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Investor Presentaiton

AUSTRIACARD at a glance AUSTRIACARD HOLDINGS Business Overview Austrian Group with international presence, leading provider of Payment Solutions, Secure Data Management, Digital Technologies, with a track record of 125 years Payment products and services include innovative end-to-end secure data solutions and personalization services based on high security standards €314.7mn FY 2022 €181.2mn H1 2023 Key Group figures €178.0mn FY 2021 €137.1mn Revenue H1 2022 €39.3mn FY 2022 €26.0mn H1 2023 €21.8mn FY 2021 €19.8mn H1 2022 Adj. EBITDA ✓ ✓ Secure Data Management products and services include bill statements management, document digitalization and workflows, transit and identity cards, as well as digitalization transformation solutions Market leader for payment products in Nordics, Austria, CEE & SEE and with Fintech/Challenger Banks, the fastest growing market segment Strong market presence in Western Europe (UK, Spain, Germany), Türkiye Future potential in the USA, UK, Türkiye, Middle East and Africa Solid industrial base paired with strong data security and software development capabilities Stable and low-risk customer portfolio / High share of recurring revenue Certified producer of Visa, Mastercard and Diners Club International Strong R&D & Digital Technology capabilities €5.0 mn FY 2022 €12.3 mn H1 2023 Net Profit 1,589 FY 2022 2,573 H1 2023 Employees €76.6mn FY 2022 €87.1mn H1 2023 Net Debt FY2023 Guidance: 12%-15% Revenue growth, 25%-30% Adj. EBITDA growth, net profit margin of 4%-5% 3
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