Rel Corp Presentation

Religare Enterprises Limited - An Overview -

Group Structure Healthcare

Religare Enterprises Limited

Super Religare Laboratories Limited (formerly SRL Ranbaxy)

Religare Technova Limited

Fortis Healthcare Limited

Religare Wellness Limited (formerly Fortis Healthworld)

Religare Voyages Limited

Financial Services Overview

Financial Services Group Overview Religare Enterprises Limited

Our Joint Ventures

Life Insurance business (Aegon as a partner)

Private Wealth business (Macquarie, Australian Financial Services Major as a partner)

Asset Management business (Aegon as a partner)

India’s First SEBI approved Film Fund (Vistaar as a partner)

About Religare Enterprises Limited (REL) 

One of the leading integrated financial services groups of India



Diverse range of offerings



Client base of more than 500,000 and growing, across the retail, wealth and Institutional spectrums

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Pan India and global footprint

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Width and depth of management leading a formidable employee base

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Best-in-class Research

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“Sweetly placed” to spot new opportunities and power ahead

Brand Essence & Identity Core Brand Essence - DILIGENCE

Latin word for 'to bind together‘  Rare four-leaf clover – harbinger of good fortune  Each leaf has a special meaning- Hope, Trust, Care & Good Fortune  Considered good fortune to find a four-leaf clover since there are about estimated 10,000 three-leaf clovers for every one four-leaf clover found. Hope-Trust-Care-Good Fortune, all elements perfectly combine in the emblematic and rare, four-leaf clover to visually symbolize the values that bind together and form the core of the Religare vision.

Brand Attributes & Characteristics

Young Hungry, Learning Dynamic Up-to-date Fresh

Ethical Integrity Transparent Honest Nothing hidden Accessible

Rigor Thoroughness Meticulousness Maintaining integrity Discipline

Processes Methods, Techniques

REL Vision and Mission

Vision

To build Religare as a globally trusted brand in the financial services domain and present it as the ‘Investment Gateway of India’.

We believe that in 5 years approximately 10% of global investment would be allocated to India. We would like Religare to be reflective of the India Investment story within and outside of India and emerge as a top of the mind recall brand. ___________________________________________________________

Mission

Providing financial care driven by the core values of diligence and transparency.

We believe that ‘Diligence’ is imperative for incorporating best practices around advisory, quality and efficiency in the financial services segment. __________________________________________________________

Brand Essence

Core brand essence is “Diligence” and Religare is driven by ethical and dynamic processes for wealth creation.

REL – Religare Enterprises Limited

Financial services businesses depend on the trust of customers, which builds over a period of time through ethical business practices adopted by the organization along with the dynamism of the business processes and models that need to continuously keep evolving and changing in fast changing market scenarios.

REL & its Subsidiaries Structurally, all businesses are operated through various subsidiaries of the holding company, Religare Enterprises Limited

REL Group Structure

 Equity Broking Religare Securities

 Online Investment Portal  Portfolio Management Services  Depository Services

Religare Capital Markets

• Investment Banking  Proposed Institutional Broking

Religare Finvest

 Lending & Distribution business  Proposed Custodial business

Religare Arts Initiative

Religare Commodities

 Commodity Broking

Religare Realty

 In house Real Estate Management Company

Religare Venture Capital

• Private Equity and Investment Manager

Religare Insurance Broking

 Life & Non Life Insurance

 Reinsurance

 Business of Art  Gallery launched – Arts i

Client Interface Retail Spectrum

Institutional Spectrum

Wealth Spectrum

Positioning

Leverage reach and offer integrated Leverage product relationship and To be with service a client growing portfolio centric SMEwealth segment management spread across advisory Indiafirm for the high net worth individua

Products and Services

 Equity Trading  Commodity Trading  Online Investment portal  Personal Financial Services  Portfolio Management Services - Investment Solutions  Institutional Broking  Premier Client Group Services  Investment Banking - Insurance  Arts Initiative  Insurance Advisory - Loans  International Advisory Fund Management Service (AFMS)  Consumer Finance  Insurance Solutions - Life Insurance - Non-Life Insurance

Diversified Integrated Financial Services Platform Arts Initiative

 Recent growth and established businesses testimony of Religare’s commitment towards becoming the Investment Gateway of India

Life Insurance Asset Management Wealth Management Insurance Broking

 Diversified product portfolio with individually focused management teams to create optimum balance and results

Investment Banking Online Trading Distribution Business PMS

PMS

Lending Business

Lending Business

Institutional Broking

Institutional Broking

Institutional Broking

Depository Services

Depository Services

Depository Services

Retail Broking

Retail Broking

Retail Broking

FY 2002

FY 2006

FY 2008

Global Network

With acquisition of Hichens, Harrison & Co, London’s oldest broking & investment firm,

Pan India Footprint

Pan India Presence Expanding 2000

1550

1500

979

1000

459

500

330

110

465

-

2005-06

2006-07

Locations

2007-08

cities

Geographical Distribution

9% 12%

30%

12% 13%

24%

North South East Maharashtra Gujrat Mumbai

Employee Overview

REL Group Employees

REL Group Employee Distribution

10,000 8753

9,000 8,000

10

7,000

0%

6,000 5,000

4,372

4,000 3,000 2,000

1,625

1,000 2005-06

2006-07

2007-08

RSL

RCL

RFL

RWMSL

REL

RCML

Does not include approximately 1000 feet on street engaged on third party rolls.

Formidable employee strength built in the last three years

RIBL

New Initiatives & Alliances

An independent financial advisory platform managed by women, for women  An alternative career path, keeping in mind the needs, wants and desires of today’s woman An opportunity to strike a balance between work and family life

 Relationships with large private and public sector banks  Offering online/offline equities and portfolio management services to Bank’s customers  Some of the key strategic partnerships with: IndusInd Bank, Tamilnad Mercantile Bank Ltd, Corporation Bank, Bank of Rajasthan, etc

Key Highlights Religare Securities Limited (RSL) Religare Commodities Limited (RCL) Religare Finvest Limited (RFL) Religare Capital Markets Limited (RCML) Religare Insurance Broking Limited (RIBL) Religare Arts Initiative Limited (RAIL)

Key Highlights - RSL | RCL | RFL Religare Securities Limited (RSL) • Member: National Stock Exchange & Bombay Stock Exchange • Depository Participant : NSDL & CDSL • SEBI Registered Portfolio Manager • Equity Broking –

Offline Equity Trading

–

Online Trading through www.religareonline.com

• Received in-principle approval from SEBI to be sponsor of Asset Management joint venture with Aegon • Received P1 Credit Rating from CRISIL for its short term debt issuance program

Religare Commodities Limited (RCL) • Member: MCX, NCDEX & NMCE • Present in 529 locations all over India, in addition to 50 Mandi (Rural) locations • Launched Religare Newswire for daily & Live updates on agricommodities directly from Mandi locations to clients through our website and other media • Corporate Desk is taking major steps in getting industry to hedge on Commodity Exchanges • Pioneered the concept of Spot – Futures Arbitrage • Acquired ISO –9001:2000 certification in April 2008

Religare Finvest Limited (RFL) • Non Banking Finance Company registered with Reserve Bank of India • Member: CDSL India • ICRA rating of A1 upgraded to A1+ for short term debt • Applied for Custodial license with SEBI • Separate Depository Participant membership to facilitate custody of securities to loan against share clients • Launched “Religare Finmart” - branded chain of financial services stores across the country • Finmart stores offer – investment products, – loans and – insurance solutions • Launching Consumer Finance Products: – Business Loans – Commercial Vehicle Financing – Loan Against Property – Construction Equipment – Personal Loans

Key Highlights - RCML | RIBL | RAIL Religare Capital Markets Limited

(RCML) • RCML received its certificate for commencement of business on March 14, 2007 • RCML has received approval as Category I Merchant Banker from SEBI • RCML has acquired 200 years old UK based brokerage firm Hichens, Harrison & Co. in May 2008

Religare Arts Initiative Limited

Religare Insurance Broking Limited

(RAIL)

(RIBL) • Composite Insurance approved by IRDA

Broker

•

Business of Arts- “Category First”

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360 degree platform for the “business of arts”

•

Launched Art Fund Pratham in November 2007 for Rs. 11.50 crores

• Offers Life, Non-Life & Reinsurance • Insurance portfolio from more than 3000 insurance products & plans from over 30 companies (both in Life and Non-Life segment) • Launched Online sale of insurance portal in May 2008

• Institutional Brokerage to shift from RSL to RCML. Membership from BSE and NSE received

• Setup dedicated teams focusing on SMEs at each branch

• Empanelment with institutions including top mutual funds, insurance companies, banks and FIIs

• Increased focus on health insurance, package policies for shop keepers and SMEs

Not just another art fund • Holistic model well and truly expressed in the identity- “arts-i” • 1st Gallery/art destination open in 15,000 sq ft area in New Delhi – Galleries – Art store – Café • Engendering an Arts Awareness Program •

Pioneer residency programs for Artists

•

Provide Art Advisory and Value Added Services like – Collection building, Valuation of artworks, Loan, etc

Our Joint Ventures

Key Highlights – our joint ventures

• Religare – the largest shareholder in the JV

• Received SEBI approval

• Operations Commenced

• Targeted presence in 100 cities through own branches in the first 3 years of operation

• Targeting to be one of the strongest Life Insurance brands with a strong retail network

• Aims to put the AMC amongst the leading AMCs from a retail reach perspective

• Successfully beginning to build the brand through the much talked about “KILB” campaign

• Targeting retail MF investors, offshore Institutional clients • AMC to act as sub-advisor for offshore funds November 2008, Religare announced the acquisition (subject to regulatory approvals) of Lotus India Asset Management Company (Lotus India AMC)

Key Highlights – our joint ventures

• India’s 1st Wealth Management JV between Religare and Macquarie

• REL and Vistaar Entertainment Ventures Private Limited entered a 50:50 joint venture agreement

• Poised to redefine the landscape

• Vistaar Religare Capital Advisors Limited (VRCAL) formed

• Powered by Religare’s strong local insights and Macquarie’s global expertise

• SEBI approved Film Fund – “Category First” • Aims at completing 50 projects in 5 years • 5 films already under completion

Religare Research

Research

Structured under the - Religare Hichens, Harrison - brand name globally, our research  Covers 16 sectors and 153 companies  Extends to − Economic research − Result expectations − Derivative strategies − IPO Research − Mutual Fund Research − Special reports like impact of credit policy, budget, etc

The Religare Edge

The Religare Edge

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Diverse Offerings

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Dynamic Management Team

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State-of-the-art technology

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Vast Distribution and Reach

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Robust Brand Recognition

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Synergistic Partnerships

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Innovative Initiatives

The Success Mantras

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Innovation

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Rigor and Diligence

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Ability to create and build synergistic partnerships in order to grow and diversify

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Build and nurture an unique value system

Our Value ECO System

Internal Brand Values

External Brand Values  Diligence  Innovation  Positive Aggression  Forward Thinking

The Core Essence

 Integrity  Client Commitment  Bottom line focused  Balanced empowerment  Entrepreneurial spirit  Teamwork

Thank You