H1 2019 results 1 Disclaimer This presentation has been prepared by - PowerPoint PPT Presentation

H1 2019 results 1

Disclaimer This presentation has been prepared by Finablr PLC (the "Company" and, together with its subsidiaries, the “Group”) . This presentation may not be copied, distributed or reproduced, directly or indirectly, in whole or in part, or published in whole or in part, for any purpose or under any circumstances, by any person other than the Company. No representation or warranty, express or implied, is made or given in relation to the information set out in this presentation. This presentation does not constitute or form part of, and should not be construed as, any offer, invitation or recommendation to purchase, sell or subscribe for any securities in any jurisdiction and neither the issue of the information nor anything contained herein shall form the basis of or be relied upon in connection with, or act as an inducement to enter into, any investment activity. 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Overview - Promoth Manghat, Group Chief Executive Officer 3

H1 2019 Highlights (US$ Millions, unless stated) H1 2019 H1 2018 Growth Adj. Group Income 1 742.2 680.5 9.1% Adj. Group EBITDA 2 103.3 81.4 26.9% Adj. EBITDA Margin (%) 3 13.9 12.0 1.9 Processed volumes 64,861 56,707 14.4% Note: 1. Adjusted Group Income is calculated as total income, as adjusted for disposed /discontinued operations & non-core operations and impairments, entities not included in the financials but being brought into the group as part of reorganization, 100% of Income from JVs and associates, presented on a Constant Exchange Rate (CER) basis. The constant-currency financial information has been calculated by applying the 2019 period average exchange rate to the Group’s actual performance in the prior period. 2. Adjusted Group EBITDA is calculated as Profit before interest, taxes, depreciation and amortization adjusted as adjusted for disposed /discontinued operations & non-core operations and impairments, entities not included in the financials but being brought into the group as part of reorganization, 100% of Income from JVs and associates and exceptional & one off Costs presented on a CER basis. 3. Adjusted EBITDA margin calculated as Adjusted Group EBITDA / Adjusted Group Income. 4

Disciplined execution of strategy Expanding relationships with global partners ✓ • Partnership with LG to provide in-app digital gifting services via LG Pay using Swych technology • Heathrow concession renewed for a further five years Technology transformation on course ✓ • On track and on budget execution of technology initiatives Acquisitions completed, enhancing capability building ✓ • Bayan Pay shareholding increased to 70%; opens potential in Saudi Arabia • Acquisition of PEaaS (US and India) enhances IP based product engineering capabilities Distribution network strengthened ✓ • Roll-out of kiosks in Middle Eastern markets • New partnerships with banks, MTOs and mobile wallet operators 5

Growing opportunity from increasing mobility and invisible payments • Barriers to entry: Decades of capability Omni-Channel Distribution building create barriers that are hard to Network displace • Market Agility: Technology platform allows modular provisioning and accelerated deployment Global Regulatory Technology Licensing • Fully invested platform: Economies and Efficiencies of scale enable low marginal costs matched by few in the industry 6

Financial Review – Rahul Pai, Group Chief Financial Officer 7