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Investor Presentaiton

Industry Overview & Market Trends Digital Transformation Market Global Amounts in $ bn CAGR 21.1% 1,548.9 Drivers Greece ✓ Rising adoption of big data ✓ Demand for tools combining several heterogenous data ✓ Cost benefits of cloud- based digital 450 digital transformation projects for the period 2020-2025 supported by €6.4 billion of EU Recovery Fund Money Greece's Digital Transformation Plan - Strategic axes 594.5 transformation solutions 1 ✓ Rapid proliferation of mobile devices and apps Digital transformation of the public sector, with a total estimated budget of €513mn 2 Strengthening digital connectivity with high-speed broadband access, where €303mn will be allocated 2022 2023 2024 2025 2026 2027 ✓ Adoption and scaling of digital initiatives 3 The development of digital skills with funding exceeding €113mn, with the aim that all citizens can participate equally in the new digital era Challenges Issues related to IT modernization Integration of data from data silos ! Ownership and privacy of collected data Source: Marketsandmarkets website, Greece's Digital Transformation Strategy 25 25 AUSTRIACARD HOLDINGS for 2020-2025 Opportunities I ✓ Rising internet proliferation and growing usage of connected and integrated technologies I I √ Demand for personalized digital transformation Increasing willingness of organizations to use digital technology I T I I
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