Radiant Cash Management Services Limited

rs,

(E), Mumbai - 400 051 To Department of Corporate Services, BSE Limited Phiroze Jeejeebhoy Towers, Dalal Street, Mumbai - 400 001 Scrip Code: 543732, Scrip Symbol: RADIANTCMS ISIN: INE855R01021

29.7%

ticals and end-user industries pe “2 SS =f £2 wee 4 éLsl & Gi we WZ BFS| 29.7% Organized Retail 14.7% E-Commerce 14.4% E-Com Logistics 9.1% Railways 4.1% Petroleum

14.7%

ries pe “2 SS =f £2 wee 4 éLsl & Gi we WZ BFS| 29.7% Organized Retail 14.7% E-Commerce 14.4% E-Com Logistics 9.1% Railways 4.1% Petroleum 2.4% Others 25.6% |

14.4%

=f £2 wee 4 éLsl & Gi we WZ BFS| 29.7% Organized Retail 14.7% E-Commerce 14.4% E-Com Logistics 9.1% Railways 4.1% Petroleum 2.4% Others 25.6% | Hire through Banks

9.1%

l & Gi we WZ BFS| 29.7% Organized Retail 14.7% E-Commerce 14.4% E-Com Logistics 9.1% Railways 4.1% Petroleum 2.4% Others 25.6% | Hire through Banks / Avail Services Radi

4.1%

WZ BFS| 29.7% Organized Retail 14.7% E-Commerce 14.4% E-Com Logistics 9.1% Railways 4.1% Petroleum 2.4% Others 25.6% | Hire through Banks / Avail Services Radiant Cash Manageme

2.4%

Organized Retail 14.7% E-Commerce 14.4% E-Com Logistics 9.1% Railways 4.1% Petroleum 2.4% Others 25.6% | Hire through Banks / Avail Services Radiant Cash Management Services | P

rs 25.6

Retail 14.7% E-Commerce 14.4% E-Com Logistics 9.1% Railways 4.1% Petroleum 2.4% Others 25.6% | Hire through Banks / Avail Services Radiant Cash Management Services | Providing | 6

68.8%

6% | Hire through Banks / Avail Services Radiant Cash Management Services | Providing | 68.8% y 18.3% | 4.9% | 5.6% Vv. 2.4% | Network Cash - . Cash Pick Up & Delivery . C

18.3%

e through Banks / Avail Services Radiant Cash Management Services | Providing | 68.8% y 18.3% | 4.9% | 5.6% Vv. 2.4% | Network Cash - . Cash Pick Up & Delivery . Collects/deli

4.9%

Banks / Avail Services Radiant Cash Management Services | Providing | 68.8% y 18.3% | 4.9% | 5.6% Vv. 2.4% | Network Cash - . Cash Pick Up & Delivery . Collects/delivers cas

5.6%

vail Services Radiant Cash Management Services | Providing | 68.8% y 18.3% | 4.9% | 5.6% Vv. 2.4% | Network Cash - . Cash Pick Up & Delivery . Collects/delivers cash on beha

Corporate Office

1

Key drivers likely to aid the growth include

1

Adjustments

1

Corporate Office

‘Radiant Building’, No. 4/3, Raju Nagar, Ist Street, Okkiyam Thoraipakkam, OMR, Chennai - 600 096. Tel. : 044-49044904 « Fax : 044-48523448 e E-mail : contact@radiantcashservices.com e Web : www.radiantcashservices.com Radiant Cash Management Services Limited Investor Presentation Q3FY23 Results Disclaimer This Release / Communication, except for the historical information, may contain statements, including the words or phrases such as ‘expects, anticipates, intends, will, would, undertakes, aims, estimates, contemplates, seeks to, objective, goal, projects, should’ and similar expressions or variations of these expressions or negatives of these terms indicating future performance or results, financial or otherwise, which are forward looking statements. These forward looking statements are based on certain expectations, assumptions, anticipated developments and other factors which are not limited to, risk and uncertainties regarding fluctuations in earnings, market growth, intense comp

Key drivers likely to aid the growth include

Growth of CIC Organized Retail Demonstrated Efficiency Cash-on-Delivery Regardless of digital payments, growth in CIC is expected to map long-term nominal GDP growth Growth in organized retail (at 20% annual rate) and large volumes of cash transactions in various sectors Improved cost and operational efficiencies lead to out-sourcing of cash management to private RCM players Higher rates of COD orders through e- commerce especially in tier 2 and tier 3 cities (90% are COD orders) 9 I I Even at FY21 levels, only 3% (0.11 mn out of 3.01 mn) retail touch points are outsourcing Cash Management 1 services; with the potential for existing established players to tap ~ 97% of the retail touch points Key trends that drive the adoption of outsourced Retail Cash Management services include Outsourcing of RCM Services Indian Scenario 3mn+ addressable retail touch points Only 15% in the organized sector 24% organized retailers use cash management services 35% of retail market is organized 67% of th

Adjustments

Depreciation and Amortization expenses Provision for Gratuity Provision for Bad & Doubtful Debts Dividend Income Interest income Profit on sale of mutual funds Profit on sale of fixed assets Interest Expense Operating Cash Flow before Working Capital Changes Changes in Decrease/(Increase} In Trade Receivables Decrease/(Increase} In Other Current Financial Asset(s) Decrease/(Increase} In Other Current Asset(s) Decrease/(Increase) In Other Non-Current Financial Assets Decrease/(Increase} In Other Non-Current Asset (Decrease)/Increase In Trade Payables Current (Decrease}/Increase In Other Current Liabilities (Decrease}/Increase In Other Financial Liabilities 32.93) 12.00 2.85 (6.50) (1.86) 5.67 681.71 (1.92) (65.21) (29.65) (22.19) 9.41 21.58 897.55 9.87 37.59 9.60 0.20 27.39 2.30 (6.41) (2.75) (6.58) (11.29) (0.08) 21.08 582.39 (84.68) (59.34) 12.20 8.14 (16.52) 3.65 18.34 19.79 479.47 (157.72) 47.90 (10.72) (25.11) 17.26 12.30 (4.34) (0.62) (82.04) 276.38 24.09 3.97 (3.83) (11.18) (11.1