nCino Investor Relations Material

nCino is an American Fintech company specializing in cloud-based banking solutions and offers a Bank Operating System built on the Salesforce platform. This system integrates various functions such as customer relationship management (CRM), loan origination, deposit account opening, workflow, enterprise content management, and instant reporting capabilities. Its client base includes a range of financial institutions, from community banks to large-scale global banks. nCino is headquartered in Wilmington, North Carolina, and its shares are traded on the Nasdaq.

nCino was established in 2012 as a majority-owned subsidiary of Live Oak Bancshares but is today traded as an independent public company. The company emerged from the need for a more efficient, cloud-based banking technology to handle the increasing complexity and regulatory demands in the financial sector as it continued to digitalize. nCino developed its Bank Operating System, which quickly gained traction for its ability to integrate various banking processes. Over the years nCino has expanded its client base, serving a range of financial institutions from small community banks to large, international banks.

nCino provides a comprehensive suite of cloud-based products built for the financial services industry. Its flagship product, the nCino Bank Operating System, integrates several key functionalities, including CRM, loan origination, account opening, workflow automation, compliance management, and analytics. This platform streamlines various banking operations, with the goal of enhancing efficiency while ensuring regulatory compliance. Additionally, nCino offers specific solutions for commercial banking, small business lending, and treasury management, among others. Its services focus on digital transformation, aiming to improve the customer experience while optimizing back-end operations.

nCino's services utilize Salesforce's platform as its foundation. This integration incorporates Salesforce's established CRM functionality, facilitating data management and client interactions within the banking sector. This technical approach aims to balance the security, scalability, and efficiency of Salesforce’s platform while allowing nCino to build products specifically tailored to its end customers.