presentation on digital journey

Digital Journey: Industry trends and our achievements in recent times

February 2016

Reliance Capital

Confidential Slide 2

This presentation does not constitute a prospectus, an offering circular, an advertisement, a private placement offer letter or offer document or an offer, or

a solicitation of any offer, to purchase or sell any securities under the Companies Act, 2013 and the rules made thereunder, the Securities and Exchange

Board of India (Issue of Capital and Disclosure Requirements) Regulations, 2009, as amended, or any other applicable law. This presentation should not

be considered as a recommendation that any investor should subscribe for, or purchase, any securities of Reliance Capital Limited or its subsidiaries or

its associates (together, the Company) and should not be used as a basis for any investment decision.

The information contained in this presentation is only current as of its date and has not been independently verified. No representation, warranty,

guarantee or undertaking, express or implied, is or will be made as to, and no reliance should be placed on, the accuracy, completeness or fairness of the

information, estimates, projections and opinions contained in this presentation. The Company may alter, modify or otherwise change in any manner the

contents of this presentation, without obligation to notify any person of such revision or changes.

This presentation contains statements that constitute forward-looking statements. These statements include descriptions regarding the intent, belief or

current expectations of the Company or its directors and officers with respect to the results of operations and financial condition of the Company. These

statements can be recognized by the use of words such as expects, plans, will, estimates, projects, or other words of similar meaning. Such

forward-looking statements are not guarantees of future performance and involve risks and uncertainties, and actual results may differ from those in such

forward-looking statements as a result of various factors and assumptions which the Company believes to be reasonable in light of its operating

experience in recent years. The risks and uncertainties relating to these statements include, but not limited to, risks and uncertainties, regarding

fluctuations in earnings, our ability to manage growth, competition, our ability to manage our operations, government policies, regulations etc. The

Company does not undertake to revise any forward-looking statement that may be made from time to time by or on behalf of the Company. Given these

risks, uncertainties and other factors, viewers of this presentation are cautioned not to place undue reliance on these forward looking statements.

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offered or sold in the United States absent registration or an exemption from registration under the U.S. Securities Act of 1933, as amended.

Disclaimer

Confidential Slide

Information Technology

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Way Forward 3

Predictions & Trends - 2016 and beyond 1

Strategic Predictions for 2016 and Beyond

Internet, Channels, Social, IOT, Virtual Assistants, Big Data

Projects undertaken against the emerging trends - Website modernizations,

Mobile Apps, Private Cloud, Advanced Analytics

Current Trends & Our Journey 2

Social, Mobile, Analytics, Cloud, User Experience, Security, Strong Core

Prescriptive Analytics, Hybrid Cloud, Security, Strong Core, User Experience

More Mobile Apps

3

Confidential Slide

Co

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Way Forward 3

Predictions & Trends - 2016 and beyond 1

Strategic Predictions for 2016 and Beyond

Internet, Channels, Social, IOT, Virtual Assistants, Big Data

Projects undertaken against the emerging trends - Website modernizations,

Mobile Apps, Private Cloud, Advanced Analytics

Current Trends & Our Journey 2

Social, Mobile, Analytics, Cloud, User Experience, Security, Strong Core

Information Technology

Prescriptive Analytics, Hybrid Cloud, Security, Strong Core, User Experience

More Mobile Apps

4

Confidential Slide

0

200

400

600

(in million)

2015 2008 2006 2012 2010 2004 2002 2000 1998 1996 1994 1992 2018

5

Exponential internet explosion

India racing ahead: 550 MN+ internet users by 2018

Over 550 million internet users by 2018

60% will only access the internet through their mobile

Source: Boston Consulting, Accenture

Internet 1

Predictions - 2016 and Beyond 1

20 years for first 100 million users; 2-3 years for second 100 million;

1 - 1.5 years for next three 100 million each

Confidential Slide

40

20

0

100

80

60 7.1%

2.9% 7.2%

22.4%

0.1%

3.5% 0.3% 2.4%

42.0%

2010 2003

3.3%

94.3%

5%

49.0%

15.8%

44.6%

% share of transactions from banking channels

2020 (Base)

Branch

ATM cards

POS (Card)

Call centre

Online

Mobile

Direct

channels

Survey across 14K customers, 50K

bank employees (2011)

In Banking

~0% 3.9% 33% % share of direct

channels

By 2020, Share of transactions on direct channels

to increase from 4% to 33% (Banking)

Source: Boston Consulting,

Channels 2

Predictions - 2016 and Beyond 1

6

Confidential Slide

Social Media Users to Grow by 15% by 2016-17 in India

240 million Internet users in India

106 million active social media users

Today social media banking users are

not even 5% of Active Internet banking

or social network users

By 2016-17, it will grow to 13-15%, so

an exponential growth is expected

Source: Gartner, Boston Consulting

Social 3

Predictions - 2016 and Beyond 1

7

Confidential Slide

One million New IOT devices will be purchased

every hour of every day in 2021

By 2020, 50% and more domestic smart objects

will be able to communicate (directly or

indirectly) with smartphones

By 2018, 6 billion connected things

will be requesting support

By 2018, 2 million employees will be required to wear health and fitness tracking devices

as a condition of employment

Worries about system data will be dwarfed by concerns over personal, behavioral and

health data Source: Boston Consulting, Accenture

Internet of Things (IOT) 4

Predictions - 2016 and Beyond 1

8

Confidential Slide

By 2020, smart agents will facilitate 40% of mobile interactions, and the

post-app era will begin to dominate

Virtual personal

assistants (VPAs) for

workforce productivity

would be on the rise

Cloud services with

open VPA APIs would

grow

The post-mobile / post-app era is coming Virtual Assistants 5

Predictions - 2016 and Beyond 1

9

Source: Gartner

Confidential Slide

Through 2020, Smarter and Faster Business Decisions Will Be a Key Driving Force of IT Innovation.

Big Data Analytics will be embedded

everywhere

IDC predicts that by 2020, 50% of all

business analytics software will include

prescriptive analytics

By 2020, IDC predicts, data monetization

efforts will result in enterprises increasing the

marketplaces consumption of their own data

by 100-fold or more

Also, by 2020, the amount of data that is

worth analyzing will double

Source: IDC, Gartner

Big Data 6

Predictions - 2016 and Beyond 1

10

Confidential Slide

Information Technology

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Way Forward

Predictions & Trends - 2016 and beyond

Strategic Predictions for 2016 and Beyond

Internet, Channels, Social , IOT, Virtual Assistants, Big Data

Social, Mobile, Analytics, Cloud, User Experience, Security, Strong Core

Projects undertaken against the emerging trends - Website modernizations, Mobile

Apps, Private Cloud, Advanced Ana