Let s Make it happen!
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1 CONECO FINANCIAL AGM PRESENTATION, TUESDAY OCTOBER 23 Let s Make it happen! 1
2 CONECO FINANCIAL CHAIRMAN S MESSAGE FROM STUART JAMES As a boutique ASX-listed property finance and advisory firm, we plan to grow our business and bring it to profitability through a number of key initiatives: Growing our distribution capabilities Expanding our product offerings Building recurring revenue Expanding our geographical presence As a mortgage broker, we do not hold any loans on our balance sheet; we have not seen any impact from the US sub-prime market events on our business other than pricing for non-bank products increasing relative to that of the banks; in some cases, the uncertainty about rates and lenders has created a demand for the mortgage broking services we provide. We look forward to industry regulation, which we believe will help consumers, the economy, and mortgage brokers alike. We believe the Australian property market will continue to grow, albeit at smaller pace, and that we are uniquely positioned to take advantage of this growth by presenting ourselves as a credible alternative between the large banks with limited product offering / poor service, and small mortgage brokers who typically lack staying power. This year s achievements include: Set up the new business infrastructure to broker residential and commercial mortgages Acquired accreditation from over 25 lenders Built up an experienced sales team Hired a new executive team with solid management and industry experience Opened an office in Sydney Acquired access to wholesale funds Expanded into leasing & asset finance $11.3 million in settlements over the last 5 months Pursuing sizeable commercial deals worth close to $500 million 2
3 CONECO FINANCIAL - OVERVIEW MD PRESENTATION BY MIKE GHENTA Boutique, full service financing & advisory firm Property finance is a large part of our business Distribution channel for bank & non-bank lending products Via direct accreditation Via access to wholesale funds We do not book loans on our balance sheet Service corporate & retail clients Revenue sources: brokerage & application fees, upfront & trail commissions Staff of 12 Offices in Melbourne (HQ) and Sydney Accredited with MFAA 3
4 CONECO ORGANISATIONAL CHART Coneco Board of Directors MD & CEO Mike Ghenta GM of Sales Mario Stepancic CFO Peter Lockie GM of Operations Warwick Kingsley VIC State Manager TBD BDMs -Richard Chileshe -Paul Cooper -George Drakos -Natalie Wloch -Susan Zhao NSW State Manager Christine McVeigh BDM Hristina Giatras Office manager Rosa Misale 4
5 INDUSTRY OVERVIEW PLENTY OF CHALLENGES New player in competitive market / start-up business Highly fragmented industry (~13,000 mortgage brokers) Upfront & trail commissions are under pressure from lenders Lenders getting back into distribution Heavy discounting by mortgage brokers Transactional rather than relationship-based Consolidation going on in the aggregation space Long settlement times (~60 days) Mortgage brokers do not have a stellar reputation, which is why.. National industry regulation is likely to come soon Risk of softening market due to rate increases / increase in cost of home building 5
6 AS WELL AS OPPORTUNITIES To fill the void between banks & mortgage brokers: Banks: limited product choice (proprietary products only), mediocre service, poach clients, not relationship-based Mortgage brokers: struggling financially -> long term viability concerns, poor reputation, lack national servicing capabilities, business not scalable We have successfully signed up new referrers by positioning Coneco as the better alternative to banks and mortgage brokers and playing up our ASX and board credentials To benefit from industry regulation, which will cause some brokers to exit the business and make the requirements more stringent for new entrants, to the benefit of consumers. To offer our clients the full service lending capabilities that they need / are asking for To compete on service, fast execution, ability to get the deals done, and the credibility that comes with public company status 6
7 WHAT WE ARE FOCUSING ON Growing our commercial business lines, including land, development & construction projects invoice / debtor/ inventory financing lease and asset finance rental bonds business broking Expanding into 3rd party distribution via wholesale products Offering real estate advisory services selling land & home packages for our builder/developer clients (and then providing the financing) providing property management services buyers advocacy Increasing the number of our referral partners financial planners, accountants, real estate agents. stockbroking firms Implementing a scalable service model 7
8 BUSINESS LINES RETAIL CORPORATE & COMMERCIAL -Mortgage Broking -Mortgage Management -Leasing & asset finance Financing -Mortgage Broking -Mortgage Management -Leasing & asset finance -Inventory finance -business acquisitions 1Q08 est. Real Estate Advisory Business Broking -Real estate sales -Investment property management -Buyers advocacy Agent for non-bank lenders Insurance Deposit Bonds Rental Bonds 8
9 FINANCIAL SUMMARY We expect to breakeven in CY 2008 Expect revenue growth to come off of existing cost base Do not anticipate any major increases in operating costs 9
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