Investor Presentaiton
Attachment 2 - Cash Flow Analysis
FY20
Positive cash generation from operations
FY21
$'000
$'000
Net payments income
Net interest income
Other income
110,120
2,603
6,069
86,513
Operating Cash Flows:
5,548
4,264
Employee expenses paid
(75,125)
(70,263)
•
Terminals purchased
(16,360)
(7,176)
Other operating expenses and IPO costs paid
(30,635)
(43,477)
.
Movement in net schemes and other receivables
(7,650)
8,867
Operating cash flows (excluding banking)
(10,978)
(15,724)
Net movement in customer loans
(2,918)
294
Net increase in deposits
24,939
23,624
.
Cash from merchant deposits to be used to fund merchant cash advance
Cash flows from operating activities
11,043
8,194
•
Net investment in term deposits, financial and equity investments
(395)
Net capital expenditure (excluding terminals)
(1,205)
(42,775)
(1,663)
.
$5.0 million positive cash generation from the business before terminal purchases +
contribution from Banking deposits and loans
Payments for terminals of $16.4 million
Net increase in Banking products of $22.0 million reflecting growth in deposits + net
repayment of loans
Investing + Financing Cash Flows:
Payments for intangible assets reflects the investment in the Bendigo Bank Alliance +
Medipass + investment in technology + building customer relationships
Payment for investment in Paypa Plane of $1.9 million
Payments for recognised intangible assets
Other investing activities
(28,076)
376
(3,082)
405
Cash flows from investing activities
(29,300)
(47,115)
Payments for lease liabilities
(5,069)
(4,815)
Proceeds from exercise of share options
4,059
3,913
Proceeds from issue of shares (net of transaction costs)
119,994
Cash flows from financing activities
(1,010)
119,092
Net movement in cash and cash equivalents
(19,267)
80,171
Effect of foreign exchange rates on cash and cash equivalents
27
(310)
Cash and cash equivalents at beginning of year
103,761
23,900
Cash and cash equivalents at end of year
84,521
103,761
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