Slide 1: Regulation 30 intimation cover letter to stock exchanges
Intellect/SEC/2023-24 January 25, 2024 1. National Stock Exchange of India Limited, Scrip Symbol : Exchange Plaza, 5th Floor, Plot No. C/1, G Block, INTELLECT Bandra Kurla Complex, Bandra (E), Mumbai – 400 051. 2. BSE Limited, Scrip Code : st 1 Floor, New Trade Ring, Rotunda Building, PJ Towers, 538
Slide 2: Q3FY24 Results Earnings Announcement
The World’s only NextGen Open Finance, Composable and Contextual Financial Technology Company Q3FY24 Results Earnings Announcement
Slide 3: Safe Harbour Statement
Safe Harbour Statement Certain statements in this release concerning our future prospects are forward-looking statements. Forward-looking statements by their nature involve a number of risks and uncertainties that could cause actual results to differ materially from market expectations. These risks
Slide 4: Intellect: A Global Financial technology Company
Intellect: A Global Financial technology Company The World's Only Nextgen, Composable and Contextual Financial Technology Platform Our Purpose • Accelerating digital transformation and value creation To provide Large Enterprise Grade Composable • With Design Thinking in our DNA and Contextual soluti
Slide 5: Design is at the Heart of Digital Strategy
Design is at the Heart of Digital Strategy The single most powerful competitive differentiator for financial institutions to drive Digital Leadership Understanding Requirements Stated / Felt / Unstated Observing Patterns Connecting the dots World’s first design center for FinTech 8012 Design Center,
Slide 6: The World's Largest Open Finance Platform
the World’s Largest Open Finance Platform which is an arcade of the most comprehensive Microservices and APIs, enabling banks to move progressively to Wave 5 312 1214 200+ ready-to-use APIs Events Microservices on Cloud 5
Slide 7: Open Finance Platforms
IDX, Underwriting, Wealth, Capital Market, iESG eMACH.ai IDC, Quantum, iKredit360, Digital Open Finance Engagement Platform, Capital Cube Platforms CTX, Payments,DTB, iColumbus.AI 6
Slide 8: Performance Overview
PERFORMANCE OVERVIEW —_—_—_—_—>=
Slide 9: Predictable and Sustainable Growth
Predictable anD SUSTAINABLE Growth Cash: Cash position at the end of LTM Revenue: 20% CAGR in 3 Q3FY24 is 712 Cr with Collections years and 19% in 1 year crossing 1760 Cr in YTD ‘Dec 23 7 1 DSO: Days sales outstanding LTM LLR: 20% CAGR in 3 for Q3FY24 is 107 6 2 years and 23% in 1 year 5 3 LTM PAT:
Slide 10: LTM Q3FY24 - Financial Highlights
LTM Q3FY24- Financial Highlights 2522 Cr Total Revenue 513 Cr Platform 1400 Cr 56% 1375 Cr Licence Linked Revenue (INR) Gross Margin (INR) Gross Margin% (License + Platform + AMC (INR) Revenue (INR) Revenues) 424 Cr 437 Cr 555 Cr 22% 48 License (INR) AMC (INR) EBITDA (INR) EBITDA % Deal Wins 339 Cr
Slide 11: YTD Dec'23 - Financial Highlights
ytd dec’23- Financial Highlights 1901 Cr Total Revenue 399 Cr Platform 1051 Cr 55% 1041 Cr Licence Linked Revenue (INR) Gross Margin (INR) Gross Margin% (License + Platform + AMC (INR) Revenue (INR) Revenues) 312 Cr 331 Cr 412 Cr 22% 36 License (INR) AMC (INR) EBITDA (INR) EBITDA % Deal Wins 248 Cr
Slide 12: Q3FY24 - Financial Highlights
Q3FY24 - Financial Highlights 635 Cr Total Revenue 111 Cr Platform 347 Cr 55% 347 Cr Gross Margin (INR) Gross Margin% (INR) Revenue (INR) Licence Linked Revenue (INR) (License + Platform + AMC Revenues) 124 Cr 112 Cr 132 Cr 21% 14 nnual Recurring Revenue (ARR) (On Annualised Basis) License (INR) AMC
Slide 13: LTM Revenues - Predictable and Sustainable Growth
LTM Revenues - Predictable and Sustainable Growth Dec 23 2522 Sep 23 Jun 23 2441 Mar 23 2350 Dec 22 2246 Sep 22 2126 Jun 22 2072 Mar 22 1990 1856 CAGR Dec 21 Sep 21 1751 Jun 21 1631 Mar 21 1556 20% 20% 19% Dec 20 1499 1464 3 Year 2 Year 1 Year Sep 20 1402 (Inr Crs) 12
Slide 14: License Linked Revenue - Predictable Growth
Dec 23 Sep 23 1375 License Linked REvenue - Predictable Growth Jun 23 1310 Mar 23 1252 Dec 22 1173 Sep 22 1121 Jun 22 1124 Mar 22 1101 Dec 21 1057 Sep 21 1000 CAGR Jun 21 924 20% 17% 23% Mar 21 876 Dec 20 813 795 3 Year 2 Year 1 Year Sep 20 733 (Inr Crs) 13
Slide 15: Revenue Mix: Currency Wise Q3FY24
Revenue Mix: CURRENCY WISE Q3FY24 EURO 11% OTHERS 7% USD 37% INR 26% CAD 5% GBP 14% 14
Slide 16: Financial Results for the Third Quarter Ended December 31, 2023
Financial Results for the Third Quarter Ended – December 31, 2023 Additional Information on function wise classification of the statement of Profit and Loss of the Group INR Cr Quarter Ended YTD Ended Last Twelve Months (LTM) Dec 31, 2023 Dec 31, 2022 Dec 31, 2023 Dec 31, 2022 Dec 31, 2023 Dec 31, 2
Slide 17: Accelerating growth with eMACH.ai
accelerating growth with eMACH.ai eMACH.ai accelerates growth with 14 Deal Wins and 13 DIGITAL TRansformations 16
Slide 18: OTP Bank chose eMACH.ai based Digital Core and Lending
OTP Bank chose eMACH.ai based complete Digital Core and Lending to transform their banking experience OTP Bank, one of the leading banking groups in Central and Eastern Europe, chose eMACH.ai powered Intellect Digital Core (IDC) core banking system by iGCB to power its banking experience in Bulgaria
Slide 19: Indian Bank chose eMACH.ai powered Cash Management System
Indian Bank chose eMACH.ai powered Cash Management System - Payments & Collections to strengthen transaction banking capabilities Indian Bank, one of the leading government-owned banks in India serving over 100 million customers, chose Intellect’s eMACH.ai powered Cash Management System to bolster t
Slide 20: Top Kuwait bank chose eMACH.ai Digital Transaction Banking Platform
One of the TOP 10 Banks in KUWAIT has chosen eMACH.ai powered Digital Transaction Banking Platform for CASH, Trade and Liquidity One of the largest banks in Kuwait and the first locally-owned bank in the country chose iGTB’s Digital Transaction Banking (DTB) powered by eMACH.ai architecture to autom
Slide 21: Pacific superannuation fund chose eMACH.ai Digital Core Banking
A large private sector superannuation funds institution in the Pacific Region chose the eMACH.ai-powered Digital Core Banking Platform for comprehensive financial growth & stability One of the largest private sector superannuation fund institutions in the Pacific Region, which provides retirement sa
Slide 22: eMACH.ai Acknowledged as a Transformative Open Finance Platform
eMACH.ai: Acknowledged as a Transformative Open Finance Platform by industry Celent WealthBriefing Gartner IBSi Forrester MENA 2023 • iGTB's Receivables • Intellect identified as a • iGTB's Supply Chain Finance • Intellect featured among Management Solution is representative vendor for identified as
Slide 23: Strong Funnel Progression for the Year
Strong Funnel Progression for the Year The current funnel of Intellect Destiny INR 8020 Cr INR 7520 Cr Deals Q3FY24 Q2FY24 Q3FY23 INR 7031 Cr # Of Deals 79 74 68 Q2FY24 Q3FY23 Avg Deal Size Q3FY24 Inr Cr 53 53 45 Q3FY24 Q2FY24 Q3FY23 As % of Out of INR 8,020 Cr Out of INR 7,520 Cr Out of INR 7,031 C
Slide 24: Destiny Deals - consistent growth in big ticket deals
Destiny Deals - consistent growth in big ticket deals Q3FY24 Q2FY24 Q3FY23 • 5 won > INR 50 Cr 19 • 14 from previous qtr • 5 added 19 16 • 4 Won INR 30 Cr – • 1 Lost INR 50 Cr 25 • 20 from previous qtr 25 23 • 5 Added • 1 Won INR 20 Cr – INR 30 Cr 35 • • 2 Lost 27 from previous qtr 30 29 • 8 added •
Slide 25: Stock Information
Stock Information Shareholding Pattern (As on 31st December 2023) Stock Data (As on 31st December 2023) Market Cap ₹ 11441 Cr. Stock Price 837 Others Promoters 52 Week (High / Low) ₹ 843/389 FPI NSE / BSE - Symbol INTELLECT / 538835 3.10% No. of Shares Outstanding 136696258 Mutual Funds Average Dail
Slide 26: Contacts
Contacts Vasudha Subramaniam Praveen Malik Nachu Nagappan Chief Financial Officer Investor Relations Corporate Communication vasudha.s@intellectdesign.com +91 8939782837 +91 8939619676 praveen.malik@intellectdesign.com nachu.nagappan@intellectdesign.com 25
Slide 27: Copyright and confidentiality notice
© 2024, Intellect Design Arena Limited. All rights reserved. These materials are confidential and proprietary to Intellect and no part of these materials should be reproduced, published in any form by any means, electronic or mechanical including photocopy or any information storage or retrieval sys