Slide 1: NetSol Technologies PSX Corporate Briefing
NETSOL TECHNOLOGIES PSX CORPORATE BRIEFING CONFIDENTIAL ©NETSOL TECHNOLOGIES LIMITED
Slide 2: Agenda
Corporate Introduction Agenda Our Products and Solutions Non-Financial Highlights Financial Overview Positive Trends & Awards CONFIDENTIAL ©NETSOL TECHNOLOGIES LIMITED
Slide 3: Corporate Introduction
Corporate Introduction Became first digital Apps Through Acquisitions NETSOL gained 25+ Introducer NETSOL signed a $30M contract Years of experience in Europe 1995 2006 NETSOL was the first IT vendor to implement a 2015 1999 mobile point of sale solution in the global asset The company signed a cont
Slide 4: Corporate Introduction: Regional Expansion & AI Innovation
Corporate Introduction Regional Expansion & AI Innovation Outreach expansion across MENA region Signed a landmark $20M TCO agreement with the captive finance Expanded our footprint to MENA region through arm of a leading Japanese automaker to implement Transcend Incorporation of a group subsidiary i
Slide 5: Transcend Finance (Formerly NFS Ascent)
Transcend Finance (Formerly NFS Ascent) Omni POS CMS WFS Omni Point of Sale Contract Management System Wholesale Finance System A highly agile, easy-to-use, web-based application – also accessible through Transcend’s Contract Management System (CMS) is a powerful, highly agile, The system provides a
Slide 6: Transcend Finance Capabilities
Transcend Finance Capabilities CREDIT DATA INTEGRATION Final Settlement Credit Evaluation Activation § Distributor § Credit Data § Creation Business Partner Manager Reporting § Sanctions/OFAC/KYC § Tax / Insurance/Registration/ Commission/subsidy § Partner Settlements Dealer Evaluation § Field Inves
Slide 7: NetSol's MACH Technology
NETSOL’S MACH Technology Cost Effective Flexible Architecture Speed-to-market Cloud-based software delivery Create ecosystems of apps that are Designing products around an API from method modular and reusable the ground up Benefits: Benefits: Benefits: Pay-as-you-go/use pricing Reusable software Acc
Slide 8: Transcend Marketplace (Formerly AppexNow)
Transcend Marketplace (Formerly AppexNow) Our composable, Lego-like architecture and development organization structure provisions us to build products one on top of the other by leveraging matured, configurable and scalable modular blocks. Calculation Engine Tax Engine Program & Rates Integration S
Slide 9: Transcend Consultancy
Transcend Consultancy $924B $1598B Total Addressable Market Total Addressable Market In 2024 | CAGR 9.5% By 2030 Professional Services Global Market Focus Employ industry’s best talent to help you develop and refine your technology strategy, innovate, execute your roadmap, and optimize service quali
Slide 10: Transcend AI Labs
At Transcend AI Labs, we are embedding AI at the core of NETSOL’s strategy—driving internal efficiency, reducing costs, and unlocking new revenue streams. By delivering advanced AI solutions across finance, banking, fintech, insurance, auto finance, and retail, we are strengthening client partnershi
Slide 11: Non-Financial Highlights
NON-FINANCIAL HIGHLIGHTS NETSOL achieved the Go Live milestone for a leading Chinese NETSOL was successfully able to implement new AI equipment leasing company on delivering various digital and enablement for a UK-based care home service provider business services. supporting smarter, data-driven de
Slide 12: Non-Financial Highlights: Social
NON-FINANCIAL HIGHLIGHTS Social NETSOL Education Support Program (NESP): PKR 36M contributed in 2025 to fully cover tuition, uniforms, books & transport for children of support staff Higher Education Support: Over PKR1.7M contributed to support higher education of deserving students Development in L
Slide 13: Financial Highlights
FINANCIAL HIGHLIGHTS Australia - $20 Million TCO NETSOL successfully signed a landmark agreement with the captive finance arm of a leading Japanese automotive manufacturer to implement its Transcend Finance platform for both retail and wholesale operations across Australia and New Zealand. Global -
Slide 14: Revenues Movement
REVENUES MOVEMENT Segregated Revenues FY24 vs FY25 YOY Growth in Revenue Local vs Export FY24 Revenue 10,000 9,280 9,018 9,000 1% 8,000 S&S 12% Local Services (2%) Export 7,000 4,694 License (93%) 5,257 99% 6,000 PKR in Millions Subscription and Support 5,000 Services Revenue Local vs Export FY25 Li
Slide 15: Financial Indicators Movements
FINANCIAL INDICATORS MOVEMENTS Gross, Net Profit FY24 vs FY25 EPS FY24 vs FY25 Net Profit Gross Profit EPS 18 16 2024, 15.76 1,031 2025 14 3,584 12 2025, 11.89 10 PKR 8 1,384 6 2024 4,164 4 2 0 500 1,000 1,500 2,000 2,500 3,000 3,500 4,000 4,500 0 PKR in Millions 2024 2025 CONFIDENTIAL ©NETSOL TECHN
Slide 16: Balance Sheet Overview
BALANCE SHEET OVERVIEW Assets FY 2024 Assets FY 2025 13% 13% 32% 26% 55% 61% Cash and Bank Other Current Assets Cash and Bank Other Current Assets Non-Current Assets Non-Current Assets Liabilities FY 2024 Liabilities FY 2025 0% 1% 42% 34% 58% 65% Short term Borrowing Other Current Liabilities Short
Slide 17: Positive Trends
Positive Trends • According to Mordor Intelligence, the global auto-finance market is expected to • Shift from ownership to usage → rising demand for leasing, subscription, and flexible increase from $325.62 billion in 2025 to $471.83 billion by 2030, growing at a financing. 7.70% CAGR • Higher vehi
Slide 18: Awards
Awards • China Financial Leasing Excellence Service Award • Automotive Finance New Productivity Innovation Pioneer Award • Monitor Daily’s Next-Gen Leaders in Equipment Finance • Best-as-a-Service Solution (Transcend Retail) at the Banking Tech Awards USA 2025 CONFIDENTIAL ©NETSOL TECHNOLOGIES LIMIT
Slide 19: Thank You
Thank You CONFIDENTIAL ©NETSOL TECHNOLOGIES LIMITED