Hypoport Se · XETR:HYQ
Hypoport — H1 2014 Earnings Presentation
24 slides from Hypoport's earnings presentation, Aug 4, 2014
Slide 1: Hypoport remains firmly on track
Hypoport remains firmly on track Financial figures as of 30th June 2014 4th August 2014 © 2014 Hypoport AG
Slide 2: Content
Content Financial Figures Q2 2014 1. Market environment 2. Performance of business units 3. Overview of key performance indicators 4. Hypoportʼs shares 5. Outlook
Slide 3: Interest rates remain on low level in 2014
Interest rates remain on low level in 2014 Interest rate development of important segments since 2007 6% ECB central rate Guaranteed interest of insurance DGZF 10-years 5% 4% 3 Financial Figures Q2 2014 3% 2% 1% 2007 2008 2009 2010 2011 2012 2013 2014
Slide 4: Influence of market environment on Hypoport's business units
Influence of market environment on Hypoportʼs business units Development of market environment for relevant financial service products Private Private insurance financing 4 Financial Figures Q2 2014 Simple banking Bausparen products Commercial financing Provider/ Demand Regulation products
Slide 5: Content
Content Financial Figures Q2 2014 1. Market environment 2. Performance of business units 3. Overview of key performance indicators 4. Hypoportʼs shares 5. Outlook
Slide 6: Business unit Private Clients
Business unit Private Clients Presentation of segment results 6 Financial Figures Q2 2014
Slide 7: Persistent extension of market share in loan brokerage
Persistent extension of market share in loan brokerage Private Clients: Transaction volume of loan brokerage and German Central Bank figures Transaction volume: loan brokerage (billion €) CAGR CAGR 20% 10% 5,42 4,59 • Bausparen becomes steadily more 3,86 important and Bauspar volume rises by 3,11 2,
Slide 8: Regulation and low interest rates weigh on insurance business
Regulation and low interest rates weigh on insurance business Private Clients: Insurance policies under management and new business Insurance policies under management (million €; annual premiums) • Insurance policies under management CAGR CAGR 49% 8% grow by 8 per cent (yoy). A market- related decl
Slide 9: Strong competition in attractive product segments
Strong competition in attractive product segments Private Clients: Leads generated online • Decline of lead number in H1 2014 by 14 per cent (yoy) to 1.6 million. • Weak business for simple banking products (e. g. call money) because of 9 ECBʼs ʺcheap moneyʺ policy. Banks show remarkably less demand
Slide 10: Best of both worlds: Lead generation online. On-site consultancy offline.
Best of both worlds: Lead generation online. On-site consultancy offline. Private Clients: Lead generation, cross-channelling and growth of advisors Online sales Self-explanatory financial products, e. g. current accounts, car insurances Franchise: Number of active advisors Franchise sales 665 612 5
Slide 11: Growth in mortgage finance and restructuring of insurance lead to positive earnings
Growth in mortgage finance and restructuring of insurance lead to positive earnings Private clients: Revenue & EBIT Revenue private clients (million €) CAGR • Expansion of market share in mortgage 12% finance leads to 12 per cent (yoy) 31,7 revenue growth.. 28,4 • Restructuring of insurance business
Slide 12: Business unit Financial Service Providers
Business unit Financial Service Providers Presentation of segment results 12 Financial Figures Q2 2014
Slide 13: Transaction volume of billion € generate best quarterly result in history
Transaction volume of 9 billion € generate best quarterly result in history Financial Service Providers: Transaction volume of EUROPACE marketplace 10,0 Financial & Mortgage loan Banking crisis 9,0 Personal loan 8,0 Bausparen (billion € / quarter) 7,0 13 6,0 Financial Figures Q2 2014 5,0 4,0 3,0 2,0
Slide 14: EUROPACE market place continuously gains market share
EUROPACE market place continuously gains market share Financial Service Providers: Transaction volume and number of partners Transaction volume (billion €) CAGR 11% • Significant growth in transaction volume by 11.4 per cent (yoy) to 17.5 billion €. 15.7 17.5 • Mortgage loan remains product with hig
Slide 15: GENOPACE und FINMAS continue strong growth
GENOPACE und FINMAS continue strong growth Financial Service Providers: Number of partners in FINMAS and GENOPACE GENOPACE: Number of partners CAGR 23% • GENOPACE: Exceeded 100 partners, 102 showing a rise of 23 per cent (yoy). 83 • GENOPACE: 13 of the top 25 cooperative banks are partners.. 15 • FI
Slide 16: EUROPACE remains on track
EUROPACE remains on track Financial Service Providers: Revenue & EBIT Revenue Financial Service Providers (million €) CAGR • Due to a special offer in packager 6% business in corresponding period of the 15.0 prior year, revenue declined in Q2 by 6.9 14.2 per cent (yoy) to 7.51 million €. • Because o
Slide 17: Business unit Institutional Clients
Business unit Institutional Clients Presentation of segment results 17 Financial Figures Q2 2014
Slide 18: Double-digit growth in first half of 2014
Double-digit growth in first half of 2014 Institutional Clients: Volume of brokered loans, revenue and EBIT Volume of brokered CAGR loans 14% (million €) 117 201 • Successful business development leads Renewals 591 to rise in sales volume by 14 per cent New 422 (yoy). business H1 2013 H1 2014 • Reve
Slide 19: Content
Content Financial Figures Q2 2014 1. Market environment 2. Performance of business units 3. Overview of key performance indicators 4. Hypoportʼs shares 5. Outlook
Slide 20: Hypoport remains on track
Hypoport remains on track Summary of Hypoportʼs key figures as of 30th June 2014 Revenue Equity Number of employees (million €) (million €) (ø Headcount) +10% +12% 36.4 +1% 53.3 33.1 567 571 47.6 20 Financial Figures Q2 2014 H1 2013* H1 2014 2013 Q1 2014 H1 2013 H1 2014 EBITDA EBIT Group profit (mil
Slide 21: Content
Content Financial Figures Q2 2014 1. Market environment 2. Performance of business units 3. Overview of key performance indicators 4. Hypoportʼs shares 5. Outlook
Slide 22: Share price follows successful start to the year
Share price follows successful start to the year Share price performance and breakdown of shareholders as of 30th June 2014 Revenia GmbH (Ronald Basic data Slabke, CEO) ISIN DE 000 549 3365 Kretschmar Familienstiftung Symbol HYQ 34,8% Market segment Regulated market Deutsche Postbank AG 37,5% Transp
Slide 23: Content
Content Financial Figures Q2 2014 1. Market environment 2. Performance of business units 3. Overview of key performance indicators 4. Hypoportʼs shares 5. Outlook
Slide 24: Profitable growth
Profitable growth Outlook for 2014ff We will consistently continue to pursue our strategy of acquiring additional market shares in all business units. At the same time we increasingly use the positions we gained to improve our profitability. Main focus for business unit Financial Service Providers i