Netsol Technologies' September 2021 investor presentation outlines their position as a leading provider of software solutions in the global leasing and finance industry, highlighting their strong market presence, client base, and innovative products such as the NFS Ascent platform. The document discusses the company's financial performance, growth strategy, and the success of their offshore delivery model, which enhances operational efficiency. It emphasizes the importance of recurring revenue from cloud deployments and investment in research and development for future technology innovations including AI and blockchain.

1. NETSOL TECHNOLOGIES
INVESTOR PRESENTATION
NAJEEB GHAURI, CO-FOUNDER, CHAIRMAN AND CEO
ROGER ALMOND, CFO
SEPTEMBER 2021

2. SAFE HARBOR STATEMENT
This presentation may contain forward-looking statements relating to the development of NETSOL Technologies’ products and services and future
operating results, including statements regarding the Company that are subject to certain risks and uncertainties that could cause actual results to
differ materially from those projected. The words "believe," "expect," "anticipate," "intend," variations of such words, and similar expressions, identify
forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995, but their absence does not mean that the
statement is not forward-looking. These statements are not guarantees of future performance and are subject to certain risks, uncertainties, and
assumptions that are difficult to predict. Factors that could affect the Company's actual results include the progress and costs of the development of
products and services and the timing of the market acceptance. Any forward-looking statements contained herein speak only as of the date hereof.
The Company undertakes no obligation to update or review any forward-looking statements.
This presentation may reference non-GAAP measures such as EBITDA. EBITDA is defined as earnings before interest, taxes, depreciation and
amortization. The Company uses EBITDA as a measure of the Company’s operating trends. Investors are cautioned that EBITDA is not a measure of
liquidity or of financial performance under Generally Accepted Accounting Principles (GAAP). The EBITDA numbers presented may not be comparable
to similarly titled measures reported by other companies. EBITDA, while providing useful information, should not be considered in isolation or as an
alternative to net income or cash flows as determined under GAAP. Investors are advised to carefully review and consider this information as well as
the GAAP financial results that are disclosed in the Company’s SEC filings.

3. ABOUT NETSOL
Leading provider of enterprise software solutions
serving the global leasing and finance industry

4. OVERVIEW
Calabasas
London
Lahore
Bangkok
Jakarta
Beijing
Shanghai
Sydney
First level of support from strategically located
delivery centers in 7 countries
08 Global Delivery &
Support Centers 1350+ Global Team
of Experts 200+ Global Client
Base
Recognized leader in asset finance and leasing software
▪ Numerous multi-country implementations
Highly competitive portfolio of software solutions
▪ Leading enterprise software platform serving critical
business functions
Past R&D converting to new license and services revenue
▪ Securing large value projects with average deal size
increasing
▪ Market endorsement by blue-chip multinationals on
next-generation product, NFS Ascent™
Offshore delivery model
▪ Talented team of offshore experts builds leverage in
model
Direct
Consumers
15M

5. OUR MARKETS
Strong Relationships with 200+ Clients Across
Market Verticals
Auto Finance
and Leasing
Bank & Asset
Finance
Equipment
Finance

6. OUR EXPERIENCE
40+
Years in
the
Americas
25+
Years in
Europe
20+
Years in
the APAC
$200B+
Assets managed
globally
300+
Successful
implementations
200+
Global
clients
25K+
Users
globally
7K+
Connected
interfaces
100%
Project success
rate
Solutions for
Auto/Captive
Finance
Equipment
Finance
Big Ticket
Finance
Banks Owned
Lending
Wholesale
Finance
Technology
Finance
Asset
Finance

7. OUR NEXT-GEN ENTERPRISE SOFTWARE SOLUTION
• Built on cutting edge, modern
technology
• Comprehensive domain coverage
• Powerful configuration engines
• Enables auto, equipment and big-ticket
finance companies to run their retail
and wholesale finance business with
ease
• Augments and enhances finance and
leasing operations
• Enables organizations to reap the
benefits of going digital
• Superior digital solutions across various
touch-points
• Able to integrate with any back-end
system.
The most advanced
platform for asset
finance and leasing
Delivering digital
without compromise
mAC mPOS mD mAU mFI

8. NFS ASCENT: END-TO-END SOLUTION
Wholesale Finance
System
WFS
Powerful system for automating
and managing the entire
lifecycle of wholesale finance
▪ Powerful floor planning tools
▪ Dealer & inventory financing
▪ Support for asset & non-asset based
financing
Loan Origination
System
LOS
Web and mobile-based application
that enables rapid data capture at
the point of sale
▪ Intuitive user experience
▪ Flexible workflow management
▪ User-defined financial products
▪ Customizable scoring models
▪ Automated decision-making
Contract Management
System
CMS
Manages and maintains detailed
credit contracts throughout their
lifecycle
▪ Flexible service-based architecture
▪ Business process designer
▪ Comprehensive contract management
▪ Global standards compliance

9. FLAGSHIP - ASCENT
Mobile Web VR AR
IoT AI 3D
7+ years of experience in digital
excellence to the global asset finance &
leasing industry
46successful implementations

10. CLOUD READINESS
With increasing global traction for cloud-
based solutions, NETSOL has heavily
invested in R&D to make products that are
cloud ready for its clients in the Americas,
Europe, China and other regions
Strategic Partners for
Cloud Deployment
Lite version of enterprise solution in
process of being launched in China
as the pilot market
Core Products
Digital Integration
Fully integrated with NFS Ascent,
LeasePak Cloud and LeazeOne

11. ASCENT SaaS STRATEGY
Traditional Approach Subscription - Delivery Model
Gaps RS Sign Off FS Sign Off Impact Analysis
Configuration Customization Deployment Training
UAT Go Live
OOB System
Delivery
Product training Configuration UAT
Go Live
▪ Long delivery cycles
▪ Higher delivery costs for clients
▪ Higher support fee for clients
▪ Additional efforts required
▪ Multiple Versions
▪ Higher maintenance costs for organization
▪ Large pool of resources required for
implementation and support
▪ Shorter and Agile delivery model
▪ Lower delivery costs for clients
▪ Lower support cost for clients
▪ Minimum efforts required
▪ Standard regional solution
▪ Lower maintenance costs for organization
▪ Few resources for implementation and support
Volume Based
Selling
Recurring
Revenues
Cloud
Native
Managed
Services
Required
Technology
Subscription / SaaS
Based Pricing
(Recurring revenue)
Product
Approach
▪ Public
▪ Private

12. Affordable Pricing following “pay-as-you-
grow/use” approach
TARGETING & STRATEGY
Market Penetration after SaaS –
Capturing the Missing Blocks
Large Enterprises
Penetration into new market segments
with subscription-based pricing via SaaS
Offering
• Low cost
• Out-of-the-box
• Quick implementation and
onboarding time
• Offer managed services
Medium Size Clients
Small Size Clients
Startups
Perpetual license
model
Subscription
Model (missing blocks)
Covering
all
Aspects
Deployment
Strategy
Hosting
Models
Support
Service Options
Affordability
Standard Support + Managed Service
Standard Support + Level 2 Support
Standard Support
Minimal CAPEX
Standalone
per Market
Multi-tenant
Installation
Cloud
Hosting
On-
Premise
Private
Cloud
Public
Cloud
Multi Country,
Multi Company etc.
One Tenant
per Market

13. EXPANDING REVENUE BASE
$110 million+ NFS Ascent™ contract underway
Long-Term Contracts Create Stable Base to Build Upon
$30 million+ NFS Ascent™ contract in China
$16 million+ NFS Ascent™ contracts in Asia
$4 million+ New NFS™ contracts in China
$10 million+ New NFS™ contracts in Indonesia/Thailand/UK
Does not represent all deals. Provided for Illustrative purposes.

14. *$110 million based on license, subscription, post-contract support and anticipated services to be rendered to each country in aggregate
$110 MILLION ASCENT CONTRACT
Largest contract in NETSOL‘s history
▪ Implementing in 12 countries: Upgrading existing NFS to NFS Ascent
and expanding into one new country
▪ Maintenance recognized over 10-year period, increasing with each
successful implementation
▪ Services and customization work will likely grow; provides for further
potential upside in the contract
▪ In Oct. 2017, secured amended contract for ~$9.1 million in
additional future rev. on top of original contract value
Strong endorsement from long-standing client
▪ Provides top-tier reference for NFS Ascent platform’s ability to cater to
complex regional requirements
▪ Leveraging endorsement to create strong interest from existing and new
clients seeking enhanced competitiveness by migrating to next
generation platform

15. MULTIPLE VECTORS FOR GROWTH AND EXPANSION
✓ Global presence and local
expertise to capture future
sales opportunities
✓ Robust client track record
to drive new business
✓ U.S. market is a
significant new growth
opportunity
Land & Expand with New and
Existing Customers
✓ Wealth of knowledge
applied to future roadmap
needs and new upgrade
paths in emerging markets
✓ Cost arbitrage gained from
capitalizing on delivery
through a developing
nation with cutting-edge
resource pool
Emerging Market &
Homegrown System Updates
✓ Continued support on
different solution models
ensures flexibility in
serving different market
segments in varying
maturity lifecycles
✓ Leasing and financing
growth trend plays
important role
Continued Support of NFS,
LeaseSoft and LeasePak
✓ Established upgrade
pathway for existing
clients to NFS Ascent
✓ Current implementations
provide strong reference
point for new clients
✓ Large multi-country,
multi-million-dollar
opportunities
Next Generation
NFS Ascent™ Solution
Strong Pipeline Across Geographies

16. ▪ NETSOL’s subsidiary Otoz is a business-to-business new mobility technology startup
▪ Otoz provides white-label technology solutions for new mobility
▪ Its technology creates a seamless, end-to-end digital experience that lets consumers around the
world instantly book the transportation they need
▪ Otoz develops technology that helps companies become leaders in car-sharing and car-subscription
Blockchain
Artificial
Intelligence
Internet of Things
Secure Asset Registry
Smart Contract
Digital Twin
Open Ecosystem
Customer Personalisation
Asset Optimisation
Fleet Analytics
Dynamic Pricing
Data Monetisation
Fleet Operations
Driver Behaviour
Geofencing
OTOZ INNOVATION LAB

17. NETSOL is currently working with existing customers on three separate Proof-of-Concepts (POCs) through its Innovation Lab
Technologies currently being evaluated include: Blockchain, Artificial Intelligence (AI) and Machine Learning (ML)
Asset Registry
Blockchain
Recommendation Engine
AI & ML
Credit and Collections
AI & ML
Customer
Retention
Customer
Services
Cost
Cutting
New Business
Models
Paper
Removal
Increased
Value
Digitization New Business
Models
Improved
Credit
Decisions
Potential
Clients for
Collections
Better Risk
Profiling
Increase Top
& Bottom Line
Future product offerings intended to augment NFS Ascent’s existing capabilities with specific use
cases provided by current customer base
OTOZ INNOVATION LAB

18. ANNUAL REVENUE GROWTH
$20.0
$31.7
$40.4
$31.9 $39.3 $35.5 $32.9 $26.0
2014 2015 2016 2017 2018 2019 2020 TTM
Service
$5.4 $6.3 $10.0
$18.5
$6.1
$16.0
$3.3 $5.2
2014 2015 2016 2017 2018 2019 2020 TTM
License
$10.9 $13.0 $14.2 $15.0 $15.6 $16.3 $20.2 $22.0
2014 2015 2016 2017 2018 2019 2020 TTM
Subscription and Support
1. TTM refers to the trailing twelve-month period beginning April 1, 2020 and ending March 31, 2021.
1
1
1

19. QUARTERLY PERFORMANCE
$7.7 $7.5
$4.8 $6.0
$5.4 $5.2
$5.7
$5.7
$0.5 $0.0
$2.6
$2.1
$13.6M
$12.7M $13.1M $13.8M
Q4-20 Q1-21 Q2-21 Q3-21
Service Subscription and Support License
Revenue
$2.2M $2.2M
$1.0M
$0.1M
Q4-20 Q1-21 Q2-21 Q3-21
EBITDA
▪ Consistent quarterly financial
performance
▪ Subscription and support
agreements provide strong,
recurring-revenue base to build
▪ Maintained total revenues during
and post COVID-19 pandemic,
WFH environment
▪ Positive EBITDA provides a good
proxy for cash earnings
▪ Stabilized cost structure can
support a significantly greater
amount of revenue without
incremental investment

20. SUMMARY FINANCIALS
$ in millions
(except per share
items)
2016 2017 2018 2019 2020 TTM
Revenue $64.6 $65.4 $60.9 $67.8 $56.4 $53.2
Gross Margin 47.7% 43.5% 47.9% 50.8% 47.8% 48.7%
Operating
Income
$6.3 $(1.0) $3.1 $6.8 $1.1 $2.8
Net Income
(Attr. to
NETSOL)
$3.4 $(5.0) $4.3 $8.6 $0.9 $1.0
EBITDA $13.5 $5.6 $8.6 $11.3 $4.8 $5.5
EPS $0.32 $(0.46) $0.38 $0.74 $0.08 $0.09
1
1. TTM refers to the trailing twelve-month period beginning April 1, 2020 and ending March 31, 2021.

21. KEY HIGHLIGHTS
 Capital structure that is attractive to
investment today with major insider ownership
 Offshore delivery builds leverage in model
 Numerous, successful multi-country
implementations
 Otoz Innovation Lab provides optionality,
future proofing customer businesses against
new mobility alternatives
 Improving financial outlook
 Increasing recurring revenues from cloud-
based deployments improves revenue
predictability
 Larger, perpetual license contracts preferred
by blue-chip customers provide high upside
opportunity
“ Innovation is in our blueprint
”

22. GET IN TOUCH
Address
NETSOL Technologies, Inc.
Corporate Headquarters
23975 Park Sorrento
Suite 250
Calabasas, CA 91302, USA
Investor Relations
Gateway Investor Relations
Matt Glover and Tom Colton
949-574-3860
investors@netsoltech.com
Email
info@netsoltech.com
Website
www.netsoltech.com

23. APPENDIX

24. BOARD OF DIRECTORS
Non-Independent Directors
Title Background
Najeeb Ghauri
Co-Founder, Chairman
& Chief Executive
Officer
• Originally restructured NETSOL into an IT company model
• Instrumental in completion of NETSOL’s IPO in 1998
• Decades of marketing and management experience with
Fortune 500 companies, such as Unilever and Atlantic
Richfield Corporation (ARCO)
• MBA, Peter F. Drucker Graduate School of Management,
Claremont
Malea Farsai
Corporate Counsel
• Former associate at the law firm of Horwitz and Beam
• Worked on formation of business startups and IPOs
• On the team that took NETSOL public (listed NETSOL on
NASDAQ in 1999)
• Responsible for the company’s insurance needs as well as
corporate governance, SEC reporting, NASDAQ
compliance
Independent Directors
Title Background
Henry Tolentino
Independent Director
• 30+ years of experience in the auto finance industry
• Has held several executive positions at Toyota Leasing
(Thailand) including President from 2006 to 2014
• Began his career in the auto finance industry with
General Motors Acceptance Corporation
• Formerly on NETSOL Advisory Board
Syed Kausar
Kazmi
Head of Commercial
Banking, Habib Bank
Zurick PLC, UK
• 40+ years of expertise in the banking industry
• Served as Head of Business Development for UK and
Europe at Habib Bank AG Zurich from 2012-2016
• Awarded a “Lifetime Achievement Award” by Power 100
for impact on banking sector
• BSc in Chemical Engineering, II Class Honors, Habib
Institute of Technology
Mark Caton
President of Cantela
Systems, Inc.
• Chair of Compensation Committee
• Previously president of NETSOL Technologies USA, where
he was responsible for all U.S. Sales
• Served as a senior account executive at ePlus, a leading
integrator of technology solutions
• BS in Psychology, UCLA