Pb Fintech Limited · NSE:POLICYBZR
Pb Fintech — Q2 FY25 Earnings Presentation
93 slides from Pb Fintech's earnings presentation, November 2024
Slide 1: Earnings Call: Quarter ended Sep 2024
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Slide 2: What do we do?
What do we do? PB Fintech The umbrella entity comprising of India’s leading marketplaces that offer end-to-end insurance & credit solutions to consumers. Our platforms simplify complex choices, present personalized solutions & enable smart financial decisions. We leverage technology & data to drive
Slide 3: Key Highlights: Q2 FY25
a Key Highlights: Q2 FY25 policybazaare paisabazaarO Total Insurance Premium is at ₹5,450 Cr, a growth of 57% YoY Lending Disbursal is at ₹4,237 Cr Core Insurance New Premium grew 61% YoY Health & Life Insurance New Premium grew 69% YoY Revenue grew 44% YoY to ₹1,167 Cr PAT improved by ₹72 Cr from a
Slide 4: Overall business
a Overall business policybazaare paisabazaarO 57% premium growth led by New Health & Life insurance at 69%, Revenue growth at 44% Q2 FY24 Q2 FY25 YoY ₹ Crores Core Core Core New New New Total Online Total Online Total Online Initiatives Initiatives Initiatives Business Business Business Premium 3,47
Slide 5: Overall business
a Overall business policybazaare paisabazaarO PAT improved by ₹72Cr from a loss of ₹21 Cr to a profit of ₹51 Cr YoY Q2 Q2 ₹ Crores FY24 FY25 Adjusted EBITDA 13 56 (non-GAAP) ESOP Charges 102 64 EBITDA (89) (8) Depreciation 22 29 Finance Cost 7 9 Other Income 97 106 Tax 9 PAT (21) 51 5
Slide 6: Overall business: Rolling 12 months
a Overall business: Rolling 12 months policybazaare paisabazaarO Revenue more than doubles in 2 years, margins improve significantly 12 months ending Mar-22 Jun-22 Sep-22 Dec-22 Mar-23 Jun-23 Sep-23 Dec-23 Mar-24 Jun-24 Sep-24 (₹ Crores) Revenue 1,425 1,692 1,986 2,229 2,558 2,718 2,956 3,217 3,438
Slide 7: Overall business: Consistent Revenue Growth with improving margins
a Overall business: policybazaare paisabazaarO Consistent Revenue Growth with improving margins Margins Revenue 1,167 (₹ Cr) ......PAT margin New Initiatives ■ Core Non-Insurance 400 4% ■ Core Insurance 812 -3% 215 143 573 154 -33% I i164 101 280 624 16 44 443 309 220 -73% Q2 Q2 Q2 Q2 Q2 Q2 Q2 Q2 FY
Slide 8: Insurance Premium grew 4x in 3 years
a Insurance Premium grew 4x in 3 years policybazaare paisabazaarO Slowdown in unsecured credit continues Insurance Premium Disbursals (₹ Cr) (₹ Cr) 4,139 4,237 ■ New Initiatives ■ Core Online Business 5,450 2,922 4x 3,475 2,545 1,506 1,423 Q2 Q2 Q2 Q2 Q2 Q2 Q2 Q2 FY22 FY23 FY24 FY25 FY22 FY23 FY24 F
Slide 9: Core Online Business: Rolling 12 months
a Core Online Business: Rolling 12 months policybazaare paisabazaarO Steady revenue growth 12 months ending Mar-22 Jun-22 Sep-22 Dec-22 Mar-23 Jun-23 Sep-23 Dec-23 Mar-24 Jun-24 Sep-24 (₹ Crores) Revenue 1,200 1,337 1,484 1,591 1,710 1,855 2,043 2,211 2,375 2,524 2,694 Contribution 459 542 629 690 7
Slide 10: New Initiatives
a New Initiatives policybazaare paisabazaarO Market leaders with improving efficiency New Initiatives Margin % (₹ Cr) ■ Revenue 0% -9% ■ EBITDA 400 -24% -12% -26% -40% 215 -75% 164 Contribution Margin % 16 EBITDA % -21 -55 -47 -65 -128% Q2 Q2 Q2 Q2 Q2 Q2 Q2 Q2 FY22 FY23 FY24 FY25 FY22 FY23 FY24 FY25
Slide 11: New initiatives: Rolling 12 months
a New initiatives: Rolling 12 months policybazaare paisabazaarO Revenue triples in 2 years, margin improved significantly 12 months ending Mar-22 Jun-22 Sep-22 Dec-22 Mar-23 Jun-23 Sep-23 Dec-23 Mar-24 Jun-24 Sep-24 (₹ Crores) Revenue 225 355 503 638 848 863 914 1,007 1,062 1,259 1,444 Contribution
Slide 12: Renewal / Trail revenue
a__ Renewal / Trail revenue , Fin tech policybazaare paisabazaarO At an annualized run rate of ₹633 Cr, up 45% from ₹436 Cr 12 Months Rolling Renewal / Trail Revenue Insurance Credit ARR ARR ₹ 436Cr 45% ₹ 633 Cr for for Q2 FY24 Q2 FY25 556 390 131 195 260 - 80 12
Slide 13: Insurance Continues to Scale
a Insurance Continues to Scale policybazaare paisabazaarO Improving Efficiency & Customer Experience “Har Family Hogi Insured!” We aim to protect every family in India against the financial impact of Death, disease & disability by having Health and Life insurance. We continue expanding our regiona
Slide 14: Continue to focus on serving credit needs of varied segments
a Continue to focus on serving credit needs of varied segments policybazaare paisabazaarO Paisabazaar enables access to credit for India’s diverse consumer segments, through transparency, wide choice, independent (unbiased) & right advice We are currently at a loan disbursal ARR^ of ~₹ 17k Cr an
Slide 15: Two leading consumer destinations
a Two leading consumer destinations policybazaare paisabazaarO Policybazaar Paisabazaar 86.9 mn 47.7 mn Registered Consumers(1) Consumers accessed their Credit Scores(4) Consumers who Consumers who 18.3 mn have purchased at c. 21 % least one insurance 5.8 mn have made at least one transaction on Tra
Slide 16: Policybazaar
pol icy bazaar 8
Slide 17: Benefits to Consumers and Insurers
a Benefits to Consumers and Insurers policybazaare paisabazaarO Benefits to the Consumer Benefits to the Insurer Consumer-Centric One-Stop Insurance Tech-Based Product & Price High-Quality Design for Easy & Shop with Tailored process Simulation Support Consumer Convenient journeys Solutions innovati
Slide 18: India's largest marketplace for insurance
pol icy bazaar cO~ ® INDIA'S LARGEST MARKETPLACE FOR INSURANCE 93% Market share (online aggregators)^ 18.3mn Transacting Consumers ················-··········~••f. . till date ₹ 5,450 Cr 46.8mn Insurance premium Insurance Policies sold (Q2 FY25) (till date) =······························-··---·····
Slide 19: India continues to have one of the widest protection gaps: Health
a India continues to have one of the widest protection gaps Fin tech ·- - 66% of Health expenditure is Out-of-Pocket: Health insurance is needed Health Expenditure by Source of Financing Out-of-Pocket Country as % Healthcare Expense India II 66% Australia 15% Canada 15% China 36% France 9% Germany 1
Slide 20: India continues to have one of the widest protection gaps: Life
a__ India continues to have one of the widest protection gaps , Fin tech Only 3% Life Coverage: Term Insurance is needed Mortality protection gap (Protection required minus Life Coverage) Country Protection Gap India 97% II US 82% Canada 47% Germany 72% France 49% Japan 59% co :a Cl) :=> co ~ Q) u s
Slide 21: The future is in Tier 2 & 3 cities
a India is vast and growing policy bazaar. paisabazaarO The future is in Tier 2 & 3 cities Popu lation by C ity Ti er (Cr) Penetration (%) Density (USD) Geography Ti er lll E 100.8 Life Non-Life Total Life Non-Life Total USA & Canada 2.7 8.6 11.3 1,999 6,416 8,415 Ti er II · - - - 25.l Ti er I 12.9
Slide 22: Evolution of Insurance Distribution Channels
a__ , Fin tech Evolution of Insurance Distribution Channels policy bazaar. paisabazaarO Early 2000s 2010 Offline Direct/Agent Channel Ba.ncassurance Offline Brokers ~ • I .a.:. / ]n sulier • We -----.► ..... 1111 • _II :! ~ 111111 ► Customers Insurers. / Broker Insurer Ba nk Customers II/' / Agent l
Slide 23: India's Insurtech Ecosystem
a__ , Fin tech India’s Insurtech Ecosystem policybazaare paisabazaarO Categories B2C B2B2C B2B PoSP agents & Sub-category B2C Broker Embedded Insurance Group Insurance consolidators Platform aggregating Insurtech selling Insurtech selling & selling insurance Insurtech selling group insurance through
Slide 24: Policybazaar.com: What are we solving & how
a Policybazaar.com policybazaare paisabazaarO What are we solving & how do we do it? What are we solving ? How do we do it ? Human Intensive Operations Tech-Enabled Processes Data-Backed Innovation Dependence On High Cost Physical Distribution Digital Distribution Sharp Risk Assessment Information A
Slide 25: PB Advantage for consumers
a__ PB Advantage for consumers , Fin tech policybazaare paisabazaarO Uniquely positioned for capturing mindshare Policybazaar provides a holistic product suite with seamless experience Customized journeys 600+ Product span Service & claims support Assistance using chatbots (from 50 insurers) (full s
Slide 26: PB Advantage for insurance partners
a PB Advantage for insurance partners policybazaare paisabazaarO Leverage data and technology to create best in class products and experiences High quality • Data disclosure directly from the customer - bypassing agent channel which is prone to fraud customer disclosures • Tech based document verifi
Slide 27: Our Business model
a__ Our Business model , Fin tech policybazaare paisabazaarO Consumer Fraud Detection & Driving Education First Notification Of Loss through Mass Media & PR Inbound Consumers Direct Traffic We Can Invest In Insurers Can Better Consumer Focus On Service & Claims New Product Assistance & Process polic
Slide 28: Our offerings from 50 partners
a Our offerings from 50 partners policybazaare paisabazaarO Compliance-led Savings & Protection Products Others Products Investment Products Health Term Motor Travel Home Pet Insurance Insurance Insurance Insurance Insurance Insurance 160+ 80+ 200+ 50+ 90+ Plans Plans Plans Plans Plans 23 16 23 16 1
Slide 29: Term insurance
a Term insurance policybazaare paisabazaarO New-age products for all consumers Women, Housewives & Salaried consumers Self-employed consumers Term Insurance Buyers Women Men 9% 12% 15% Term insurance plans for housewives with ₹1 Cr Sum Assured Surrogate underwriting using non- conventional variables
Slide 30: Health Insurance
a Health Insurance policybazaare paisabazaarO Catering to all insurance needs: Special products Healthy Individuals & Families Riders Senior Citizen Plans Plans to suit evolving needs: Yearly cover increase Room Rent Waiver Cover amount 30 minutes claim support## ~15 Lakh (In 120+ cities) Relationsh
Slide 31: Health Insurance: Unbundled offers & personalized options
a__ Health Insurance , Fin te ch policy bazaar. paisabazaarO Unbundled offers & personalized options Existing disease waiting period Unbundled offers: Choose the features you want ! It is a time span before a select list of ailments get covered in your policy policy bazaar fl 0 No preference ] HAR F
Slide 32: Motor Insurance: Usage based plans
a Motor Insurance Fin te ch ·- - policy bazaar. paisabazaarO Usage based plans: Pay-As-You-Drive Y,ou can g,et top, . Afl!er p ym.em.t, yo111. are ho11rt to upload odometer you y,earl drivil!l! reading on tib.e Policyibaza: r pp ► •_•• (2i c ffl l /C/C/C lomhard ( l / Ntbhilya Va;,da IDV Cover ~16,6
Slide 33: Motor Insurance: Consumer Connect Tools & Reminders
a__ Motor Insurance , F in tech policy bazaar. paisabazaarO Consumer Connect: Tools & Reminders Pay As You Go Insurance Calculator Which car do you drive? [ Search ca r by brands • 1 Avail 7% early bird discount. Renew your Maruti Swift's policy now. policy bazaarG · HAR FAMILY HOGI INSURED • 2 Just
Slide 34: Segmental Market Reach Approach
a__ Segmental Market Reach Approach , Fin tech policy bazaar. paisabazaarO Awareness brand campaigns in local / regional languages Tamil Telugu Marathi Hindi Check out our Nominee Grief Support Program Malyalam 34
Slide 35: Continuing to use humor as a tool
a__ Continuing to use humor as a tool , Fin tech policy bazaar. paisabazaarO Awareness brand campaigns with Kapil Sharma Engaging popular comedians like Kapil Sharma to create consumer awareness about serious subjects like The critical need of protection products (Health & Term insurance) for midd
Slide 36: The best of both worlds: Online B2C + Offline Push
a The best of both worlds: Online B2C + Offline Push policybazaare paisabazaarO Direct to Consumer Retail Business Intermediary Led Business Online B2C Online B2C + Offline Push B2B2C Consumer Led business Consumer Led business Agent Led / Initiated business Consumers Consumers Consumers •Tele-assis
Slide 37: New channels of access
a__ New channels of access , Fin tech policybazaare paisabazaarO Offline Push through stores & in-person appointments ., Website / Mobile site Telephone Chat • Choice of products, pricing, • Assistance during purchase • Assistance during purchase combos • Service coordination – through chatbots • Un
Slide 38: Phygital approach
a__ , Fin tech Phygital approach On-ground sales support in 200+ cities, helping convert better policybazaare paisabazaarO Book home visit X Cities with on-ground Book a FREE Home Visit sales support for your Health Insurance Fill your details to book a FREE Expert advice from the comfort home visit
Slide 39: Technology for Consumers & Insurance Partners
a__ , Fin tech Technology for Consumers & Insurance Partners policybazaare paisabazaarO Seamless services using integrations for dedicated & real-time data pipes ..... - _.. ,.· i .~ . ·- BU Tech: Customer Experience & Insurer Integrations Customer Experience Insurer Integration Layer Layer • Quotes
Slide 40: Technology solutions for Consumers
a Technology solutions for Consumers policybazaare paisabazaarO Customized solutions Personalized quotations & plan recommendations Easy Documentation Calendar Self-aided consumer Real-time Motor Vehicle using OCR & Management for journeys Endorsements Inspection Computer Vision medical tests Techno
Slide 41: Technology solutions for Consumers
a policy bazaar. paisabazaarO Technology solutions for Consumers User friendly interface assisting customers throughout the lifecycle NSURERI.PI.AN PAYOUT COVERUPTO CL\JMSSEmID ~ PREMIUM ~ Compare Premiums in 30 Seconds Payment and Plan Summary ~ a f~ 5" 0ff NAME Mr. Entor Your Noma 1Cr 60yrs Moxlml
Slide 42: Technology solutions for Consumers: App experience
a Fin tech -- - Technology solutions for Consumers policy bazaar. paisabazaarO A wholesome experience in the App Consumer Education Policy Management Renewals / Awareness ln~,s:i, , Gi:i, ri lffd FWI" enn n! Cliild • Plana Rlilurns i:iton S1rm1,;i11PI- ~ F 'I Groo,p Tr!P Viewffil Hear n__ H ltlL IA!
Slide 43: Technology solutions for Insurance Partners: Risk Assessment
a__ Technology solutions for Insurance Partners: Risk Assessment , Fin tech AI based risk framework used to detect fraud Current Interactions Risk Score less than Cut-off Explicit •Website / M-site Price Variables Advantage •Tele / Video •Meeting Historical Interactions Lower claims Sent to the insu
Slide 44: Technology solutions for Insurance Partners: Risk Assessment
a__ , Fin tech Technology solutions for Insurance Partners: Risk Assessment AI based risk framework used to detect fraud 1ve ness checks Models- Deep fakes detection Eyebr01. e Ovter. . . .~ EvetfowLe:nirner Ey o:ltTop ",,_., - Pup Ul e l t:.y eLel10uter N • ~ • ll O ·.· ~. • •.· ~ ~ It l b-: ~ •••
Slide 45: Technology solutions for Insurance Partners: Risk Assessment
a Technology solutions for Insurance Partners: Risk Assessment AI based risk framework used to detect fraud Face Matching, Voice Matching and Liveness Scores Verification with Public Databases Graph Algorithms Agent Anomalies Payment& Fraud Rings Booking .Anomaly Detection Risk.Repou Verification ha
Slide 46: AI-based call compliance and quality assessment
a__ , Fin tech Technology solutions to Empower employees policybazaare paisabazaarO AI-based call compliance and quality assessment Proactive detection and flagging of compliance breaches Speech-to-Text Recorded Calls Sell-hosted ASR model NLP Intelligence Layer fine-tuned on Hinglish audio 46
Slide 47: CRM systems
a__ , Fin tech Technology solutions to Empower employees policy bazaar. paisabazaarO CRM systems Proprietary systems for lead management & booking management • ► 14374& System conducts uO ra '"' t,,, a 0. e) “Intent Analysis” e All c::: Vansh Negl Camm nts Custom r History 0 0 l::'Co B l ...., 0 RMD
Slide 48: CRM systems: mobile app
a Technology solutions to Empower employees policy bazaar. paisabazaarO CRM systems CRM system with additional features : a mobile app format to provide assistance to our employees supporting consumers through in-person appointments My Performance f- Lead Details :.:.~ Health..Retalners (Health) Sho
Slide 49: Technology solutions to Empower employees
a Technology solutions to Empower employees policybazaare paisabazaarO Quality Management System • Maintains the quality of conversations; highlights any mis-selling/ high-performing advisor techniques • Automated Speech Reporting & Business Unified Communication Recognition (ASR) platform to Intell
Slide 50: Claims Assistance: popularized through media campaigns
a__ , Fin tech Claims Assistance: popularized through media campaigns policy bazaar. paisabazaarO Our consumers should only worry about healing & getting fitter All insurance related processes will be managed by us (support within 30 mins) “Ye sab mein dekh lunga” Our consumers enjoy cashless claims
Slide 51: Claims Assistance
a Claims Assistance On-ground assistance at the time of claims policy bazaar. paisabazaarO Motor Assured Delivery Program Customer calls for PB claims advisor RM meets customer Car repaired in Satisfied customer claim assistance pitches ADP garage & provides end-to- record time end assistance ......
Slide 52: Claims Assistance
a Claims Assistance policybazaare paisabazaarO Tech-enabled assistance at the time of claims Video uploaded by the • Information passed to the Insurer customer on the mobile app • Insurer assigns a Surveyor • PB System sends an AI-based damage report with cost estimations to the Surveyor • Back-end
Slide 53: Claims Assistance
a Claims Assistance policybazaare paisabazaarO On-ground assistance at the time of claims Health On-Ground Claims support in 190 cities RM meets customer Customer calls for PB claims advisor & provides end-to- Hassle-free in-hospital Satisfied customer claim assistance pitches the network end assist
Slide 54: Claims Grievance Redressal Day
a__ Claims Grievance Redressal Day , Fin tech policybazaare paisabazaarO Claims Samadhan Diwas Real-time re-assessment of repudiated / rejected claims In a tripartite conversation with the insurance partner, consumer and Policybazaar Garnering consumer trust by assisting during the moment of truth –
Slide 55: Claims Assistance
a -- - Fin tech Claims Assistance Handy kit for claims policy bazaar. paisabazaarO We provide Claim Assistance Card for the nominee to ensure they have handy policy details as well as direct claims assistance number always with them policy bazaar. . IUi·IM#Oii#i-lrlli fi»I-U•M You are important to u
Slide 56: Awards & Recognition
a Awards & Recognition policybazaare paisabazaarO Best Insurtech at FICCI PICUP Best Insurtech and Best CEO at Best Use of Brand Awareness at Awards BW Festival of Fintech E4M Health FICCI PICUP Awards BW Festival of Fintech E4M Health & Wellness Awards Best Use of Consumer Tech for Best Domestic Br
Slide 57: Paisabazaar
paisabazaare
Slide 58: Paisabazaar: India's largest comparison platform for credit products
a policybazaare paisabazaarO Paisabazaar: India’s largest comparison platform for credit products India’s largest 23 Lacs credit score awareness initiative Monthly Enquiries ~₹17 k Cr (credit products) ^ Loan disbursals ARR* 4.8 Cr 21 Lacs Credit Score >5.8 Lacs Consumers Credit Cards issued ARR* Tr
Slide 59: Offering consumers wide choice & ease of comparison
a__ , Fin tech Offering consumers wide choice & ease of comparison policybazaare paisabazaarO Solving structural problems by keeping consumer at the core Consumer Pain-points Paisabazaar Advantage IG) Difficult to find best offer I I* Transparent & Neutral Comparison Credit offers from 70+ partners
Slide 60: Platform of Choice for India's credit needs
a__ , Fin te ch policy bazaar. paisabazaarO Over the years, have become Platform of Choice for India’s credit needs 12:00 paisabazaarO • Sign In Independent, unbiased & transparent platform with E2E assistance Get Lifetime Free Credit Score & Report Track Credit Score. Free Forever - No impact on Cr
Slide 61: Robust long-term growth opportunity, driven by strong macro factors
a__ , Fin tech Robust long-term growth opportunity, driven by strong macro factors policybazaare paisabazaarO Large Consumer Credit Market .. # ..is underpenetrated Household debt to GDP ratio^ 84% 63% 64% ~10 Lac Cr ~14 Lac Cr ~2.4 Cr Secured Loans Unsecured Credit Cards issued 17% - disbursed Loan
Slide 62: Current external environment tough, moderation in unsecured credit
a__ , Fin tech Current external environment tough, moderation in unsecured credit & Cards policybazaare paisabazaarO For sustainable, long-term growth, industry encouraged Guidance led to policy & to review supernormal growth in unsecured process changes for a stronger ecosystem Rapid growth in unse
Slide 63: Moderation in Q2; H2'25 to remain muted for Unsecured growth
a policybazaare paisabazaarO Moderation in Q2; H2’25 to remain muted for Unsecured growth Disbursals (₹ Cr) [Unsecured + Secured] Credit cards issuance (k) 149 4,237 146 4,139 117 2,922 1,639 1,506 COVID 45 year COVID year 22 539 11 Q2'20 Q2'21 Q2'22 Q2'23 Q2'24 Q2'25 Q2'20 Q2'21 Q2'22 Q2'23 Q2'24 Q
Slide 64: Maintaining positive adj. EBITDA, contributed by trail revenue
a Maintaining positive adj. EBITDA, contributed by trail revenue policybazaare paisabazaarO Adj. EBITDA Margin % Trail revenue is >16% of credit revenue FY21 FY22 FY23 FY24 H1-25 - Q2 Q2 Q2 Q2 FY22 FY23 FY24 FY25 Improved processes & offerings Continued investments in brand, Co-created products driv
Slide 65: Going deeper into each aspect of unsecured
a__ Going deeper into each aspect of unsecured to offer seamless consumer , Fin tech policybazaare paisabazaarO experience Co-created strategy to offer: Own Digital Fulfilment helping: Expanding partnerships across: • Consumer-friendly propositions, seamless • Plug leakages Efficient Funnel • Cons
Slide 66: Deepening partnerships to expand choice of consumer offerings
a Deepening partnerships to expand choice of consumer offerings policybazaare paisabazaarO New partnerships across lending New launch: Co-created feature-rich & credit cards PaisaSave credit card Unsecured lending • 3 new partners across segments 3% Cashback on Online Spends* • 6 more in pipeline
Slide 67: Strengthening focus on the large secured credit market
a__ , Fin tech Strengthening focus on the large secured credit market… policybazaare paisabazaarO Secured Loans is a large market… ... With >14 Lac Cr* market disbursal size Secured Loans: ~60% @) Home Loan 10 Lakh Cr of TAM @ Loan Against Property 4 Lac Cr @ Loan Against Securities E 5 2,000 Lakh C
Slide 68: Investing in fulfillment & digital capabilities for Secured Credit
a policybazaare paisabazaarO Investing in fulfillment & digital capabilities to build scale in Secured Credit Scaling Secured Credit Strong D2C play PB Connect: A tech platform to bring in digitization, efficiency • Wide & deep partnerships across PSUs, Pvt Banks, HFCs etc • Product expansion: focus
Slide 69: Growing adoption of AA ecosystem
a__ Growing adoption of AA ecosystem provides an opportunity to create , Fin tech policybazaare paisabazaarO products with high engagement AA ecosystem* is gaining traction 17 AAs with 100M+ consents operating license registered Opportunity to build personal financial management tool ~7M new account
Slide 70: PB Money, an AA-based Personal Financial Management tool
a__ , Fin tech PB Money, an AA-based Personal Financial Management tool policy bazaar. paisabazaarO Beta launch in Q3 Strong Industry-first consumer proposition 5:13PM • 5:13PM • ~ pbm ney ~ pb m ney Hey Akanksha , Your total account balance is Here is a summary of your I Connect all accounts in o
Slide 71: Credit Score platform backbone of consumer engagement
a__ , Fin tech paisabazaarO Credit Score platform continues to be the backbone of consumer engagement policybazaare Enabled 4.8 Cr consumers to be credit aware 12:00 • .. ... FREE for Life Access to credit score from all - paisabazaarO @l~ English v with monthly updates @] 0 Credit Report (& Offers
Slide 72: Credit Score Platform
a__ , Fin tech Credit Score Platform policy bazaar. paisabazaarO Helping consumers get actionable insights to manage & improve score 4.8 Cr consumers accessed credit score Help track score Insights on score Help raise dispute changes change ,.. 4.8 12:00 • 12:00 CIBIL • What's Changed In the last 6
Slide 73: Responsible lending: collaborating to detect fraud early
a Responsible lending Fin tech -- - policy bazaar. paisabazaarO Collaborating with ecosystem to detect fraud early, manage risk 1. Review performance of various segments diligently 2. Building AI/ML based fraud detection models in with key partners collaboration with the partners • Capturing & imple
Slide 74: Responsible lending: fraud-avoidance & sustainable risk
a__ , Fin tech Responsible lending policybazaare paisabazaarO Aim to be the platform for fraud-avoidance & sustainable risk Combining parameters from different sources Application Behaviour Fraud Reporting Visual Fintech Ecosystem Tracking • Time spent on page • Credit bureau • Selfie image checks •
Slide 75: Responsible lending: fraud identification framework
a__ , Fin tech Responsible lending policybazaare paisabazaarO Building a robust fraud identification framework by identifying linkages Applicants Geo- locations Flag customers with multiple matches t t Graph clustering Identity Identify identity fraud from subtle t t based on unsupervised machine le
Slide 76: Responsible lending: AI-driven compliance monitoring
a__ , Fin tech Responsible lending policybazaare paisabazaarO AI-driven model for compliance monitoring Customer Agent Conversation Step 1 GRID, Dialer, Blob Step 2 Recording Optimization ~ ~ OpenAI • LlaMA by Meta 00 Proprietary ASR Models Diarization Identify Who is speaking. Customer or Agents St
Slide 77: New initiatives
New initiatives
Slide 78: PB Partners
a__ PB Partners , Fin tech policybazaare paisabazaarO Sustained market leadership & Increasing efficiency pbpj..1!..1?..~!.~· PBPartners.com is a platform for independent sellers of Insurance and other financial products Zone wise Share of business Enable sellers to sell across Products and Supp
Slide 79: PB Partners: A win-win for all stakeholders
a__ PB Partners , Fin tech policybazaare paisabazaarO A win-win for all stakeholders of the ecosystem pbpj..1!..1?..~!.~· Benefit to Benefit to Benefit to Insurer Partners Network Agents / Seller Partners Consumers • Insurer partner gets to deal with one • Higher earning avenue: Larger range • Perso
Slide 80: PB Partners: First-in-industry tech initiatives
a PB Partners Fin te ch ·- - policy bazaar. paisabazaarO First-in-industry tech initiatives Improving the breadth of product offerings, supported by sales training pbpartnerse #EX IIISIITA IHAIIOSE KA Certification V General Insurance 11- Dashboard ~ Sell Now ~ V [e' Request Offline Quote > Car Two
Slide 81: PB Partners: Consumer life cycle management
a PB Partners Fin tech -- - policy bazaar. paisabazaarO First-in-industry tech initiatives Simplified Consumer Life cycle management using the platform O,ashboard • My Leads C rti ication • • 20:22/08105 - 2022/11/I V Sell Now ~ Re,que-s-1 Offline Quote > -All Car Two~ heele Hoolth Llf 01he s l...ea
Slide 82: PB Partners: Self-help features
a PB Partners Fin tech ·- - policy bazaar. paisabazaarO First-in-industry tech initiatives Self-help features: Endorsements, Cancellations & Refunds Select Issue pbRartnersO #FX. IIISHTA IIWIOSE KA Certification ~0 [ Certfied' ~ Need Policy Copy A ~ Policy Related Query POLICY NO INSURER (101} PRODU
Slide 83: PB Partners: A full-fledged app for operational support
a PB Partners Fin tech -- - policy bazaar. paisabazaarO A full-fledged app for operational support Service request on the phone – Service request on the phone Get Policy Motor renewals - One click pay .•11? • 19:05 i,;J i,;J ill t M, l'iil , ,,,1 59% - f- PB Partners QA f- PB Partners QA PB Partners
Slide 84: PB Partners: Relationship Manager for 24*7 support
a__ PB Partners , Fin tech policy bazaar. paisabazaarO Relationship Manager for 24*7 support SVRM (Secondary Virtual Relationship Manager) • Tech-based initiative • Dedicated 24*7 support for seller partners • Payout Queries • Pre-inspections • Endorsement Assistance • Quotation Management • CJ & KY
Slide 85: PB Partners: Experience Centers
a__ PB Partners , Fin tech policybazaare paisabazaarO Enabling & up-skilling the Seller partners through Experience Centers pbpj..1!..1?..~!.~· Experience Centers to offer training, development & upskilling opportunities to our seller partners Aarambh A training program for newly recruited partners
Slide 86: PB Partners: Awards & Recognition
a__ PB Partners , Fin tech policybazaare paisabazaarO Awards & Recognition pbpj..1!..1?..~!.~· World Leadership and World BFSI Stars of the Industry BW Business World Dream Company to Work For - Financial Award for Marketing Communications Financial Inclusion FinTech Company of Service Sector 2023 B
Slide 87: PB for Business
a__ PB for Business , Fin tech policybazaare paisabazaarO policy bazaar Corporate Insurance grew 5x in 3 years -------for------- 8 US in e S S Corporate plans include both Employee benefit policies such as Group Term & Group Health insurance and Property & Liability coverage Insurance Premium (₹ Cr)
Slide 88: PB for Business
a PB for Business Fin tech ·- - policybazaare paisabazaarO policy bazaar -------for------- 8 US in e S S App designed to enable employers (corporates) for policy management / administration Employee benefits accessible on the app for employees HR Portal WhatsApp Bot M 11 11 Manlsh .... - -• Policyba
Slide 89: UAE Operations
a__ UAE Operations policybazaare paisabazaarO , Fin tech Premium grew 9x times policyba aar e Focus on Health and Life Insurance Premium (₹ Cr) Started operations in FY19 insurance 9x Other Financial products also on the same platform Current ARR Leadership position Loans (Personal, Mortgage, Car),
Slide 90: UAE Operations: Co-created products for NRIs
a__ UAE Operations policybazaare paisabazaarO , Fin tech policyba aar e Co-created products exclusively tailored for NRIs Cross-border coverage: providing coverage in both UAE and India Cashless Claims for Free Annual Health No Claim Bonus AED 1 Million in Check-up both UAE & India Port the policy i
Slide 91: UAE Operations: Assisting insurance partners with fraud prevention
a UAE Operations -- - Fin te ch policy bazaar. policyba aar paisabazaarO e Assisting insurance partners with fraud prevention Using real-time transaction monitoring, risk assessment, & regulatory compliance Need some more details! Need some more details! Personal Details Car Details Personal Details
Slide 92: UAE Operations: Awards & Recognition
a__ UAE Operations policybazaare paisabazaarO , Fin tech Awards & Recognition policyba aar e The Middle East Leadership Awards 2024 MEA Markets UAE Business Sukoon Insurance at their Mid- Awards Year Awards Company of the year Most Innovative Online Insurance & Top Performing Broker - Overall Financ
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END For any queries please email: investor.relations@pbfintech.in PB Fintech Limited Plot 119, Sector 44 Gurugram Haryana 122001