CAMS

10th February 2022 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: Presentation of the Standalone and Consolidated Financial Data for the quarter ended December 31, 2021 Please find enclosed presentation of the Standalone and Consolidated Financial Data for the quarter ended December 31, 2021 The Company has scheduled an Earnings call on February 11, 2022 at 11.00 AM IST. During this call, the Management will discuss the company’s Q3 FY21-22 financial performance for the quarter ended December 31, 2021. The details of the said earnings conference call has already been filed with the Exchanges and are available on the website of the Company. We request you to kindly take the same on record. Thanking you, Yours faithfully, For Computer Age Management Services Limited G Manikandan Company Secretary and Compliance Officer COMPUTER AGE MANAGEMENT SERVICES LIMITED Investor Presentation February 2022 Safe Harbour Statement This Presentation, 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 like risk and uncertainties regarding market growth, competition, ability to maintain and manage key customer relationship and those factors which may affect our ability to implement business strategies successfully. The Company, therefore, cannot guarantee that the forward-looking statements made herein shall be realized. The Company does not undertake any obligation to update forward looking statements that may be made from time to time by or on behalf of the Company to reflect the events or circumstances after the date hereof. 2 Anuj Kumar Managing Director Ram Charan Sesharaman Chief Financial Officer FY22 Q3 Earnings Presentation Presentation flow Business Overview Financials About CAMS Appendix Financials Highlights Business at a Glance Corporate Structure Business Highlights Page No:16-19 Page No:24 Page No:35 Page No:06 Consolidated Statements Mutual Fund Services Business Milestones AAuMQ3 FY22 –MF industry & CAMS Page No:20 Page No:25-28 Page No:36 Page No:11 Standalone statements Non-Mutual Fund Services Business Awards & Accolades Operational Metrics Q2 FY22 Page No:21 Page No:29-30 Page No:37 Page No:12 Revenue Profile Governance/ Management Team Shareholding Page No:22 Page No: 31-33 Page No:38 Glossary Page No:39 4 Business Highlights The third quarter was marked by historic highs across Transaction volumes & AUM 01 • AuMof CAMS serviced fundsat historical high of Rs.26.7lakh Cr • Lifetime high in Transactions – 110.6 Mn. Trxns compared to 102.5 Mn in previous Quarter • New SIP registrations – Momentum continued to clock 43 Lakh new registrations in the current quarter • SIP book grew by 9% in the current quarter owing to reduction in SIP cancellations • CAMS serviced funds saw 8.3% increase in equity AAUM in comparison to the previous quarter CAMS digital properties stride to new highs 02 • CAMS digital properties service an aggregate AUM of Rs. 7.9 lakh crore • CAMS website serviced 11 Lakh visitors each month on an average in Q3FY22 • myCAMS investor app - A million users logged in every month during the quarter, and October 2021 recorded 10 million user sessions making it the most investor preferred app for MF transactions • MFCentral– A unified investor portal developed jointly by CAMS and the other RTA, went live in September 2021 with over 1.25 Lakh registrations in the first quarter since its launch. Mobile app launched in December 2021 6 Business Highlights • 11 new signups in the AIF / PMS • CAMS CRA platform space in Q3 development is progressing well • CAMS WealthServ – AIF / PMS and on track for Q4 FY22 launch onboarding platform is gaining traction with 6 new sign ups in Q3 CAMS AIF/PMS CRA CAMS CRA BEYOND MUTUAL FUNDS • Account Aggregator platform is live with Top Banks • CAMS commenced operations in gift city in Q3 CAMS • TSP solution (executed by Sterling Software • 2 new clients have been signed up during the GIFT CITY FINSERV – CAMS group company) to integrate FIUs quarter has been received well; 10 new sign ups across TSP and AA in Q3 • Market getting competitive with entry of new aspirants and licensees 7 Account Aggregator business is gaining momentum coupled with a compelling TSP offering and new sign ups CAMSfinserv enables rapid, secure and consent-based sharing of financial asset information • For individuals - AA framework enables them to access and review their financial information in one place • For Financial institutions and businesses - AA Framework brings together Financial information providers and financial information users to unlock the value of customers financial information Advent, IDFC, Federal Bank, KVB, TSP and AA together 8 Entities now live 10 new wins in Q3 creating a compelling and AU Small finance bank and in AA Ecosystem proposition few others Android app launched via regulators, PSU banks and and is the highest Government push CAMS FinservMobile app media downloaded AA app, iOS app coming soon All AAs working together to refine Industry thinking creatively to APIs and Use cases solve problems FIU Segments are warming up to the AA Framework Banks NBFCs Brokerages Insurance Wealth Mgmt. Lending & Monitoring Lending & Monitoring F & O a/c opening Term Insurance Portfolio Mgmt. 8 NPS Central Record Keeping Agency development progressing well for a Q4FY22 launch • Certificate of Registration for Central Record Keeping Agency for NPS received from PFRDA in Q4 FY21. Go live planned in Q4 FY22 • CAMS CRA appointed to broad base the services for NPS subscribers, currently served by two CRAs viz. NSDL CRA and KFintech CRA • Platform based B2B services for PoPs (Points of Presence Service Providers) and Direct to Subscriber services NPS subscriber base growing 12% annually 140 120 26.95 Engagement with ecosystem CAMS CRA is the first approved 100 21.07 entities Including PoPs, PFMs, entity in the NPS ecosystem for 16.47 15.42 12.52 13.17 ASPs & CRAs progressing well to hosting the CRA application and 80 11.25 9.74 get full view of the NPS service data on Cloud 60 design and pain points 40 78.89 85.10 68.56 73.16 20 0 6% FY20 FY21 FY22* FY23* Government Corporate Sector All Citizen Platform design & development CRAs revenue basis current progressing for Q4FY22 launch subscriber base & fee structure *Projections basis past 7 years CAGR ~Rs.170 crores CAMS CRA will focus on All Citizens Segment in Phase 1 followed by Govt and corporate sector 9 MF Central – Conceptualised to be a unified universal platform for all MF services … … Positioning MF Industry as the most investor-friendly in the BFSI segment A collaborative initiative between CAMS and the other RTA with approval from SEBI A new world of possibilities Exciting Journey to manage your Mutual Fund portfolio • Encouraging response from investors – over 1.25 Lakh registrations since launch Convenience Easy Access Comprehensive Safe ZERO ONE ALL HIGHLY • User friendly Mobile app launched and available in Hassles to All Mutual Funds Secure both Google play and Apple store Benefits to MF Eco system • Digital 360-degree access to investor lifecycle engagement • One stop shop to execute Financial & Non-Financial Transactions ,track status, Real-time Portfolio view (including MF Demat Holdings) • Single platform to track Complaints/Grievances, raised with What next? any MFs or SEBI • An alternative platform for the Distributors and RIAs to • Enabling Financial Tractions by Q4 FY22 for existing investors execute MF transactions to service their investors • Access to New Investors to transact on MF Central platform • APIs to power the ecosystem participants (MFDs, RIAs, etc.) by Q4 FY22 10 Mutual Fund Industry & CAMS AAUM – Q3 FY22 CAMS- Market Share (based on Quarterly AAuM) AAuM Serviced by CAMS Industry AAuM ~70% 26.7 38.2 Rs. trillion Rs. trillion 28.4% YoY 28.6% YoY Net flows into equity assets remain 4.5% QoQ 5.5% QoQ positive in Q3 FY22 Equity AAUM - CAMS Equity AAUM - Industry Inflows through SIP increased by 9% 10.9 16.9 QoQ Rs. trillion Rs. trillion Growth in total AAuM mainly 54.9% YoY 49.8% YoY driven by equity assets 8.3% QoQ 10.3% QoQ 11 Operational Metrics – Q3 FY22 SIP Book Systematic Transactions Transaction Volume 28.1 mn Processed 110.6 mn (as on 31st, Dec 21) 83.5 mn QoQ : 8% QoQ : 9% QoQ : 9% YoY: 35% YoY: 38% YoY: 43% Live Investor Folios Unique Investors Serviced 49.2 mn 21.6 mn (as on 31st, Dec 21) (as on 31st, Dec 21) QoQ : 5% QoQ: 18% YoY: 23% YoY: 33% 12 Mutual Fund Industry & CAMS AAUM – 9M FY22 CAMS- Market Share (based on Quarterly AAuM) AAuM Serviced by CAMS Industry AAuM 25.1 35.9 ~70% Rs. trillion Rs. trillion Net flows into equity 30.7% YoY 31.3% YoY assets remain positive Equity AAUM - CAMS Equity AAUM - Industry Inflows through SIP increased by 25% 9.8 15.2 Rs. trillion Rs. trillion YoY Growth in total AAuM mainly 51.7% YoY 49.0% YoY driven by equity assets 13 Operational Metrics – 9M FY22 SIP Book Systematic Transactions Transaction Volume 28.1 mn Processed 300.6 mn (as on 31st, Dec 21) 224.8 mn YoY: 27% YoY:38% YoY: 28% Live Investor Folios Unique Investors Serviced 49.2 mn 21.6 mn (as on 31st, Dec 21) (as on 31st, Dec 21) YoY: 23% YoY: 33% 14 Revenue Highlights – Q3FY22 27.8% YoY Revenue ₹23,771.2 Lakh 4.4% QoQ Asset 26.5% YoY Non-Asset 32.2% YoY 32.3% YoY Non-MF Based Based Revenue 3.4% QoQ 12.2% QoQ 1.3% QoQ Revenue Revenue Asset Mix Equity component : Q3FY22 @41% (Q3FY21 : @34% / Q2FY22 : @39%) 16 Financial Highlights – Q3FY22 Operating EBITDA - 45.2%# PBT – 42.3% PAT – 32.0% Return on Net-Worth* 10,748 10,225 7,731 9,984 9,647 7,256 50.0% 7,621 7,559 5,642 Q3FY21 Q2FY22 Q3FY22 Q3FY21 Q2FY22 Q3FY22 Q3FY21 Q2FY22 Q3FY22 ** Cash & Cash Equivalent as on 31st December 2021: Rs.418 Cr 41.0% YoY 35.3% YoY 37.0% YoY 7.6% QoQ 6.0% QoQ 6.6% QoQ 3rd Interim Dividend Rs.10.75 Per share • Return on Net-worth –PAT(annualized)/Period end Net-worth | ** Includes Bank balances, Fixed deposit , Govt Bond & Investment in MF / Excludes money held in trust (ECS, NPS & Stamp duty collection a/c & Money in unpaid dividend a/c.) | # 47.7% considering Ind AS 116 lease capitalisation 17 Financial Highlights – 9MFY22 Operating EBITDA44.2%# PBT – 41.8% PAT – 31.4% Return on Net-Worth* 29,444 28,371 21,311 46.0% 18,914 19,359 14,516 9M FY21 Q3FY22 9M FY21 9M FY22 9M FY21 9M FY22 55.7% YoY 46.6% YoY 46.8% YoY * Return on Net-worth –PAT(annualized)/Period end Net-worth | # -46.8% considering Ind AS 116 lease capitalisation 18 Consolidated Financial Highlights – Quarterly In INR Lakhs In INR Lakhs Total Operating Revenue OP.EBITDA & OP. EBITDA in % +27.8% 25,500 0.2 +41.0% 12,000 90.0% 23,500 80.0% 21,500 0.1 10,000 70.0% 19,500 17,500 0 8,000 39.7% 41.0% 41.8% 43.3% 43.9% 45.2% 60.0% 30.2% 50.0% 15,500 -0.1 6,000 40.0% 13,500 -0.2 4,000 30.0% 11,500 9,500 20.0% 14,863 17,114 18,595 19,977 20,118 22,760 23,771 -0.3 2,000 4,492 6,801 7,621 8,356 8,712 9,984 10,748 7,500 10.0% 5,500 -0.4 0 0.0% FY21 Q1 Q2 Q3 Q4 FY 22 Q1 Q2 Q3 FY21 Q1 Q2 Q3 Q4 FY 22 Q1 Q2 Q3 Total Revenue OP.EBITDA OP.EBIDA in (%) PBT & PBT in % In INR Lakhs In INR Lakhs PAT & PAT in % 12,000 +35.3% 90.0% +37.0% 9,000 80.0% 80.0% 10,000 8,000 70.0% 70.0% 7,000 8,000 60.0% 60.0% 39.7% 41.3% 41.6% 42.3% 6,000 37.5% 39.3% 50.0% 50.0% 6,000 31.9% 40.0% 5,000 24.4% 27.8% 29.3% 29.5% 30.7% 31.3% 32.0% 40.0% 4,000 4,000 30.0% 30.0% 3,000 20.0% 20.0% 2,000 2,000 5,190 6,610 7,559 8,087 8,499 9,647 10,225 10.0% 1,000 3,980 4,895 5,642 6,013 6,324 7,256 7,731 10.0% 0 0.0% 0 0.0% FY21 Q1 Q2 Q3 Q4 FY22 Q1 Q2 Q3 FY21 Q1 Q2 Q3 Q4 FY 22 Q1 Q2 Q3 PAT PAT in (%) PBT PBT in (%) 19 Q3 & 9M Standalone P&L Particulars (In Rs Lakhs) Q3 FY22 Q3 FY21 YoY% Q2 FY22 QoQ% 9M FY22 9M FY21 YoY % FY21 Revenue from operations 22,661.00 17,957.33 26.2% 21,572.86 5.0% 63,362.71 48,456.50 30.8% 67,375.26 Other income 314.63 3,017.92 -89.6% 303.85 3.5% 3,668.57 5,530.75 -33.7% 5,860.40 Total revenue 22,975.63 20,975.25 9.5% 21,876.71 5.0% 67,031.28 53,987.25 24.2% 73,235.66 Expenses Employee benefits expense 7,016.54 5,335.33 31.5% 6,886.88 1.9% 19,958.32 15,772.47 26.5% 21,706.04 Finance costs 167.23 170.26 -1.8% 164.93 1.4% 499.27 545.83 -8.5% 706.39 Depreciation and amortisation expense 1,239.34 981.46 26.3% 1,094.79 13.2% 3,305.65 2,973.35 11.2% 3,938.86 Operating expenses 3,420.34 3,761.69 -9.1% 3,369.65 1.5% 9,893.66 9,324.13 6.1% 12,578.30 Other expenses 1,634.43 1,664.87 -1.8% 1,691.57 -3.4% 4,872.08 4,511.57 8.0% 6,305.51 Total expenses 13,477.88 11,913.61 13.1% 13,207.82 2.0% 38,528.98 33,127.35 16.3% 45,235.11 Profit before tax 9,497.75 9,061.64 4.8% 8,668.89 9.6% 28,502.30 20,859.90 36.6% 28,000.55 Tax expense Current tax 2,407.40 1,417.94 2,311.73 6,679.84 4,278.82 6,309.62 Current tax expense of earlier years (134.80) - (55.50) (190.30) - - Deferred tax 10.34 213.49 (111.58) (118.66) 2.73 (206.35) Net tax expense 2,282.94 1,631.44 39.9% 2,144.65 6.4% 6,370.88 4,281.56 48.8% 6,103.27 Profit / (Loss) for the period 7,214.81 7,430.21 -2.9% 6,524.24 10.6% 22,131.42 16,578.34 33.5% 21,897.28 PAT Margin (%) Earnings per share (In ₹): Basic 14.76 15.23 13.36 45.31 33.99 44.89 Diluted 14.66 15.15 13.28 45.07 33.88 44.72 20 Q3 & 9M Consolidated P&L Particulars (In Rs Lakhs) Q3 FY22 Q3 FY21 YoY% Q2 FY22 QoQ% 9M FY22 9M FY21 YoY % FY21 Revenue from operations 23,771.17 18,595.34 27.8% 22,759.56 4.4% 66,648.36 50,572.31 31.8% 70,549.58 Other income 411.34 639.10 -35.6% 438.77 -6.3% 1,302.40 2,559.60 -49.1% 2,975.87 Total revenue 24,182.51 19,234.44 25.7% 23,198.33 4.2% 67,950.76 53,131.91 27.9% 73,525.45 Expenses Employee benefits expense 8,320.57 6,432.89 29.3% 8,091.01 2.8% 23,649.66 19,128.35 23.6% 26,236.20 Finance costs 177.28 185.78 -4.6% 176.71 0.3% 534.40 615.77 -13.2% 790.40 Deprecialion and amortisation expense 1,341.68 1,075.83 24.7% 1,189.76 12.8% 3,593.56 3,281.58 9.5% 4,341.32 Operating expenses 2,277.02 2,303.23 -1.1% 2,207.94 3.1% 6,402.45 5,688.64 12.5% 7,679.08 Other expenses 1,841.20 1,677.40 9.8% 1,885.98 -2.4% 5,399.92 5,058.64 6.7% 7,032.94 Total expenses 13,957.75 11,675.13 19.6% 13,551.40 3.0% 39,579.99 33,772.98 17.2% 46,079.94 Profit before tax 10,224.76 7,559.31 35.3% 9,646.93 6.0% 28,370.77 19,358.93 46.6% 27,445.51 Tax expense Current tax 2,546.69 1,661.66 2,641.00 7,370.81 4,855.29 7,439.68 Current tax expense of earlier years (134.80) (33.43) (55.50) (190.30) (33.43) (29.20) Deferred tax 81.72 289.27 (194.41) (120.87) 20.62 (494.10) Net tax expense 2,493.61 1,917.50 30.0% 2,391.09 4.3% 7,059.64 4,842.48 45.8% 6,916.37 Profit / (Loss) for the period 7,731.15 5,641.81 37.0% 7,255.84 6.6% 21,311.13 14,516.45 46.8% 20,529.13 PAT Margin (%) Earnings per share (In ₹): Basic 15.81 11.56 14.86 43.63 29.76 42.08 Diluted 15.71 11.50 14.77 43.40 29.66 41.93 21 Revenue Profile Revenue Breakup Revenue (In Rs. Lakhs) 70,550 100% +31.8% 9.8% 9.8% 9.6% 9.0% 9.7% 9.3% 13.3% 13.0% 14.1% 14.7% 14.1% 15.2% 66,648 50,572 +27.8% 76.9% 77.2% 76.3% 76.3% 76.2% 75.5% 22,760 23,771 +4.4% 18,595 31-Mar-21 31-Dec-20 31-Dec-21 31-Dec-20 30-Sep 21 31-Dec-21 31-Mar-21 31-Dec-20 31-Dec-21 31-Dec-20 30-Sep 21 31-Dec-21 Year ended 9 Month ended Quarter ended Year ended 9 Month ended Quarter ended MF-Assets Based MF-Non assets Based Non Mutual Fund 22 CAMS – Business at a glance Technology-driven India’s largest registrar and Services all top 5 MFs Leveraged domain financial infrastructure transfer agent (“RTA”) of and 10 of the 15 largest expertise, processes and and services provider to mutual funds (“MFs”) with an MFs2; ~19 years average infrastructure to cater to mutual funds and other aggregate market share of relationship with MFs, AIFs and insurance financial institutions ~70%1 10 largest MF clients companies Pan-India physical Established track record of Marquee shareholders, Experienced management network comprising delivering robust financial including Great Terrain (an team with average work 272 service centers results; Fastest growing affiliate of experience of over spread over 25 states and MF RTA with high RoE and Warburg Pincus), HDFC 27 years in a variety of 5 union territories EBITDA margins and HDFC Bank financial services sectors Notes: 1. Market share basis FY22 Q3 (3 Months Average) 2. Based on mutual fund average assets under management managed by clients and serviced by CAMS as per AMF 24 CAMS – Mutual Fund Services Business Provides a range of technology-enabled infrastructure to mutual funds – Involved through the life cycleof an account from account creation to processing transactions and redemption of the amount invested Uniform Regulatory change Best Practice Implementation Business-Continuity Mechanisms Service implementation Aggregator Manage High Volume Infrastructural Support Timely Operational Business Enabler of Data / Transactions Stability Launches of NFOs Integration Extensive Data on Actionable High Capability of Innovative Product Knowledge Partner Investor Preferences Insights Processing Expertise Development Service Requests Call Centre Mail back / Front Office Transaction Customer Care & Investor Services and Account Services SMS Services Services Processing Information Recording of Recording of Brokerage Distributor Distributor Services Empanelled Brokerage Computation Queries Distributors Structures Transaction Investor Risk Transfer Agency Services Operations Compliance Origination Services Management 25 CAMS – Proprietary technology platforms and mobile applications for MF, AIF and PMS CAMS has developed and implemented various technology platforms and its technology driven infrastructure and services are integral to the operations of its clients mfCRM edge360 Mobility solution for MF RMs/SMs App and Portal for MF distributors & advisors MFCentral MFDEx Unified portal to serve investors across the MF Sales & business intelligence tool industry CAMSsmart GoCORP INVESTRAK Business intelligence service Corporate investment portal CAMServ mfCompass Self-service chatbot for investors Allow MFs to sight funds real-time myCAMS mf360 B2C app 4.8 Mn registered users Proprietary investor service app Dice CAMS Wealthserv AMC interface for brokerage structure updation Digital onboarding of PMS investors 26 Mutual Fund Services provided by CAMS CAMS is involved through the life cycle of an account –from account creation to processing to redemption; Also provides statutory statements, transaction origination, operations, investor and distributor services, risk management services and compliance services 1 Transaction Origination and Processing Reconcile bank accounts; Accept transaction requests Initial verification of Management of KYC Transaction processing and Send transaction confirmation Compute and pay brokerage from investors (both paper- transaction request requirements of investors payment services to investors and distributors fees; Report effect on unit based and electronic) capital Front Office Back Office 2 Services to Asset Management Companies 3 Services to MF Investors 4 Services to Distributors Record keeping and management Anti-money laundering services Periodic statements and alerts Distributor help desk Reporting to govt. authorities Suspicious transaction reporting Assist with Queries / Service Requests Recording of distributors empanelled Compliance with KYC regulations Compliance with scheme document Mail management, mail back services Recording & maintenance of brokerage structures Compliance with SEBI regulations Management information reporting SMS / Online customer service Computation of various brokerage Setting up of accounts Fee computation and administration Call center to address queries Claw-back of brokerages On-boarding of intermediaries Push and pull services Addressing distributor queries 27 Key Highlights Large and Growing Scalable 1 4 Mutual Funds Market Technology Enabled Ecosystem Integrated Business Model & Longstanding Our Mission… Your Growth Strong Focus on Client Relationships in MF Services Business 2 5 Process and Risk Management Largest Infrastructure and Services Experienced Management 3 6 Provider in the Indian MF RTA space and Board 28 CAMS – Overview of other services Over the years, CAMS has leveraged its domain expertise, processes and infrastructure to diversify its service offering to cater to a variety of other financial services sectors ▪ Market leader servicing over 100 AIF / PMS Clients ▪ Offers services such as creation of investor record, fund accounting services and reconciliation and creation of MIS and reporting systems Alternative Investment ▪ Also offers intermediaries revenue management, investor service management 1 Fund Services ▪ 30-35%AIF industry growth projected between FY19-241 ▪ Manages end-to-end ACH transactions and ECS and services mutual funds, NBFCs and insurance companies ▪ Provides services through CAMSPay, which is a highly automated ECS or NACH platform Electronic 2 Payment ▪ Supports periodical or adhoc payments (including receipt of funds from mutual fund investors through SIP accounts) Collection ▪ 90mnECS and ACH registrations and transactions executed in 9M FY22 was 88.8mn in FY21 ▪ 36.7% market share in insurance repository business2, with ~4 mn2policies held ▪ Assists with agent management, branch operations, processing of new business applications, servicing policies, renewal premium collections 3 Insurance and other permitted support functions Services ▪ Assists with back-office operations as well as physical infrastructure and facility management functions Note: ACH –Automated Clearing House. ECS –Electronic Clearance Services. 1. According to CRISIL Report. 2. Company Estimated as on 31stDecember21 (Industry data not available)3. April 2020. 29 CAMS – Overview of other services (cont’d.) Over the years, CAMS has leveraged its domain expertise, processes and infrastructure to diversify its service offering to cater to a variety of other financial services sectors ▪ Verification and maintenance of KYC records of investors for use by financial institutions ▪ Online services for intermediaries include verification of PAN card details, facilitate uploading new KYC data and entering datafor new KYC KYC Registration 4 applicants Agency (“KRA”) ▪ Also includes scanning and uploading KYC document and viewing and downloading KYC data maintained by KRAs (including CAMS) ▪ Owns, develops and maintains the technology solutions for MF services business & MF clients ▪ Technology team of 650 personnel1 5 Software ▪ Developed Investrak.NET, a scalable mutual fund transfer agency platform, among others Solutions ▪ Assists with website design and development, provides mobility solutions, performs trend analysis, business intelligence and analytics based services, etc. Note: 1. As of December31, 2021. 30 CAMS – Compliance and risk management architecture Relentless focus on systems and processes has allowed CAMS to become a trusted provider of services to its clients and other stakeholders Cyber Compliance Security Risk Regulatory Management Oversight Assists MF clients with compliance ISO 27001:2013 certification for with scheme documentation, KYC, information security systems SEBI regulations, etc. Provides risk management services to Several regulatory entities have assist MF clients in conducting oversight over different parts of the Cyber Security and Cyber Resilience diligence of their investors business Policy Implemented Reporting to Government Agencies and Regulators Regulated by Several Authorities Anti-Money Laundering Services (SEBI, IRDAI, RBI, MCA, etc.) Technology Committee of Eminent Specialists to Review Processes & Timely Fulfilment of Regulatory Systems Requirements without Error Suspicious Transaction Reporting Periodic Inspections and Audits by Various Regulatory Authorities 31 Experienced Board of Directors Board of Directors ‒ Natarajan Srinivasan Audit ‒ Dinesh Kumar Mehrotra Committee ‒ Vijayalakshmi Rajaram Iyer Dinesh Kumar Mehrotra ‒ Sandeep Kagzi Natarajan Srinivasan Chairman & Independent Independent Director Director ‒ Vijayalakshmi Rajaram Iyer Nomination & ‒ Dinesh Kumar Mehrotra Remuneration ‒ VedanthachariSrinivasa Rangan committee ‒ Narendra Ostawal Vedanthachari Srinivasa Vijayalakshmi Rajaram Iyer Rangan Independent Director Non-Executive Director Stakeholders ‒ Natarajan Srinivasan Relationship ‒ Sandeep Kagzi Committee ‒ Anuj Kumar Narendra Ostawal Sandeep Kagzi Non-Executive Director Non-Executive Director Risk ‒ Vijayalakshmi Rajaram Iyer Management ‒ Natarajan Srinivasan Committee ‒ Dinesh Kumar Mehrotra Anuj Kumar Corporate ‒ Dinesh Kumar Mehrotra Managing Director Social ‒ Vijayalakshmi Rajaram Iyer Responsibility ‒ Anuj Kumar Committee ‒ Sandeep Kagzi 32 Experienced Senior Management Team Experienced management team, with an average work experience of 27 years and a demonstrated ability to grow and diversify the business and innovate services Anuj Kumar : Managing Director Ramcharan Sesharaman: Chief Financial Officer o Joined the company in March 2016 o Joined the company in March 2020 o Previously associated with Godrej & Boyce, Escorts Finance & IBM India o Previously associated with Photon Interactive and Reliance Jio Infocomm Ravi Kethana: Chief Platform Officer IndeevarKrishna : Chief Process Officer o Joined the company in April 2021 o Joined the company in December 2019 o Previously associated with Citibank India, Bharti Airtel & Max Life o Previously associated with Tata Consultancy Services and Wipro Insurance Manikandan Gopalakrishnan : Company Secretary & Compliance Officer Vasanth Jeyapaul Emmanuel : Senior Vice President o Joined the company in October2017 o Joined the company in June 2011 o Previously associated with Bennett, Coleman & Co and Agenda Net o Previously associated with BPL, PrecotMeridian & SJK Steel Plant marketing N. Ravi Kiran : Head –New Businesses Anish Mathew : CEO –CAMS FinservAA o Joined the company in October 2021 o Joined the company in April 2017 o Previously associated SybmlWealth Management platform( Co-founder). o Previously associated with Dharma Software Solutions & Reliance Systems Cisco, Premji Invest and Lehman Brothers Vinodh Chelambathodi : Chief Human Resources Officer o Joined the company in January 2022 o Previously associated with Godrej, Flextronics, HCL, Capgemini, Polaris/Intellect and FSS 33 Corporate Structure Computer Age Management Services Limited Mutual Funds Services, Alternate Investment Funds Services, Payment Services, Banking and Non-Banking Service Businesses 100% 100% 99.99% 100% CAMS Insurance Repository Services CAMS Investor Services Private CAMS Financial Information Services Sterling Software Private Limited Limited (CIRSL) Limited (CISPL) Private Limited (CFISPL) (SSPL) 100% 100% CAMS Payment Services Private Sterling Software Deutschland GmbH Limited (SSDG)* Note: * Currently in the process of winding down the operations of Sterling Software (Deutschland) GmbH. | Currently in the process of closing banking and non-banking services business. 35 History/Milestones • The certificate of registration was issued • CISPL was • Our Company was to our Company was incorporated on incorporated as upgraded and a fresh • CIRSL was February 13, 2012; Computer Age • Our Company was certificate of • Our Company was incorporated on May and Management Services issued a certificate of registration as Registrar • Our Company was issued a certificate of 12, 2011; and • CISPL was issued a Private Limited and registration as a to an Issue and Share issued a certificate of registration dated • CIRSL had received in- certificate of received a certificate Registrar to an Issue Transfer Agent under registration dated January 31, 2007 by principle approval of registration dated of incorporation from under category II, category I, dated July June 1, 2006 by SEBI SEBI to act as a IRDAI to carry on June 29, 2012 to carry the RoC on May 25, dated December 24, 22, 1995, was issued by to act as a depository depository participant business as an on the business as a 1988 1993 by SEBI SEBI to our Company participant for NSDL for CDSL insurance repository KRA 1988 1993 1995 2006 2007 2011 2012 • CIRSL was issued a certificate of • Our Company was registration dated July converted into a 31, 2013 by IRDAI to public limited • Certification of carry on the business Company and Registration for CRA as an insurance received a fresh • Listed in BSE on Services repository; and certificate of October 1st, 2020 • Franklin Templeton • Our Company incorporation from • RBI registration for Go-Live acquired 100% stake the RoC on account aggregator • Approval to set up in SSPL, which September 27, 2019; Services office in GIFT City provides technology • CFISPL was • Great Terrain and Great Terrain • Incorporation of • Account aggregator support to our incorporated on acquired 37.50% acquired 6.03% stake CAMSPay (payment launch Company September 26, 2016 stake in our Company in our Company aggregator services) • MF Central launch 2013 2016 2018 2019 2020 2021 36 Awards and Accolades o Our Company was awarded ‘Best App’ for ‘myCAMS’ app under finance category at the Global Mobile App Summit and Awards 2015 o CIRSL was awarded ‘Best Newcomer Award’ at Asia Insurance Technology Awards o CIRSL was awarded ‘Best Service Provider’ award in ‘Feet on Street Collections’ category by ICICI Prudential Life Insurance Company Limited at TatvaAnnual Meet 2016 o Our Company was awarded SME Business Excellence Awards in mid-corporate IT and IT-enabled services category by Dun and Bradstreet and RBL Bank Limited o Our Company was awarded ‘Best App’ for ‘myCAMS’ app under finance category at the Global Mobile App Summit and Awards o Our Company was awarded ‘Best use of digital media/platform’ in the mutual fund category for ‘myCAMS’ app at the Drivers of Digital Awards 2017 o Our Company was awarded ‘Best App’ for ‘myCAMS’ app under finance category at the Global Mobile App Summit and Awards o CIRSL was awarded ‘Best Newcomer Award’ at Asia Insurance Technology Awards o CIRSL received the CelentAward for CIRSL’s iCare services o 20 most promising capital market solution provider o Our Company was awarded ‘Special Mention for Use of Digital Media in the Mutual Fund Category’ for ‘GoCorp’ app at the Drivers of Digital Awards 2018 2018 o Our Company was awarded ‘Best Application of Technology’ for ‘myCAMS’ app at 4th edition of CX Strategy Summit and Awards o CIRSL was awarded ‘Best Service Provider’ award o CIRSL was awarded ‘OSCAR’ by TATA AIA for outstanding support in DJFM 2019 2019 o CIRSL was awarded ‘Best Service Provider’ award in ‘Mandate Registration and Insurance Repository’ category by ICICI Prudential Life Insurance Company Limited at TatvaAnnual Meet o SSPL was awarded “20 Most Promising Capital Market Solution Providers –2019” by CIO Review India o Our Company was awarded “Highly Commended –Harnessing the Power of Technology” at the Adam Smith Awards Asia 2019 o SSPL was awarded for “Digital and Fintech Solutions” at the SME Business Excellence Awards 2019 by Dun & Bradstreet and RBL BankLimited 2020 o Recognized as the Star of FinTech in Tamil Nadu (highest category recognition) by TamilNadu Government o CAMSPay wonthe prestigious FINNOVITI 2021 Award 2021 o CAMS Insurance Repository Services limited has been recognized as ‘Feet on Street (FOS)-Best Service provider’ by ICICI Prudential Life Insurance company limited at the 15thAnnualTATVA annual awards 2021 37 Shareholders’ Information Stock Data as on 31st January 2022 Shareholding Pattern (%) Market Capitalisation Shares Outstanding 13,191 Cr 4,89,03,470 Promoter 23.75% Others Free Float Scrip Symbol / Code 10,553 Cr CAMS/543232 40.36% Market Capitalisation Top Institutional Holders INR 13,191 Crores ▪ Housing Development Finance Corporation Limited ▪ Smallcap World Fund, Inc. ▪ Life Insurance Corporation of India ▪ Goldman Sachs Funds 29.62% ▪ Ashoka India Opportunities Fund Insurance Cos 6.27% FPIs ▪ Fidelity Investment Trust MFs ▪ Abu Dhabi Investment Authority ▪ Vanguard Investment Funds ▪ Grandeur Peak Investment Funds ▪ William Blaire Managed Funds 38 Glossary Term Description Term Description AAUM Average Assets under Management Kotak Kotak Mahindra Capital Company Limited ACH Automated Clearing House Kotak Mahindra AMC Kotak Mahindra Asset Management Company Limited Aditya Birla Capital Aditya Birla Capital Limited KRA KYC Registration Agency AIF Alternative Investment Fund KYC Know your Customer AMC Asset Management Company MCA Ministry of Corporate Affairs AUM Assets under Management MF Mutual Fund B2C Business-to-Customer MIS Management Information Systems c. Approximately NACH National Automated Clearing House CEO Chief Executive Officer NBFC Non-Banking Financial Company DDT Dividend Distribution Tax NSE Investments NSE Investments Limited DNS Domain Name System Nomura Nomura Financial Advisory and Securities (India) Private Limited DSP Investment Managers DSP Investment Managers Private Limited PAN Permanent Account N​umber EBITDA Earnings before Interest, Tax, Depreciation and Amortization PAT Profit after Tax ECS Electronic Clearance Services RBI Reserve Bank of India FI Financial Institutions RFI Regulated Financial Institutions FII Foreign Institutional Investors RM Relationship Manager GDP Gross Domestic Product RoE Return on Equity Great Terrain Great Terrain Investment Ltd RTA Registrar and Transfer Agent HDFC Housing Development Finance Corporation SBI Fund Management SBI Fund Management Private Limited HDFC AMC HDFC Asset Management Company Limited SEBI Securities and Exchange Board of India HDFC Bank HDFC Bank Limited SIP Systematic Investment Plan HNI High Net worth Individual SM Sales Manager ICICI Prudential AMC ICICI Prudential Asset Management Company Limited SMS Short Message Service ICICI Securities ICICI Securities Limited SSPL Sterling Software Private Limited IIT Indian Institute of Technology TB Terabyte IRDAI Insurance Regulatory and Development Authority of India TER Total Expense Ratio IT Information Technology UT Union Territory 39 Mr. Anish Sawlani +91 72990 07973 Computer Age @ Management Services Anish.sawlani@camsonline.com THANK YOU Limited (CAMS) Mr. Rajesh Agrawal Mr. Nachiket Kale +91 99674 91495 +91 99209 40808 Investor Relations @ Rajesh.Agrawal@linkintime.co.in Nachiket.kale@linkintime.co.in Orient Capital