Slides
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INVESTOR PRESENTATION Q2 & H1 FY27
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This presentation and the accompanying slides (the “Presentation”), which have been prepared by Aurionpro Solutions Limited (the “Company”), have been prepared solely for information purposes and do not constitute any offer, recommendation or invitation to purchase or subscribe for any securities, and shall not form the basis or be relied on in connection with any contract or binding commitment what so ever. No offering of securities of the Company will be made except by means of a statutory offering document containing detailed information about the Company. This Presentation has been prepared by the Company based on information and data which the Company considers reliable, but the Company makes no representation or warranty, express or implied, whatsoever, and no reliance shall be placed on, the truth, accuracy, completeness, fairness and reasonableness of the contents of this Presentation. This Presentation may not be all inclusive and may not contain all of the information that you may consider material. Any liability in respect of the contents of, or any omission from, this Presentation is expressly excluded. Certain matters discussed in this Presentation may contain statements regarding the Company’s market opportunity and business prospects that are individually and collectively forward-looking statements. Such forward-looking statements are not guarantees of future performance and are subject to known and unknown risks, uncertainties and assumptions that are difficult to predict. These risks and uncertainties include, but are not limited to, the performance of the Indian economy and of the economies of various international markets, the performance of the industry in India and world-wide, competition, the company’s ability to successfully implement its strategy, the Company’s future levels of growth and expansion, technological implementation, changes and advancements, changes in revenue, income or cash flows, the Company’s market preferences and its exposure to market risks, as well as other risks. The Company’s actual results, levels of activity, performance or achievements could differ materially and adversely from results expressed in or implied by this Presentation. The Company assumes no obligation to update any forward-looking information contained in this Presentation. Any forward-looking statements and projections made by third parties included in this Presentation are not adopted by the Company and the Company is not responsible for such third party statements and projections. All maps used in the presentation are not to scale. All data, information, and maps are provided "as is" without warranty or any representation of accuracy, timeliness or completeness Safe Harbor 2
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Order Book ~Rs 2,050 cr New Logo Wins 28 EBITDA Rs 71 cr (1.0%) YoY Revenue Rs 415 cr +16.0% YoY PAT* Rs 50 cr (11.4%) YoY Performance Snapshot 3*From continued operations Debtor Days 98 ROCE / ROE 13.5% / 10.4% EBITDA Rs 133 cr (5.3%) YoY Revenue Rs 773 cr +11.3% YoY PAT* Rs 95 cr (11.9%) YoY Q2FY27 H1FY27
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Dual Engines of Growth Growing presence across enterprise technology markets alongside a strong banking franchise Banking & Fintech* TIG 303 (60%) 344 (52%) 472 (53%) 631 (54%) 751 (53%) 402 (52%) 202 (40%) 315 (48%) 415 (47%) 542 (46%) 660 (47%) 371 (48%)INR 505 Cr INR 659 Cr INR 887 Cr INR 1,173 Cr INR 1,411 Cr INR 773 Cr FY22 FY23 FY24 FY25 FY26 H1FY27 Revenue (Rs Cr) Core Offerings Integro Suite iCashpro Fintra AuroDigi Auropay Global corporate banking upgrades powered by AurionAI, driving client ROI and recurring annuity revenues Strategic Driver Core Offerings Smart Transit Solutions Capitalizing on massive demand for sovereign mobility infrastructure and mission-critical cloud/data center capacity Strategic Driver 4 Arya.AI Enterprise Data Centers *5 Key Go-lives during Q2FY27
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Market Validation: Securing Mandates Globally US Expansion: Largest-Ever Market Win Secured a $33M+ engagement with a leading US digital insurance payments platform, reinforcing Aurionpro's momentum in the North American fintech market. Domestic Dominance Leading Public Sector Bank (India) & CSB Bank Secured a landmark win for our iCashpro preferred transaction banking solution, alongside a major mandate for our next-generation cash management platform. Global Reach: Leading Singapore- Headquartered Bank Selected our Integro platform for a landmark corporate lending transformation across global subsidiaries. Geographical Revenue (H1FY27) India, 67% APAC (other than India), 16% USA & Europe, 14% MEA & Others, 2% Others, 1% 5 Matkahuolto: Advancing Sustainable Transport Payments Matkahuolto selects Aurionpro to drive seamless and sustainable public transport payment solutions across Finland Strategic Leadership Hire Krishnaraja Tantri CEO, Payments Payments veteran Krishnaraja Tantri appointed CEO of Payments, having ~30 years of experience; strengthens Aurionpro’s Payments leadership to accelerate growth and scale the franchise
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Financial Performance
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Financial Performance – Q2FY27 207 273 226 Q2FY26 Q1FY27 Q2FY27 Sale of Software Service (Rs Cr.) 151 85 189 Q2FY26 Q1FY27 Q2FY27 Sale of Equipment & Product Licenses (Rs Cr.) Revenue (Rs Cr.) EBITDA (Rs Cr.) PAT* (Rs Cr.) 358 358 415 Q2FY26 Q1FY27 Q2FY27 72 62 71 Q2FY26 Q1FY27 Q2FY27 57 45 50 Q2FY26 Q1FY27 Q2FY27 7*From continued operations
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Financial Performance – H1FY27 460 499 H1FY26 H1FY27 Sale of Software Service (Rs Cr.) 235 274 H1FY26 H1FY27 Sale of Equipment & Product Licenses (Rs Cr.) Revenue (Rs Cr.) EBITDA (Rs Cr.) PAT* (Rs Cr.) 694 773 H1FY26 H1FY27 140 133 H1FY26 H1FY27 108 95 H1FY26 H1FY27 8*From continued operations
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Particulars (Rs Cr.) Q2 FY27 Q1 FY27 QoQ Q2 FY26 YoY H1FY27 H1FY26 YoY Revenue from Operations 415 358 15.9% 358 16.0% 773 694 11.3% Total Expenses 344 297 15.9% 286 20.3% 640 554 15.5% EBITDA 71 61 15.8% 72 (1.0%) 133 140 (5.3%) EBITDA % 17.2% 17.2% (1 bps) 20.1% (296 bps) 17.2% 20.2% (301 bps) Depreciation & Amortization 14 11 19.6% 10 36.2% 25 19 30.7% Finance Cost 5 4 11.5% 1 - 9 3 - Other Income 9 7 28.0% 10 (12.5%) 15 13 15.9% PBT 61 52 16.9% 70 (13.1%) 113 131 (13.4%) Tax 11 7 - 14 (20.2%) 18 23 (20.7%) PAT* 50 45 11.5% 57 (11.4%) 95 108 (11.9%) PAT % 12.1% 12.6% (48 bps) 15.8% (374 bps) 12.3% 15.6% (324 bps) EPS* (Basic in Rs.) 9.10 8.52 6.8% 10.27 (11.4%) 17.63 19.97 (11.7%) *From continued operations Consolidated Profit & Loss 9
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Balance Sheet Particulars (Rs Cr.) Sep’26 Mar’26 ASSETS Property, Plant & Equipment 134 136 Right of Use Assets 7 8 Goodwill 545 535 Other Intangible assets 217 137 Intangible Assets Under Development 18 76 Financial Assets - Other Financial Assets 91 84 Income Tax Assets (net) 31 36 Deferred Tax Assets (net) 24 19 Other Non-Current Assets 27 27 Sub-Total Non-Current Assets 1,094 1,058 Inventories 89 33 Financial Assets - Trade Receivables 418 377 - Cash and Cash Equivalents 83 132 - Bank Balances (other than above) 90 73 - Loans 5 4 - Other Financial Assets 416 310 Other Current Assets 388 305 Sub-Total Current Assets 1,490 1,233 Assets Classified as Held for Sale 26 26 TOTAL ASSETS 2,609 2,316 10 Particulars (Rs Cr.) Sep’26 Mar’26 EQUITY AND LIABILITIES Equity Share Capital 54 54 Other Equity 1,772 1,684 Equity Attributable to Equity Shareholders 1,825 1,738 Non-Controlling Interest 8 7 Sub-Total Equity 1,833 1,745 Non-Current Liabilities Financial Liabilities - Borrowings 2 1 - Lease Liability 3 4 - Other Financial Liabilities 27 35 Other Non-Current Liabilities 3 4 Deferred Tax Liabilities (Net) 11 2 Provisions 23 21 Sub-Total Non-Current Liabilities 69 67 Current Liabilities Financial Liabilities - Borrowings 151 50 - Lease Liabilities 5 5 - Trade Payables 202 104 - Other Financial Liabilities 143 198 Other Current Liabilities 169 111 Provisions 17 13 Current Tax Liabilities (net) 17 22 Sub-Total Current Liabilities 705 503 Liabilities Associated with Assets Classified Held for Sale 1 1 TOTAL EQUITY AND LIABILITIES 2,609 2,316
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The Applied AI Engine
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Aurionpro Enterprise AI Portfolio APPLICATIONS LAYER Agent Studio ORCHESTRATION LAYER Weave REASONING LAYER NEXUS MODEL LAYER Prism LLM [7B] & [12B] Proprietary AI models Arya.AI Lexsi.AI Orchestrating the Installed Base Frontier AI Engineering & Governance Lab Orion (Tabular & FMs) Grove + TabTune 1000x faster interpretability, making AI decisions fully transparent and auditable in real-time. State-of-the-art models trained specifically on complex structured financial data. Strict agent guardrails, continuous observability and cost-effective fine-tuning. DI Backtrace V2 100+ AI Models Agentic Outcomes AI acts as the central nervous system Deploying across 100+ live institutions iCashpro & Aurodigi Integro Interact Transforming static transaction linking dashboards into payment workflows. Upgrading retail lending from traditional underwriting to agentic credit decisioning. Customer communication elevated by AI copilots. InfinityOS Aurionpro's End-to-End Enterprise AI Stack Connects AI seamlessly with enterprise applications, data sources and banking systems. 12
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Building the Future of Banking
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Transaction Banking Suite iCashpro Suite Fintra AuroDigi iCashpro Suite (Flagship Transaction Banking) Integrated transaction banking platform powering payments, collections, liquidity and supply chain finance, benchmarked to handle 10 million transactions per hour with 24x7 availability and support for 6,000+ concurrent users. Fintra (Category-Leading Trade Finance) An AI-native trade finance platform that automates the full trade lifecycle through intelligent workflows and straight-through processing. Its AI-first architecture enhances efficiency, scalability, and control, helping financial institutions transform trade operations at scale. AuroDigi (Digital Banking Portal) Delivers a unified digital banking experience for corporate clients through a scalable, API-led platform. By digitizing transaction banking workflows and customer interactions, it enables banks to improve efficiency, agility and client engagement at scale. 14
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Lending Suite – Systematic TAM Capture Across Enterprise Lending Embedded Lending Franchise AI-Native Lending Roadmap A balanced mix of embedded platforms, strategic M&A and in-house R&D strengthens Aurionpro's position across the ending value chain. Comprehensive lending suite recognized across LOS, LMS, limits and collateral management. Strategic Role: Core embedded lending franchise, supporting mission-critical credit workflows and providing a base for cross-sell and AI-led enhancement. Acquired loan management platform strengthening Aurionpro's lending software footprint across banks and financial institutions. Strategic Role: Expands lending scale and broadens customer reach within Aurionpro’s platform ecosystem. Integro / SmartLender Omnifin AI-native credit platform positioned within Aurionpro's Banking Software 2.0 roadmap, alongside Fintra, iCashpro and Integro Strategic Role: In-house R&D platform advancing Aurionpro's AI-native corporate lending capabilities. Retail lending product under Aurionpro’s R&D roadmap, positioned as part of its internally built next-generation product portfolio. Strategic Role: Extends Aurionpro’s lending portfolio into AI-enabled retail credit workflows. Aurioncredit Integro Retail 15
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The Next Growth Engine: TIG & Data Centers
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Automated Gates & Fare Collection (AFC) • Smart gates & ticketing systems • High-volume commuter processing Transit Payment Solutions • Open-loop & closed- loop payments • Secure, real-time transaction handling Platform Screen Doors (PSD) Safety-critical physical integration (new capability) IP Deep Dive: Smart Transit & Infrastructure Connected Transit Journey 17
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THE MACRO (TAM) THE TARGET MARKET (SAM) $ 1.9 Trillion Global Data Center Infra capex to 2030 $ 9 Billion India DC Infrastructure, Engineering & O&M Services (2025-2030) $ 0.5 Billion Serviceable opportunity by FY30 Capturing the Data Centre Infrastructure Opportunity $ 1.9 Trillion Physical infrastructure investments driven by AI workloads, rising power demand and expanding Data Centre capacity requirements $ 9 Billion Supported by rapid capacity additions, increasing AI adoption and continued investment in India’s Data Centre infrastructure ecosystem Positioned to capture value across design, engineering, infrastructure and managed services through an integrated delivery model The AI infrastructure buildout is creating a multi-decade investment cycle. Aurionpro's integrated capabilities across design, infrastructure and digital intelligence position it to participate meaningfully in this opportunity. REVENUE OPPORTUNITY (SOM) 18 TAM → SAM → SOM, cumulative through 2030. SAM/SOM are Aurionpro illustrative estimates anchored to the cited sources. Sources: McKinsey · Goldman Sachs Research · S&P Global / 451 Research · IBEF · IndiaAI Mission · Grand View Research Rs. 500 Cr+ Strong focus on expanding the Data Centre business with a Order book.
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Tech Innovation Group Banking Diverse and Growing Client Base (1/2) 19
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Payments Lending Diverse and Growing Client Base (2/2) 20
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Award Recognitions and Accolades Integro Technologies is a Category Leader 2026 Innovation Leader 2026 in Corporate Banking Technology (iCashpro) Best Transaction Banking Platform - Global Transaction Banking Innovation Awards 2026 iCashpro listed as Representative Vendor in Gartner’s Market Guide for Commercial Banking Cash Management and Trade Finance Solutions 2023 Annual Sales League Table Leadership Club Industry Leader | Transaction Banking Forrester’s Landscape Report Q4, 2023 Aurionpro has been featured in the Forrester report titled "The Cash Management Solutions Landscape, Q4, 2023 Global Fintech Innovation Awards 2025 Best-in-Class Debt Collections Smart Lender listed as Representative Vendor in Gartner’s Market Guide for Commercial Loan Origination Solutions 2023 Global Fintech Innovation Awards 2025 Best-in-Class Trade Finance Platform Integro Technologies Wins RiskTech 100 2024 Award for Best Limits Management, under the category of Lending Operations. Transport Ticketing Global Award-25 Mastercard Transit Certified Backoffice Aurionpro Transit’s AFC Backoffice is today certified by Mastercard
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BOARD OF DIRECTORS Mr Paresh Zaveri Chairman & Managing Director Mr Amit Sheth Co-Chairman & Director Mr Ashish Rai Vice Chairman & Group CEO Mr Ajay Kumar Choudhary Independent Director Mr. Hong Guan Bernard Chew Independent Director Dr Rajeev Uberoi Independent Director Ms Sudha Bhushan Independent Director Mr Ajay Sarupria Director Mr Paresh Zaveri Chairman & Managing Director Mr Ashish Rai Vice Chairman & Group CEO Mr. Sanjay Varma President & Global Head - Fintech Solutions Group Mr Sanjay Bali President & Global Head – Tech Innovation Group Key Leadership and Board of Directors 22 Mr Shekhar Mullatti President & Global Head – Banking
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Thank You +91-22-4040 7070 investorrelation@aurionpro.com 23