#1MAMBU The world's leading cloud banking platform#2Cloud native banking platforms: from powering neobanks to transforming all Fls Before 2015 Traditional Fls relying on legacy technology High TCO of legacy technology Inflexible and slow tech & operations Low growth, low profitability, low ROI ⒸMambu 2015-20 New digital banks adopting cloud and SaaS tech & operating model Exceptional service Frictionless banking Anytime & anywhere Today 2020-25 Traditional Fls mass adoption of cloud and SaaS banking platforms Software market: cloud vs non-cloud Cloud market share Non-doud market share MAMBU 3#3Cloud banking platforms outperform traditional banking tech on all metrics Agility Predictability Productivity EO Speed Resilience Scalability TCO Total Cost of Ownership 95%+ of customers go live within 2 months of target date¹ 98%+ project success rate! 25% + boost in productivity in the first 6-18 months² Up to 95% faster delivery of functionalities² 99.99% uptime¹ Scale up and down in seconds³ 70+ % reduction in operating cost per user vs. traditional banks Mambu statistics used as a proxy for the industry A Accenturerenarch McKinsey Next-gen Technology Transformation in Financial Services McKinseyl SaaS is the future of banking tech MAMBU 4#4Composable banking is the new best-of-breed cloud banking methodology Scalability Monolithic Legacy vendors/ in-house solutions • Inflexible, slow to evolve, and difficult to scale Tailored to one need Locked into one vendor Modular Combine pieces into one, pre-set picture Hard or impossible to swap out pieces for better ones • Locked into one vendor • High failure rate Flexibility MAMBU Composable Combine independent components to make anything Re-use, swap in or swap out any component No vendor lock in 98% project success Composable banking is an approach to the design and delivery of banking services that prioritizes the rapid, flexible assembly of independent, best-for-purpose systems. MAMBU 5#5Management 2 In-house state-of-the-art cloud native tech stack Client technology and services Mambu platform and services Integrated partners Account Origination Supporting Systems Customer Experience & Digital Engagement Core Engines Transactional Payment Processing Credit Decisioning Output Management Accounting Sub-Ledger Regulatory Reporting Bespoke Pricing MAMBU In-house Lending Operational Reporting Customer Information Accounting System Deposits Access Rights & Roles Activity Audit Logs Data Analytics Bespoke Logic Notification Services Reference Data CRM Platform 回 Customers Our platform is based on 4 core product principles Cloud-Native & API-First Designed for the cloud-first world Native scalability and resilience API-first ecosystem enablement SaaS Servicing Model Managed app & infra services Minimal professional services Continuous enhancements Config. vs. Customization Single-code base for all clients Zero-code configuration Instant API accessibility Singular Product Focus Superior core & supporting capability Best-for-purpose ecosystem Enabling clients to be nimble MAMBU 13#6Customers Our composable approach enables banking like a modern tech company Principles of composable banking Traditional banking Ecosystems C Best for purpose solutions Open, real-time APIs Continuous delivery Infinite scalability Configure vs. customize Flexible contracts Empower self-service Product orchestration Integration bus X X X X X X X X Management Platform MAMBU Key advantages Revenue growth while optimising costs Business agility & flexibility Rapid reaction to market threats & opportunities Rapid adaption to regulatory & technological changes Composable architecture Multi-vendor cloud ecosystem of best-of-breed provides rapid access to new markets, new products and new technologies MAMBU 14#7Business Partners Technology Partners Management Platform Integrated with leading ecosystem of partners Tech Consulting Customer Channels accenture Atos NTT DATA Big 4 pwc KPMG Deloitte. EY Comply Advantage onfido kompany ondato SALTEDGE IDnow FEATURE SPACE In Country AML & Compliance & KYC Andersen CLOUDS mobiquity MAMBU Pick and choose best for purpose Clear Bank GOCARDLESS 7 TransferWise Currencycloud >>>> MARQETA Payments Processing ORACLE NETSUITE Microsoft ABC TECH ELCA LINE 1st SOFTWARE flexibility HCL Accounting Others metasite Customers etronika Specific-Group Software Solutions >BACKBASE ebankIT outsystems Digital Engagement Others And many more... CENTR Link experiance Stitch incino collectAl talend MAMBU 15#8A truly global operational set up Today 11 Offices New York Wework NA Sales 52 Countries Localisation accomplished 460+ Miami London LATAM support 27 Mambvians 21 Mambuvians Commercial leadership Mambuvians ISO27001 Certification Achieved in major offices? Note: Headcount as of October 2020, Office headcount excluding permanently remote working employees Count based on live customers home countries for example, we only count NO6's home country (Germany, although we power N26 platform in 23 countries Amsterdam, Benin, las Singapore, Mami Vinius Berlin 52 Mambuvians Dual HQ Dresden 3 Mambutan Information Security Management Dubai Amsterdam 86 Mambulans Dual HQ laşi APAC Sales Product development Nov-20 opening 155 Mambuvians Sydney Platform Vilnius 9 Mambuvians APAC sales and client delivery Customers 46 Mambuvians Singapore Product development 32 Mambuvians APAC sales and client delivery MAMBU 16#9Management 3 Our customers and partners love us MAMBU 66 N26 "Mambu's ease of integration, flexibility and time to market has helped us to give our customers an unrivalled, technology-driven mobile banking experience" Gino Cordt |CTO OakNorth "Mambu is enabling us to rapidly bring new products to market and focus our innovation around giving our customers great service" Rishi Kohsla |CEO & Co-Founder ABN AMRO new 10 "Bringing a fully digital approach to life meant an entrepreneurial approach and a fully cloud-native environment. As lean and agile as the business itself." Jaap Boersma | CTO & Co-Founder Santander ästo "We chose Mambu because we needed a reliable system that is in-line with our ideas of how to build software, and a partner who can and will move fast with us in the same direction." Thomas Boltze | CTO, Asto Platform Customers TransferWise "Mambu is a game changer in a market that seeks modern solutions to the problems faced by traditional banks Kristo Käärmann | CEO & Co-Founder >>>> MARQETA "Mambu is providing a world class platform addressing key challenges around how to continually deliver and accelerate innovation..." lan Johnson | Head of European Growth MAMBU 17#10Further penetration in each of our existing markets Today 169 Customers Today 52 Countries¹ Today 6 2022 50 Country GMs Existing client location Planned deployment of local GMs Note: KPIs as of September 2020 Count based on live customers home countries, for example, we only count N6's home country (Germanyl athough we power N26 plaform in 23 countries What we plan to do: Our cloud banking platform is proven in 50+ countries... ....we will now strengthen the local features of our platform... .....while focusing on commercialisation through deploying 50+ local/regional GMS globally... ....in addition to building out local sales teams MAMBU 22