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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 Q2 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 Q2 FY27 Business Highlights
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© 2026 Intellect Design Arena Ltd 5 THE BIG LAUNCH MSOCK connects AI to enterprise knowledge, enabling AI to understand the business, technology and dependencies of mission-critical systems before executing change. The 5 MSOCK Engines: A progressive intelligence chain that turns enterprise knowledge into governed action Multidimensional Multilayer System of Connected Knowledge
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© 2026 Intellect Design Arena Ltd 6 FOUR STRATEGIC PILLARS OF GROWTH Our Strategy for Sustainable Growth Advancing AI-native enterprise transformation, expanding strategic markets and converting innovation into measurable business impact. Strengthening market leadership through differentiated platforms, industry recognition and strategic customer engagements. 3. Strategic Platforms and Innovation ● Purple Fabric drives Business Impact AI through enterprise knowledge, domain expertise and governance. ● eMACH.ai enables composable financial transformation across banking, wealth, treasury, lending and digital engagement. ● MSOCK advances AI-native engineering; ET Enterprise AI Awards 2026 recognise Purple Fabric and Arun Jain. 4. Strategic Deal Wins and Go-Lives ● 21 new customer wins in Q2 FY27 expand AI-first platform adoption. ● 25 financial institutions went live on Intellect platforms. ● Multi-product engagements and global adoption strengthen recurring growth and market reach. 1. AI-First to AI-Native Transformation ● MSOCK advances Intellect’s AI-first journey to AI-native engineering. ● Makes enterprise knowledge computable across business, operations, risk and technology. ● Enables BUILD, RUN, CHANGE and MODERNISE; validated across 141 projects, with 39 patents filed. 2. Strategic Markets Driving Global Growth ● Deepen North American presence across banking, insurance and credit unions. ● Expand across Europe, the Middle East, India and APAC. ● Scale global relationships through composable platforms across banking, wealth, insurance and commerce.
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© 2026 Intellect Design Arena Ltd 7 SIGNIFICANT DEALS • 01 of 03 Q2 Destiny Wins: Platform-Led Transformation Driving Customer Growth One of Mexico’s largest banks is leveraging eMACH.ai Trade Finance and eMACH.ai Supply Chain Finance to digitise trade workflows, streamline document processing and support end-to-end trade transactions, while enabling working capital solutions across buyer and supplier ecosystems One of the Nordic region's leading banks, with a nationwide branch network and international presence, is leveraging eMACH.ai Payments to modernise its payment operations in the UK through a unified platform supporting payment initiation, orchestration, execution, and reconciliation with configurable workflows An independent payment service provider operating out of Hamburg, Germany, is leveraging eMACH.ai Consumer Core Banking to support a flexible, scalable banking technology foundation, with configurable products and processes for evolving business requirements. - A digital bank headquartered in Bahrain is leveraging eMACH.ai Core Banking to support core banking modernisation through a cloud-native, composable architecture designed for operational resilience, product agility and scalable growth. A Shariah-compliant bank in the Maldives is leveraging eMACH.ai Digital Engagement Platform for Consumers, SME to deliver unified digital experiences across consumer and SME banking, supporting customer onboarding, everyday banking, servicing and personalised engagement. Cargills Bank, a licensed commercial bank in Sri Lanka is leveraging the composable eMACH.ai Core Banking Architecture to modernise its banking foundation, enhance product agility and expand its digital banking capabilities, while strengthening its long-standing technology partnership with Intellect. Destiny Deals z A UK joint venture has been established to bring eMACH.ai Wealth to wealth management and advisory firms in the market. The initiative supports modernising wealth management operations, enhancing client engagement and delivering personalised advisory services. z A major UAE financial institution is leveraging Intellect’s Digital Transaction Banking Solution Suite to modernise corporate and institutional banking across payments, liquidity management, receivables, collections and virtual accounts
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© 2026 Intellect Design Arena Ltd 8 SIGNIFICANT DEALS • 02 of 03 Q2 Other Significant Wins: Platform-Led Transformation Driving Customer Growth Western Hemisphere (Americas & Europe) A full-service financial co-operative based in Canada, is leveraging eMACH.ai Digital Engagement Platform for Consumers, SME to deliver unified digital experiences across consumer and SME banking. A leading financial services provider operating in the US and Spain is leveraging eMACH.ai Payments to strengthen US payment processing through unified orchestration, intelligent routing and automated exception management. A local, human-centred financial co-operative headquartered in Canada is leveraging eMACH.ai Digital Engagement Platform to simplify customer journeys and support seamless onboarding, everyday banking and servicing across its consumer and SME segments. A large American P&C carrier headquartered in Lansing, Michigan, is leveraging Magic Submission and Xponent to automate submission processing, improve data extraction and strengthen underwriting accuracy.
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© 2026 Intellect Design Arena Ltd 9 SIGNIFICANT DEALS • 03 of 03 Q2 Other Significant Wins: Platform-Led Transformation Driving Customer Growth Middle East & Africa A leading Middle Eastern financial institution headquartered in Amman, Jordan, and expanding into Europe, is leveraging Intellect’s Digital Transaction Banking Solution Suite to modernise corporate banking across payments, liquidity management, receivables, collections and virtual accounts Malawi’s largest commercial bank is leveraging eMACH.ai Core Banking to modernise its banking foundation, strengthen operational agility and accelerate product innovation through a composable architecture. Kuwait’s leading FMCG retailer is leveraging eMACH.ai Retail 6DX to connect store operations, inventory, pricing, promotions and loyalty. Its nGage CDP and mobile app enable personalised customer engagement, driving operational efficiency, margin improvement and repeat visits. One of India’s largest public sector banks is enhancing its integrated wealth management system with an automated engine for performance-linked incentives and annual increments. The solution consolidates data across business lines and strengthen transparency and auditability. One of India’s largest private sector banks is leveraging eMACH.ai Consumer Core Banking to modernise its banking operations through a composable architecture that enables greater product agility, progressive modernisation and continuous innovation. India One of India’s leading diversified financial services conglomerates is leveraging eMACH.ai Retail Loan Management to automate post-disbursement servicing, streamline loan lifecycle operations and strengthen financial control across its retail lending portfolio. A leading global Contract Research, Development and Manufacturing Organisation (CRDMO) has selected Intellect’s iAPX solution to streamline its Accounts Payable (AP) operations and automate invoice processing. An Indian precision engineering manufacturer specialising in CNC machining and custom aerospace and automotive components is leveraging iAPX to automate invoice processing, reduce manual errors, accelerate payment cycles and improve accounts payable visibility.
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© 2026 Intellect Design Arena Ltd 10 PIPELINE MOMENTUM AT A GLANCE • 01 of 02 Pipeline Quality PIPELINE VALUE ₹ 13,125 Cr +9% YoY Growth PIPELINE — NUMBER OF DESTINY DEALS 103 +6% YoY Growth Destiny Wins Q2 FY27 DESTINY-CLASS WINS 8 WHAT COUNTS Strengthening strategic partnerships through larger, multi- product engagements with marquee institutions. Pipeline Depth & Destiny Wins Robust pipeline, expanding strategic opportunities and continued customer traction support long-term growth.
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© 2026 Intellect Design Arena Ltd 11 Q2 FY27 pursuit count by deal-size band, with quarter-on-quarter movement DEAL SIZE BAND > ₹ 50 Cr 29 DEAL SIZE BAND ₹ 30 - 50 Cr 35 DEAL SIZE BAND ₹ 20 - 30 Cr 39 TOTAL HIGH-VALUE PURSUITS TOTAL 103 Q2 FY27 MOVEMENT • HOW EACH BAND CHANGED FROM PREV QTR 22 + ADDED 7 WON 5 LOST 2 FROM PREV QTR 30 + ADDED 5 WON 1 LOST 3 FROM PREV QTR 33 + ADDED 6 WON 2 LOST 3 FROM PREV QTR 85 + ADDED 18 WON 8 LOST 8 PIPELINE MOMENTUM AT A GLANCE • 02 of 02 High Value Active Pursuits - Pipeline Movement
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© 2026 Intellect Design Arena Ltd 12 Double Win at ET Enterprise AI Awards 2026 Recognising AI leadership and enterprise AI innovation Arun Jain Chairman & Managing Director, Intellect Chief Architect, Purple Fabric Indian CEO Driving AI Innovation Recognised for: Driving Intellect's AI-first strategy and advancing the vision of Business Impact AI, translating deep domain expertise, First Principles Thinking and Design Thinking into enterprise AI innovation. Purple Fabric Intellect's Open Business Impact AI Platform Best AI Development Platform Recognised for: Bringing together Enterprise Knowledge, Digital Experts, LLM Optimisation and Governance to help enterprises move from AI experimentation to contextual, governed and measurable business impact. BUILDING GLOBAL BRAND EQUITY • 01 of 02
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13 © 2026 Intellect Design Arena Ltd Building Market Momentum Through Global Engagements Showcasing innovation, engaging decision-makers and strengthening our global market presence in Q2 2026. Americas ● SIBOS Miami ● ITC - Insurtech Connect Annual Conference - Vegas ● AASCIF Annual Conference ● Risky Futures Demo Series (Virtual event) Europe & UK ● ITFA AGM for Trade Finance (9-11Sep) Middle East ● Money 20/20 Riyadh India ● Global Fintech Fest 2026 ● Assocham-International Fintech Festival ● FIBAC 2026 Africa & APAC ● WCUC 2026 ● TOAP - Trust Officers Association of the Philippines BUILDING GLOBAL BRAND EQUITY • 02 of 02 Global Fintech Fest 2026Money 20/20 RiyadhSIBOS Miami
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© 2026 Intellect Design Arena Ltd 14 Q2 FY27 Financial Highlights
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© 2026 Intellect Design Arena Ltd 15 MOMENTUM AT A GLANCE Growth Momentum Across All Financial Metrics 03 License-linked growth LTM License linked revenue increased to ₹ 1,768 Cr a robust 18% YoY growth reinforcing the compounding strength of subscription revenues 04 Accelerating profit growth LTM PBT stands at ₹ 503 Cr 01 Robust top-line growth Strong Performance delivered with LTM total Income at ₹ 3,388 Cr reflecting a robust 17% YoY growth 05 Cash position growth LTM Cash and cash equivalents increased to ₹ 1,216 Cr a 31% YoY growth reflecting strong cash generation 02 EBITDA growth LTM EBITDA increased to ₹ 736 Cr inspite of over 100 cr AI investments 06 Working capital efficiency DSO (excluding Contractually Not Due) stood at 111 days.
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© 2026 Intellect Design Arena Ltd 16 FINANCIAL HIGHLIGHTS LTM Q2 FY27 – Financial Highlights Total Income YoY: +17% 3,388 Cr License YoY: +2% 575 Cr Platform YoY: +51% 591 Cr AMC YoY: +12% 603 Cr Cash & Cash Equivalent 1,216 Cr Collections 3,282 Cr License Linked Revenue 1,768 Cr YoY: +18% Gross Margin 1,919 Cr YoY: +14% EBITDA 736 Cr YoY: +2% Profit After Tax 378 Cr YoY: -6% Profit After Tax 355 Cr802 Cr 503 Cr YoY: -6% DSO (in Days) 111 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) 100 Cr attributed towards AI Investments With over 100 Cr attributed towards AI Investments With over
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© 2026 Intellect Design Arena Ltd 17 Our Strategy is Translating into Sustained Income Growth Growth momentum reflects consistent execution, growing platform adoption and stronger customer engagement. All amounts are in INR Cr LTM Q3 FY25 to Q2 FY27 Total Income
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© 2026 Intellect Design Arena Ltd 18 FINANCIAL HIGHLIGHTS Q2 FY27 - Financial highlights Total Income 878 Cr License 164 Cr Platform 133 Cr AMC 160 Cr Collections 815 Cr License Linked Revenue 457 Cr Gross Margin 503 Cr EBITDA 199 Cr Profit Before Tax 137 Cr All amounts are in INR Profit After Tax 104 Cr
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© 2026 Intellect Design Arena Ltd 19 Unaudited Financial Results for the Second Quarter Ended - Sept 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 INR 30.84 Cr and the resultant deferred tax of INR 7.76 Cr in Q3 FY26 (due to new labour codes) Particulars Quarter Ended Sept 30, 2026 (Q2 FY27) June 31, 2026 (Q1 FY27) Sept 30, 2025 (Q2 FY26) INCOME Revenue from Operations 855.40 845.17 757.02 Other Income 22.58 27.01 31.91 Total Income 877.98 872.18 788.93 EXPENDITURE Software Development Expenses 375.42 378.26 340.47 Gross Margin 502.56 493.91 448.46 SG & A Expenses 252.50 241.48 206.48 R & E Expenses 51.12 58.17 57.66 Total Expenditure 679.04 677.91 604.61 EBITDA 198.95 194.26 184.32 Depreciation & Amortisation (59.66) (57.60) (48.82) Others (2.26) (1.26) 0.61 Profit / (Loss) Before Tax 137.03 135.41 136.11 Provision For Taxation (32.90) (33.34) (33.84) Profit / (Loss) After Tax 104.13 102.07 102.27 PAT after exceptional items 104.13 102.07 102.27 INR Cr LTM Year Ended Sept 30, 2026 (Q2 FY27) Sept 30, 2025 (Q2 FY26) 3,285.74 2,792.60 101.88 99.85 3,387.62 2,892.45 1,468.25 1,210.78 1,919.37 1,681.66 950.21 743.44 233.27 217.08 2,651.73 2,171.31 735.89 721.14 (229.19) (178.04) (3.33) (6.78) 503.37 536.32 (125.43) (134.05) 377.95 402.28 354.86 402.28 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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20 © 2026 Intellect Design Arena Ltd Board Announcement APPOINTMENT Appointment of Mr. Suresh Eshwara Prabhala as Additional Director (Independent Director) The Board of Directors has approved the appointment of Mr. Suresh Eshwara Prabhala as an Additional Director, designated as an Independent Director, on the recommendation of the Nomination, Remuneration and Compensation Committee (NRCC). His appointment is for a term of five years, subject to the approval of the shareholders through a postal ballot by way of a Special Resolution. Suresh Prabhala is an experienced financial services professional with a total of 28 years of experience in the Indian financial services industry, and the last 22 years focused on leading and managing private equity investments in India. His investment focus is on privately held, mid-market companies that are family-owned and run, with core sectors of focus being manufacturing, healthcare and business services. Currently, Suresh Prabhala is the CIO at 2380 Capital – a newly established Alternative Investment Fund. Previously, he was General Partner and Co-Founder of ADV Partners Capital Management (ADV), an Asia-focused private equity firm with total assets under management of US$ 1.25 billion. Prior to co-founding ADV, in 2009, Suresh set up the India business as Managing Director and Head of India for Mount Kellett Capital Management, a global private equity fund with US$ 8 billion under management, where he was also a member of the Global Investment Committee. Immediately prior to that, Suresh was Executive Director and India head for Principal Investments at JPMorgan. He was part of the group’s Asia Management Committee and also on the Management Committee of JPMorgan India. Suresh began his career as a credit analyst at CRISIL and worked at Arthur Andersen in its Corporate Finance team. Suresh has an MBA from the Indian Institute of Management (IIM) Calcutta and a bachelor's degree in mechanical engineering from the Delhi College of Engineering (DCE). Suresh is an active angel investor and enjoys spending time with start-up founders and early-stage funds. He is an active member of YPO (Chennai and Mumbai chapters) and the Indian Venture Capital Association/ IVCA. Outside of work, Suresh enjoys cycling and playing chess.
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21 © 2026 Intellect Design Arena Ltd Strengthening Executive Leadership BRINGING GLOBAL EXPERTISE Vijay Anand has joined Intellect as Senior Executive Vice President and Chief Operating Officer, Wholesale Banking. He brings extensive global leadership experience across banking, payments, financial technology and enterprise transformation, having held senior roles at FIS Global, Mastercard and Infosys. At FIS, he led the Product and Engineering charter for Digital One, driving strategic transformation across digital and commercial banking, cash and liquidity management, and integrated money movement platforms. At Mastercard, he led global Cards Processing and Digital Payments portfolios across 35+ markets and 120 financial institutions. Earlier at Infosys, he worked with leading global banks on large-scale transformation initiatives. Vijay has contributed to the U.S. Federal Reserve's Faster Payments and Secure Payments Task Forces, engaged with industry advisory firms including Gartner and Forrester, and participated in global forums such as Sibos and Money20/20. At Intellect, he will focus on strengthening Wholesale Banking operations, accelerating product-led innovation, deepening strategic client partnerships and driving sustainable business growth.
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© 2026 Intellect Design Arena Ltd 22 ABOUT INTELLECT Stock information Shareholding Pattern (As on 30th September 2026) Market Cap ₹ 8610.40 Cr 52 Week (High / Low) ₹ 1244 / 595 NSE / BSE - Symbol INTELLECT / 538835 No. of Shares Outstanding 14,04,63,287 Stock Data (As on 30th September 2026) Stock Price ₹ 613 Average Daily Volume (3 Months) - NSE 4.36 Lakhs Others Promoters FPIs Mutual Funds 42.30 % 29.56 % 21.40 % 6.74 %
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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.