INVESTOR

On-Demand
Solutions for the PRESENTATION
Insurance, Financial,
e-Governance &
Healthcare sectors

1 Ebix Way
Johns Creek
GA 30097
Phone: (678) 281 2020

www.ebix.com
DISCLAIMER
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.

2
TABLE OF CONTENTS
EXECUTIVE SUMMARY ………………………………………………..……………………………….............. 05

FINANCIAL SNAPSHOT ………………………………….……….… ………………………………............… 12

INDUSTRY & MARKET OVERVIEW ……………………………….……………..………………………..….. 18

EBIX EXCHANGE (INSURANCE) ………………………………………………………….………………...... 22

EBIXCASH (FINANCIAL EXCHANGE) ……………………………………………………………………..…. 32

EBIXCASH WORLD MONEY …………………………………………………………………..………………………..…... 36

EBIXCASH REMITTANCE, RETAIL & CORPORATE PAYMENT EXCHANGES ……………………………..………. 44
EBIXCASH TRAVEL INITIATIVE …………………………………………………………………..………...…..………..... 59
EBIX SMARTCLASS – ELEARNING INITIATIVE ……………………………………..………………………….............. 73
EBIX BSE JV – INSURANCE EXCHANGE ……………………………………..…………………………....................... 77
EBIXCASH WEALTH SOLUTIONS ……………………………………………………………………….……………....… 82
EBIXCASH LENDING SOLUTIONS…………………………………………………………………..…………………...… 86
ROUTIER – EBIXCASH LOGISTICS DIVISION …………………………………………………………………..…….... 91
A FEW STRATEGIC THOUGHTS …………………………………………………………………..…………………………....... 97

3
EBIX MISSION
Ebix goal is to be the largest FinTech company in the world that can converge all Insurance and
Finance services

CONVERGENCE
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 and at least a few years ahead of its
competition. 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
“green field” opportunity. Continually cited 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 FinTech player.

With an on-demand business model, that thrives on delivering end to end services to its customers worldwide, Ebix has achieved an operational
consistency that is second to none. The company has been featured on the Fortune Magazine’s 100 Fastest Growing Company List 5 times in
the last decade.

4
EXECUTIVE SUMMARY

www.ebix.com
ABOUT EBIX
Founded in 1976, Ebix, Inc. is listed on the NASDAQ Global Market & is a part of the Russell 2000 Index and Standard & Poor's Small Cap 600 Information Technology Index.

Ebix is a leading international supplier of on-demand infrastructure exchanges to the insurance, financial, and healthcare industries. In the Insurance sector, the Company’s main
focus is to develop and deploy a wide variety of insurance and reinsurance exchanges on an on-demand basis, while also, providing Software-as-a-Service ("SaaS") enterprise
solutions in the area of CRM, front-end & back-end systems, outsourced administrative and risk compliance.

With a "Phygital” strategy that combines 260,000 physical distribution outlets in many Southeast Asian Nations (“ASEAN”) countries, to an Omni-channel online digital platform,
the Company’s EbixCash Financial exchange portfolio encompasses leadership in areas of domestic & international money remittance, Forex, travel, pre-paid & gift cards, utility
payments, lending etc., in an emerging country like India. The Company’s Forex Exchange has an approximate 70% market share of India’s airport Foreign Exchange business
encompassing 25 international airports like Delhi, Mumbai, Bangalore, Chennai and Kolkata International airports, while conducting over 1 million transactions per annum.
EbixCash, through its travel portal Via.com, is also one of Southeast Asia’s leading travel exchanges with over 110,000 distribution outlets and 8,000 corporate clients processing
over 24.5 million transactions every year. For further details, visit www.ebixcash.com

With 50+ offices across Australia, Brazil, Canada, India, New Zealand, Singapore, US and UK, and a market capitalization of approximately $2 Billion, Ebix powers multiple
exchanges across the world in the field of life, finance, health and property & casualty insurance while conducting in excess of $100 billion in insurance premiums annually on its
platforms. Through its various SaaS-based software platforms, Ebix employs thousands of insurance and financial technology professionals to provide products, support and
consultancy to thousands of customers across six continents. For more information, visit the Company's website at www.ebix.com.

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. Ebix 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.

Ebix’s focus on quality has enabled its development unit in India to be awarded Level 5 status of the Carnegie Mellon Software Engineering Institute’s Capability Maturity Model
Integrated (CMMI). With a ISO 27001-security certification, the Company also has a ISO 9001:2000 certification for both its development and BPO units in India.

Its vast customer base includes hundreds of banks, financial institutions, insurance companies and hundreds of thousands of brokers, in addition to 80 of the Fortune 500
corporate clients. This includes an impressive blue-chip account base consisting of the world’s largest and most respected financial institutions, banks and insurance companies.

In 2017, Ebix was named in Fortune’s 2017 100 Fastest-Growing Companies List. In 2012, Ebix was ranked as the 6th Fastest Growing Technology
Company in America by Forbes Magazine. Ebix was also ranked 4th Fastest Growing Technology Company in 2011 by Fortune.

6
ABOUT EBIX
The Company has its headquarters in Johns Creek, Georgia, while having 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 9,000+
professionals providing products, support and consultancy to thousands of customers on six continents across 69+ countries.

A few more summary facts about Ebix

• Market capitalization of $2 Billion approximately • Largest insurance exchange in the world
• The client base includes 80 of the Fortune 500 clients • The Company has a 99% plus customer retention rate across the world

• The Company has a proven high Growth and Profitable Recurring • Ebix’s exchanges power transactions between hundreds of thousands of
Revenue Model with 80% plus recurring revenues. brokers and insurance companies
• Strong Balance sheet and an 18 year history of consistent profitability, • Ebix runs over 22 million compliant life policy illustrations and over 40
cash growth and revenue growth million life insurance quotes annually
• Phygital Strategy through EbixCash brand that combines 260,000 • EbixCash, through its travel portal Via.com, is also one of Southeast Asia’s
distribution outlets in many ASEAN countries to an omni-channel online leading travel exchanges with over 110,000 distribution outlets and 8,000
digital platform encompassing leadership in areas of domestic and corporate clients processing over 24.5 million transactions every year
international money remittance, travel, pre-paid & gift cards utility
payments etc. in an emerging economy like India
• A client base spread across 69+ countries with hundreds of thousands of • Ebix’s Financial exchange powers more than $60 billion in Annuity
users using its platforms and exchanges premiums annually in the United States
• Hundreds of thousands of users of its insurance, financial and healthcare • Ebix Exchange in Australia powers most of the electronic property &
exchanges casualty insurance transactions
• Ebix’s centers in India have Carnegie Mellon’s highest CMMI Level 5 • Ebix systems tend to be multi-lingual, multi-currency and work in French,
rating and that establishes the quality of Ebix’s operations to any of its Portuguese, Spanish, Japanese, Chinese, Hindi and English
prospective customers
• CMMI Level 5 certified units in India with approximately 7,500+ employees • Ebix’s On-Demand CRM solution is used by 125,000 plus users in the
United States alone
• Ebix has a strong clientele of financial institutions, banks, insurance • All worldwide intellectual property and development is led by its India staff
companies, insurance brokers, healthcare professionals across the world
besides having a reputed client base in India including Indian Govt., Indian
public and private sector, hospitals, insurance companies, brokers etc. as
clients

7
SUMMARY HIGHLIGHTS
Industry Leadership Opportunity Large, Impressive Client High Growth and Profitable
1 by Leveraging Ebix’s Strong
Market Presence.
2 Base for Expansion and
Cross-selling.
3 Recurring Revenue Model.

The insurance and finance IT market is a highly Ebix’s outstanding reputation with a large With approx. 80% of its revenue generated from
fragmented multi-billion industry. Ebix’s customer base and community of recurring sources, Ebix has a high degree of
innovative exchange strategy and its global reach insurance & finance professionals offers visibility into its growth trajectory.
positions it as a possible leader in the worldwide tremendous expansion and cross-selling
insurance & financial exchange markets. opportunities to accelerate an already very
strong market position.

Consistency of Performance. Operating Margins

Q3 2018 2017 2016 2015 2014 2013 New Growth
Annualized* Initiatives Launched
Launch of
Revenues in million $ 514.57 364.0 298.3 265.5 214.3 204.7 EbixCash 37% 37%
34%
Growth of Q3 2018 33%
annualized* over other years 41% 73% 94% 140% 151%
31%

Net Income in million $ 116.97 100.6 93.8 79.5 63.6 59.3

2017 2016 2015 2014 2013
Growth of Q3 2018
annualized* over other years 16% 25% 47% 84% 97%

32%
Diluted EPS in $ 3.68 3.17 2.86 2.28 1.67 1.53
31% 31% 31%
Growth of Q3 2018
16% 29% 61% 120% 141%
annualized* over other years

Q3 2018 Q2 20182 Q1 2018 Q4 2017

*Q3 2018 results have been annualized for presentation purposes. These numbers are GAAP numbers.

8
SUMMARY HIGHLIGHTS
EbixCash is the new ‘Financial
Unique Differentiation Enhances Ebix’s Services’ arm of Ebix that has
Leadership Opportunity started its journey from India

EbixCash is a phygital platform comprising

Ebix’s exchanges power transactions
of digital channel as well as physical network of
between hundreds of thousands of
more than 260,000 agent outlets across 5500 cities, processing
brokers and insurance companies. more than US$7bn of transactions annually across payments, Forex,
lending & wealth management, ELearning and travel solutions.
Ebix runs over 22 million compliant life policy
illustrations and over 40 million life insurance
quotes annually. Ebix’s annuity exchange powers in
Ebix provides a multi-national
excess of $60 billion in premiums annually in the United States. Ebix
Exchange in Australia powers the majority of the electronic property & broker or carrier a common code
casualty insurance transactions. Ebix’s On-Demand CRM solution is used base world-wide, unlike any other
by 125,000 plus users in the United States alone. With the aggregation of software player in the insurance
a large community of insurance companies and brokers on its exchanges, industry that addresses these
Ebix is seen as a vehicle to insurance markets by these entities. markets.
Companies not using Ebix exchanges risk losing access to the aggregated
markets that Ebix could offer them access to. Ebix systems are multi-lingual, multi-currency
and work in French, Portuguese, Spanish, Japanese, Chinese
and English.

Experienced Executive Management

Team with Domain Expertise and With fully owned offshore facilities
Industry Recognition. in India, Ebix has the ability to
reduce the cost structure of
Ebix’s team includes subject matter and acquired companies and increase
domain experts with a deep understanding of the their efficiency.
insurance & finance industries spanning thousands of years
of experience amongst them. Its infrastructure and experienced executive Ebix’s centres in India have Carnegie Mellon’s
management team is highly capable of sustaining its leadership and highest CMMI Level 5 rating and that establishes
developing Ebix into an even larger organization. the quality of Ebix’s operations to any of its prospective customers.

9
AIRPORT FOR INSURANCE AND FINANCE

EBIX VISION – TO BECOME AN AIRPORT FOR INSURANCE AND FINANCE CONVERGED TOGETHER

10
GLOBAL FOOTPRINT
Our markets and our clients cross geographic boundaries. Ebix employs thousands of insurance & technology professionals providing
products, support and consultancy to thousands of customers on six continents across 69+ countries through 50+ offices and thousands
of EbixCash distribution outlets in multiple countries.

United Kingdom

United States

UAE

Philippines
India Thailand
Singapore

Indonesia
Brazil

Australia

New Zealand

11
FINANCIAL SNAPSHOT

www.ebix.com
 THE JOURNEY TILL NOW
• In 1999 Ebix had $19.0 million in Net Losses.
• In Q3 2018 Ebix had $116.97 million of Annualized Net Income.

$140

$116.97
$120

$100.62
$100 $93.85

$79.53
$80
$71.37 $70.57
Net Income

$63.55
$59.00 $59.27
$60

$38.80
$40
$27.31

$20 $12.70

($19) $6.00
($11) $4.30
$2.60
$0.10 $0.50 $1.70
$0
2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 Q3 2018
Annualized *

2000
($20)
1999

($40) 13
CONSISTENT GROWTH AND PROFITABILITY
Revenue (in millions) Operating Income (in millions) Diluted EPS

Combined Operating Income between 2009 and Q3 2018 Annualized = $851.40 Million

$514.57

$363.97

$298.29

$265.48

$214.32
$199.37 $204.71

$168.97
$156.95
$132.19
$113.22
$97.69 $100.31
$79.67 $88.71
$77.01 $75.01
$68.75
$52.51
$39.26

$1.51 $1.75 $1.80 $1.53 $1.67 $3.17 $3.68

$1.03 $2.28 $2.86

2009 2010 2011 2012 2013 2014 2015 2016 2017 Q3 2018
Annualized

*CAGR calculated using 2009 as the base period through Q3 2018 Annualized
14
RECURRING REVENUE STREAMS WITH
CONSISTENT GROWTH AND PROFITABILITY
Launch of
• Stable, predictable base of recurring revenues
EbixCash
• Scalable on-demand model of with 30 - 35% operating margins
$514.57

Sales (in millions) New Growth

Initiatives Launched

Operating Margins $363.97

$298.29
$265.48

$204.71 $214.32
$199.37
$168.97
$132.19

40% 41% 39% 37% 37% 33% 34% 31% 31%

2010 2011 2012 2013 2014 2015 2016 2017 Q3 2018

Annualized

Revenue Growth & Operating Margins

15
EBITDA
Combined EBITDA between 2009 and Q3 2018 Annualized = $952 Million

$163.2

EBITDA (in millions)

$124.2

$111.8
$101.4

$88.3 $89.8
$81.2 $81.0

$66.1

$44.7

2009 2010 2011 2012 2013 2014 2015 2016 2017 Q3 2018
Annualized
*CAGR calculated using 2009 as the base period through Q3 2018 Annualized
16
BALANCE SHEET METRICS
Healthy Balance Sheet

2017 2016 2015 2014 2013 2012

Net Debt/(Net Cash)

$310.8 $155.6 $148.4 $69.4 $(0.6) $44.4
(millions)

Current Ratio 1.72 2.31 2.28 1.49 1.54 1.44

Cash Balance (millions)

+Short-term $89.5 $117.2 $58.7 $52.6 $57.5 $37.4
investments

Working Capital
$106.0 $117.3 $65.6 $34.1 $35.7 $25.0
(millions)

Debt to equity ratio 0.81 0.64 0.51 0.28 0.14 0.22

17
INDUSTRY & MARKET OVERVIEW

www.ebix.com
EBIX’S INSURANCE EXCHANGE VISION
The Insurance Exchange Channel
P&C
EXCHANGE
Illustration
Exchange
(WinFlex)
ENTERPRISE LIFE REINSURANCE
EXCHANGE EXCHANGE
On-Demand
CRM
(SmartOffice)
Order Entry
Exchange
RISK/CLAIMS
(LifeSpeed) EXCHANGE

ANNUITY
EXCHANGE
Order Entry HEALTH
Exchange INFORMATION
EXCHANGE
HEALTH & EMPLOYEE WORKERS COMP
BENEFITS EXCHANGE EXCHANGE

Servicing Portability
Exchange Exchange

• Multiple exchanges across the world in the fields of life, annuity, health and property & casualty insurance, conducting in excess of $100 billion in insurance premiums.
• Enterprise-wide administration system used by hundreds of brokers, thousands of employers and millions of employees.
• Annuity Exchange, namely AnnuityNet on an average processes $60 Billion in premiums each year
• Ebix runs over 22 million compliant life policy illustrations and over 40 million life insurance quotes annually.
• A de-facto standard in the Australian Markets. 7 million quotes per year.
• Majority of the electronic transactions in the property & casualty sector in Australia.
• Launching new services such as servicing of Annuities, portability of annuity policies, Ebix Enterprise etc.

More than hundred thousand brokers, 100 plus top-rated Insurance Companies, Financial Institutions and many of the largest Multi-national Banks are Ebix clients

19
EBIXCASH FINANCIAL EXCHANGE VISION

International
Remittance

Lending &
Wealth
Domestic
Management
Remittance
Solutions
ONE CONSUMER
MULTIPLE NEEDS /
DESIRES

Travel
Exchanges & ONE INTEGRATED
Travel Bill Payments
Logistics
PLATFORM

Gift Cards
FOREX

MARKETPLACE, DISTRIBUTION NETWORK

AND PAYMENTS LAYER 20
E-LEARNING SOLUTIONS VISION

Largest repository of
rich multimedia
content

Content Mapped to Editable as well as

National and State ready lesson plans
curriculum

Comprehensive Available in
Digital Learning multi-languages
Solutions

e-Learning Solutions 21
EBIX EXCHANGE
(Insurance)

www.ebix.com
INDUSTRY AND MARKET OVERVIEW - INSURANCE
EBIX’s footprint addresses the most strategic needs in the insurance industry, besides the healthcare and financial industries

Property & Casualty (P&C) Life Insurance Health and Employee Benefits
For insurers For Insurers, Brokers and Agents For Insurance Carriers, Health Plans,
• Policy Admin Platform • Enterprise CRM Hospital Systems, TPAs, and other
• Agency Download (TEAM-UP) • Agency Management Health Insurers and businesses
• Data Translation Services (DTS) • Research and Quoting • EbixEnterprise – Health Management
• Sales Illustration • Consumer Portals
For agents and brokers • Exchange E-Application • Compensation Statement Solution
• Policy Admin Platform - Global • Enterprise E-Application • Benefits Administration and Wellness
• Policy Admin Platform - US • New Business and Underwriting • Claims Adjudication Platform
• Certificate Issuance Exchange • Policy Administration
• Distribution Management For Hospitals, Health Plans, Portals
For Reinsurance/Lloyds/London Market • Product Publishing Tools
• A.D.A.M. – Consumer Health & Education
• Universal Messaging Gateway • Continuing Medical Education Products
• Electronic Data Exchange
Annuity
CRM For Insurers, Brokers and Distributors
• Research and Quoting
• Exchange E-Application
CONSULTING • Product Publishing Tools

COI Tracking/COI Issuance

Risk Management
For Risk/Contract Managers and
COI Issuers For Risk Managers
• Insurance Certificate Tracking • Risk and Claim Management
• Insurance Certificate Issuance • Workers’ Comp Reporting System
• Medical Care Management

23
INSURANCE EXCHANGE CHANNEL VERTICAL
Multiple exchanges across the world in the fields of life, annuity, health, property & casualty insurance conducting in excess of $100
billion in insurance premiums.

Risk Mgmt. & Workers Compensation

Life Insurance
Customer Relationship Management
Annuities
Health Benefits
Property & Casualty
Financial

1% 4% 5% 9% 11% 15% 55%

Ebix Vertical Exchange Channel Revenue Split in Q3 2018

24
THE INSURANCE EXCHANGE CHANNEL
Life Exchange
LIFESPEED Pending Cases Status
WINFLEX WEB Paramed Exam Order Pending Cases Status
eApp Submission eApp (Data & Forms)
Sales Illustration

(Multiple Carriers)

Life Carrier 1
Pending Cases Status
eApp (Data & Forms)
Client & Agent

Pending Cases Status

eApp Review & Approve
Sales Illustration
SMARTOFFICE
WINFLEX WEB (Multiple Carriers)

Life Carrier 2
PARAMED EXAM ORDER
Pending Cases Status
eApp (Data & Forms)

General Agent

Service Provider

Life Carrier 3

Life Insurance Straight Through Processing

25
THE INSURANCE EXCHANGE CHANNEL
Annuity Exchange

eApp Transmission
Money Settlement To Carriers

Product Data & Forms Carrier 1

eApp Policy Values

Depository Trust & Clearing Corp
Transmission

Multi-carrier Product Selection

Brokerage Account Prefill
eApp Submission
Funds Check
Compliance Review

Product Data & Forms

Policy Values Carrier 2
ANNUITYNET

Client & Financial Advisor

Product Data & Forms
Policy Values Carrier 3

Annuity Straight Through Processing

26
THE INSURANCE EXCHANGE CHANNEL
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.

Claims & Encounter Processing

Policy/Benefits Administration
SaaS based Healthcare Benefits and
Claims Management Workers Compensation Administration
Employee Benefits & Risk Management
Multiple Benefit Lines :
Integrated Flexible Benefits Administration
Medical, Dental, Vision, Specialty, FSA,
HRA, HSA Integrated ‘Web’ & ‘Voice-enabled’ Benefits Communication
Electronic Data Interchange (EDI)
STD, LTD, Group Life / AD&D, COBRA
Optical Imaging/IOCR
Full Accounting and Premium Billing
HIPAA Compliant Solutions
Electronic imaging/workflow COBRA Administration System
Reinsurance Case Management System
Analysis & Reporting

Online Quoting Financial Services Multimedia Encyclopaedia

Care Guides
Agency management Cost & Care Guide Interactive Decision Tools
Health News
CRM/Sales Automation Real Value Statement Health Risk Assessments
Mobile Technologies
Advisor Tools Dependent Audits Wellness Calculators
Marketing Technologies
Enrolment Services NurseLine Drug Tools
E-Learning, M-Learning
Health & Wellness Employee Assistance Exam Scheduling
Program (EAP) Recommendation Tools

9 Million Insured Lives, used by Top carriers & 3 of the Top 10

TPAs in the US International Cross Selling Opportunity 27
 PERCENTAGE OF TOTAL REVENUE

RISK COMPLIANCE SOLUTIONS CHANNEL 21%

Q3 2018 – 14%

Management
Full
services to help
service,
reduce uninsured
outsourced solution
exposure and
for issuing, tracking
improve corporate
and managing
control
Certificates of
Insurance

Single
largest provider
of this service in
End-to-end
the world
services for issuing,
Services soliciting, validating
offered to more than and electronic
1,000 organizations storage of the
across 26 different certificates
industries

Data Entry handled in Ebix India for improved Cost Management

28
 PERCENTAGE OF TOTAL REVENUE

THE INSURANCE BROKER CHANNEL 5%– 3%

Q3 2018

• Fully integrated modules that support all • E-commerce-based, end-to-end, backend • Comprehensive e-commerce enabled
phases of the business process including system to automate a broker’s entire business business system designed for General
Quotations, Policies, Placing, Invoicing, Insurance Intermediaries Insurance
Accounting, Claims & Analytics • Policy processing/Claims administration/Sales Intermediaries
Management/ Underwriting/Rating etc.
• Multi-country, multi-currency and multi- • Used by over 5,000 users across 600
• Built in-house, deployed across United States
lingual 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

Many of the world’s top Brokers use Ebix’s Broker systems

29
 PERCENTAGE OF TOTAL REVENUE

CARRIER CHANNEL Q3 2018 – 0.2%

Client server
based, end-to-end,
backend system to
E-commerce, automate an insurance
dot net based, company’s entire
end-to-end, backend Policy business
system to automate processing / Claims
an insurance administration / Sales Policy
company’s entire Management / processing /
business Underwriting / Rating / Claims administration
General Ledger / / Sales Management
Exchanging data / Underwriting / Rating
etc. etc.

Built
in-house,
deployed in US
Presently
and Europe
being developed in
Latin America on
cloud
basis

69 Insurance companies across United States and Europe use these products
30
INSURANCE EXCHANGES CONTINUE TO GROW
WITH RECURRING REVENUE STREAMS
CRM Life Insurance
Broker Systems 2.7% 0.2% Carrier Systems Risk Management
& Workers Compensation 1%
5% 4%
Annuities
RCS 14.0% 9%
P&C
15%

Health
11%
Exchanges Financial
83.1% 55%

Revenue by Channel Exchange Channel Revenue

Professional
Services 16.0%

Subscription
34.0% 37.6%
United States

International

Transaction 62.4%
50.0%

Revenue Source Revenue by Geography 31

 EBIXCASH
(Financial Exchange)

www.ebix.com
EBIXCASH FINANCIAL EXCHANGE

Pre-paid Card Logistics

Phone Recharges Insurance

Healthcare Remittance

Financial Exchange

Travel Education

Lending Wealth Management

33
 EBIXCASH – EVOLUTIONARY JOURNEY

Smartclass
ItzCash Educational Services
Payments Exchange, Transcorp A leading e-learning
Domestic International Limited Company engaged in
Remittances, YouFirst Money (BSE:TRANSCOR) the business of Indus Software
Prepaid Cards Express Inward Remittance education services, Technologies
75K Distribution Inward Remittance Bombay Stock Exchange development of Pvt. Ltd.
outlets, 3000+ towns, Exchange Exchange BSE 7.5K Distribution education products, A global provider Routier
1500+ Corporate 10K Distribution & Ebix JV Outlets, 40 branches, and implementation of of enterprise A pioneering B2B
Partners, 600,000 Outlets, 2.3mn India Insurance 1.7mn Transactions education solutions for lending software market for
Txns daily Transactions annually Exchange annually K-12 Schools solutions Trucking logistics

Wall Street Paul Merchants VIA.com Centrum Direct Mercury Travels Miles Software Business Travels
Finance (BSE:PML) Travel Exchange Limited and Leisure Corp Top provider of Pvt. Ltd.
(BSE:WSFIN) Inward Remittance 110K Distribution 165 outlets spread An Ebix Cash Luxury Asset and Wealth An EbixCash Travel
Inward Remitance Exchange Outlets, India & across 55 cities, 200+ Initiative with focus on Management Initiative
Exchange 20K Distribution Outlets, South Asia franchisee partners, luxury, events and Software in India
9K Distribution 165+ Branches, 2,000+ travel agents, sports related traveler and emerging
Outlets, 10 Branches, 6mn Transactions 50+ banks and financial countries
2 Million Transactions per annum. institutions, 1000+
processed annually SMEs, and 150+large
corporate clients

34
EBIXCASH - FINANCIAL EXCHANGES
Emerging as the leading marketplace across FinTech Segments

EbixCash was launched in 2017 with series of

EbixCash is the new ‘Financial Services’ arm of acquisitions in India in the financial services
Ebix Group, which has started its journey industry, resulting in acquisition of large retail
from India network processing transactions involving
domestic money remittance, Forex, international
money remittance, travel exchange and wealth
management

EbixCash is phygital platform comprising of digital

EbixCash is currently processing more than channel as well as physical network of more than
US$7bn of transactions annually across 260,000 agent outlets covering 568 districts,
payments and travel solutions over 5,500+ cities across the length and
breadth of India

EbixCash also has presence in South Asia in

Ebix’s recent joint venture initiative with Bombay
countries such as Philippines, Indonesia,
Stock Exchange positions it strongly in India’s
Singapore, Hong Kong, Middle East through its
FInTech sector
travel vertical – VIA

Portfolio of products can be accessed digitally

New products under introduction – lending
anywhere as also across its distribution outlets
solutions, insurance and financial products
spread all-over ASEAN countries

THE STORY CONTINUES…

35
36
ABOUT EBIXCASH WORLD MONEY

• India's leading Money Exchange Company incorporated in 1999.

• Upgraded to Authorized Dealer Category -II license in 2008
• Extensive branch network spanning 52 Cities and 25 Airports.

Foreign Travellers INR Prepaid

Remittances Travel Cards
Currency Notes Cheques Cards

Outward One of largest issuer One of the oldest India’s first money
More than 80
remittance facilities of Multicurrency and largest partners exchange company :
different currencies
: 17 different prepaid cards in of American Express digital wallet app
currencies India with a physical card

Products and Services

37
OUR REACH

Jammu & Kashmir

Network of 94 branches;
Himachal 232 franchisee units; 56
Pradesh
Punjab cities, 2 Lac Pin
4
Uttaranchal
codes serviced.
Delhi
haryana Arunachal Pradesh
5 Sikkim
2
Uttar Pradesh Assam
Rajasthan
2 Bihar 1
1 Meghalaya Manipur

3 Jharkhand
Gujarat
Madhya Pradesh
1 West
6 Tripura Mizoram 78 kiosks in 25 Airports
2 Chhattisgarh
Bengal
1 1
Orissa
12
Maharashtra

10
Andhra Pradesh

Goa
1
Karnataka
14 8 seaports
Tamilnadu

Kerala
5

38
CUSTOMER TOUCH POINTS

Branches Seaports

Airport Online

39
OUR AIRPORT AND SEAPORTS NETWORK

• Present across 21 States

• Covering 59 cities
• With branch network of 84 branches

• Exclusive presence at 22 International Airports

• Present across 25 out of 32 International Airports
• Covering 87% of 25 million passengers travelled
in 2017
• Present at all metro airports (Delhi, Mumbai,
Chennai, Kolkata)
• Present across 12 seaports (Flamingo DFS)

40
FINANCIAL AIRPORT – PAYTM AND EBIXCASH
WORLD MONEY

41
EBIXCASH WORLD MONEY
A SAMPLE SPECTRUM OF KEY CLIENTS

KEY CORPORATE
CLIENTS

EDUCATION AND
PRODUCTION
CLIENTELE

EMPANELLED
BANKS

FRANCHISEES

42
 COMPETITIVE LANDSCAPE

High
Turnover

Low
Turnover
Banks Financial Institutions Travel Companies
43
R E M I T TA N C E , R E TA I L & C O R P O R AT E
PAY M E N T E XC H A N G E S
Payment Product Offering

Domestic &
International Corporate Cash
Inward Management
Remittance Services

Corporate &
Prepaid
e-Governance
Card/Gift Cards
Solutions

Bill Travel/Via
Payment

45
EBIXCASH AGENT NETWORK
3635

1254
18945 Jammu &
Kashmir 2363
136
8968 Himachal
Pradesh 25424
84
5360
1875 Haryana
7186 390
Delhi

Uttar Sikkim
12277 Pradesh
172
Rajasthan
Bihar
3131 Assam
Manipur
Meghalaya
TOTAL AGENT NETWORK
1335
Mizoram
13790 85
Jharkhand Tripura
Madhya West
Bengal 1692

264183
Pradesh 15084
Gujarat
6196 2531

Odisha 5804
Maharashtra
33706
Telangana
9012
900
GOA Andhra
Pradesh 11599 1023

18711

Tamil Andaman & Nicobar Islands

Nadu 21426
13208

46
EBIXCASH BRANCH NETWORK
6 State No. of Branches
Andhra Pradesh 7
Assam 1
5 Jammu & Bihar 3
Kashmir 2363 Chhattisgarh 1
4 Delhi 4
8
Goa 1
4 Haryana
1 Gujarat 3
Delhi
3 4
Uttar
Haryana
2 Pradesh
Jharkhand 1
Rajasthan Assam
Bihar Karnataka 13

Jharkhand
Kerala 5
Madhya 1 West
Pradesh 1 Bengal 7 Madhya Pradesh 1
Gujarat
3 Maharashtra 14
Odisha 1 Orissa 1
Maharashtra
14 1 Pondicherry 1
Telangana
8 Punjab 5
1
GOA Andhra Rajasthan 2
Pradesh 7
Tamil Nadu 14
13
1 Pondicherry Telangana 8
Tamil Andaman & Nicobar Islands Uttar Pradesh 8
Nadu
14 West Bengal 7
5
Jammu and Kashmir 6
Grand Total 110

47
EBIXCASH OUTLET

48
EBIXCASH – DOMESTIC PAYMENTS NETWORK
• EbixCash Retail Outlets are all equipped with internet, printers and scanners to provide real-time access and support for the full
product suite of EbixCash Services
• Consumers can acquire prepaid cards or other financial products at any stage of the 65,000+ EbixCash outlets and use them to
make bill payments / purchases online or through mobile devices
• Consumers also receive guidelines and assistance at the EbixCash outlets, which educate them about digital payments and
additional value-added products

Consistent Growth in the Number of …is Driving increases in the Number of

EbixCash Retail Outlets… Transactions at EbixCash Retail Outlets
(millions)
76,956

62,156 62.27

50,205 45.82
40,948
33,043 33.38 45.82
28,284

2012A 2013A 2014A 2015A 2016A 2017A 2013A 2014A 2015A 2016A

Full-Service EbixCash Outlets Contribute to a Higher …And Increases in Average Transaction Size
Proportion of Total Retail Volume…
52%
% Contribution to Total Volume
$26.80
$21.77
$17.84
$15.39
20%

9% 9% 10%

1 2 3 4 5+ 2013A 2014A 2015A 2016A

# of Services Offered per EbixCash Outlet 49
EBIXCASH – INWARD MONEY REMITTANCE
NETWORK

1 3 5
Over 70% + market Over 60,000+ live locations Processes more than $5bn
share in India P2P – expanding to over annualized remittances in
Inward Cash 100,000+ locations in India the country
Remittance and new markets such as
Philippines (3rd largest
inward remittance market)

2 4
Largest Partner network of Touches 70 percent of India’s
Western Union Globally dynamic population covering
568 districts, over 4,000 cities
across the length and breadth of
the country, with presence in
40,000+ villages covering
remote places of the country

50
PARTNER - PROVIDERS

51
 IMT Industry Landscape

MTO Market Share% Western Union

Instant Cash &
RIA, 8% Others, 2% Mannapura Supreme,
IndiaPost, m, 3.4% 1.5%
Xpress Money, 1.9% Others, 0.4%
5% Muthoot
Fincorp,
TransFast, 4% 3.8%

Money Gram,
11%

Weizmann,
23.5%

EbixCash,
Western 65.5 %
Union, 70%

Note : Above figures are Market Estimates

52
POINT OF SALE DEVICE

Cashout facility
Large capacity
battery with
Credit/Debit/Prepaid long standby
cards & wallets time + micro
accepted USB port

POS

Touch screen
Electronic with signature
charge slip capture GPRS or
storage WI-FI enabled

Instant
EMI offer
Pre-approved
INR 25000
business loan
53
EBIXCASH CORPORATE SOLUTIONS

Reward Programs Incentive Solutions

Meal Card Programs Forex Services

CORPORATE
Petro | Medical | Gift Cards
Jewellery Card SOLUTIONS

Payroll & Corporate Travel & Expense

Disbursements Management

54
EBIXCASH GIFT CARD
Choice Gift Card

Multi-brand gift card powered by EbixCash, is redeemable against a selection

of leading brands’ gift cards offered online

Customizable options available in both physical card and e-gift card variants

Array of Brand Gift Cards 150+ Mono Brand Partners

Instant Digital Gifts

55
EBIXCASH – A FEW SAMPLE CASE STUDIES

Apollo Tyres scheme to reward their Customers Kirloskar pumps/ Mobiquest launched a
with free Fuel on EbixCash Petro Card on co-branded gift card for their retail
purchase of commercial vehicle tyres partners, with EbixCash

Reliance General Insurance rewarded Augmont India partnered with EbixCash

their employees with Flipkart gift vouchers to sell gold coins on EMI through our pan-
as incentives fulfilled by EbixCash india retail network

56
EBIXCASH - A SAMPLE SPECTRUM OF CORPORATE CLIENTS
Industry Categories

Insurance & BFSI

Pharmaceuticals

Telecommunication

IT & ITES

Serving over 2000+ Indian Corporates & Brands

57
EBIXCASH - A SAMPLE SPECTRUM OF CORPORATE CLIENTS
Industry Categories

FMCG

Real Estate

Auto & Logistics

Airports

Serving over 2000+ Indian Corporates & Brands

58
Travel Initiative
OPPORTUNITY SIZE
The Indian travel market will grow by 8% to $27.9 billion in 2017. The market is expected to maintain
similar growth levels to reach $38.9 billion by 2021.

Figure1: India total and online travel markets, gross bookings (US$B) and online
penetration(%), 2015-2021
39
36
33
30
28
26
25
45%
44%
42%
40% 17
39% 16
34% 37% 14
11 12

9 9

2015 2016 2017 2018 2019 2020 2021

Total Travel Market Online (Leisure/Unmanaged) Online Penetration (%)

60
OPPORTUNITY SIZE
The total number of air passengers has more than doubled over the past seven years, from a level of 79
million journeys undertaken in 2010.
Figure3: Increases in air passenger demand, 1997-2017 countries

160
INDIA
Passengers carried by airlines based in each country (million) CANADA
140
UK
KOREA
120 FRANCE
JERMANY
SPAIN
100
JAPAN
AUSTRALIA
80 BRAZIL

60

40

20

we can see the growth of the Indian market in a longer-term perspective (Figure 3).
0

1997 2007 2017

SOURCE: World Bank, ICAO 61

RANGE OF PRODUCTS

Flights

MICE Hotel

Flight
+ Holidays
Hotel

Car Rail

Bus

“Via provides the best prices for a range of

products on the same sign-in”

62
FAST GROWING & PROFITABLE TRAVEL PLATFORM WITH
DISTRIBUTION ACROSS INDIA AND SE ASIA
Service Portfolio

Travel – Core & Assisted Value Add – High Footfall

Hotels, Domestic Insurance,

Domestic International Rail, Bus, Holiday Recharges, Assisted
Guesthouse, Money SME
flights flights Car packages Bill Payments Ecommerce
Homestay Transfer Lending

GDS Suppliers – Abacus, Over 300,000 Hotels through XML Partners Over Govt. Digitization initiatives are creating huge pool of unbanked
Galileo (over 100 FSCs) 10,000 Direct Contracted Hotels population moving to digital economy
30+ Direct Integrated LCCs 20+ Channel Managers

VIA provides single point of

distribution

EbixCash (proprietary online platform)

Distribution channels

Mobile app / Website (B2C) VIA agents (offline) (B2B2C) Corporate booking platform
1.5 mn app downloads; 2 mn unique registered 105,000 active agents in 2,600 cities, 13,000+ pin codes 5,500+ Small and medium corporate signups
customers FY17E GTV: INR 8.81 Bn Agents growing at over 20% p.a (net of attrition of ~3% p.a) FY17E GTV: 1.43 Bn
FY17E GTV: INR 57.7 Bn

India Indonesia India Philippines India Philippines

Singapore UAE Indonesia Singapore

Thailand Oman
UAE Oman

Saudi Arabia

Source: PhoCusWright, Goldman Sachs Global Investment Research, DGCA 63

LARGE BASE OF 100K+ AGENTS ACROSS 5 COUNTRIES
Complemented by fast growing B2C and Corporate channels

B2B2C / (Agent outlets) B2C(Web / Mobile) B2B / Corporate

• Network of 100,000+ active agent • 1.5 mn app downloads till date • 5,500+ sign ups on the corporate
outlets across five countries • 2 mn unique registered customers platform
• 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

The consumer demographic in Asian markets 200% transaction growth in B2C business
are accustomed to transacting face-to-face & across website and app in India in FY16
with cash which makes VIA’s large agent
network unique & valuable

Strong agent network and corporate channel ensures minimal sales & marketing dollar spend
64
TECHNOLOGY PLATFORM

Technology Platform Payment solutions across

distribution channels
Integrated solution
Fully integrated solution running
on one platform centralized browser
& mobile based application. CRM & Reporting

Via/3rd party
Strong CRM, rule engine, reports
Scalable & accounting capabilities. Mobile wallet

Robust & scalable – successfully Net Banking

completing 50,000 segments a day. Customization
Personalized deals & store front
depending on consumers’
Connectivity profile & shopping behavior. EMI
Real-time & direct connectivity to
suppliers for instant confirmations. Multi-functional Credit Card

Multi-lingual & multi-currency

Integration functionality.

Integrated with multiple payments

options (cash, credit/debit cards, net
Support
banking & credit).
Complete ERP solution with
• Insulates travel partners from high payment
24X7 tech support and sales and gateway charges
marketing support
• Single deposit for multiple transactions

65
 RANGE OF PRODUCTS

Meetings Sports
And Events Travel

Swiss Luxury
Voyages Holidays &
Safari
The Rail
Journey

66
SPORTS TRAVEL
An Innovative Step taken to differentiate Mercury from other similar companies.

Mercury specializes in creating tailor-made packages for ardent and enthusiastic sports supporters who believe in
going the extra mile to show support and boost the morale of their team or sports personality they root for.
Mercury offers such sports enthusiasts travel packages that meet their unique requirements.

67
SPORTS TRAVEL
Recent milestones in Sports Travel are the acquisition of rights

1 2
FIFA Football World 2018 ICC Cricket World Cup 2019

68
THE RAIL JOURNEYS
Exploring India on a Luxury Train has become extremely popular in recent years.

It offers an excellent way to see the 1 3

The Rail Tourism also serves as
country without having to pack &
a door opener with most of the
unpack daily, especially for the
operators.
elderly tourist.

As more and more people are 2 4 The Indian Luxury Train market
becoming aware of carbon at present with its inbound share is
footprints more and more people at USD 30 million, with average
choose to travel by train. occupancy of 42%, across 4 trains.

This can grow by further USD 17 million, as all the luxury trains are not sold to their capacity, especially
Maharaja express being the forerunner at present. The trend of Signature Journeys is also catching up
with special charter journeys for selective operators.

69
SWISS VOYAGES

Switzerland based Destination Management Company specializing in incoming tours into Switzerland from all
over the world. Our team of Switzerland Specialists have the local expertise and knowledge to offer superior
destination management services to our worldwide customers.

We are the proud members of Switzerland Tourism.

70
CLIENTELE
Banks

Insurance Sector

Finance FMCG

FMCD Cement Others

71
IT TAKES DECADES OF CAPITAL & HARD WORK TO BUILD
A MULTI-SIDED TRAVEL PLATFORM FROM THE GROUND
UP…

60,000,000+ 10,000+
Customers Trust VIA & Diversified Suppliers
Mercury

2,000,000+ 5,500+
Daily Customer Footfall Towns & Cities Presence

260,000+
Agent Network

72
An e-Learning Initiative
EBIX SMARTCLASS

Vast repository of
Recipient of
digital rich-media
multiple awards by
content across grades
World Education Summit
K-12 mapped to meet the
Delhi 2017, Edtech
specific objectives laid out
Review 2018, IDC
by the Central and State
Digital Transformation
Education Boards
2017 etc.
in India

Subscribed by over Content available

5,500 schools, across 12 boards
65,000 classrooms and 5 regional
and 2.7 million languages
students
300,000 sessions
everyday

74
BUSINESS SPREAD

Digital
65,000+
Classrooms
Customer 5500+ schools
Base

2.7 million +

76
 MARQUEE CUSTOMERS

Sowdambika New Cosmo Delhi Public Chief Khalsa

Group Education Society School Deewan

Parthana Akal Academy Narayana Diocese

School Multiple Schools Zion Group Group Jalandhar

215 234 250 274 350 403 630 640 1450

classrooms classrooms classrooms classrooms classrooms classrooms classrooms classrooms classrooms

Trichy 4 Branches Bangalore/ Multi City

Bangalore Mysore

Bangalore Multi City Chennai Nagpur Multi City

77
 BSE - EBIX JV
INSURANCE EXCHANGE
A PIONEERING VENTURE
(THE FIRST OF ITS KIND IN THE WORLD)

Goal is to convert 260,000+ outlets of EbixCash

into insurance point of sale digital outlets
BSE - EBIX JV
INSURANCE EXCHANGE

• 260,000+ EbixCash outlets • 5,000+ Mutual Fund Distributors

• 500+ Sales Staff • 1500+ Broker members
• Presence in 5500+ CITIES, • Financial aware network
TOWNS AND VILLAGES • 24 Branches
• Leadership in money
transfer(domestic and
international), Travel booking,
prepaid and gift cards, utility bill
payments etc.

78
BSE - EBIX JV
INSURANCE EXCHANGE

1 4
Ebix has entered into a joint venture with Bombay Stock
New venture has been branded as BSE-Ebix Insurance
Exchange of India (BSE) to set-up of first of its own kind
Exchange
Insurance Exchange platform in India

2 5
This will allow Insurance Carriers (both on life and
non-life side) to sell life and non-life products through
BSE was set-up in 1875 and is Asia’s first & world’s
distribution network of BSE and EbixCash, which covers
fastest Stock Exchange with a speed of 6 microseconds
the entire depth and breadth of India comprising of
population of over 1.3 billion

3 6 Exchange platform will leverage Ebix’s end-to-end

Insurance Exchange technology, and will encompass
BSE has network of more than 1,500 stock brokers and the entire insurance life cycle from customer relationship
5,000 mutual fund distributors across India management, agency management, multi-quoting,
underwriting, policy creation, claims filing & settlement,
to back end insurance policy administration

79
BSE - EBIX JV
A NEW PARADIGM FOR CONSUMERS

Idea is to reach out to the consumer in every nook and corner of

India through last mile based small outlets

To be able to write insurance business digitally on hand-held

devices in minutes, by using Ebix’s end-to-end insurance
technology expertise

80
BSE - EBIX JV
BENEFITS TO CARRIERS
Unique distribution that includes large, Option to setup auto UW rules, product
medium and small BSE brokers, members, specific configuration on platform without
mutual fund distributors managing the same on its legacy platform

A new age end to end electronic platform

Claims integrations
for best User Experience

Sales Trend Analytics:

Future ready platform for carriers to Analysis about product performance across
setup/manage product directly on the platform/geographies/segment, etc. {Subject
exchange to data sharing norms prescribed by local
regulator and policies of the carriers}

Flexibility for carriers to tweak product

offerings for each of sub-channel/segment

81
(Formerly Miles)

82
COMPANY OVERVIEW
With presence in MEA, SEA and UK, Project PMS is the #1 provider of Asset and Wealth Management Software in India and top 3
in other Emerging Markets

KEY SOLUTIONS

WEALTH MANAGEMENT
SOLUTION CUSTODY SOLUTION

• Multi-channel, multi-asset solution covering the entire wealth • Multi-market, multi asset global custody solution to manage the
management lifecycle entire custodial banking business
• Key functions include CRM, financial and investment planning, • Facilitates trade processing and corporate actions, online trade
order management and revenue management execution, reporting and third party integration with CBS

ASSET MANAGEMENT SECURITY BASED

SOLUTION LENDING

• Multi-asset and multi-currency asset management solution • Market Leader in Security based lending and getting into
• Covers all front (order management, portfolio optimization), Supply Chain financing
middle (order execution, compliance, decision support) and back • Comprehensive solution for lending and collateral
office functions (settlements, fund administration, portfolio management with substantial collateral coverage and types of
accounting etc.) lending

Flexible Deployment Modular Scalable Completely

Single Code Base
(SaaS or On-premise) Technology Stack Architecture build in .Net

Project PMS has developed product modules and a deep understanding of each focus geography; Product Architecture
provides for country specific features to be seamlessly adopted in the rules, integration and reporting layers

83
MONEYWARE® RICH & COMPREHENSIVE WEALTH
& ASSET MANAGEMENT PLATFORM

WEALTH MANAGEMENT ASSET MANAGEMENT

 Comprehensive solution covering the  Complete asset management

entire wealth management lifecycle solution covering all front, middle
and back office functions
 Automates and integrates the end-to-
end process with a modular suite of  Supports multiple asset classes and
solutions currencies
 Easy interface with core banking  Integrated fund accounting feature
systems and multi-channel delivery

SECURITIES BASED COMPLIANCE SOLUTIONS

CUSTODY LENDING

 One stop loan, collateral and

 Robust compliance monitoring
 Multi-market, multi asset real-time risk management
solution covering UCITS,
global custody solution to NURS, IMA and Prospectus
solution for all lenders Rules; Also includes leverage
manage the entire custodial
banking business  Supports multiple types of monitoring under the AIFMD
collateral such as fixed regulations
 Provides a customer – client
interface to view and transact
income, equity, mutual funds
and multiple types of lending
 Plug and play interfaces with
most popular custodian
like promoter funding and solutions – to take positions
portfolio leveraging and trade data

84
MARQUEE CUSTOMER BASE ACROSS
FINANCIAL INSTITUTIONS

Steadily Growing Tier 1 Customer Base of Banks, Wealth & Asset Managers, with over 200 installations,
across 15 countries

85
(Formerly Indus)

86
EXECUTIVE SUMMARY
EbixCash Lending Solutions (formerly Indus) is a global provider of enterprise software solutions used for end-to-
end loan management including loan origination, management and collections – to financial institutions, captive
auto finance and telecoms

Developed Markets: Financial institutions possess disparate Legacy systems for

different products (mortgage, credit card, etc.) that may not properly integrate with
Indus offers mission-critical
other systems nor adhere to compliance, risk management or security standards end-to-end software solutions
Opportunity
for loan origination,
Developing Markets: Lending in developing nations is expanding at a rapid pace
creating demand for a next generation platform
management and collections

• Manage end-to-end application processing

Loan Origination • Acquire in a completely digital environment with flexible workflows and mobile functionality

• Achieve risk management and operational efficiencywith analytics engines

• Enable effective loan accounting, customerservice, compliance and controllership

Loan Management • Automate customer segmentation and communication
• Simplify invoice and portfolio managementprocesses

• Deploy intelligent collections to provide a strong credit infrastructure for more

aggressive products
Loan Collections
• Identify high risk accounts and proactivelycommunicate
• Streamline collections and restructuring workflows throughout financial and legal stages

Banking & Finance Captive Auto Finance Telecom Insurance

Mortgage, consumer and SME lending, Consumer auto loan and dealer Customer acquisition, credit Customer acquisition and retention
receivables and risk management solutions inventory financing solutions to management and collections solutions solutions supporting life, health and
for financial institutions captive auto finance divisions for large telecom operators property & casualty insurance businesses

87
LENDING SOLUTIONS

Providing Lending
Solutions for 20+ years
150+ 40+
Installations Countries

Delivery Centers
BFSI

With focus on BFSI segment

Pune
(Erandwane & Bavdhan) Chennai TELECO
M

88
ENTERPRISE BLUE CHIP CLIENTS

Banking & Finance

Captive Auto
Finance

Telecom

Insurance

89
FUTURE VISION

Web
Peer to Peer Exchange Available

E-Wallet

Lending Services Through

Mobile Payment
EbixCash Outlets

Powering Technology for Lenders

In any Industry

90
 EbixCash Logistics Division

REDEFINING TRUCKING LOGISTICS

90
Defining Travel Logistics

Gateway between Shipper and Transporter

92
93
 STEP
Shipper Uploads Shipment
1
Delhi - Patna
Full Truck

STEP
Carrier Make Offers
2
Carrier ₹ 55,000

Easy to Use Give Quote

PLATFORM

STEP
Shipper Select Offer
3 Carrier A ₹ 54,000
Carrier B ₹ 55,000 Accept
Carrier C ₹ 58,000

STEP
Shipper Rates Carrier
4
Delhi - Patna Carrier B Rate Carrier
Delivered
94
How to Order your Truck

95
Client Names

96
A FEW STRATEGIC THOUGHTS

www.ebix.com
98
97
THE SECRET MANTRA

COST PRICE SELLING PRICE

KEY COMPANY GOALS

On Demand SaaS recurring

Operating Margins of 30-35%
revenue streams

98
EBIX’S ACQUISITION PHILOSOPHY

Looking at
Constantly
Marketplace domestic and
Evaluating
remains robust International
companies
exchanges

Operating
Immediately Margins that SaaS and
Accretive to can reach 30% Cloud based
earnings or more solutions in our core
within 6 months Expands verticals
of acquisition our sales
CRITERIA reach

High Cash
Flow
generation

Low Usually
Customer Structure
Adds to our 75% or Attrition acquisitions with
Complements Customer base more of rates an Earn-out
our existing Recurring feature
product base revenue

99
www.Ebix.com

100