Computer Age Management Services Ltd · NSE:CAMS
Computer Age Management Services — Investor Day (September 2024)
166 slides from Computer Age Management Services's investor day presentation, Sep 25, 2024
Slide 1: Investor Presentation - Analyst Day cover letter
| Your Services al Que Mission. Your Geowtt Solutions : A 25" September 2024 BSE Limited, National Stock Exchange of India Limited Phiroze Jeejeebhoy Towers, Exchange Plaza, 5th floor, Plot No. C/I, Dalal Street G Block, Bandra Kurla Complex, Bandra Mumbai 400 001 (East), Mumbai 400 051 Scrip Code:
Slide 2: CAMS Performance Overview
CAMS PERFORMANCE OVERVIEW © 2023 Computer Age Management Services Limited
Slide 3: CAMS Company Overview
CAMS COMPANY OVERVIEW Shareholding Pattern (%) Directors Mr. Dinesh Kumar Mrs. Vijayalakshmi Mr. Natarajan Mehrotra Rajaram Iyer Srinivasan Chairman & Independent Director Independent Director Independent Director Former Chairperson & Former MD – Former Chairman and MD – Bank of India CG Power and F
Slide 4: Regulated and accredited intermediary, trusted brand
REGULATED AND ACCREDITED INTERMEDIARY TRUSTED BRAND BY FINANCIAL INSTITUTIONS, FINTECHS & CUSTOMERS 500 3.6 Cr. ❑ CAMS and Group companies regulated across all 5 Regulators Financial Institutions, Investors in Fintechs Asset Management ❑ Service partner for SEBI & AMFI 1.3 L MF Intermediaries & 90 L
Slide 5: CAMS lines of business
PREFERRED STRATEGIC PARTNER TO INSTITUTIONS IN THE EXPONENTIALLY GROWING CAPITAL MARKET & FS SECTOR THROUGH OUR VARIOUS LINES OF BUSINESSES CAMS for Alternatives Mutual Fund RTA AIF & PMS KYC Repository & Payments Services Insurance Repository & Account Aggregator Central Record- Services keeping Ag
Slide 6: Key levers of value creation
THE COMPANY CONTINUES TO DRIVE THE KEY LEVERS OF VALUE CREATION Build depth of expertise with leadership & talent infusion Accelerate the momentum on growth Be future ready through platform augmentation Deepen differentiation with first-to-market innovations Sustain leadership position across our bu
Slide 7: Sustain leadership position in our businesses
SUSTAIN LEADERSHIP POSITION IN OUR BUSINESSES CAMS – Distinct businesses, Shared success Mutual Funds Alternatives CAMSPay CAMSKRA CAMSRep CAMSfinserv ❑ 10 of Top ❑ #1 in MF ❑ #2 with ❑ #2 with ❑ Rapidly ❑ >50% 15 Players NACH / 18 Mn. 90 Lakh gaining share in eNACH KYC e-Insurance market Domestic ❑
Slide 8: Deepen differentiation with first to market innovations
DEEPEN DIFFERENTIATION WITH FIRST TO MARKET INNOVATIONS USING NEW AGE TECH CAMS MF ❑ Intelligent automation across the process value chain to provide compliant, consistent, predictable service Think360 (60 Cr. transactions, 3.6 Cr. investors) ❑ Affluence 360 for Asset Managers – assess market potent
Slide 9: Synergy among businesses
SYNERGY AMONG BUSINESSES TO OFFER COMPREHENSIVE, CUTTING EGDE SOLUTION TO THE MARKET Processing & Bespoke Customer Risk Customer Payments Analytics Technology Onboarding Management Service Development ❑ Instant KYC ❑ End-to-end ❑ Recurring ❑ AML ❑ Data Bureau ❑ APIs ❑ Account transaction payments ❑
Slide 10: Be future ready through platform augmentation
BE FUTURE READY THROUGH PLATFORM AUGMENTATION FULL STACK DELIVERY ACROSS THE VALUE CHAIN Intelligent Automation of the operations API Studio – Client Digital properties, Interfaces with intermediaries INNOVATION SCALABILITY LEADERSHIP Reg Tech for risk control and regulatory compliance posture Analy
Slide 11: Accelerate momentum on growth and non-MF revenue
ACCELERATE THE MOMENTUM ON GROWTH & AUGMENT NON-MF REVENUE CAMSfinserv CAMSRep ❑ 17% share; CAMSPay ❑ Accelerated Maximum FIP CAMSKRA ❑ Expanding ePolicy integrations beyond Mutual conversions – ❑ Expanding 10 Lakh beyond Funds in new Alternatives e-policies / qrtr. MF space to larger sectors ❑ 2 WI
Slide 12: Leadership, talent infusion
LEADERSHIP, TALENT INFUSION Top talent from leading management & Technology institutes totaling 100+ individuals with diverse backgrounds. 55% from IITs and IIMs FUEL – Future Emerging Leaders Engineering talent for Platform Rearchitecture 11
Slide 13: Awards
AWARDS Technoviti Award 2024 Business World Excellence Awards 2024 CAMSfinserv was awarded the Silver Award for Open Banking Solution CAMSPay honoured with CAMS FinServ won award the Technoviti Award for at the Banking Frontiers their product ‘Daily SIP on Technoviti event for ‘Pre- approved Loan Ag
Slide 14: Awards
AWARDS Best Corporate Technology Adoption’ award 𝟭𝟲𝘁𝗵 𝗘𝗱𝗶𝘁𝗶𝗼𝗻 𝗗𝗮𝘁𝗮𝗖𝗲𝗻𝘁𝗲𝗿 𝗦𝘂𝗺𝗺𝗶𝘁 & 𝗔𝘄𝗮𝗿𝗱𝘀 𝟮𝟬𝟮𝟯 Computer Age Management Services Limited is the 𝗪𝗜𝗡𝗡𝗘𝗥 for the HDFC Bank has honored award category “𝗡𝗲𝘄 𝗜𝗻𝗶𝘁𝗶𝗮𝘁𝗶𝘃𝗲𝘀 𝗜𝗧…
Slide 15: Management Commentary
MANAGEMENT COMMENTARY
Slide 16: Five-year revenue growth, margin expansion and productivity
CAMS HAS DEMONSTRATED HEALTHY REVENUE GROWTH, SUSTAINABLE MARGIN EXPANSION AND CONSISTENT PRODUCTIVITY IMPROVEMENTS OVER THE LAST 5 YEARS 12,000 10,000 8,000 ▪ AAuM of CAMS Serviced funds has grown at a CAGR of 16% Rs in Mn 6,000 11,365 from ₹15.8 Tn to ₹33.4* Tn in the last 5 years 4,000 6,936 2,00
Slide 17: Meet the Leaders
MEET THE LEADERS
Slide 18: Leadership Team
LEADERSHIP TEAM Anuj Kumar Syed Hassan Ram Charan Sesharaman Ravi Kethana Managing Director Chief Operating Officer Chief Financial Officer Chief Platform Officer 30 years 27 years 25 years 29 years IBM India , Concentrix, “DXC Technology, “TVS , SSI , Lason India , “TCS & Wipro” Godrej & Boyce Brit
Slide 19: Leadership Team
LEADERSHIP TEAM Vasanth Emmanuel Jeyapaul Tejinder Singh Anish Sawlani Chief Executive Officer – Chief Executive Officer Chief Executive Officer– CAMSKRA CAMS Payment Services Pvt. Ltd. CamsFinserv Investor Relation Officer 27 years 25 years 14 years “Bennett, Coleman & Co. Ltd., “ICICI Bank, Airtel
Slide 20: Thank You
OU yt HANK.
Slide 21: Propelling the Mutual Funds Industry Growth
Propelling the Mutual Funds Industry Growth 1
Slide 22: Household investments into MF rapidly increased
HH INVESTMENTS INTO MF HAS RAPIDLY INCREASED, MF FOLIOS SEEING FASTER GROWTH OVER DEMAT ACCOUNTS Household Savings MF Folios vs. Demat Accounts % in Total Household 36.9 6.3 6.1 Folios in Mn. 24.8 15.0 savings 32.1 2.6 16.2 2.0 1.9 1.2 0.8 1.1 13.2 2019-20 2020-2021 2021-22 2022-23 FY'23 FY'24 FY'25
Slide 23: Rapid retail participation in mutual funds
RAPID RETAIL PARTICIPATION IN MUTUAL FUNDS SPARKS THE SURGE – INDUSTRY WITNESSED HISTORIC HIGHS AND NEW MILESTONES Investors Base Industry Overall AuM Equity AuM 4.9 Cr. Rs.66 Lakh Cr. Rs.37.3 Lakh Cr. Aug’24 Aug’24 Aug’24 Added 1.1 Cr. 42% CAGR 58% CAGR investors over Apr’23 over Apr’23 over Apr’23
Slide 24: Gross inflows and SIP registrations
RAPID RETAIL PARTICIPATION IN MUTUAL FUNDS SPARKS THE SURGE – INDUSTRY WITNESSED HISTORIC HIGHS AND NEW MILESTONES Gross Inflows (Individuals) SIP Registrations Rs.13 Lakh Cr. 4.3 Cr. FY’24 * FY’24 17% Growth 70% Growth over FY’23 over FY’23 *Source: CAMS MFDEx data representing 96% of Industry gros
Slide 25: CAMS serviced funds: growth in unique investors
CAMS SERVICED FUNDS: 40% GROWTH IN UNIQUE INVESTORS SINCE APRIL 2023 Apr’23 Mar’24 Aug’24 2.6 Cr. 3.2 Cr. 3.6 Cr. Monthly Avg. Additions: Over 5 Lakh per month Over 8 Lakh per month 1.5x of competition 5
Slide 26: Crossed Rs.40 Lakh Cr. AUM milestone
WE CROSSED THE Rs.40 Lakh Cr. AUM MILESTONE IN Q1 FY’25, NOW AT Rs.44.7 LAKH Cr. AuM Trend (Rs. in Lakh Cr.) rowth G 0% 2 wth o Gr % 44.7 31 37.3 28.5 Apr’23 Mar’24 Aug’24 6
Slide 27: Equity assets growth ahead of competition
OUR EQUITY ASSETS CONTINUED TO CLIMB STEADILY, CLOCKING GROWTH AHEAD OF COMPETITION (56% CAGR vs. 48%) Equity AuM* 65% 66% 66% Share Share Share rowth G 4% h 2 rowt G 4 9% 24.6 19.8 Lakh Cr. 13.3 Lakh Cr. Lakh Cr. Apr'23 Mar'24 Aug'24 * Equity includes Growth & Equity oriented schemes, Index-Equity
Slide 28: Over 70% of net equity inflows from CAMS serviced funds
>70% OF NET INFLOWS IN EQUITY FROM CAMS SERVICED FUNDS, BACKED BY STRONG NFO AND SIP COLLECTIONS Equity Net Sales NFO Mobilization 74% 71% 51% 77% Share Share Share Share Rs. in Cr. Rs. in Cr. 43,969 1,92,570 33,514 1,56,411 FY'24 FY'25 till Aug'24 FY'24 FY'25 till Aug'24 2x Growth * Equity includes
Slide 29: Retail investor participation via SIPs
RETAIL INVESTOR PARTICIPATION VIA SIPs GAINED RAPID MOMENTUM, WITH CAMS’s SHARE STEADILY INCREASING New SIP registrations SIP Gross Inflows (in Rs. Cr.) 60.7% 61.8% 62.3% 58.2% 60.3% 61.0% Share Share Share Share Share Share 1.8 2.6 Cr. 1.5. 66,756 Cr. 1,20,104 Cr. 90,744 FY’25 till FY’25 till FY’23
Slide 30: Transaction volume increased 75% over FY23
TRANSACTION VOLUME HAS INCREASED BY 75% OVER FY’23 AVERAGE Transaction Volume 47 28% 60 36% 34 Cr. Growth Cr. Growth Cr. FY’25 till FY’23 FY’24 Aug’24 2.8x of competition Monthly 3.9 Cr. 5 Cr. 7 Cr. average 10
Slide 31: A day in life at CAMS
A DAY IN LIFE AT CAMS 0.4 Lakh 1.4 Lakh Rs. 68,180 Cr. 1.6 Lakh New Investors New Folios Transaction Value SIP Registrations 31 Lakh 6.5 Lakh Users Data for FY’25 till Aug’24 Transactions CAMS Digital 2x on peak days properties 11
Slide 32: Our platform powers large and fast-growing AMCs
OUR PLATFORM POWERS 19 LARGE & FAST-GROWING AMCs CAMS services ~₹44.7 Trillion AuM* of the ₹66 Trillion Indian MF industry ~68% market share 4 out of Top 5 AMCs & 10 of the Top 15 AMCs * AuM as of Aug’24 12
Slide 33: Preferred partner for new age digital mutual funds
PREFERRED PARTNER FOR NEW AGE, DIGITAL MUTUAL FUNDS – CHOSEN FOR TECHNOLOGY, LEADERSHIP & DOMAIN EXPERTISE 5 out of the last 7 AMC mandates won by CAMS 13
Slide 34: Technology infrastructure enabling consistent services
OUR TECHNOLOGY INFRASTRUCTURE HAS ENABLED CONSISTENT & RELIABLE SERVICES Scale / Customer Ecosystem Growth Experience Integration through APIs On-demand BCP Compliance Service TRANSACTIONS API Hits EMAILS / YEAR SMS/YEAR APPLICATIONS PUBLIC CLOUD 598 Mn 3.6 Bn 2.4 Bn 2.6 Bn 145 3 RTA DB SIZE STORAGE
Slide 35: Automation across the process value chain
AUTOMATION ACROSS THE PROCESS VALUE CHAIN, HUMAN TOUCH ONLY FOR EXCEPTIONS ❑ Aadhaar OTP based KYC ❑ Email & ❑ Auto-match ❑ Auto ❑ Central Transaction ❑ No-touch ❑ Branch credit to exchange of Investor ❑ Structure import ❑ Auto-trigger of feeds bots Redemption & Scanner ❑ Auto posting transactions f
Slide 36: Harnessing AI for intelligent automation
HARNESSING AI FOR INTELLIGENT AUTOMATION ACROSS THE STACK TO DELIVER FIRST IN INDUSTRY CAPABILITIES EFFICIENT & FRIENDLY 01 INSTANT RESPONSE TO ❑ Customized NLP models trained on CAMS dataset INVESTOR EMAILS / CHATS ❑ NER and POS models to analyze content and QUICKER tonality 02 KYC IN <10 MINUTES ❑
Slide 37: Live monitoring for operational excellence
LIVE MONITORING TO DELIVER OPERATIONAL,TECHNICAL & REGULATORY EXCELLENCE >4 Bn. SMS and email tracked for delivery Controls Dashboard – OPERA 360 All IT Services across the stacks 17
Slide 38: Re-architecture of the TA Platform
Re-ARCHITECTURE OF THE TA PLATFORM
Slide 39: Thank You
THANK YOU 22
Slide 40: CAMS for Alternatives
CAMS ( > 260 | fintuple ALTERNATIVES
Slide 41: Industry Update
CAMS INDUSTRY UPDATE
Slide 42: Alternatives industry continues its bull run
ALTERNATIVES INDUSTRY CONTINUES ITS BULL RUN Superior returns Enabling profile + regulatory Structuring framework options The Industry is Drivers of pegged to grow at Growth 27-29% CAGR till FY 2027 1 Declining Liquidity - Higher attractiveness allocation by LPs of real assets 1Source – CRISIL Resea
Slide 43: Alternatives industry continues its bull run
ALTERNATIVES INDUSTRY CONTINUES ITS BULL RUN AIF Commitment Growth - June'23 to June'24 (₹ Tn)1 AIF Registrations as of June'23 and June'241 14 1600 1,346 11.78 12 1400 1.64 1,101 1200 270 10 8.45 1000 213 8 0.85 800 6 9.33 767 600 626 4 6.96 400 2 200 262 309 0.64 0.81 0 0 June'23 June'24 As of Jun
Slide 44: Our Offerings
CAMS OUR OFFERINGS
Slide 45: Scale: mature platform for fund administration
SCALE Mature platform & expertise honed over 15+ years for fund administration 2008 1 Client 1 Scheme 1 Location 4 Employees 2024 ₹2,26,000+ Cr AuS 100,000+ Folios Largest service partner to the Domestic Alternative 190+ AMCs Investment Funds segment: greater than 50% share 430+ funds 3 Locations 27
Slide 46: First to industry initiatives
SCALE 1st to industry initiatives – Pioneering New to Market Initiatives for the segment 1st RTA with full spectrum 1st RTA at GIFT City platform & services for Alternatives Industry Full range of services covering Fund administration services to TA, Fund Accounting, 19 Clients through its branch Co
Slide 47: Stack - platform infrastructure to support growth
STACK - PLATFORM INFRASTRUCTURE TO SUPPORT GROWTH AT SCALE White-labelled Core platform for portals for RTA operations investor / distributor Multi-currency, Multi-geography Investment First-of-its-kind Full-scale customizable Accounting analytics platform for Unified platform for Asset fund managem
Slide 48: Specialization
SPECIALIZATION 275+ Domain specialists Locations 3 (Chennai, Mumbai, GIFT City) o 360 Services 9
Slide 49: Way Forward
CAMS WAY FORWARD
Slide 50: Key emerging trends to watch out
KEY EMERGING TRENDS TO WATCH OUT GIFT CITY Increased regulatory oversight, standardization initiatives (KYC, DIGITISATION FATCA, Demat, Accelerated Fund Influx of new reporting formats) Launches aided by entrants – new fund from regulator in the conducive IFSCA managers wanting last 12-18 months reg
Slide 51: Maintain strong growth trajectory
WE WILL CONTINUE TO MAINTAIN OUR STRONG GROWTH TRA JECTORY Sustaining Consistent GIFT City Focus on leadership Wins Expansion Digital position ❑ AuM ₹ 2.26 Tn+1 ❑ 140 mandates2 ❑ 19 AMCs ❑ WealthServ360 continues to ❑ 190+ AMC ❑ 60 new to CAMS logos ❑ First overseas mandate scale with over 160 signu
Slide 52: Scaling in Digital for Ecosystem Partners
SCALING IN DIGITAL FOR ECOSYSTEM PARTNERS 15
Slide 53: Platform for the alternatives ecosystem
PLATFORM FOR THE ALTERNATIVES ECOSYSTEM THAT IS BASED ON RELATIONSHIPS Asset Allocators ❑ RIs & NRIs ❑ Entities (Corporates, HUFs, Pvt, Family Offices, etc.) ❑ Foreign (FPIs/FDIs/FVCIs) Safe Keepers & Accountants Sellers & Intermediaries ❑ Custodians Alternatives ❑ Distributors ❑ RTAs (MFs & Alterna
Slide 54: Finwyze capabilities across versions
FINWYZE CAPABILITIES ACROSS 2 VERSIONS Finwyze for Asset Managers & Distributors Finwyze for Custodians & Service Providers An umbrella solution that connects Asset Managers Single unified platform that connects Custodians and and/or Distributors to Investors and helps service & Service Providers to
Slide 55: The Road Ahead
THE ROAD AHEAD Forward ❑ “Shopify” model of client implementation 03 ❑ PDK & pre-packaged offering availability ❑ Leveraging AI for no-code platform dev ❑ Further extension into NPS, UPS, & Wealth Currently ❑ Ready-to-configure platforms 02 ❑ IP readiness as Lego “models” ❑ Quick configuration & dep
Slide 56: Thank You
THANK YOU 23
Slide 57: CAMSPay's Growth Journey and Strategic Outlook
CAMSPay’s Growth Journey and Strategic Outlook in the Payment Aggregator Business 1
Slide 58: Key market update: BFSI ecosystem
KEY MARKET UPDATE: BFSI ECOSYSTEM MUTUAL FUND INSURANCE NBFC/ BANKING SIP GROWTH FY24 Overall Growth: Driven Non-Life 10% by improved asset quality 12.7% 2% Life & strong macroeconomic fundamentals Breaching 20.2% Health INR 1Tn Market Share of NBFC 24% in the credit market from 2017- 2024 12.9% Mot
Slide 59: Indian payments industry update
INDIAN PAYMENTS INDUSTRY UPDATE • Exponential Growth of UPI: ~75% of Digital Payments within India are through UPI (dominant Payment mode in India) • Unified Payment Interface (UPI) transactions in India in FY24 compared to the previous financial year o Volume: a 57% rise (crossed 100 Billion) o Val
Slide 60: Comprehensive Payment Solutions Platform
COMPREHENSIVE PAYMENT SOLUTIONS PLATFORM 4
Slide 61: UPI 2.0
UPI 2.0 First Payment Aggregator to Recognized as one amongst the launch UPI 2.0 for the BFSI top three players on UPI 2.0 for Segment the BFSI segment by the NPCI The mutual fund segment has Daily SIP, a new trend in UPI 2.0 experienced the highest level of specifically for Mutual Fund Segment adop
Slide 62: FY'24 Performance Summary
FY’24- PERFORMANCE SUMMARY Increase in Transaction Value compared to FY23 16% 40% 22% NACH DIGITAL TOTAL TRANSACTION VALUE Growth in revenue compared to FY23 18% 53% 26% NACH DIGITAL TOTAL REVENUE 6
Slide 63: Goal
GOAL Scale our business by achieving 60% growth in FY25 7
Slide 64: FY'25 Outlook
FY’25 OUTLOOK CAMSPay received Final PA Authorization from the Reserve Bank of India RECURRING PRODUCTS DIGITAL PRODUCTS Product Volume H1 FY'24 Product Volume H1 FY'25 Product Volume H1 FY'24 Product Volume H1 FY'25 H1 FY’24 vs H1 FY’25 60,00,000 2,50,00,000 50,00,000 2,00,00,000 40,00,000 1,50,00,
Slide 65: Key focus areas for FY'25
KEY FOCUS AREAS FOR FY’25 PAYMENT GATEWAY Own Payment Gateway for card processing and partnering with a bank for BIN sponsorship. Provides Flexibility | Security | Competitive Edge Supports Swift Secure Payment Accepts All Types Pricing Updated on Best Support Onboarding Acceptance with of Cards wit
Slide 66: Thank You
THANK YOU 10
Slide 67: CAMS KRA
CAMS KRA Reimagined | Redesigned Revamped 1
Slide 68: New demat and MF account opening growth
NEW DEMAT AND MF ACCOUNT OPENING HAS GROWN BY 54% PA IN THE LAST 5 YEARS 54% 18.67 13.33 Accounts (in Cr.) FY20 FY21 FY22 FY23 FY24 New MF Investor * 0.48 0.54 1.18 0.92 1.74 Demat A/c # 0.50 1.40 3.50 2.50 3.60 9.91 Total 0.98 1.94 4.68 3.42 5.34 Cumulative 3.28 5.22 9.91 13.33 18.67 5.22 3.28 FY20
Slide 69: CAMS KRA grows faster than industry
CAMS KRA GROWS FASTER THAN THE INDUSTRY IN NEW PAN ADDITION; GAINS MARKET SHARE 20% 38% Focused on being 17% 24% 23% First to market (Growth %) & 20% 16% best in class 5% 4% FY 22 FY 23 FY 24 CAMS Industry Market Share 3
Slide 70: Revamped client acquisition strategy
REVAMPED CLIENT ACQUISITION STRATEGY TO WIN MARQUEE NAMES IN THE CAPITAL MARKET SPACE … 4
Slide 71: Transforming perception to a fintech partner
TRANSFORMING THE PERCEPTION FROM A TRADITIONAL PLAYER TO AN AGGRESSIVE FINTECH PARTNER – GOING BEYOND “MUTUAL FUNDS ONLY” Improved Rest Based Improved Product API Customer Offering Solution Service Leveraging Change in on Go-to- AI adoption platform Market play Strategy 5
Slide 72: Improved product offering - revamped API stack
IMPROVED PRODUCT OFFERING – REVAMPED API STACK ENABLES FRICTIONLESS JOURNEYS Lightning fast Effortless onboarding integrations Moved from SFTP to REST Enhanced No manual data security intervention 6
Slide 73: Launched Minute KYC
LAUNCHED 10 MINUTE KYC LAST YEAR – FIRST OF ITS KIND IN THE INDUSTRY AND STILL UNMATCHED ❑ Near real-time eKYC registration Objective ❑ Do away with manual verification/approval Cloud ❑ Reduce Human Errors Native ❑ Improve Productivity ❑ Custom image classification & extraction models using AI Appro
Slide 74: KYC application form screen
@@@ Ff tabName xB Tab Name xf TabName x + < c @ https://ekyc.camsonline.com/login-ab222m59kj! CAMSKRA KYC Application Form Aadhaar XML ites, DigiLocker verified e-Aadhaar oommenee sauna preteen eter ee hah. [J ea Se eed eee nl er = Dhan rare! omwom — [arsaamen a me PoP Serer aes 50, StF cnt eae aoe
Slide 75: KYC application form screen
@@@- F tabName xB TabName Xf Tab Name x + ¢€ C - @ https://ekyc.camsonline.com/login-ab222m59kj! CAMSKRA KYC Application Form Aadhaar XML Applicant details Photo Veritying Name Dhananjay Date of beth 27-Dec-2000 Addiess 183, Ghori, Palwal, Haryana Pincode: 121102 Mobile +91:98835 12345 hananjay_12@g
Slide 76: KYC application form screen
@@@ F tabName x TabName Xf Tab Name x + < C - @ https://ekyc.camsonline.com/login-ab222m59kj! CAMSKRA KYC Application Form Aadhaar XML Applicant details Photo @ fe) Name Dhananjay Veritying Date of beth 27-Dec-2000 Addiess 183, Ghori, Palwal, Haryana Pincode: 121102 Mobile +91:98835 12345 hananjay_1
Slide 77: KYC application form screen
eo0e € ¢ F Tab Name xB Tab Name x F TebName @ https://ekyc.camsonline.com/login-ab222m59kj! CAMSKRA KYC Application Form Aadhaar XML Applicant details Photo @ o) Name Dhananjay Date of beth O Foce%2000 Verity Addis 183, Ghori, Palwal, Haryana Pincode: 121102 Mobile +91:98835 12345 hananjay_12@gmailc
Slide 78: KYC application form screen
@@@- F tabName xB TabName Xf Tab Name x + < C - @ https://ekyc.camsonline.com/login-ab222m59kj! CAMSKRA KYC Application Form Aadhaar XML Applicant details Photo @ o) Name Dhananjay Date of beth 27-Dec-2000 Addiess 183, Ghori, Palwal, Haryana Pincode: 121102 Verity Mobile +91:98835 12345 hananjay_12@
Slide 79: KYC application form screen
@@@~ Ff TabName xf TabName x fF TabName < C - @ https://ekyc.camsonline.com/login-ab222m59kj! CAMSKRA KYC Application Form Aadhaar XML oieteay DigiLocker verified e-Aadhaar Pecumtee [ean genoa oe Sabet vs ad onewtnsee — [anstrwmocneesse [omatane [sens oaeetsente soos" | oooaan3454 are Denedey Destro
Slide 80: KYC application form screen
@@@~ Ff TabName xf TabName x fF TabName < C - @ https://ekyc.camsonline.com/login-ab222m59kj! CAMSKRA KYC Application Form Aadhaar XML oieteay DigiLocker verified e-Aadhaar Pecumtee [ean genoa oe Sabet vs ad onewtnsee — [anstrwmocneesse [omatane [sens oaeetsente — sooo 003454 are Denedey Destro! ow
Slide 81: KYC application form screen
@@@ = F TabName xB Tab Name x fF TabName < C - @ https://ekyc.camsonline.com/login-ab222m59kj! CAMSKRA KYC Application Form Aadhaar XML oieteay DigiLocker verified e-Aadhaar Pecumtee [ean genoa oe Sabet vs ad onewtnsee — [anstrwmocneesse [omatane [sens oaeetsente — sooo 003454 are Denedey Destro! ow
Slide 82: KYC verified successfully
KYC has been verified sucessfully
Slide 83: Managed surge in volumes with static headcount
MANAGED SURGE IN VOLUMES, REGULATORY IMPLEMENTATIONS, MARKET INTERACTIONS – WITH STATIC HEADCOUNT Static Headcount New PAN 38% Addition 253 (Count in Lakh) 135 Consumption 150% 74 FY 23 FY 24 FY 25 KYC Transactions 17
Slide 84: Launched Nexus - KRA realtime dashboard
LAUNCHED NEXUS – KRA REALTIME DASHBOARD – YET ANOTHER INDUSTRY FIRST Holistic view of the status of the Real-time business insights such as submitted KRA transactions top reasons for hold and rejection Visualize trends showing contributions Easy categorization by ‘Mode” and from different KYC modes
Slide 85: CAMSKRA dashboard
CAMSKRA BE Dashboard —@ Services Jal. CRMeKYC © Wwekshetty » & Registration @ Modification (OFF Broking >) vgiccker yD tast7aas of Summary - Registration Count Countincreese Registration tun around tine 54,763 46% 7 © 12 mins KYC count based on KYC type Showby | AIKYCtype ¥
Slide 86: CAMSKRA
CAMSKRA Top reasons for KYC hold 346 (12%) 126 (8%. 118 (4%) 198 (11%) © > Top reasons for KYC rejection 346 (12%) 126 (8%) 118 (4%) 198 (11%) 90 (3%) ° > © CAMSKRA @&)BSEKRA © NDMLKRA = * NSEKRA—® KARVYKRA —® CVLKRA 20
Slide 87: CAMSKRA
CAMSKRA Re Sere & Summary @GIRERIEEIER @: Services [El CRMeKYC & VivekShetty & Registration @ Modification Fitter by: Intermediary KyC ype ‘Choose period (GFF Broking + DD dgticcer wD test 7 ays r Summary overview Total intow InProgress 54,763 576 Registration details ABCDS427N ANOP 123458 AXOPIZ45A
Slide 88: Total inflow In Progress Registered Rejected
Total inflow In Progress Registered Rejected 54,763 576 53,570 271 Registration details Search Pat PAN umber be ese ; Lhe Contact details Remarks 9187378 73731 ABCDSAZIN Dhanajay 29108/202818-0135 _Digilocker Validated crineeepeaaee anoer23458 Rarweer waa Digilocker Onhold 918757873731 esign #918737
Slide 89: CAMSKRA summary dashboard
CAMSKRA 2 summery Denbow Hi cawexre 2 wt Consumption Summary This week Uploads Downloads Modified ‘Status Check 54,763 576 270 73,093 Check Investor’s PAN Details ‘ABCO3427N PAN Status Name PAN en ERANams Dhanajay ABCD3427N Nil CAMSKRA kyestatus Aye Status ate Geran Validated 29 June 2023 NL NIL 27
Slide 90: Consumption summary
onsumption summary This week Uploads Downloads Status Check 54,763 576 73,093 Check Investor's PAN Details 2% PAN Status a ABCDS427N PAN Status Dhanajay ABCD3427N Nil CAMSKRA 25 June 2023 Validated 29 June 2023 NIL Success 25 June 2023 NIL 27 June 2023 04:55:34 NIL © CAMSKRA =) BSEKRA = NOMLKRA = *
Slide 91: On-Tap KYC - a new mode for ease of investors
On-Tap KYC – A NEW MODE FOR THE EASE OF INVESTORS A delightful Easy On the go KYC investor Adoptability experience 25
Slide 92: On-Tap KYC chat screen
€ @ cams exye Hi Dhananjay, Thank you for showing interest in starting investments with GFF Broking. With us, you have easy access to FDs, Mutual Funds, Equities, and Options—all at your fingertips. We're here to help you save and invest for a brighter future. Shall we continue? No Yes CAMSKRA KYC S
Slide 93: On-Tap KYC chat screen
€ @ cams exye Hi Dhananjay, Thank you for showing interest in starting investments with GFF Broking. With us, you have easy access to FDs, Mutual Funds, Equities, and Options—all at your fingertips. We're here to help you save and invest for a brighter future. Shall we continue? No Yes Yes CAMSKRA K
Slide 94: On-Tap KYC chat screen
€ @ cams exye starting investments with GFF Broking. With us, you have easy access to FDs, Mutual Funds, Equities, and Options—all at your fingertips. We're here to help you save and invest for a brighter future. Shall we continue? No Yes Yes By continuing, you agree to being a Resident Indian, phys
Slide 95: On-Tap KYC chat screen
€ @ cams exye Equities, and Options—all at your fingertips. We're here to help you save and invest for a brighter future. Shall we continue? No Yes Yes By continuing, you agree to being a Resident Indian, physically present in the Indian sub-continent and submitting your personal details for account
Slide 96: On-Tap KYC chat screen
€ @ cams exye : CAMSKRA KYC Services. We're here to help you save and invest for a brighter future. Shall we continue? No Yes Yes By continuing, you agree to being a Resident Indian, physically present in the Indian sub-continent and submitting your personal details for account opening to invest in
Slide 97: On-Tap KYC chat screen
€ @ cams exye : CAMSKRA KYC Services Shall we continue? No Yes Yes By continuing, you agree to being a Resident Indian, physically present in the Indian sub-continent and submitting your personal details for account opening to invest in Capital Markets. No Yes Yes Please enter your PAN ABCD3427N 3 a
Slide 98: On-Tap KYC chat screen
€ @ cams exye : CAMSKRA KYC Services. No Yes Yes By continuing, you agree to being a Resident Indian, physically present in the Indian sub-continent and submitting your personal details for account opening to invest in Capital Markets. No Yes Yes Please enter your PAN ABCD3427N Please enter your nam
Slide 99: On-Tap KYC chat screen
€ @ cams exye : CAMSKRA KYC Services By continuing, you agree to being a Resident Indian, physically present in the Indian sub-continent and submitting your personal details for account opening to invest in Capital Markets. No Yes Yes Please enter your PAN ABCD3427N Please enter your name as per PAN
Slide 100: On-Tap KYC chat screen
€ @ cams exye : CAMSKRA KYC Services. submitting your personal details for account opening to invest in Capital Markets. No Yes Yes Please enter your PAN ABCD3427N Please enter your name as per PAN Dhananjay Please enter your date of birth as per PAN in DD-MMM-YYYY format (eg. 28-feb-1996) g 2 @
Slide 101: On-Tap KYC chat screen
1:42 € @ cams exye No Yes Yes Please enter your PAN ABCD3427N Please enter your name as per PAN Dhananjay Please enter your date of birth as per PAN in DD-MMM-YYYY format (eg. 28-feb-1996) 27-Dec-2000 2@ CAMSKRA KYC Services. £5)
Slide 102: On-Tap KYC chat screen
€ @ cams exye : CAMSKRA KYC Services. Please enter your PAN ABCD3427N Please enter your name as per PAN Dhananjay Please enter your date of birth as per PAN in DD-MMM-YYYY format (eg. 28-feb-1996) 27-Dec-2000 Your mobile number is XXXXXXXXX. Please confirm if the same number can be used for KYC subm
Slide 103: On-Tap KYC chat screen
€ @ cams exye : CAMSKRA KYC Services. ABCD3427N Please enter your name as per PAN Dhananjay Please enter your date of birth as per PAN in DD-MMM-YYYY format (eg. 28-feb-1996) 27-Dec-2000 Your mobile number is XXXXXXXXX. Please confirm if the same number can be used for KYC submission No Yes Yes 37
Slide 104: On-Tap KYC chat screen
Dhananjay Please enter your date of birth as per PAN in DD-MMM-YYYY format (eg. 28-feb-1996) 27-Dec-2000 Your mobile number is XXXXXXXXX. Please confirm if the same number can be used for KYC submission No Yes Yes please enter your email (preferably as per Aadhaar) : a CY) CAMSKRA KYC Services. 33
Slide 105: On-Tap KYC chat screen
€ @ cams exye : CAMSKRA KYC Services. Please enter your date of birth as per PAN in DD-MMM-YYYY format (eg. 28-Feb-1996) 27-Dec-2000 Your mobile number is XXXXXXXXX. Please confirm if the same number can be used for KYC submission No Yes Yes please enter your email (preferably as per Aadhaar) dhanan
Slide 106: On-Tap KYC chat screen
€ @ cams exye : CAMSKRA KYC Services. Please enter your date of birth as per PAN in DD-MMM-YYYY format (eg. 28-Feb-1996) 27-Dec-2000 Your mobile number is XXXXXXXXX. Please confirm if the same number can be used for KYC submission No Yes Yes please enter your email (preferably as per Aadhaar) dhanan
Slide 107: On-Tap KYC chat screen
€ @ cams exye : CAMSKRA KYC Services. Your mobile number is XXXXXXXXX. Please confirm if the same number can be used for KYC submission No Yes Yes please enter your email (preferably as per Aadhaar) dhananjay_12@gmail.com OTP has been sent to your email address. Please enter OTP to verify your email
Slide 108: On-Tap KYC chat screen
€ @ cams exye : CAMSKRA KYC Services. No Yes Yes please enter your email (preferably as per Aadhaar) dhananjay_12@gmail.com OTP has been sent to your email address. Please enter OTP to verify your email address. 456789 Select country of birth below India ‘= Other country 42
Slide 109: On-Tap KYC chat screen
€ @ cams exye : CAMSKRA KYC Services. please enter your email (preferably as per Aadhaar) dhananjay_12@gmail.com OTP has been sent to your email address. Please enter OTP to verify your email address. 456789 Select country of birth below India ‘= Other country India 43
Slide 110: Other FATCA details
CAMSKRA KYC Services. Other FATCA details Enter your place of birth Chennai Poilticaly expose Yes No fos annual income Less than 5 Lakhs 5-10 Lakhs 10 - 25 Lakhs More than 25 Lakhs Your net worth 1,20,00,000 Net worth as on 20-Aug-2024 infirm
Slide 111: On-Tap KYC chat screen
€ @ cams exye : CAMSKRA KYC Services. please enter your email (preferably as per Aadhaar) dhananjay_12@gmail.com OTP has been sent to your email address. Please enter OTP to verify your email address. 456789 Select country of birth below India ‘= Other country India 45
Slide 112: On-Tap KYC chat screen
€ @ cams exye : CAMSKRA KYC Services. dhananjay_12@gmail.com OTP has been sent to your email address. Please enter OTP to verify your email address. 456789 Select country of birth below India = Other country India Are you a tax resident of any country other than India? No Yes 46
Slide 113: On-Tap KYC chat screen
€ @ cams exye : CAMSKRA KYC Services. OTP has been sent to your email address. Please enter OTP to verify your email address. 456789 Select country of birth below India ‘= Other country India Are you a tax resident of any country other than India? No Yes No 47
Slide 114: Other details
CAMSKRA KYC Services. Other details Marital status Single Married Others Private sector Business Public sector Others Relation's title Father | Spouse Relation’ name Krishnamoorthy Male Female Others Individual 48
Slide 115: Bank details
CAMSKRA KYC Services. Bank details Account number 1000230007358 Enter IFSC HDFCO000012 Account holder name Dhananjay ‘Your data will be used for account verification and 6 ‘months statements for F&O account opening. Verify with CAMSfinserv O Your data will be end-to-end encrypted 49
Slide 116: Microsoft (Office)
6 Microsoft 365 (Office) Open POF @ Edge CAMSKRA KYC Services. 50
Slide 117: Securely connecting with CAMSfinserv
a ce € yourlogo CA M S KRA KYC Services. > im Securely connecting with CAMSfinserv for fetching your data Powered by RBI regulated Account Aggreg CAMSfinsew 51
Slide 118: Verify your mobile number
iD € yourlogo Verify your mobile number You will receive a 6-digit code on your phone number +91 9570033052 from CAMSfinserv Didn't receive it? Resend in 15 Powered by RBI regulated Account Aggregator CAMSfinsew CAMSKRA KYC Services. ay)
Slide 119: We found your accounts
iD yourlogo x We found your accounts Select and confirm the accounts you want to connect! HDFC Bank Found 1 account to link Savings account * 2791 G G Sconsentio ure ny banking information with *F1U Namet Link & Submit Powered by RBI regulated Account Aggregator CAMSfinsew CAMSKRA KYC Services. =e)
Slide 120: Link accounts
Link accounts You will receive a 6-digit code on your phone number +91 9570033052 from HDFC Bank 6 5 4 3 2 1 Didn't receive it? Resend in 15 ' ra 3 ch a S vans id wo ie) @ CAMSKRA KYC Services.
Slide 121: Account verified successfully
a oe yourlogo ° ° Account has been verified successfully! You are redirecting to DigiLocker to verify your identity. CAMSKRA KYC Services. 2)
Slide 122: DigiLocker
@ hups://www.DigiLocker.com QO: & Ay DigiLocker
Slide 123: DigiLocker
@ hups://www.DigiLocker.com QO: 8 Ay DigiLocker Digital Document Wallet from Government of India
Slide 124: DigiLocker
3:33 @ https://www.DigiLocker.com me va CAMSKRA KYC Services. 58
Slide 125: DigiLocker
3:33 va © @ https://www.DigiLocker.com _ CAMSKRA KYC Services. 59
Slide 126: 60
60
Slide 127: 61
61
Slide 128: Gearing up to consistently deliver stellar performance
GEARING UP TO CONSISTENTLY DELIVER STELLAR PERFORMANCE THE ASPIRATION 50 Cr. in FY 25 2X by FY 28 50 Cr. (Rev in Cr.) FY 21 FY 22 FY 23 FY 24 FY 25 62
Slide 129: Thank You
KYC Services CAMSKRA
Slide 130: Transforming the Insurance Experience
TRANSFORMING THE INSURANCE EXPERIENCE 1
Slide 131: 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 ❑ T
Slide 132: Contents
CONTENTS 1. CAMS Rep Business Offerings 2. Insurance Industry Outlook 3. Regulatory Environment 4. Bima Central MMP 5. Industry Collaboration & New Use Cases 6. Bima Central: Outlook
Slide 133: 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 channels them to maintain their insurance portfolio in and processing capability to insurers. digital (demat) form. 49 We work with 49 insurers
Slide 134: 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 135: IR opportunity - expanding policyholder servicing
IR OPPORTUNITY – EXPANDING THE POLICY HOLDER SERVICING OPPORTUNITY Opportunity User Base Transaction Base 100-150 Cr 16 Cr 5-25 Cr 7 Cr 3 Cr Annual One Time Revenue potential 16 Cr. policy base is 5 Cr. is one-time Basic Service Premium Service between annual base, which policy base for Transactions
Slide 136: Regulatory tailwinds
REGULATORY TAILWINDS Customer Centric Regulatory Push ❑ Enforcing KYC ❑ Digital Issuance ❑ Mandating Improved service delivery ❑ Integrated claims journey Aggregated Insurance Ecosystems ❑ Standardization of service & data exchange IR Platform protocols across industry 7
Slide 137: CAMSRep IR proposition
CAMSRep IR proposition The first ever insurance benefit realization platform MMP Launched in April’24 8
Slide 138: Organic take up of Bima Central services
ORGANIC TAKE UP OF BIMA CENTRAL SERVICES Realtime online eIA account 2,50,000+ creation Unique Users since Launch Integrated KYC Policy servicing (through Aadhar, 50,000+ via direct insurer integration PAN, Driving License) App Downloads Bima Central Services 1,50,000+ Transactions AI enabled OCR Ba
Slide 139: Industry impact - Bima Central
INDUSTRY IMPACT – BIMA CENTRAL VIEWED AS PART OF CUSTOMER EXPERIENCE STRATEGY Wider acceptance of eIA and digital 75 Lakh 90 Lakh eIA base from 50 policy base from policy. lacs last year. 60 lacs last year. Grown 50% Grown >50% Increased participation by 49/55 Insurers insurers on IR Converting poli
Slide 140: Future
Future … 11
Slide 141: New use cases - app-in-app
NEW USE CASES – “APP-IN-APP” A pioneering customer journey of ‘Service Augmentation’ on the insurer digital interfaces Bima Central enables Insurers to service customers portfolios in their own environment, Thus ❑ Delivering A Personalized Customer Experience ❑ While Protecting Customer Data Securit
Slide 142: New use cases - loan against digital policy
NEW USE CASES – LOAN AGAINST DIGITAL POLICY – ENABLING THE LIQUIDITY FROM THE DIGITAL POLICY ❑ Designed and operationalized the process of loan against digital (dematerialized) policy ❑ Bringing all stakeholders on the same platform making a seamless customer journey. ❑ Hence, opening the untapped a
Slide 143: Bima Central outlook
BIMA CENTRAL OUTLOOK Data ❑ e-KYC Sources ❑ I-Trex ❑ SBI gen ❑ ICICI Pru Insurer ❑ SUD Life Payment Gateway ❑ RazorPay ❑ CAMS Pay 2X 3X 10X Policy Base Interactions ❑ Bima Pay Financier ❑ Bajaj Finance ❑ Insurance InsurTec Samadhan ❑ Digital Channels ❑ Call Center ❑ Branches 14 ❑ “Feet on Street”
Slide 144: Thank You
THANK YOU 15
Slide 145: Why us? Uniquely positioned
WHY US? – WE ARE UNIQUELY POSITIONED CAMS Regulatory Edge Tailwinds ❑ Industry scale platforms ❑ Push towards digital ❑ Tech capability ❑ Expense of management ❑ Focus on customer service ❑ Composite license ❑ Equal treatment of all stakeholders 16
Slide 146: First policyholder servicing platform
ESTABLISHING THE FIRST EVER POLICYHOLDER SERVICING PLATFORM OFFERING WINNING SOLUTIONS TO BOTH INSURER & 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 policyh
Slide 147: Building for a Billion Indians
Account Aggregator BUILDING FOR A BILLION INDIANS 1
Slide 148: Use cases for financial data aggregation
1.5 BN USE CASES FOR FINANCIAL DATA AGGREGATION OR ANALYSIS A YEAR MARKET PENETRATION STILL IN SINGLE DIGITS Use Case Projection (# in Mn) FY’25 FY’26 Credit Underwriting 291 315 Segment Credit Monitoring 315 346 Expansion KYC 862 957 Capital Market Use cases Life Insurance U/W 4 4 Insurance renewal
Slide 149: Cumulative count of data delivered
CUMULATIVE COUNT OF DATA DELIVERED – CROSSED 100 MN 212 Cr. 106.23 Mn. 17.06% Monthly Industry Financial Accounts (including 164 Cr. bank successful Growth Rate in cumulative accounts) have the facility Cumulative consent-based successful consents of AA data sharing transactions 11.0% 10.6% 10.0% 9.
Slide 150: CAMSfinserv monthly market share
CAMSFINSERV MONTHLY MARKET SHARE – <1% TO 17.5% IN 16 MONTHS 8.7 17.5% 8.2 8.1 15.7% 7.6 7.8 8.8 13.3% 8.3 15.7% 12.0% 12.3% 11.8% (Consents in Mn.) 5.9 11.6% 5.3 10.4% 9.6% 4.6 8.8% 4.3 4.3 8.1% 3.2 6.7% 2.8 1.9 1.6 2.2% 1% 1% Apr'23 May'23 Jun'23 Jul'23 Aug'23 Sep'23 Oct'23 Nov'23 Dec'23 Jan'24 Fe
Slide 151: Use cases growing beyond lending
USE CASES GROWING BEYOND LENDING – CAPITAL MARKET CONTRIBUTION AT 25% 1% Lending Capital Insurance / Market Pension ❑ Underwrite personal ❑ Demat account opening ❑ Pension account loan, home loan, auto ❑ Bank account verification opening 25% loan, MSME loan, ❑ Income ❑ Personal financial education l
Slide 152: Key indicators have ramped up strongly
KEY INDICATORS HAVE RAMPED UP STRONGLY – RESPONSIBLE FOR GROWTH IN MARKET SHARE Successful Consents 14,00,000 11,73,365 12,00,000 10,00,000 8,00,000 6,00,000 3,79,709 4,00,000 2,00,000 Successful Data Deliveries 0 Sep'23 Aug'24 50,00,000 42,24,584 40,00,000 30,00,000 20,00,000 10,00,000 3,87,106 0 S
Slide 153: Leader in driving F&O account opening
CAMSFINSERV CONTINUES TO BE UNDISPUTED LEADER IN DRIVING F&O ACCOUNT OPENING RIAs and Stock Brokers: May'24 vs. June'24 RIAs maintaining higher volume of consents, significant presence and steady growth of 17% per month in last year Consents fulfilled (in Lakh) 1,04,00,000 Stockbrokers, starting fro
Slide 154: Product / technology update - roadmap
PRODUCT / TECHNOLOGY UPDATE – ROADMAP Key strengths ❑ Fastest APIs with lowest latency ❑ Integration with highest number of FIPs (excluding RRBs) ❑ Most secure AA platform (Bitsight score of 800) Differentiators ❑ Co-development model with FIUs; front end journey customisable at FIU level ❑ Self-onb
Slide 155: AA+TSP business gaining momentum
AA+TSP BUSINESS IS GAINING MOMENTUM WITH EXPANDED OUTREACH AND SUPERIOR PRODUCT POSITIONING ❑ Operating Licensee – 15 ❑ In principal Approval – 3 Business ❑ No of FIPs Live – 152 Landscape ❑ No of FIUs Live – 482 FIPs – 93 FIUs FIUs availing Use Cases No 3 position as AA Banks – 27 +2 Signed up AA+T
Slide 156: Transformation to a complete financial market player
LEADING TRANSFORMATION OF CAMS FROM A CAPITAL MARKET CENTRIC PLAYER TO A COMPLETE FINANCIAL MARKET’S PLAYER! Top FIUs Working with CAMSfinserv 10
Slide 157: Dreaming bigger - FY28
DREAMING BIGGER – FY28 1 MN A DAY P U L L S A N D A N A LY S I S DO IT TWO YEARS EARLIER IN FY’26 Growth Engines (use cases) ❑ F&O onboarding ❑ Loan origination ❑ General insurance ❑ Bank account ❑ Loan monitoring monitoring verification / KYC ❑ KMP Front Running ❑ Personal finance ❑ Pre-Approved Lo
Slide 158: Thank You
THANK YOU 12
Slide 159: Think360.AI
Think360.AI 1
Slide 160: Offerings focused on credit and banking lifecycle
OUR OFFERINGS ARE FOCUSED ON CREDIT AND BANKING LIFECYCLE We solve for multiple credit life-cycle use cases … … through our products and services API based KYC stack and video KYC Mobile device-based alternate data enrichment and risk score Bank statement analyzer based on Account Aggregator and PDF
Slide 161: Newer offerings in lending industry
NEWER OFFERINGS AND ENHANCEMENTS IN LENDING INDUSTRY ❑ Product of choice for VideoKYC across banking industry – largest banks like Bank Of Baroda, Canara Bank and Central Bank; as well as tech adopters like Bajaj and RBL ❑ New journeys created for non-lending products like FD, RD, Jeevan Praman, etc
Slide 162: Expanding Think360 strengths to other industries
EXPANDING THINK360’S TRADITIONAL STRENGTHS IN BANKING TO OTHER INDUSTRIES WITH CAMS GROUP COMPANIES Closely integrated as embedded TSP Working with MF-RTA business to build MFDEx Plus for AMCs Creating leading on-boarding and KYC solution for insurance industry Integrating for NPS’ digital Enhance c
Slide 163: MFDEx + Think360 = Affluence 360
MFDEX + THINK360 = AFFLUENCE 360 Affluence Identify 360 helps micro- understand markets the tactical where you distribution have no of wealth in current the country footprint Understand the nature Understand of where you are competition vis-à-vis your in tactical competition, markets to and your own
Slide 164: CKYC management automation with AI
CAMSREP, CAMSKRA+ THINK360 – CKYC MANAGEMENT AUTOMATION WITH AI ❑ Launched an AI led Managed CKYC Solution for Insurance companies in partnership with CAMSRep ❑ Vehicle and Ownership Details API for asset verification ❑ Low-Code Journey Designer Console for Compliant Customer Onboarding 6
Slide 165: CAMSfinserv + Think360 = NewCAAS
CAMSFINSERV (AA) + THINK360 (AAMAZE) → NEWCAAS NewCAAS – Industry first Account Aggregator powered multi-financial-asset consolidated account statement, insights and PFM engine ❑ Reporting across Savings Banks, Mutual Funds, Equities, NPS and more ❑ A true 360-degree view of the customer across asse
Slide 166: Thank You
THANK YOU 8
Computer Age Management Services — Investor Day (September 2024) on 6ix