Investor Presentaiton

Our strategy for growth: Two major pillars Geographic and market share expansion Products and services portfolio enhancement ☐ New markets: US, UK, Türkiye, MEA Cross-selling and up-selling to existing clients Focus on specific market segments such as Challenger Banks ■ ◉ ■ Payment and Banking solutions as a service Innovative smart cards: Biometric, metal cards Digital technologies offering expansion Public sector digitalization (RRF) Drivers Group sales and product teams' integration post cross-border merger is fueling organic growth Selective acquisitions are enhancing product offering and geographical footprint AUSTRIACARD HOLDINGS 9

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