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Investor Presentaiton

12 Diversified Revenue Streams Revenue Breakout By Major Category* Card Revenue 27% Summary Income Statement Interchange and MasterCard incentive income based on card activity and out-of-network ATM fees (dollars in thousands) Interchange & card revenue Deposit Servicing Fees 53% Fee charged to partner bank(s) based on average balances of serviced deposits Account Fees 11% Monthly account fees, wire fees, and card replacement fees University Fees 7% Subscription and transactional fees charged to colleges. based on enrollment size, competitive marketplace and disbursement channels, and options Servicing fees Account fees University fees Other revenue Total GAAP Operating Revenue GAAP Operating Expense Less: merger expense Less: non-cash equity compensation Less: depreciation and amortization Total Core Operating Expense Core EBITDA Core EBITDA Margin Other Fees 2% Various other fees * % of 2022 Revenues 1) Note: Core EBITDA, Core EBITDA Margin and Core OpEx are non-GAAP measures. 1 Twelve Months Q4 2022 03 2022 Q2 2022 Q1 04 2022 2021 $ 5,035 $ 5,325 $ 5,315 $ 6,643 $ 6,548 Ended Dec 31, 2022 2021 $22,318 $28,078 YoY Change $ $(5,760) % (21)% 6,931 10,163 13,295 14,192 13,331 44,581 45,105 (524) (1)% 2,120 2,110 2,207 2,555 2,695 8,992 10,543 (1,551) (15)% 1,328 1,357 1,446 1,603 1,564 5,734 5,693 41 1 % 270 903 745 $15,684 $19,858 $23,008 54 $25,047 1,121 1,972 5,286 $25,259 $83,597 $94,705 (3,314) $(11,108) (63)% (12)% $23,254 $24,138 $23,377 (2,641) (2,743) (3,004) (2,995) $17,609 $18,400 (1) (3,053) (3,030) $17,293 $22,084 $24,354 (289) (65) (2,919) (3,386) (3,073) (3,105) $15,803 $17,798 $92,853 (290) $89,039 $3,814 4 % (65) (225) 346 % (11,356) (11,343) (12,102) (11,959) $69,105 $65,672 $ 3,433 (13) % (143) 1 % 5% $(1,925) $1,458 (12)% $ 5,715 7% $ 9,244 25 % 37 % $ 7,461 $14,492 $29,033 S(14,541) (50)% 30 % 17 % 31 % (13)% (43)% Bmtx
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