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1Copyright © 2026 Temenos
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2Copyright © 2026 Temenos Copyright © 2026 Temenos Takis Spiliopoulos, CEO Daniel Schmucki, CFO Business and Financial Update 27 October 2026 Quarter ended, 30 September 2026
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3Copyright © 2026 Temenos 3 Disclaimer Our presentation and this document may contain forward-looking statements relating to the future of the business and financial performance of Temenos AG. Any statements we make about our expectations, plans and prospects for the Company, including any guidance on the Company’s financial performance, constitute forward-looking statements. The forward-looking financial information provided by the Company on the conference call and in this document represent the Company’s current view and estimates as of October 27th, 2026. We anticipate that subsequent events and developments may cause the Company’s guidance and estimates to change. Future events are inherently difficult to predict. Accordingly, actual results may differ materially from those indicated by these forward-looking statements as a result of a variety of factors. More information about factors that potentially could affect the Company’s financial results is included in its annual report available on the Company’s website. While the Company may elect to update forward-looking information at some point in the future, the Company specifically disclaims any obligation to do so. © Temenos AG 2026
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4Copyright © 2026 Temenos 4 Non-IFRS information In its presentation and in this document, the Company may present and discuss non-IFRS measures. Readers are cautioned that non-IFRS measures are subject to inherent limitations. Non-IFRS measures are not based on any comprehensive set of accounting rules or principles and should not be considered as a substitute for IFRS measurements. Also, the Company’s supplemental non-IFRS measures may not be comparable to similarly titled non-IFRS measures used by other reporting companies. In the Appendix accompanying this presentation, the Company sets forth supplemental non-IFRS figures for revenue, operating costs, EBIT, EBITDA, net earnings and earnings per share that exclude the effect of share-based payments, the carrying value of acquired companies’ deferred revenue, the amortization of acquired intangibles, discontinued activities, acquisition/investment related charges, restructuring costs, and the income tax effect of the non-IFRS adjustments. These tables also present the most comparable IFRS financial measures and reconciliations. In addition, the Company provides percentage increases or decreases in its revenue (on both an IFRS and non-IFRS basis) eliminating the effect of changes in currency values when it believes that this presentation is helpful to an understanding of trends in its business. Accordingly, when trend information is expressed "in constant currencies“ or “c.c.”,the results of the "prior" period have first been recalculated using the average exchange rates of the comparable period in the current year and then compared with the results of the comparable period in the current year.
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5Copyright © 2026 Temenos 5 Agenda Business update Financial update Appendix 5
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6Copyright © 2026 Temenos Stable sales environment throughout the quarter, with all slipped revenue from Q2 closed in Q3 Q3-26 subscription and SaaS revenue growth impactedby one large deal in Africa signing in the first days of Q4-26 Strong underlying momentum with a good number of new logos and SaaS ACV signings across regions Europe performing particularly well, signing a number of deals including a large deal with a global tier 1 bank for its international operations Middle East also performed well, signing multiple deals with new logo and existing customers across the Gulf region Strong SaaS momentum in North America with four new logo deals, including a deal with a regional US bank and a large deal in Canada Good progress on integration of additiv, with new tier 1 bank deal signed in APAC Strong growth in profitability from AI-driven efficiency savings, good cost control and operating leverage, and strong double-digit free cash flow growth Robust start to the fourth quarter and good visibility driven by a strong pipeline FY-26 guidance raised with non-IFRS EBIT growth of c.12% (c.c., up from c.9%) and EPS growth of c.10% (reported, up from c.7%); guidance reconfirmed for ARR growth of c.12% (c.c.), non-IFRS subscription & SaaS revenue growth of c.9% (c.c.), and FCF growth of c.16% (reported) FY-28 targets reconfirmed Q3-26 overview
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7Copyright © 2026 Temenos Momentum with banks across geographies and tiers Selected deal wins in Q3-26 US-headquartered global Tier 1 bank Extension of core banking relationship, ensuring business continuity during platform transformation European Tier 2 corporate bank MEA Tier 1 bank Expansion of existing relationship with adoption of payments modules to enhance transaction processing capabilities Extension and expansion of existing core banking relationship with addition of new modules Large Credit Union in NAM Selection of core banking and payments on SaaS for enterprise-wide modernization across retail and commercial operations Modernization of digital wealth platform to enhance customer investment journeys and portfolio management capabilities APAC Tier 1 bank Digital wallet (Tier 2 bank) in LATAM Adoption of lending solution on SaaS to expand and modernize lending capabilities
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8Copyright © 2026 Temenos Key deals signed with large financial institutions across regions US-headquartered global tier 1 bank Vancity selects Temenos SaaS to modernize its core banking • US-headquartered global tier 1 bank expanding relationship for international private banking operations • Roll out of Temenos core banking across the private bank in multiple geographies • Additional capabilities and volume added to further expand platform scope • Building on strong progress and momentum over past few years • Vancity, Canada’s largest credit union, selected Temenos SaaS to modernize its core banking platform • Focus on efficiency, faster innovation and growth through a simpler, scalable technology foundation • Broad scope, spanning retail deposits and lending, corporate banking and payments • Deploying Temenos Core, Payments Hub and Data Hub on Microsoft Azure
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9Copyright © 2026 Temenos Bank Syariah Indonesia (BSI): Modernizing the core to power the next generation of Islamic banking • Largest Islamic bank in Indonesia with 23M+ customers with the goal of becoming a Top 5 Global Islamic Bank • Growing digital adoption and transaction volumes required greater scalability and resilience • Legacy platform had become highly customized after 14 years, increasing complexity & limiting agility • Needed to modernize core banking while maintaining business continuity across a large ecosystem • 25 billion records migrated and validated • 50%+ faster Close of Business processing • 340% increase in throughput, reaching 8,800 Transactions Per Second • 50-75% faster reporting • Modernized infrastructure to support future growth, innovation and AI initiatives • Trusted banking platform for more than a decade • Supports end-to-end banking with flexibility for Sharia-compliant services • Provides a scalable foundation for future growth and AI-driven innovation • Delivered in partnership with Systems Limited, Red Hat and Oracle Background Why Temenos Outcomes What we value most about Temenos Core is its ability to support end-to-end banking operations on a single platform while providing the flexibility to accommodate Sharia banking requirements.“ - Rendy Ferdiansyah, Group Head IT Application Support, Bank Syariah Indonesia (BSI)
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10Copyright © 2026 Temenos Kingdom Bank: Modern banking to support a meaningful mission • UK bank serving churches, Christian charities and communities for nearly 70 years • Strong growth ambitions required a more modern and scalable technology foundation • Needed to modernize while maintaining its relationship-driven service and mission • Building a more resilient and scalable foundation for sustainable growth • Reducing manual processes and enabling teams to focus more on customers • Enabling near real-time payment clearing through API integration • Better positioned to adapt to evolving customer expectations, regulatory requirements and future innovation • Breadth of Temenos offering, selecting Temenos Core, Temenos Payments and Financial Crime Mitigation on SaaS • Secure, resilient and scalable platform aligned to Kingdom Bank’s long-term growth plans • Out-of-the-box capabilities and technical flexibility supported the bank’s transformation goals Background Why Temenos Outcomes Success for us is that we have a platform in place that will help us again to grow and help us to serve our customers. That’s our underlying reason for doing this digital transformation – is to stay current and provide our customers with a platform that is the new norm in banking.” - Philip Taylor, Chief Information Officer, Kingdom Bank
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11Copyright © 2026 Temenos additiv integration progresses; growing pipeline with Tier 1 & 2 prospects additiv is delivering initial cost synergies, gaining cross-selling traction and expanding Temenos’ wealth proposition and AI-enabled journey orchestration capabilities Commercial Momentum additiv integrated with Temenos core Wealth orchestration for the mass affluent segment Orchestration and AI agents to enrich wealth and digital solutions Leveraging global sales relationships Global cross-selling engagement Strong interest from Tier 1 & 2 prospects Temenos sales driving pipeline growth Product & R&D Commercial & GTM Integration On Track Finance & Accounting Legal, Compliance & Risk Management Facilities & Shared Services Corporate IT People & Organization Marketing & Communications Initial cost synergy measures implemented
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12Copyright © 2026 Temenos Strategy execution update Product & technology investment Go To Market investment G&A and Operating Model Progress Customer lifecycle Product & Technology leadership accelerating roadmap and innovation delivery Ongoing investment in selective sales capabilities for larger deals globally Investing in key growth markets including Brazil and Japan, with good pipeline growth in both AI usage demonstrating tangible productivity gains across corporate, product and technology functions in line with AI strategy Continued implementation of automation and process and systems simplifications across enterprise to drive efficiency savings
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13Copyright © 2026 Temenos 13 Agenda Business update Financial update Appendix 13
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14Copyright © 2026 Temenos Double-digit ARR growth Consistent delivery on ARR and product revenue growth ARR, USDm Q3-25 Q3-26 809 904+12% Product Revenue, USDm Q3-25 Q3-26 225 257+14% Note: Figures are non-IFRS and in constant currencies.
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15Copyright © 2026 Temenos Strong subscription and SaaS growth Total revenue growth of 13% in Q3-26 Subscription and SaaS, USDm Q3-25 Q3-26 100 122+22% Total Revenue, USDm Q3-25 Q3-26 259 293+13% Note: Figures are non-IFRS and in constant currencies
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16Copyright © 2026 Temenos Revenue growth, efficiency savings and operating leverage driving profitability Non-IFRS EBIT, USDm Strong EBIT growth after accelerated investments in Product & Technology Q3-25 Q3-26 87 109+26% 0.93 1.23 Q3-25 Q3-26 +32% Non-IFRS EPS, USD Note: Figures are non-IFRS and in constant currencies except for EPS which is reported
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17Copyright © 2026 Temenos ARR and non-IFRS income statement – operating ARR (USDm) Q3-26 Q3-25 Y-o-Y reported Y-o-Y c.c. ARR 903.6 811.0 11% 12% Income statement (USDm) Q3-26 Q3-25 Y-o-Y reported Y-o-Y c.c. YTD Q3-26 YTD Q3-25 (proforma) Y-o-Y reported Y-o-Y c.c. Subscription and SaaS 121.8 99.2 23% 22% 318.1 300.9 6% 5% Maintenance 134.7 125.5 7% 7% 400.9 359.0 12% 11% Services 36.2 33.8 7% 8% 108.2 96.6 12% 10% Total revenue 292.8 258.5 13% 13% 827.2 756.5 9% 9% Operating costs 183.4 174.0 5% 7% 519.1 490.8 6% 5% EBIT 109.3 84.6 29% 26% 308.1 265.6 16% 15% Margin 37.3% 32.7% 5% pts 4% pts 37.2% 35.1% 2% pts 2% pts EBITDA 128.0 103.3 24% 21% 363.1 322.5 13% 12% Margin 43.7% 40.0% 4% pts 3% pts 43.9% 42.6% 1% pts 1% pt Q3-26 YTD Q3-26 Note: Figures are non-IFRS.
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18Copyright © 2026 Temenos In USDm, except EPS Q3-26 Q3-25 Y-o-Y reported EBIT 109.3 84.6 29% Net finance charge (4.5) (1.3) n.m. FX gain / (loss) 0.8 (1.8) n.m. Tax (21.2) (17.4) 22% Net profit 84.4 64.1 32% EPS (USD) 1.23 0.93 32% Non-IFRS income statement – non-operating Note: Figures are non-IFRS.
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19Copyright © 2026 Temenos Strong free cash flow growth Q3-25 Q3-26 29 36+24% FCF, USDm Consistent delivery on free cash flow growth Note: Figures are non-IFRS.
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20Copyright © 2026 Temenos Cash on Balance Sheet (30/06/26) 72 Operating Cash (7) Tax Capex (6) Net Proceeds / Repayment of Borrowings and Investments 120 151 138 Share Buyback Reported Net Debt Borrowings (36) (952) (20) Acquisition Cash on Balance Sheet (30/09/26) Interest, FX & Leases (135) (813) Leverage at 1.6x at end of Q3-26 Group liquidity (reported) USDm Note: Net debt is reported and excludes cross currency swaps
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21Copyright © 2026 Temenos Debt, leverage and capital allocation Debt, leverage and capital allocation (reported) New share buyback for total of up to CHF 100m launched in August 2026, to last until February 26th, 2027 at the latest (press release available here) Reported net debt of USD 813m as of 30 September 2026 Leverage at 1.6x at quarter end, expected to be within target range of 1-1.5x by year-end Note: Net debt is reported and excludes cross currency swaps
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22Copyright © 2026 Temenos FY-26 guidance FY-25 proforma (USD, c.c.) ARR (c.c.) c.12% growth 857m Subscription and SaaS (c.c.) c.9% growth 456m EBIT (c.c.) c.12% growth (up from c.9%) 375m EPS (reported) c.10% growth (up from c.7%) 4.20* Free cash flow (reported) c.16% growth 256m* Note: FY-25 EPS and free cash flow are not restated for currency. FY-26 tax rate of 19-21% expected. Proforma excludes contribution from Multifonds which was sold in Q2-25. See disclaimer at beginning of this presentation on forward-looking statements. FY-26 guidance raised (non-IFRS) • FY-26 EBIT and EPS guidance raised, guidance reconfirmed for ARR, subscription & SaaS and free cash flow • The acquisition of additiv is expected to be marginally accretive to Temenos’ FY-26 ARR and non-IFRS subscription and SaaS revenue and is expected to be neutral for Temenos’ FY-26 EBIT, EPS and FCF • FY-25 proforma excludes any contribution from Multifonds and is constant currency FY-26 guidance includes the remaining headwind on growth from the termination of one BNPL client in FY-25. There will be no further headwind from this termination after FY-26. The impact is as follows: • 3% pts on ARR • 5% pts on subscription & SaaS • 4% pts on EBIT and EPS
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23Copyright © 2026 Temenos FY-28 targets (USD) FY-25 proforma (USD, c.c.) Implied CAGR ARR >1.23bn 857m 13% EBIT c.480m 375m 9% Free Cash Flow c.410m 256m* 17% Note: FY28 targets are organic. FY-25 Free Cash Flow is reported. Proforma excludes contribution from Multifonds which was sold in Q2-25. See disclaimer at beginning of this presentation on forward-looking statements Reconfirming FY-28 targets (non-IFRS) • FY-28 targets reconfirmed. These targets are organic and non-IFRS • FY-25 proforma excludes contribution from Multifonds and is constant currency • We expect to announce updated FY-28 targets including additiv at the Q4-26 results announcement
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24Copyright © 2026 Temenos 24 Agenda Business update Financial update Appendix 24
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25Copyright © 2026 Temenos Leader: 2026 Gartner Magic Quadrant for Retail Core Banking Systems, Europe 2026 IDC Real Results Omni-Engagement Transformation - Temenos and Hamilton Reserve Bank Best Back-Office / Core Services Solution Best Banking Technology Provider One of the World’s Top Fintech Companies Banking Tech of the Year Finalist Winners announced: 19 Nov Industry Recognition
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26Copyright © 2026 Temenos • Q3-26 organic non-IFRS revenue up 12% • Q3-26 organic non-IFRS product revenue up 13% • Q3-26 organic non-IFRS costs up 4% • Q3-26 organic non-IFRS product costs up 5% 0 50 100 150 200 250 300 Q3-25 Q3-26 +12% Organic Non-IFRS services revenue revenue Organic Non-IFRS product revenue 4% 13% Note: figures are non-IFRS c.c. growth rates unless otherwise stated. Organic figures exclude any impact from acquisitions Organic revenue and costs 0 20 40 60 80 100 120 140 160 180 Q3-25 Q3-26 +4% Organic Non-IFRS services cost Organic Non-IFRS product cost (3%) 5%
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27Copyright © 2026 Temenos Non-IFRS growth rates excluding contribution from BNPL customer in prior quarter Q3-25 Q3-26 +15% ARR Q3-25 Q3-26 +31% non-IFRS EBIT Q3-25 Q3-26 +30% Subscription & SaaS Q3-25 Q3-26 +38% non-IFRS EPS
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28Copyright © 2026 Temenos In preparing the FY-26 guidance, the Company has assumed the following FX rates: EUR to USD exchange rate of 1.12 GBP to USD exchange rate of 1.34; and USD to CHF exchange rate of 0.82 FX and other assumptions underlying FY-26 guidance The Company has also assumed the following for FY-26 guidance: • FY-26 tax rate of 19-21% expected
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29Copyright © 2026 Temenos FX exposure % of total USD EUR GBP CHF INR RON Other Subscription and SaaS 77% 11% 2% 2% 0% 0% 8% Maintenance 84% 8% 2% 1% 0% 0% 5% Services 48% 27% 5% 6% 0% 0% 14% Revenues 76% 12% 2% 2% 0% 0% 8% Non-IFRS costs 34% 12% 11% 7% 13% 2% 21% Non-IFRS EBIT 157% 13% (15%) (7%) (26%) (3%) (19%) NB. All % are approximations based on FY-25 proforma actuals Mitigated FX exposure – matching of revenues / costs and hedging
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30Copyright © 2026 Temenos ARR, USD m Q1-24 Q2-24 Q3-24 Q4-24 Q1-25 Q2-25 Q3-25 Q4-25 Q1-26 Q2-26 Q3-26 ARR 683.5 703.7 721.4 749.5 741.4 790.6 811.0 859.9 860.7 880.6 903.6 Quarterly proforma ARR and FCF FCF, USD m Q1-24 Q2-24 Q3-24 Q4-24 Q1-25 Q2-25 Q3-25 Q4-25 Q1-26 Q2-26 Q3-26 FCF 43.5 60.6 22.5 96.6 48.8 65.3 29.3 113.0 59.5 74.2 36.4
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31Copyright © 2026 Temenos Subscription and SaaS revenue breakdown by geography Q3-26 11% 46%20% 23% APAC Europe MEA Americas
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32Copyright © 2026 Temenos DSOs at 170 at Q3-26 DSOs Note: Proforma view excludes Multifonds revenue and receivables 152 153 151 152 146 147 160 160 164 164 168 170 0 20 40 60 80 100 120 140 160 180 Q4-24 Q1-25 Q2-25 Q3-25 Q4-24 Proforma Q1-25 Proforma Q2-25 Proforma Q3-25 Proforma Q4-25 Proforma Q1-26 Proforma Q2-26 Q3-26
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33Copyright © 2026 Temenos DSOs at 170 at Q3-26 DSOs Note: Proforma view excludes Multifonds revenue and receivables 136 133 134 152 153 151 152 146 147 160 160 164 164 168 170 0 20 40 60 80 100 120 140 160 180 Q1-24 Q2-24 Q3-24 Q4-24 Q1-25 Q2-25 Q3-25 Q4-24 Proforma Q1-25 Proforma Q2-25 Proforma Q3-25 Proforma Q4-25 Proforma Q1-26 Proforma Q2-26 Q3-26
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34Copyright © 2026 Temenos Leverage ratios 1.4x 1.4x 1.8x 1.3x 1.3x 1.2x 1.4x 1.2x 1.3x 1.4x 1.6x 0.0x 0.5x 1.0x 1.5x 2.0x Q1-24 Q2-24 Q3-24 Q4-24 Q1-25 Q2-25 Q3-25 Q4-25 Q1-26 Q2-26 Q3-26 Balance sheet – leverage Note: Includes Multifonds EBITDA
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35Copyright © 2026 Temenos Proforma, USDm Q1-25 Q2-25 Q3-25 Q4-25 FY-25 Cap’ dev’ costs (15.4) (15.0) (15.3) (15.1) (60.7) Amortisation 13.1 13.1 13.1 14.5 53.8 Net cap’ dev’ (2.2) (1.9) (2.2) (0.6) (6.9) Capitalization of development costs USDm Q1-26 Q2-26 Q3-26 Q4-26 FY-26 Cap’ dev’ costs (15.0) (13.4) (17.5) Amortisation 13.4 13.5 13.9 Net cap’ dev’ (1.5) 0.1 (3.6)
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36Copyright © 2026 Temenos Reconciliation from IFRS to non-IFRS IFRS revenue measure + Deferred revenue write-down = Non-IFRS revenue measure IFRS profit measure + / - Share-based payments and related social charges + / - Deferred revenue write down + / - Discontinued activities + / - Gain/loss from sale of business + / - Amortisation of acquired intangibles + / - Restructuring / M&A related costs + / - Fair value change on financial investments + / - Taxation = Non-IFRS profit measure
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37Copyright © 2026 Temenos Accounting elements not included in non-IFRS guidance Below are the accounting elements not included in the FY-26 non-IFRS guidance: FY-26 estimated share-based payments charge of c.4-5% of revenue FY-26 estimated amortisation of acquired intangibles of USD 40m FY-26 estimated restructuring / M&A related costs of USD 14-15m Costs incurred in connection with a restructuring program or other organizational transformation activities planned and controlled by management, or cost related mainly to advisory fees, integration, separation, carve-out costs, earn- out credits or charges and regulatory changes requiring retrospective application which may result in one-off impact to Income statement. Severance charges, for example, would only qualify under this expense category if incurred as part of a Company-wide restructuring plan. Regulatory-driven changes qualify only where: (i) the change is externally imposed (law or regulation), (ii) requires retrospective application, and (iii) results in a non-recurring adjustment
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38Copyright © 2026 Temenos Earnings Reconciliation – IFRS to non-IFRS (reported) In USDm, except EPS 3 Months Ending 30 Sep 3 Months Ending 30 Sep 2026 2026 2025 2025 IFRS Non-IFRS adj. Non-IFRS IFRS Non-IFRS adj. Non-IFRS Subscription and SaaS 121.7 0.1 121.8 99.2 - 99.2 Maintenance 134.6 0.1 134.7 125.5 - 125.5 Services 36.2 - 36.2 33.8 - 33.8 Total Revenue 292.5 0.3 292.8 258.5 - 258.5 Total Operating Costs (207.7) 24.3 (183.4) (198.4) 24.5 (174.0) Restructuring/M&A costs (3.1) 3.1 - (4.3) 4.3 - Amort of Acq’d Intang. (11.1) 11.1 - (10.6) 10.6 - Share-based payments (10.1) 10.1 - (9.6) 9.6 - Operating Profit 84.8 24.6 109.3 60.1 24.5 84.6 Operating Margin 29% 37% 23% 33% Financing Costs (5.1) 1.4 (3.7) (3.1) - (3.1) Taxation (16.3) (4.9) (21.2) (12.7) (4.7) (17.4) Net Earnings 63.4 21.0 84.4 44.4 19.7 64.1 EPS (USD per Share) 0.92 0.31 1.23 0.65 0.28 0.93
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39Copyright © 2026 Temenos Net earnings reconciliation IFRS to non-IFRS In USDm, except EPS Q3-26 Q3-25 IFRS net earnings 63.4 44.4 Share-based payments 10.1 9.6 Amortisation of acquired intangibles 11.1 10.6 Restructuring / M&A related costs 4.5 4.3 Fair value change on financial instruments - - Taxation (4.9) (4.7) Deferred Revenues 0.3 - Net earnings for non-IFRS EPS 84.4 64.1 No. of dilutive shares (m shares) 68.7 68.6 Non-IFRS diluted EPS (USD) 1.23 0.93
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40Copyright © 2026 Temenos Non-IFRS adjustments Share-based payment charges Adjustment made for shared-based payments and social charges Deferred revenue write-down Adjustments made resulting from acquisitions Discontinued activities Discontinued operations at Temenos that do not qualify as such under IFRS Gain/loss from sale of business Gain or loss from sale of part of the business and contingent consideration fair value gains/losses Acquisition / Investment related finance cost Mainly relates to acquisition & investment related financing expenses and fair value changes on investments Amortisation of acquired intangibles Amortisation charges as a result of acquired intangible assets Restructuring / M&A related costs Costs incurred in connection with a restructuring program or other organizational transformation activities planned and controlled by management, or cost related mainly to advisory fees, integration, separation, carve -out costs, earn-out credits or charges and regulatory changes requiring retrospective application which may result in one-off impact to Income statement. Severance charges, for example, would only qualify under this expense category if incurred as part of a Company -wide restructuring plan. Regulatory-driven changes qualify only where: (i) the change is externally imposed (law or regulation), (ii) requires retrospective application, and (iii) results in a non-recurring adjustment Taxation Adjustments made to reflect the associated tax charge on non -IFRS profit adjustments mainly on share-based payments, restructuring costs, deferred revenue write-down, gain/loss from sale of business, amortization of acquired intangibles and fair value changes on investment on the basis of Temenos’ expected effective tax rate Other Proforma (excluding Multifonds) Income statement line items and free cash flow adjusted to remove any contribution from Multifonds which closed in Q2-25. Constant currencies Prior year results adjusted for currency movement Like-for-like (LFL) Adjusted prior year for acquisitions and movements in currencies SaaS Revenues generated from Software-as-a-Service, reported in Subscription and SaaS. Subscription Revenue from software sold on a subscription basis. License and Maintenance are recognized separately, with the License obligation reported in Subscription and SaaS. Annual Recurring Revenues (ARR) Annualized contract value committed at the end of the reporting period from active contracts with recurring revenue streams. Includes New Customers, up- sell/cross-sell, and attrition. Excludes variable elements. Product Revenues Revenues from Subscription and SaaS and Maintenance combined i.e. Total revenues excluding services revenues Non-IFRS definitions
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41Copyright © 2026 Temenos Thank you temenos.com