Skip to main content

AI assistant

Sign in to chat with this filing

The assistant answers questions, extracts KPIs, and summarises risk factors directly from the filing text.

Firstsource Solutions Ltd. Investor Presentation 2023

Feb 2, 2023

61977_rns_2023-02-02_34536218-2435-4e5a-9e4f-d8d4cc0b9272.pdf

Investor Presentation

Open in viewer

Opens in your device viewer

==> picture [475 x 71] intentionally omitted <==

2[nd] February 2023

To:

National Stock Exchange of BSE Limited (Scrip Code: India Limited (Scrip Code: FSL) 532809) Exchange Plaza, Phiroze Jeejeebhoy Towers, Plot no. C/1, G Block, Dalal Street, Bandra-Kurla Complex Mumbai - 400 001 Bandra (East), Mumbai - 400 051

Dear Madam/ Sir,

Sub: Intimation of Analyst/ Institutional Investor Call

We are enclosing herewith a copy of the presentation regarding conference call to be held on Friday, 3[rd] February, 2023 at 09.00 Hours IST with the analysts and investors, on the financial results of the Company for the quarter and nine month ended 31[st] December 2022.

This is for your information and record.

Thanking you,

For Firstsource Solutions Limited

POOJA SURESH Digitally signed by POOJA SURESH NAMBIAR NAMBIAR Date: 2023.02.02 17:16:13 +05'30' Pooja Nambiar Company Secretary

Encl.: A/a

==> picture [475 x 102] intentionally omitted <==

1

Q3 FY2023 Earnings Update

==> picture [196 x 81] intentionally omitted <==

==> picture [49 x 24] intentionally omitted <==

© FIRSTSOURCE 2020 | CONFIDENTIAL I 2 February 2023

Disclaimer

Certain statements in this presentation concerning our future growth prospects are forwardlooking statements, which involve a number of risks, and uncertainties that could cause actual results to differ materially from those in such forward-looking statements. The risks and uncertainties relating to these statements include, but are not limited to risks and uncertainties regarding fluctuations in earnings, our ability to manage growth, intense competition in BPO services including those factors which may affect our cost advantage, wage increases, our ability to attract and retain highly skilled professionals, time and cost overruns on client contracts, client concentration, our ability to manage ramp-ups and growth, our ability to manage our international operations, reduced demand in our key focus verticals, disruptions in telecom infrastructure and technology, our ability to successfully complete and integrate potential acquisitions, liability for damages on our service contracts, performance of our subsidiaries, withdrawal of government fiscal incentives, political instability, legal restrictions on raising capital and acquiring companies outside India, unauthorized use of our intellectual property and general economic conditions affecting our industry. Firstsource may, from time to time, make additional written and oral forward-looking statements, including our reports to shareholders. The company does not undertake to update any forward-looking statements that may be made from time to time by or on behalf of the company.

==> picture [310 x 503] intentionally omitted <==

==> picture [49 x 19] intentionally omitted <==

2

© FIRSTSOURCE 2021 | 2 February 2023

Summary of Performance for the Quarter ended December 31, 2022

==> picture [789 x 410] intentionally omitted <==

----- Start of picture text -----

₹ REVENUES ₹ OPERATING MARGIN
₹ 15,049 Million ₹ 1,409 Million
(US$ 183 Million) (Margin 9.4%)
YoY growth of 2.8% YoY degrowth of 20.0%
Constant Currency YoY degrowth of 0.3% QoQ Margin expansion of 94 bps
₹ PROFIT AFTER TAX EARNINGS PER SHARE
(Diluted)
₹ 1,579 Million ₹ 2.25
(Margin 10.5%) per share
YoY growth of 16.6%
Q3FY’22 at ₹ 1.92 per share on reported basis
----- End of picture text -----

For Q3FY23, PAT includes Other Income of ₹ 319 Mn and ₹ 279 Mn on account of changes in the fair value of the liabilities for purchase of non-controlling interest and contingent considerations respectively.

==> picture [49 x 19] intentionally omitted <==

3

© FIRSTSOURCE 2021 | 2 February 2023

Summary of Performance for the Nine months ended December 31, 2022

==> picture [789 x 410] intentionally omitted <==

----- Start of picture text -----

₹ REVENUES ₹ OPERATING MARGIN
₹ 44,655 Million ₹ 3,835 Million
(US$ 561 Million) (Margin 8.6%)
YoY growth of 2.0%
YoY degrowth of 28.4%
Constant Currency YoY degrowth of 1.1%
₹ PROFIT AFTER TAX EARNINGS PER SHARE
(Diluted)
₹ 3,724 Million ₹ 5.31
(Margin 8.3%) per share
YoY degrowth of 8.0% 9MFY’22 at ₹ 5.74 per share
----- End of picture text -----

For 9MFY23, PAT includes Other Income of ₹ 319 Mn and ₹ 937 Mn on account of changes in the fair value of the liabilities for purchase of non-controlling interest and contingent considerations respectively.

==> picture [49 x 19] intentionally omitted <==

4

© FIRSTSOURCE 2021 | 2 February 2023

==> picture [373 x 447] intentionally omitted <==

----- Start of picture text -----

REVENUE SPLIT BY VERTICALS
Q3 FY23 Q3FY23 41.8% 34.2% 21.6% 2.4%
Q2FY23 43.4% 34.5% 20.2% 1.9%
Q1 FY23 46.3% 32.1% 20.2% 1.4%
Q4 FY22 49.0% 30.3% 19.0% 1.7%
Q3 FY22 48.3% 30.3% 19.6% 1.8%
Banking & Financial Services Healthcare
Communication, Media & Tech Diverse Industries
----- End of picture text -----

==> picture [372 x 448] intentionally omitted <==

----- Start of picture text -----

REVENUE SPLIT BY SERVICE LINES
Q3 FY23 Q3FY23 50.4% 29.2% 20.4%
Q2FY23 47.7% 30.9% 21.4%
Q1 FY23 46.6% 32.7% 20.7%
Q4 FY22 44.4% 36.5% 19.1%
Q3 FY22 45.9% 44.0% 10.1%
Digitally Empowered Contact Centre Intelligent Back Office
Platforms, Automation & Analytics
----- End of picture text -----

Note: Numbers have rounding off impact

5

© FIRSTSOURCE 2021 | 2 February 2023

Client Concentration

==> picture [905 x 417] intentionally omitted <==

----- Start of picture text -----

6 of Top 15 2 of Top 5 5 of Top 15
Q3 FY23 Q3 FY23 15.8% Mortgage servicers in Retail banks in the UK Mortgage Lenders in
the US the US
21.0 years
Total Tenure
Q2 FY23 14.9%
1,000+ 7 of Top 10 1 of Top 3
Hospitals in the US Health insurance/ managed Utility companies in the
care companies in the US UK
Q3 FY23 Q3 FY23 38.5%
18.1 years
Average Tenure
Q2 FY23 36.6%
Top Client
Top 5 Clients
----- End of picture text -----

==> picture [135 x 59] intentionally omitted <==

----- Start of picture text -----

5 of Top 10
Credit card issuers in
the US
----- End of picture text -----

==> picture [291 x 59] intentionally omitted <==

----- Start of picture text -----

1 of Top 2 2 of Top 5
Broadcasting and media Telecom and broadcasting
companies in the UK companies in the US
----- End of picture text -----

==> picture [49 x 19] intentionally omitted <==

6

© FIRSTSOURCE 2021 | 2 February 2023

==> picture [363 x 540] intentionally omitted <==

Annexure

7

© FIRSTSOURCE 2021 | 2 February 2023

Financial Performance (Quarterly)

In ₹ million Q3 FY 2021 Q4 FY 2021 Q1 FY 2022 Q2 FY 2022 Q3 FY 2022 Q4 FY 2022 Q1 FY 2023 Q2 FY 2023 Q3 FY 2023
Income from services 13,510 14,496 14,780 14,182 14,456 15,239 14,524 14,735 15,033
Other operatingIncome 142 132 68 104 182 201 199 147 16
Revenue from operations 13,652 14,628 14,848 14,286 14,638 15,439 14,724 14,882 15,049
Revenue from operations(USD Mn) $ 185 $ 200 $ 201 $ 193 $ 195 $ 206 $ 191 $ 187 $ 183.0
QoQ Growth % - Constant Currency 14.6% 7.0% 0.5% (4.0%) 1.4% 5.2% (5.1%) 0.2% (0.9%)
YoY Growth % - Constant Currency 23.8% 31.7% 38.5% 18.5% 4.9% 3.1% (2.7%) 1.8% (0.3%)
Personnel Expense 9,503 10,057 10,219 9,728 9,676 9,845 9,597 9,527 9,861
OperatingExpense 2,046 2,229 2,246 2,171 2,583 3,146 3,316 3,438 3,092
OperatingEBITDA 2,103 2,342 2,383 2,388 2,379 2,448 1,810 1,917 2,097
Operating EBITDA % 15.4% 16.0% 16.1% 16.7% 16.3% 15.9% 12.3% 12.9% 13.9%
Depreciation / amortization 513 534 584 597 617 697 639 663 687
Operating Margin 1,590 1,809 1,800 1,791 1,762 1,751 1,171 1,254 1,409
Operating Margin % 11.6% 12.4% 12.1% 12.5% 12.0% 11.3% 8.0% 8.4% 9.4%
Other Income /(expense) 7 (29) (10) 0 (5) (15) 54 482 610#
Interest Income /(expense), net (122) (127) (136) (148) (143) (177) (177) (187) (183)
Profit Before Taxes and exceptional item 1,476 1,652 1,654 1,644 1,614 1,560 1,048 1,549 1,837
Profit Before Taxes and exceptional item % 10.8% 11.3% 11.1% 11.5% 11.0% 10.1% 7.1% 10.4% 12.2%
Exceptional Item - (1,099) - - - - - - -
Profit Before Taxes 1,476 553 1,654 1,644 1,614 1,560 1,048 1,549 1,837
Profit Before Taxes % 10.8% 3.8% 11.1% 11.5% 11.0% 10.1% 7.1% 10.4% 12.2%
Taxes and MinorityInterest 265 87 309 293 259 236 197 255 257
Profit After Tax 1,210 467* 1,345 1,350 1,355 1,324 851 1,294 1,579
Profit After Tax % 8.9% 3.2% 9.1% 9.5% 9.3% 8.6% 5.8% 8.7% 10.5%
Diluted EPS(₹ /Share) 1.72 0.66 1.91 1.96 1.92 1.88 1.21 1.84 2.25

Note: Numbers have rounding off impact

*For Q4 FY21, PAT excluding the exceptional charge is INR 1,309 Mn or 8.9%

For Q3 FY23, Other Income includes ₹ 319 Mn and ₹ 279 Mn on account of changes in the fair value of the liabilities for purchase of non-controlling interest and contingent considerations, respectively.

==> picture [49 x 19] intentionally omitted <==

8

© FIRSTSOURCE 2021 | 2 February 2023

Financial Performance (Yearly)

In ₹ million FY 2017 FY 2018 FY 2019 FY 2020 FY2021 FY2022 9M FY2023
Income from services 34,569 34,315 37,867 40,502 50,327 58,657 44,293
Other operatingIncome 987 1,038 396 484 453 554 362
Revenue from operations 35,556 35,352 38,263 40,986 50,780 59,212 44,655
Revenue from operations (USD Mn) $ 530 $ 548 $ 548 $ 578 $ 685 $ 795 $ 561
YoY Growth % - Constant Currency 12.9% 2.8% 2.0% 6.6% 17.9% 14.6% (1.1%)
Personnel Expense 23,834 23,955 25,573 27,735 34,672 39,468 28,985
OperatingExpense 7,342 6,809 7,336 6,962 8,065 10,145 9,846
OperatingEBITDA 4,380 4,589 5,355 6,289 8,042 9,599 5,824
Operating EBITDA % 12.3% 13.0% 14.0% 15.3% 15.8% 16.2% 13.0%
Depreciation / amortization 590 659 744 1,852 2064 2,494 1,989
Operating Margin 3,790 3,930 4,610 4,437 5,979 7,105 3,835
Operating Margin % 10.7% 11.1% 12.0% 10.8% 11.8% 12.0% 8.6%
Other Income / (expense) (21) (11) (26) 17 (13) (30) 1,145#
Interest Income / (expense), net (400) (338) (225) (512) (496) (604) (546)
Profit Before Taxes and exceptional item 3,369 3,580 4,359 3,942 5,469 6,471 4,433
Profit Before Taxes and exceptional item % 9.5% 10.1% 11.4% 9.6% 10.8% 10.9% 9.9%
Exceptional Item - - - - (1,151) - -
Profit Before Taxes 3,369 3,580 4,359 3,942 4,318 6,471 4,433
Profit Before Taxes % 9.5% 10.1% 11.4% 9.6% 8.5% 10.9% 9.9%
Taxes and MinorityInterest 569 315 581 545 702 1,097 709
Profit After Tax 2,800 3,265 3,778 3,397 3,617* 5,374 3,724
Profit After Tax % 7.9% 9.2% 9.9% 8.3% 7.1% 9.1% 8.3%
Diluted EPS (₹ /Share) 4.08 4.73 5.45 4.89 5.13 7.62 5.31

Note: Numbers have rounding off impact

  • For FY2021, PAT excluding the exceptional charge is INR 4,499 Mn or 8.9%

For 9M FY23, Other Income includes ₹ 319 Mn and ₹ 937 Mn on account of changes in the fair value of the liabilities for purchase of non-controlling interest and contingent considerations respectively.

==> picture [49 x 19] intentionally omitted <==

9

© FIRSTSOURCE 2021 | 2 February 2023

Balance Sheet and Cash Flow Statement

In ₹ million As at 31-Dec-22 As at 31-Mar-22
Equity And Liabilities
Share Capital 6,970 6,970
Reserves & Surplus 27,705 23,360
Non- Controlling Interest 3 4
Borrowings 7,818 10,097
Other Non - Current Liabilities 6,812 8,672
Current liabilities 7,998 7,986
Total 57,307 57,087
Goodwill on Consolidation 29,644 27,208
Fixed Assets (includes Right-of-use assets) 8,397 10,258
Cash and Cash Equivalents 1,078 898
Current Investments 849 1,185
Trade Receivables (Billed + Unbilled) 10,279 9,605
Non - Current Assets 5,378 5,409
Current Assets 1,682 2,523
Total 57,307 57,087
In ₹ million Quarter ended
31-Dec-22
Nine Months ended
31-Dec-22
Cash Flow from Operating Activities
Operating Margin 1,409 3,835
Adjustment: Non-Cash and Other Income / (Expense) 667 888
Operating Cash before Working Capital 2,076 4,723
Add: Working Capital Changes (1,084) 162
Less: Income Taxes Paid (192) (547)
Net cash generated from Operating Activities (A) 800 4,337
Cash Flow from Investing Activities
Capital Expenditure, net (147) (417)
Proceeds from Current Investments 197 373
Net cash generated from / (used in) Investing Activities (B) 50 (45)
Cash Flow from Financing Activities
Net Decrease in Borrowings (709) (2,278)
Net Interest Paid (177) (567)
Payment of Lease Liabilities (360) (1,131)
Purchase of Treasury Shares, net 22 (151)
Net cash used in Financing Activities (C) (1,224) (4,128)
Net (decrease) / increase in Cash and Cash Equivalents (374) 165
Cash and cash equivalents at the beginning of the period 1,440 898
Foreign exchange gain on translating Cash and cash equivalents 11 14
Closing Cash and Cash Equivalents (incl. other balances with bank) 1,078 1,078
Cash and Cash Equivalents including Investments 1,927 1,927

==> picture [49 x 19] intentionally omitted <==

Note: Numbers have rounding off impact

10

© FIRSTSOURCE 2021 | 2 February 2023

Key Performance Indicators

==> picture [909 x 189] intentionally omitted <==

----- Start of picture text -----

Return on Equity Return on Capital Employed
17.6% 17.6%
17.7%
13.9% 13.9% 14.6% 14.1% 13.1%
12.9% 13.0% 12.3%
12.3%
FY18 FY19 FY20 FY21 FY22 Q3FY23 (TTM) FY18 FY19 FY20 FY21 FY22 Q3FY23 (TTM)
Note: FY21 ROE will be 16.1% excluding for exceptional item
----- End of picture text -----

Cash Flow (in ₹ million)

Debt Position (in ₹ million)

==> picture [918 x 201] intentionally omitted <==

----- Start of picture text -----

8,921
7,870 10,097
7,225 7,141
8,433
7,818
6,723
4,000 4,104 4,337 5,577 6,045 6,950
3,920 4,612
3,151 2,913 3,156 3,490 8,013
2,526 8,341
6,526 4,367
5,891
5,273
5,390
3,885 3,846
3,233 3,147 3,206
187 92 1,678
FY18 FY19 FY20 FY21 Adj FY22 Adj 9MFY23 FY18 FY19 FY20 FY21 FY22 9MFY23
Operating Cash Flow Free Cash Flow Long term Debt Short term Debt Net Debt
including current portion
----- End of picture text -----

Note: FY21 and FY22 OCF and FCF adjusted for advance received from customers

==> picture [49 x 19] intentionally omitted <==

11

© FIRSTSOURCE 2021 | 2 February 2023

Operating Metrics

Particulars Q3 FY2021 Q4 FY 2021 Q1 FY 2022 Q2 FY 2022 Q3 FY 2022 Q4 FY 2022 Q1 FY2023 Q2 FY2023 Q3 FY2023
Revenue by
Vertical
Banking & Financial Services 52.0% 52.2% 51.7% 48.9% 48.3% 49.0% 46.3% 43.4% 41.8%
Healthcare 25.3% 24.8% 26.7% 29.6% 30.3% 30.3% 32.1% 34.5% 34.2%
Communications Media & Tech 20.5% 20.8% 19.6% 19.5% 19.6% 19.0% 20.2% 20.2% 21.6%
Diverse Industries 2.2% 2.2% 2.0% 2.0% 1.8% 1.7% 1.4% 1.9% 2.4%
Revenue by
Service Lines
Digitally Empowered Contact Centre 48.9% 47.2% 46.3% 46.8% 45.9% 44.4% 46.6% 47.7% 50.4%
Intelligent Back Office 44.8% 47.9% 47.6% 45.6% 44.0% 36.5% 32.7% 30.9% 29.2%
Platforms, Automation & Analytics 6.3% 4.9% 6.1% 7.6% 10.1% 19.1% 20.7% 21.4% 20.4%
Revenue by
Geography
US 67.1% 67.4% 67.6% 68.4% 69.8% 70.7% 68.4% 67.2% 64.9%
UK 31.5% 31.5% 31.1% 30.1% 28.5% 27.5% 30.1% 31.3% 34.1%
Rest of World 1.4% 1.1% 1.3% 1.5% 1.7% 1.8% 1.5% 1.5% 1.0%
Revenue by
Delivery
Offshore 29.8% 30.6% 29.3% 31.0% 30.8% 27.0% 27.4% 25.9% 25.1%
Onshore 70.2% 69.4% 70.7% 69.0% 69.2% 73.0% 72.6% 74.1% 74.9%
Top Clients
Revenue
Top client % 17.5% 17.5% 16.3% 15.8% 15.2% 14.8% 15.2% 14.9% 15.8%
Top 5 client % 41.4% 42.3% 42.0% 41.2% 37.6% 35.9% 36.4% 36.6% 38.5%
Other Metrices Total employees (end of period) 26,618 28,004 27,916 27,835 27,398 26,557 25,234 23,932 23,627

Employees in India
15,381 16,289 16,677 16,976 16,826 16,045 14,769 13,431 12,489

Employees outside India
11,237 11,715 11,239 10,859 10,572 10,512 10,465 10,501 11,138
Net Addition 2,658 1,386 (88) (81) (437) (841) (1,323) (1,302) (305)
Offshore Attrition (180 days+) 28.8% 28.6% 29.2% 36.2% 45.2% 45.9% 43.8% 45.7% 44.4%
Onshore Attrition (180 days+) 34.6% 40.0% 54.8% 68.8% 59.5% 50.2% 56.9% 52.0% 47.2%

Note: Attrition data for Onshore and Offshore till FY2022 was depicted on a quarterly annualized basis. Effective Q1FY23 it will be depicted on a Trailing Twelve Months (TTM) basis | Numbers have rounding off impact

==> picture [49 x 19] intentionally omitted <==

12

© FIRSTSOURCE 2021 | 2 February 2023

Forex Hedges

Outstanding FX hedges at $77.5 million for USD and £54.6 million for GBP

GBP-INR GBP-INR USD INR USD INR
Period Hedged Average Rate Hedged Average Rate
0-12 Months £38.9 ₹101.5 /£ $ 68.5 ₹82.6 /$
12-24 Months £15.8 ₹102.9 /£ $ 9.0 ₹83.9 /$

==> picture [49 x 19] intentionally omitted <==

13

© FIRSTSOURCE 2021 | 2 February 2023

Prior Period Reports

(Hyperlinks)

Annual Report ESG Report Published Results Published Results Published Results Published Results Published Results Investor Presentations Investor Presentations Investor Presentations Investor Presentations Investor Presentations Press Release Press Release Press Release Press Release Press Release
FY2022 FY2022 FY2023 Q1 Q2 Q3 FY2023 Q1 Q2 Q3 FY2023 Q1 Q2 Q3
FY2022 Q1 Q2 Q3 Q4 FY2022 Q1 Q2 Q3 Q4 FY2022 Q1 Q2 Q3 Q4
FY2021
FY2021 Q1 Q2 Q3 Q4 FY2021 Q1 Q2 Q3 Q4 FY2021 Q1 Q2 Q3 Q4
FY2020
FY2020 Q1 Q2 Q3 Q4 FY2020 Q1 Q2 Q3 Q4 FY2020 Q1 Q2 Q3 Q4
FY2019
FY2019 Q1 Q2 Q3 Q4 FY2019 Q1 Q2 Q3 Q4 FY2019 Q1 Q2 Q3 Q4
Factsheet Factsheet Factsheet Factsheet Factsheet Transcripts Transcripts Transcripts Transcripts Transcripts Shareholding Pattern Shareholding Pattern Shareholding Pattern Shareholding Pattern Shareholding Pattern
FY2023 Q1 Q2 Q3 FY2023 Q1 Q2 Q3 FY2023 Q1 Q2 Q3
FY2022 Q1 Q2 Q3 Q4 FY2022 Q1 Q2 Q3 Q4 FY2022 Q1 Q2 Q3 Q4
FY2021 Q1 Q2 Q3 Q4 FY2021 Q1 Q2 Q3 Q4 FY2021 Q1 Q2 Q3 Q4
FY2020 Q1 Q2 Q3 Q4 FY2020 Q1 Q2 Q3 Q4 FY2020 Q1 Q2 Q3 Q4
FY2019 Q1 Q2 Q3 Q4 FY2019 Q1 Q2 Q3 Q4 FY2019 Q1 Q2 Q3 Q4

==> picture [81 x 29] intentionally omitted <==

----- Start of picture text -----

Subscribe
----- End of picture text -----

Click on ‘ Get quarterly updates for future events

==> picture [49 x 19] intentionally omitted <==

14

© FIRSTSOURCE 2021 | 2 February 2023

==> picture [755 x 216] intentionally omitted <==

----- Start of picture text -----

US UK PHILIPPINES
About Us 4,213 15 5,888 10 909 2
12,489 11
128 1
INDIA
MEXICO
----- End of picture text -----

==> picture [26 x 27] intentionally omitted <==

==> picture [26 x 26] intentionally omitted <==

==> picture [26 x 27] intentionally omitted <==

==> picture [26 x 26] intentionally omitted <==

Established in 2001

Revenues of ₹ 59.0 Billion

(approximately $795 Million) in FY2022

23,627 Firstsourcers

across US, UK, Mexico, India and Philippines

Leaders in chosen segments

==> picture [27 x 27] intentionally omitted <==

==> picture [27 x 26] intentionally omitted <==

==> picture [27 x 26] intentionally omitted <==

Domain driven BPM services company

Leveraging a ‘Digital First, Digital Now’ approach to solve key customer problems

150+ global clients including

17 Fortune 500 companies and 9 FTSE 100 companies

Publicly Traded on Indian Stock Exchanges

NSE: FSL BSE: 532809 Reuters: FISO.BO Bloomberg: FSOL:IN

across Banking & Financial Services, Healthcare, Communications, Media & Technology and Diversified Industries

==> picture [49 x 19] intentionally omitted <==

15

© FIRSTSOURCE 2021 | 2 February 2023

Leader in US non-bank lender market

Leading CX service providers in the UK across Media and BFS segments

Top 5 Consumer debt collections agency in the US

Top 3 in the chosen Revenue Cycle Management segments in US Healthcare

==> picture [960 x 424] intentionally omitted <==

----- Start of picture text -----

Customer Service Mortgage Operations
Voice | Chat | Chat Origination | Servicing | • Asset Finance​ • Hospital Providers
bots | Text | Social Title, Closing & Escrow • Credit Cards​ • Health Plans Eligibility & Receivables
Enrollment Services Management
Digital Collections • Mortgages​ • Health Services
Compliance and Risk
Management • Retail & SME Banking​ • Med. Devices Debt Collections Intelligent Automated
• FinTech Eligibility & Enrollment
Dispute Management
Complaints Handling &
Remediation Digital Mailroom Intelligent Data
Factoring & Discounting Operations Capture
Lead Management, Sales
Conversion & Onboarding Claims Adjudication Telehealth Tech
Default Management
& Adjustments Support
Analytics and Business
Intelligence Fraud Management
Meter 2 Cash Self-Service /
Operations Digital Deflection Onboarding Inbound Sales and
Outbound Sales
Inbound Sales
Customer Insights / Tier 1 & Tier 2 Retention
and Outbound
Automation Customer Support and Loyalty
Sales & Service
• Utilities • Streaming Services Self-Service / Customer Insights /
Level 1 & Level 2Customer Support Complaints handling • Government Entities • Cable TV, Broadband and Telephony Contact Avoidance Analytics
• Consumer Tech Complaints Handling Revenue
• E-Commerce and Remediation Generation
Retention Debt Management • Shared Economy
and Loyalty
Q3FY2023 E
----- End of picture text -----

==> picture [49 x 19] intentionally omitted <==

Strong Domain Driven Operating Model

16

© FIRSTSOURCE 2021 | 2 February 2023

Part of RP-Sanjiv Goenka Group

Carbon Black Power Consumer & Retail Media & Entertainment IT-Enabled Services Education & Infrastructure Combined Revenues of Sports $4.14 Billion in FY2022

==> picture [39 x 85] intentionally omitted <==

==> picture [39 x 30] intentionally omitted <==

==> picture [40 x 29] intentionally omitted <==

==> picture [52 x 27] intentionally omitted <==

==> picture [51 x 25] intentionally omitted <==

==> picture [40 x 25] intentionally omitted <==

==> picture [50 x 21] intentionally omitted <==

==> picture [54 x 20] intentionally omitted <==

==> picture [49 x 34] intentionally omitted <==

==> picture [64 x 33] intentionally omitted <==

==> picture [42 x 30] intentionally omitted <==

==> picture [41 x 23] intentionally omitted <==

==> picture [51 x 22] intentionally omitted <==

==> picture [55 x 21] intentionally omitted <==

==> picture [58 x 17] intentionally omitted <==

==> picture [55 x 12] intentionally omitted <==

==> picture [40 x 37] intentionally omitted <==

==> picture [74 x 35] intentionally omitted <==

==> picture [36 x 35] intentionally omitted <==

==> picture [52 x 34] intentionally omitted <==

==> picture [39 x 30] intentionally omitted <==

==> picture [55 x 26] intentionally omitted <==

==> picture [76 x 30] intentionally omitted <==

==> picture [58 x 18] intentionally omitted <==

==> picture [61 x 32] intentionally omitted <==

==> picture [89 x 31] intentionally omitted <==

==> picture [22 x 29] intentionally omitted <==

==> picture [37 x 17] intentionally omitted <==

==> picture [48 x 17] intentionally omitted <==

==> picture [131 x 9] intentionally omitted <==

----- Start of picture text -----

© FIRSTSOURCE 2021 | 2 February 2023
----- End of picture text -----

17

Select Recognition

  • Everest Group ISG • SILVER in the Most • Customers at the Heart of • Business Services • Ranked in the HFS

  • • • Leader in ISG Provider Effective Distributed Everything™Gold Winner Ranked as top Business Process Services (BPS) Lens™quadrant report for Workforce category • Customer Driven Business Project of the Year Top 10: HCP Services Providers 2022 Providers 2022 Change and Transformation,

  • provider in ‘BPS Top 50™’ Contact Centre – GOLD Winner Report report Customer Experience • Best Customer Service, Services for Europe GOLD Winner

  • • Leader in NelsonHall's • Mortgage Professional • NASSCOM Business • India CSR Leadership • European Contact Centre & • BPO Innovation NEAT Mortgage and Loan America’s Top Process Innovation Summit 2022: Ranked Customer Service Awards Summit & Awards Services 2022 report for Mortgage Employer Awards 2022: Strong second in the COVID-19 (ECCCSA): Silver for the 2022: Stratus Award the Overall Market 2022 Leverage of Tier 2 & Tier Warrior category ‘Most Effective Learning for Cloud Computing Segment 3 Cities and Development Initiative’ for Healthcare Cloud

  • Ranked in the HFS Top 10: HCP Services Providers 2022 Providers 2022 Report

Industry Associations

==> picture [182 x 40] intentionally omitted <==

18

© FIRSTSOURCE 2021 | 2 February 2023

ESG at Firstsource

We’re an ISO 27001, ISO 45001, ISO 14001, ISO 9001, ISO 50001 and BS OHSAS 18001 certified company with ESG practices as a foundational element for long-term value creation.

==> picture [338 x 147] intentionally omitted <==

Environment Social Governance 210% 44% 50% Increase in renewable energy consumption of the total workforce comprise of women of the Board consist of Independent Directors (India operations) 7.16% 20% 14.29% of the employees voluntarily of the Independent Directors of Renewable energy mix disclosed their disabilities the Board are Women 14.48% 92,705 53.66% Reduction in water consumption Hours of total training Consist of Promoter shareholding 100% $1,160,885 Zero Responsible disposal of electronic waste Spent on trainings of employees Political contributions India Operations) 16.42% 23K Zero Reduction in Scope 3 emission Lives impacted through various CSR projects Incidents of Bribery and Corruption (UK operations) $204,865 Zero Spent directly through our CSR Fines and penalties related to unethical projects in India business practices*

==> picture [32 x 117] intentionally omitted <==

FY 2022 Key Highlights

Conducted a ESG diagnostic to review and benchmark existing policies and processes, identified opportunities to further deepen ESG within your strategy, operating model and culture

Assessed materiality of industry specific ESG themes and consulted 140+ internal and external stakeholders to identify your priorities Drafted an overarching ESG Policy , applicable to all entities

Integrated ESG within Enterprise Risk Management framework by mapping potential risks, assessed the impact of emerging ESG risks on the business and identified mitigation strategies

Developed a pathway towards ESG leadership by crafting actions plans and functional roadmaps

ESG report for FY22 has been published - https://www.firstsource.com/esg

==> picture [49 x 19] intentionally omitted <==

*anti-competitive, anti- corruption, bribery standards, information security breaches or cyber security incidents

19

© FIRSTSOURCE 2021 | 2 February 2023

ESG at Firstsource - A year of progress; Growing with purpose

ESG Governance Framework at FSL

We recognize that to truly integrate ESG within organizational goals and objectives, a defined framework of roles and responsibilities reporting to the Board of Directors is crucial. Our 360-degree ESG governance arrangement aims to gradually build awareness across the organization, encouraging teams to collaborate and identify opportunities within Firstsource and beyond A new role “ ESG Lead ” has been designated to drive ESG at Firstsource.

==> picture [490 x 138] intentionally omitted <==

Key Focus Areas

Our Contribution Towards SDGs

ESG Strategy and Roadmap

  1. Ethical Governance

  2. Empowering Workplace

  3. Customer Centricity

  4. Technology And Innovation

  5. Community Impact

  6. Sustainable Economic Growth

  7. Responsible Supply Chain

  8. Environment And Climate Action

Firstsource is determined to move swiftly to create a better future in accordance with the Sustainable Development Goals (SDGs) established by the United Nations.

We are committed to creating long term value for which we have determined that UN SDG 3 (good health and well-being) and SDG 8 (decent work and economic growth) have the greatest potential to have a positive impact.

==> picture [65 x 66] intentionally omitted <==

==> picture [66 x 66] intentionally omitted <==

==> picture [65 x 66] intentionally omitted <==

==> picture [65 x 66] intentionally omitted <==

==> picture [66 x 66] intentionally omitted <==

==> picture [65 x 66] intentionally omitted <==

==> picture [568 x 260] intentionally omitted <==

==> picture [49 x 19] intentionally omitted <==

20

© FIRSTSOURCE 2021 | 2 February 2023

Corporate Management Senior Leadership

==> picture [185 x 185] intentionally omitted <==

==> picture [82 x 84] intentionally omitted <==

==> picture [77 x 84] intentionally omitted <==

Dinesh Jain

Dinesh Jain Prashanth Nandella Finance Operations

==> picture [80 x 83] intentionally omitted <==

==> picture [74 x 74] intentionally omitted <==

==> picture [74 x 77] intentionally omitted <==

Randall Shafer

Randall Shafer Venkatgiri Vandali Rajiv Malhotra Healthcare Healthcare & Europe Business Provider Lifesciences

Vipul Khanna

MD & Chief Executive Officer

==> picture [77 x 78] intentionally omitted <==

==> picture [77 x 77] intentionally omitted <==

==> picture [78 x 78] intentionally omitted <==

Sameer Ahluwalia

Shuchika Sahay

Arjun Mitra

Collections Banking & Financial Human Resources Services

==> picture [78 x 81] intentionally omitted <==

Sundara Sukavanam

Digital Services

==> picture [49 x 19] intentionally omitted <==

21

© FIRSTSOURCE 2021 | 2 February 2023

Helping customers stay ahead of the curve through transformational technologies and capabilities

Firstsource Solutions Limited, an RP-Sanjiv Goenka Group company, is a leading provider of transformational solutions and services spanning the customer lifecycle across Healthcare, Banking and Financial Services, Communications, Media and Technology and other industries.

Our ‘Digital First, Digital Now’ approach helps organizations reinvent operations and reimagine business models, enabling them to deliver moments that matter and build competitive advantage.

With an established presence in the US, Mexico, the UK, India and the Philippines, we act as a trusted growth partner for over 100 leading global brands, including several Fortune 500 and FTSE 100 companies.

www.firstsource.com

22

© FIRSTSOURCE 2021 | 2 February 2023