An Introduction to GPN
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- Elmer Summers
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1 An Introduction to GPN October 2008
2 Topics Who we are Our business model Growth drivers North America merchant services International merchant services Strategy 2
3 Global Payments Today Leading small and mid-market merchant acquirer/processor U.S. Canada Europe Asia Pacific Money Transfer business Focus on U.S. and Europe to Latin America Headquartered in Atlanta, GA ~5,300 employees, living in more than 20 countries Money Transfer Asia-Pacific Europe Canada Revenues >$1.6B United States Based on FY 2009 est. 3
4 Business Highlights Years of payment processing experience >40 Worldwide transactions processed annually >3.7B Merchants worldwide ~1M Dollar volume moved annually >$295B 4
5 5 A Truly Global Player Slovakia Slovakia Atlanta Toronto Toronto Owings Mills Niles Niles Las Vegas Las Vegas Maldives Sri Lanka India India China China Macau Macau Hong Kong Taiwan Malaysia Singapore Brunei Russia Russia BIH BIH Philippines Ukraine Ukraine Kazakhstan Kazakhstan Poland Poland Czech Rep. Czech Rep. UK Dallas Dallas
6 Strong Revenue and EPS Growth Revenue ($M) EPS ($) $784 19% CAGR $1,062 $908 $1,274 $ % CAGR $1.54 $1.77 $1.98 $629 $ Fiscal Year Fiscal Year Note: Represents normalized results, which exclude divested businesses and non-recurring items. Please see our earnings press release (filed as exhibits to our Form 8-K) for more information. Reflects the retroactive effect of the company s October 2005 two-for-one stock split. FY07 includes impact of FAS 123(R). 6
7 Our Business Model
8 Characteristics of Merchant Services Model Direct Indirect Merchants are end customer Provide full-service Front-end processing Back-end processing Customer and other related services Pricing based on mixture of volume, transaction and fee based Multiple sales channels Financial institutions are end-customer Reselling our services to merchants À la carte service menu with pricing on a per item basis Longer sales cycle Leverageable infrastructure Leverageable infrastructure Represents majority of revenue 8
9 A Typical Direct Merchant Transaction $1.50 fee to Issuer Card Issuer Begins with Consumer $0.10 fee to Assoc. $100 purchase Merchant $0.40 fee to GPN $2.00 charged by GPN Note: For illustration purposes only 9
10 Growth Drivers
11 Positioned in a Large Worldwide Payments Market 2007 Worldwide Credit and Debit Purchase Transactions = 64.5 B Latin America Canada MEA 7% 3% 2% 48% U.S. Asia Pacific 12% 28% Europe Participate in 91% of worldwide transactions Source: The Nilson Report December 2007 Issue
12 Worldwide Shift to Card Based Payments Based on Purchase Transactions Canada Mid East/Africa U.S. Mid East/Africa Latin America Canada U.S. Latin America Asia-Pacific Asia- Pacific Europe 42.7 B B Growing at 12% CAGR Europe Source: The Nilson Report August 2007 Issue
13 A Resilient Business $B U.S. Visa and MasterCard Purchase Volume Growth (% Growth Year over Year) $4,000 $3,000 $2,000 $1,000 $0 24% 27% 22% 12% 16% 15% 15% 15% 7% 13% 21% Recession 15% CAGR 15% 17% 17% 17% 18% 11% 16% Recession '84 '86 '88 '90 '92 '94 '96 '98 '00 '02 '04 ' % 13% 12% 12% 9% '11 F cast Source: The Nilson Report 13
14 Opportunity for Convergence to Western Card Levels 3.7 Visa and MasterCard Credit and Debit Payment Cards per Person U.S. U.K. Canada Hong Kong Central Europe Asia-Pacific JV Regions China Russia Malaysia India Source: The Nilson Report December 2007 Issue 893 (includes all VISA/MC credit and debit cards) and CIA, The World Factbook. 14
15 North America Merchant Services
16 North America Growth Drivers Strong ISO position continues to drive U.S. growth U.S. market position levers referral partner status Card association rate changes benefits pricing Canada Visa and MC purchase volume: C$214B Growth: 3-5% Value-added Resellers (VARs) Niche products and services in certain vertical markets Gaming suite of products Canadian mid-sized gas station product Chinese sales, service, and statements offered and supported U.S. Visa and MC purchase volume: $2.1T Growth: 8-12% Source: The Nilson Report 16
17 Well-Positioned in North America Multiple distribution channels Strong market share ISO Channel Direct Value-added Resellers Gaming Check Trade Associations Financial Institutions Telesales Canada 30% U.S % Note: Revenue share based on outside consultant and company estimates. 17
18 Our Competitive Advantage 1 Quality Services Our Value Proposition 3 Broad product sets 2 Relationships 18
19 Targeted Merchant Market U.S. Size (Annual bankcard volume) Competitors >$10 Million National and Alliances Average $300,000 Mid-sized Merchants and Alliances Average $100,000 Small Merchants and Alliances 19
20 A Leading Presence in Canada 1,500 CIBC and National Bank (NBC) referral branches A C$214 Billion Market (Total Credit Sales Volume 1 ) Direct sales Merchant Associations Third party sales forces ESA ISO Targeted average merchant size: $300K Other Competitive positions based on volume Note 1: Canadian Payments Association (net retail volume) reported 2006 Visa and MasterCard volume. Market Share based on Global Payments estimates Source: Canadian Payments Association (net retail volume) and Global Payments estimates. 20
21 Leads to Diversified Portfolios U.S. Direct Channel Utilities Wholesalers, Distributors & Manufacturers Apparel Business Services Direct Marketing Education Florists Transportation Canada Wholesalers, Distributors & Manufacturers Utilities Apparel Business Services Direct Marketing Education Florists Transportation General Retail T&E General Retail T&E Specialty Retail Government Specialty Retail Restaurants Government Restaurants Grocery Healthcare Professional Services Professional Services Healthcare Grocery Average annual bankcard volume of $300K 21
22 International Merchant Services
23 Key Milestones: Building the International Merchant Business FY Acquired MUZO in Czech Republic Entered Russia Entered Poland FY Acquired 51% HSBC UK portfolio Acquired 56% ownership of HSBC s Merchant portfolio in Philippines Announced acquisition of United Card Service direct merchant acquiring in Russia FY Acquired Diginet (The Balkans) Entered Ukraine Acquired 56% ownership of HSBC Asia Pacific merchants in 10 countries and territories Entered Kazhakstan Servicing Hong Kong and Macau merchants out of Toronto 23
24 A Leading International Player INTERNATIONAL LARGE REGIONAL Bank of East Asia LOCAL REGIONAL Singularly focused on merchant acquiring in a highly fragmented market 24
25 International Competitive Advantages Singular focus on merchant payment processing Strong referral partners Strong reputation with our international clients Full suite of service offerings 25
26 Entered Western Europe via Joint Venture with HSBC Formed a direct merchant acquiring JV with HSBC Bank plc in the United Kingdom Global paid $439M cash for 51% ownership 10-year marketing alliance and merchant referral agreement HSBC contributed its merchant business and will retain 49% ownership in the joint venture Acquisition closed on June 30,
27 HSBC Merchant Services A Strong Platform A leading direct merchant and global e-commerce acquiring presence Joint venture with HSBC 1,668 bank referral branches >135,000 merchant outlets $219M in fiscal 2007 revenue 450 employees in the UK 27
28 Global Payments Central Europe/Russia Today Largest indirect payment processor in Czech Republic Headquartered in Prague 38,000 POS Terminals and 2,350 ATMs EMV chip card compliant technology 300 employees Recently announced agreement to enter the direct acquiring market in Russia United Card Service Key Markets 28
29 Global Payments Asia Pacific Joint Venture Today Leading Asia-Pacific direct merchant acquirer Presence in 11 countries/territories; including recently added Philippines > 68,000 merchant outlets Joint venture with HSBC GPN owns 56% 10-year marketing alliance India China Macau Taiwan Hong Kong Philippines Represents approximately 6% of total GPN revenue Maldives Malaysia Sri Lanka Singapore Brunei 434 employees JV Regions represents Brunei, the Hong Kong SAR, India, the Macau SAR, mainland China, Malaysia, Maldives, Philippines, Singapore, Sri Lanka, and Taiwan. 29
30 International Growth Strategy Acquire merchant portfolios Expand existing channels Roll out new product and services Leverage infrastructure 30
31 Strategy
32 Consistent Strategy Drives Future Growth 1 Maximize long-term returns 2 Invest in technology and people 3 Expand core businesses globally 32
33 Front- and Back-End Defined Today Front-End Back-End Internal Reports DSL Dial East/Central Front End Real-Time & Batch Processing Settlement & File Delivery Frame Relay Customer Service Merchant Merchant s Bank Associations 33
34 Investing and Leveraging Front-End System UK Russia Toronto Czech Rep. Charlotte China Front End platform Atlanta 2 4a 5 4b Maldives India Macau Taiwan Hong Kong HKRCC Malaysia Philippines Sri Lanka Brunei Singapore Macau and Hong Kong 2 US 3 HKRCC (Sri Lanka, Philippines, Singapore, Brunei, Maldives) 4a Canada 4b Malaysia, China, India, and Taiwan 5 UK (Domestic platform, International Acquiring) 6 MUZO--TBD 7 UCS--TBD 34
35 Consolidating Our Back-End System Charlotte 5 1 UK Russia Czech Rep. China India Macau Taiwan Hong Kong HKRCC Malaysia Philippines Maldives Sri Lanka Brunei Singapore Primary Back End platform (MAS) Back End platform 1 Macau completed 2 Hong Kong completed 3 HKRCC (Sri Lanka, Philippines, Singapore, Brunei, Maldives) 4 Malaysia, China, India, and Taiwan 5 UK (Domestic platform, International Acquiring) 6 MUZO--TBD 7 UCS--TBD 35
36 Focused Acquisition Strategy High profit, high growth segments International and Domestic Companies with strong market presence and management team Leverage: management experience infrastructure balance sheet distribution channels Provide long-term revenue growth and earnings accretion 36
37 Target Markets Geographic Area Western Europe Type of Acquisition SEPA 2008 Banks are rationalizing Non-JV countries JV countries Other HSBC relationships Other bank portfolio acquisitions Eastern Europe Focusing on direct merchant acquiring Countries surrounding Russia Asia Pacific North America Bank Portfolios Non-JV countries JV countries Other HSBC relationships Other bank portfolio acquisitions Technology companies Integrated solutions Bank alliances 37
38 Summary
39 Why Invest in Global Payments Consistent execution Expanding worldwide markets Leverageable infrastructure Solid footprint in key markets Focused payments strategy 39
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