NetSol Technologies, Inc. (Nasdaq: NTWK) is a worldwide provider of IT and enterprise software solutions primarily serving the global leasing and financing industry. The Company’s suite of applications are backed by 40 years of domain expertise and supported by a committed team of more than 1000 professionals placed in eight strategically located support and delivery centers throughout the world.

1. NetSol Technologies
Investor Presentation
Najeeb Ghauri, CEO | Roger Almond, CFO March 2016

2. Safe Harbor Statement
This presentation may contain forward-looking statements relating to the development of NetSol Technologies’
products and services and future operation 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 EDITDA is not a measure of liquidity or of financial performance
under Generally Accepted Accounting Principles (GAAP). The EDITDA 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.
2

3. NetSol Technologies, Inc.
© 2011 All Rights Reserved
Global Experience in Providing Enterprise Solutions to the
Leasing/Lending & Asset Finance Industry
NetSol Technologies

4. NetSol Overview
Global
Delivery & Support
Centers
7 Global Team of
Experts1500+ Global Client
Base200+
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4
Recognized leader in asset finance and leasing software
• Top-tier global client base
• Numerous multi-country implementations with global companies
Highly competitive portfolio of software solutions
• Leading Asset Finance & Leasing Software serving critical business
functions
• 200+ successful Implementations across Asia Pacific, US & Europe
• $200+ billion assets managed via system globally
Emerging from product transition period
• Actualizing revenue from large value projects; Average deal size is growing
• Market endorsement by blue-chip multinationals on next-generation
product
• Global opportunities for growth
Offshore delivery model
• Talented team of offshore experts builds leverage in model

5. Banking Equipment Lease
Our NicheAutoFinance&Leasing
Bank&AssetFinance
EquipmentFinance
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5

6. Strong Client RelationshipsAutoFinance&Leasing
Bank&AssetFinance
EquipmentFinance
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6 Does not represent all customers. Provided for Illustrative purposes.

7. Continuing to Support and Upgrade Solutions
7
Product Portfolio
Primarily APAC Offering
North America
Product Offering
Europe
Product Offering
 In addition to NetSol’s other
products, NTE also offers:
 LeaseSoft Portal
 LeaseSoft Document
Manager
 LeaseSoft Auto-Decision
Engine
 LeaseSoft EDI Manager
 Evolve
 Deployed as On-premise and as
SaaS solution
 Scalable from a basic offering to
a collection of highly specialized
add on modules
 Partial technology set upgraded
to Dot Net
 A robust suite of five software
applications
 Each application is a complete
system in itself
 Can be used independently to
address specific sub-domains of
the leasing/financing cycle.
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8. Next-Gen. Solution:
Database
Credit
Origination
and
Decisioning
Contract
Lifecycle
Management
Floor plan
Financing
LOS
Loan Origination
System
CMS
Contract
Management System
WFS
Wholesale Finance
System
Portals
Dealer Auditor
System / Customer
Portal
Business Requirements
NFS Components
End - to – End Lease Lifecycle Management
System
NFS Mobility Solutions
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9. A highly agile, easy-to-
use, web-based
application – also
accessible through
mobile devices –
Ascent’s Loan Origination
System (LOS) delivers
an intuitive user
experience, with
features that enable
rapid data capture.
Loan Origination
System
LOS
Ascent’s Contract
Management System
(CMS) is a powerful,
highly agile, functionally
rich application for
managing and
maintaining detailed
credit contracts
throughout their lifecycle
– from pre-activation
and activation to
maturity.
Contract Management
System
CMS
The system provides a
powerful, seamless and
efficient system for
automating and
managing the entire life
cycle of wholesale
finance. With floor
planning, dealer and
inventory financing, it is
ideal for a culture of
collaboration.
Wholesale Finance
System
WFS
9
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NFS Ascent

10. Does not represent all deals. Provided for Illustrative purposes.10
Expanding Revenue Base
$100 million NFS AscentTM contract
underway
$8 million NFS AscentTM contract in
U.K.
$16 million NFS AscentTM in Asia
$3 million NFSTM deal in China
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Long-term contracts create stable base to build upon

11. $100 Million Ascent Contract
Represents the largest contract in NetSol’s
history
 Implementing in 12 countries: Upgrading from NFS to
NFS to NFS Ascent and bringing into one new country
country
 Services and customization work will likely grow; provides
provides for further potential upside in the contract
contract
 Maintenance recognized over 10-year period, increasing
increasing from year five through 10
Strong endorsement from long-standing client
 Provides top-tier reference on Ascent and ability of
platform to cater to complex regional requirements
requirements
 Leveraging strong interest by existing and new clientele
clientele on exploring next generation solution suite to
suite to enhance competitiveness
11
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*$100 million based on license, maintenance and anticipated services to be rendered to each country

12. 12
New BusinessRegional and country specific implementations
 Global presence and local expertise enable
immediate leverage on future opportunities
 Robust client track record enables retention and
new business streamsEmerging market needs/Homegrown system
updates
 Wealth of knowledge from catering to large
multinationals can be applied to future roadmap
needs and new upgrade paths
 Cost arbitrage gained from capitalizing on executed
delivery through a developing nation with cutting
edge resource poolContinued support for NFS, LeaseSoft and LeasePak
 Leasing and financing growth plays important
trend
 Continued support on different solution models
ensures flexibility in catering to different market
segments in varying maturity lifecycles
Legacy system conversions
 Established upgrade pathway for clients
 Low risk equating and lower costs for existing
clients when deciding on change
New
implementatio
ns
Competitive
bid
Sole provider
Upgrades
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Established experts in the finance &
Leasing space
Proven IT solution vendor – 19 years
experience
Trusted Partner – in depth
understanding of our clients business
needs
Trusted Partner – in depth
understanding of our clients
business needs

13. $39.8
$50.8
$36.4
$51.0
$62.0
2012 2013 2014 2015 2016
Total Revenue (in $millions)
Product transition year in
2014
 Invested in growth:
capacity and infrastructure
Returned to growth in 2015
 $16 million NFS Ascent
contract propelled recovery
$62 million expected in fiscal
16
 $100 million NFS Ascent
just beginning
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Est. for FY
2016
13
Return to Growth

14. $4.4
$5.4
$4.7
$6.2 $5.8
$6.9
$8.8
$10.6
$8.9
$12.2
Q1 '14 Q2 '14 Q3 '14 Q4 '14 Q1 '15 Q2 '15 Q3 '15 Q4 '15 Q1 '16 Q2 '16
Service Revenue Driving Growth
Total Service Revenue (in $millions)
Product transition year in FY
2014
 Invested in growth:
capacity and
infrastructure
Returned to growth in FY
2015
 $16 million NFS Ascent
contract propelled
recovery
Joint venture services
growing
 Contributed $5.4 million
in FY 2016
$62 million expected in FY
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15. Solid Maintenance Revenue
$7.5 $7.9
$9.5
$10.5
$12.6
2011 2012 2013 2014 2015
 Steady recurring revenue
established through long-term
clients
 Growing as client needs
increase and new projects are
implemented
 $6.4 million for first six
months of FY 2016
Total Maintenance Revenue (in
$millions)
15
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16. 16
Stable Cost Structure
 Ramped up hiring to serve multiple
complex implementations concurrently
 IT project and technical personnel include
870 employees dedicated to NFS™ and
NFS Ascent™ at FY 2015 year-end
 Focused on building leverage into model
 Minimal net new hires moving forward
Bulk of Hiring Complete – Focused on Building Leverage
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657
832
1042
1195
2012 2013 2014 2015
Investment in Technical Staff

17. Adjusted EBITDA
We are providing EBITDA because we believe it to be an important supplemental measure of our performance that is commonly used by securities analysts, investors, and other interested parties in the
evaluation of companies in our industry. It should not be considered as an alternative to net income, operating income or any other financial measures calculated and presented, nor as an alternative to
cash flow from operating activities as a measure of our liquidity. It may not be indicative of the Company’s historical operating results nor is it intended to be predictive of potential future results.
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Three Months Ended 9/30/2014 12/31/2014 3/31/2015 6/30/2015 9/30/20015 12/31/2015
Net Income (loss) before preferred
dividend, per GAAP $(1,838,029) $(1,367,166) $(1,636,245) $(707,378) $(411,028) $875,065
Income Taxes and Interest Expense, net 55,250 28,870 55,538 109,370 91,284 310,132
Depreciation and amortization 2,382,340 2,238,756 2,463,619 3,259,099 1,765,407 1,747,082
EBITDA 599,561 900,460 882,912 2,661,091 1,445,663 2,932,279
Add back:
Non-cash stock-based compensation 445,784 471,996 668,807 411,050 77,750 393,985
Adjusted EBITDA $1,045,345 $1,372,456 1,551,719 $3,072,141 $1,523,413 $3,326,264
Adjusted EBITDA margin 10.22% 11.11% 11.87% 19.96% 11.45% 20.54%
Weighted Average number of shares
outstanding diluted 9,213,324 9,654,334 9,937,750 10,233,625 10,392,669 10,548,922
Diluted adjusted EBITDA $0.11 $0.14 $0.16 $0.30 $0.15 $0.32

18. Financial Trends & Guidance
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FY2011 FY2012 FY2013 FY2014 FY2015 FY2016 1H
Revenue $36.5M $39.8M $49.8M $36.4M $51.0M $29.5M
Gross Margin 59.5% 54.1% 59.3% 23.8% 35.3% 45.6%
Cash and Cash eqv. $4.2 $7.6 $7.9 $11.5 $14.2 $14.0
Guidance 2016 Fiscal Year
Total Expected Revenue $62 million minimum

19. 19
Conclusion
Improving financial
outlook
Gaining references sites
Emerging from transition
period
More consistent revenue flow
over longer period with next-
generation product
Average deal size is
growing
End of large infrastructure
investment
Offshore delivery builds
leverage in model
Strong maintenance and
service revenue
Numerous multi-country
implementations with
global companies Easing of restrictions in China,
changing consumer purchasing
in APAC countries, improving
financing and leasing markets
and technology refresh cycle
Favorable industry
trends
Highly competitive solution in
NFS Ascent
Demand for portfolio
solutions
Global opportunities for
growth
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20. Contact Us
Corporate Headquarters
24025 Park Sorrento Suite 410,
Calabasas, CA 91302, United States
Phone
+1 818-222-9195
E-mail
investors@netsoltech.com
Website
www.netsoltech.com