HOLINGER ASSET MANAGEMENT

Transcription

1 HOLINGER ASSET MANAGEMENT WELCOME TO CREALOGIX Zurich / 14 November 2017

2 Agenda 1. CREALOGIX at a glance Thomas Avedik, Group CEO 2. PSD2 & Multibanking Chances in Digital Banking Sebastian Manthei, Business Development Manager Digital Payment /2017 Annual Results Facts & Figures Philippe Wirth, Group CFO 4. Q&A

3 Annual Results 16/17 Key Facts KEY ACHIEVEMENTS Strong revenue growth of 20% in local currency Profitability (EBITDA) almost doubled to CHF 7,3m Record sales with CHF 74,9m

4 CREALOGIX at a glance Thomas Avedik, Group CEO

5 Highlights

6 Together to the future Within the context of the strategic partnership with CREALOGIX, Bank Julius Baer is driving digitalisation forward. By adopting the Swiss fintech provider s versatile digital banking hub, the bank can offer its customers an extensive and personalised range of services across all channels. Article: Julius Baer partners CREALOGIX for mobile banking Source: finextra.com/pressarticle/68849/julius-baer-partners-crealogix--for-mobile-banking 6

7 The Hub enables an award winning performance Goodacre s Systems in The City 2016: Best Web Development for the Digital Banking Hub including innovative new brokerage capabilities. FinovateEurope London: Best of Show 2017 for the predictive banking in virtual reality technology. Handelszeitung and Le Temps : Swiss growth Champions 2017 #CEBIT17 Innovation Award: Best of Finance 2017 for the leading capacity in assisting medium-sized businesses. 7

8 The Hub enables an award winning performance July 2017: Goodacre s Systems in The City Best Online Development for the Secure Client Portal with outstanding user experience within the mobile app Sept 2017: once again in IDC Financial Insights Fintech100 Rankings #84 (previous year #94) Sept 2017: Brandon Hall Group Excellence in Learning Award Best Advance Crime in the City Compliance Training for UBS 8

9 The Hub enables an award winning performance September 2017: Best Digital Financial Advisory Firm West Europe according to Wealth&Finance 2017 FinTech Awards 9

10 The Hub enables an award winning performance 10

11 International presence More than 400 employees worldwide working for CREALOGIX

12 Some of our references

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18 5 reasons

19 5 reasons why we are in an excellent position to achieve our targets: 19

20 5 reasons why we are in an excellent position to achieve our targets: 1. DIGITAL is in our DNA - no laborious transformation necessary 2. DIGITAL isation as a fundamental change in banking is widely accepted 3. DIGITAL creates a tectonic shift in budgets which spurs our business 4. DIGITAL banking is becoming the lifeblood of banking 5. DIGITAL journeys have only just begun for our clients 20

21 PSD2 An opportunity for the banking industry Sebastian Manthei, Business Development Manager Digital Payment

22 PSD2 - what is it? PSD2 widens the scope of the PSD by covering new services and players as well as by extending the scope of existing services (payment instruments issued by payment service providers that do not manage the account of the payment service user), enabling their access to payment accounts. Source: European Commission Key Drivers (European Commission): Contribute to a more integrated and efficient European payments market Improve the level playing field for payment service providers (including new players) Make payments safer and more secure Protect consumers Encourage lower prices for payments Goal: Stimulate innovation in the banking industry 22

23 A fundamental change for the banking industry banks will have to adapt???? 23

24 Threat Opportunity PSD2 An opportunity for banks Payment Services Directive 2 PSD2 Regulatory Compliance (MUST HAVE) PSD2 Open Banking Business Model Opportunities Implementation of PSD2 to reach regulatory compliance: API (Account Information, Payment Initiation, Confirmation on availability of Funds) Cards Security Cost transparency Business opportunities for PSD2 monetization Business Ideas increasing user experience and therefore client loyalty Become a TPP (third party providers) Offer 3 rd party FSI related services Offer commercial services Foster everyday banking with an open ecosystem Partnerships Reflect on what partnerships you need to realize your Business Ideas 24

25 PSD2 compliance for banks CREALOGIX provides all requirements APIs API Management Security Solutions CLX 09:24 P2 Bank API Authorization Payment Authorisation You re attempting to make a payment of CHF to account number E-Banking login B Please confirm if you wish to Paymit authorise this payment. 2 a FINANCE l NEWS YES NO a Time left: 58 secs Presentation title, P2 Bank Date launches CREALOGIX 25 n Apple Smart watch P2 notifications Balance Alert c P2 Bank

26 Public API Public API Public API One step further CREALOGIX multibanking solutions (AISP) Bank aggregates bank accounts Bank supports multi-banking payments Banks owns client relation Bank leverages banking APIs from other banks 26

27 Demo: CREALOGIX Multibanking Portal

28 Crealogix Multibanking Portal - Overview The multibanking portal for all customers: Modern, flexible and webbased portal solution for all customers Multibanking for payments and a structured liquidity management Convinient functionalities for processing payments and managing liquidity and cash pooling Individual and fast configuration of your portal Implementation within short time possible 28

29 Liquidity and payment are fundamentally important for customers THE BANK Bank 2 Bank 3 Liquidity management and payments are key to a solid business management Transactions Therefore it is a fundamental aspect for the relationship between bank and the corporate Enabling additional functionalities such as lending, factoring, accounting or online product sales Bank 4 Bank 5 Bank 6 More than 80% of corporates have multiple bank relationships, 21% even more than 5* *Source: IFZ Zug

30 Be the main bank of all your customers thanks to multibanking capabilities KMU- Portal Answer the key customer need and increase customer satisfaction Strengthen the customer relationship Gain new customers Additional sales as well as cross-selling opportunities Position yourself as the main point-of-contact for all key financial needs of your corporate customers Retain your customers longterm and capture new revenue opportunities Take the chance as an «early adapter» and make multibanking your USP Configure a customized portal to the specific needs of your corporate customers Extend your portal through additional services (i.e. BFM, factoring, accounting, risk management etc.) 30

31 2016/2017 Annual Results Facts & Figures Philippe Wirth, Group CFO

32 Key Figures 16/17

33 CHFm Revenue by Category: 20% Growth With Recurring Revenue in 16/ Recurring 38% % 38% /14 14/15 15/16 16/17 6% 5% 19% Products 62% Services Licences Devices Saas/Hosting Maintenance 40

34 Sales by Geography: Share of international sales has increased to 50% FY 14/15 FY 15/16 FY 16/17 32% 32% 45% 45% 50% 50% 41

35 Key Figures 16/17 * 1) Free Cash Flow is defined as cash flow from operating activities including purchase and disposal of tangible and intangible assets