Slides
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Financial results for Q3’2025 And Business Update 24th October 2025
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3 Q3’25 – Highlights ▪ Payment EBIT impacted by (non-cash) write-offs and revenue reversals in India and UAE: -7.5mE ▪ Current operations delivered solid EBIT growth - adjusted for one-offs ▪ Payment slowdown, driven by: ▪ Enterprise eComm revenue decline in Turkey (major 2 banks insource transactions) ▪ Weak performance in India and UAE ▪ Lower deliveries in POS-RS and ATM-RS (only Q3) ▪ A stronger quarter for direct to merchant lines (ECR and IPD) ▪ Significant improvement of EBIT in Dedicated Solutions mainly thanks to deliveries of own solutions to utilities ▪ Very good performance of Banking in Core and Channels business lines thanks to own services ▪ YoY cash flow improved, with strong LTM conversion ▪ Q3 transactions: 558m (-7%) eCommerce transactions, 135m (+53%) IPD transactions, 156m (+23%) processing of physical card transactions
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4 Q3’2025 results
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5 Q3’25 – Results affected by one-offs Acquisitions effect – Rev: -5.0 | EBIT: -8.7 | EBITDA: -6.7 | NPAT: -9.8 No hyper. – excluding hyperinflation accounting. mEUR mPLN Q3 2025 Q3 2024 Q3 2025 no hyper. Q3 2024 no hyper. % Diff Q3 2025 Q3 2024 Q3 2025 no hyper. Q3 2024 no hyper. % Diff Revenue 102.5 103.7 101.5 103.8 -2% 437.2 444.8 433.0 444.9 -3% EBITDA 19.0 20.8 18.7 20.8 -10% 80.9 89.1 79.8 89.4 -11% EBIT 10.8 14.9 10.8 15.1 -29% 46.3 64.0 46.0 64.9 -29% NPAT 8.7 13.1 7.9 12.4 -37% 37.3 56.0 33.6 53.2 -37% EBITDA % 18.5% 20.0% 18.4% 20.1% 18.5% 20.0% 18.4% 20.1% EBIT % 10.6% 14.4% 10.6% 14.6% 10.6% 14.4% 10.6% 14.6% EBIT non-IFRS 13.6 16.3 13.6 16.3 -17% 58.1 69.9 58.1 69.9 -17% NPAT non-IFRS 9.5 12.8 9.5 12.8 -26% 40.4 54.8 40.4 54.8 -26%
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6 Q3’25 – Impact of one-offs [mEUR] Acquisitions effect – Rev: -0.9 | EBIT: -1.2 | EBITDA: -0.9 | NPAT: -1.3 No hyper. – excluding hyperinflation accounting. Adjusted Reported mEUR Q3 2025 Q3 2024 Q3 2025 no hyper. Q3 2024 no hyper. % Diff Q3 2025 no hyper. Revenue reversal Assets write-off PPA write-off Goodwill write-off and earnout Total One-Offs Revenue 102.5 103.7 105.5 103.8 +2% 101.5 4.1 4.1 EBITDA 19.0 20.8 24.4 20.9 +17% 18.7 4.1 1.7 5.7 EBIT 10.8 14.9 18.3 15.1 +21% 10.8 4.1 1.7 1.8 7.5 NPAT 8.7 13.1 12.5 12.4 +1% 7.9 4.1 3.1 1.3 -3.9 4.6 EBITDA % 19% 20% 23% 20% 18% EBIT % 11% 14% 17% 15% 11% EBIT non-IFRS 13.6 16.3 19.3 16.3 +19% 13.6 4.1 1.7 5.7 NPAT non-IFRS 9.5 12.8 16.6 12.8 +30% 9.5 4.1 3.1 7.2 One-offsReported
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7 Q3’25 – Impact of one-offs [mPLN] Acquisitions effect – Rev: -3.9 | EBIT: -5.3 | EBITDA: -3.9 | NPAT: -5.4 No hyper. – excluding hyperinflation accounting. Adjusted Reported mPLN Q3 2025 Q3 2024 Q3 2025 no hyper. Q3 2024 no hyper. % Diff Q3 2025 no hyper. Revenue reversal Assets write-off PPA write-off Goodwill write-off and earnout Total One-Offs Revenue 437.2 444.8 450.4 444.9 +1% 433.0 17.4 17.4 EBITDA 80.9 89.1 104.3 89.4 +17% 79.8 17.4 7.1 24.5 EBIT 46.3 64.0 78.0 64.9 +20% 46.0 17.4 7.1 7.5 32.0 NPAT 37.3 56.0 53.3 53.2 +0% 33.6 17.4 13.1 5.7 -16.5 19.7 EBITDA % 19% 20% 23% 20% 18% EBIT % 11% 14% 17% 15% 11% EBIT non-IFRS 58.1 69.9 82.5 69.9 +18% 58.1 17.4 7.1 24.5 NPAT non-IFRS 40.4 54.8 70.9 54.8 +29% 40.4 17.4 13.1 30.5 One-offsReported
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8 Q3’25 – Strong Dedicated and Banking (excl. one offs) mEUR Q3 2025 Q3 2024 Diff Q3 2025 Q3 2024 Diff Q3 2025 Q3 2024 Diff Payment Solutions 53.2 56.5 -3.3 13.3 15.6 -2.3 9.2 11.8 -2.7 Non-Payment 52.3 47.2 +5.1 11.1 5.2 +5.9 9.1 3.3 +5.8 Banking Solutions 19.8 16.0 +3.8 6.0 3.9 +2.1 5.3 3.2 +2.1 Dedicated Solutions 32.5 31.2 +1.3 5.1 1.4 +3.7 3.8 0.1 +3.7 GASEE 105.5 103.8 +1.8 24.4 20.8 +3.6 18.3 15.1 +3.1 Revenue EBITDA EBIT Payment Solutions 50% (54%)Banking Solutions 19% (15%) Dedicated Solutions 31% (30%) Revenue per BUs Q3 2025 27% 17% 12% 20% 21% 0% BANKING SOLUTIONS PAYMENT SOLUTIONS DEDICATED SOLUTIONS Profitability per BU Q3 2025 Q3 2024
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9 POS 55% (52%) eCommerce 13% (13%) Processing 3% (4%) ** Q3’25 – ECR and IPD revenues growth (excl. one offs) mEUR Q3 2025 Q3 2024 Diff ECR + IPD 6.8 5.0 +1.8 eComm. + Proc. 15.1 16.0 -1.0 ATM (incl. IAD) 11.0 14.4 -3.4 POS 20.3 21.1 -0.8 Payment 53.2 56.5 -3.3 Revenue ECR + IPD 16% (9%) eComm. + Proc. 34% (43%)ATM (incl. IAD) 22% (23%) POS 28% (25%) EBIT per BUs Q3 2025
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10 Q3’25 – Strong SEE, CEE, weak India, MEA and Turkey (excl. one offs) * Other entities include: Albania, Bulgaria, Kosovo, Montenegro, Slovenia mEUR Q3 2025 Q3 2024 Diff % Diff Q3 2025 Q3 2024 Diff % Diff SEE 66.4 57.9 +8.5 +15% 15.5 10.7 +4.7 +44% B&H 13.8 7.8 +6.0 +77% 5.0 0.8 +4.3 >+300% Croatia 16.0 15.4 +0.6 +4% 3.5 3.8 -0.3 -7% Macedonia 4.8 3.5 +1.3 +37% 1.3 0.6 +0.6 +101% Serbia 24.0 23.3 +0.7 +3% 3.6 3.4 +0.1 +4% Other* 7.8 7.9 -0.0 -1% 2.1 2.1 +0.0 +0% CEE 15.9 18.3 -2.4 -13% 1.1 0.5 +0.6 +107% WE 12.8 13.3 -0.5 -4% 1.5 1.8 -0.3 -16% MEA 0.2 0.5 -0.3 -58% -0.7 0.0 -0.7 TURKEY 10.2 12.0 -1.8 -15% 1.9 2.7 -0.8 -30% INDIA 0.2 1.3 -1.2 -88% -0.2 0.5 -0.8 LATAM 2.6 2.6 +0.0 +2% 0.3 0.1 +0.2 +214% Adj. PPA 0.0 0.0 +0.0 -1.1 -1.2 +0.1 Adj. IC eliminations -2.7 -2.1 -0.5 0.0 -0.1 +0.1 GASEE 105.5 103.8 +1.8 +2% 18.3 15.1 +3.1 +21% Revenue EBIT
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11 Q1-3’2025 results
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12 Q1-3’25 – Results affected by one-offs mEUR mPLN Q1-3 2025 Q1-3 2024 Q1-3 2025 no hyper. Q1-3 2024 no hyper. % Diff Q1-3 2025 Q1-3 2024 Q1-3 2025 no hyper. Q1-3 2024 no hyper. % Diff Revenue 298.3 281.1 297.9 279.3 +7% 1,263.9 1,209.5 1,262.0 1,201.5 +5% EBITDA 55.2 53.4 55.1 53.1 +4% 234.0 229.8 233.5 228.4 +2% EBIT 34.4 35.9 34.8 36.1 -4% 145.7 154.6 147.2 155.3 -5% NPAT 27.5 33.6 25.0 29.3 -15% 116.7 144.6 105.8 126.1 -16% EBITDA % 18.5% 19.0% 18.5% 19.0% 18.5% 19.0% 18.5% 19.0% EBIT % 11.5% 12.8% 11.7% 12.9% 11.5% 12.8% 11.7% 12.9% EBIT non-IFRS 40.3 39.4 40.3 39.4 +2% 170.7 169.4 170.7 169.4 +1% NPAT non-IFRS 28.9 31.9 28.9 31.9 -10% 122.5 137.4 122.5 137.4 -11% Acquisitions effect – Rev: 0.3 | EBIT: -8.9 | EBITDA: -6.0 | NPAT: -9.8 No hyper. – excluding hyperinflation accounting. Total loss on disposal of shares in Mobven treated as no hyper
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13 Q1-3’25 – Impact of one-offs [mEUR] Acquisitions effect – Rev: 1.9 | EBIT: -4.0 | EBITDA: -2.8 | NPAT: -3.9 No hyper. – excluding hyperinflation accounting. Total loss on disposal of shares in Mobven treated as no hyper Adjusted Reported mEUR Q1-3 2025 Q1-3 2024 Q1-3 2025 no hyper. Q1-3 2024 no hyper. % Diff Q1-3 2025 no hyper. Revenue reversal Assets write-off PPA write-off Goodwill write-off and earnout Total One-Offs Revenue 298.3 281.1 299.4 279.3 +7% 297.9 1.6 1.6 EBITDA 55.2 53.4 58.3 53.1 +10% 55.1 1.6 1.7 3.2 EBIT 34.4 35.9 39.7 36.1 +10% 34.8 1.6 1.7 1.8 5.0 NPAT 27.5 33.6 26.8 29.3 -9% 25.0 1.6 3.1 1.3 -4.2 1.8 EBITDA % 19% 19% 19% 19% 19% EBIT % 12% 13% 13% 13% 12% EBIT non-IFRS 40.3 39.4 43.5 39.4 +10% 40.3 1.6 1.7 3.2 NPAT non-IFRS 28.9 31.9 33.5 31.9 +5% 28.9 1.6 3.1 4.6 One-offsReported
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14 Q1-3’25 – Impact of one-offs [mPLN] Acquisitions effect – Rev: 7.8 | EBIT: -16.9 | EBITDA: -11.8 | NPAT: -16.6 No hyper. – excluding hyperinflation accounting. Total loss on disposal of shares in Mobven treated as no hyper Adjusted Reported mPLN Q1-3 2025 Q1-3 2024 Q1-3 2025 no hyper. Q1-3 2024 no hyper. % Diff Q1-3 2025 no hyper. Revenue reversal Assets write-off PPA write-off Goodwill write-off and earnout Total One-Offs Revenue 1,263.9 1,209.5 1,268.6 1,201.5 +6% 1,262.0 6.6 6.6 EBITDA 234.0 229.8 247.1 228.4 +8% 233.5 6.6 7.0 13.6 EBIT 145.7 154.6 168.3 155.3 +8% 147.2 6.6 7.0 7.5 21.0 NPAT 116.7 144.6 113.4 126.1 -10% 105.8 6.6 13.0 5.6 -17.6 7.6 EBITDA % 19% 19% 19% 19% 19% EBIT % 12% 13% 13% 13% 12% EBIT non-IFRS 170.7 169.4 184.2 169.4 +9% 170.7 6.6 7.0 13.6 NPAT non-IFRS 122.5 137.4 142.0 137.4 +3% 122.5 6.6 13.0 19.6 One-offsReported
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15 Q1-3’25 – Recovery of DS and good Banking (excl. one offs) mEUR Q1-3 2025 Q1-3 2024 Diff Q1-3 2025 Q1-3 2024 Diff Q1-3 2025 Q1-3 2024 Diff 141 135 6 24 16 8 18 9 8 Payment Solutions 158.6 144.1 +14.5 34.3 37.4 -3.2 22.0 26.8 -4.8 Non-Payment 140.8 135.1 +5.6 24.1 15.7 +8.4 17.7 9.3 +8.4 Banking Solutions 56.8 49.7 +7.1 15.7 13.4 +2.3 13.5 11.2 +2.4 Dedicated Solutions 84.0 85.4 -1.4 8.4 2.3 +6.1 4.2 -1.8 +6.0 GASEE 299.4 279.3 +20.2 58.3 53.1 +5.2 39.7 36.1 +3.6 Revenue EBITDA EBIT Payment Solutions 53% (52%)Banking Solutions 19% (18%) Dedicated Solutions 28% (31%) Revenue per BUs Q1-3 2025 24% 14% 5% 22% 19% -2% BA N K I N G S O L U TIO NS P A Y M E N T S O L U TI ONS DE DI C A TE D S O LU TI ONS Profitability per BU Q1-3 2025 Q1-3 2024
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16 POS 55% (52%) eCommerce 13% (13%) ATM 29% (31%) Processing 3% (4%) ** Q1-3’25 – Growth of revenues in all lines (excl. one offs) mEUR Q1-3 2025 Q1-3 2024 Diff ECR + IPD 17.5 13.1 +4.4 eComm. + Proc. 44.6 40.2 +4.4 ATM (incl. IAD) 37.1 34.9 +2.2 POS 59.4 55.9 +3.5 Payment 158.6 144.1 +14.5 Revenue ECR + IPD 14% (10%) eComm. + Proc. 36% (46%)ATM (incl. IAD) 19% (17%) POS 31% (27%) EBIT per BUs Q1-3 2025
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17 Q1-3’25 – Strong SEE, CEE, weaker Turkey&WE, issues in MEA&India * Other entities include: Albania, Bulgaria, Kosovo, Montenegro, Slovenia mEUR Q1-3 2025 Q1-3 2024 Diff % Diff Q1-3 2025 Q1-3 2024 Diff % Diff SEE 186.0 164.2 +21.8 +13% 33.1 24.3 +8.9 +37% B&H 31.1 19.9 +11.1 +56% 8.5 1.3 +7.2 >+300% Croatia 47.1 42.0 +5.1 +12% 7.9 7.0 +0.9 +12% Macedonia 13.6 10.0 +3.6 +36% 2.6 1.7 +1.0 +58% Serbia 71.6 71.3 +0.3 +0% 10.0 10.4 -0.4 -4% Other* 22.6 21.0 +1.6 +8% 4.1 3.9 +0.2 +6% CEE 42.9 45.2 -2.3 -5% 2.6 1.2 +1.5 +129% WE 38.5 34.3 +4.1 +12% 3.8 5.1 -1.3 -26% MEA 2.1 0.7 +1.4 +215% -1.0 0.0 -1.0 TURKEY 31.2 32.6 -1.4 -4% 6.3 8.1 -1.8 -22% INDIA 0.3 1.3 -1.1 -80% -1.9 0.5 -2.4 LATAM 7.1 7.4 -0.3 -4% 0.8 0.5 +0.4 +78% Adj. PPA 0.0 0.0 +0.0 -3.8 -3.3 -0.5 Adj. IC eliminations -8.6 -6.4 -2.2 -0.3 -0.2 -0.1 GASEE 299.4 279.3 +20.2 +7% 39.7 36.1 +3.6 +10% Revenue EBIT Data excl. one-offs
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18 Cashflow and liquidity
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Cashflow * EBITDA, EBIT excluding hyperinflation impact and one-offs mEUR Q3 2025 LTM 2024 2023 2025 Q1-3 2024 Q1-3 Operating cash flow 74.0 47.8 70.5 38.9 12.7 - Infrastructure for outsourcing & own networks -15.0 -13.6 -7.8 -10.3 -8.9 - Capitalized R&D 0.0 0.0 -0.1 0.0 0.0 - M&A -5.4 -21.1 -18.2 -5.4 -21.1 - Other CAPEX -7.9 -7.7 -7.6 -4.2 -4.0 - Dividends for minority shareholders -2.3 -2.6 -2.4 -1.5 -1.7 Free Cash Flow 43.4 2.8 34.4 17.6 -23.0 Debt Increase 9.5 25.7 7.1 6.9 23.1 Debt Service -20.4 -21.1 -12.7 -13.4 -14.0 Total Cash Flow 32.4 7.4 28.8 11.1 -13.9 Oper CF/EBITDA* 93% 65% 101% 67% 24% Adjusted Oper CF/EBITDA* 93% 76% 89% 67% 39% FCF/EBIT* 79% 5% 68% 44% -64%
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20 Liquidity situation mEUR 30 Sep'25 2024 YE Diff 30 Sep'24 Cash and equivalents 53.2 63.5 -10.3 47.2 Loans (ST) -17.7 -18.0 +0.3 -23.6 Lease (ST) -5.0 -4.1 -0.9 -4.1 Dividends (ST) -0.9 -0.9 +0.0 -1.1 M&A liabilities (ST) -29.7 -10.1 -19.7 -17.2 Net Cash (ST) -0.1 30.4 -30.5 1.0 Net Cash (ST) + Loans (LT) + Lease (LT) -33.6 -0.9 -32.7 -32.1 Receivables and Prepayments (ST) 136.1 130.6 +5.6 129.0 Liabilities, Provisions and Deferred Income (ST) -115.4 -124.1 +8.7 -108.3 Inventory 16.7 25.7 -9.0 23.6 Net Operating Assets 37.3 62.6 -25.3 45.3
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21 Outlook for 2025
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22 ASEE + Payten mEUR Q4 2025F Q4 2024F % Diff Revenues BL 102.8 86.9 +18% Margin1 BL 78.5 65.3 +20% 78.5 65.3 0 10 20 30 40 50 60 70 80 90 Q4 2025F Q4 2024F +20% mEUR 2025F 2024F % Diff Revenues BL 397.6 359.9 +10% Margin1 BL 302.9 266.9 +13% 302.9 266.9 0 50 100 150 200 250 300 350 2025F 2024F +13% * backlog data from October 2025 and October 2024 respectively backlog data excluding hyperinflation effect
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23 ASEE – Banking and Dedicated Solutions mEUR Q4 2025F Q4 2024F % Diff Revenues BL 61.5 49.8 +23% Margin1 BL 41.4 30.4 +36% 41.4 30.4 0 5 10 15 20 25 30 35 40 45 Q4 2025F Q4 2024F +36% mEUR 2025F 2024F % Diff Revenues BL 203.7 184.9 +10% Margin1 BL 146.0 121.1 +21% 146.0 121.1 0 20 40 60 80 100 120 140 160 2025F 2024F +21% * backlog data from October 2025 and October 2024 respectively backlog data excluding hyperinflation effect
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24 Payten mEUR Q4 2025F Q4 2024F % Diff Revenues BL 41.3 37.1 +11% Margin1 BL 37.1 35.0 +6% 37.1 35.0 0 5 10 15 20 25 30 35 40 Q4 2025F Q4 2024F +6% mEUR 2025F 2024F % Diff Revenues BL 193.9 175.0 +11% Margin1 BL 156.9 145.9 +8% 156.9 145.9 0 20 40 60 80 100 120 140 160 180 2025F 2024F +8% * backlog data from October 2025 and October 2024 respectively backlog data excluding hyperinflation effect
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25 Appendixies Q3 Results without one-off adjustment
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26 Q3’25 – Strong Banking and Dedicated Solutions Payment Solutions 48% (54%) Banking Solutions 19% (15%) Dedicated Solutions 32% (30%) Revenue per BUs Q3 2025 27% 3% 12% 20% 21% 0% BA N K I N G S O L U TIO NS P A Y M E N T S O L U TI ONS DE DI C A TE D S O L U TI ONS Profitability per BU Q3 2025 Q3 2024 mEUR Q3 2025 Q3 2024 Diff Q3 2025 Q3 2024 Diff Q3 2025 Q3 2024 Diff 52 47 5 11 5 6 9 3 6 Payment Solutions 49.1 56.5 -7.4 7.6 15.6 -8.0 1.7 11.8 -10.2 Non-Payment 52.3 47.2 +5.1 11.4 5.2 +6.2 9.1 3.3 +5.8 Banking Solutions 19.8 16.0 +3.8 6.0 3.9 +2.1 5.3 3.2 +2.1 Dedicated Solutions 32.5 31.2 +1.3 5.4 1.4 +4.0 3.8 0.1 +3.7 GASEE 101.5 103.8 -2.3 19.0 20.8 -1.8 10.8 15.1 -4.4 Revenue EBITDA EBIT
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27 POS 55% (52%) eCommerce 13% (13%) ATM 29% (31%) Processing 3% (4%) ** mEUR Q3 2025 Q3 2024 Diff ECR + IPD 6.8 5.0 +1.8 eComm. + Proc. 11.0 16.0 -5.1 ATM (incl. IAD) 11.0 14.4 -3.4 POS 20.3 21.1 -0.8 Payment 49.1 56.5 -7.4 Revenue ECR + IPD 88% (9%) eComm. + Proc. -262% (43%) ATM (incl. IAD) 123% (23%) POS 152% (25%) EBIT per BUs Q3 2025 Q3’25 – Revenues growth in ECR and IPD
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28 Q3’25 – Strong SEE, CEE results, weak Turkey, India and MEA * Other entities include: Albania, Bulgaria, Kosovo, Montenegro, Slovenia mEUR Q3 2025 Q3 2024 Diff % Diff Q3 2025 Q3 2024 Diff % Diff SEE 66.4 57.9 +8.5 +15% 15.5 10.7 +4.7 +44% B&H 13.8 7.8 +6.0 +77% 5.0 0.8 +4.3 >+300% Croatia 16.0 15.4 +0.6 +4% 3.5 3.8 -0.3 -7% Macedonia 4.8 3.5 +1.3 +37% 1.3 0.6 +0.6 +101% Serbia 24.0 23.3 +0.7 +3% 3.6 3.4 +0.1 +4% Other* 7.8 7.9 -0.0 -1% 2.1 2.1 +0.0 +0% CEE 15.9 18.3 -2.4 -13% 1.1 0.5 +0.6 +107% WE 12.8 13.3 -0.5 -4% 1.5 1.8 -0.3 -16% MEA 0.2 0.5 -0.3 -58% -1.7 0.0 -1.7 TURKEY 10.2 12.0 -1.8 -15% 1.9 2.7 -0.8 -30% INDIA -3.9 1.3 -5.3 2.5 0.5 +2.0 >+300% LATAM 2.6 2.6 +0.0 +2% 0.3 0.1 +0.2 +214% Adj. PPA 0.0 0.0 +0.0 -2.8 -1.2 -1.7 Adj. IC eliminations -2.7 -2.1 -0.5 0.0 -0.1 +0.1 GASEE 101.5 103.8 -2.3 -2% 18.3 15.1 +3.1 +21% Revenue EBIT
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29 Appendixies Q1-3 Results without one-off adjustment
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30 Q1-3’25 – Growth in Dedicated Solutions and Banking mEUR Q1-3 2025 Q1-3 2024 Diff Q1-3 2025 Q1-3 2024 Diff Q1-3 2025 Q1-3 2024 Diff 141 135 6 24 15 9 18 9 8 Payment Solutions 157.1 144.1 +13.0 31.1 37.4 -6.4 17.0 26.8 -9.7 Non-Payment 140.8 135.1 +5.6 24.1 15.1 +9.0 17.7 9.3 +8.4 Banking Solutions 56.8 49.7 +7.1 15.7 13.4 +2.3 13.5 11.2 +2.4 Dedicated Solutions 84.0 85.4 -1.4 8.4 1.7 +6.6 4.2 -1.8 +6.0 GASEE 297.9 279.3 +18.6 55.1 52.5 +2.6 34.8 36.1 -1.3 Revenue EBITDA EBIT 24% 11% 5% 22% 19% -2% BA N K I N G S O L U TIO NS P A Y M E N T S O L U TI ONS DE DI C A TE D S O LU TI ONS Profitability per BU Q1-3 2025 Q1-3 2024
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31 POS 55% (52%) eCommerce 13% (13%) ATM 29% (31%) Processing 3% (4%) ** Q1-3’25 – Growth of revenues in all lines mEUR Q1-3 2025 Q1-3 2024 Diff ECR + IPD 17.5 13.1 +4.4 eComm. + Proc. 43.0 40.2 +2.9 ATM (incl. IAD) 37.1 34.9 +2.2 POS 59.4 55.9 +3.5 Payment 157.1 144.1 +13.0 Revenue ECR + IPD 18% (10%) eComm. + Proc. 17% (46%) ATM (incl. IAD) 25% (17%) POS 40% (27%) EBIT per BUs Q1-3 2025
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32 Q1-3’25 – Strong SEE, CEE, weaker Turkey&WE, issues in MEA&India * Other entities include: Albania, Bulgaria, Kosovo, Montenegro, Slovenia mEUR Q1-3 2025 Q1-3 2024 Diff % Diff Q1-3 2025 Q1-3 2024 Diff % Diff SEE 186.0 164.2 +21.8 +13% 33.1 24.3 +8.9 +37% B&H 31.1 19.9 +11.1 +56% 8.5 1.3 +7.2 >+300% Croatia 47.1 42.0 +5.1 +12% 7.9 7.0 +0.9 +12% Macedonia 13.6 10.0 +3.6 +36% 2.6 1.7 +1.0 +58% Serbia 71.6 71.3 +0.3 +0% 10.0 10.4 -0.4 -4% Other* 22.6 21.0 +1.6 +8% 4.1 3.9 +0.2 +6% CEE 42.9 45.2 -2.3 -5% 2.6 1.2 +1.5 +129% WE 38.5 34.3 +4.1 +12% 3.8 5.1 -1.3 -26% MEA 2.1 0.7 +1.4 +215% -2.0 0.0 -2.0 TURKEY 31.2 32.6 -1.4 -4% 6.3 8.1 -1.8 -22% INDIA -1.3 1.3 -2.6 -4.1 0.5 -4.6 LATAM 7.1 7.4 -0.3 -4% 0.8 0.5 +0.4 +78% Adj. PPA 0.0 0.0 +0.0 -5.5 -3.3 -2.3 Adj. IC eliminations -8.6 -6.4 -2.2 -0.3 -0.2 -0.1 GASEE 297.9 279.3 +18.6 +7% 34.8 36.1 -1.3 -4% Revenue EBIT
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34 Thank you http:// asee.io
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