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Investor Presentaiton

Industry Overview & Market Trends Cards market -3% 49% 46% AUSTRIACARD HOLDINGS POS Payment Methods Trends Worldwide 39% 29% 2021 2025F Amounts in bn Cards market worldwide (number of cards) CAGR 4% 18% 29.3 29.9 30.6 27.2 25.2 10% 4% 5% Cards Digital/Mobile wallet Europe +2% 61% 63% 26% Cash Other 17% 15% 8% 5% 5% Cards Cash Digital/Mobile wallet Other Source: "The global payments report", 2022 and Nilson report 2021 22 222 2021A 2022F 2023F 2024F 2025F • • • Mobile wallet usage is increasing across markets, with further growth expected as contactless POS terminal penetration increases Although the use of digital wallets as a means of payment is increasing in 2025 the use of cards is still the main means of payment, accounting for 46% worldwide and for 63% in Europe. Based on Nilson report, it is expected that the global credit cards market will grow at CAGR of 4% from 2021 to 2025.
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