Slides
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Presentation of Q3 2026 Results Ásta S. Fjeldsted Magnús Kr. Ingason 29 October 2026
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• Q3 2026 Highlights Q3 2026 Financial Results • Q3 2026 Financial Results Outlook • Outlook
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Consolidated Highlights for Q3 2026 - Satisfactory performance although earnings were below expectations ISK 37.3 bn. ISK 44.3 bn. ISK 47.1 bn. ISK 51.1 bn. Q3 2023 Q3 2024 Q3 2025 Q3 2026 Sale of goods and services ISK 51.1 bn. +8.6% year-on-year 23.0% 24.5% 25.6% 23.3% Q3 2023 Q3 2024 Q3 2025 Q3 2026 Margin from sale 23.3% -2.3 p.p. year-on-year 42.9% 44.6% 43.3% 45.5% Q3 2023 Q3 2024 Q3 2025 Q3 2026 Salaries/Margin from sale 45.5% +2.2 p.p. year-on-year ISK 3.9 bn. ISK 4.7 bn. ISK 5.3 bn. ISK 5.0 bn. Q3 2023 Q3 2024 Q3 2025 Q3 2026 EBITDA ISK 5.0 bn. -6.2% year-on-year 45.5% 43.8% 44.1% 41.9% Q3 2023 Q3 2024 Q3 2025 Q3 2026 EBITDA/Margin from sale 41.9% -2.2 p.p. year-on-year ISK 3.4 bn. ISK 4.6 bn. ISK 6.7 bn. ISK 4.8 bn. Q3 2023 Q3 2024 Q3 2025 Q3 2026 Cash from operating activities ISK 4.8 bn. -27.4% year-on-year 3 Key Operating Results • Operating performance was satisfactory against a challenging external backdrop. • Sales increased 8.6%, driven mainly by groceries and higher fuel prices; adj. growth excluding changes in FX, global fuel prices and fuel levies was 2.1%. • Margin level was 23.3%, down 2.3 p.p. (0.8 p.p. adj.) • EBITDA amounted to ISK 5.0 bn. (-6.2%) and profit ISK 2.3 bn. (-12.9%). • Operating cash flow was ISK 4.8 bn., down 27.4% due to capital tied up in inventory and receivables. • 2026 EBITDA guidance is unchanged at ISK 16.0-16.5 bn.
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+1.5% Q3 2025 Q3 2026 Transactions Units sold Higher Unit Sales and Continued Growth in Digital Channels 4 Digital transactions +4.7% Q3 2025 Q3 2026 -2.8% Q3 2025 Q3 2026 +8.8% Q3 2025 Q3 2026 Fuel litres
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Domestic card turnover Foreign card turnover Card Spending – Growth in Domestic, Decline in Foreign - Fewer tourist arrivals and reduced fuel levies continue to explain the decline in foreign turnover +2.3% Q3 2025 Q3 2026 -6.1% Q3 2025 Q3 2026 5
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Skjáauglýsingar a new part of Festi • Skjáauglýsingarehf. operates one of Iceland’s largest indoor advertising networks. • The company sells advertising space on digital screens at more than 100 locations nationwide, including sports facilities, swimming pools, fitness centres and golf courses. • Skjáauglýsingar has grown rapidly and sees significant opportunities for further growth, including by expanding its network of locations and broadening its offering to advertisers. • The acquisition supports Festi’s strategy of developing new revenue streams and making better use of the Group’s infrastructure and assets. • Festi sees attractive growth opportunities, both within and outside the Group, and believes the acquisition can create substantial value for advertisers, partners and the Group as a whole. • Skjáauglýsingar expects advertising sales of approximately ISK 190 million and EBITDA of approximately ISK 120 million in 2026. Advertising Screens Locations Customers 2026E Sales 2026E EBITDA Employees 140+ 100+ 315+ 190m 120m 2 Sales Bookings Advertising Screens Customers 6
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Opportunity to build one of Iceland’s leading advertising platforms 65 Sports Facilities & Swimming Pools 14 Fitness Centres 21 Golf Courses & Simulators 6 Stores & Other 6 ELKO Electronics Stores 26 Krónan Grocery Stores 40 N1 Service Locations 1 44 Lyfja Pharmacies & Lyfja Heyrn 5 / 5 7 / - 12 / 5 10 / 9 12 / 6 9 / 7 4 / 17 57 / 57 1) Service stations, auto service shops and stores. 220+ locations and 70m+ visits nationwide 7
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ELKO: Q3 2026 Highlights Share Gains Despite Softer Demand • Consumer electronics market contracted 3% year- on-year, while ELKO continued to gain market share. 1 • Transactions increased 0.8% year-on-year. • Units sold increased 1.7%. Snjallgreiðslur In-Store Rollout Online Store Continues to Expand • Refurbishment of ELKO Grandi remains on schedule for reopening ahead of November’s promotional period. • ELKO Lindir will install Iceland’s largest parcel locker in collaboration with Dropp to speed up collections and reduce checkout queues. Preparations for Peak Trading Season 8 • ELKO’s Snjallgreiðslur payment solution will be available in all ELKO stores from November. • Solution has been well received since it was introduced online in Q3 2025. • Snjallgreiðslur now accounts for ~30% of ELKO’s online financing volume. • Online sales increased 15% year-on-year, alongside significant growth in gross profit. • Online transactions rose 16.5%. • Online sales accounted for 30% of sales outside the airport security zone, up from 25% in Q3 2025. 1) According to market data from Meniga.
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Krónan: Q3 2026 Highlights 9 Continued Momentum • In-store transactions increased 4.4% year-on-year. • Online-store transactions increased 34.3%. • Units sold increased 5.6% overall and 38.5% online. Price Freeze Through Year-End Launch of New B2B Service • Construction of Krónan’s new store in Höfn is nearing completion, with opening planned for the second half of Q4 2026. • The store will be Krónan’s 27th, further strengthening its presence outside Iceland’s capital region. New Store Opening in Höfn • B2B sales have been growing and represent a significant opportunity for Krónan. • New B2B service simplifies purchasing and gives businesses of all sizes greater visibility into orders, invoices and spending authorisations. • Krónan has frozen prices on 647 products across categories. • Initiative aims to support price stability and ease inflationary pressures. • Freeze took effect on 24 September and runs at least through year-end 2026.
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Lyfja: Q3 2026 Highlights Well Positioned in a Competitive Market • Transactions increased 1.2% year-on-year and units sold 2.3%. • Digital sales increased 14%. • Lyfja’s NPS continued to improve and remains strong relative to the pharmacy market. 1 New Vaccination Agreement New Pharmacy in Hafnarfjörður • Lyfja introduced Dosell automated medication dispenser rentals. • Dosell dispenses medicine on schedule and can notify relatives or carers. • Lyfja sees further opportunities in dose dispensing and other home-based services. Seizing Opportunities in Home-Based Care 10 • Lyfja signed an agreement with Iceland Health to vaccinate priority groups against influenza and pneumonia. • Vaccinations will be offered at most Lyfja pharmacies, with health authorities and primary care centres referring eligible patients. • Lyfja opened a new pharmacy at Norðurhella in Hafnarfjörður on 11 September. • New pharmacy is Lyfja’s 45th service location and is located in the same building as Krónan, near a large and growing residential area. 2 1) According to market research by Gallup. 2) Lyfja‘s service network includes 43 pharmacies, Lyfja Heyrn and Lyfjalausnir.
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N1: Q3 2026 Highlights 11 • Operational measures have delivered results, with EBITDA more than doubling year-on-year in the first nine months of 2026. • Transactions increased 1.5% and units sold 21.8% year-on-year in Q3 2026. • N1 sees further opportunities to simplify operations and improve utilisation. Improved Car Services Division Stable Sales Volumes • Units sold remained stable year-on-year. • Fuel volumes declined 2.8%, primarily due to lower B2B sales. Volumes at service stations and self-service sites increased 1.9%. • External conditions remained challenging, keeping margins under pressure. • EBITDA more than doubled year-on-year in the first nine months of 2026. • Strong growth in B2B sales, particularly among larger customers. • Fast-charging has also been gaining momentum and grew by nearly 75% year-on-year. Energy Divison Growing Strongly N1 Takes Full Ownership of Local • N1 acquired the remaining 30% stake in Local, after acquiring 70% in Q1 2026. • Local operates five healthy fast-food restaurants. • Full ownership creates opportunities to strengthen Local’s operations and capture additional integration synergies with the Group.
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• Q3 2026 Highlights Q3 2026 Financial Results • Q3 2026 Financial Results Outlook • Outlook
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Amounts are in ISK million Q3 2026 Q3 2025 Change % Change Sale of goods and services 51,147 47,093 4,054 8.6% Margin from sale of goods and services 11,901 12,057 (156) -1.3% Lease revenue and operating income 600 545 56 10.2% Salaries and personnel expenses (5,409) (5,225) (184) 3.5% Other operating expenses (2,104) (2,057) (47) 2.3% EBITDA 4,988 5,319 (331) -6.2% EBIT 3,459 3,796 (337) -8.9% Profit for the period 2,309 2,651 (342) -12.9% Key Figures EBITDA/Margin from sales 41.9% 44.1% -2.2 p.p. -5.0% Salaries/Margin from sales 45.5% 43.3% +2.2 p.p. 4.9% Earnings per share 7.51 8.52 -1.01 -11.9% Group Operations in Q3 2026 • Sales of goods and services increased by ISK 4.1 billion, or 8.6% year-on-year and 2.1% excluding the impact of changes in FX, global fuel prices (GFP) and fuel levies. • Margin from sales was ISK 11.9 billion, down ISK 0.2 billion, or 1.3% year-on-year. • Margin level was 23.3%, down 2.3 p.p. year-on-year and 0.8 p.p. excluding changes in FX, GFP and fuel levies. • Salaries and personnel expenses were ISK 5.4 billion, up ISK 0.2 billion, or 3.5% year-on-year. • Full-time equivalents were 1,785 during the quarter, up by 29, or 1.7% year-on-year. • Other operating expenses increased by ISK 47 million, or 2.3% year-on-year. • EBITDA was ISK 5.0 billion, down 6.2% year-on-year. • Profit for the quarter was ISK 2.3 billion, down ISK 342 million year-on-year. 13 34.5% 36.8% 36.3% 35.2% >35% Q3 2023 Q3 2024 Q3 2025¹ Q3 2026 Target 9.3% 11.9% 13.2% 12.2% >12% Q3 2023 Q3 2024 Q3 2025¹ Q3 2026 Target EBITDA/margin (12m underlying) 1 Return on equity (12m underlying) 1 1) Q3 2025 adjusted for ISK 750 million administrative fine recognised in Q4 2024
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ISK 4.3 bn ISK 5.1 bn ISK 5.6 bn ISK 6.1 bn 23.2% 24.3% 24.1% 24.3% ISK 0.8 bn ISK 0.9 bn ISK 1.0 bn ISK 1.0 bn 33.1% 36.0% 38.7% 37.7% Q3 2023 Q3 2024 Q3 2025 Q3 2026 ISK 0.9 bn ISK 1.0 bn ISK 1.0 bn 28.0% 25.9% 25.2% ISK 8.6 bn ISK 10.8 bn ISK 12.1 bn ISK 11.9 bn 23.0% 24.5% 25.6% 23.3% Q3 2023 Q3 2024 Q3 2025 Q3 2026 Margin - ISK Margin - % Margin From Sales in Q3 2026 • Sales increased across all product categories except electronics. • Total margin from sales amounted to ISK 11.9 billion, down 1.3% year-on-year. • Margin level was 23.3%, down 2.3 p.p. year-on-year and 0.8 p.p. excluding changes in FX, GFP and fuel levies. • Margin level declined in all categories except groceries. Fuel was most impacted due to significantly higher procurement costs. • Margin from sales increased by 8.5% in groceries, decreased by 20.3% in fuel and electricity, decreased by 3.5% in electronics, increased by 5.4% in medicines, and decreased by 1.0% in other goods and services. 14 Grocery and convenience goods ISK 2.4 bn ISK 2.6 bn ISK 3.1 bn ISK 2.4 bn 19.5% 21.0% 24.8% 17.0% Fuel and electricity Electronic equipment Prescription and over-the-counter medicines Other goods and services ISK 1.1 bn ISK 1.2 bn ISK 1.4 bn ISK 1.4 bn 25.7% 25.6% 27.3% 26.8% Sales margin
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Salaries and other personnel expenses Q3 2025 5,225 Change in full-time equivalents 84 Contractual wage increases 213 Personnel expenses -39 Other expenses -73 Salaries and other personnel expenses Q3 2026 5,409 +184 m. 5,225 m. 5,409 m. Q3 2025 Q3 2026 Salaries and other personel expenses year-on-year comparison +29 1,756 1,785 Q3 2025 Q3 2026 Full-time equivalents year-on-year comparison Salaries and Other Personnel Expenses in Q3 2026 • Salaries and personnel expenses were ISK 5.4 billion, up ISK 0.2 billion, or 3.5% year-on-year. • FTEs increased by 29, or 1.7% year-on-year. Increase mainly linked to the new refrigerated warehouse at Bakkinn, Krónan’s online store and the new ELKO store in Smáralind. Reduction of FTEs in underlying operations. • Average cost per FTE increased by 1.8% year-on-year. Contractual wage increases amounted to ISK 213 million (3.5% increase effective 1 January 2026). • Excluding the impact of the increase in FTEs, personnel expenses increased by 1.9% year-on-year. 15
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ISK million Q3 2026 Q3 2025 Change % Total revenue 5,142 5,221 (79) -1.5% Total cost (4,637) (4,656) 19 -0.4% EBITDA 506 565 (60) -10.5% EBITDA-ratio 9.8% 10.8% -1.0 p.p. -9.2% EBIT 314 385 (71) -18.4% EBIT-ratio 6.1% 7.4% -1.3 p.p. -17.2% Profit (loss) 237 283 (46) -16.2% Equality award Jafnvægisvogin 2026 Electronics stores Happiest customers in the electronics market ELKO – Q3 2026 Operating Results • Revenue was ISK 5.1 billion, down ISK 79 million, or 1.5% year-on-year. • Margin level decreased by 1.1 p.p. quarter-on-quarter and by 0.8 p.p. year-on-year. • EBITDA was ISK 506 million, down ISK 60 million, or 10.5% year-on-year. • Profit was ISK 237 million, down ISK 46 million, or 16.2% year-on-year. 16 6 2 yrs
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ISK million Q3 2026 Q3 2025 Change % Total revenue 23,061 21,059 2,002 9.5% Total cost (20,971) (19,242) (1,728) 9.0% EBITDA 2,091 1,817 274 15.1% EBITDA-ratio 9.1% 8.6% +0.4 p.p. 5.1% EBIT 1,449 1,198 251 21.0% EBIT-ratio 6.3% 5.7% +0.6 p.p. 10.5% Profit (loss) 1,114 905 208 23.0% Grocery stores Sustainability ace two times running Happiest customers in the grocery market Krónan – Q3 2026 Operating Results • Revenue was ISK 23.1 billion, up ISK 2.0 billion, or 9.5% year-on-year. • Store count remained unchanged year-on-year, while a larger store opened in Reykjanesbær in August 2025 and additional pickup locations were added to the online store over the past twelve months. • Margin level was unchanged quarter-on-quarter but increased by 0.2 p.p. year-on-year. • EBITDA was ISK 2,091 million, up ISK 274 million, or 15.1% year-on-year. • Profit was ISK 1,114 million, up ISK 208 million, or 23.0% year-on-year. 17 26 9 yrs
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ISK million Q3 2026 Q3 2025 Change % Total revenue 5,356 5,056 301 5.9% Total cost (4,944) (4,592) (353) 7.7% EBITDA 412 464 (52) -11.2% EBITDA-ratio 7.7% 9.2% -1.5 p.p. -16.2% EBIT 154 185 (31) -16.8% EBIT-ratio 2.9% 3.7% -0.8 p.p. -21.5% Profit (loss) 112 127 (15) -11.5% Equality award Jafnvægisvogin 2026 Pharmacies and outlets Outstanding Company by Creditinfo 2026 Lyfja– Q3 2026 Operating Results • Revenue was ISK 5.4 billion, up ISK 301 million, or 5.9% year-on-year. • Margin level decreased by 0.1 p.p. quarter-on-quarter and 0.5 p.p. year-on-year. • EBITDA was ISK 412 million, down ISK 52 million, or 11.2% year-on-year. • Profit was ISK 112 million, downISK 15 million year-on-year. 18 45
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ISK million Q3 2026 Q3 2025 Change % Total revenue 18,864 16,935 1,929 11.4% Total cost (16,936) (14,409) (2,527) 17.5% EBITDA 1,928 2,526 (598) -23.7% EBITDA-ratio 10.2% 14.9% -4.7 p.p. -31.5% EBIT 1,095 1,739 (644) -37.0% EBIT-ratio 5.8% 10.3% -4.5 p.p. -43.5% Profit (loss) 680 1,289 (609) -47.2% Fuel dispenser locations Tyre and oil service stations EV charging locations N1 – Q3 2026 Operating Results • Revenue was ISK 18.9 billion, up ISK 1.9 billion year-on-year. • Sales of fuel and electricity increased by ISK 2.0 billion, or 16.5% year-on-year. Fuel volumes declined by 2.8%. • Margin level decreased by 7.0 p.p. year-on-year. Excluding the impact of GFP and FX, the margin level decreased by 2.8 p.p. • EBITDA was ISK 1,928 million, down ISK 598 million, or 23.7% year-on-year, primarily due to lower margins from fuel sales. • Profit amounted to ISK 680 million, down ISK 609 million year-on-year. 19 161190
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ISK million Q3 2026 Q3 2025 Change % Total revenue 1,232 1,133 98 8.7% Total cost (247) (239) (8) 3.3% EBITDA 984 894 90 10.1% EBITDA-ratio 79.9% 78.9% +1.0 p.p. 1.3% EBIT 463 333 130 39.0% EBIT-ratio 37.6% 29.4% +8.2 p.p. 27.9% Profit (loss) 15 (44) 59 - Properties owned by the Group Properties rented out Own use of properties Yrkir– Q3 2026 Operating Results • Revenue amounted to ISK 1.2 billion, up ISK 98 million, or 8.7% year-on-year. • Net operating income (NOI) was ISK 1,044 million, up 9.7% year-on-year from ISK 952 million in Q3 2025. • EBITDA was ISK 984 million, up 10.1% year-on-year. • Fair value gain amounted to ISK 43 million, up ISK 71 million year-on-year • Profit was ISK 15 million, up ISK 59 million year-on-year. 20 99% 90 75%
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Balance sheet has grown by ISK 4.1 bn. year-to-date. • Capex was ISK 5.5 billion during the period. • Increased working capital requirements due to higher global fuel prices. Inventories increased by ISK 2.5 billion and trade receivables by ISK 1.3 billion. • Shareholder distributions amount to ISK 3.6 billion YTD. • Undrawn credit facilities of ISK 2.5 billion at period-end Net interest-bearing debt/EBITDA (12m underlying) 1 Balance Sheet as of 30.09.2026 21 Amounts are in ISK million 30.9.2026 31.12.2025 Change % Operating assets 45,451 43,655 1,796 4.1% Intangible assets 26,529 26,026 503 1.9% Other non-current assets 21,585 19,415 2,170 11.2% Non-current assets 93,565 89,096 4,469 5.0% Inventories 16,683 14,179 2,504 17.7% Trade- and short-term receivables 7,805 6,557 1,248 19.0% Cash and cash equivalents 1,771 5,929 (4,158) -70.1% Current assets 26,259 26,665 (406) -1.5% Total assets 119,824 115,761 4,062 3.5% Equity 48,229 47,684 545 1.1% Interest bearing debt 22,575 24,016 (1,441) -6.0% Lease liabilities 11,546 10,029 1,517 15.1% Deferred tax liabilities 8,467 7,620 846 11.1% Non-current liabilities 42,587 41,666 922 2.2% Interest bearing debt 5,958 3,393 2,565 75.6% Lease liabilities 1,584 1,438 147 10.2% Trade- and short-term liabilities 21,465 21,581 (116) -0.5% Current liabilities 29,007 26,411 2,596 9.8% Total equity and liabilities 119,824 115,761 4,062 3.5% 36.1% 35.7% 39.2% 40.2% 35-40% Q3 2023 Q3 2024 Q3 2025 Q3 2026 Target 3.3 3.1 2.2 2.5 <3,5 Q3 2023 Q3 2024 Q3 2025¹ Q3 2026 Target Equity ratio 1) Q3 2025 adjusted for ISK 750 million administrative fine recognised in Q4 2024
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Working capital build-up reduces operating cash flow • Cash flow from operations was 4.8 billion, down 1.8 billion year-on-year. Higher capital tied up in inventories and receivables explains 1.5 billion of the difference. • Working capital tied up in inventories and receivables has increased by roughly 3 billion year-to-date. • Capex was 2.3 billion during the quarter. • Share repurchases were 0.9 billion and loan repayments 0.8 billion. • Cash at the end of the period was ISK 1.8 bn. Cash Flow Statement for Q3 2026 22 ISK millions Q3 2026 Q3 2025 Change % Cash at the beginning of the period 1,313 5,142 (3,829) -74.5% EBITDA 4,988 5,319 (331) -6.2% Changes in operating items 866 2,201 (1,335) -60.7% Interest and taxes (1,015) (856) (159) 18.6% Cash flows from operating activities 4,839 6,664 (1,825) -27.4% Investments (2,283) (1,192) (1,092) 91.6% Other investing activities 28 25 2 9.7% Investing activities (2,256) (1,166) (1,089) 93.4% Transactions with shareholders (921) (649) (272) 42.0% Transactions with credit institutions (804) (2,807) 2,004 -71.4% Other financing activities (413) (379) (34) 9.0% Financing activities (2,138) (3,835) 1,697 -44.3% FX difference on cash 12 6 6 90.5% Cash at the end of the period 1,771 6,811 (5,040) -74.0% 50.1% 26.3% 60.1% 58.5% >50% 2023 2024 2025 9M 2026 Target Transactions with shareholders/last year profit
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• Q3 2026 Highlights Q3 2026 Financial Results • Q3 2026 Financial Results Outlook • Outlook
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Discussion • Outlook for the business remains positive despite continued economic and geopolitical uncertainty. • The Group will maintain its focus on core operations and cost discipline, while continuing to invest in infrastructure, technology and new service offerings. • All business units are expected to improve earnings in the fourth quarter, except Lyfja which remains under pressure from rising costs and fixed medicine mark-ups, which are regulated by public authorities and were last revised on 1 October 2023. • Financial position remains robust despite the temporary impact on operating cash flow from increased working capital tied up in inventories and trade receivables. • Underlying business remains strong, with significant opportunities to further enhance earnings and profitability. Outlook for 2026 EBITDA & CAPEX Guidance for the Year • EBITDA guidance for 2026 remains unchanged at ISK 16.0– 16.5 billion. • CAPEX guidance for 2026 remains unchanged at ISK 7.5– 8.0 billion. Key Assumptions • Continued tensions in the Middle East have created significant uncertainty. • Commodity prices, including oil, have risen significantly and volatility has increased amid concerns over supply chain disruptions. • Inflation remains high, at around 6%, and is expected to stay elevated through year-end and have a significant impact on product prices and operating expenses across the Group. • Tourist arrivals are expected to continue to decline year-on-year. • The Icelandic króna is expected to remain strong in real terms through year-end. 24
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Shareholders (10 largest) % Lífeyrissjóður verzlunarmanna 15.7 Lífeyrissj.starfsm.rík. A-deild 10.5 Brú Lífeyrissjóður starfs sveit 9.7 Gildi - lífeyrissjóður 7.2 Almenni-Lífsverk lífeyrissjóður 6.6 Birta lífeyrissjóður 4.3 Frjálsi lífeyrissjóðurinn 4.1 Stapi lífeyrissjóður 4.1 Söfnunarsjóður lífeyrisréttinda 2.8 Festa - lífeyrissjóður 2.1 +15.6% 14.4 13.1 13.3 14.6 16.0 20.0 19.9 19.5 18.5 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q2 Q3 2024 2025 2026 125 kr 175 kr 225 kr 275 kr 325 kr 375 kr 0 m. 1,000 m. 2,000 m. 3,000 m. 4,000 m. 5,000 m. 6,000 m. 7,000 m. 8,000 m. 30.9.2024 31.12.2024 31.3.2025 30.6.2025 30.9.2025 31.12.2025 31.3.2026 30.6.2026 30.9.2026 Total volume (L. axis) Closing price (R. axis) Market Information Share price development on Nasdaq OMX Basic earnings per share rolling 12 months (ISK per share) Market information 30.9.2026 31.12.2025 Change Issued shares 306 m. 309 m. -1.0% Price at the end of the period ISK 288 ISK 324 -11.1% Market cap ISK 88,130 M ISK 100,161 M -12.0% Turnover 12m ISK 44,284 M ISK 55,325 M -20.0% Number of shareholders 2,017 1,729 16.7% Basic earnings per share (12M) 18.5 20.0 -7.5% 25
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Thank you •
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All information in this presentation is based on sources which Festi hf. considers reliable at the time of publication, but it cannot be guaranteed that the information is infallible. All information in this presentation is owned by Festi hf. It is not permitted to copy, change or distribute in any way information from this presentation, in part or entirety. This presentation is only intended for information purposes and is not part of, or a basis for, any decisions made by the recipient. Recipients should not interpret information in this presentation as a promise or as instructions. Festi hf. is not obliged to provide recipients of this presentation with further information about the company or to make changes or corrections to the presentation if information upon which it is based changes. Thecompany’s future outlook is dependent on a number of risks and uncertainties which may have the effect that the actual result in the future is considerably different to the scenario described in this presentation. This includes factors such as exchange rates, the global price of fuel, the availability of funding, new legislation coming into effect and the impact of regulators, etc. Festi hf. wishes to point out that recipients of the presentation should not rely on statements contained within in the future since they are only applicable on the date of publication of the presentation. All statements concerning the company’s future prospects are entirely valid with respect to this disclaimer. By receiving this presentation, the recipient agrees that they are bound by the above provisos and limitations. Disclaimers