Computer Age Management Services Limited — Investor Presentation 2021

Oct 19, 2021

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19[th] October 2021

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 Sirs / Madam,

Sub: Update on Account Aggregator Business

The company’s wholly owned subsidiary – CAMS Financial Information Services Private Limited (“CAMS FINSERV”) was issued the Certificate of Registration(“CoR”) as a NonBanking Finance Company (Account Aggregator) by the Reserve Bank of India on 24[th] February, 2020. CAMS FINSERV was one of the earliest entities to be issued the CoR.

The Account Aggregator platform has now been formally launched and major banks have joined the Account Aggregator (AA) network that will enable customers to easily access and share their financial data. The CAMS Finserv AA Platform, will soon be available for all customers.

ICICI Securities will host a conference call on the Account Aggregator Opportunity as relevant for various constituents. Company Management will participate in the call. The invite for the call and the presentation to be used is attached herewith.

We request you to take the same on the records

Thanking you,

Yours truly

For Computer Age Management Services Limited

G MANIKANDAN Digitally signed by G MANIKANDANDN: cn=G MANIKANDAN c=IN o=PersonalReason: I am the author of this documentLocation: Date: 2021-10-19 17:34+05:30

G Manikandan Company Secretary

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is pleased to invite you to the

Account Aggregator Opportunity Conference Call

with

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CAMS Financial Services Pvt Ltd

(a wholly owned subsidiary of CAMS)

Represented by

\

Mr. Soumendu Sekhar Ganguly, Chief Product Officer

Mr. Anish Mathew, Business Head – CAMS Account Aggregator Mr. N.R. Sudarshan, Head - Sales & Alliances

on

Thursday, October 21, 2021

at 16:00 hrs India Time

Webex meeting details: Meeting link: Link Meeting number: 2558 148 7215 Meeting password: cams@123

Call Co-ordinator

Mr. Jaideep Goswami, Head of Equities, +91 98217 33233 | Jaideep.goswami@icicisecurities.com Mr. Ansuman Deb: Phone: +91 22 6637 7312, e-mail: ansuman.deb@icicisecurities.com Mr. Ravin Kurwa: Phone: +91 22 6637 7653, e-mail: ravin.kurwa@icicisecurities.com

For any clarification, please contact:

Ms. Divya Purohit: Phone: +91 22 6637 7454, e-mail: divya.purohit@icicisecurities.com Mr. Rushad Kapadia: Phone: +91 22 6637 7334, e-mail: rushad.Kapadia@icicisecurities.com Ms. Seema Sehgal: Phone: +91 11 4221 8511, e-mail: seema.sehgal@icicisecurities.com

Introducing CAMS FinServ “ Join the Revolution ” Account Aggregator

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Oct 2021

Brief Background

Data privacy of financial details was an issue with paper based or online transaction

To address these issues in 2016 the central bank had accredited a new category of non-banking financial companies to act as Account Aggregators (AA)

RBI accords the licenses to those who want to operate as an AA

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Lending was a Borrowers data was challenge for new spread across borrowers having no multiple avenues of credit history investment and accessing them at a consolidated level was a challenge

Created through an inter-regulatory decision by RBI, SEBI, IRDAI, PFRDA and Financial Stability and Development Council (FSDC)

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2

Key Stakeholders in AA framework

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Financial Information Provider (FIP)

They hold your data because you have consumed a service with them like your Bank, Mutual Fund, Insurance Company, etc.

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Financial Information User (FIU)

They will consume the data from an FIP to provide various services to the end consumer like financial planning, lending, etc.

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Customer

They own the data and are seeking data from FIP to be shared with FIU for an end service

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Banks can play a So what does an dual role Account Aggregator (AA) do?

• Both as an FIP and an FIU since they hold financial information and they provide a range of financial services

• An Account Aggregator is a Consent Manager for financial data

• They connect FIP and FIU

• AA works only as an enabling platform for data sharing

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3

Financial Information Sharing and Consent Process

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Request for Data
Consent to Share
Electronic Consent Encrypted Data Flow
Data Access 3
Artefact MeitY
Notifications
Consent to
Financial Information Providers 4 Financial Information Users
share data
Banks Flow-Based Credit
Mutual Fund Personal Finance The picture can't be displayed.
Houses 2 Account 1 Management
Aggregator
Request for Data
Insurance Wealth
Providers Through Open APIs Management
Tax/GST
Robo Advisors
Platform
5
E2E Encrypted Data Flow
based on User Consent
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The Account Aggregator will facilitate consented sharing of financial information in real-time

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4

The Power of Customer Consent

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User data cannot be
Users consent is User can give a one
read by AA as it is mandatory for the time or a time frame
fully encrypted data sharing based consent
Customer can pause AAs cannot store or
or revoke the consent re-sell data
completely
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5

Benefits for Financial System

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The availability of reliable and machinereadable data from the source to the recipient can bring paradigm change to the way in which Financial asset related information is shared

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Banks and NBFCs will be less wary of lending since they have access to an updated and extremely trust-worthy investment data of the borrower

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AA can also facilitate wealth management platforms to get a holistic view of the customer’s financial information which will help to sharpen the investment portfolio construct

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We believe this will propel the economy in a big way since lending to individuals and smaller enterprises, who go through cumbersome paper based processes can now have faster access to credit

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6

A Catalyst for Financial Inclusion

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This is empowering an It will be a natural extension of JAM
individual with their own Trinity (Jhandhan, Aadhar & Mobile)
financial information in true
Enables lending process
sense
Enables better ways to People have power to
invest money decide how others will use
their data
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7

The Account Aggregator Value-adds to Individuals & SMBs

AA will enable Individuals and SMBs 100% control over their data.

Customer’s need for in-person visit to his information providers will stop. At his convenience he can request for information to be shared.

Financial data scattered across will be seen in one statement

Avoids manipulation of papers by third party adversely impacting credit worthiness. Encrypted data sharing enables sanctity & safety of customer’s data / privacy.

Cash flow based availing loans is no more a distant dream. Financial planning becomes more efficient

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8

Use Case for Financial Planning

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360-degree view of all your
financial assets
Better Advisory services to your
2
clients
IT Computation, Budget setting
3 and tax planning, Portfolio
management
Analytics that can offer
4 personalized insights into financial
well being, planning, goal setting
Notifications, MIS, Consent
5 Management Dashboard,
Reminders and Alert notifications
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9

Use Case for NBFCs

Cost reduction in origination & loan processing is possible Enhanced frequency of data sharing is possible by setting up consents

Lenders , PFM, Financial Planners will have ease of consuming data for their qualitative decision making

Speed of decision-making and loan disbursals will improve

Reliability of data shared is very high as it comes directly from the providers

Accurate, latest and 100% reliable data is available to FIUs for quick decision

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10

One of the first AA to get RBI license

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11

Our Ownership & Subsidiaries

Ownership

• CAMSfinserv is a wholly owned subsidiary of Computer Age Management Services Limited (CAMS)

• CAMS was founded in 1988 and institutionally owned until September 2020

• Company listed w.e.f 1[st] October, 2020, subsequent to an initial public offering through OFS by the existing shareholders

• Present share-holding:

• 31% – Warburg Pincus, a leading Global Private Equity Firm

• ~49% – Institutional shareholders, Mutual funds, AlFs and FIPs

• Remaining is held by Public

Subsidiaries

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Insurance
KYC Services Software Development Account Aggregator
Repository & Services
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12

Thank You

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