Investor Presentaiton

IV Glossary Financials Adj. EBITDA EBITDA Market Cap Net Debt Other EPS bn CAGR CEE CEO CFO DIN DMS EMV FY HQ ID Challenger Banks IoT M&A mn MtM PCI POS R&D SEE ATHEX VSE EBITDA adjusted for long-term management participation plan accounting, effects from restructuring measures and restructuring related write-downs (impairments), gains and losses from foreign exchange differences, gains and losses from fair value accounting Earnings before tax, depreciation and amortization Market Capitalization Total loans and borrowings including secured and unsecured bank loans, bonds, brand overdrafts and finance lease liabilities minus cash and cash equivalents Earnings Per Share: Earnings divided by the 36,353,868 shares currently outstanding, post the August 17, 2023, 2 to 1 share split billion Compound annual growth rate Central and Eastern Europe Chief Executive Officer Chief Financial Officer Recently established retail financial institutions, whose activities are based on digital technology and who compete with the large, established banks Deutsches Institut für Normung (German Instuture for Standardization) Dealer Management System Europay, Mastercard, Visa Full year Headquarters Identity document or identification Internet of Things Mergers and Acquisitions million Machine to Machine Payment Card Industry Point of sale Research and development Southeastern Europe Athens Stock Exchange Vienna Stock Exchange AUSTRIACARD HOLDINGS 32

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