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H1 2026 Results Presentation 26 August 2026 Building on trust. Growing digitally.
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2 AUSTRIACARDHOLDINGS H1 2026 Results Presentation Disclaimer This presentation (“Presentation”) has been prepared by AUSTRIACARD HOLDINGS AG (the “Company”) solely for informational purposes and is intended exclusively for the designated recipient. By attending a meeting where this Presentation is made, or by reading the Presentation slides, you agree to be bound by the following limitations. By attending any oral presentation in which this Presentation is made available or by receiving this Presentation through any other means, you represent that you are able to receive this Presentation without contravention of any legal or regulatory restrictions applicable to you and will not use this information in relation to any investment decisions (if any). This Presentation is given in conjunction with an oral presentation, and both should be considered together and not taken out of context (together, the “Information”). 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3 AUSTRIACARDHOLDINGS H1 2026 Results Presentation Contents 4. Results Highlights 17. About Us 21. Appendix Consolidated Financial Statements
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4 AUSTRIACARDHOLDINGS H1 2026 Results Presentation Results Highlights
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5 AUSTRIACARDHOLDINGS H1 2026 Results Presentation H1 2026 at a glance Note: all amounts and percentages presented herein are rounded; accordingly, totals may not sum precisely due to rounding • Revenues +14% vs. H1 2025 • EBITDA +10% vs. H1 2025 • EBITDA excl. one-offs +14% vs. H1 2025 • Net Profit +135% vs. H1 2025 Growth momentum returns as guided • Digital Technologies • Identity & Payment Resilient, diversified business model delivering results • Operating Cash Flow: €9.3m outflow Temporary headwinds in cash flow; significant working capital improvement expected in H2 2026 • Leverage at 2.1x (vs. 2.3x in H1 2025) • Group Net Debt: €103.9m Solid Balance Sheet & Healthy Leverage A return to growth momentum, despite headwinds (macro & geopolitics) and one-off items o Group Revenue: low-double digit growth vs. 2025 o Group EBITDA: marginal decline burdened by one-off costs (DNP offer, SOP settlement), margin pressure in Document Lifecycle Management, heightened competition in banking cards in CEE & Türkiye o Group EBITDA margin: anticipated contraction vs. 13.6% in 2025 o Group Operating Cash Flow: broadly unchanged vs. 2025 significant improvement in working capital in H2 2026 to be offset by c€6m one-off costs (DNP offer, change-of-control event, SOP settlement) 2026 Outlook & Management guidance o Accelerated y-o-y revenue growth in Q2 (+20% vs. +8% in Q1) o One-off costs (SOP, LTI, DNP offer), outsourcing costs (Greek public sector digitization projects), margin pressure in Document Lifecycle Management (Romania) burdened EBITDA o Public sector digitization projects in Greece o Strong growth from UK and US-based Fintech clients o Citizen authentication solutions in MEA o GaiaB™ Appliance first large-scale order in UAE o Working capital build-up largely attributed to project billing timing o SOP settlement: cash payout (€2.6m) further weighed o Temporary worsening not at all associated to a structural weakening in the underlying working capital management o Leverage maintained at healthy levels o €22m Net Debt increase vs. end-2025 (working capital build-up) • 96.55% of shareholders accepted the Offer • The Offer has not become unconditionally binding Dai Nippon Printing Co., Ltd. (“DNP”) Voluntary Takeover Offer (“Offer”) o FDI clearance from the competent Austrian authorities is pending o Additional Acceptance Period: 26 August until 26 November o DNP intends to effect a squeeze-out, ultimately delisting AUSTRIACARD shares from both VSE and Euronext Athens
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6 AUSTRIACARDHOLDINGS H1 2026 Results Presentation P&L Highlights Revenues 186.6 Net Profit 5.8 • EBIT growth (+22%) • €2.2m gain from minority stake sale in SEGLAN S.L. • Digital Technologies +93% o Public sector digitization projects in Greece (c€14m revenue increase) • Identity & Payment solutions +13% o Payment: +11% (UK and US-based Fintech clients) o Identity: +33% (MEA business development) • Document Lifecycle Management -10% o secular volume contraction in postal services in Romania and printing in Greece o MEA business development in secure printing (€0.6m revenue increase; incl. national elections project in Africa) EBITDA 19.4 10% 135%14% €m • Revenue growth (+14%) • EBITDA margin contraction (40bps) to 10.4% o Gross Profit I margin 100bps contraction to 45.9%; due to higher outsourcing costs for the public sector digitization projects in Greece and margin pressure in Document Lifecycle Management (Romania) o Gross Profit II margin virtually unchanged at 22.4% (supported by economies of scale in production) o Higher SG&A and R&D (+13%) burdened by higher c€1m one-off costs (SOP settlement, LTI valuation, DNP offer) • EBITDA excl. one-offs: €21.9m (+14% vs. l-f-l H1 2025) Note: all amounts and percentages presented herein are rounded; accordingly, totals may not sum precisely due to rounding EBITDA margin 14% excl. one-offs 21.9 19.2 EBITDA like-for-like excl. one-offs
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7 AUSTRIACARDHOLDINGS H1 2026 Results Presentation Revenue growth momentum accelerated in Q2 Group Revenues €m • Digital Technologies (accelerated implementation of contracted public sector digitization projects in Greece: c €14m revenue increase vs. H1 2025) • Payment solutions (+11% vs. H1 2025) (sustained strong growth from UK and US-based Fintech clients) • Identity solutions (+33% vs. H1 2025) (MEA business development in citizen authentication solutions) • Continued investment in R&D capabilities to support future business growth, especially in Digital Technologies • Higher outsourcing costs for the public sector digitization projects in Greece and margin pressure in Document Lifecycle Management (Romania) • c€1m increase vs H1 2025 in one-off costs related to SOP settlement, current LTI valuation effects and DNP offer Key Performance Drivers in H1 2026 Group EBITDA 20% EBITDA margin Note: all amounts and percentages presented herein are rounded; accordingly, totals may not sum precisely due to rounding 8% % y-o-y change 9% 11% Q2 2026 EBITDA excl. one-offs €10.2m 26%
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8 AUSTRIACARDHOLDINGS H1 2026 Results Presentation Balance Sheet & Cash Flow Highlights Net Working Capital 89.2 Operating Cash Flow (9.3) CAPEX1 12.3 Leverage (Net Debt2 / EBITDA) 2.1x 1. CAPEX incl. Right-of-use assets (Leasing PPE) 2. Net Debt = Loans and borrowings (incl. Lease Liabilities) – Cash • Trade & Other receivables increase (€26m): public sector digitization projects in Greece, Identity solutions in MEA and VAT claims • Contract assets increase (€9m): public sector digitization projects in Greece are invoiced upon completion, Identity & Payment solutions in CEE and MEA • SOP settlement: first cash payout (€2.6m) • Inventory decline (€3m) • Temporary working capital build-up attributed to project billing timing and revenue mix effects → No structural weakening in the underlying working capital management Changes in Working Capital €(26)m €(7)m in H1 2025 Investments to support future growth • Machinery & Equipment: €7m o Secure document printing projects in MEA o 2nd perso center in the US (Salt Lake City) • In-house software development: €4m o Payment (ACOS and perso systems) o Digital Technologies (GaiaB, CaaS, data capture platform) • Working capital build-up is funded by cash and debt drawdown • Leverage maintained at healthy levels, despite working capital build-up • Group blended cost of debt: 5.4% (FY2025: 5.6%) Net Debt2 / EBITDA (x)% of Revenues % of Revenues Note: all amounts and percentages presented herein are rounded; accordingly, totals may not sum precisely due to rounding
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9 AUSTRIACARDHOLDINGS H1 2026 Results Presentation Net Working Capital H1 2026 bridge 1 2 3 • Public sector digitization projects in Greece • Identity solutions in MEA • VAT claims & deferred expenses Trade & Other Receivables1 • Public sector digitization projects in Greece (invoiced upon project completion) • Identity & Payment solutions in CEE & MEA Contract Assets2 • Reclassification €8.6m reserves from equity to other payables (SOP settlement) Trade & Other Payables3 Working capital build-up attributed to project billing timing (i.e. increased capital tied up in project execution) and revenue mix effects No structural weakening in the underlying working capital management Management anticipates a significant underlying improvement in Working Capital in H2 2026 Cash Inflow Cash Outflow * Other includes: Current income tax assets & liabilities, Contract liabilities and Deferred income €m Working Capital build-up +€15m vs. 31.12.2025 Note: all amounts and percentages presented herein are rounded; accordingly, totals may not sum precisely due to rounding
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10 AUSTRIACARDHOLDINGS H1 2026 Results Presentation Solid Revenue growth across all Segments WEST & ΜΕΑ the clear outperformers Central Eastern Europe & DACH (CEE) W. Europe, Nordics, Americas (WEST) Türkiye, Middle East & Africa (MEA) 16% RevenuesEBITDA EBITDA margin 7% €m 23% 48% 26% 124% Note: all amounts and percentages presented herein are rounded; accordingly, totals may not sum precisely due to rounding
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11 AUSTRIACARDHOLDINGS H1 2026 Results Presentation Group Revenues H1 2026 — Geographic segments • Digital Technologies: +91% vs. H1 2025 o accelerated implementation of public sector digitization projects in Greece (c€14m revenue increase vs. H1 2025) • Identity & Payment solutions: -2% vs. H1 2025 o Turkish payment card market normalization (€1.5m revenue decline) (inter-segment) o unfavourable base effect from H1 2025: card renewals with Romanian banks, e-health cards in Austria • Document Lifecycle Management: -11% vs. H1 2025 o secular volume contraction in postal services in Romania and printing in Greece Central Eastern Europe & DACH (CEE) • Payment solutions: +23% vs. H1 2025 o cards issuance (+21%), cards personalization (+18%), distribution of personalized cards (fulfillment) (+47%) • US: +35% vs. H1 2025 o metal cards (+83%), cards personalization (+19%), distribution of personalized cards (fulfillment) (+41%) Western Europe, Nordics, Americas (WEST) • Identity solutions: €5m revenue increase vs. H1 2025 (citizen authentication projects) • Document Lifecycle Management (printing & secure printing): €0.6m revenue increase vs. H1 2025 (national elections project in East Africa) • Digital Technologies: €0.5m revenue increase vs. H1 2025 (GaiaB™ first large-scale order in UAE) • Payment solutions: continued normalization of the Turkish payment card market Türkiye, Middle East & Africa (MEA) 1 1 2 2 3 3 mainly inter-segment €m 7% 23% 26% 14% % change vs. H1 2025 Note: all amounts and percentages presented herein are rounded; accordingly, totals may not sum precisely due to rounding
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12 AUSTRIACARDHOLDINGS H1 2026 Results Presentation Group EBITDA H1 2026 — Geographic segments • Gross Profit -6% vs. H1 2025 o Cost of sales (+11%): higher outsourcing costs (Greek public sector digitization projects) and margin pressure in Document Lifecycle solutions (Romania) o Unfavourable base effect from H1 2025: card renewals with Romanian banks, e-health cards in Austria • Gross Profit margin: 19.0% (2.8 percentage points contraction vs. H1 2025) • EBITDA margin contraction: 8.8% (2.4 percentage points contraction vs. H1 2025) • Gross Profit +42% vs. H1 2025 o revenue growth (+23%) o growing contribution of higher-margin solutions (perso & fulfillment) • Gross Profit margin: 27.9% (3.7 percentage points expansion vs. H1 2025) • EBITDA margin: 18.0% (3.1 percentage expansion vs. H1 2025) • Gross Profit +93% vs. H1 2025 o revenue growth (+26%) o favourable revenue mix towards higher-margin solutions (citizen authentication & secure document printing) • Gross Profit margin: 15.6% (5.4 percentage points expansion vs. H1 2025) • EBITDA margin: 5.5% (2.4 percentage points expansion vs. H1 2025) Central Eastern Europe & DACH (CEE) Western Europe, Nordics, Americas (WEST) Türkiye, Middle East & Africa (MEA) 16% 48% 1 2 3 Corporate 1 2 3 €m % change vs. H1 2025 10% 124% Note: all amounts and percentages presented herein are rounded; accordingly, totals may not sum precisely due to rounding
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13 AUSTRIACARDHOLDINGS H1 2026 Results Presentation Group Revenues H1 2026 — Solutions 1 32 • Payment solutions: +11% vs. H1 2025 o Cards issuance (+11%), cards personalization (+13%), distribution of personalized cards (fulfillment) (+23%) • Identity solutions: +33% vs. H1 2025 o MEA business development in citizen authentication solutions • US: +35% vs. H1 2025 o metal cards (+83%); cards personalization (+19%); distribution of personalized cards (fulfillment) (+41%) • Group total volume of sold cards: +14% to 63.7m (Q2: +19% vs. Q1: +9%) • Continued normalization in the Turkish payment card market • Postal services in Romania & printing business in Greece: continued secular volume contraction as part of the broader trends of digitization of client communication • MEA business development in secure document printing projects: c€0.5m revenue increase vs. H1 2025 (including a national elections project in East Africa) • Public sector digitization projects in Greece: c€14m revenue increase vs. H1 2025 • MEA business development: €0.6m revenue increase vs. H1 2025 (GaiaB™ first large- scale order in UAE) Identity & Payment solutions Document Lifecycle Management Digital Technologies13% 93% 10% 1 2 3 €m % change vs. H1 2025 14% Note: all amounts and percentages presented herein are rounded; accordingly, totals may not sum precisely due to rounding
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14 AUSTRIACARDHOLDINGS H1 2026 Results Presentation Digital Technologies Greek Public Sector Digital Transformation Awarded Projects To Date Total Contract Value Received / Recognised (cumulative total 2023-H1 2026) Remaining (recognised from Q3 2026 onwards) Total (€m) 73.5 55.5 18 €m % of Group Revenues A key growth contributor with a series of technologically advanced solutions, anchored by a solid, contracted pipeline of large-scale Greek Public Sector Digital Transformation projects 93% Greek Public Sector Digital Transformation c€14m revenue increase CAGR 2023-25 49% Note: all amounts and percentages presented herein are rounded; accordingly, totals may not sum precisely due to rounding
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15 AUSTRIACARDHOLDINGS H1 2026 Results Presentation Shifting Revenue Mix More higher-margin Solutions and Services All percentages presented herein are rounded; accordingly, totals may not sum precisely due to rounding 1. Revenues related to the distribution services of personalized cards (fulfillment services) have been reclassified from Doc ument Lifecycle Management into Identity & Payment solutions. This reclassification accurately reflects revenues related to the Group’s Payment solutions. 2. Revenue breakdown per Geographic Segment does not incorporate Inter-segment and Corporate eliminations at the Group level Identity & Payment Document Lifecycle Management Digital Technologies Central Eastern Europe & DACH (CEE) Western Europe, Nordics, Americas (WEST) Türkiye, Middle East & Africa (MEA) H1 2026 €187m H1 2025 €164m Solutions1 Geographic Segments2
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16 AUSTRIACARDHOLDINGS H1 2026 Results Presentation FY2026 Outlook Opportunities for 2026 and beyond Strategic initiatives to drive sustainable margin enhancement and earnings growth: Digital Technologies, Trusted digital Identity & Payment solutions Robust revenue pipeline Solid backlog of customer onboardings in WEST Roll-out (i) Card-as-a-Service (CaaS) to Fintech/neobanks and (ii) GaiaB™ Appliance Efficiency initiatives and focused cost management Significant Working Capital improvement in H2 2026 (cash collection of contracted public sector digitization projects in Greece, continued inventory decline, benefits from the renegotiation of contractual purchasing obligations with key suppliers in summer 2025, collection of VAT claims) Disciplined capital allocation and a healthy, under-levered balance sheet low-double-digit growth vs. 2025 (upward revision from high-single-digit)Group Revenue Marginal EBITDA decline vs. 2025 and margin contraction vs. 2025 (FY2025: 13.6%) • Margin pressure in Document Lifecycle Management solutions in CEE • Lower average selling prices for banking cards in CEE & Türkiye • One-off, non-budgeted costs c€6m in total (DNP offer, change-of-control event, SOP settlement) Group EBITDA & margin FY2026 to remain broadly unchanged vs. 2025 (significant underlying working capital improvement in H2 2026 to be offset by one-off costs (DNP offer, change-of-control event, SOP settlement)Group Operating Cash Flow
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17 AUSTRIACARDHOLDINGS H1 2026 Results Presentation About Us
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18 AUSTRIACARDHOLDINGS H1 2026 Results Presentation A global applied technology company, powering secure digital transformation globally All financial information is based on 2025 Annual Financial Report 1. Operating Cash Flow = Cash flows from operating activities; 2. Leverage = Net Debt / EBITDA Global provider of Identity & Payment, Document Lifecycle Management, and Digital Technology solutions Focused on driving digital transformation through proprietary technology and AI-enabled innovation 10 manufacturing hubs across Europe and the US, supported by a global sales network for proximity and service excellence Deep, long-standing customer relationships with blue-chip financial institutions, corporates and governments Scalable, resilient operating platform backed by decades of proven execution Strong track record of growth, combining sustained organic expansion with disciplined strategic M&A Revenues €360m EBITDA €49m 13.6% margin Net Profit €16m Operating CF1 €40m Leverage2 1.7x Total Assets €328m 17 countries Physical Presence >50 countries Commercial Activity 2,360 Workforce 16 Sales Offices 10 Production Facilities FY2025 Financial Highlights
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19 AUSTRIACARDHOLDINGS H1 2026 Results Presentation A platform built for scale with a proven track record of growth €m Revenues EBITDA Net ProfitCAGR 2022-25 +5% CAGR 2022-25 +16% CAGR 2022-25 +50% All financial information is based on 2025 Annual Financial Report and previous years’ Annual Financial Reports Note: all amounts and percentages presented herein are rounded; accordingly, totals may not sum precisely due to rounding EBITDA margin
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20 AUSTRIACARDHOLDINGS H1 2026 Results Presentation A global footprint across EMEA and the US Facility Identity & Payment Personalization Centre Document Lifecyle Andorra ✅ Austria ✅ ✅ Greece ✅ ✅ Poland ✅ Romania ✅ ✅ ✅ Spain ✅ Türkiye ✅ UK ✅ ✅ US ✅ 10 manufacturing hubs across strategic markets Key operational presence WesternEurope,Nordics,Americas(WEST) CentralEasternEuropeandD A C H(CEE) Türkiye,MiddleEastandAfrica(MEA) 2025 Revenue by geographic segment 1 Sales Offices Norway, Czech Republic, Germany, Croatia, Serbia, Jordan, UAE, South Africa, Nigeria and a network of partners and selling agencies around the world CEE 56% WEST 34% MEA 17% 1. Including intra-segment revenues
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21 AUSTRIACARDHOLDINGS H1 2026 Results Presentation Appendix Consolidated Financial Statements
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22 AUSTRIACARDHOLDINGS H1 2026 Results Presentation Income Statement (IFRS) in € thousand H1 2026 H1 2025 Revenues 186,550 163,621 Cost of sales (144,679) (126,854) Gross profit 41,871 36,766 Gross profit margin 22.4% 22.5% Other income 2,901 2,482 Selling and distribution expenses (12,487) (11,087) Administrative expenses (16,746) (14,682) Research and development expenses (5,057) (4,563) Other expenses (584) (834) + Depreciation, amortization and impairment 9,524 9,587 EBITDA 19,422 17,671 EBITDA margin 10.4% 10.8% - Depreciation, amortization and impairment (9,524) (9,587) EBIT 9,898 8,083 EBIT margin 5.3% 4.9% Financial income 263 224 Financial expenses (4,489) (4,545) Result from associated companies 2,150 70 Net finance costs (2,076) (4,251) Profit/(Loss) before tax 7,822 3,833 Income tax expense (2,000) (1,357) Profit/(Loss) 5,822 2,476 Profit/(Loss) attributable to: Owners of the Company 5,046 1,361 Non-controlling interests 776 1,114 Profit/(Loss) 5,822 2,476 Earnings/(loss) per share basic 0.14 0.04 diluted 0.14 0.04
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23 AUSTRIACARDHOLDINGS H1 2026 Results Presentation Income Statement (IFRS) in € thousand Q2 2026 Q2 2025 Revenues 97,141 81,055 Cost of sales (76,788) (63,821) Gross profit 20,353 17,234 Gross profit margin 21.0% 21.3% Other income 1,848 1,290 Selling and distribution expenses (6,566) (5,618) Administrative expenses (9,522) (7,551) Research and development expenses (2,592) (2,243) Other expenses (276) (654) + Depreciation, amortization and impairment 4,676 4,814 EBITDA 7,921 7,272 EBITDA margin 8.2% 9.0% - Depreciation, amortization and impairment (4,676) (4,814) EBIT 3,245 2,458 EBIT margin 3.3% 3.0% Financial income 129 82 Financial expenses (2,792) (2,197) Result from associated companies 1,950 70 Net finance costs (713) (2,045) Profit/(Loss) before tax 2,533 413 Income tax expense (838) (497) Profit/(Loss) 1,695 (84) Profit/(Loss) attributable to: Owners of the Company 1,539 (628) Non-controlling interests 156 544 Profit/(Loss) 1,695 (84) Earnings/(loss) per share basic 0.04 (0.02) diluted 0.04 (0.02)
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24 AUSTRIACARDHOLDINGS H1 2026 Results Presentation Group Segments H1 2026 H1 2025 in € thousand CEE WEST MEA Corporate & Eliminations Total CEE WEST MEA Corporate & Eliminations Total Revenues 100,715 65,591 20,244 0 186,550 95,878 51,452 16,290 0 163,621 Intersegment revenues 10,781 1,662 298 (12,741) 0 8,080 3,232 24 (11,336) 0 Segment revenues 111,497 67,252 20,542 (12,741) 186,550 103,959 54,684 16,314 (11,336) 163,621 Costs of material & mailing (64,051) (34,793) (13,536) 11,534 (100,846) (56,230) (29,526) (11,663) 10,652 (86,767) Gross profit I 47,446 32,459 7,006 (1,207) 85,704 47,729 25,158 4,652 (684) 76,854 Gross profit I margin 42.6% 48.3% 34.1% 45.9% 45.9% 46.0% 28.5% 47.0% Production costs (26,300) (13,729) (3,810) 6 (43,833) (25,131) (11,959) (2,998) 0 (40,088) Gross profit II 21,146 18,730 3,196 (1,201) 41,871 22,598 13,199 1,654 (684) 36,766 Gross profit II margin 19.0% 27.9% 15.6% 22.4% 21.7% 24.1% 10.1% 22.5% Other income 2,401 417 0 83 2,901 2,395 38 0 49 2,482 Selling and distribution expenses (6,568) (4,902) (974) (43) (12,487) (6,326) (4,085) (675) 0 (11,087) Administrative expenses (8,657) (4,793) (1,058) (2,237) (16,746) (8,253) (3,956) (505) (1,968) (14,682) R&D expenses (4,077) (280) (427) (273) (5,057) (3,884) (300) (350) (29) (4,563) Other expenses (279) (291) (10) (4) (584) (729) (67) (10) (28) (834) + Depreciation, amortization 5,848 3,253 394 29 9,524 5,823 3,364 385 15 9,587 EBITDA 9,813 12,133 1,120 (3,645) 19,422 11,623 8,192 500 (2,645) 17,671 EBITDA margin 8.8% 18.0% 5.5% 10.4% 11.2% 15.0% 3.1% 10.8% - Depreciation, amortization (5,848) (3,253) (394) (29) (9,524) (5,823) (3,364) (385) (15) (9,587) EBIT 3,965 8,881 727 (3,674) 9,898 5,800 4,829 115 (2,660) 8,083 EBIT margin 3.6% 13.2% 3.5% 5.3% 5.6% 8.8% 0.7% 4.9% Financial income 263 224 Financial expenses (4,489) (4,545) Result from associated companies 2,150 70 Net finance costs (2,076) (4,251) Profit/(Loss) before tax 7,822 3,833 Income tax expense (2,000) (1,357) Profit/(Loss) 5,822 2,476
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25 AUSTRIACARDHOLDINGS H1 2026 Results Presentation Balance Sheet in € thousand 30 June 2026 31 December 2025 Property, plant and equipment and right of use assets 98,144 96,022 Intangible assets and goodwill 57,859 57,609 Equity-accounted investees 0 423 Other receivables 1,081 1,098 Deferred tax assets 4,294 3,865 Non-current assets 161,378 159,016 Inventories 64,212 67,124 Contract assets 38,060 28,824 Current income tax assets 1,260 771 Trade receivables 50,191 37,930 Other receivables 23,069 8,959 Cash and cash equivalents 10,027 25,139 Current assets 186,818 168,748 Total assets 348,196 327,764 Share capital 36,354 36,354 Share premium 32,749 32,749 Own shares 0 (2,584) Other reserves 2,011 18,232 Retained earnings 55,330 47,512 Equity attributable to owners of the Company 126,444 132,263 Non-controlling interests 4,226 3,671 Total Equity 130,670 135,934 Loans and borrowings 98,616 91,117 Employee benefits 4,296 3,612 Other payables 1,471 1,573 Deferred tax liabilities 10,258 10,505 Non-current liabilities 114,640 106,807 Current tax liabilities 3,879 3,012 Loans and borrowings 15,308 15,644 Trade payables 48,461 41,124 Other payables 25,528 17,765 Contract liabilities 8,916 6,254 Deferred income 793 1,224 Current Liabilities 102,886 85,023 Total Liabilities 217,526 191,830 Total Equity and Liabilities 348,196 327,764
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26 AUSTRIACARDHOLDINGS H1 2026 Results Presentation Cash Flow Statement in € thousand H1 2026 H1 2025 Profit/(Loss) before tax 7,822 3,833 Adjustments for: - Depreciation, amortization and impairment 9,524 9,587 - Net finance costs 2,076 4,251 - Other non-cash transactions 39 187 - Cash settlement of Management participation program (2,585) 0 16,877 17,858 Changes in: - Inventories 2,913 4,375 - Contract assets (9,236) (5,873) - Trade and other receivables (26,370) 7,818 - Contract liabilities 2,662 3,285 - Trade payable and other payables 6,138 (14,079) - Taxes paid (2,318) (2,994) Net cash from/(used in) operating activities (9,335) 10,391 Interest received 200 219 Proceeds from sale of property, plant and equipment 0 995 Proceeds from sale of investments 2,250 0 Dividends received from associated companies 323 42 Payments for acquisition of property, plant and equipment & intangible assets (10,453) (6,756) Net cash from/(used in) investing activities (7,679) (5,500) Interest paid (3,115) (3,565) Proceeds from loans and borrowings 13,342 5,420 Repayment of loans and borrowings (5,800) (8,222) Payment of lease liabilities (2,178) (2,143) Acquisition of own shares 0 (520) Acquisition of non-controlling interest 0 (156) Dividends paid to non-controlling interest (190) 10 Net cash from/(used in) financing activities 2,058 (9,176) Net increase (decrease) in cash and cash equivalents (14,956) (4,285) Cash and cash equivalents on 1 January 25,139 21,737 Effect of movements in exchange rates on cash held (157) (727) Cash and cash equivalents on 30 June 10,027 16,726
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27 AUSTRIACARDHOLDINGS H1 2026 Results Presentation Reclassification of Revenues by Solution From Q1 2026 onwards revenues associated with Identity & Payment solutions include revenues related to the distribution services of personalized cards (fulfillment), which were previously classified within Document Lifecycle Management. This reclassification accurately reflec ts revenues related to the Group’s Payment solutions. The table below presents the details of the reclassification for each reporting period in 2025. Revenues by Solution in € million Q1 2025 H1 2025 9M 2025 FY2025 Q1 2026 H1 2026 Identity & Payment 52.7 104.1 159.5 222.3 56.5 117.6 Document Lifecycle Management 22.6 44.4 80.4 103.7 19.7 39.8
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28 AUSTRIACARDHOLDINGS H1 2026 Results Presentation AUSTRIACARD HOLDINGS Lamezanstrasse 4-8 1230 Vienna, Austria www.austriacard.com Investor Relations Tel AU: +43 (1) 61065 357 Tel GR: +30 210 669 78 60 investors@austriacard.com