F I N O C o n f i d e n t i a l

Financial Inclusion Network and Operations

Robust Excellence Trust Diversity

CAMPUS PRESENTATION : 2011 – 2012THE FINO WAY…

F I N O C o n f i d e n t i a l

FINO is a business and banking technology platform combined with extensive

services delivery channel.

To provide innovative technical & management services for the masses, in both financial and non-financial domains making a positive impact on their living standards and creating wealth for all stakeholders

ExcellenceLargest

branchless banking

channel in India

DiversityPioneer of

total Financial Inclusion in

India

TrustSecure

transaction mechanism

RobustTechnology platform for mass micro transactions

MISSION

FINO

To achieve a breakthrough in the scale, relevance and reach of the financial services for the un-served and underserved masses through out the world

VISION

F I N O C o n f i d e n t i a l

Content

• Leadership

• Company Overview

• Business Solutions

• Strengths

• Benefits

• Clients

• Awards & Achievements

F I N O C o n f i d e n t i a l

FINO Leadership

Mr. Manish KheraChief Executive Officer

Mr. Rishi GuptaChief Financial Officer

Mr. Unni KrishnanDirector CDV & CEMG

Mr. Rajeev AroraDirector Central Teams & Technology

Mr. Nirmal BansalDirectorRelationship & Account Management

• Mr. Khera had 13 years of experience with ICICI Bank.• His association with ICICI bank has exposed him to the entire gamut of client base from large corporate clients to the micro clients • In his career span he has gained experience in areas of corporate banking, government business and mass / rural banking

• Mr. Gupta has vast experience of more than 13 years in Manufacturing, Banking and International Organizations • Prior to joining FINO, Mr. Gupta was working with International Finance Corporation (Largest Multilateral agency in World, The World Bank) in their Regional Office in New Delhi. He was responsible for project finance and corporate finance function of the office

• Mr. Arora is is responsible for strategizing and overseeing the operational aspects of FINO• He has a rich experience in operations & maintenance spanning over 14 years • Prior to joining FINO Rajeev was associated with ICICI Bank in Corporate Banking • Earlier he worked for 3 years with NTPC taking care of operations and maintenance.

• Mr. Bansal brings with him a rich experience of two and a half decades where he has served with HDFC Bank (including Times Bank which got merged with HDFC Bank in the year 2000• Prior to joining FINO he was holding the position of Executive Vice President & Business Head – North in HDFC Bank where he was associated with Financial Institutions, Public Sector Undertakings and Government Business Group called (FIG)

•Mr. Krishnan brings in over 22 years of experience in product / brand / sales management spanning diverse industries / sectors like FMCG, Banking, Telecom and ITES fields•He has handled senior level assignments across several functions such as Marketing, Retail Sales, Business Development and Operations. •Prior to joining FINO, Mr. Krishnan was working with Spice Digital Ltd., as CMO handling Product Management & Marketing Spice’s Mobile Value Added Services.

F I N O C o n f i d e n t i a l

FINO Company Overview

FY 2006-07

FY 2007-08

FY 2008-09

FY 2009-10

FY 2010-11

FY 2011-12 (Till

July 2011)

0.0500000000000001 2.36 23

151

235190

VOLUME OF TRANSACTIONS

* Values expressed in INR Lakhs

CUSTOMER BASE

FINO founded in year 2006, headquartered in Mumbai, India, has emerged as a leading inventor, innovator and implementer of integrated technology solutions for institutions like Banks, Microfinance Institutions, Government entities, Insurance companies to enable financial inclusion environment for the micro transaction customers.

With over 36 million customer base, 20,000 transaction points in 386 districts across 26 states and an average of 3.5 million transaction per month, FINO is the market leader in delivering products and services to first and last mile.

Public Sector

•UBI•Indian Bank•Corporation Bank•LIC

International Investors

•IFC•Intel Capital•HAV3 Holdings•Black Stone

Private Investors

•ICICI Bank•ICICI Lombard

Others

•IFMR

Our Investors

F I N O C o n f i d e n t i a l

FINO Line of Business

F I N O C o n f i d e n t i a l

FINO Strengths• FINO provides payment

solutions at competitive prices, which is enabled through micro branches and agent network to serve the unbanked and under banked 650 million people in India

• FINO is currently working in 26 states and 386 districts out of 600 districts in India. FINO has demystified the art of acquiring customers and added more than 1 million customers in 22 days at an average of 50,000 customers / day

• FINO is a market leader in its space (~ 60 % - 70% market share) and has acquired over 36million plus customers till date. FINO is working with all the top banks in the country.

• FINO has comprehensive product suite covering banking, Insurance, Government, Retail & Technology

Door Step Banking

Reach & Scale

Market leaderProduct Suite

F I N O C o n f i d e n t i a l

FINO Benefits FINO’s innovative approach for Financial

Inclusion

Technology• Entire gamut of products, yet is

low cost• Interface with the mainstream

banking systems Know-how

• Customer expectations and behavior

• Domain knowledge – training, financial literacy

Services• Central• Field

Delivery would happen through a mix of channels agents, P2P, self serve devices & branches Agent’s key role is getting the new

customer into the fold and materializing / dematerializing money

In case of self-serve devices, the role of field force changes to cash replenishment / management and tech support

FinancialGovernment

Retailers

C u s t o m e r A c q u i s i t i

o n

C u s t o me r

M i g r a t io n

C u s t o me r

S e r v i c e/

D e l i v e ry

F I N O C o n f i d e n t i a l

Banks

Insurance

International

Corporate

Consultants

Government

FINO Marquee Customers

F I N O C o n f i d e n t i a l

FINO Awards & AchievementsWhile we work quietly and set standards in Operational Excellence - a few awards and achievements that showcase our commitment towards continuous improvement are featured below.

2011

• Sankalp Awards – Intellecap Forum

• Young Global Leader , 2011 by World Economic Forum

• CFO 100 Award 2011 by CFO Magazine , India

• Skoch Financial Inclusion Award 2011

• Skoch Digital Inclusion Award 2011

• World Economic Form – Tech Pioneer Award 2011

2010

• Manthan Award “Best Technology Initiative 2010”

• Asia Insurance Review Award

• eINDIA2010 “Best Financial Inclusion Initiative” Award

• Financial Times “Bottom of the Pyramid” Category Award

F I N O C o n f i d e n t i a l

Summer Intern Program

1. Purpose: The purpose of this document is to provide a great learning experience to the interns for their enhancement and growth in the organization.

2. Objective: 2.1 To provide students with opportunities to apply the concepts learnt in the class-room to real-life situations.2.2 To sensitize students to the nuances of a work place. 3. Applicability: Students who have completed at least one year of college and are currently enrolled in a degree programme from an institute of good repute.

4. Responsibility: The Human Resource department will handle the application and selection process so as to select the best intern according to the line of business.

5. Application Process: 5.1 Application received through the placement cell of any institute of a good repute. 5.2 Direct application received through web portal or through any other mode of communiqué.

F I N O C o n f i d e n t i a l

Summer Intern Program…(contd.)6. Selection Process: 6.1 The selection process is a simple methodology of assessing the students by way of a Personal Interview conducted by the HR.6.2 The outcome of the assessment will be communicated to the applicant between 5-7 working days. 6.3 The prospective students will be awarded projects with a Letter of Intent basis their skill-set and relevant background from their current curriculum in the institute.

7. Stipend: As per the company policy, FINO believes in providing an exceptional platform for learning, thus, eliminating the need for stipend.

8. Stay: We expect the interns to make the arrangements for their stay during their project in the location assigned to them.

9. Assessment: 9.1 At the end of the Internship period, the Intern will present a report based on the work done in the given period to the Project Guide (Line Manager) and HR.9.2 A certificate will be issued to the intern after the successful completion of the respective projects.

F I N O C o n f i d e n t i a l

FINO Locations

Financial Inclusion Network and Operations

Registered Office:

Tarun Bharat, Plot no. 38 & 39, Sect. 30, Sanpada west,Navi Mumbai – 400 705Tel.:+ 91-22 4161 3466

Corporate Office:

Wing A,601/602, 6th floor ,Godrej Colesium, Sion Road, Mumbai – 400 019Tel.: +91-22 4243 0400

For more details log on to www.fino.co.in