Fawry For Banking Technology And Electronic Payment · EGX:FWRY

Fawry For Banking Technology And Electronic Payment — Q3 2025 Earnings Presentation

23 slides from Fawry For Banking Technology And Electronic Payment's earnings presentation, Nov 18, 2025

  1. Slide 1: 3Q 2025 Earnings Call

    3Q 2025 Earnings Call November 18,2025 1

  2. Slide 2: Disclaimer

    Disclaimer The information contained in this document is proprietary and confidential to Fawry For Banking Technology And Electronic Payment S.A.E (“Fawry”). You must only use such information for the purposes of discussions with Fawry and you must hold such information in strict confidence and not

  3. Slide 3: Agenda

    AGENDA 3Q 2025 Financial results 01 Dive into 3Q 2025 payments business figures 02 Dive into 3Q 2025 financial services figures 03 Digital growth 04 3

  4. Slide 4: 3Q 2025 Financial Results Highlights

    3Q 2025 Financial Results Highlights 4

  5. Slide 5: Financial KPIs

    Financial KPIs • Revenue growth came at 48% y-o-y in 3Q25 48% • Acceptance business throughput reached EGP 80.7 billion in 3Q25 Y-o-Y revenue growth for 3Q25 • Total loan portfolio almost reached EGP 4.8bn, 2.0x that of 3Q24 58.6% • GP grew by 56% y-o-y, with GP margin reaching 69.8% in 3Q25, the hi

  6. Slide 6: Quarterly throughput reached EGP 253 billion, up 45% y-o-y, with revenue EGP 2.3 billion

    Quarterly throughput reached EGP 253 billion, up 45% y-o-y, with revenue EGP 2.3 billion, 48% up vs. last year Throughput (EGP bn) Quarterly revenue (EGP mn) +45% + +48% + +82% + 253 +77% + 2,294 174 1,546 95 873 3Q23 3Q24 3Q25 3Q23 3Q24 3Q25 6

  7. Slide 7: Financial Services segment and acceptance continue to lead the y-o-y revenue growth

    Financial Services segment and acceptance continue to lead the y-o-y revenue growth Revenue contribution by quarter Contribution to y-o-y growth for 2% 3Q 2025 2% 3% 2% 2% 6% 6% 7% 6% 6% 8% 12% 12% 18% 15% 28% 3% 9% 6% 18% 19% 12% 23% 15% 19% 19% 23% 20% 21% 58% 48% 40% 31% 48% 24% 12% 3Q 2021 3Q 20

  8. Slide 8: Continuous upselling drove gross profit margins up 3.5% vs. last year

    Continuous upselling drove gross profit margins up 3.5% vs. last year Gross profit (EGP mn) Gross profit margin (%) +56% + +3.5% + +84% + 1,601 +2.6% + 70% 1,025 66% 64% 557 3Q23 3Q24 3Q25 3Q23 3Q24 3Q25 8

  9. Slide 9: …leading to improvement in EBITDA margins

    …leading to improvement in EBITDA margins EBITDA (EGP mn) EBITDA margin (%) +68% + +6.7% + +119% 1,345 +10.0% + + 59% 52% 42% 803 366 3Q23 3Q24 3Q25 3Q23 3Q24 3Q25 9

  10. Slide 10: Net income reached EGP 779 Mn, up 63% y-o-y, with Net income margin 33.9%

    Net income reached EGP 779 Mn , up 63% y-o-y, with Net income margin 33.9% Net income (EGP mn) Net income margin (%) +63% + +3.0% + +135% + 779 +7.6% + 33.9% 30.9% 478 23.3% 203 3Q23 3Q24 3Q25 3Q23 3Q24 3Q25 10

  11. Slide 11: Dive into 3Q 2025 payments business figures

    Dive into 3Q 2025 payments business figures 11

  12. Slide 12: Operational KPIs achieved healthy growth, with customers reaching 54.5mn

    Operational KPIs achieved healthy growth, with customers reaching 54.5mn Number of Services Total POS +1% Average Revenue Total Transactions Average Transaction +18% (000s) per Trx +24% +4% (mn) Value +40% (EGP) 543 465 386 4,196 2.9 2.4 333 3,559 522 383 3Q 2024 3Q 2025 3Q 2024 3Q 2025 3Q 2024 3Q 2

  13. Slide 13: ADP continue to grow in double digits

    ADP continue to grow in double digits ADP Throughput ADP Revenue (EGP mn) Contribution to ADP y-o-y revenue growth +24% +14% 9% 548 33% 30% 482 28% 3Q 2024 3Q 2025 3Q 2024 3Q 2025 Telecom ADSL Utilities Others 13

  14. Slide 14: Acceptance and Agent Banking continue to surpass guidance

    Acceptance and Agent Banking continue to surpass guidance Acceptance Revenue Agent Banking Revenue (EGP mn) (EGP mn) +25% +54% 436 483 350 312 3Q 2024 3Q 2025 3Q 2024 3Q 2025 14

  15. Slide 15: Acceptance business continued strong trajectory with Instore and online acceptance growing

    Acceptance business continued strong trajectory with Instore and online acceptance growing at high double digits Revenue from instore Acceptance enabled POS Revenue from Online acceptance (000s) acceptance +51% +2% +57% 364 356 3Q 2024 3Q 2025 3Q 2024 3Q 2025 3Q 2024 3Q 2025 15

  16. Slide 16: Supply Chain revenue grew on the back of increased adoption

    Supply Chain revenue grew on the back of increased adoption Supply Chain Throughput Supply Chain Revenue (EGP mn) +46% +39% 136 93 3Q 2024 3Q 2025 3Q 2024 3Q 2025 16

  17. Slide 17: Dive into 3Q 2025 financial services figures

    Dive into 3Q 2025 financial services figures 17

  18. Slide 18: MSME lending continued strong performance

    MSME lending continued strong performance • Number of MSME loans granted in 3Q25 reached 36k, MSME Finance Loan MSME Finance Revenue up by 133% y-o-y Portfolio (EGP bn) (EGP mn) • Disbursements for MSME loans for 3Q25 reached EGP 942mn up by 16% y-o-y +36% +42% 274 • Average loan portfolio per staff

  19. Slide 19: Other financial services continued to grow, fueled by momentum in BNPL, Prepaid Card and Insurance

    Other financial services continued to grow, fueled by momentum in BNPL, Prepaid Card and Insurance Brokerage Other Financial Services revenue (EGP mn) • Consumer finance (BNPL) gross loan portfolio exceeded EGP 2.45 bn by end of 3Q25 vs. EGP 653 mn 360 • Total spend for the quarter exceeded EGP 1,81

  20. Slide 20: Digital growth

    Digital growth 20

  21. Slide 21: Double digits growth achieved on annualized throughput with downloads exceeding 22 million

    Double digits growth achieved on annualized throughput with total cumulative downloads exceeding 22 million 38.7 EGP Bn Annualized September 2025 22.3 c. Downloads since Mn 2.2 EGP Mn Prepaid Cards Issued as myFawry app throughput June 2019 of September 2025 Up 101% y-o-y Up 41% y-o-y Up 172% y-o-y

  22. Slide 22: Growth in digital transactions was led by mobile wallets, boosting technology-related revenues

    Growth in digital transactions was led by mobile wallets, boosting technology-related revenues Mobile Wallet 1 Mobile Wallet1 Total Digital 2 Total Transactions Transactions +61% Processed value + Transactions +65% +4% (mn) (mn) 43% (EGP bn) (mn) 543 103.1 219 261 153 64.2 158 522 3Q 2024 3Q 2025 3Q

  23. Slide 23: Q&A

    Q&A 23

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