Computer Age Management Services Ltd · NSE:CAMS
Computer Age Management Services — Investor Day (September 2023)
117 slides from Computer Age Management Services's investor day presentation, Sep 8, 2023
Slide 1: Investor Presentation - Analyst Day filing letter
08th September 2023 BSE Limited, National Stock Exchange of India Limited Phiroze Jeejeebhoy Towers, Exchange Plaza, 5th floor, Plot No. C/1, Dalal Street G Block, Bandra Kurla Complex, Bandra Mumbai 400 001 (East), Mumbai 400 051 Scrip Code: 543232 Trading Symbol : CAMS Dear Sir / Madam, Sub: Inves
Slide 2: CAMS Overview
CAMS OVERVIEW © 2023 Computer Age Management Services Limited
Slide 3: CAMS Company Overview
CAMS COMPANY OVERVIEW ❑ Founded in 1988 and institutionally owned until Directors September 2020 ❑ Company listed w.e.f 1st October, 2020, subsequent to Mr. Dinesh Kumar Mr. Natarajan an initial public offering through OFS by the existing Mrs. Mehrotra Srinivasan shareholders Vijayalakshmi Chairman
Slide 4: A Regulated and Accredited Intermediary
A REGULATED AND ACCREDITED INTERMEDIARY ❑ Regulated by SEBI since ❑ Exclusive service partner ❑ Secure ISO 27001:2005 1993 to AMFI since 2002 for for Information ❑ Q-RTA since 2018 Intermediary Security in 2007 and ❑ CAMSRep, an IRDA ❑ CAMSPay PCI-DSS compliant ❑ KRA license governance services subs
Slide 5: Business Overview
BUSINESS OVERVIEW
Slide 6: Preferred Strategic Partner to Institutions in Capital Market & FS Sector
PREFERRED STRATEGIC PARTNER TO INSTITUTIONS IN THE EXPONENTIALLY GROWING CAPITAL MARKET & FS SECTOR SPACE THROUGH OUR VARIOUS LINES OF BUSINESSES MF RTA Technology Alternatives Payments Solutions Services Insurance KYC Services Account Advanced Repository Aggregator Analytics NPS CRA Digital Transfo
Slide 7: 40 M Customers
350 FINANCIAL INSTITUTIONS 40 M CUSTOMERS A TRUSTED BRAND BY FINANCIAL 6M myCAMS LARGEST MF APP INSTITUTIONS, USERS FINTECHS AND CUSTOMERS 5M INSURANCE POLICIES 700 VISITS / MIN CAMS Digital Properties * Similarweb intelligence
Slide 8: Nurturing Innovation Through Industry First Solutions
NURTURING INNOVATION THROUGH OUR INDUSTRY FIRST SOLUTIONS AI/ML Based services like Analytics & bank mandate credit scoring change based on SMS data Bima Central myCAMS Digital Lien WealthServ INNOVATION Instant KYC Deep tracing for Insurers AA based Identity & UPI Account AutoPay Verification MFDEx
Slide 9: India's Largest Platform & Service Partner to the Mutual Fund Industry
INDIA’S LARGEST PLATFORM & SERVICE PARTNER TO THE MUTUAL FUND INDUSTRY ❑ Catalyst to the growth of the Indian Mutual Fund industry ❑ Mature proprietary technology platform, digital applications ❑ Most comprehensive range of services ❑ Preferred partner for the industry’s leading asset managers ~69%
Slide 10: Marquee Clientele, Preferred Partner for New Age Digital Mutual Funds
MARQUEE CLIENTELE, PREFERRED PARTNER FOR NEW AGE, DIGITAL MUTUAL FUNDS CAMS has won 4 of the last 6 New-To-Market MF RTA mandates
Slide 11: Full-Stack Service Provider for the Alternatives Industry
FULL-STACK SERVICE PROVIDER FOR THE ALTERNATIVES INDUSTRY ❑ Versatile technology & contemporary digital utilities ❑ Full stack services for investor on-boarding, fund accounting and administration services ❑ Pioneering digitization initiatives leveraging CAMS technology stack and Fintuple Expertise
Slide 12: Market Leader in Mutual Funds Payments Processing
MARKET LEADER IN MUTUAL FUNDS PAYMENTS PROCESSING ❑ Scalable, full-stack BFSI-focused payments platform. A panoptic platform for payments ❑ CAMSPay received in-principle authorization from RBI to operate as a Payment Aggregator 20 Mn 150,000 + Recurring Mandate UPI AutoPay Mandate Registrations Regi
Slide 13: Instant KYC, Immediate Investment
INSTANT KYC, IMMEDIATE INVESTMENT ❑ ’10-Minute KYC’ – Industry First AI embedded KYC solution to Onboard Customers Instantly ❑ Fully compliant KYC solution to service entities governed by SEBI, RBI, PFRDA IRDAI with AI assisted Face match, OCR and Liveliness, with built-in OVD verification services
Slide 14: Singular Platform to Service Insurance Companies & Policy Holders
THE SINGULAR PLATFORM IN INDIA TO SERVICE BOTH INSURANCE COMPANIES & POLICY HOLDERS ❑ Empowers over 50 insurance companies with end-to-end operational support and technology-driven solutions ❑ Proprietary servicing portal Policy Genie facilitates customer lifecycle management including policy genera
Slide 15: Full-Stack Data Science & AI-Focused Firm
FULL-STACK DATA SCIENCE & AI-FOCUSED FIRM ❑ Trusted Digital Partner to marquee Indian BFSI enterprises ❑ Pioneers in Alternative Data and AI Credit Scoring solutions ❑ Transforming digital customer onboarding & KYC with smart AI journeys ❑ Helping FIs to rapidly scale their API and Partnership infra
Slide 16: Winning Strides in the Account Aggregator Arena
WINNING STRIDES IN THE PATH BREAKING ACCOUNT AGGREGATOR ARENA ❑ Among the first RBI-licensed account aggregator platform ❑ Poised to shape the inevitable future of digital lending, onboarding and advisory ❑ Integrated offering with TSP solutions from Think360.ai & Sterling Software 15K 52 100+ most
Slide 17: CAMS Industry-First NPS CRA Platform on Cloud
CAMS INDUSTRY-FIRST NPS CRA PLATFORM ON CLOUD ❑ Designed to provide superior subscriber experience ❑ Only CRA to offer multiple KYC options ❑ Simplified user journey SECOND Only CRA to offer multiple KYC Position in the eNPS segment options CKYC and Aadhaar eKYC for easy onboarding * All Numbers as
Slide 18: Leading Through Industry / Academia Collaboration
LEADING THROUGH INDUSTRY / ACADEMIA COLLABORATION “CAMS – IIT (M) FINTECH INNOVATION LAB (CIFIL)”
Slide 19: Awards
AWARDS NASSCOM award for Cloud adoption FE CFO Award 2023 Business World HR Excellence Awards 2023 CAMSfinserv Wins Banking Frontier’s Technoviti Award 2023 CAMS was selected in the Small Enterprises category and CFO Mr. Ramcharan Sesharaman was honoured with the prestigious “FE CFO Award 2023” by M
Slide 20: Awards
AWARDS Think360 has been recognized by ET Datacon Awards 2023 Fintech Global in the 3rd Edition CAMS wins ‘Smart Data Applications Software‘ of the AI Fintech100 list award for Predictive analytics in google cloud
Slide 21: Management Commentary
MANAGEMENT COMMENTARY
Slide 22: Stable Revenue Growth, Margin Expansion and Productivity Over 5 Years
CAMS HAS DEMONSTRATED STABLE REVENUE GROWTH, SUSTAINABLE MARGIN EXPANSION AND CONSISTENT PRODUCTIVITY IMPROVEMENTS OVER THE LAST 5 YEARS Revenue Growth (INR Mn) 9,718 ▪ AAuM of CAMS Serviced funds has grown at a CAGR of 15% 10,000 CAGR: 9% 8,000 6,415 from ₹13.5 Tn to ₹27.3 Tn in the last 5 years ▪
Slide 23: CAMS Will Continue to Drive Key Levers of Value Creation
CAMS WILL CONTINUE TO DRIVE THE KEY LEVERS OF VALUE CREATION … Sustain Leadership Position in our Accelerate the Momentum on Growth business Maintain Gold Standards in all that we deliver Be Future Ready through Platform Re-architecture Highest degree of compliance to cybersecurity Double-down on Di
Slide 24: Strong Leadership Team
Strong leadership team bringing in a blend of deep industry expertise, new age technology edge, vast operational delivery and strategy support experience Syed Hassan Ravi Kethana Ram Charan Sesharaman Vinodh Chelambathodi Chief Operating Officer Chief Platform Officer Chief Financial Officer Chief H
Slide 25: Thank You
THANK YOU
Slide 26: Propelling Mutual Funds Industry Growth
PROPELLING MUTUAL FUNDS INDUSTRY GROWTH
Slide 27: MF Industry Has Seen Rapid Growth
MF INDUSTRY HAS SEEN RAPID GROWTH – MOMENTUM EXPECTED TO CONTINUE MF Industry AuM in Rs. Tn MF Industry growth in India consistently high at ~15% YOY CAMS 58% 61% 69% 69% Market Share % 80000 B 600 B 40.0 70000 B 500 B GLOBAL INDIA 60000 B 400 B 24.7 50000 B 300 B 12.1 7.5 40000 B 200 B (in USD) 300
Slide 28: Our Platform Powers Large & Fast-Growing AMCs
OUR PLATFORM POWERS 17 LARGE & FAST-GROWING AMCs CAMS services ~₹31.7 Trillion AuM* of the ₹46.2 Trillion Indian MF industry ~69% market share 4 out of Top 5 AMCs & 9 of the Top 15 AMCs * AuM as of July’23
Slide 29: CAMS Technology Central to Rapid Retail Growth of MF Industry
CAMS TECHNOLOGY HAS BEEN CENTRAL TO THE RAPID RETAIL GROWTH OF THE MF INDUSTRY Folio Growth Transactions Growth Transaction Value ❑ Technology – Key Processed 8.2 Cr 46 Cr enabler for consistent & 2023* reliable services ❑ Digital Drive - Paper Transactions on decline 10 Cr Rs.151 Tn from 45% to 15%
Slide 30: CAMS Won Mandates from Reputed Financial Brands
CAMS WON MANDATES FROM REPUTED FINANCIAL BRANDS AND SUPPORTED THEIR RAPID GROWTH COMPETITION Last 5 launches Last 5 launches CAMS served new clients have witnessed greater than 4x AuM ▪ 360 One MF (formerly known as IIFL MF) ▪ ITI MF growth compared ▪ Shriram MF ▪ Trust MF ▪ PPFAS MF ▪ NJ India to c
Slide 31: New AMC Entrants Have Chosen CAMS
NEW AMC ENTRANTS HAVE CHOSEN CAMS FOR TECHNOLOGY, LEADERSHIP & DOMAIN EXPERTISE Sustaining Leadership & Winning New Clients 4 out of the last 6 AMC mandates won by CAMS Migrated to CAMS in March 2023
Slide 32: Our Value Differentiators
OUR VALUE DIFFERENTIATORS
Slide 33: CAMS Has Transformed the MF Landscape
CAMS HAS TRANSFORMED THE MF LANDSCAPE End-to-end automation and technology has enabled consistent & reliable services Scale / Customer Ecosystem Growth Experience Integration through APIs Domain BCP Compliance Expertise TRANSACTIONS APIs EMAILS / YEAR SMS/YEAR APPLICATIONS 480 Mn 2 Bn 960+ Mn 740+ M
Slide 34: Proprietary Technology Platform & Integrated Applications
WE ARE POWERED BY A PROPRIETARY TECHNOLOGY PLATFORM & VAST SUITE OF INTEGRATED APPLICATIONS AND SOLUTIONS www.camsonline.com Distributor order Online value added services Transaction and capture CRM platform Reconciliation Payments & Digital eKYC for Mobile App & portal Platform for investors & inte
Slide 35: First to Industry Digital Initiatives
OUR “FIRST TO INDUSTRY” DIGITAL INITIATIVES HAVE POWERED AMCs TO RIDE THE RECENT DIGITAL WAVE 18:27 myCAMS – largest MF focused platform myCAMS GoCorp Largest MF platform for Institutional Investors Platform for distributors edge360 Chatbot with extension CAMServ to WhatsApp and Facebook digiSIP One
Slide 36: Automation Deeply Embedded in the Value Chain
AUTOMATION DEEPLY EMBEDDED IN THE VALUE CHAIN We moved from People & Service led platform to Automation led transformation for touch-free processes New KYCs in Purchase, Auto Posting & Auto Payouts Brokerage 10 mins Redemption, Reconciliation of No touch Auto import structures, Systematic, NFT trans
Slide 37: A Day in Life at CAMS
A DAY IN LIFE AT CAMS 15,000 85,000 ₹45,000 Cr 92,000 New Investors New Folios Transaction SIP Value Registrations
Slide 38: Single Source of Business Intelligence and Analytics
CAMS IS THE SINGLE SOURCE OF BUSINESS INTELLIGENCE AND ANALYTICS FOR THE ENTIRE INDUSTRY MFDEx Custom BI 1 4 ❑ Actionable insights for AMC ❑ MFDEx* Plus is the most ❑ Used for annual business planning comprehensive Data Bureau by AMCs service designed to present rich, accurate Mutual Fund data Predi
Slide 39: We Are Ready
WE ARE READY To serve the next Rs.30 trillion assets and 100 million customers in Mutual Funds
Slide 40: Thank You
THANK YOU
Slide 41: Complete API Suite to Power Investor Services
COMPLETE API suite AVAILABLE TO POWER INVESTOR SERVICES FATCA Status Change Tax Status update Bank details update Change of Contact Update Form 15G/H details Folio Change in Dividend Option Consolidation Transmission Change of nominee * Extended Internal Rate of Return
Slide 42: Transaction Processing
TRANSACTION PROCESSING SOURCES Bank Website Statement Download Transaction upload without mandates Transaction Transaction Credit (NAV) Units upload with Processing Matching Allocation mandates Mandate registration Transaction feed confirmation Failure feed Mandates to Confirmation NCPI / Banks mess
Slide 43: CAMS for Alternatives
CAMS CAMS FOR ALTERNATIVES
Slide 44: Alternatives Industry Has Grown Exponentially at ~30% CAGR
ALTERNATIVES INDUSTRY HAS GROWN EXPONENTIALLY IN THE LAST 3 YEARS @ ~30% CAGR AIF Commitments & Contributions (₹ Lakh Cr) AIF Registrations 10,000 1200 1097 8.4 8,000 1000 861 206 6.4 704 800 618 169 6,000 4.7 510 4.5 600 140 3.7 3.3 381 125 632 4,000 2.8 400 100 488 2.2 63 330 387 1.7 1.8 268 2,000
Slide 45: Expected to Continue Growth Trajectory for Next 5 Years
AND IS EXPECTED TO CONTINUE THIS GROWTH TRAJECTORY FOR THE NEXT 5 YEARS Superior returns profile + Structuring Enabling regulatory framework The Industry is options pegged to grow Drivers anywhere of Growth between 27-29% CAGR till FY 2027 Declining Liquidity - Higher (CRISIL Research) attractivenes
Slide 46: Funds More Inclined to Outsource Fund Administration
FUNDS ARE MORE INCLINED NOW TO OUTSOURCE FUND ADMINISTRATION ACTIVITIES Gradual shift in market outlook favorable to outsourcing Funds have become more broad-based with increased retail participation LAST Funds preferred to 3 YEARS Increasing manage operations regulations & EARLY inhouse, given low
Slide 47: Funds More Inclined to Outsource Fund Administration
FUNDS ARE MORE INCLINED NOW TO OUTSOURCE FUND ADMINISTRATION ACTIVITIES Direct / Regular Demat of Schemes Enhanced AIF Units Need to regulatory scale NRI scrutiny Research Reporting Complaint Periodic Monitoring Reporting Regulatory Oversight KYC / New Drive PMLA Compliance AIF Regulation digitisati
Slide 48: Scale
SCALE Mature platform & expertise honed over 15+ years for fund administration 2008 1 Client 1 Scheme 1 Location 4 Employees 2023 ₹1,80,000+ Cr AuS 100,000+ Folios Largest service partner to the Domestic Alternative Investment 160+ Clients segment: greater than 50% share of the outsourced market 400
Slide 49: Stack
STACK 1st to industry initiatives – Pioneering New to Market Initiatives for the segment 1st RTA as a Scope for the 1st RTA at GIFT City Alternatives Industry Full range of services covering Fund administration services to TA, Fund Accounting, 12 Clients through its branch Compliance, Digital Soluti
Slide 50: Platform Infrastructure to Support Growth at Scale
PLATFORM INFRASTRUCTURE TO SUPPORT GROWTH AT SCALE Core Platform for Liability Investor & Distributor Portals, Operations Mailback services Multi-Currency, Multi First of its Kind analytics Geography Accounting for platform for Alternatives offshore funds, GIFT City funds Industry AIF/PMS Accounting
Slide 51: Fintuple Digital Transformation Partner for Banks and Capital Markets
FINTUPLE IS NOW A DIGITAL TRANSFORMATION PARTNER FOR BANKS AND CAPITAL MARKETS ECOSYSTEM Build & reuse growing IP in Capital Markets to consult, customise, transform and redeploy ❑ Growing base IP a.k.a. reusable “digital Lego bricks” in multiple focus areas Digitize ❑ Package as solution pivots and
Slide 52: Specialization
SPECIALIZATION 260 Domain specialists 360° Services Investment by clients in 0 technology and talent for fund admin operations
Slide 53: Full-Stack Fund Administration
FULL-STACK FUND ADMINISTRATION Pre-Launch Advisory Empanelment Outbound Tech support Support Services Calling Solutions Investor Unitization Record Business Fund Distributions / KYC Service Onboarding Keeping MIS Reconciliation Redemptions Statements & Investor MIS / Online / Digital Help Desk Payou
Slide 54: Ready for Accelerated Growth Over Next 5 Years
WE ARE READY FOR ACCELERATED GROWTH OVER THE NEXT 5 YEARS ENHANCED Early success with CAMS being the preferred CAPABILITY STACK partner for new to market funds and FOCUSED SALES subsequent launches for existing funds EFFORTS GIFT & MUMBAI 50 Mandates in FY’24 and counting… CENTERS EXPANSION WealthSe
Slide 55: Thank You
THANK YOU
Slide 56: Riding the Wave of the Booming Payment Industry
RIDING THE WAVE OF THE BOOMING PAYMENT INDUSTRY
Slide 57: India Steals the Spotlight
INDIA STEALS THE SPOTLIGHT With India accounting for an impressive 46% of global real-time payments in 2022, its fascinating to witness how the market is not only growing but also dominating the global landscape. The advent of various innovative solutions has further facilitated India’s ascent to th
Slide 58: The Payments Revolution: Changing the Way We Pay
THE PAYMENTS REVOLUTION: CHANGING THE WAY WE PAY 2008 2013 2017 Launch of NPCI Introduction to Rise of Digital BBPS Wallets 2005 2012 2016 2022 Launch of NEFT Launch of Rupay Launch of UPI Launch of Digital Currency Source: https://www.cashbook.com/changes-in-payment-trends-over-the-last-10-years/ 2
Slide 59: The Indian Financial Realm
THE INDIAN FINANCIAL REALM 44% THE LAST 3 YEARS’ volume CAGR The total payment 10.58 Bn JULY’23 9.96 Bn AUG’23 Transaction Count Transaction Count industry has seen a 15.34 Tn 15.76 Tn Transaction Value (INR) significant growth of Transaction Value (INR) 3X in volume and 1.5X JUNE’23 YoY- Growth 9.3
Slide 60: Evolving Trends: BFSI Landscape
EVOLVING TRENDS: BFSI LANDSCAPE Amongst all industries, BFSI sector is growing exponentially ~INR 150 BILLION* Current Market Size 3x ~40% Expected CAGR over the next 5 years ~INR 400 BILLION* Expected Market Size by FY’28 4 Source: RBI | PwC Estimates *Overall Market Value
Slide 61: A Comprehensive Suite of Payment Platform
A COMPREHENSIVE SUITE OF PAYMENT PLATFORM CAMSPay is a Strategic Business Unit within CAMS that offers a panoramic range of payment solutions through its comprehensive platform. Using advanced technology and a range of features, CAMSPay offers secure and seamless payment services customized for the
Slide 62: Our Product Portfolio
RECURRING PAYMENTS We provide the industry best recurring payments solutions and transaction life cycle management with highest success rate. Our API based solutions with real-time response levels-up your business. DIGITAL PAYMENTS A reliable and secure payments platform that helps businesses improv
Slide 63: One-Stop Shop for Payments
_ | CAMS?ay’ -STOP SHOP FOR PAYMENTS RECURRING PAYMENTS DIGITAL PAYMENTS UPI AUTOPAY NACH (B CREDIT/ NETBANKING (> > Ss CARD ‘Gi x0] A Ole = G=— ual = <>) = - = REGISTRATION ll BY LINK eN £3 PAY-BY-LINK nla) ‘SERVICES (8 \ UT
Slide 64: Why Clients Choose Us?
WHY CLIENTS CHOOSE US? Native Interfaces to MF, Security Compliance Insurance & NBFC Customisable UI/UX State-of-the-art encryption Ensuring compliance with RBI & PCI Our payment solution are designed Easily customizable interface as per standards and multi-tiered DSS standards along with ISO to sol
Slide 65: Our Success History
OUR SUCCESS HISTORY Received in-principle authorisation from Reserve Bank of India (RBI) to be a payment aggregator. 20 Mn 710 Mn 1 Tn 60 Mn Recurring Mandate Transactions Worth of Bank Accounts Registrations (Active) Processed Transactions Validated CORPORATE ADAM SMITH FINNOVITI TECHNOLOGY 2019 20
Slide 66: Our Major Clients
OUR MA JOR CLIENTS Among the top 10 AMCs, CAMSPay is processing majority of the payments for 8 of them. Associated with the Largest Life Insurance Company 11
Slide 67: Market Transformation - Next 5 Years
MARKET TRANSFORMATION - NEXT 5 YEARS LARGE BREAK-OUT EVENTS MODEL LEVEL THREATS COMPETITIVE LANDSCAPE Streamlining of PA Consolidation of Evolution of Eco- Highly intense license by RBI Players System Based competition with Payments scaled players Financial Inclusion Impact of ZERO commission Digiti
Slide 68: Our Operational Focus
OUR OPERATIONAL FOCUS TALENT TECHNOLOGY NEW PARTNERSHIPS WITH TOP BANKS & OTHERS 14 9
Slide 69: Thank You
TH A NK YO U ! !
Slide 70: Transforming the Insurance Experience
TRANSFORMING THE INSURANCE EXPERIENCE
Slide 71: Disclaimer
DISCLAIMER This presentation contains certain forward looking statements concerning CAMS Rep’s future business prospects and business profitability, which are subject to several risks and uncertainties and the actual results could materially differ from those in such forward-looking statements. The
Slide 72: Contents
CONTENTS CAMESEEE 1. Insurance - The New CAMS Frontier 2. CAMS Rep Business Offerings 3. IRDAI's Vision of Reform & Growth 4. Reimagining IR scope 5. Policyholder Servicing Platform 6. Bima Central 7. Appendix
Slide 73: Insurance Is a Dynamic Industry with Rapid Growth
INSURANCE IS A DYNAMIC INDUSTRY WITH RAPID GROWTH Total Premium 6.9 2.2 Total Premium (FY22) Lakh Cr Lakh Cr (FY22) General Insurance Life Insurance Installed retail Installed retail policy base 30 Cr 20 Cr policy base Annual Annual Growth 11% 14% Growth Private Player Private Player Premium Share 3
Slide 74: CAMS Rep Business Offerings
CAMS REP BUSINESS OFFERINGS Insurance Repository Insurer Services Offering eIA services to policyholders, enabling We offer plug-n-play customer interaction them to maintain their insurance portfolio in channels and processing capability to insurers. digital (demat) form. 45 We work with 45 insurers
Slide 75: IRDAI's Vision of Reform & Growth
IRDAI’S VISION OF REFORM & GROWTH Focus on Digital tech is Making right products good momentum for IR available to right customers Private Life Insurers see improved ▪ Creating robust grievance redressal acceptance on demat policies – new mechanism issuance share up to 55%(FY23) from ▪ Facilitating
Slide 76: Reimagining IR Scope
REIMAGINING IR SCOPE Expanding the policy holder servicing opportunity Industry Base Opportunity Base Transaction Base 50 Cr 16 Cr 5 Cr 7 Cr 3 Cr User base Annual One Time Total customer 16 Cr policy base is 5 Cr is one-time Basic Service Premium Service base across annual base, which policy base fo
Slide 77: First Ever Policyholder Servicing Platform
ESTABLISHING THE FIRST EVER POLICYHOLDER SERVICING PLATFORM OFFERING WINNING SOLUTIONS TO BOTH INSURER AND POLICYHOLDER Advantage to Policyholder Advantage to Insurer • One platform to manage your insurance • Syndication advantage: Insurer benefits from portfolio any and all profile updates by polic
Slide 78: To New Frontiers
TO NEW FRONTIERS
Slide 79: The First Ever Insurance Benefit Realization Platform
The first ever insurance benefit realization platform. • Aligned interest with policyholder • No sales • Customer consent based • Neutral access to all insurers Journey so far… Road Map
Slide 80: Why Us?
WHY US? We are uniquely positioned CAMS Regulatory Legacy Tailwinds ▪ Industry Scale Platforms ▪ Push towards Digital ▪ Tech capability ▪ EoM ▪ Focus on Customer Service ▪ Composite License ▪ Equal Treatment of all Stakeholders
Slide 81: Thank You
THANK YOU
Slide 82: CAMSfinserv: Powering Financial Inclusion for a Billion Indians
CAMS 2 CAMSfinserv im Powering Financial Inclusion . ag for a Billion Indians igo Le)
Slide 83: Markets
AMSfinseev MARKETS
Slide 84: 1.5 Billion Use Cases for Financial Data Aggregation or Analysis
1.5 BILLION USE CASES FOR FINANCIAL DATA AGGREGATION OR ANALYSIS A YEAR MARKET PENETRATION STILL IN SINGLE DIGITS Use Case (# in Mn) FY23 FY24 FY25 FY26 AGR Credit Underwriting 247 268 291 315 8.50% Credit Monitoring 260 286 315 346 10% KYC 700 777 862 957 11% Life Insurance U/W 3 3 4 4 3% Insurance
Slide 85: The Magic of Account Aggregator
THE MAGIC OF ACCOUNT AGGREGATOR
Slide 86: The Future of Data Sharing
THE FUTURE OF DATA SHARING Consent-based data Access authentic data sharing – customers from reliable data sources share their data for – consolidated view of their own needs financial data scattered across Obtain quality data RBI regulated with and information in data governance and near real time
Slide 87: Account Aggregator and India Stack
ACCOUNT AGGREGATOR AND INDIA STACK – SOLVING FOR FINANCIAL INCLUSION
Slide 88: Customer Controls the Data, Always
CUSTOMER CONTROLS THE DATA, ALWAYS Simple. Secure. Superior. Financial data is Customer can AA cannot share AA does not encrypted by AA. give or revoke customer’s data store or process AA cannot read data access without consent customer’s data the data anytime
Slide 89: What Data Can We Get Access to Using AA?
WHAT DATA CAN WE GET ACCESS TO USING AA? Type of Banks and Deposit RTAs and Revenue Financial NBFC Depositories Institution ▪ SIP ▪ IDR ▪ GST ▪ Recurring and Fixed Deposits ▪ Equities ▪ AIF Type of ▪ MF ▪ CIS Financial Data ▪ Savings and Current Accounts ▪ ETF ▪ INVIT ▪ REIT ▪ Personal Networth ▪ Ac
Slide 90: Proposed Data in Pipeline
PROPOSED DATA IN PIPELINE Type of Debt Market Investments Pension Others Financial Institution ▪ Commercial ▪ Bonds ▪ NPS ▪ CBDT Type of Papers ▪ Debentures ▪ EPF ▪ OND Financial Data ▪ Certificate of ▪ ULIP ▪ PPF ▪ Insurance Deposits ▪ G-Sec ▪ Wealth planning ▪ Wealth planning ▪ Retiral planning ▪
Slide 91: The Story So Far
CAMS finseev THE STORY SO FAR...
Slide 92: 2023 - Year of Continuous Excellence in Capital Market Space
2023 – YEAR OF CONTINUOUS EXCELLENCE IN CAPITAL MARKET SPACE Wealth Management (19) Stock Broking (24) Asset Management Companies (17) FIP+FIU FIP
Slide 93: Transformation from Capital Market Player to Complete Financial Market Player
LEADING TRANSFORMATION OF CAMS FROM A CAPITAL MARKET CENTRIC PLAYER TO A COMPLETE FINANCIAL MARKET PLAYER! NBFC – 33 HFC - 8 /Bank - 2 / Coop Bank - 1 / Others - 2 Insurance – Life Insurance - 4 / General Insurance - 8 / Insurance Broker - 1
Slide 94: AA+TSP Business Gaining Momentum
AA+TSP BUSINESS IS GAINING MOMENTUM WITH EXPANDED OUTREACH AND SUPERIOR PRODUCT POSITIONING ▪ 490% growth over ▪ GST Live June’23 ▪ Highest per day ▪ 20-22% MOM ▪ 57% MoM growth over market share – Industry last 8 months 17% volume Business ▪ 332% growth – Q1’F24 / Business growth Wins Q4FY23 Update
Slide 95: Our Winning Formula
CAMS finseev Our Winning Formula
Slide 96: Security Is in Our DNA - Highest BitSight Score
SECURITY IS IN OUR DNA – HIGHEST BITSIGHT SCORE AMONGST ALL ACCOUNT AGGREGATORS 800 CYBER RISK FRAMEWORK Security BitSight A DVA N C E D BitSight ratings measure a company’s security effectiveness
Slide 97: Full Stack Analyser Helping FIUs
A FULL STACK ANALYSER HELPING FIUs WITH LENDING, ADVISORY AND MONITORING Data Ingestion Processing Output Bank statement data from AA Data Standardization Personal Finance Manager B2B2C GST data from AA Transaction Categorization Bank Statement Analyzer Mutual Fund data from AA Insurance data from A
Slide 98: Bank Statement Report
BANK STATEMENT REPORT Understand customer’s financial behaviour for their consolidated CASA accounts • Cashflow analysis • FOIR & Dr/Cr ratio • Transaction classification • Balance trends • Transaction network • Risk Triggers • Match against obligations from bureau
Slide 99: Credit Assessment Memo Based on Bank and GST Data
CREDIT ASSESSMENT MEMO – BASED ON BANK AND GST DATA Understand customer’s financial behavior for their consolidated CASA accounts CAM Report: ▪ Understand customer’s financial behavior for their consolidated CASA accounts ▪ CAM Report: • Cashflow analysis • GST Analysis • Understanding of Obligation
Slide 100: PFM Use Cases
PFM USE CASES Wealth planning Self Assessment • Spending Trends • Debit to Credit Ratio • Reconciliation btw bank • Investment fees • Front End Ratio statement & Capital Asset Allocation • • Mortgage Ratio markets • Emergency Fund Ratio • FOIR Calendar Rolling • TaxMan • Return on Investment • Risk
Slide 101: Pre-Built Flows LAMF - Preapproved Loan
PRE-BUILT FLOWS LAMF – PREAPPROVED LOAN
Slide 102: Path to Our Dream
CAMS finseev PATH TO OUR DREAM
Slide 103: The Dream - FY28
THE DREAM - FY28 1 Mn a day Pulls and analysis
Slide 104: Thank You
THANK YOU
Slide 105: Think360 - AI Stack for Digital Financial Services
THINK360 – AI STACK FOR DIGITAL FINANCIAL SERVICES
Slide 106: Think360.AI Is an Award Winning Full-Stack AI Firm in Lending
Think360.AI IS AN AWARD WINNING FULL-STACK AI FIRM IN LENDING SPACE Only Indian Challenging industry Winner, 2022 Finalist 2022 Company in the list veterans like PwC / (Best Use of AI in Fintech) E&Y Finalist 2021 (Best Fintech Startup of the year) Finalist 2022 (Fintech Startup of the Year 1st Runn
Slide 107: We Work with Marquee Clients Across the Spectrum
WE WORK WITH MARQUEE CLIENTS ACROSS THE SPECTRUM Banks NBFCs Fintechs … Trusted by 100+ clients
Slide 108: Expand Reach, Transform Onboarding & Drive Smarter Decisions
WE WORK WITH OUR CLIENTS TO EXPAND REACH TO NEWER MARKETS, TRANSFORM CUSTOMER ON-BOARDING & DRIVE SMARTER DECISIONS Origination Onboarding Experiences, Assessment and Underwriting Onboard customers through Make more data driven and smarter decisions multiple channels Data Intelligence ML and statist
Slide 109: Lending Is a Youth Segment Driven Rapidly Growing Market
LENDING IS A YOUTH SEGMENT DRIVEN RAPIDLY GROWING MARKET Source: “Credit Market Indicator Report” by TransUnion CIBIL (2023, July) Source: “Credit Market Indicator Report” by TransUnion CIBIL (2023, July) % Market Share of Unsecured Products FY 22-23 Share of young customers (<40 years) Business Loa
Slide 110: AI Led Behavioral, Financial and Risk Assessment with Algo360
AI LED BEHAVIORAL, FINANCIAL, AND RISK ASSESSMENT OF CUSTOMERS WITH ALGO360 01 Fully unstructured data 02 100 + ML models run for Harness the power of every application consented access to 1000+ features created and user’s device data for 03 high value use-cases assessed for each application 04 TAT
Slide 111: Near Real-Time Personalization with Aamaze
NEAR REAL-TIME PERSONALIZATION OF NUDGES AND ALERTS WITH AAMAZE Using multiple data pipes (such as Account Aggregator, device data) to create real time intervention at right time Cross-sell new products Up-sell new products Affluence Assessment Customer Life-time Value Credit Risk Assessment Payment
Slide 112: Super-App with 50+ Alliances Using FlowXpert
SUPER-APP WITH 50+ ALLIANCES IN 3 MONTHS USING FLOWXPERT Each button leads to either a partner journey or own journeys
Slide 113: Custom Trained Gen AI Models for Specific Use Cases
CUSTOM TRAINED GEN AI MODELS FOR SPECIFIC USE CASES Mine through hundreds of contextual reports in less than a minute Summarize, ask questions, respond to client queries - quickly Support advisors’ training; build capacity to serve a growing market Automate customer service requests at scale
Slide 114: CAMS + Think360 - Exciting Possibilities
CAMS + THINK360 – BRINGING EXCITING POSSIBILITIES OVER THE NEXT QUARTERS AI in Account Aggregator Ecosystem Centralized on-demand AI Think360 AI Service Data Differentiated, industry Capabilities Service Desk for Desk + Products leading data products the industry participants CAMS Power of video and
Slide 115: When You Think AI, Think360.AI
When you think AI, Think360.AI #AcceleratingIntelligentTransformation
Slide 116: Thank You
THANK YOU
Slide 117: Investor Presentation - Analyst Day filing letter
08th September 2023 BSE Limited, National Stock Exchange of India Limited Phiroze Jeejeebhoy Towers, Exchange Plaza, 5th floor, Plot No. C/1, Dalal Street G Block, Bandra Kurla Complex, Bandra Mumbai 400 001 (East), Mumbai 400 051 Scrip Code: 543232 Trading Symbol : CAMS Dear Sir / Madam, Sub: Inves
Computer Age Management Services — Investor Day (September 2023) on 6ix