FCH - An overview of Future Capital Holdings Ltd

CORPORATE PRESENTATION, November 2010

Future Capital Holdings Ltd.- An Overview 03

Future Capital Holdings (FCH) is a provider of financial services across wholesale and
consumer businesses, with aspirations to grow into a significant financial conglomerate.
FCH will develop a unique positioning of a financial services business, integrated with a
retail chain.

Net Worth Rs. 7.57 billion (168 mn $)
No. of shareholders 160,000
Tier I Capital Adequacy Ratio 24% (Sep ’10)
Date of Listing 1st February 2008
Exchanges Listed on BSE & NSE
Listing Code FCH & 532938
Stake of FCH held by Pantaloon Retail India Ltd (PRIL) 55%

Private & Confidential

Holding Co.- Pantaloon Retail India
Limited (PRIL) 04

§ Market Cap of > USD 2 bn

§ Annual Turnover of $ 2.5 bn

§ Presence in 80 cities and 55 rural locations

§ 15 mn square feet of retail space

§ PRIL has 2 JVs with the Generali Group of Italy market cap
(28 bn$) in life and non-life insurance businesses

Store Category Number
Big Bazaar Supermarket 132
Pantaloon Fashion 48
E-zone Lifestyle Electronics 44
Home Town Home furnishing, Design and Build Services 10

The Future group has over 200 stores in retail, fashion and supermarket formats. FCH will leverage this strength to offer a full
range of financial solutions to walk-ins in the stores

Focus of FCH 05

§ Till 2009-10, FCH largely focused on developing the Private
Asset Management business. The company had raised
commitments for USD 800 mn of assets as of Dec 2009. In
Jan 2010, this business was outsourced to Everstone
Capital. FCH has an economic interest to the extent of 40%
of the carry in this business

§ Subsequent to this development, FCH will now focus on
building on the core businesses of retail & wholesale
financing

§ FCH currently has Tier 1 capital of Rs. 7.57 Billion, and
intends to adequately leverage the balance sheet in order to
deliver appropriate return to the shareholders

§ In addition, another Rs. 2.37 billion is expected to be
infused in the company as Tier I capital, as warrants

become due for conversion by end fiscal 2011

Indian Demographics 07

Demographic and
2006 2007 2008 2009 2010
economic indicators
Population Density
376.62 382.17 387.66 393.11 398.51
(people per sq km)
Indian Population (Age Groups), 2010 Real GDP Growth (%
9.65 9.87 6.47 5.68 9.67
(%) growth)
Inflation (% growth) 6.17 6.39 8.32 10.83 11.73
6
GDP Measured at
Purchasing Power
2,870,338.36 3,238,764.16 3,443,782.05 3,784,954.14 4,188,653.17
45 31 Parity (million
international $)
Consumer
Expenditure (US$ 535,677.28 670,213.70 727,716.06 725,566.26 789,818.19
million)
18
Annual Gross
806,329.09 1,026,477.35 1,124,020.44 1,093,799.04 1,133,694.76
65 plus 0 to 14 15 to 24 25 to 64 Income (US$ million)
Annual Disposable
783,631.61 984,869.09 1,066,340.77 1,036,704.02 1,075,448.35
Source: Asian demographics Income (US$ million)


Huge Potential 08

§ Penetration of mortgages in India is very low. The mortgage to GDP ratio in India is at 7%, whereas most
other developing Asian countries are all between 20-25%

§ Financial products are under-penetrated in India offering tremendous growth opportunity

MF AUM as % of GDP Insurance penetration %
18 16
80 15
67 16
70
14 12
60 12 10 10
50 10
40 8
30 30
30 23 6
20 14 4
10 2
0
0
UK S Africa S Korea Japan India
USA Brazil S Africa S Korea India

§ Over the next 5 years, over 9 million FIRST-TIME retail customers are likely to buy Financial product

§ Consumption is showing continued uptick, leading to increase in utilization levels. Thus we believe that
investments & domestic consumption will be two main pillars of economy

Low penetration of
non banking financial services 09

Lending Business Insurance Equity Broking
(Retail Loans as % of GDP) (Premium as % of GDP) (Share of stocks in household assets (financial))

70 18 16 40
59 15 34
60 16 35
50 14 12 30
50
40 12 10
37 25
40 10
20
30 8
15 13
6 5
20 10 7 7
10 4 6
10 2 5
0 0 0
Taiwan Hong Kong South Korea Malaysia India USA South Africa South Korea Japan India USA UK Korea Japan India

(Source: Reliance Capital Report, February 2010)

Government initiatives to accelerate the growth of NBFC sector:

§ Reforming the sector, by allowing
• non deposit taking NBFCs to raise short-term foreign currency borrowings

• banks to avail liquidity support under the LAF for the purpose of meeting the funding requirements of NBFCs
§ Reducing Risk weights

Exponential growth of Indian HNWIs 10

Wealth of Indian HNI’s has grown by 53.8% and Number of HNI’s in India has grown by nearly 50.9% in 2009 over 2008

Distribution of Asia-Pacific HNI Asia-Pacific HNI Annual change
40.3%
wealth, 2009 wealth by market, 2009 2008-09
(by market) (in $ billion) (in %)
Japan 3,892 22.4
24.3%
China 2,347 40.4
Australia 519 36.7
5.4%
India 477 53.8
4.9% Hong Kong 379 108.9

3.9% Singapore 369 35.6
South Korea 340 23.2
3.8%
Taiwan 264 49.6
3.5%
Thailand 232 22.2
2.7%

2.4% Indonesia 80 30.6
0.8%
7.8% Other markets 749 11.6
(Source: Asia Pacific Wealth Report, 2010 by Capgemini)

Future Expectations 11

§ GDP to quadruple to Rs. 205-trillion (USD 4.51 trillion) by 2020 from Rs. 53-trillion (USD 1.16 trillion) in
2009 (Source: Edelweiss Report - India 2020-Seeing, Beyond)

§ Domestic Consumption Expenditure in the country is set to triple from Rs. 30,000 billion (USD 661.22
billion) in 2009 to Rs. 113-trillion (USD 2.49 trillion) in 2020 (Source: Edelweiss Report - India 2020-Seeing, Beyond)

§ Investment in infrastructure is also set to witness a three times increase from Rs. 21,000 billion (USD
462.86 billion) in the Eleventh Plan (FY 08-12) to Rs. 62-trillion (USD 1.36 trillion) between 2010 to 2020
(Source: Edelweiss Report - India 2020-Seeing, Beyond)

§ Nearly 270 million people are expected to be added to the net working population in the next two decades
(Source: McKinsey)

§ Nearly 91 million urban households will be middle class, up from 22 million today, making it is an even
bigger consumption engine than China by 2030 (Source: McKinsey)

Note: Calculated taking INR / 1 USD: 45.37 (02/12/2010)

The long term growth across
FS opportunities seems to be strong 12

Insurance NBP MF AuM
186
+14% p.a. 1650
20-25% p.a.

87

435

2009 2015 2009 2015

Retail broking revenue pool Retail assets (outstanding)
1793
+15% p.a. 29.4 +18% p.a.

14.6 655

Source: IRDA; AMFI; 2009 2015 2009 2015

Consumer Finance and Retail Finance 13

Retail Finance Disbursements - Higher disposable incomes along with increased affordability and propensity
to consume will drive this growth.

Personal Loans, 2.7 Consumer durables, 0.9

Personal Loans, 3.2 Consumer
durables, 0.7

Credit cards, 8.4
Credit Car finance, 12.9
cards, 8.2 Utility Vehicles, 3.9
Car finance, 12.6 Utility Vehicles, 3.7

Wheelers, 3.5 Wheelers, 3.2

Rs. 2.5tn CVs, 12.8 29% CAGR Rs. 4.2tn
CVs, 12.5
Mortgages, 55.3

Mortgages, 55.5

Source: CIBIL, IDFC Securities Research

Gold Loans 14

The gold loans market in India is highly untapped and sees a huge growth potential

Size of the gold loan market in India
§ Higher interest rates in lieu of
1200
• Lower turnover time 1017
1000
• Cash disbursal ability 35 % CAGR 798
• Minimum documentation 800
616
• Host of product features 600
416
§ Provision expenses remain low due to high liquidity value of 400

underlying collateral 200

§ Segment more profitable for NBFCs 0
2009 2010 2011E 2012E
Organized market share (Rs. bn)

Source: ICRA, IDFC Securities Research

The Risk Spectrum 15

Low

Gold Loans

Retail Loans FY10-12E CAGR Market size (FY12E)

Mortgage Loans Gold Loans 35% Rs. 1,017 billions
Mortgages 30% Rs. 2,336 billions
Commercial vehicle loans 27% Rs. 524 billions
Risk

Auto loans 31% Rs. 709 billions
New car / New CVs
Two wheelers 23% Rs. 134 billions
Consumer durables 40% Rs. 36 billions
Credit cards 35% Rs. 350 billions
Two-wheeler
Personal loans 20% Rs. 208 billions
Source: IDFC Securities Research
Credit cards and

personal loans
High

Source: IDFC Securities Research

The Opportunity is largely driven through
Deposits, Lending products, Insurance &
Wealth 16

Urban organized revenue pool distribution
Per cent; Rs billion
CAGR between ’08 and ‘10 CAGR between ’10 and ‘13

674 14 876 16 1,372

Deposits 20 15
40 44 43
Insurance
Distribution
Mutual Fund
Distribution 17 15
Equity Brokerage 12
7 12 17 12
and PMS 3
3
Credit Cards 7 7 3 17
6 6
Mortgages 7 10 20
6 7
Auto loans
14 7 17
Loan against 13 13
Securities and FD 7 17
5 5 5

PL 0 7 0 17 0
Others 11 7 10 17 10
0 7 0 17 0

FY ‘08 FY ’10 FY ’13

FCH – Independent Directors 18

FCH is a professionally managed company with a Board of 5 independent & eminent directors:

GN Bajpai: Formerly Chairman- SEBI & Chairman - LIC of India, Corporate Governance Task Force of International Organisation of
Securities Commission. Chairperson of Insurance Institute of India.

Shailesh Haribhakti: Chairman BDO consulting and Managing Partner, Haribhakti and Co, Chartered Accountants, Past President,
Indian Merchants Chamber.

N C Singhal: Formerly Chief Executive Officer and Managing Director of Shipping Credit & Investment Corporation of India (SCICI),
as Senior Executive of ICICI Limited, Ex- independent Director- Axis Bank, Currently Director- Birla Sunlife AMC, Max India, Deepak
Fertilizers.

Anil Singhvi: Formerly CEO of Holcim India, Executive Director of Gujarat Ambuja Cements Limited, Advisor and Vice Chairman
with Reliance Natural Resources Limited.

Pradeep Mukherjee: Formerly Human Resources Director and Vice President with Citigroup. Founder Director of Confluence

Coaching & Consulting and CEO of Potential Unlimited.

Introduction to
Management Team

FCH – VC & Managing Director 20

V. Vaidyanathan

In August 2010, the FCH Board hired Mr. V. Vaidyanathan to lead the financial services business

Mr. V. Vaidyanathan was appointed as the Vice Chairman and Managing Director of Future Capital Holdings (FCH) in August
2010. Prior to this, he was on the Board of ICICI Bank, and set up & managed the bank’s Consumer Banking Business since
its inception in 2000, and took the businesses to market leadership. The business included 1400 branches, retail
deposits, mortgages and other consumer loans, SME and rural banking. He was one of the key management personnel to help
the transition of ICICI from Development Financial Institution to a Commercial Bank during the last decade.

His contribution has won him many recognitions and awards in the banking industry, domestically and internationally. In
2009, he moved from ICICI Bank to ICICI Prudential Life Insurance as the MD and CEO, where he led company towards
profitability.

He was also the chairman of ICICI Home Finance Company, and served on the boards of ICICI Lombard General

Insurance, and CIBIL, India’s first credit bureau. He worked with Citibank India’s Consumer Banking from 1990 to 2000.

He is an alumnus of Birla Institute of Technology and Harvard Business School.

Management Structure 21

Recently hired
BOARD OF DIRECTORS

VC & MD

CEO- Corporate Center CEO-Retail
Chief Risk Officer
Wholesale Credit Head & CFO Financial Services

Financial store in store Loan against Securities Loan against Property Wealth Management
Marketing & Branding Loan against Gold Consumer Durable loan
BIU
Credit cards $

The company has recently completed hiring for all important positions

$ Closed loop card for spends at Future Retail Stores only

FCH – Management Team 22

Apul Nayyar, CEO-Consumer Business: Apul joined FCH in October 2010. Prior to this, he was the ED & CEO of India Infoline
Investment Services Ltd. (Credit & Financing arm of India Infoline Group), CEO – Moneyline Credit Ltd., CEO & Manager – India Infoline
Housing Finance Co. Ltd. He contributed significantly to the start up and development of various business models. Prior to joining IIL, he was
associated with DSP Merrill Lynch as Co-Head – Consumer Finance, Global Structured Finance & Investments and Co-CEO – Moneyline.
He has also worked with Citifinancial Consumer Finance India Limited where he was involved in setting up of operations of different products
under retails finance business, retail financial product development and administration of marketing and distribution thereof, Human Resource
Management, Risk Management, Product Portfolio Management, managing treasury and investments, fund raising, etc. Overall, Apul has 14
years of experience in the financial services sector. Apul is a Bachelor of Commerce from Delhi University and a CA by profession.

Shailesh Shirali, CEO – Wholesale Credit: Shailesh joined FCH in July 2008 to start the corporate lending business. He was formerly
MD- Global Structured Finance & Investments at Merrill Lynch India for 2 years. Prior to that, Shailesh was with Rabo India Finance Limited
for 5 years as ED Structured Finance, Leveraged Finance, Infrastructure - responsible for the on shore and off shore business for Indian
corporates. His first assignment was with ICICI Limited in Credit Risk and in Structured Finance. Shailesh is a BCom from NM College and a
CA by profession and has over 17 years of work experience.

Ashok Shinkar, Corporate Centre Head & CFO: Prior to FCH, Ashok was on the Board of Wanbury Limited, one of the fastest growing
Pharma company amongst top 100 companies in India. He headed finance function & also handled strategy, accounts, finance, taxation,
mergers and acquisitions and financial resources mobilizations etc. Prior to joining Wanbury, he was associated with SSKI Corporate
Finance for more than 4 years as a Vice President and handled Corporate Finance Advisory; M&A; Private Equity; Debt and Equity
Structuring; and Merchant Banking activities. Ashok has also worked with J M Morgan Stanley for around 7 years in the field of Investment
banking activities including merchant banking, corporate and financial advisory in various sectors including power, oil and gas, infrastructure,

Pharma, iron and steel etc. Ashok is a Bachelor of Commerce from Sydenham College of Commerce & Economics, Mumbai and a Chartered
Accountant by profession.

Loan Book Composition 24

(Rs. in bn)
Mar - 09 Sep – 09 Mar – 10 Sep – 10 6 mths growth (Mar10 – Sep10)
Retail Loans 3.01 2.48 2.91 5.25 80%
Wholesale Loans 1.66 3.90 7.69 10.35 40%
Portfolio Buyouts 1.49 4.24 4.75 5.13 8%
Total 6.16 10.62 14.95 20.73 39%

§ The loan book grew by 39% from Mar ’10 till Sep ’10

§ FCH has a Tier I capital adequacy ratio of 24% as of Sep ’10. FCH intends to leverage the capital for improving the return
on capital

§ The company will wind down exposure on portfolios purchased from the market in the next 4 quarters, as our own capability
for originating loans builds up, which will provide higher yields

§ Incremental Retail loans are being originated mainly in secured lending space viz. Loans Against Property & Gold loans.
These businesses have traditionally been low on delinquency, with NPAs less than 1%, but offer high risk adjusted returns.

The company has withdrawn Personal Loans to Self Employed as a line of business

§ The entire wholesale credit is secured against collateral of atleast 2.5 times the loan amount

Gross and Net NPA 25

0.6 0.57

0.5
0.5 0.48

0.42
0.4
0.33
Rs. In billions

Gross NPA
0.29
0.3
0.25 Net NPA
0.23
0.2 0.21
0.2 0.18
0.16 0.15

0.1

0
0
Mar-09 Jun-09 Sep-09 Dec-09 Mar-10 Jun-10 Sep-10
Period ending

Gross & Net NPA in absolute terms have been reducing for the last 2 quarters

Net NPA % to Loan book 26

(%)
3
2.6
2.5
2.2

2
1.7

1.5
1.1
0.9
1

0.5

0
Sep-09 Dec-10 Mar-10 Jun-10 Sep-10

As of Sept. 2010, the Gross NPA is 2.0% and the Net NPA is 0.9%.

Strategies & Plans of FCH 28

§ To be a provider of financial services across
wholesale and consumer businesses, to grow into a
significant financial conglomerate.

§ To emerge as a financial supermarket

§ To build good quality retail credit assets through
tighter control on credit, collections and operations-
To maintain a high secured book as a percentage of
the total book size

§ To create a comprehensive online platform to
enable seamless execution of wide suite of financial
products, backed by superior research and advice


Lines of Businesses 29

PRODUCT PROPOSITION

Retail Wholesale

Consumer Durables loan Credit facilities

Loan against property Loan Syndication

Loan against Shares

Loan against Gold
• For use only at Future retail store formats.
Permission applied for from RBI
Credit Cards (closed loop) * • The company has stopped providing
Personal Loans to Self employed
businesses recently
Wealth Management
• $ Licence applied for

Asset Management Company $
Interest Income Current Product offerings

Fee based Income New Product offerings

Proposed lines of businesses
for building the balance sheet 30

RETAIL
§ Lending against property is a secured lending business with traditionally low NPA
Loan against Property of less than 1%. This line of business generates healthy APRs

§ Loans/Overdraft to customers/companies to leverage their shares for 3 – 12
Loan against securities months for meeting their short term needs
§ Loans to employees looking for funding against their ESOP’s

§ Lending against Gold is a secured lending business with traditionally minimal to no
Loan against Gold NPA. This line of business generates healthy APRs

Credit Cards (closed loop)


Proposed lines of businesses
for building the balance sheet 31

WHOLESALE
§ Senior Secured Lending to reputed names with proven track record with 2.5 to 3x
collateral cover and clearly identified cash flow streams for take outs
Corporate Lending § Collateral in the form of prime real estate in metro cities and/or liquid securities
§ Lending to cash flow generating operating companies with defined take out
§ Short to medium term exposure with duration of 12-18 months

§ Loans against pledge of listed shares to borrowers with proven track record
Loan against securities § 2.5-3x coverage over our loan amount
§ Liquidity in the collateral for easy market exit


Our Credit delivery mechanism
and Collection strategy 32

Channels Credit-ops HUB

Legal/Technical/ Property/Asset
Credit Bureau
Channels Credit Bureau Appraisal Agency Insurance

Future Money
Verification Booking Loan
Application Underwriting
Store/ Branch Process Operation Execution

Internet
Credit
Insurance

Branch/Service Centre Collections
Collections will start at 1~5 days
Phone PDC/ECS Management past due and continue until the
loan is collected
Customer
Web Collection Foreclosure
Service
Customer service will handle
Visiting CMS

complaints, inquiries and loan pay-offs
and loan-fulfillment

Customer Contact Point Ops Process Internal Information flow
Credit Processes Collections External information flow

Our IT system 33

CHANNELS PRODUCT REPORTING / RISK

Branch Salesperson Loans Wealth products- Mutual Insurance General ledger Analytics
fund / Equity, etc. recon
Risk
Mobile Sales force
CUSTOMER Data ware
house Portfolio mgmt.
Profiling Sales engine Sales Mgmt. CRM funct.
Customer • Product • Lead mgmt. • Lead mgmt.
basket • Incentives • Campaign ENTERPRISE
Statement
Generation • Decision • Targets mgmt.
HRMS
Channel integration • Limits • Inquiry mgmt.
/ authentication
Internet Treasury / Capital mkt.
PROCESS
SMS Workflow Document mgmt. Ops performance
Collections • Reports
Call Centre Inbound WMS processing • TAT
(IVR/CTI) Outbound (dialer) • Scheduling

Internal interfaces: External interfaces: SMS gateway, data feeds (Reuters), MF providers

Customer Management Process 34

Display Rejection
Message
CIBIL

DECISION CENTRE
Online
Customer Rules
Pre-
1 Qualifiers
CIBIL Pull based on
CIBIL
2 3 4

Decision

Display 5
Display Decision Decision
Message to FCFSL Systems
Customer Application
7 Data pushed
Email Customer to FCFSL
6

SMS Customer
8

Online and Offline strategies 35

TRAVERSE NETWORKS 1-to-many
CONVERSIONS 1-on-1 Conversations
Social applications / Facebook Connect Conversations

BRAND
PARTICIPATION
CAMPAIGNS & CONTESTS IN-STORE DIGITAL TOYS
ENGAGEMENT
Incentives | Loyalty | Rewards Activations Mobile Apps / Registry

DISPLAY ADVERTISING SOCIAL MARKETING SEARCH
DISCOVERY
Banner | Social | in-Video Blogs | Viral | Brand Page Organic | PAID

EXCLUSIVE CHANNEL CONTENT USER GENERATED CONTENT
CONTENT
DEALS | Catalogs | Coupons | Power Meter Wish List / Reviews | Registry

BRAND
THE IDEA
RELEVANCE

PERMISSION ONLINE REPUTATION SOCIAL INFRASTRUCTURE
INFRASTRUCTURE WEBSITE ANALYTICS

MARKETING MARKETING Share | Q&A | Subscribe

(read from bottom to top)

FUTURE Direct – To – Consumer 36

IN-STORE ON-LINE

(Mobile App) (Web Check-In)

POWER-TO-BUY PLATFORM

CONVENIENCE POWER TRUST

power-to-buy
Loan on Mobile Gift Registry Mobile (Catalog)
ALERTS

power-to-buy
Loan on Web Wish List Mobile (Coupons)
RECOMMENDATIONS

power-to-buy

Add to List (Mobile) Location Based Push
SPEND RESPONSIBLY

experiencecommerce.com

Our Online WM strategy 37

Focus on

PLATFORMS CAPABILITIES FLEXIBILITY
SCOPE PULL
Not just Not just Not just
Not just scale Not just push
products strategy efficiency

Online Strategy

§ To have widest product suite available on the web.

§ Platform offering seamless execution of transactions

§ Innovative features built-in to create a unique platform for Investors

§ Creation of Virtual KPO backed by robust Advisory & Research capability

Competitive strengths of FCH 38

§ Strong synergies with Future group and Pantaloons Retail India Ltd.

§ Large product and value adding services portfolio

§ Professional management

§ Strong customer relationships

§ Rich talent pool

§ Robust systems

§ Efficient fund raising capabilities

§ Focus on asset backed financing

§ Leveraging the eco - system of Parent company

Proposed business plans 39

FY 2009-10 FY 2010-11

19%
33%

67%
81%

FCH will grow the retail book to 70% of the total loan book over the next 3 years.

FY 2011-12 FY 2012-13

30%
45%

55%
70%

Retail Wholesale

Summary 40

§ In summary, FCH is focused on leveraging the capital by growing the loan book, to enhance the return to
equity. The business will be built in the secured lending space, which is a Rs. 3 Trillion lending opportunity
annually in India. FCH will also open up new lines of business like property broking, asset management
and wealth management to earn fee based income, to complete the customer proposition, to participate in
the growing Indian economy, and to enhance the shareholder’s return

§ FCH will extensively leverage on Pantaloon Retail Stores & footfalls to develop unique retail-cum-finance
business model

§ The “Finance store in Retail stores” will set the business model of FCH apart from other NBFCs, and give
it the competitive edge in the Industry

DISCLAIMER
This presentation and the contents therein are for information purposes only and does not and should not
construed to be any investment or legal advice. Any action taken or transaction pursued based on the basis of
the information contained herein is at your sole risk and responsibility and Future Capital Holdings and/or its
subsidiaries or its employees or directors, associates will not be liable in any manner for the consequences of
any such reliance placed on the contents of this presentation. We have exercised reasonable care in checking
the correctness and authenticity of the information contained herein, but do not represent that it is
true, accurate or complete. Future Capital Holdings or any of its subsidiaries or associates or employees shall
not be in any way responsible for any loss or damage that may arise to any person from any inadvertent error
or omission in the information contained in this presentation. The recipients of this presentation should make
their own verifications and investigations to check the authenticity of the said information if they so wish. Future
Capital Holdings and/or its subsidiaries and/or directors, employees or associates may be deemed to have
interests, financial or otherwise in the equity shares of Future Capital Holdings.

THANK YOU
Future Capital Holdings
52, Kalpataru Synergy
5th floor, Opp Grand Hyatt Hotel
Vakola , Santacruz (East)
Mumbai - 400 055.

Website
www.fch.in

E-mail
Investor Relations - Investor.relations@fch.in
Customer Service - customer.care@fch.in

Telephone
+91 22 6642 3400

FCH - An overview of Future Capital Holdings Ltd

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