Investor Presentaiton

Industry Overview & Market Trends Challenger Banks Challenger Banks are recently established retail financial institutions, whose activities are based on digital technology and who compete with the large, established banks. Global Neo and Challenger Banks Market Size Amounts in $ bn CAGR 46.5% • 28.3 Top 10 Challenger Banks in 2023 based on Market Cap Amounts in $ bn Group's client 278.8 41.5 2021 2022 2023 2024 2025 2026 2027 2028 33 T 25 25 21 17.3 17.1 12.3 12.1 6.2 4.5 nybank bank Revolut chime WeBank Robinhood Tinkoff ☐ Brex SoFi upgrade monzo Neo and Challenger Bank Market size was valued at $28.3bn in 2021 and is projected to reach $278.8bn by 2028, growing at CAGR of 46.7% from 2021 to 2028. • Neo and Challenger Banks, as a result of the advent of Fintech, have been increasing in recent years. • There are about 100 challenger banks worldwide, offering different types of financial services and digital ways of managing money. • The Group anticipates continuing growth in business with Challenger Banks 24 AUSTRIACARD Source: https://www.fnfresearch.com/neo-and-challenger-bank-market, Centre for Finance, Technology and Entrepreneurship HOLDINGS

View entire presentation