NETSOL Technologies Inc.

On the call today are Najeeb Ghori, Founder, Chairman, and Chief Executive Officer, Roger Allman, Chief Financial Officer, and Patty McGlasson, General Counsel, who I would like to turn the call over to in order to provide the necessary cautions regarding the forward-looking statements made by management during this call. Please go ahead, Patty.

Good morning, everyone, and thank you for joining us. Following our review of the company's business highlights and financial results, we will open the call for questions. Before we begin, I will now provide the necessary cautions regarding the forward-looking statements made by management during this call. Please note that all the information discussed on today's call is covered under the safe harbor provisions of the Private Securities Litigation Reform Act. The company's discussion may include forward-looking statements reflecting management's current forecast of certain aspects of the company's future, and our actual results could differ materially from those stated or implied. These forward-looking statements are qualified by the cautionary statements contained in NETFL's press release and SEC filings, including our annual report on Form 10-K and quarterly reports on Form 10-Q. I would also like to point out that we will be discussing certain non-GAAP measures. The press release issued earlier today contains a reconciliation of these non-GAAP financial results to their most comparable GAAP measures. Finally, I would like to remind everyone that this call will be recorded and made available for replay at www.netsaltech.com and via a link available in today's press release. Now I'll turn the call over to Najeeb Ghori, our founder, chairman, and CEO. Najeeb.

Thank you, Perry, and good morning, everyone. Today I'm happy to be dialing in from my Encino office in California. We delivered solid performance in the third quarter of fiscal year 2025 with strong growth in our services revenue, and continued momentum in our subscription business. Our results reflect the growing demand for our digital solutions for the global finance and leasing industry under our unified Transcend platform alongside the strengths of our global delivery model. As we continue transitioning towards revenue generated from a recurring revenue model, we remain focused on driving innovation operational efficiency, and long-term value for our customers and shareholders. This quarter, we successfully completed a major deployment of our Transcend finance platform for a financial institution in Australia, an existing customer of NetSol, further deepening our partnership and expanding the use of our technology for their operations. Following this successful implementation, Kubota, a leading Japanese powerhouse that provides products and technologies in various fields, including tractors and other agricultural machinery, is now using our solution for their financial operations in both Australia and New Zealand. In addition, we signed two new multi-million dollar contracts with financial services providers in both country of Oman and Indonesia. We signed an agreement with Sinbad Management SBC in Oman for the implementation of Transcend Finance. The customer is a major musket which is the capital of Oman. Oman based company which provides big ticket asset financing and leasing covering various asset types such as marine vessels, aircrafts, machinery, and other equipment alongside vehicles in Oman and other countries. The successful implementation of this project will serve as a model for future collaborations in the Middle East, reinforcing our commitment to expanding our footprint and delivering world-class technology solutions to a region that is ripe for growth and innovation. The second multi-million dollar agreement signed during this quarter was with a Chinese leasing company known as Yulong, which is acquired by BYD, a Chinese giant, for the implementation of Transcend Finance in Indonesia. This marks the customer's expansion into the Indonesian market. The company offers a diverse range of leasing solutions across various industries with a strong focus on equipment leasing, asset financing, and commercial leasing. Our powerful technology platform combined with tailored regional customization makes us the ideal partner to support their success in the Indonesian market. These wins are a clear signal of the growing confidence our clients place in us to drive their digital transformation agendas. At a time when institutions are under pressure to modernize and differentiate, our ability to consistently deliver mission-critical solutions at scale sets us apart and cements our position as a preferred technology partner for financial institutions worldwide. The go-live for Kubota in Australia during this period plus these two major multi-million dollar signings reinforce our reputation as a trusted strategic technology partner to the global asset finance and leasing industry. These developments serve as a powerful endorsement of the products, innovation, and service excellence we deliver in an increasingly competitive marketplace. At the core of our transition to becoming an AI-first organization is our commitment to redefining how technology can drive smarter, faster, and more secure decision-making across the financial services ecosystem. In Q3, we announced the launch of Transense AI Labs, our dedicated innovation hub focused on developing cutting-edge AI solutions tailored primarily for the asset retail, finance, and leasing sectors. Transense AI Labs brings together our deep domain expertise with advanced machine learning and generative AI capabilities, enabling us to create next-generation solutions for our clients that unlock real business value whether through intelligent automation, hyper-personalized experiences, or predictive analytics that empower risk decisions and overall operations. As part of our ongoing AI initiatives, we appointed Dario Morelli as our new vice president of artificial intelligence in this quarter. Dario is a proven business leader and AI strategist with over 15 years of experience spanning data analytics and AI. His vision and leadership will be instrumental in scaling our AI capabilities and embedding intelligence across every layer of our product portfolio. With Dario at the helm and the launch of Transcend AI Labs, we are well positioned to lead our industry into the AI-powered future. Further, a quick update, our BMW USA retail platform rollout in 350 dealership in the US is on track. Looking at our business through a long-term lens, I'm pleased with the progress we have achieved this quarter, and I'm optimistic about the momentum carrying into the final quarter of fiscal 2025 and beyond. I'm confident there are strategic investments, especially in AI, and the ongoing evolution of our revenue mix will drive stronger profitability and deliver lasting value for our shareholders. I now like to turn the call over to our CFO, Roger Almond, who will go through the financial Q3 of fiscal year 2025. Over to you, Roger.