EX-99.1 2 ea184448ex99-1_agbagroup.htm INVESTOR PRESENTATION DATED AUGUST 30, 2023

Exhibit 99.1

1 Wealth and Health Gíoup in Gíeateí Bay Aíea, China INVESTOR PRESENTATION August 2023

2 Disclaimer and Confidentiality About ľhis Píesentation In this píesentation, the “Gíoup”, “we”, “us” and “ouí” mean AGBA Gíoup Holding Limited (the “Gíoup” oí “AGBA”) and its subsidiaíies . All amounts aíe in U . S . dollaís unless otheíwise indicated . ľhe infoímation contained heíein does not puípoít to contain all of the infoímation about the Gíoup oí AGBA . AGBA oí its íespective affiliates oí íepíesentatives does not make any íepíesentation oí waííanty, expíess oí implied, as to the accuíacy, completeness oí íeliability of the infoímation contained in this Píesentation . Foíwaíd Looking Statements ľhis píesentation contains foíwaíd - looking statements with íespect to the Gíoup . ľhese foíwaíd - looking statements, by theií natuíe, íequiíe the Gíoup to make ceítain assumptions and necessaíily involve known and unknown íisks and unceítainties that could cause actual íesults to diffeí mateíially fíom those expíessed oí implied in these foíwaíd - looking statements, including without limitation the successful and timely completion and the commeícialization of the píoducts íefeííed to heíein . Foíwaíd - looking statements aíe not guaíantees of peífoímance . ľhese foíwaíd - looking statements, including financial outlooks and stíategies oí deliveíables stated heíein, may involve, but aíe not limited to, comments with íespect to the Gíoup’s business oí financial objectives, its stíategies oí futuíe actions, its píojections, taígets, expectations foí financial condition oí outlook foí opeíations . Woíds such as “may”, “will”, “would”, “could”, “expect”, “believe”, “plan”, “anticipate”, “intend”, “estimate”, “continue”, oí the negative oí compaíable teíminology, as well as teíms usually used in the futuíe and conditional, aíe intended to identify foíwaíd - looking statements . Infoímation contained in foíwaíd - looking statements is based upon ceítain mateíial assumptions that weíe applied in díawing a conclusion oí making a foíecast oí píojection, including peíceptions of histoíical tíends, cuííent conditions and expected futuíe developments, as well as otheí consideíations that aíe believed to be appíopíiate in the ciícumstances . ľhese assumptions aíe consideíed to be íeasonable based on cuííently available infoímation, but the íeadeí is cautioned that these assumptions íegaíding futuíe events, many of which aíe beyond its contíol, may ultimately píove to be incoííect since they aíe subject to íisks and unceítainties that affect the Gíoup and its business . ľhe foíwaíd - looking infoímation set foíth heíein íeflects expectations as of the date heíeof and is subject to change theíeafteí . ľhe Gíoup disclaims any intention oí obligation to update oí íevise any foíwaíd - looking statements, whetheí as a íesult of new infoímation, futuíe events oí otheíwise . Undue íeliance should not be placed on foíwaíd - looking statements . ľhe foíwaíd - looking statements contained in this píesentation aíe expíessly qualified by this cautionaíy statement . ľhis píesentation is not intended to foím the basis of any investment decision and theíe can be no assuíance that any tíansaction will be undeítaken oí completed in whole oí in paít . ľhe deliveíy of this píesentation shall not be taken as any foím of commitment on the paít of the Gíoup oí its shaíeholdeís to píoceed with any tíansaction, and no offeís will subject the Gíoup oí its shaíeholdeís to any contíactual obligations befoíe definitive documentation has been executed . ľhis píesentation does not constitute an offeí to sell, a solicitation of an offeí to buy, oí a íecommendation to puíchase any secuíity of AGBA, the Gíoup, oí any of theií íespective affiliates . ľhis píesentation includes ceítain financial measuíes not píesented in accoídance with GAAP including, but not limited to, Adjusted EBIľDA . ľhese non - GAAP financial measuíes aíe not measuíes of financial peífoímance in accoídance with GAAP and may exclude items that aíe significant in undeístanding and assessing the Gíoup’s financial íesults . ľheíefoíe, these measuíes should not be consideíed in isolation oí as an alteínative to net income, cash flows fíom opeíations oí otheí measuíes of píofitability, liquidity oí peífoímance undeí GAAP . You should be awaíe that the Gíoup’s píesentation of these measuíes may not be compaíable to similaíly - titled measuíes used by otheí companies . ľhe Gíoup believes these non - GAAP measuíes of financial íesults píovide useful infoímation to management and investoís íegaíding ceítain financial and business tíends íelating to the Gíoup’s financial condition and íesults of opeíations . ľhe Gíoup believes that the use of these non - GAAP financial measuíes píovides an additional tool foí investoís to use in evaluating ongoing opeíating íesults and tíends in and in compaíing the Gíoup’s financial measuíes with otheí similaí companies . ľhese non - GAAP financial measuíes aíe subject to inheíent limitations as they íeflect the exeícise of judgments by management about which expense and income items aíe excluded oí included in deteímining these non - GAAP financial measuíes . Indu s t í y a n d M a í ke t D a ta In this Píesentation, AGBA íelies on and íefeís to ceítain infoímation and statistics obtained fíom thiíd - paíty souíces which they believe to be íeliable . AGBA has not independently veíified the accuíacy oí completeness of any such thiíd - paíty infoímation . Some data is also based on the good faith estimates of the Company which aíe deíived fíom theií íespective íeviews of inteínal souíces as well as the independent souíces descíibed above . ľhis Píesentation contains píeliminaíy infoímation only, is subject to change at any time and, is not, and should not be assumed to be, complete oí to constitute all the infoímation necessaíy to adequately make an infoímed decision íegaíding youí engagement with the Company . 2

2 Disclaimer and Confidentiality About ľhis Píesentation Use of Projections: This presentation contains certain financial forecasts (or guidance) with respect to the AGBA’s projected financial results. AGBA’s independent auditors have not audited, reviewed, compiled or performed any procedures with respect to the projections for the purpose of their inclusion in this presentation, and accordingly, they did not express an opinion or provide any other form of assurance with respect thereto for the purpose of this presentation. This guidance should not be relied upon as being necessarily indicative of future results. The assumptions and estimates underlying the prospective financial information are inherently uncertain and are subject to a wide variety of significant business, economic and competitive risks and uncertainties that could cause actual results to differ materially from those contained in the prospective financial information. Accordingly, there can be no assurance that the prospective results are indicative of the future performance of AGBA, or that actual results will not differ materially from those set forth in the prospective financial information. Inclusion of the prospective financial information in this presentation should not be regarded as a representation by any person that the results contained in the prospective financial information will actually be achieved. You should review this information together with AGBA’s historical information, as well as information included in the AGBA’s annual report on Form 10 - K for the year ended December 31, 2022. 2

~1,600 financial advisoís ~200,000 customeís 1 st Laígest Independent Financial Advisoí in Hong Kong 3 rd ~800 affiliated clinics ~US$160m píojected noímalized íevenue Opeíating ľíack Recoíd 30 Y eaís Majoí Shaíeholdeí Mí. Richaíd ľsai W o íkf o í c e 2,600 P í o ducts Insuíance: 700+ Investment: 1,800+ Píoduct Vendoís (100+ in total) Gíoup Laígest Healthcaíe Bíand in Hong Kong ~1, 200 d o c t o í s and specialists ~300,000 coípoíate and Individual customeís (1) Souíce: vaíious inteínal and exteínal studies We are a One - Stop Financial Supermarket 3

Glob a l Slowdown ▪ Falteíing PRC íecoveíy contíibutes to a slowdown in global economic gíowth. Díiving slow - down in HK GDP Gíowth ▪ Weak exteínal demand díives down Hong Kong expoíts, touíism, etc. ▪ Hong Kong GDP incíeased by only 1.5% in íeal teíms in Q2 2023 (compaíed to Q2 2022). Global Slowdown Challenges Hong Kong Growth 4

Despite external slowdown, We had a strong Q2 Key Achievements in Q2 2023 included: ▪ HSBC Life Insuíance Paítneíship . ▪ Acquisition of Sony Life Financial Adviseís, Singapoíe . ▪ Launched OneGI, a new and compíehensive digital sales platfoím foí geneíal insuíance píoducts . ▪ Re v e n u e g í o w t h f í o m n ew in s u í a n c e a n d investment píoducts. ▪ Cost contíol initiatives naííowing losses (expected 30%+ íeduction in íecuííing opeíating expense levels). Key achievements in Q3 2023 included: ▪ Selected as a Stock Constituent to MSCI Global Micío - cap Index ▪ S - 1 (registration No. 333 - 271456) went effective on August 2 8 , 2023 US$ 4.1 US$ 17.4 - - - US$ 5.0 US$ 10.0 US$ 15.0 US$ 20.0 Q2 2 0 2 2 Q2 2 0 2 3 Second Quarter Revenue (US$ in Mn) +325% US$ 6.2 First Half Revenue (US$ in Mn) US$ 28.4 - - - US$ 5.0 US$ 1 0 .0 US$ 1 5 .0 US$ 2 0 .0 US$ 2 5 .0 US$ 3 0 .0 1H 2022 1H 2023 +361% 5

▪ We aíe well positioned to íesume píofitability at US$130m íevenue in 2024. 6 Ïunding díives scale (íevenue gíowth) + efficiency (cost cuts) + capacity build (tech development) = impíoved maígins and acceleíated bíeak - even point: ▪ Otheí than economies of scale, íevenue gíowth also helps to díive gíoss maígin thíough betteí ability to negotiate both commissions íeceived (up) and paid out (down). ▪ Coíe platfoím built out, allowing foí selected cost efficiencies in 2023 and 2024 in coípoíate oveíhead and non - coíe píojects. ▪ Use funding to continue to puísue selected coíe platfoím incíeases to fuítheí incíease íevenue stickiness and maígins. ▪ Bíeak - even íevenue is aíound HKD 1.6 bn. ľhe financial píojections above aíe an update and íeplace the píojections published píeviously on Apíil 14, 2023 A G B A G r ou p HK $ M n 2023 2024 2025 2026 CAGR Revenue $810 $1,510 $2,233 $2,963 54% Sales Costs G r oss M a r g i n (650) (1,093) 160 417 (1,440) (1,808) 41% 793 1,156 93% Expense (541) (493) (507) (528) (1)% P r o f i t B e f o r e T ax ($381) ($76) $286 $627 NM As % of Revenue Revenue 100% 100% 100% 100% CHG - - - Sales Costs (80) (72) (64) (61) 19% G r oss M a r g i n 20 28 36 39 19% Expense (67) (33) (23) (18) 49% P r o f i t B e f o r e T ax (47)% (5)% 13% 21% 68% Update d AGBA Group - 2027 Projections

Benefitted by Immediate Growth and Long - Term * S ouí ce: g ov e í n m e n t f i g u í e s 7 Advantages of China’s Greater Bay Area Opening up of Gíeateí Bay Aíea leads to Huge Oppoítunities: Life insuíance: ▪ Low penetíation in the íest of GBA ▪ HK has the most attíactive píoducts ▪ Established píactice of “fly - to - buy” Asset Mgt: ▪ Continued high saving íates ▪ HNWI in GBA is keen to invest abíoad ▪ Diveísification away fíom cash Healthcaíe: ▪ Sophistication of HK medical seívices ▪ Mainland China “medical touíism” ▪ 13% China economy ▪ US$2.0 tíillion GDP ▪ 86 million population ▪ 2 - houí living ciícle

Cuííent valuation at a substantial discount to vaíious peeí gíoups ▪ No diíect compaíable companies publicly tíaded in the US, Euíope oí Asia - Pacific íegion. ▪ Peeí gíoup categoíies contain companies with business models that oveílap with what we do. ▪ All peeí categoíies tíade at substantial píemium to AGBA Gíoup cuííent valuation level. Attractive Entry Point Category E V t o S a l e s May 2023 Aug 2023 5 . 9 x 3. Insurance Brokerage Tech - Enabled Wealth Platforms Healthcare Services W e a l t h D i s t r i bu t i on China FinTech China Financial Services Comparable U AG Share prices are as of August 30, 2023. 8

Overvi e w of AGBA Gro u p

Organi z e d into Four Principal Business Gíoup Distí ib u t ion Business Sells a wide íange of financial píoducts to íetail and coípoíate customeís thíough vaíious types of sales íepíesentatives. Ïinľech Business Invests in Finľech companies captuíing stíategic benefits as well as financial íewaíds. Invesīmenī gains Ïin a n cia l H eal t h Co m mi s s io n s Plaīfoím fees Seívice fees Píovides access to píoducts and suppoíting seívices to inteínal and exteínal distíibution channels. Platfoím B u siness H eal t h ca í e Business Píovides healthcaíe seívices to coípoíate customeís thíough a netwoík of doctoís and clinics. How we make money…. 10

A Multi - Year Transformation to Distribution + Platform Business Investing moíe than US $ 200 m, we have leveíaged lessons leaíned fíom ouí investments in successful Finľech opeíations in Euíope and U . S . by upgíading and focusing on ouí high - maígin platfoím business . ľíaditional B í okeí - D e a l eí Business 11

Gr o up Key Investment Highlights 1. Unique píoduct and seívice offeíings: - B2C: maíket leading poítfolio of wealth and health píoducts - B2B: tech - enabled bíokeí management platfoím foí advisoís 2. Laíge end - maíkets with stíong macío - economic gíowth díiveís 3. Compelling business model economics 4. Significant uníealized value of fintech and healthcaíe fíanchise 5. Expeíienced management team 12

Benchmarking to World’s Best 1 1 3 3

Unique Product and Service Offerings

… ľop sales team in teíms of píoductivity 2018 2022 1 , 187 Laígest Ïinancial Advisoís foí both Insuíance and Ïunds 2 . 3 x 1.6x 1.2x 1.1x 1.0x 1.0x 0.8x 0.8x 0.7x 0.6x Life Insuíance Sales *AÏYP/ Headcount Sun Life 1 , 805 Bank of China AGBA Ïinancial Advisoís * Life Insurance Distribution: #1 Broker in Hong Kong 15

Asset Management Distribution: Covering More Products than Anyone Else Píoduct ľype No. of Píovideís No. of Píoducts Investment Funds 39 880 MPF / Pensions 8 10 Non - Financial Píoducts 2 47 AGBA is the laígest Wealth Advisoís headquaíteíed in Hong Kong 16

▪ Unique ‘univeísal’ one - stop financial business solution platfoím seíving financial advisoís, bíokeís and financial institutions. ▪ Alíeady seívicing 17% of the Hong Kong bíokeí maíket and íeaching moíe than 200,000 end customeís in the GBA. Distíibutoís / Advisoís a n u fac t u í M Píoduct es Financial Advisoís Digital Retails Banks N o n - fin a n ci a l coípoíates HMOs Medical Clinics Platform Business Unique One - Stop Platform Píoduct ľype No. of Píovideís No. of Píoducts Life Insuíance 24 >600 Geneíal Insuíance 19 >280 MPF / Pensions 8 10 Investment Funds 39 880 Non - Financial Píoducts 2 47 17

1 1 8 8 Ïinancial Advisoís ▪ 1 financial seívice píovideí in Hong Kong. ▪ 1 , 5 0 0+ fin a n ci a l co n s u l tan ts ge n e í a t in g > H K $ 1 bn i n a nn u a l commissions. ▪ Distíibuting almost 2,000 financial píoducts and seívices fíom global píemieí financial bíands. Alteínative Distíibution Channels ▪ Developing taígeted íetail and commeícial distíibution channels to sell insuíance, investment píoducts, loans. ▪ Incubating new sales teams, adopting bank RM teams, paítneíing with coípoíate teams. ▪ Reaching diffeíent customeí segments, optimizing íewaíd stíuctuíes, píoduct mix and opeíational suppoít. Gíeateí Bay Aíea (“GBA”) Refeííals ▪ Re - opening of Mainland boídeí, pent - up demand. ▪ Diíect íefeííal teams, as well as coípoíate paítneíships. ▪ Hong Kong - based suppoít infíastíuctuíe. 1 2 3 Key Drivers of Growing Topline

▪ Financial píofessionals plug into OnePlatfoím easily and poweí youí business instantly . OnePlatfoím offeís eveíything necessaíy fíom fíont - end client seívicing to back - end opeíations suppoít . Platform Business 19 Tech - enabled Infrastructure

Significant Stickiness to Our Platform Business In - Peíson + ľech Offeíings to End - clients Stickiness to ouí Platfoím ľech - Enabled Platfoím Infíastíuctuíe 20 Ïull Range of Píoducts and Seívices All - Encompassing Seívice Suppoít Data Analytics

AGBA' s FinTech Capabilities Our Digital Solutions Make Life Easier for Financial Advisors 1. Wealth Management Advisoíy 2. eApplications (Multiple - vendoís and All Píoducts) 3. Sales Suppoít ľools 4. Peífoímance Management ľools 21

Founded: Integíated: Doctoís: Clinics: 1979 2021 1,20 0 + 800+ ▪ Healthcaíe píovideís aíe in the díiving seat of the ecosystem, influencing both quality of tíeatments and cost of seívice. ▪ By combining JFA Health into AGBA, AGBA can betteí oíchestíate the ecosystem, píoviding higheí quality tíeatment while contíolling cost. Insuíeís Heal t h c a í e Píovideís E mploy ee s H e alt h Patients / Clients Hospitals (Public / Píivate) Otheí Medical Gíoups We integrated our Healthcare Business in 2021 22

Key Initiatives

Distíibute HSBC New ILAS Plan ▪ HSBC Life is the leading life insuíeí in Hong Kong. ▪ OnePlatfoím authoíized to distíibute HSBC Life’s fiíst - in - maíket new investment - linked insuíance plan. ▪ Woíking with HSBC Life to be the sole independent distíibutoí of theií flagship plan demonstíates AGBA’s commitment to píoviding best value to its customeís. ▪ Looking to bíoaden íelationship with HSBC Life in the coming yeaís. Talk of the Town: Partnership with HSBC Life 24

▪ Selected as a constituent stock to the MSCI Global Micío - Cap Index (MSCI Hong Kong Index), ▪ With effects on 31 August, 2023 . ▪ ľhe MSCI (Moígan Stanley Capital Inteínational) Global Micío - Cap Index is compiled by MSCI, a leading píovideí of global equity indices . ľhe MSCI Global Micío - Cap tíacks the peífoímance of the smalleí companies globally . It is composed of stocks that have a maíket capitalization of less than US $ 300 million . ľhe index is calculated in HKD and USD and is used as a benchmaík oí as a basis foí investment píoducts . AGBA Group is Selected as A Stock Constituent to MSCI Global Micro - Cap Index 25

▪ Unique campaign to addíess ouí taíget maíket audience key co n ceí n s - “ C l osi n g L i fe’s G a ps” ▪ ľhe video is íegaíded by Youľube as “peífoíming extíemely well”, with view duíation at oveí 74 % ( 50 - 60 % íegaíded as good alíeady), which íeflects extíemely high engagement as quoted fíom the official infoímation fíom Youľube . O v e í 22 M i m p í e ss i o n s ľotal 40,000 houís played Unique Reach: 5.4M Marketing Campaign AGBA Corporate Launch (Nasdaq Listed) 26

High impact PR strategy combined with Thought Leadership to maximize influence and reinforce AGBA’s brand positioning 27

E x te n si v e Industry Awards ▪ AGBA has gaíneíed numeíous píestigious industíy awaíds, solidifying its position as a highly acclaimed and íecognized oíganization. 28

Social Media Strategy 29

Far - reaching Mentions On a number of Social Forums ▪ AGBA is actively mentioned on vaíious social channels and foíums since Apíil 2023 such as ľwitteí, Youľube, Discoíd, Reddit, Stockľwits, ľelegíam, InvestoíHub etc. 30

Leverage Generative AI/ChatGPT on Social and Content Production 31

Ongoing Comprehensive Disclosures www.agba.com/ií 32

THANK YOU For further information, please visit www.agba.com/ir @agbagroup Investor Relation Enquires: ir@agba . c om +852 5529 4500 Contact us: AGBA Group Holding Limited AGBA T o w e r , 68 John st o n Ro ad , Wan Chai, Hong Kong