#1EBIX On-Demand Solutions for the Insurance, Financial, e-Governance & Healthcare sectors 66600000 INVESTOR PRESENTATION 1 Ebix Way, Johns Creek, GA 30097 | Phone: (678) 281 2020 | www.ebix.com#2DISCLAIMER This Investor Presentation has been prepared by Ebix, Inc. ("Ebix") for investors, solely for informational purposes. The information contained herein has been prepared to assist prospective investors in making their own evaluation of the Company and does not purport to be all-inclusive or to contain all of the information a prospective or existing investor may desire. In all cases, interested parties should conduct their own investigation and analysis of the Company and the data set forth in this information. Ebix makes no representation or warranty as to the accuracy or completeness of this information and shall not have any liability for any representations (expressed or implied) regarding information contained in, or for any omissions from, this information or any other written or oral communications transmitted to the recipient in the course of its evaluation of the Company. This Information includes certain statements and estimates provided by the Company with respect to the projected future performance of the Company. Such statements, estimates and projections reflect various assumptions by management concerning possible anticipated results, which assumptions may or may not be correct. No representations are made as to the accuracy of such statements, estimates or projections. Prospective investors will be expected to have conducted their own due diligence investigation regarding these and all other matters pertinent to investment in the Company. This presentation may contain statements that are not historical facts, referred to as "forward looking statements." The corporation's actual future results may differ materially from those suggested by such statements, depending on various factors including those described in filings made with the SEC.. EBIX All Copyright Reserved. 2#3TABLE OF CONTENTS EXECUTIVE SUMMARY FINANCIAL SNAPSHOT INDUSTRY & MARKET OVERVIEW EBIX EXCHANGE (INSURANCE) EBIXCASH EBIXCASH PAYMENT SOLUTIONS. EBIXCASH TRAVEL .... EBIXCASH FINANCIAL TECHNOLOGIES...... ELEARNING STARTUP INITIATIVES A FEW STRATEGIC THOUGHTS 05 12 17 18 27 38 51 59 69 74 78 EBIX All Copyright Reserved.#4EBIX MISSION EBIX GOAL IS TO BE THE LARGEST FINTECH COMPANY IN THE WORLD THAT CAN CONVERGE ALL INSURANCE AND FINANCE SERVICES CONVERGENCE Ebix's goal is to be the leading powerhouse of insurance and financial transactions in the world. The Company's technology vision is to focus on the convergence of all channels, processes and entities in a manner such that data seamlessly flows once a data entry has initially been made. E bix strives to work collaboratively with clients to develop innovative technology strategies and solutions that address specific business challenges and requirements. Ebix combines the newest technologies with its capabilities in consulting, systems design and integration, IT and business process outsourcing, applications software, and web and application hosting to meet the individual needs of organizations. The company's technology vision is to focus on convergence of all insurance and financial exchange channels, processes and entities for seamless data flow. The company intends to do that by designing products and services that are pioneering in its field. The company believes that profitability and revenue growth must go hand in hand. With no competitors who can match the completeness of its vision or its distinct advantages, Ebix is ideally positioned to seize an enormous market opportunity. Cited by numerous third parties for the high quality of its offerings, Ebix has built an outstanding reputation amongst a large, impressive customer base. With a strong recurring Software as a Service (SaaS) model, Ebix is positioned to be a leading global Fin Tech player. The company has been featured on Fortune Magazine's 100 Fastest Growing Company List 5 times in the last decade. Ebix also has history of producing 19 years of both top line and bottom line sequential growth. Under the present management, Ebix stock has shown shareholder return of more than 16,000% growth in terms of stock value. EBIX All Copyright Reserved. 4#5EBIX EXECUTIVE SUMMARY 目#6ABOUT EBIX Founded in 1976, Ebix, Inc. is listed on the NASDAQ Global Market and is a part of the Russell 2000 Index and Standard & Poor's Smallcap 600 Index. Headquartered in Johns Creek, Georgia, Ebix has 50+ offices across the world in countries like Australia, Brazil, New Zealand, Singapore, Canada, U.K. and India.. Through its various SaaS based software platforms, Ebix employs 7,800+ professionals providing products, support and consultancy to thousands of customers on six continents across 69+ countries. Ebix Summary . Market capitalization of approximately $850 Million and 7,800+ employees globally, working across 50+ offices • Ebix has a strong clientele of millions of users globally across financial institutions, public institutions, banks, insurance companies, insurance brokers and healthcare professionals . The Company has a proven high Growth and Profitable Recurring Revenue Model with 88% recurring revenues Strong Balance sheet and 20 years of sequential top line and bottom line growth A client base spread across 69+ countries with hundreds of thousands of users using its platforms and exchanges Ebix Exchange in Australia powers a majority of the electronic property & casualty insurance transactions All worldwide intellectual property and development is led by its India staff EbixCash's goal is to converge B2C & B2B processes, front-end & back-end processes, while creating distribution markets on one hand and enabling on-demand technology solutions on the other hand EbixCash's Forex operations have emerged as a leader in India's airport Foreign Exchange business with operations in 32 international airports, including Delhi, Mumbai, Bangalore, Hyderabad, Chennai and Kolkata, conducting over $4.8 billion in gross transaction value per year EBIX All Copyright Reserved. • One of the largest insurance and financial exchanges in the world Ebix's centers in India have Carnegie Mellon's highest CMMI Level 5 rating and provide quality operations to its customers • Ebix's insurance exchanges power transactions between hundreds of thousands of brokers and insurance companies • Ebix powers leading insurance and reinsurance exchanges in countries like the US, Australia, UK, and NZ • Ebix's Annuity Exchange powers more than $60 billion in Annuity premiums annually in the United States ⚫ Ebix systems tend to be multi-lingual and multi-currency (French, Portuguese, Spanish, Japanese, Chinese, Hindi and English). • Ebix's On-Demand CRM solution is used by 125,000 plus users in the United States alone EbixCash, through its travel portfolio of Via and Mercury is also one of Southeast Asia's leading travel exchanges with over 2,200+ employees, 212,450+ agent network, 25 branches and over 9,800 corporate clients; processing an estimated $2.5 billion in gross merchandise value per year • EbixCash is the only Financial Exchange in the Indian subcontinent with consistent strong operating margins, along with unparalleled organic and inorganic growth rate. EbixCash handles Gross Merchandise Value (GMV) of $18 billion (pre-Covid) CO 6#7SUMMARY HIGHLIGHTS 1 Industry Leadership Opportunity by Leveraging Ebix's Strong Market Presence. 2 Large, Impressive Client Base for Expansion and Cross-selling. 3 The insurance and finance IT market is a highly fragmented multi-billion dollar industry. Ebix's innovative exchange strategy and its global reach positions it as a possible leader in the worldwide insurance and financial exchange markets. Consistency of Performance. Ebix's outstanding reputation with a large customer base and community of insurance and finance professionals offers tremendous expansion and cross- selling opportunities to accelerate an already very strong market position. Q1 2021* Annualized Non GAAP 2020 Non GAAP 2019 Non GAAP 2018 GAAP 2017 GAAP 2016 GAAP Revenues in million $ 1,160.2 625.6 580.6 497.8 364.0 298.3 High Growth and Profitable Recurring Revenue Model. With approximately 88% of its revenue generated from recurring sources, Ebix has a high degree of visibility into its growth trajectory. Operating Margins Launch of EbixCash New Growth Initiatives Launched 34% Growth of Q1 2021 over other years 85% 100% 133% 219% 289% 31% 31% 27% 24% Net Income in million $ 102.9 113.1 96.7 117.7 100.6 93.8 Growth of Q1 2021 (Non GAAP) over other -9% 6% -12% 2% 10% years Diluted EPS in $ 3.36 3.70 3.16 3.73 3.17 2.86 Growth of Q1 2021 (Non GAAP) over other years -9% 6% -10% 6% 17% ■ 2020 ■2019 -2018 -2017 ■ 2016 *In Q1 2021, Ebix recorded Non GAAP adjustments totaling $9.18M. G EBIX All Copyright Reserved. 7#8SUMMARY HIGHLIGHTS UNIQUE DIFFERENTIATION ENHANCES EBIX'S LEADERSHIP OPPORTUNITY Ebix's exchanges power transactions between hundreds of thousands of brokers and insurance companies. Ebix runs over 22 million compliant life policy illustrations and over 40 million life insurance quotes annually. Ebix's annuity exchange powers in excess of $60 billion in premiums annually in the United States. Ebix Exchange in Australia powers the majority of the electronic property & casualty insurance transactions. Ebix's On- Demand CRM solution is used by 125,000 plus users in the United States alone. With the aggregation of a large community of insurance companies and brokers on its exchanges, Ebix is seen as a vehicle to insurance markets by these entities. Companies not using Ebix exchanges risk losing access to the aggregated markets that Ebix could offer them access to. Ebix Cash is the new 'Financial Services' arm of Ebix that originated in India EbixCash's goal is to converge B2C & B2B processes, front-end & back-end processes, while creating distribution markets on one hand and enabling on- demand technology solutions on the other hand. EbixCash is the only Financial Exchange in the Indian subcontinent with consistent strong operating margins, along with unparalleled organic and inorganic growth rate. EbixCash handles Gross Merchandise Value (GMV) of $18 billion (pre-Covid). Experienced Executive Management Team with Domain Expertise and Industry Recognition. Ebix's team includes subject matter and domain experts with a deep understanding of the insurance and finance industries, spanning hundreds of years of collective experience. Its infrastructure and experienced executive management team is highly capable of sustaining its leadership and growing Ebix into the future. V Ebix provides a multi-national broker or carrier a common code base world-wide, unlike any other software player in the insurance industry that addresses these markets. Ebix systems are multi-lingual and multi-currency (French, Portuguese, Spanish, Japanese, Chinese and English). With fully owned offshore facilities in India, Ebix has the ability to reduce the cost structure of acquired companies and increase their efficiency. Ebix's centers in India have Carnegie Mellon's highest CMMI Level 5 rating, and provide quality operations to its customers. G EBIX All Copyright Reserved. 8#9AIRPORT FOR INSURANCE AND FINANCE EBIX All Copyright Reserved. EBIX RCS EBIX EXCHANGE EBIX CASH EBIX CRM EBIX HEALTH EBIX VISION - TO BECOME AN AIRPORT FOR INSURANCE, HEALTHCARE AND FINANCE CONVERGED TOGETHER 9#10GLOBAL FOOTPRINT Our markets and our clients cross geographic boundaries. With customers on six continents across 69+ countries, Ebix has a unique footprint in the insurance, healthcare and financial industries. EBIX All Copyright Reserved. United Kingdom United States UAE India African Continent Thailand. Singapore Philippines Brazil Indonesia Australia New Zealand 10#11EBIX IN NEWS CORPORATE 2017 WAS THE BEGINNING FOR ACQUISITIONS' Ne been on a sp Alin ty 21. The athene aktians provider expecte Tabia Raice, Chu This, said the tree to the The other side intrats bed by the Board The Six bo about se sebese gia ta direner the EBIX NSPIRATION IN 20 YEARS OF EBIX WE HAD 80 QUARTERS OF SEQUENTIAL GROWTH' GRAND EVENT FOR 129.100.30 Fortis 137.750.10 GAIL BUFFETT FOLLOWERS 5181.75. &. 1.30 Oh To Be Robin Raina! G EBIX All Copyright Reserved. ET GETOW NOW 3:11 PM ORL 74.40-102 GAS 1.9354 0.025 N. GAS 4.280-0.041 LIVE BW BUSINESSWORLD ATLANTA EBIX THE GLADIATOR CNBC EXCLUSIVE ROBIN RAINA EBIX PRESIDENT & CEO 25 IPL EBIX CASH R. CASH REPUBLIC. CREATING HISTORY EBIXCASH STUDIO VISIBLE ACROSS REPUBLIC OTT STUDIO R. WORLD'S FIRST BRAND INTEGRATED NEWS STUDIO Universal Sompo,BSE Ebix partner to sell general insurance products By Verdict Staff August 17, 2000 #MoneyGramEbixcash newsx EBIX 15159 1.46% 10,263.95 EBIX NASDAQ Listed [EBIX)] EDX CASH 5 11#12EBIX FINANCIAL SNAPSHOT 目#13THE JOURNEY TILL NOW Net income (in millions) $140 ⚫ In 1999 Ebix had $19.0 million in Net Losses. ⚫In Q1'2021 Ebix had $102.9 million of Annualized Net Income. $120 $100 $80 $60 $38.80 $40 $27.31 $20 $12.70 $6.00 $4.30 ($19) ($11) $0.10 $0.50 $1.70 $2.60 $0 $71.37 $70.57 $63.55 $59.00 $59.27 $79.53 $100.62 $93.85 $128.85 $117.67 $113.07 $102.99 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2000 2018 2019 2020 Q1 2021 Non Non Non Annualized GAAP GAAP GAAP Non GAAP 1999 G EBIX ($20) ($40) All Copyright Reserved. 13#14CONSISTENT GROWTH AND PROFITABILITY COMBINED OPERATING INCOME BETWEEN 2012 AND 2020 = $1.01 BILLION $199.37 ■Revenue (in millions) $77.01 $1.80 2012 $204.71 $75.01 $1.53 2013 ■Operating Income (in millions) $214.32 $79.67 $1.67 2014 $265,48 33% Diluted EPS $363.97 $298.29 34% Operating Margins Revenue CAGR** - 22 % Operating Income CAGR** - 7% EPS CAGR✶✶-7% $625.60 $580.60 $497.83 $1,160.21 32% 31% 31% 29% 27% $152.98 $163.88 $147.74 $142.30 $113.22 $88.71 $100.31 $2.28 $2.86 2015 2016 2017 **CAGR calculated using 2012 as the base period through Q1 2021 For more details on Q1 2021* Non GAAP numbers, please refer to Slide No. 7. G EBIX All Copyright Reserved. $3.17 $3.73 $4.21 $3.70 2018 Non GAAP 2019 Non GAAP 2020 Non GAAP $3.36 2021 Q1 Annualized Non GAAP 14#15EBITDA COMBINED EBITDA BETWEEN 2012 AND 2020 = $1.26 BILLION EBITDA (in millions) $124.2 $111.8 $101.4 $88.3 $89.8 $81.0 2012 2013 2014 G EBIX **CAGR calculated using 2012 as the base period through Q1 2021 All Copyright Reserved. EBITDA CAGR** - 10 % $163.6 $153.1 $142.9 2015 2016 2017 2018 2019 2020 $208.8 Q1 2021 Annualized 15#16BALANCE SHEET METRICS HEALTHY BALANCE SHEET 2020 2019 2018 2017 2016 2015 2014 Net Debt (millions) (Debt less cash, cash $569.9 $668.6 $551.2 $310.8 $155.6 $148.4 $69.4 equivalents & short term investments) Current Ratio 1.89 1.55 1.35 1.72 2.31 2.28 1.49 Cash Balance + Short- term investments 130.1 77.7 $169.1 $89.5 $117.2 $58.7 $52.6 (millions) Working Capital $170.5 $129.0 $110.0 $106.0 $117.3 $65.6 $34.1 (millions) Debt to Market Cap ratio 0.69 1.36 1.51 0.81 0.64 0.51 0.28 EBIX All Copyright Reserved. 16#17EBIX INDUSTRY & MARKET OVERVIEW 目#18EBIX EBIX EXCHANGE (Insurance) 目#19EBIX'S INSURANCE EXCHANGE VISION THE INSURANCE & HEALTHCARE EXCHANGE CHANNEL EBIX All Copyright Reserved. On-Demand Illustration Exchange (WinFlex) ENTERPRISE LIFE EXCHANGE EBIX EXCHANGE The On-Demand Insurance Exchange CRM (SmartOffice) Order Entry Exchange (Life Speed) Order Entry Exchange ANNUITY EXCHANGE HEALTH & EMPLOYEE BENEFITS EXCHANGE Servicing Exchange Portability Exchange REINSURANCE EXCHANGE P&C EXCHANGE RISK/CLAIMS EXCHANGE HEALTH INFORMATION EXCHANGE WORKERS COMP EXCHANGE CONVERGENCE IS KEY 19#20EBIX'S INSURANCE EXCHANGE VISION THE INSURANCE & HEALTHCARE EXCHANGE CHANNEL Multiple exchanges across the world in the fields of life, annuity, health, property & casualty insurance conducting in excess of $100 billion in insurance premiums. 2% 2% 4% 4% 4% EBIX All Copyright Reserved. Risk Mgmt. & Workers Compensation ■Life Insurance Customer Relationship Management Annuities Health Benefits ■Property & Casualty Financial 84% Ebix Vertical Exchange Channel Revenue Split in Q1 2021 !!! & 20#21THE INSURANCE EXCHANGE CHANNEL LIFE EXCHANGE EBIX All Copyright Reserved. LIFESPEED WINFLEX WEB Pending Cases Status Paramed Exam Order eApp Submission Sales Illustration (Multiple Carriers) Client & Agent SMARTOFFICE WINFLEX WEB General Agent Pending Cases Status eApp Review & Approve Sales Illustration (Multiple Carriers) EBIX EXCHANGE PARAMED EXAM ORDER Service Provider Pending Cases Status eApp (Data & Forms) Pending Cases Status eApp (Data & Forms) Life Carrier 1 Life Carrier 2 Pending Cases Status eApp (Data & Forms) Life Carrier 3 21#22THE INSURANCE EXCHANGE CHANNEL ANNUITY EXCHANGE EBIX All Copyright Reserved. Depository Trust & Clearing Corp eApp Transmission Money Settlement To Carriers Multi-carrier Product Selection Brokerage Account Prefill eApp Submission Funds Check Compliance Review ANNUITYNET Client & Financial Advisor eApp Transmission Product Data & Forms Policy Values Carrier 1 Product Data & Forms Policy Values EBIX EXCHANGE Product Data & Forms Policy Values Carrier 2 Carrier 3 22#23THE EBIXHEALTH EXCHANGE HEALTH EXCHANGE - THE ONLY END-TO-END COMPREHENSIVE EXCHANGE TRUSTED BY THOUSANDS OF CARRIERS, THIRD PARTY ADMINISTRATORS, BROKERS, EMPLOYERS & CONSUMERS, DESIGNED TO ADDRESS THE SPECIFIC NEEDS ACROSS THE HEALTHCARE SERVICE VALUE CHAIN EBIX All Copyright Reserved. SaaS based Healthcare Benefits and Claims Management Multiple Benefit Lines : Medical, Dental, Vision, Specialty, FSA, HRA, HSA STD, LTD, Group Life/AD&D, COBRA Full Accounting and Premium Billing Electronic imaging/workflow Reinsurance EBIX HEALTH Claims & Encounter Processing Policy/Benefits Administration Workers Compensation Administration Employee Benefits & Risk Management Integrated Flexible Benefits Administration Integrated 'Web' & 'Voice-enabled' Benefits Communication Electronic Data Interchange (EDI) Optical Imaging/IOCR HIPAA Compliant Solutions COBRA Administration System Case Management System Analysis & Reporting 9 Million Insured Lives, used by Top carriers & 3 of the Top 10 TPAs in the US Online Quoting Agency management CRM/Sales Automation Advisor Tools Enrolment Services Health & Wellness Financial Services Cost & Care Guide Real Value Statement Dependent Audits NurseLine Employee Assistance Program (EAP) Multimedia Encyclopaedia Interactive Decision Tools Health Risk Assessments Wellness Calculators Drug Tools Exam Scheduling Recommendation Tools Care Guides Health News Mobile Technologies Marketing Technologies E-Learning, M-Learning CONVERGENCE IS KEY 23#24RISK COMPLIANCE SOLUTIONS EBIX All Copyright Reserved. Full service, outsourced solution for issuing, tracking and managing Certificates of Insurance Single largest provider of this service in the world EBIX RCS Risk Compliance Solutions Management services to help reduce uninsured exposure and improve corporate control Services offered to more than 1,000 organizations across 26 different industries End-to-end services for issuing, soliciting, validating and electronic storage of the certificates CONVERGENCE IS KEY 24#25POWERING THE INSURANCE BROKER eGlobal EbixASP 3 WinBeat4 • Fully integrated modules that support all phases of the business process, including Quotations, Policies, • Placing, Invoicing, Accounting, Claims & Analytics Multi-country, multi-currency and multi-lingual • ⚫ E-commerce-based, end-to-end, backend system to automate a broker's entire business • • Policy processing/Claims administration/Sales Management/ Underwriting/Rating etc. Built in-house, deployed across United States . Comprehensive e-commerce enabled business system designed for General Insurance. Intermediaries Insurance Intermediaries • Used by over 5,000 users across 600 businesses in Australia Interfaces with Ebix Exchange, On-line quoting and all of the major premium funding applications • Seamless integration to electronic trading platforms, Premium Funding systems, Banks, Payment Gateways and Document Management Systems EBIX All Copyright Reserved. MANY OF THE WORLD'S TOP BROKERS USE EBIX'S POLICY ADMIN BROKER SYSTEMS 25#26INSURANCE EXCHANGES CONTINUE TO GROW WITH RECURRING REVENUE STREAMS EBIX All Copyright Reserved. Insurance Exchanges 15% Transaction 81% RCS 5% REVENUE BY CHANNEL Professional Services EbixCash Exchanges 80% 5% Subscription 14% P&C CRM Life Insurance 4% 2% 2% Health 4% Annuities 4% Financial 84% EXCHANGE CHANNEL REVENUE International 86.9% United States 13.1% REVENUE SOURCE REVENUE BY GEOGRAPHY * Numbers as of Q1 2021 26#27EBIX CASH HUB OF FINANCIAL TRANSACTIONS |||#28EBIXCASH FIRST CONSUMER-FOCUSED DIGITAL CONGLOMERATE OF INDIA India's Story Driving Strong Growth in Payments and Travel Industry 5 Proven Organic & Inorganic Growth Strategy Attractive Market Leading Positioning Across 2 6 Robust Financial and Operating Performance Business Segments EBIX CASH Enabling the Digital Journey of Indian Consumers through a Highly Integrated Platform 3 Experienced Management Team Driving Indian Consumer's Online- to-Offline-to-Online Journey with Strong Customer Relationships 4 8 HUB OF FINANCIAL TRANSACTIONS Clear Roadmap for Future Growth and Profitability 28#29EBIXCASH HUB OF FINANCIAL TRANSACTIONS EbixCash's goal is to converge B2C & B2B processes, front-end & back-end processes, while creating distribution markets on one hand and enabling on-demand technology solutions on the other hand. EbixCash goal is to establish leadership and become an end-to-end one-stop place for the end customer and the back end players by converging all these mediums for Remittance, Foreign exchange, Payment Solutions, Insurance, Travel, Financial Technologies and E-Learning in India and abroad Ebix Cash is the only Financial Exchange in the Indian subcontinent with consistent strong operating margins, along with unparalleled organic and inorganic growth rate. EbixCash handles Gross Merchandise Value (GMV) of $18 billion (pre-Covid). HUB OF FINANCIAL TRANSACTIONS 29#30EBIXCASH FINANCIAL EXCHANGE GIFT CARDS BPO & LOGISTICS BILL PAYMENTS TELE-MEDICINE & HEALTHCARE TRAVEL 0 + + EBIX CASH Financial Exchange INSURANCE REMITTANCE E-LEARNING FOREX HUB OF FINANCIAL TRANSACTIONS FINANCIAL ( TECHNOLOGIES 30#31ATTRACTIVE MARKET LEADING POSITIONING ACROSS BUSINESS SEGMENTS MULTI-FACETED PLATFORM "HARD-TO-REPLICATE" SYNERGISTIC BUSINESS MODEL TAXI Travel B2B, B2C, Luxury, Corporate and MICE US$2.5bn annual GMV 9,800 corporate clients Financial Technologies Insurance, Travel, Lending, Asset / Wealth Mgmt. Technologies/Bus Exchanges #1 private banking & electronic trading solutions provider 90% market share in Straight Through Processing ("STP") 212,450+ agent network Accounts for 60% of luxury train ticket sales #1 in PMS, broking solutions and wealth management in India Leader in Sub-Saharan Africa Asset Management Taxi services for 20,000+ routes across 4,000+ cities Partners with all top 3 GDS co.s (Amadeus, Travelport, Sabre) Domestic Money Transfer FO 62mn domestic money transfer transactions in 2018 Largest installation base across Middle East and Africa Leader in trust banking in Philippines Payment Solutions Forex Remittances US$2.5bn bank note GMV (market maker in metros) c.77k EbixCash retail outlets in 2018 Caters to every 9th passenger /4th student travelling abroad Every 5th Non-banking Domestic Money Transfer is executed by EbixCash Note: MICE Meetings, incentives, conferencing, exhibitions. India's largest processor of global university fee payments INR 70% market share in India P2P inward cash remittance 213 Addresses 91% inward money transfer by Western Union Payment Solutions First player to start B2B IRCTC business 32% market share in B2B cash management services c.US$7bn annualized remittances processed in India Leader in issuance of gift cards among non-banks HUB OF FINANCIAL TRANSACTIONS 31#32ENABLING THE DIGITAL JOURNEY OF INDIAN CONSUMERS HIGHLY INTEGRATED PLATFORM ADDRESSING THE LIFECYCLE OF CONSUMPTION OF INDIAN CONSUMERS ACROSS MULTIPLE AREAS EBIX CASH Financial Technologies Payment Solutions Travel Others Travel Technologies Lending, Wealth & Asset Management Foreign Exchange & Travel Services International/ Domestic Money Transfer Flights Hotels Rail Healthcare Insurance $ Corporate Solutions & Insurance Technologies Stock Broking Technologies Gift Cards POS & Bill Payment Services Bus / Taxis Holidays MICE ர் Education Logistics Highly integrated platform comprising of synergistic and complimentary solutions- strong cross / up-selling capabilities Digital Journey of an Indian Consumer Shopping (Online Banking and Credit Travel Insurance And Offline) Education $ Applicable Ebix Cash Offering Wealth Management Forex/ Bill Payments Healthcare Remittances HUB OF FINANCIAL TRANSACTIONS 32#33HIGHLY INTEGRATED PLATFORM WITH STRONG CROSS/UP-SELLING CAPABILITIES HIGHLY INTEGRATED PLATFORM WITH SYNERGISTIC AND COMPLEMENTARY SOLUTIONS EBIX CASH Travel Flights Hotels Rail 1 Bus / Taxis Holidays MICE 11 Education 12 Healthcare Financial Technologies Payment Solutions 7 Lending, Wealth & Foreign Exchange Travel Technologies & Asset Management Travel Services 6 2 Insurance Technologies Stock Broking Technologies Corporate Solutions & Gift Cards 3 4 Travel Co.s/ Travel Agents BFSI Players / TMCs 13 Retail Customers Other Corporates Travel solutions to TMCs, travel agents, corporates & retail customers 4 Provision of financial tech solutions to banks, NBFCs, insurance 7 Purchase/sale of forex + tie-ups for card-related solutions 10 Insurance policies to corporate & retail clients (particularly existing travel/ other clients) 13 Sale of travel solutions to corporate + retail clients. Potential to cross-sell insurance, logistics, forex etc. Partnership with travel companies and GDS providers for travel content 5 Provision of forex, remittance and other solutions through agents / retail network 8 Provision of logistics solutions to corporates. Potential to cross-sell payments solutions 11 E-learning solutions to schools. Potential to cross-sell payments solutions HUB OF FINANCIAL TRANSACTIONS 5 International/ Domestic Money Transfer POS & Bill Payment Services 8 Logistics 9 Insurance 10 35EEBIX 3 Provision of travel tech solutions to travel players 6 Provision of gift cards, forex and other payment solutions to corporates 9 Distributor of insurance policies. Potential to cross-sell insurance tech 12 Online health care services to retail clients 33#34DRIVING INDIAN CONSUMER'S ONLINE-TO-OFFLINE-TO-ONLINE JOURNEY UNIQUE COMBINATION OF STRONG PHYSICAL FOOTPRINT AND DIGITAL PLATFORM THAT OFFERS WIDE COVERAGE WITH LAST MILE REACH - STRONG POTENTIAL TO LEVERAGE THE NETWORK ACROSS INDUSTRIES www Retail Agent Network Corporate EBIX CASH Unique "Phygital" Strategy Online Website Mobile Applica Channel E-learning Financial Technologies Travel Payment Solutions 320k+ retail outlets in India 29/12 International airports/seaports 4k/ 75k Cities/villages covered in India 90% coverage of 28mn passengers 212k+ Agent outlets in 5 countries 1.5mn+ App downloads 4.5mn+ Unique registered users 10,000+ Corporate clients 150+ Lending solution installations 60+ AMC clients globally 40+ Countries with lending solutions 32+ Banking Financial Services and Insurance clients in India 70,000+ classrooms 6,000+ 3mn+ schools students HUB OF FINANCIAL TRANSACTIONS 899+ team strength 34#35VISIONARY STRATEGIC PARTNERSHIPS PARTNERED WITH LEADING PLAYERS ACROSS INDUSTRIES Unique Partnerships ☐ Paytm MoneyGram ■ Offers money exchange of top 20 international currencies on Paytm's platform Multi-currency forex cards and forex cash can be ordered on a real-time basis ◉ ■ Allows EbixCash to access a vast user base of 200mn+ Paytm users in India Key Areas of Future Acquisitions Exclusively allows EbixCash's customers to access MoneyGram's platform to affordably and quickly send or receive money across 200+ countries Partnership to service inward remittance volume of US$3bn annually Travel Education Healthcare BSE Opportunity to venture into the significantly underpenetrated insurance market along with BSE, a marquee brand Enables BSE and EbixCash's combined 324k+ retail outlets to sell insurance R. REPUBLIC MEDIA NETWORK ■ First brand-integrated news studio ("EbixCash Studio") of India Enables EbixCash to penetrate 100mn+ homes, while giving the brand direct and high-impact visibility each time news is presented from the studio Payments HUB OF FINANCIAL TRANSACTIONS 35#36EBIXCASH AGENT NETWORK Rajasthan Jammu & Kashmir Himachal Pradesh Punjab Uttarakhand Haryana Delhi Uttar Pradesh Bihar Gujarat Madhya Pradesh Maharashtra Telangana GOA Karnataka Andhra Pradesh Kerala Tamil Nadu Chhattisgarh Jharkhand West Bengal Odisha Assam Meghalaya Tripura Arunachal Pradesh Manipur Mizoram Nagaland TOTAL AGENT NETWORK 320,000 EbixCash today has a bigger network than State Bank of India (SBI), the largest bank in India Andaman & Nicobar Islands HUB OF FINANCIAL TRANSACTIONS 36#37EBIX CASH 3 4 5 2 EBIXCASH PAYMENT SOLUTIONS EBIXCASH EBIXCASH TRAVEL FINANCIAL TECHNOLOGIES ELEARNING STARTUP INITIATIVES HUB OF FINANCIAL TRANSACTIONS 37#381 EBIXCASH PAYMENT SOLUTIONS PAYMENTS FOREX REMITTANCE |||#39EBIXCASH PAYMENT SOLUTIONS - FOREX EBIXCASH FOREX REACH IS UNPARALLELED Every 9th Passenger travelling overseas is an EBIXCASH World Money customer Market Maker for Bank Notes in all the metro cities of India Student Segment GMV -USD 900 Mn and Retail GMV- USD 280 Mn Every 4th Student travelling overseas is serviced by EBIXCASH World Money Bank Note GMV- USD 2.45 Bn India's largest partner for processing University Fee Payments Globally Only company dealing with maximum number of currencies in India HUB OF FINANCIAL TRANSACTIONS 39#40EBIXCASH PAYMENT SOLUTIONS - FOREX EBIXCASH FOREX REACH IS UNPARALLELED • Footprint across 69 cities with 147 branches • 89 counters present across International Airport • Covering 90% of 28 million passengers estimated to travel in 2019 Present at all metro airports (Delhi, Mumbai, Chennai, Kolkata, Hyderabad) Present across 12 seaports SE مرحبا بكم في دبي الدولي المبنى 3 Welcome to Dubai International Terminal 3 London School of Economics Dubai Airport DUTY FREE SHOPPING Duty Free Shop Golden Temple HUB OF FINANCIAL TRANSACTIONS Seaport Tirupati Temple 40#41EBIXCASH PAYMENT SOLUTIONS - FOREX FINANCIAL AIRPORT - PAYTM AND EBIXCASH WORLD MONEY Erain Tickes Zero Payment Gateway Charges Paytm Search for a Product, Brand or Category Currency USD Paytm Forex 24X7 Helpline: 99168 99168 Trains VCS Fores Azorgt Payments Food Walles | Track Order | Sell on Payton Mall | 24x7 Help I Paytm Wales Nomin Your Dag I Log ind Up Doorstep delivery within 48 hours SAVE BIG on Your Next International Booking Forex card/cash at best rates THE EUR AED 560 GBP AUD CAD Forex Card 74.81 234 85.77 20.57 5424 97.41 53.10 37.73 Cash 75.06 240 86.07 23.97 5453 97.55 53.34 58.10 New Delhi Select Product Or Pick One From The Popular Products Select Type Card Add Card/Cash Service Provider Centrum ww Select Currency US Dollar (USD) Add Cuinery Forex Amount Hume Delivery 99168 99168 Popular products Nelet WE See FAQS Card US Dolla 1000 Cash US DAIUSCI 500 Cash 25000 EBIXCASH SERVES AS A TRUE AIRPORT FOR FINANCIAL TRANSACTIONS HUB OF FINANCIAL TRANSACTIONS 41#42EBIXCASH PAYMENT SOLUTIONS - REMITTANCE Over 78% 1 market share in India P2P Inward Cash Remittance 3 Over 100,000+ live locations - expanding to over 150,000+ locations. in India and new markets such as Philippines (3rd largest inward remittance market) 5 Processes more than $7.02 bn annualized remittances in the country 2 Largest network partner of Western Union Globally holding 91% of its transactions. in India Digitalizing the process by transferring the funds in electronic format in EBIXPAY wallet or EBIXCASH Prepaid cards TOTAL MARKET SIZE OF MTO (CASH TO CASH): USD 9BN: 2 EBIXCASH GMV OF TRANSACTIONS: USD 7.02BN EBIXCASH IS A DOMINANT LEADER IN REMITTANCE BUSINESS IN INDIA HUB OF FINANCIAL TRANSACTIONS 42#43EBIXCASH PAYMENT SOLUTIONS - REMITTANCE INWARD MONEY TRANSFER: INDUSTRY LANDSCAPE Service for transferring Money from abroad to India. EbixCash accounts for 91% business of Western Union and 78% of the overall inward remittance market 11% MTO Market Share % 4% 2% 8% 5% 70% Western Union Market Share 1.90% 3.80% 0.40% 3.00% 91% ■ Western Union Ria Money Gram Transfast Xpress Money ■EBIXCASH Instant Cash, Others ■ Mannapur ■Muthoot Fincorp Supreme India Post * Total Market Size of MTO (cash to Cash): USD 9Bn: EbixCash GMV of transactions: USD 7.02 Bn **Note: Above figures are Market Estimates HUB OF FINANCIAL TRANSACTIONS 43#44EBIXCASH PAYMENT SOLUTIONS EBIXCASH CORPORATE SOLUTIONS Reward Programs % Meal Card Programs Petro | Medical | Jewelry Card Pj Payroll & Corporate Disbursements CORPORATE SOLUTIONS Incentive Solutions Forex Services Gift Cards Travel & Expense Management STRONG PHYGITAL LAST MILE REACH THROUGH 320,000 FRANCHISEES HUB OF FINANCIAL TRANSACTIONS 44#45EBIXCASH PAYMENT SOLUTIONS EBIXCASH PAYMENTS PRODUCT OFFERINGS 100012 Domestic Remittance Prepaid Card/Gift Cards ㅁㅁㅁ EBIX CASH E Bill Payment Travel TRAVEL TRAY Corporate Solutions Corporate Cash Management Services HUB OF FINANCIAL TRANSACTIONS "၈) 45#46EBIXCASH PAYMENT SOLUTIONS INDIA DOMESTIC FOOTPRINT •DMT Market stands at USD 5 Bn in India Domestic Money Transfer Indian Railway Catering and Tourism Corp • Every 5th non banking DMT is executed by EbixCash • EbixCash was the first player to start this business · • Every third railway ticket being booked by agents in B2B segment is through the EbixCash Portal Cash Management Services • ⚫ EbixCash holds 32% market in B2B cash management services • The total market is estimated to be USD 550 Million General Purpose Reloadable Cards • EbixCash holds 4% of the overall GPR card • The overall card is estimated to be USD 14 Billion Gift Card Ebix Cash is the leader amongst all non-banking players for issuance of Gift cards HUB OF FINANCIAL TRANSACTIONS 46#47EBIXCASH PAYMENT SOLUTIONS A FEW EXAMPLES अपोलो टायर्स धना धन डीज़ल ऑफर 400 मूल्य का विल्कुल मुफ्त. F 2017 www.aputxp.com apollo TIRES EBIX CASH Enriching Lives DIESEL TILL FRIE 1300 212 7070 Apollo Tyres scheme to reward their Customers with free Fuel on EbixCash Petro Card on purchase of commercial vehicle tyres RELIANCE GENERAL Flipkart It's a treat d by Qwikcilver HDFC BANK We understand your world 4766 5700 0000 8910 4766 01/17 01/18 KIRLOSKAR PUMPS BY MOBIQUEST VISA Kirloskar pumps/ Mobiquest launched a co-branded gift card for their retail partners, with EbixCash AUGMONT EBIX CASH Gold Coins BUY GOLD COINS ON EMI Reliance General Insurance rewarded their employees with Flipkart gift vouchers as incentives fulfilled by EbixCash Augmont India partnered with EbixCash to sell gold coins on EMI through our pan- india retail network HUB OF FINANCIAL TRANSACTIONS 47#48EBIXCASH PAYMENT SOLUTIONS FRANCHISEE OUTLETS RAY NAL LA INCASH Es Is's EBIX CASH ASH 153 TION SOPARIWALA CASH CAM EBIX CASH EBIX CASH G EBIX CASH (Formerly ItzCash) was only Physical & Dig EI CALM HUB OF FINANCIAL TRANSACTIONS 48#49EBIXCASH PAYMENT SOLUTIONS A SAMPLE SPECTRUM OF KEY CLIENTS LIC भारतीय जीवन बीमा निगम LIFE INSURANCE CORPORATION OF INDIA airtel BRITISH COUNCIL भारतीय स्टेट बैंक State Bank of India RELIGÁRE Values that bind D Mahindra Amway 8 IM Hilton HOTELS & RESORTS Henkel INDIRA GANDHI DELHI INTERNATIONAL AIRPORT hp $ Shalimar Paints HUB OF FINANCIAL TRANSACTIONS McDonald's B 49#50EBIXCASH PAYMENT SOLUTIONS THE ROAD AHEAD 0 Bahrain Airport and Retail network of branches United Kingdom - Retail branch network offering travel and foreign exchange services Retail Singapore Retail operation in partnership with Western Union Hong Kong Export hub for supply of currencies across the globe UAE Airport and Retail branch network Kuwait Airport and retail network Oman Retail Network of Branches Seychelles Retail Network of Branches Canada and USA - Retail operations for foreign exchange and money transfer services HUB OF FINANCIAL TRANSACTIONS 50 !!! 5#512 B2B EBIXCASH TRAVEL Luxury, Corporate and MICE B2C |||#52EBIXCASH TRAVEL EbixPay Gateway MICE Flights Adventure Travel Taxis Exchange Backend Bus Hotel EBIXCASH DMC Trucking Logistics Bus Rail Holidays HUB OF FINANCIAL TRANSACTIONS Ebixcash Travel Products Zillious via 52#53EBIXCASH TRAVEL - CORPORATE AND B2C LARGE BASE OF 212K+ AGENTS ACROSS 5 COUNTRIES COMPLEMENTED BY FAST GROWING B2C AND CORPORATE CHANNELS EBIX CASH B2B2C (Agent outlets) Network of 212k+ active agent outlets across five countries Large agents (IATA/non-IATA) Medium agents (cyber cafes, mobile recharge shops, hotel travel desks) • Small agents (shop keepers with internet facility) New product introductions will leverage on captive customer base - 2 mn+ daily customers walk-ins into Via outlets every day EBINCASH WONES GOSER EXCHANGE B2C (Web/Mobile) • 1.5 mn app downloads till date • 4.5 mn unique registered customers Exca Fly Abroad for Higher Studies India's Most Trusted Online Forex Store M The consumer demographic in Asian markets are accustomed to transacting face-to-face & with cash which makes VIA's large agent network unique & valuable 200% transaction growth in B2C business across website and app in India in FY16 Corporate 5,500+ sign ups on the corporate platform EBIX CASH Send Money Recharge and Pay Bills Add Money Cifferu Utility Bills Prepaid Mobile DTH Broadband/ Telephone Electricity HUB OF FINANCIAL TRANSACTIONS Travel Booking + Flight Bus Hotel Holiday Flight Offers e Home Profe Passbook !!! 6 53#54EBIXCASH TRAVEL - B2B FAST GROWING & PROFITABLE TRAVEL PLATFORM WITH DISTRIBUTION ACROSS INDIA AND SE ASIA Domestic flights International flights GDS Suppliers - Abacus, Galileo (over 100 FSCs) 30+ Direct Integrated LCCS Service Portfolio Travel Core & Assisted Value Add-Increasing Footfall Rail, Bus, Car Hotels, Guesthouse, Homestay Holiday packages Domestic Money Transfer Insurance, SME Lending Recharges, Bill Payments Assisted Ecommerce Over 300,000 Hotels through XML Partners Over 10,000 Direct Contracted Hotels 20+ Channel Managers Govt. Digitization initiatives are creating huge pool of unbanked population moving to digital economy VIA provides single point of ↑ distribution EbixCash (proprietary online platform) Distribution channels Mobile app / Website (B2C) 1.5 mn app downloads; 4.5 mn unique registered customers FY17E GTV: INR 8.81 Bn VIA agents (offline) (B2B2C) 105,000 active agents in 2,600 cities, 13,000+ pin codes Agents growing at over 20% p.a (net of attrition of ~3% p.a) FY17E GTV: INR 57.7 Bn Corporate booking platform 5,500+ Small and medium corporate signups FY17E GTV: 1.43 Bn India Indonesia India Philippines Singapore UAE Indonesia Singapore Thailand Oman UAE Oman Saudi Arabia Hongkong Malaysia India Philippines Source: PhoCusWright, Goldman Sachs Global Investment Research, DGCA HUB OF FINANCIAL TRANSACTIONS 54 54#55EBIXCASH TRAVEL - LUXURY AND MICE 2 FIFA WORLD CUP RUSSIA 2018 Meetings And Events EBIX CASH LARGEST MICE PLAYER IN THE COUNTRY Swiss Voyages The Rail Journey Sports Travel Luxury Holidays & Safari HUB OF FINANCIAL TRANSACTIONS ICC CRICKET WORLD CUP ENGLAND & WALES 2019 55#56EBIXCASH TRAVEL DECCAN ODYSSEY EBIXCASH IS A LEADING PLAYER IN THE TRAIN E-TICKETING MARKET ACCOUNTING FOR 60% OF THE LUXURY TRAIN TICKET SALES HUB OF FINANCIAL TRANSACTIONS 56#57EBIXCASH TRAVEL KEY CLIENTELE ICICI Bank HDFC BANK REPUBLIC. Kajaria TRANSFORM YOUR WORLD THE TIMES SONY TATA AIA RELIANCE LIFE m Mankindl onata ENTERTAINMENT TELEVISION ASIA SAMSUNG ACC cement Carrier Indiabulls HOME LOANS Ckotak Orient Travel Mutual Fund gsk Ambuja Cement HUB OF FINANCIAL TRANSACTIONS airtel BBC 57#58EBIXCASH TRAVEL IT TAKES DECADES OF CAPITAL & HARD WORK TO BUILD A MULTI-SIDED TRAVEL PLATFORM FROM THE GROUND UP... $ $2.5 Billion In Annual GMV 212,450+ Agent Network 2,200+ Employees 2 9,800 Corporate Clients 25 Branches HUB OF FINANCIAL TRANSACTIONS 58#593 EBIXCASH FINANCIAL TECHNOLOGIES Travel Technologies BPO Services Lending, Wealth and Asset Mgt. Bus Exchange Technologies Insurance Technologies |||#60EBIXCASH TRAVEL TECHNOLOGIES Thomas Travel Smooth Cook thomascook.in SOTC For Business Travel CWT International Travel House Keep Going DISCOVERY OVER 250 YEARS OF ( Cox & KINGS ESTO W 1758 8 million+ travel FCM segments TRAVEL SOLUTIONS™ churned EBIXCASH IS THE TECHNOLOGY BEHIND MOST OF THE LEADING TRAVEL PLAYERS IN INDIA HUB OF FINANCIAL TRANSACTIONS 60 60#61EBIXCASH BUS EXCHANGE TECHNOLOGIES India's Bus Exchange Leader powering Bus roadways of 18 states EbixCash recently implemented the bus exchange successfully for Rajasthan Roadways powering 5,800 buses Presently implementing the city of Pune's bus ecommerce software and firmware across 2000 buses. 1995 (Audio Aeviouncement) Passenger Infotainment Surveillance Passenger Counting AFCS On Board Processor GPS/GPRS Network Depot and Corp Office Solutions Depot Management Fuel management Stores and Inventory management In Bus Solution Maintenance Management OY Transport Analytics e HR Management Command and Control Center Customer Service Depot and Head Office 1 Traveler and Bus 2 Stations Solutions 3 Store and Workshop B Surveillance Cameras Passenger Ticket Counter Information Public WiFi 61 www#62EBIXCASH FINANCIAL TECHNOLOGIES WEALTH, ASSET AND LENDING MANAGEMENT Private Banking Solution Provider Large Investment Managers in the UK Lending Solution Installations Large trust banks in the Philippines #1 7 150+ 4 60+ #1 90% 40+ Wealth & Asset Management Companies across the world Provider of Electronic Trading Solutions STP Market Share Leader in India Leader in Africa & Middle East HUB OF FINANCIAL TRANSACTIONS Countries with Lending solutions 62#63EBIXCASH FINANCIAL TECHNOLOGIES WEALTH, ASSET AND LENDING MANAGEMENT PRODUCTS WEALTH MANAGEMENT Comprehensive solution covering the entire wealth management lifecycle. ■ Automates and integrates the end-to-end process with a modular suite of solutions Easy interface with core banking systems and multi-channel delivery (+7) BROKING PRODUCTS Robust rule-based risk mgmt framework ■Integrated market watch and arbitrage watch ■Real-time risk monitoring: gross exposure, margin limits Online collateral revaluation ASSET MANAGEMENT Complete asset management solution covering all front, middle and back office functions ■ Supports multiple asset classes and currencies Integrated fund accounting feature CUSTODY Multi-market, multi asset global custody solution to manage the entire custodial banking business Provides a client interface to view and transact COMPLIANCE SOLUTIONS Robust compliance monitoring solution covering UCITS, NURS, IMA and Prospectus Rules; Also includes leverage monitoring under the AIFMD regulations Plug and play interfaces with most popular custodian solutions - to take positions and trade data CORE PRODUCT MONEYWARE HAS WON MULTIPLE AWARDS UNDER THE PRIVATE BANKING TECHNOLOGY SPACE. HUB OF FINANCIAL TRANSACTIONS 命 63#64EBIXCASH FINANCIAL TECHNOLOGIES INSURANCE TECHOLOGIES BSE-EBIX JV INSURANCE EXCHANGE • We see BSE-Ebix as a large market opportunity •India's first non-aligned end to end insurance exchange Approved by IRDA ution, Distribution, both at the last mile and online End to end backend technology solutions. 35E BSE WORLD'S FASTEST EXCHANGE 89:48 CONGRATULATIONS 35E IAFSRIENCE SHE NOW HUB OF FINANCIAL TRANSACTIONS 64#65EBIXCASH FINANCIAL TECHNOLOGIES KEY CLIENTS भारतीय स्टेट बैंक AXIS SECURITIES State Bank of India ICICI Bank Sharekhan by BNP PARIBAS Bank of America Merrill Lynch Volkswagen airtel M W BDO *RELIGÁRE Values that bind Standard Chartered AXIS BANK Jio 32+ banking and financial institutions in India are EbixCash clients Top 3 Middle East banks are EbixCash Clients Top 3 Qatar banks are Ebix Cash Clients VOLVO HUB OF FINANCIAL TRANSACTIONS !dea 65#66EBIXCASH BPO SERVICES PORTFOLIO Banking, Financial Services and Insurance ■ Transaction Processing Focus Verticals & Service Offerings ■ Travel & Hospitality ■ Telecom Manufacturing ■ Retail Marquee Clientele ■ Contact Centre ■ Process Consulting ■ FOS / LMD Background ■ ~63 million calls and ~6 million data transactions processed annually Infrastructure & ■ Current capacity of more than 2,000 seats with expansion plans of 5,000 seats ■ Customised services and solutions 25+ blue chip companies in India ■ Clients relationship with an average tenure of 9+ years Facilities • 3,000+ employees across 6 state-of-the-art centres Multishore Delivery ■ 8 centres in India ■ 7 cities in India ■ Certified to ISO / IEC 27001:2013 Strong Delivery ■ Certified for ISO20001 ■ CMMI Maturity Level 3 certified Focus ■ ISO 20000-1 : 2011 Services & Clients HUB OF FINANCIAL TRANSACTIONS ☐ Manages a wide array of processes across verticals including Financial services, Insurance, Telecom, Travel, Retail, Media, Consumer Durables, Healthcare etc. ■ Offers multilingual (15 Indian languages - Hindi, Punjabi, Bengali, Marathi, Kannada, Telugu, Malayalam & Tamil including English as an anchor language) capabilities to clients 66#67EBIXCASH BPO SERVICES OFFERINGS • • CONTACT CENTER - VOICE CONTACT CENTER – NON VOICE - FEET ON STREET / LAST MILE DELIVERY IT/DIGITAL/OTHER TRANSFORMATION SERVICES Inbound Query/Request Handling Dealer/Partner Helpdesk Complaints Management Sales Queries Leads Nurturing Outbound Lead Generation Tele Sales Welcome Calling Upsell/Cross Sell Relationship Management. Soft Collections VOC/ Loyalty/Retention . Email Query Resolution Marketing Campaigns Welcome Emailers Chat Query resolution Sales Support Order Booking/Management Social Media Online Reputation Management WhatsApp Customer Service • Digital Marketing Channel development Order booking & fulfilment. Field Collections Field Referrals Last mile delivery HRO Hiring & On-boarding Payroll Management HR Helpdesk Knowledge Management • Designing and implementing knowledge storage access and maintenance Application development • Bespoke or custom software development, deployment and maintenance Application consulting Infrastructure Management Design - Process --- Install -- - Handover RPA with AI/ ML Process Consulting TELECOM Industries Served BFSI E-COMMERCE REAL ESTATE HEALTHCARE IT/TECH RETAIL MEDIA & ENT ☑ HUB OF FINANCIAL TRANSACTIONS AUTOMOBILE EDUCATION Toi HOSPITALITY 67#68EBIXCASH BPO SERVICES PARTNERSHIPS Retail, Real Estate, Health Care & Utility Media & Entertainment Banking, Financial Services, Insurance Hospitality, Travel & Transportation Telecom/IT/ITES Johnson Johnson INDIRA IVF pantaloons FRESH 548-Ch Pidilite HOME SHOP 18 naaptol shop right shop more gaana humess THE HINDU hathw@y TATA SKY HDFC BANK ADITYA BIRLA TVSX MONEY MasterCard Indusind Bank Standard Chartered CARS24.com JET AIRWAYS boo Sterling Mollary Cerenity! MICHELIN airtel VI lenovo HUB OF FINANCIAL TRANSACTIONS 68#694 E-LEARNING |||#70E-LEARNING SOLUTIONS VISION Content Mapped to National and State curriculum Comprehensive Digital Learning Solutions Largest repository of rich multimedia content CONVERGENCE IS KEY 4G Editable as well as ready lesson plans Available in multi-languages E-Learning Solutions 70#71EBIXCASH ELEARNING Vast repository of digital rich-media content across grades K-12 An Initiative of EBIX CASH Recipient of multiple awards including CII Customer Obsession Award 2019, Edtech Review 2018 etc. Subscribed by over 6,000 schools, 75,000 classrooms and 3 million students 350,000 sessions everyday and international partnerships Content available across 12 boards and 5 regional languages 71#72EBIXCASH ELEARNING MARQUEE CUSTOMERS Parthana School Sowdambika Group New Cosmo Education Society Delhi Public School Akal Academy Multiple Schools Zion Group Narayana Group Chief Khalsa Deewan Diocese Jalandhar 215 234 250 274 350 403 630 640 1450 classrooms classrooms classrooms classrooms classrooms classrooms classrooms classrooms classrooms Bangalore Trichy Multi City 4 Branches Bangalore Chennai Bangalore/ Mysore Nagpur Multi City Multi City 72#735 STARTUP INITIATIVES EbixCash Travel Technologies Ebix Cash Taxis Ebix Cash Logistics |||#74EBIXCASH LOGISTICS Start-up effort targeting to be the "Uber" of Trucking logistics B2B Trucking E-Commerce + B2B Trucking-Domestic Packers and Movers End to End Domestic and International Cargo End to End Shipping Cargo B2B End to End Retail Distribution Integrated Warehousing Solutions 74#75EBIXCASH LOGISTICS TOP CLIENTS Coca-Cola SAMSUNG borientbell tiles cello MOTHER DAIRY pepsi AIR INDIA NITCO TILES What the world walks on Reliance Industries Limited Dhunseri Kurl-on INDORAMA THIS COONI Sure N SAVE 1982 Since 1760 Lauris Berger Paint your imagination op asianpaints Samunnati VALUE CHAIN FINANCE SOMANY Tiles Bathware SHUBHALAKSHMI POLYESTERS LTD 75#76EBIXCASH TRAVEL - TAXIS NOW BOTH INTRA-CITY AND INTER-CITY SERVICE TRAVELERS • 50% money saving on one way trips All Inclusive Pricing Ensures simultaneous affordability and availability Good quality service by pre-approved drivers Door to door travel option, highly convenient 20,000+ ROUTES EBIXCASH CABS Cab E-commerce CORPORATE TRAVEL HUB OF FINANCIAL TRANSACTIONS DRIVERS ::: Zero investment, more business Choose where and when to go Choose own price for each trip Throughout the year business No haggling to get customers 4000+ CITIES 76#77EBIXCASH ROADMAP FOR FUTURE GROWTH AND PROFITABILITY MULTI-PRONGED GROWTH STRATEGY FOCUSED ON DRIVING ORGANIC GROWTH SUPPLEMENTED BY NICHE ACQUISITIONS Multiple "Branches" of Future Growth Payment Solutions Financial Technologies Now Countries Expansion into New Grow Bus Exchange Technologies Countries Travel Others Launch Destination Management Company Become Leading Packers and Movers Player Launch Payment Gateway and Own Integrated Products Expansion into New Countries Fill Portfolio Gaps in Travel (eg. Self-Driven Cars, Cruises) Distribution of Financial Products (Insurance, Credit, etc.) Important to Showcase Well-Integrated Business Model - Whole is Greater than the Sum of its Parts Along with growth within business segments, clear focus on cross-selling (eg. Payment solutions to logistics and e-learning clients, front-end distribution and collection services to NBFC clients, insurance technology to insurance clients etc.) HUB OF FINANCIAL TRANSACTIONS 77#78EBIX A FEW STRATEGIC THOUGHTS 目#79THE SECRET MANTRA *excludes payment solutions COST PRICE KEY COMPANY GOALS Operating Margins of 30-35% * On Demand SaaS recurring revenue streams SELLING PRICE 79#80EBIX'S ACQUISITION PHILOSOPHY Marketplace remains robust Immediately Accretive to earnings Operating Margins that can reach 30%* or more within 6 months of acquisition *excludes payment solutions High Cash Flow generation Complements our existing product base Constantly Evaluating companies Expands CRITERIA our sales reach Adds to our Customer base 75% or Low Customer Attrition more of rates Recurring revenue Looking at domestic and International exchanges SaaS and Cloud based solutions in our core verticals Usually Structure acquisitions with an Earn-out feature 80#81G EBIX All Copyright Reserved. THANK YOU! 66600000