#1INVESTOR PRESENTATION May 15, 2021 ANN g P) Ltd ta Holograpies G GEOJIT PEOPLE YOU PROSPER WITH#2Our Approach 1. Wealth creation for Customers Our written and practiced purpose of existence is to help customers to create long term wealth. We discourage investors becoming gamblers in the market by campaigns like' Gambling is Injurious to wealth' 01 04 G 02 2. Corporate Social Responsibility Geojit is at the forefront of bringing positive change in the society with initiatives focused on empowering communities, promoting education, safeguarding health and protecting environment 4. Corporate Governance Geojit strive to achieve business excellence and to enhance the value for its Stakeholders thereby to make a significant contribution to the economy. We endeavour to achieve the highest levels of transparency and integrity through independent & engaged Board Oversight and by following the best practices in Corporate Governance. Out of ten directors on the Board of the company only two are from Promoters/Promoter nominees 03 3. Strengthen the Technology edge Technology is helping us reduce operational costs, create a scalable growth model, and deliver superior experience to customers. We continued to invest in upgrading our technology platforms フ G GEOJIT#3Our Legacy and What we have built 34 Years in the Indian Capital Market +450 offices and 51,600 crore AUM and Custody as on end of FY 21, This is a reflection of the trust reposed in our expertise and transparency. Pioneer in Online Trading We started online trading in 2000. In 2010 we launched mobile trading and enjoyed the first mover advantage. We use cutting-edge technology to create customized online trading platforms and other services Strong Promoters and Shareholders We are backed by strong Promoters - BNP Paribas, Mr. C.J.George, and KSIDC. Mr. Rakesh Jhunjhunwala is our major shareholder GEOJIT PEOPLE YOU PROSPER WITH shareholde finance Multichannel and wide range of products Clients can trade using Internet, Phone, WhatsApp, or Branch. We offer various trading and investment products and solutions, including guidance from certified financial advisors to help clients find the right financial solution Help to develop the craft Help client to take charge of their investment journey by helping to develop trading skills with guidance from research department and excellent customer care support Specialist in NRI services We are pioneer in NRI services as Geojit is the first Indian broker to establish presence in Middle east. We have introduced a dedicated service for NRIs residing in the U.A.E, Bahrain, Kuwait and Oman to participate in the India growth story through our JVs G GEOJIT#4Geojit The milestones - フ 1987 1988 1995 1997 CJ George founded M/s CJ George and Co., a proprietary firm at Ravipuram, Kochi, Kerala Company was renamed Geojit and Co. Geojit and Co. becomes a Public Limited Company named Geojit Securities Ltd. Launch of Portfolio Management Services with SEBI registration 2006 2005 2001 2000 Geojit joined hands with the French banking giant, BNP Paribas The company set up two subsidiaries Geojit Credits and Geojit Technologies Geojit signed MoU with Barjeel Shares and Bonds LLC, a part of Al Saud Group, UAE. Geojit launched India's first internet trading facility 2010 2012 Launched FlipMe, India's 1st mobile trading app Company's new corporate office at Cochin was inaugurated 2021 2020 2015 2017 Launched advanced trading platform- Selfie Company renamed as Geojit Financial Services Ltd. 2019 Launch of Geojit Global Investment STEPS-financial planning division Launched Dakshin, PMS portfolio Geojit Online Financial Planning tool launched 2018 FundsGenie - online mutual fund app launched THE G GEOJIT#5Our Unique propositions Hybrid Modell Diversified Products • Extensive offline platform with 450+ office network • Strong presence in Tier II& Ill cities • Maintain deep relationship with customers • Brokerage • Mutual funds Insurance (Life, Health & General) • PMS • Software • Loans Advisory Services Digitization Drive • Strong team of Certified Financial Planners Research and advisory team with decades of experience • Investor awareness programs to educate investors • Robust trading and investment platforms ⚫ Best technology solutions • Digitization to enhance process efficiency and customer experience G GEOJIT#6Products and Services 1 INVEST Equity Commodities Mutual Fund Global Investment SGB, Gold ETF 3 LOANS LAS 50 2 an 5905 659390 MTF 3rd party Loan distribution PROTECTION Life insurance 3 Health insurance 5 General Insurance BUILD WEALTH Financial Planning Portfolio Analysis 2 MANAGE WEALTH PMS Equity SIP Smart Folio Wealth Management 4 G GEOJIT#7フ First to Launch GEOJIT WAS THE FIRST TO LAUNCH Internet and mobile trading Depository transactions through the internet Integrated trading system for both cash and derivative segment Commodity trading in rubber, cardamom, gold and silver futures G GEOJIT#8Investment Platforms フ SELFIE MF Investment platform Cutting-edge platform to analyze and invest in Mutual funds -A platform that provides a user friendly, clutter-free experience STEPS WE HANDHOLD YOU Smart folio Smartfolios offers baskets of stocks selected by professionals and driven by data intelligence to make investment easy. The stocks in these portfolios are selected based on parameters like quality, financial trend, valuation, technical, moving averages and liquidity. Investors can select the one based on their risk appetite Wecone to Funds Genie Smartfolios By Geojit Trading Platform Selfie makes investing easy, reliable and helps one take informed choices. Selfie is available across devices including install-able desktop software, HTML trading platform and mobile App FUNDS GENIE Financial planning tool Experts at STEPS will guide the client with well-structured financial management strategies to achieving their financial goals. Smart Folios launched in end of 2019.Over 3,000 clients registered G GEOJIT#9Wealth creation with Insightful Research Financial Planning Financial planning business under exclusive Investment advisory division called STEPS. Geojit provide professional fee based Financial Planning service through certified and experienced financial planners PMS Our PMS portfolios have outperformed their respective benchmarks during the year 2020 and the early months of 2021. Our Advantage Portfolio has ranked 5th position in January 2021 # FINANCIAL PLANNING CUSTOMERS PMS RESEARCH RESEARCH Research driven recommendations - In fundamental research, total coverage is 160 + companies of which 50% is large cap, 30% Midcap and 20% small cap In PMS We offer three unique types of portfolios •Advantage Portfolio •Freedom Portfolio •Dakshin Portfolio # According to data compiled by pmsbazar.com, a private research firm that tracks around 190 PMS schemes in the country. Advantage Portfolio which has a bias towards small and mid cap stocks have delivered higher returns compared to benchmarks across time lines. For 9 months, our Advantage Portfolio delivered a return of 85.57% while Nifty Mid Cap 100's returned 77.22% (As on 28.02.2021) G GEOJIT#10フ One-Stop shop for all Investment Needs 01 € 02 03 ㅏ01 þ02 |03 Broking Services ➤ Online and offline support Research on 160 stocks across multiple sectors and economy and technical research State-of-the-art trading and investment platform powered with latest web technology and designed to maximize user experience Margin Funding Depository Services Financial product Distribution ➤ Advanced MF platform / app Funds Genie ➤ Extensive distribution network Collaboration with ICICI Prudential and MetLife for Life Insurance Collaboration with Bajaj Allianz General Insurance, Cigna, Star Health, ICICI Lombard, GoDigit for Health and General insurance Advisory Services Strong team of Certified Financial Planners (CFP) supported by advanced technologies ➤ Customized and personalized solutions. G GEOJIT#11B2B Partnership For trading in the capital market, we currently have institutional tie ups with prominent banks. FEDERAL BANK SOUTH INDIAN Bank YOUR PERFECT BANKING PARTNER Experience Next Generation Banking Domestic: フ punjab national bank CSB Bank Formerly The Catholic Syrian Bank Ltd. FEDERAL BANK NRI Portfolio Investment Scheme: YOUR PERFECT BANKING PARTNER HDFC BANK We understand your world यूनियन बैंक Union Bank HUSBA भारत 3IGENT Andhra A Government of India Undertaking कार्पोरेशन Corporation of India SVC CO-OPERATIVE BANK LTD. SOUTH INDIAN Bank Experience Next Generation Banking BBK نك البحرين والكويت AXIS BANK IDBI BANK G GEOJIT#12Technology Edge - Digital Transformation CLIENT ONBOARDING 81% TRADING VOLUME Volume Online on Mobile on statistics Total Total Online Intraday 82% 76% 82% Option Index 83% 86% Option Stock 81% 80% ➤ Digital Marketing . • CRM • Chart based on 2021 March month business Low yield volumes are happening online Automated environment for campaigns, measuring effectiveness and end-to-end integration New Interfaces – Partner Portal, Customised communication, Cloud Telephony Sales Cloud Comprehensive Lead and Sales Management Campaign – Lead- Sales matrix, Dashboards to monitor Service Cloud End-to end multi channel Service integration with CRM 60 degree view of customers ➤ Cloud Telephony, Email integration with CRM Collaboration with Customers Employees Collaboration and Productivity tools RPAs for recurring and redundant processes G GEOJIT#13Sustained Wealth Creation for Customers Provide diversified mix of products with advisory and personalized attention to help customers protect and grow their wealth while developing long-term relations to facilitate cross-sales SOLUTIONS OFFERED FOR DIVERSE NEEDS OF CUSTOMERS USING OUR UNIQUE PHYTIGAL MODEL HYBRID AGILE TRADITIONAL Work Ethics Phygital Model Our offline platform with extensive branch network facilitates closer reach to customer and maintain deep relations with them. Our strong investor oriented technology platform enables customers to make seamless and hassle-free online investments Customer Service Key differentiator in customer service - Robust technology platform equipped to address our client needs right from sourcing to transactions, providing unmatched value position of portfolio evaluation, robotic advisory and financial planning. Work Ethics We nurture our skilled people and ensure customer centric and ethical work culture 30% of Clients who were active more than 10 years ago are still active with us $ $ Based on Broking business G GEOJIT#14Business Performance#15Key Performance Indicators - 2020-21 CUSTOMER BASE I MILLION MARKET CAP 1198CR BRANCH NETWORK 465 OFFICES AUH 43,182CR Across India & Middle East NETWORTH MF AUM 658.66CR 8466CR TOTAL REVENUE EMPLOYEES 2259 ROE 426.81CR 20.68% AUH means Asset under holding. -Equity holding of clients MF AUM -Mutual Fund Asset under management includes Geojit AUM and 100% of Barjeel MF AUM both Indian and Offshore fund. Return on Equity (ROE)= Total comprehensive income/Average Networth G GEOJIT#16Assets AUH & AUM 38,620 40,158 32,376 28,435 Mutual fund Equity AUM 5,606 51,648 Amount in Crores Mutual fund holding clients 219,222 220,309 213,654 3,900 3,290 193,433 2,790 139,796 1,630 الالات Mar.17 Mar.18 Mar. 19 Mar. 20 Mar.21 Mar. 17 Mar 18 Mar 19 Mar.20 Mar. 21 Mar. 17 Mar. 18 Mutual fund equity AUM growth 71% 66% 47% 47% 40% Mar. 17 Geojit 70% 60% 13% -16% Mar. 18 Mar. 19 Mar 20 -25% Mar. 21 Industry Mutual Fund holding including other schemes of Geojit is 6154 cr at the end of Mar.21. Barjeel AUM is 2312 cr.Total AUM 8466 cr From FY17 to FY19 Equity AUM means Equity + ELSS +Balanced Fund., from FY20 it means Equity Schemes including ELSS, Index funds, and Hybrid Funds excluding Conservative funds and Arbitrage funds. (Industry figure source AMFI) Mar. 19 Mar.20 Mar.21 Income from distribution business 57.43 50.00 43.45 41.34 22.69 FY 17 FY 18 FY 19 FY 20 FY 21 G GEOJIT#17ADTO, Brokerage,Yield and Online business Cash Market ADTO Derivatives ADTO 718 Amount in Crores Brokerage Income 473 448 453 397 188 2,286 151 146 136 1,736 1,499 1,312 942 227 34 36 40 42 48 FY 17 FY 17 FY18 FY 19 FY 20 FY 21 FY 17 FY18 FY19 FY20 FY 21 FY 18 ■Cash market FY 19 FY 20 FY21 Derivatives Yield ■Volume ■Brokerage % Online on Total 74% 0.162% Cash 66% 0.153% 61% 0.132% 0.122% 56% 58% 57% 0.127% -Derivatives 48% 46% -Total Broking 37% 39% 0.056% 0.051% 0.039% 0.033% 0.014% 0.011% 0.011% Mar.17 Mar.18 .ADTO means Average daily turnover フ 0.010% Mar.19 Mar.20 0.037% FY21 0.008% Mar.17 Mar.18 Mar.19 Mar.20 FY21 G GEOJIT#18Client and Employee count 89,750 New clients 87,220 52,350 Total active clients 376,290 356,719 339,469 326,278 65,585 260,345 50,950 I FY 17 FY 18 FY 19 FY 20 FY 21 Mar. 17 Mar. 18 Mar. 19 Mar.20 Mar. 21 Income per client Employees end of the year 2,836 2,724 2,595 11,300 10,500 9,400 9,100 9,400 FY 17 FY 18 FY 19 FY 20 FY 21 2,354 2,259 Mar. 17 Mar. 18 Mar. 19 Mar.20 Mar. 21 .Active clients are those who have transacted in any product of Geojit atleast once in the preceding 12 months Income per client Total operational income / Total Active clients = G GEOJIT#19Financial Performance#20Consolidated Result Amount in Lakhs Q4FY21 Q3FY21 Q4FY20 Operational income Other income Total Income 118 53 QoQ growth growth 12,138 10,408 8,232 17% 47% 220% YoY FY21 YoY growth 42,499 30,535 39% FY20 37 123% 182 102 79% 12,256 10,461 8,269 17% Employee benefit expenses 3,578 2,864 2,649 25% 48% 35% 42,681 30,637 39% 11,949 10,983 9% Fees and commission expenses 1,957 1,712 1,245 14% 57% 6,936 4,519 53% Depreciation,amortisation and impairment 590 560 694 5% -15% 2,329 2,496 -7% Others 1,358 1,261 1,194 8% 14% 4,950 5,228 -5% Total Expenses 7,483 6,397 5,782 17% 29% 26,164 23,226 13% PBT before exceptional Item 4,773 4,063 2,487 17% 92% 16,517 7,411 123% Exceptional Items (449) PBT 4,773 4,063 2,487 17% 92% 16,517 6,962 137% PAT 3,717 3,150 1,970 18% 89% 12,651 5,058 150% Other Comprehensive Income 38 (1) 16 133% 29 (2) Activate Wir Total Comprehensive Income 3,755 3,149 1,986 19% 89% 12,680 5,056 151% to G GEOJIT#21Consolidated Revenue mix Amount in Lakhs QoQ YoY YoY Q4FY21 Q3FY21 Q4FY20 FY21 FY20 growth growth growth Equity and Equity related 8,869 7,703 5,723 15% 55% 31,966 21,401 49% Financial Product income 1,874 1,484 1,426 26% 31% 5,743 5,000 15% Mutual fund distribution 1,226 1,148 1,021 7% 20% 4,318 3,832 13% Insurance distribution 626 327 397 92% 58% 1,352 1,142 18% Other distribution income 22 9 8 132% 184% 73 26 176% Software Income 287 276 226 4% 27% 968 884 10% Other operational income 1,108 945 855 17% 30% 3,822 3,250 18% Total Operational income 12,138 10,408 8,232 17% 47% 42,499 30,535 39% Non operational Income 118 53 37 123% 220% 182 102 79% Total income 12,256 10,461 8,269 17% 48% 42,681 30,637 39% Equity related income includes income from Broking, DP, Overdue fees from clients and Interest from Margin funding. G GEOJIT#22Financial Trend 29,661 35,814 Total Income 30,977 30,637 42,681 Amount in Lakhs Total Expenses 26,164 24,168 24,446 23,226 20,270 III FY 17 FY 18 FY 19 FY 20 FY 21 FY 17 FY 18 FY 19 FY 20 FY 21 32% PBT PBT Margin 33% 39% 24% 21% 16,517 6,128 11,645 9,391 6,531 7,411 7,773 PAT 2,794 5,058 12,651 FY 17 FY 18 FY 19 FY 20 FY 21 FY 17 FY 18 FY 19 FY 20 FY 21 G GEOJIT#23Revenue Break up 2% 3% 2% 2% 2% 7% 5% 4% 3% 2% 12% 13% 15% 15% 15% 13% 8% 12% Others 13% 16% 6% 6% 5% 5% 6% Software Interest Distribution Depository 62% 62% 64% 60% 58% ■Gross Broking FY 17 FY 18 FY 19 FY 20 FY 21 Interest Income includes interest on margin funding, Overdue fees collected from clients, Interest income on IT refund, and Treasurry income (interest on FD and Net gain on sale of Current investment -mutual fund) PBT is Profit before tax and Exceptional items G GEOJIT#24Financial Trend Networth in Lakhs 56,571 61,276 58,812 56,741 65,866 24.02 Book value per share 25.76 24.68 23.81 27.63 Mar. 17 Mar. 18 Mar. 19 Mar.20 Mar. 21 Mar. 17 Mar. 18 Mar. 19 Mar.20 Mar. 21 2.38 3.03 Earning per share 0.96 1.97 5.17 Dividend per share 1.25 2.00 1.50 1.00 3.50 FY 17 FY 18 FY 19 FY 20 FY 21 FY 17 FY 18 FY 19 FY 20 FY 21 G GEOJIT#25Geojit - Geographic Presence 19 States 2 Union Territories and ashmir 4 Countries in Middle East Punjab Uttarakhand Haryana Delhi-NCR フ Gujarat Rajasthan Madhya Pradesh 465 Offices across India & Middle East UP Bihas Tharkhand Maharashtra Telangana Goa Odessa Karnataka Andhra Pradesh Puducherry Kerala Tamilnadu 4 Countries in Middle east West Benga ✓ Kuwait, ✓ Bahrin, ✓ UAE, ✓ Oman RED SEA SAUDI ARABIA KUWAIT PERSIAN GUL Manama QATAR Dobe BAHRAIN U.A.E. COMAN Abu Dhab Mascat OMAN INDIAN Gulf of Aden OCEAN Encyclopedia Britannica, Inc. G GEOJIT#26フ ESG G GEOJIT#27ESG-3 Non Financial Parameters ΟΛΟΛΩΛΟ 01 02 03 Environmental Empathy Duty towards the Planet Social Responsibility Relationship with External and Internal stake holders Governance Business Integrity and Ethics Geojit is committed towards fulfilling the ESG Parameters. G GEOJIT#28フ ESG - Our Commitments Environmental Empathy ✓ Waste management ✓ Conserve Energy ✓ Conserve Water ✓ Prevent Pollution ✓ Address Climate change ΠΟΛΩΛΟΛΟ 01 ESG 02 03 Social Responsibility • Quality Products & Services Gender Equality Woman empowerment Labor welfare and Rights Donation to social causes Corporate Governance • • Efficient Management Ethical Practices Strong Internal Controls Ensure No Fraud/Illegal Activity G GEOJIT#29フ ESG - Geojit's Performance snapshots E Green Building accreditation for Corporate office ✓ Care and protect Biodiversity ✓ Support low carbon economy ✓ Water consumption reduction initiatives ✓ Pollution ✓ Conserve non renewable energy S Undertake CSR activities in fields of women empowerment, Education and Health ✓ Dedicate 2% of our profit for social causes ✓ Prioritizing a lean, flexible, and highly-engaged workforce ✓ Diversified pool of talent with due representation of local population ✓ Inclusive growth of staff along with the organization Ensuring safety and well- being of employees/workers ✓ Women represents of the workforce G Active oversight from Board of Directors Dedicated Board-level Corporate Responsibility Committee ✓ Executive compensation aligned with ESG metrics ✓ Highest level of ethical and legal conduct in all business activities ✓ Zero tolerance for fraud from employees and business associates ✓ Continuously striving to embrace evolving stakeholder and customer expectations and implement best practices G GEOJIT#30ESG - Geojit's Commitments G ✓ Governance 50% of the Board comprises of Independent Directors ✓ Board Committees comprise of Majority Independent Directors ✓ Audit Committee headed by Independent Director Environmantal Empathy ✓ Greening of Supply chain by integration of ESG aspects in vendor selection and assessment ✓ Strategic partnership and development of local vendors ✓ Our 100000th sq ft Corporate building is certified as Gold category by Indian Green Building Council. ✓ We have water waste treatment plant in our building E S Social Responsibility ✓ Senior Management Remuneration linked to growth, sustainability and profitability of business with focus on safety and capital management ✓ Formula-based plan based on pre-established performance driven metrics ✓ We cut incentive for RMs/Dealers for offline derivatives business by 50% compared to incentives for online derivatives trading to avoid any hard sell ✓ Our Ethics committee has majority of independent members whose approval is a must for launching any sales contest/campaign to have a check on mis selling フ G GEOJIT#31COVID-19 Response - Protecting our people is protecting our business • . Protecting our Workforce & their Families Adhering to global standards to manage health and hygiene Established flexible, remote working plans for all employees starting in mid- March • All non-essential travel cancelled Committed to maintaining health benefits during the pandemic and beyond Offering guidance resources to support mental and physical well-being • Ongoing communication and engagement efforts • Supporting our Local Communities • Partnering with local governments, medical institutions, charities and NGOs to provide support Providing monetary and in-kind contributions of medical supplies and food including: - Ventilators and an ambulance - - Portable oxygen plant and cylinders to the community Testing and food donations - Supplies to hospitals, health clinics and first responders • • • בהה. Maintaining Resiliency & Value Rapid response efforts initiated at corporate and sites Wide-ranging controls in place across all operations including temperature checks, RTPCR tests, social distancing, extensive cleaning and established isolation areas on-site in the event of positive tests Focused on supply chain resiliency • Managing costs and financial liquidity • Maximizing cash flow while preserving large resources & asset values for the future G GEOJIT#32Social Service Responsibility de calor counter MEDICAL SCREEN Tot wification counter Opales Kian Stoal Distancing Stay Safe SOME OF OUR COVID RELIEF INITIATIVES 1. 2. 3. 4. Thermal screening facility and automatic ticket verification system at Ernakulam South Railway station Distribution of food to migrant labourers during lockdown Medicine for covid patients at PVS hospital Infracture for fignting the pandemic at Moovattupuzha Super speciality hospital 5. Infrastructure for firstline covid treatment centre at Paingottoor EDUCATION • We have procured 130 TVs for poor students for facilitating online classes during lockdown. We provide education support to underprivileged children at Rajagiri outreach. Provide education support to poor students pursuing civil service exam. Free breakfast for school students CREATING LIVELIHOOD • Support for enriching differently enabled children by Centre for Empowerment • Health care- SPARSH - Community health project - Funding critical illness treatments for poor people WOMEN EMPOWERMENT • • Livelyhood enhancement project for visually impaired women Palluruty Rual settlemet -The Settlement houses vagrants and destitute, mostly picked up from the streets by the Police and Social workers We supported blind women at Vocational Training Centre, Pothanikkad G GEOJIT#33フ COVID-19 CSR Initiatives Thermal screening and contactless ticket verification system at Ernakulam South Railway Station Distribution of food to migrant labourers Welcome Distribution of foot pedal sanitizers to General hospital, village office etc hospital NVR 40 Online Education Support for poor students Break the Chain campaign in association with Kochi Metro Break chain GEORT 20 100 Break 糖 the chain CONTACT FOR KADS G GEOJIT#34フ Thank You GEOJIT FINANCIAL SERVICES LTD. 34/659-P, Civil Line Road, Padivattom, Kochi - 682024 Phone: 484 2901000 www.geojit.com G GEOJIT