Jio Financial Services Limited · NSE:JIOFIN
Jio Financial Services — Shareholder Meeting (August 2025)
27 slides from Jio Financial Services's shareholder meeting presentation, Aug 28, 2025
Slide 1: Exchange filing cover letter
August 28, 2025 BSE Limited National Stock Exchange of India Limited Phiroze Jeejeebhoy Towers, Exchange Plaza, Dalal Street, Fort, Plot No. C/1, G Block, Bandra-Kurla Complex, Mumbai 400 001 Bandra (East), Mumbai 400 051 Scrip Code: 543940 Trading Symbol: JIOFIN Dear Sirs, The presentation made t
Slide 2: Annual General Meeting 2025
Annual General Meeting 2025 August 28, 2025 Hitesh Sethia Managing Director & Chief Executive Officer Jio Financial Services Limited
Slide 3: Safe Harbor
Safe Harbor This presentation contains forward-looking statements which may be identified by their use of words like “plans,” “expects,” “will,” “anticipates,” “believes,” “intends,” “projects,” “estimates” or other words of similar meaning. All statements that address expectations or projections ab
Slide 4: Favourable Structural Tailwinds to Drive Multi-Year Growth
Favourable Structural Tailwinds to Drive Multi-Year Growth Robust Macroeconomic Fundamentals Rs. 188tn* 4.6% USD 694bn^ Upgraded to “BBB” FY24-25 GDP; growing at Retail inflation in FY25 vs From “BBB-” by Standard & Foreign Exchange Reserve 6.5% 5.4% in FY24 Poor’s Global Ratings Strong growth poten
Slide 5: Holistic product suite powering a virtuous flywheel
Holistic product suite powering a virtuous flywheel… JVs with BlackRock Asset management Wealth management Securities broking Invest Borrow Jio Credit Limited (JCL) Digital-first, world-class Suite of retail and corporate lending investment solutions products JVs with Allianz for Reinsurance, Jio Pa
Slide 6: Targeting Mass-affluent and above customers
…Targeting Mass-affluent and above customers Insurance Payment Payments Lending Broking Solutions Bank AMC Wealth Broking (JCL) (JIBL) (JPSL) (JPBL) HNI/ UHNI ✓ ✓ ✓ ✓ ✓ ✓ ✓ (>Rs. 100L) Affluent ✓ ✓ ✓ ✓ ✓ ✓ ✓ (Rs. 25L-100L) Mass Affluent ✓ ✓ ✓ ✓ ✓ ✓ ✓ (Rs. 7L-25L) Mass Market (Rs. 2.5L-7L) ✓ ✓ ✓ ✓ ✓
Slide 7: Key Business Highlights
Key Business Highlights • Received Third Party Application Provider license in April 2025 JioFinance App • 8.1mn Average Quarterly MAU# across all digital properties in Q1 FY26 Protect Invest • Announced 50:50 JV with Allianz Group for reinsurance • JioBlackRock entities for asset management, wealth
Slide 8: Building for Growth and Impact
Building for Growth and Impact LEVERAGING CHAMPIONING DELIVERING THE GROWING TECHNOLOGY CUSTOMER DELIGHT BEST FOR INDIA RESPONSIBLY & DATA ANALYTICS Simple, intuitive and World-class Smarter, simpler, Focus on seamless digital financial services, tailored financial governance and product journeys ma
Slide 9: Championing Customer Delight
CHAMPIONING CUSTOMER DELIGHT
Slide 10: JioFinance App: Bespoke Digital Journeys
JioFinance App: Bespoke Digital Journeys • Mutual Funds – New Launch • Home Loan • Digital Gold (lumpsum & • Loan against Property systematic investment plan) • Loan against Mutual Funds • My Money – Finance Dashboard • Loan against Shares INVEST BORROW TRANSACT PROTECT • Tax Filing & Planning – New
Slide 11: Delivering the Best for India: Our Businesses
DELIVERING THE BEST FOR INDIA Our Businesses
Slide 12: Protect
Protect Joint Ventures with Allianz Group • 50:50 JV with Allianz group for reinsurance in India • Combination of JFSL’s deep local expertise and robust digital footprint and Allianz's global underwriting and reinsurance expertise • Signed a non-binding agreement to establish JVs for general and lif
Slide 13: Invest
Invest Jio BlackRock Asset Management Private Limited • Received regulatory approval in May 2025, launched 1st NFO on June 30, 2025 • Strong response to maiden NFO: Raised Rs. 17,876 Cr from 90+ institutional and 67,000+ individual investors • Received approval for 1 Systematic Active Equity fund •
Slide 14: Lending
Lending Jio Credit Limited AUM (Rs. Cr) Key Highlights 11,665 • Physical presence in 11 major cities 10,053 • End-to-end digital journey for Loan against Securities • Contextual campaigns targeting group’s customer base 173 • “AAA” rating by CareEdge and CRISIL for new NCD facility FY24 FY25 Q1FY26
Slide 15: Payments (1/2)
Payments (1/2) Jio Payments Bank Limited CASA Customers (mn) Deposits* (Rs. Cr) Business Correspondent Network** 2.58 358 50,567 2.31 295 19,998 0.76 88 2,299 FY24 FY25 Q1 FY26 FY24 FY25 Q1 FY26 FY24 FY25 Q1 FY26 Revenue Pillars Key Highlights CASA variants Aadhaar enabled Payment • Acquired SBI’s r
Slide 16: Payments (2/2)
Payments (2/2) Jio Payment Solutions Limited Transaction Processing Volume Key Highlights (Rs. Cr) • Received Online Payment Aggregator license from 21,404 RBI and Bharat BillPay certification • Launched a developer portal offering API and tools 12,660 to SMBs to integrate and scale payment solution
Slide 17: Leveraging Technology and Data Analytics
LEVERAGING TECHNOLOGY AND DATA ANALYTICS
Slide 18: Future-ready technology stack
Future-ready technology stack Fit-for-Purpose Open-source technology driving agility Straight SaaS-first, through open standards & processing interoperability • App intelligence architecture for hyper-personalized, real-time product nudges in advanced stages of implementation Reliability Experience
Slide 19: Data intelligence powering precision
Data intelligence powering precision Right Product to the Right Customer via the Right Channel at the Right time Infrastructure Intelligence Strategic Data Layer Layer Layer Outcomes • Credit Bureau • Advanced Analytics • Predictive analytics • Precise targeting • Account Aggregator Platform • Speci
Slide 20: Growing Responsibly
GROWING RESPONSIBLY wecees
Slide 21: Risk Management & Compliance
Risk Management & Compliance Upholding commitment to Reputation, Regulation, Return on Capital and Return of Capital Reputation Above All Regulatory Adherence Set the highest ethical Operate within the regulatory standards across organization framework with best-in-class and towards all stakeholders
Slide 22: People: Nurturing a world-class team
People: Nurturing a world-class team Creating a future-ready workforce with a diverse talent pool • Strategic diverse mix of young & experienced talent Strategic Priorities Team’s DNA from Banks, NBFCs and fintechs • Strong brand, preferred employer attracting top talent Execution • Moving towards a
Slide 23: ESG & CSR
ESG & CSR Four Strategic Objectives of Sustainability Financial Inclusion Social Responsibility • ~7.5x YoY increase in JPSL customers • CSR spends of Rs. 17.7Cr • 2.2mn+ active JPBL users • 100% employees trained in POSH • 55 financial awareness and digital • 25% Female employee workforce literacy
Slide 24: Board of Directors
Board of Directors Mr. Kundapur Vaman Kamath Ms. Isha Ambani Mr. Rajiv Mehrishi Mr. Sunil Mehta Independent Director & Non- Non-Executive Director Independent Director Independent Director Executive Chairman Mr. Bimal Manu Tanna Ms. Rama Vedashree Mr. Anshuman Thakur Mr. Hitesh Kumar Sethia Independ
Slide 25: Financial Highlights
FINANCIAL HIGHLIGHTS veces
Slide 26: FY25 Financial Highlights (Consolidated)
FY25 Financial Highlights (Consolidated) Rs. 2,079 Cr Rs. 349 Cr Total Income Income from Business Operations Rs. 1,594 Cr Rs. 1,613 Cr Pre-Provisioning Operating Profit Profit After Tax Rs. 1,23,497 Cr Rs. 1,346 Cr Net Worth Additional equity invested in Group entities 25
Slide 27: Thank You
THANK YOU
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