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© 2026 Intellect Design Arena Ltd 1 Growth by Design Research and engineering compounding outcomes through deliberate design choices in products, markets, and customers Q1 FY27 Earnings Announcement
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© 2026 Intellect Design Arena Ltd 2 Safe Harbour Statement Certain statements in this release concerning our future prospects are forward-looking statements. Forward-looking statements by their nature involve a number of risks and uncertainties that could cause actual results to differ materially from market expectations. These risks and uncertainties include, but are not limited to our ability to manage growth, intense competition among Indian and overseas IT Products companies, various factors which may affect our cost advantage, such as wage increases or an appreciating Rupee, our ability to attract and retain highly skilled professionals, time and cost overruns on fixed-price, fixed-time frame contracts, client concentration, restrictions on immigration, our ability to manage our international operations, reduced demand for technology in our key focus areas, disruptions in telecommunication networks, our ability to successfully complete and integrate potential acquisitions, liability for damages on our service contracts, the success of the companies in which Intellect Design Arena has made strategic investments, withdrawal of governmental fiscal incentives, political instability, legal restrictions on raising capital or acquiring companies outside India, unauthorised use of our intellectual property and general economic conditions affecting our industry. Intellect Design Arena may, from time to time, make additional written and oral forward-looking statements, including our reports to shareholders. These forward-looking statements represent only the Company’s current intentions, beliefs or expectations, and any forward-looking statement speaks only as of the date on which it was made. The Company assumes no obligation to revise or update any forward-looking statements.
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© 2026 Intellect Design Arena Ltd 3 COMPANY SNAPSHOT Intellect - An AI-first Global FinTech Product Company 62 Countries Global footprint 3 Decades Domain expertise in FinTech, since 1993 500+ Customers Worldwide Banks, AMCs, Insurers & FinTechs 6,500+ Associates Across 39 nationalities 2 Mn hours Annual R&D Applied research investmentWorld’s-first Transformation Design Centre for Financial Technology Design Thinking is our DNA 8012 Core Purpose Drive Business Growth with enhanced efficiency Implementation Certainty 30% lower TCO (Total Cost of Ownership) CORE PURPOSE Complexity Reduction & Transformation Design Commercial Insurance Consumer Banking AI SolutionsDigital Technology for Commerce Wealth & Capital Markets Wholesale Banking
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© 2026 Intellect Design Arena Ltd 4 PLATFORMS LEADERSHIP Two Platforms. One Unfair Advantage. eMACH.ai Comprehensive & Composable Open Finance Platform 700 Microservices 3,061 APIs 942 Events Composable: Combine financial services by design Contextual: Market-specific, not generic solutions Connected: Enterprise Siloed → Connected Intelligence Purple Fabric Open Business Impact Enterprise AI Platform 45+ Clients Live 95%+ Accuracy SLA 18-Layer Architecture No lock-in, no black box — full deployment flexibility Low-code AI Agent Studio for faster build cycles Extends existing AI investment, reduces LLM costs 550 Domain-aware Agents
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© 2026 Intellect Design Arena Ltd 5 Q1 FY27 Business Highlights
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© 2026 Intellect Design Arena Ltd 6 FOUR STRATEGIC PILLARS OF GROWTH • 01 of 02 Our Strategy for Sustainable Growth Our AI-first strategy is working. It is translating into market recognition, customer wins, stronger pipelines and consistent financial performance 1. AI-First Strategy Driving Business Impact • Purple Fabric is at the core of our AI-first strategy, enabling Business Impact AI across the banking value chain. • Accelerate enterprise AI adoption through AI-powered Digital Experts and Agentic AI with enterprise-grade governance. • AI across strategic products, accounts and markets to deliver differentiated customer outcomes. • Create sustainable competitive advantage by transforming AI innovation into measurable business growth. 2. Strategic Markets Driving Global Growth • North America has grown to become one our most strategic growth market, supported by strong customer wins and market leadership. • Accelerate expansion across Europe, the Middle East, India and APAC through targeted go-to-market execution. • Strengthen strategic customer relationships in priority banking markets. • Drive long-term global growth through focused investments in high-potential regions.
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© 2026 Intellect Design Arena Ltd 7 FOUR STRATEGIC PILLARS OF GROWTH • 02 of 02 Our Strategy for Sustainable Growth Our AI-first strategy is working. It is translating into market recognition, customer wins, stronger pipelines and consistent financial performance 3. Strategic Products Driving Market Leadership • Purple Fabric extends our leadership with Business Impact AI for enterprise transformation. • eMACH.ai portfolio powers transformation across Wholesale Banking, Core Banking, Digital Banking, Lending and Wealth. • Purpose-built solutions such as Islamic Banking, Custody and Credit Union Solution Suite address high- growth market opportunities. • Platform-led adoption across Insurance and Credit Unions is strengthening Intellect's growth in North America. 4. Strategic Deal Wins Driving Customer Growth • 19 strategic deal wins in Q1 FY27 across marquee financial institutions, reinforcing demand for our AI- first banking platforms. • 16 digital transformations delivered in Q1 FY27, enabling customers to modernise mission-critical banking operations. • 61 deal wins and 92 digital transformations on an LTM basis, demonstrating sustained execution and customer trust. • Platform-led, multi-product engagements continue to deepen strategic customer relationships and drive long-term recurring growth.
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© 2026 Intellect Design Arena Ltd 8 SIGNIFICANT DEALS • 01 of 02 Q1 Strategic Wins: Platform-Led Transformation Driving Customer Growth Western Hemisphere (Americas & Europe) One of Mexico’s largest commercial banks selected eMACH.ai CBX to accelerate AI -enabled corporate banking through a next-generation digital engagement platform, strengthening relationship management and enhancing client service delivery. Middle East A leading Islamic financial institution selected eMACH.ai DTB and eMACH.ai Lending to establish a unified digital platform spanning corporate banking, payments, collections and lending, enhancing customer experience and operational efficiency. A leading MENA banking group with HQ in the UAE and presence in more than 10 countries renewed its eMACH.ai DTB software subscription and annual maintenance agreement for its Saudi Arabia operations, reinforcing its long -term commitment to Intellect’s integrated transaction banking platform. A UAE commercial bank selected eMACH.ai DTB to modernise transaction banking through an integrated platform encompassing corporate banking, digital onboarding, cash management, virtual accounts, collections and liquidity management. Six credit unions in Canada selected eMACH.ai Digital Engagement Platform (DEP) to transform customer engagement through a modern, omnichannel digital banking experience. The engagement expands Intellect's presence in the North American credit union market, enabling digital-first member experiences at scale. A leading European asset servicing firm selected eMACH.ai CBX to transform enterprise payment origination through a unified corporate banking platform, enhancing operational efficiency, scalability and regulatory readiness..
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© 2026 Intellect Design Arena Ltd 9 SIGNIFICANT DEALS • 02 of 02 India An Indian financial services company providing lending, payments and insurance services selected Purple Fabric, the world's first Open Business Impact AI Platform, to embed AI into business decisions and operational workflows through enterprise knowledge, governance and explainable intelligence. An Indian financial services company offering a range of financial products and services selected eMACH.ai Custody to modernise its post -trade operations with a scalable, enterprise-grade custody platform, reinforcing Intellect's leadership in custody and capital markets technology. A leading financial services organisation selected eMACH.ai Custody to strengthen securities servicing through a modern, API -first custody platform, expanding Intellect's footprint across the custody and wealth management ecosystem. A leading financial institution with expertise across investment banking, asset management and wealth management selected eMACH.ai Custody to establish a scalable, enterprise - grade post-trade platform, strengthening Intellect's presence across India's wealth and custody ecosystem. APAC Driving the future of digital finance, Invictus Diversity Technology Pte. Ltd., a premier technology solutions provider in the Asia -Pacific region, has been handpicked by its banking client to deploy the eMACH.ai Core Banking platform, architecting a next-generation foundation engineered for hyper-scalable innovation, operational agility, and cutting-edge, AI- driven financial services. Diamond Trust Bank, a leading East African banking group with operations across Tanzania, Uganda, and Kenya, has chosen Intellect's eMACH.ai Lending platform to modernize its retail and commercial lending business. The AI -first loan management platform will empower the bank with intelligent automation, scalable operations, and enhanced customer experience, supporting its next phase of digital lending transformation. One of Malaysia's leading Islamic banks selected eMACH.ai DTB to modernise its transaction banking capabilities through a composable, AI-first platform, strengthening digital corporate banking and operational efficiency. The engagement reinforces Intellect's leadership in Islamic transaction banking across Southeast Asia. Q1 Strategic Wins: Platform-Led Transformation Driving Customer Growth
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© 2026 Intellect Design Arena Ltd 10 MOMENTUM AT A GLANCE • 01 of 02 Pipeline Quality PIPELINE VALUE ₹ 13,012 Cr +15% YoY Growth PIPELINE — NUMBER OF DESTINY DEALS 101 +6% YoY Growth (Crossed 100 Destiny deals) Destiny Wins Q1 FY27 DESTINY-CLASS WINS 7 WHAT COUNTS Multi-product, multi-year programs at marquee institutions — strengthening long-term strategic partnerships. Pipeline Depth & Destiny Wins Strong pipeline depth, strategic opportunities and continued customer momentum provide confidence in sustained future growth
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© 2026 Intellect Design Arena Ltd 11 Q1 FY27 pursuit count by deal-size band, with quarter-on-quarter movement DEAL SIZE BAND > ₹ 50 Cr 29 DEAL SIZE BAND ₹ 30 - 50 Cr 34 DEAL SIZE BAND ₹ 20 - 30 Cr 38 TOTAL HIGH-VALUE PURSUITS TOTAL 101 Q1 FY27 MOVEMENT • HOW EACH BAND CHANGED FROM PREV QTR 25 + ADDED 4 WON 2 LOST 1 FROM PREV QTR 31 + ADDED 3 WON 2 LOST 1 FROM PREV QTR 32 + ADDED 6 WON 3 LOST 2 FROM PREV QTR 88 + ADDED 13 WON 7 LOST 4 MOMENTUM AT A GLANCE • 02 of 02 High Value Active Pursuits - Pipeline Movement
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© 2026 Intellect Design Arena Ltd 12 The World is Recognising Our Strategy #1 in the IBSi Global Sales League Table 2026 Across 8 Banking Technology Categories in 29 Countries Regional Leadership in North America Transaction Banking Retail Banking Core Retail Lending Digital Banking & Channels Private Banking & Wealth Management Islamic Retail Banking Core InsurTech 01 02 03 04 05 06 07 08
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© 2026 Intellect Design Arena Ltd 13 Analyst Recognitions ● Purple Fabric was recognised as a Notable Vendor in the Forrester AI Platforms Landscape, Q1 2026 report. ● Wealthforce.ai was recognised as a Notable Vendor in the Forrester Digital Wealth Management Landscape, Q2 2026 report. ● Intellect's eMACH.ai Platform recognized as a Leader in 2026 Gartner® Magic Quadrant for Banking Payment Hub Platforms, 2026 ● eMACH.ai Payments received NACHA Consulting's highest rating across all four major US payment rails. Industry Awards ● Purple Fabric won AI-Powered SaaS Solution of the Year at the SaaS Tech Summit & Awards 2026. ● Intellect was named Leading Technology Partner for AI-First Banking at the World Fintech Summit 2026. ● Intellect received multiple Global Private Banker WealthTech Awards 2026 across AI, analytics, predictive analytics, portfolio intelligence, risk analytics and portfolio optimisation. ● Intellect was recognised at the PWM Wealth Tech Awards 2026 for Trust & Estate Technology and Client Onboarding Technology. ● Intellect received the WealthBriefing Asia Awards 2026 for innovative client solutions. Industry Rankings ● Intellect was named to the AI FinTech100 2026, recognising the world's most innovative companies pioneering AI in financial technology. ● Intellect was recognised in the WealthTech100 2026, highlighting the world's leading technology companies transforming investment, banking and wealth management. Customer Recognitions ● Intellect eMACH.ai Wholesale Banking powered Arab National Bank (ANB) won the "Best in Class Transaction Banking" and "Corporate Bank of the Year" awards at the IBSi MEBX Awards. The World is Recognising Our Strategy Consistent Recognition from Leading Global Industry Analysts
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© 2026 Intellect Design Arena Ltd 14 Our Strategy is Translating into Sustained Growth in Total Income Momentum from LTM Q3FY25 to LTM Q1FY27 reflects consistent execution, growing platform adoption and stronger customer engagement. All amounts are in INR Cr LTM Q3 25 - LTM Q1 27 Total Income
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© 2026 Intellect Design Arena Ltd 15 Building Market Momentum Through Global Engagements Showcasing innovation, engaging decision-makers and strengthening our global market presence. Americas ● NACHA - Smarter Faster Payments ● CCUA Conference 2026 ● ABA Risk and Compliance Conference 2026 ● Payments Canada Summit 2026 ● Datos Insights Leaders Tech 2026 ● The E&S Insurer Awards 2026 ● Insurtech Insights USA 2026 Conference Europe & UK ● Money 2020 Europe ● Intellect Oxford School of Wholesale Banking 2026 ● EBA Day 2026 ● AI Impact Summit, France India ● NRF APAC 2026 ● AWS Mumbai Summit ● 5th Procurement Strategy India Summit ● PF Masterclass ● ELETS 2nd World Fintech Summit 2026 ● 20th Edition of Future of Finance ● Phygital Retail Convention Africa ● Golf & Beyond Black Excellence Awards Golf Day
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© 2026 Intellect Design Arena Ltd 16 Q1 FY27 saw 4 leadership appointments across Banking, Insurance, AI and Technology, strengthening Intellect's AI-first growth agenda ● Shiv Kumar Bhasin joined Purple Fabric as Executive Vice President, AI Consulting Practices Head, bringing deep expertise in AI, digital transformation and enterprise technology to scale Intellect's AI consulting capabilities. ● Ravishankar Subramanian joined as Executive Vice President in the Office of the Chairman and Chief Architect, bringing extensive experience in AI-led business transformation and enterprise-scale technology leadership to accelerate Intellect's strategic innovation agenda. ● Simon Matthew Fagg joined as Senior Vice President, Insurance Go-To-Market Leader, leveraging over 30 years of global insurance experience to strengthen Intellect's insurance business and market expansion. ● Tarun Vijay Kapoor joined as Senior Vice President, Intellect WB CTO, bringing over 25 years of expertise in banking architecture and enterprise technology to drive AI First work design and strategic technology initiatives. Strategic Leadership Appointments
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© 2026 Intellect Design Arena Ltd 17 Q1 FY27 Financial Highlights
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© 2026 Intellect Design Arena Ltd 18 MOMENTUM AT A GLANCE Growth Momentum Across All Financial Metrics 03 License-linked growth License linked revenue increased to ₹ 457 Cr a robust 17% YoY growth reinforcing the compounding strength of subscription revenues 04 Accelerating profit growth PBT increased to ₹ 135 Cr a 7% YoY growth, reflecting steady profit expansion driven by execution discipline 01 Robust top-line growth Strong Performance delivered with total Income at ₹ 872 Cr reflecting a robust 19% YoY growth 05 Cash position growth Cash and cash equivalents increased to ₹ 1,269 Cr a 30% YoY growth reflecting strong cash generation 02 Strong EBITDA growth EBITDA increased to ₹ 194 Cr a strong 10% YoY growth reflecting strong operating leverage and our platform led model 06 Working capital efficiency DSO (excluding Contractually Not Due) stood at 124 days, reflecting tighter collections and improved working capital management
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© 2026 Intellect Design Arena Ltd 19 FINANCIAL HIGHLIGHTS • 01 OF 02 Q1 FY27 – Financial highlights Total Income YoY: +19% 872 Cr License YoY: +28% 166 Cr Platform YoY: +12% 141 Cr AMC YoY: +12% 150 Cr Collections 763 Cr License Linked Revenue 457 Cr YoY: +17% Gross Margin 494 Cr YoY: +19% EBITDA 194 Cr YoY: +10% Profit Before Tax 135 Cr YoY: +7% Profit After Tax 102 Cr YoY: +8% All amounts are in INR 1,269 Cr Cash & Cash Equivalent
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© 2026 Intellect Design Arena Ltd 20 FINANCIAL HIGHLIGHTS • 02 OF 02 LTM Q1 FY27 – Financial highlights Total Income YoY: +23% 3,299 Cr License YoY: +9% 554 Cr Platform YoY: +98% 595 Cr AMC YoY: +13% 585 Cr Cash & Cash Equivalent 1,269 Cr Collections 3,221 Cr License Linked Revenue 1,734 Cr YoY: +31% Gross Margin 1,865 Cr YoY: +19% EBITDA 721 Cr YoY: +12% Profit After Tax 376 Cr YoY: +7% Profit After Tax 353 Cr782 Cr 502 Cr YoY: +7% DSO (in Days) 124 Profit Before Tax (Before Exceptional Items) Excludes stock compensation cost (After Exceptional Items) (Adjusted EBITDA) All amounts are in INR Non-GAAP EBITDA (Excluding Contractually Not Due)
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© 2026 Intellect Design Arena Ltd 21 Unaudited Financial Results for the First Quarter Ended – June 30, 2026 Additional Information on function-wise classification of the statement of Profit and Loss of the Group Note: Exceptional items comprises of Gratuity Provision of ₹ 30.84 Cr and the resultant deferred tax of ₹ 7.76 Cr in Q3 FY26 (due to new labour codes) Particulars Quarter Ended June 30, 2026 (Q1FY27) Mar 31, 2026 (Q4FY26) June 30, 2025 (Q1FY26) INCOME Revenue from Operations 845.17 851.65 700.79 Other Income 27.01 32.82 33.58 Total Income 872.18 884.47 734.37 EXPENDITURE Software Development Expenses 378.26 369.02 319.77 Gross Margin 493.91 515.46 414.60 SG & A Expenses 241.48 232.06 184.36 R & E Expenses 58.17 62.57 54.21 Total Expenditure 677.91 663.65 558.34 EBITDA 194.26 220.83 176.03 Depreciation & Amortisation (57.60) (58.72) (48.14) Others (1.26) (0.01) (1.86) Profit / (Loss) Before Tax 135.41 162.10 126.03 Provision For Taxation (33.34) (41.88) (31.54) Profit / (Loss) After Tax 102.07 120.22 94.49 PAT after exceptional items 102.07 120.22 94.49 INR Cr LTM Year Ended Jun 30, 2026 (Q1FY27) Jun 30, 2025 (Q1FY26) 3,187.35 2,591.48 111.22 98.69 3,298.57 2,690.17 1,433.30 1,128.02 1,865.27 1,562.15 904.19 704.92 239.81 210.88 2,577.30 2,043.82 721.27 646.35 (218.36) (168.02) (0.45) (8.02) 502.46 470.31 (126.37) (117.50) 376.09 352.80 353.01 352.80 Full Year Ended Mar 31, 2026 (FY26) Mar 31, 2025 (FY25) 3,042.97 2,495.50 117.79 81.53 3,160.76 2,577.03 1,374.81 1,070.18 1,785.96 1,506.85 847.07 691.38 235.85 207.90 2,457.73 1,969.46 703.03 607.57 (208.90 (156.41) (1.05) (9.10) 493.08 442.07 (124.58) (109.29) 368.51 332.77 345.43 332.77
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© 2026 Intellect Design Arena Ltd 22 About Intellect Stock information Shareholding Pattern (As on 30th June 2026) Market Cap ₹ 10050. 59 Cr 52 Week (High / Low) ₹ 1244 / 595 NSE / BSE - Symbol INTELLECT / 538835 No. of Shares Outstanding 14,01,75,678 Stock Data (As on 30th June 2026) Stock Price ₹ 717 Average Daily Volume (3 Months) - NSE 6.13 Lakhs Others Promoters FPIs Mutual Funds 40.22 % 29.62 % 23.51 % 6.65 %
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© 2026 Intellect Design Arena Ltd 23 About Intellect Intellect - Contacts Vasudha Subramaniam vasudha.s@intellectdesign.com Chief Financial Officer Praveen Malik +91 89397 82837 praveen.malik@intellectdesign.com Investor Relations Nachu Nagappan +91 89396 19676 nachu.nagappan@intellectdesign.com Corporate Communications
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© 2026 Intellect Design Arena Ltd 24 © 2026, Intellect Design Arena Limited. All rights reserved. These materials are confidential and proprietary to Intellect and no part of these materials should be reproduced, published in any form by any means, electronic or mechanical including photocopy or any information storage or retrieval system nor should the materials be disclosed to third parties without the express written authorization of Intellect Design Arena Limited.