
This presentation is subject to the conditions outlined below. Your receipt or viewing of the Presentation evidences your		"could", "may", "predict", "plan", "propose", "will", "believe", "forecast", "estimate", "target", "project", "guidance" and other
acceptance of those conditions and that you agree to be bound by them.		similar expressions within the meaning of securities laws of applicable jurisdictions. Indications of, and guidance or outlook
					on, future earnings or financial position or performance are also forward looking statements. These statements are subject
This presentation is provided to recipients for information purposes and should be read in that context. The information in		to internal and external risks and uncertainties, many of which are beyond the control of RAIZ, that may have a material
	effect on future business. No representation is made or will be made that any forward-looking statements will be achieved
this presentation is in a summary form, does not purport to be complete, is not investment or financial product advice and
	or will prove correct. Actual future results and operations could vary materially from the forward-looking statements. As
is not intended to be relied upon as advice to investors or other persons or to be used as the basis for making an
use		such, undue reliance should not be placed on any forward-looking statement and RAIZ assumes no obligation to update
inv stment decision. Please note that, in providing this presentation, RAIZ has not considered the objectives, financial		such information. Past performance is not necessarily a guide to or a reliable indicator of future performance. Nothing
position or needs of any particular recipient. Any person considering an investment should consider whether such an
	contained in this presentation nor any information made available to you is, or can be relied upon as, a promise,
inv stment is appropriate for its particular investment objectives, financial situation and needs, and conduct its own
	representation, warranty or guarantee, whether as to the past, present or future.
independent investigation and assessment including obtaining investment, legal, tax, accounting and such other advice as
it considers necessary or appropriate, prior to making an investment decision.		This presentation is not a prospectus, product disclosure statement or any other disclosure document under Australian law
The information contained in this presentation is based on information available to RAIZ. Statements in this presentation		or any other law. It does not constitute financial product advice or an offer or invitation to subscribe for or purchase any
	Shares or an offer for subscription or purchase of any Shares nor is it a solicitation to engage in or refrain from engaging in
are, unless otherwise stated, made only on the basis of information known to RAIZ as at the date of this presentation and
	any acquisition of Shares or other associated derivatives transaction nor will anything contained in it form the basis of any
relate in part, to events that are changing. Circumstances may change at anytime. The information contained in this
presentation, is therefore subject to change without notice and RAIZ may, in its absolute discretion, but without being		offer, contract or commitment.
under any obligation to do so, update or supplement that information.
personalr		This presentation is not, and does not constitute, an offer to sell or the solicitation, invitation or recommendation to
	purchase any securities in RAIZ in any jurisdiction. In particular, this presentation does not constitute an offer to sell, or a
RAIZ and its affiliates, related bodies corporate and shareholders, their respective directors, employees, officers and
	dvisers (Limited Parties), accept no responsibility or liability whatsoever for the contents of this presentation. No		solicitation of an offer to buy, any securities in the United States. The distribution of this presentation in jurisdictions
representation or warranty, express or implied, is made as to the accuracy, reliability, completeness, correctness or		outside of Australia may be restricted by law. Persons who come into possession of this presentation who are not in
f irness of the information, or the opinions and conclusions contained in this presentation. No Limited Party makes any		Australia should seek independent professional advice and observe any such applicable restrictions. Neither this
representation or warranty that this presentation is complete or that it contains all material information about RAIZ or which		presentation nor any copy of it may be transmitted or released in the United States or distributed, directly or indirectly, to
a prospective investor may require in evaluating a possible investment in RAIZ. To the maximum extent permitted by law,		any person in the United States. By accepting this presentation, the recipient agrees to comply with these restrictions.
the Limited Parties disclaim all liability and responsibility (including, without limitation, any liability arising out of fault or		This presentation contains certain pro forma and non-IFRS financial information. Such financial information has not been
	egligence) for any direct or indirect loss or damage which may be suffered by any person through the use of or reliance
	n anything contained in or omitted from, or otherwise arising in connection with, this presentation and its contents,		prepared in accordance with disclosure requirements of applicable accounting standards and other mandatory reporting
including without limitation, any liability arising out of fault or negligence on the part of any of them. RAIZ has not		requirements in Australia.
independently verified any of the contents of this presentation (including, without limitation, any of the information
attributed to third parties).		All references to dollars, cents or $ in this presentation are to AUD currency, unless otherwise stated.
	RAIZ INVEST LIMITED (ASX:RZI)			2			HY22 RESULTS PRESENTATION

What is Raiz?

Mobile investment products to unlock financial freedom

only	Micro investment platform
to enable financial freedom in
Indonesia, Malaysia and
		Australia
use	Leading customer service
		and user experience for
		attracting and retaining
		customers
personalr

Low customer acquisition cost to help fast-trackgrowth

Growing rapidly in

Southeast Asia Indonesia,

Malaysia & Thailand

RAIZ INVEST LIMITED (ASX:RZI)

3		HY22 RESULTS PRESENTATION

Investment Highlights

Award-winning investment platform, delivering on growth and innovation

only		Best-in-class end-	Multiple, diverse	Pipeline of new
	revenue streams
	products and
	to-end financial
				features requiring
	technology
use		platform				minimal capex to
				initiate
Highly engaged				Favourable
customer base				technology and
with opportunity				demographic
to cross promote				market drivers in
personalr	new products				Australia and
					Southeast Asia
Step change in					Compelling value
						proposition
		customer and
						enhances platform
		revenue growth
						stickiness
	RAIZ INVEST LIMITED (ASX:RZI)			4			HY22 RESULTS PRESENTATION

Corporate and Product Timeline

Continuous delivery of strategy

	2015			2016	2017		2018	2019
Corporate History
only

2020 2021 2022

	Mar 15:	Feb 16:		Jun 17:	Apr 18:		Apr 19:
	JV Acorns Grow Inc.	Launch Australia		Start planning	Change name to Raiz		Launch Indonesia
					Indonesia	Invest
use							May 19:
				Jun 18:		JV with PNB/Jewel
				ASX listing - raising
				$15m		Nov 19:
						Fee increase to $2.50
				Dec 18:
				Received Indonesia		Nov 19:
				licence		$6m Capital raise

Product Development in line with customer feedback in Australia

Jun 20:

Launch Malaysia

Jun 20:

Aust business net cashflow positive

Apr 21:

Fee increase to $3.50

Apr 21:

$10m Capital raise &. Superestate Ann.

Jun 21:

Group net cashflow positive

Jul 21:

Planning Thailand

personalr

Feb 16:

May 17:

Jul 18:

Mar 20:

Jan 21:

Jan 22:

App launch in Australia

MyFinance launched

Raiz Super launched

Offsetters launched

Custom Portfolio

Raiz Rewards refresh

Nov 16:

Jun 17: (ESG)

Sept 18:

May 20:

Mar 21:

Raiz Rewards

Emerald Portfolio

Raiz Chatbot

Sapphire Bitcoin

Launched Raiz Home

launched

launched

portfolio released

Ownership & SMSF

Nov 17:

onboarding

Raiz Kids launched

2015

2016

2017

2018

2019

2020

2021

2022

FUM - Year end

-

$43.28m

$148.17m

$254.18m

$444.70m

$605.59m

$1.03bn

$1.01bn (Jan 22)

(Au t only)

Active Customer -

-

65,278

133,896

175,345

211,657

343,573

594,992

608,107 (Jan 22)

Year end

RAIZ INVEST LIMITED (ASX:RZI)

5

HY22 RESULTS PRESENTATION