10/7/2016 Asia Pacic Debit Protability Analysis Tool

[adsadsads]
[sadadssad]
[07-Oct-2016]

Disclaimer
Case studies, statistics, research and recommendations are provided "AS IS" and intended for informational purposes only and should
not be relied upon for operational, marketing, legal, technical, tax, financial or other advice. You should consult with your legal counsel
to determine what laws and regulations may apply to your circumstances. The actual costs, savings and benefits of any
recommendations or programs may vary based upon your specific business needs and program requirements. By their nature,
recommendations are not guarantees of future performance or results and are subject to risks, uncertainties and assumptions that are
difficult to predict or quantify. Visa is not responsible for your use of the information contained herein (including errors, omissions,
inaccuracy or non-timeliness of any kind) or any assumptions or conclusions you might draw from its use. Visa makes no warranty,
express or implied, and explicitly disclaims the warranties of merchantability and fitness for a particular purpose, any warranty of non-
infringement of any third party's intellectual property rights. To the extent permitted by applicable law, Visa shall not be liable to a
client or any third party for any damages under any theory of law, including, without limitation, any special, consequential, incidental or
punitive damages, nor any damages for loss of business profits, business interruption, loss of business information, or other monetary
loss, even if advised of the possibility of such damages.

http://visa-pl-client-app.192.168.56.101.xip.io/ 1/7
10/7/2016 Asia Pacic Debit Protability Analysis Tool

Executive summary- adsadsads

Product portfolio name:
sadadssad
Product type:
VISA Classic
Country:
Australia

Notes Profitability
1

0.875

0.75

0.625

0.5

0.375

0.25

0.125

0
1 2 3 4 5

Executive P&L- adsadsads

Scenario 1 Scenario 2

Year 1 Year 2 Year 3 Year 4 Year 5 Year 1 Year 2 Year 3 Year 4 Year 5

Performance Metrics Performance Metrics

# of Accounts # of Accounts

Cumulative CIF Cumulative CIF

Payment Volume Payment Volume

International Cash Volume International Cash Volume

Revenue Revenue

Interchange Interchange

International International

Other $0 $0 $0 $0 $0 Other $0 $0 $0 $0 $0

Net Interest Revenue Net Interest Revenue

Expenses Expenses

Scheme Fees Scheme Fees

Operating Costs Operating Costs

Profit/Loss Profit/Loss

http://visa-pl-client-app.192.168.56.101.xip.io/ 2/7
10/7/2016 Asia Pacic Debit Protability Analysis Tool

Full P&L - Scenario 1

Performance Metrics Year 1 Year 2 Year 3 Year 4 Year 5 Total
Number of Accounts

Cumulative Cards in Force

Incremental Cards in Force

Payment Volume

International Cash Volume

Total Volume

Revenue
Domestic Interchange

International Interchange

International POS FX Fee

International POS Fee

International Cash FX Fee

International Cash Fee

Annual Card Fees

MCD Exchange Fee

Other Items

Total Revenue

Expenses
Domestic Data Processing

Domestic Brand & Licenses Fee

Domestic POS

International Data Processing

International Brand & Licenses Fee

ISA

International POS

Int. Cash Data Processing

International Brand & Licenses Fee

ISA

International Cash

Product Fee

Scheme Fees

International Cash IRF

Issuance Cost

Operating Costs

Marketing

Rewards

Customer Service & Operations

Risk & Fraud

Others

Total Expense

Debit Scheme Revenue

Net Interest Revenue

Total Profit/Loss

http://visa-pl-client-app.192.168.56.101.xip.io/ 3/7
10/7/2016 Asia Pacic Debit Protability Analysis Tool

Full P&L - Scenario 2

Performance Metrics Year 1 Year 2 Year 3 Year 4 Year 5 Total
Number of Accounts

Cumulative Cards in Force

Incremental Cards in Force

Payment Volume

International Cash Volume

Total Volume

Revenue
Domestic Interchange

International Interchange

International POS FX Fee

International POS Fee

International Cash FX Fee

International Cash Fee

Annual Card Fees

MCD Exchange Fee

Other Items

Total Revenue

Expenses
Domestic Data Processing

Domestic Brand & Licenses Fee

Domestic POS

International Data Processing

International Brand & Licenses Fee

ISA

International POS

Int. Cash Data Processing

International Brand & Licenses Fee

ISA

International Cash

Product Fee

Scheme Fees

International Cash IRF

Issuance Cost

Operating Costs

Marketing

Rewards

Customer Service & Operations

Risk & Fraud

Others

Total Expense

Debit Scheme Revenue

Net Interest Revenue

Total Profit/Loss

http://visa-pl-client-app.192.168.56.101.xip.io/ 4/7
10/7/2016 Asia Pacic Debit Protability Analysis Tool

Total Payment Volume Revenue Distribution

Scenario 1 Scenario 2 Interchange International Fee
1
Interest Revenue Other Items
0.9375 NaN% NaN%

0.875

0.8125

0.75

0.6875

0.625

0.5625

0.5

0.4375

0.375

0.3125

0.25

0.1875

0.125

0.0625

0
1 2 3 4 5

Scenario 1 Scenario 2
Expense Distribution Profitability
Scheme Fees International Fees Scenario 1 Scenario 2
1
Issuance Cost Operating Costs
NaN% NaN% 0.9375

0.875

0.8125

0.75

0.6875

0.625

0.5625

0.5

0.4375

0.375

0.3125

0.25

0.1875

0.125

0.0625

0
1 2 3 4 5

Scenario 1 Scenario 2

http://visa-pl-client-app.192.168.56.101.xip.io/ 5/7
10/7/2016 Asia Pacic Debit Protability Analysis Tool

Assumptions

Opening Number of Accounts: 12 Opening Debit Penetration: 12%

Scenario 1

Cards in Force: Year 1 Year 2 Year 3 Year 4 Year 5 Market Avg.

Projected New Accounts

Debit Activation Rate 50% 50% 50% 50% 50% 50%

Attrition Rate 0% 0% 0% 0% 0%

POS & International Cash Usage: Year 1 Year 2 Year 3 Year 4 Year 5 Market Avg.

Avg. Monthly SPAC $100 $100 $100 $100 $100 $100

Avg. Monthly TPAC 5 5 5 5 5 5

Monthly % Int. Transactions 10% 10% 10% 10% 10% 10%

Int. Cash Activation 5% 5% 5% 5% 5% 5%

Int. Cash Withdrawal Amt. $200 $200 $200 $200 $200 $200

Int. Cash Withdrawals per active card 2 2 2 2 2 2

Customer Fees: Year 1 Year 2 Year 3 Year 4 Year 5 Market Avg.

Int. Transaction FX Markup 0% 0% 0% 0% 0%

Int. Transaction FX Fee $0 $0 $0 $0 $0

Int. Cash FX Markup 0% 0% 0% 0% 0%

Int. Cash FX Fee $0 $0 $0 $0 $0

Annual Card Fee $0 $0 $0 $0 $0

Card Fee Waivers (% of CIF) 0% 0% 0% 0% 0%

Operating Expenses: Year 1 Year 2 Year 3 Year 4 Year 5 Market Avg.

Cost of issuance per card $0 $0 $0 $0 $0

Customer Rewards 0% 0% 0% 0% 0%

Marketing $0 $0 $0 $0 $0

Risk & Fraud - % of PV 0% 0% 0% 0% 0%

Service & Ops - % of PV 0% 0% 0% 0% 0%

Others $0 $0 $0 $0 $0

Other: Year 1 Year 2 Year 3 Year 4 Year 5 Market Avg.

On-US % of Domestic PV 0% 0% 0% 0% 0%

Incremental Act. Balances $0 $0 $0 $0 $0

Net Interest Margin 0% 0% 0% 0% 0%

Visa Incentives $0 $0 $0 $0 $0

Scenario 2
http://visa-pl-client-app.192.168.56.101.xip.io/ 6/7
10/7/2016 Asia Pacic Debit Protability Analysis Tool

Scenario 2

Cards in Force: Year 1 Year 2 Year 3 Year 4 Year 5 Market Avg.

Projected New Accounts

Debit Activation Rate 50% 50% 50% 50% 50% 50%

Attrition Rate 0% 0% 0% 0% 0%

POS & International Cash Usage: Year 1 Year 2 Year 3 Year 4 Year 5 Market Avg.

Avg. Monthly SPAC $100 $100 $100 $100 $100 $100

Avg. Monthly TPAC 5 5 5 5 5 5

Monthly % Int. Transactions 10% 10% 10% 10% 10% 10%

Int. Cash Activation 5% 5% 5% 5% 5% 5%

Int. Cash Withdrawal Amt. $200 $200 $200 $200 $200 $200

Int. Cash Withdrawals per active card 2 2 2 2 2 2

Customer Fees: Year 1 Year 2 Year 3 Year 4 Year 5 Market Avg.

Int. Transaction FX Markup 0% 0% 0% 0% 0%

Int. Transaction FX Fee $0 $0 $0 $0 $0

Int. Cash FX Markup 0% 0% 0% 0% 0%

Int. Cash FX Fee $0 $0 $0 $0 $0

Annual Card Fee $0 $0 $0 $0 $0

Card Fee Waivers (% of CIF) 0% 0% 0% 0% 0%

Operating Expenses: Year 1 Year 2 Year 3 Year 4 Year 5 Market Avg.

Cost of issuance per card $0 $0 $0 $0 $0

Customer Rewards 0% 0% 0% 0% 0%

Marketing $0 $0 $0 $0 $0

Risk & Fraud - % of PV 0% 0% 0% 0% 0%

Service & Ops - % of PV 0% 0% 0% 0% 0%

Others $0 $0 $0 $0 $0

Other: Year 1 Year 2 Year 3 Year 4 Year 5 Market Avg.

On-US % of Domestic PV 0% 0% 0% 0% 0%

Incremental Act. Balances $0 $0 $0 $0 $0

Net Interest Margin 0% 0% 0% 0% 0%

Visa Incentives $0 $0 $0 $0 $0

http://visa-pl-client-app.192.168.56.101.xip.io/ 7/7