Manx Financial Group Plc · LSE:MFX
Manx Financial — Investor Presentation (April 2026)
17 slides from Manx Financial's investor presentation, April 2026
Slide 1: Scaling Growth, Expanding Opportunity
Scaling Growth, Expanding Opportunity
Slide 2: Presentation disclaimer
‘This presentation (the “Presentation”) has been prepared ‘by Manx Financial Group Plc (“MFG” or the “Company”. ‘This Presentation contains general and background information about MFG's activites current as atthe date of the Presentation, and [i] does not purport to be complete; and fi) should not
Slide 3: Slide 3
Slide 4: Who We Are
WHO WE ARE Founded in 1935 and domiciled on the Isle of Man, we are a proudly independent banking and financial services group with over 90 years of expertise in serving commercial and retail customers. 4
Slide 5: Meet the Board
MEET THE BOARD JIM MELLON DENHAM EKE DOUGLAS GRANT JAMES SMEED Executive Chairman Executive Vice Chairman Chief Executive Officer Group Finance Director Our team brings proven leadership, financial acumen, and entrepreneurial expertise to identify, scale, and manage high -growth opportunities. Backe
Slide 6: Group Financial Highlights
GROUP FINANCIAL HIGHLIGHTS BALANCE PROFIT RETURN ADVANCES BASIC EPS SHEET BEFORE TAX ON EQUITY £176.2m £507.3m 3.11p £4.1m 19.0% +3.46% +1.01% +50.24% +17.14% +42.86% H1 2024: £170.3m H1 2024: £502.2m H1 2024: 2.07p H1 2024: £3.5m H1 2024: 13.3% Highlights for the period, 6 months ended 30 June 2025
Slide 7: MFG Shares at a Glance
MFG SHARES AT A GLANCE MANX FINANCIAL SHARE PROFIT SHARES NAV GROUP PLC PRICE BEFORE TAX IN ISSUE AIM:MFX 23.5 GBp £4.1m 119.71m £41.20m CLOSING 20 MARCH 2026 (H1 2024: £3.5m) (H1 2024: £36.70m) MARKET EARNINGS FREE DISCOUNT CAP MULTIPLE FLOAT TO NAV £28.89m 3.52x 52.65m 29.9% CLOSING 20 MARCH 2026
Slide 8: Valuation
VALUATION High returns in a low -risk jurisdiction. • Manx generates a higher return on tangible equity than UK -focused banks • The strong RoTE supports a high level of organic growth without needing to resort to external capital providers • Valuation does not reflect its strong characteristics, wi
Slide 9: Our Main Operating Subsidiaries
OUR MAIN OPERATING SUBSIDIARIES Our entrepreneurial subsidiary currently Provides a variety of financial products, Payment Assist is the UK’s leading holds 100% of the issued share capital of services, and facilities to the Isle of Man and automotive repair point -of-sale seven companies. the UK con
Slide 10: Conister Bank
CONISTER BANK • Fully licensed bank in both IOM and UK • The majority of lending is in the UK (SMEs) • Facility sizes: £1 - £100m • Maximum individual exposure: £2.0m LOAN BOOK LOAN / DEPOSIT NET LENDING NET INTEREST GROWTH RATIO RATE MARGIN £408.5m 92.8% 10.4% 53% % lending split IOM:UK H1 2025 31/
Slide 11: Conister Bank Growth Plan
CONISTER BANK GROWTH PLAN MFG's strategy is to combine organic growth with strategic acquisition to further augment the range of services it offers and to gain greater market share in its preferred markets. UK UK UK MARKET SIZE MARKET SHARE MARKET £15.7bn 36% 350 SME only Non -Bank Lenders Licensed
Slide 12: Manx Ventures
MANX VENTURES Additional value not fully priced in. H1 2025 CURRENT HOLDINGS DIVIDENDS VENTURES • 100% of the issued share capital in 7 £0.7m companies • Options to increase shareholdings in another 4 companies 12
Slide 13: Manx Ventures Growth Plan
MANX VENTURES GROWTH PLAN INORGANIC 2026 AND & ACQUISITION BEYOND • Acquiring businesses in preferred • Invest in new direct products sectors • Conister Overdraft Product • Replacing more expensive debt • Premium Finance to support GI with ours (instant bottom -line • Fintech to access the consumer
Slide 14: Payment Assist
PAYMENT ASSIST • The UK's leading automotive repair point -of-sale finance provider, offering diversified lending, including insured products and retail • Provides access to high -yielding, secure credit markets • FCA regulated for consumer credit FY 2025 CUSTOMER NEW KEY PARTNER DISTRIBUTION ADVANC
Slide 15: Payment Assist Growth Plan
PAYMENT ASSIST GROWTH PLAN Building for scale, regulation and expansion… MARKET PLATFORM GROWTH OPPORTUNITY EXPANSION GOVERNANCE • FCA regulation (July £4.39bn • New collections system (Q1 2026) 2026) – well prepared UK Gross funding opportunity • Additional funding line coming PAL Market • Irish Co
Slide 16: Why Invest Now?
WHY INVEST NOW? ECONOMIC COMPETITIVE POSITION SHARES ENVIRONMENT Bank of England rates Hugely liquid UK small cap sector expected to be held undervalued - or increased Double -digit growth historically low Ongoing cost -of- High -margin lending Consistent dividend living crisis mode policy Market si
Slide 17: Thank you.
Thank you. Manx Financial Group PLC Douglas Grant Group CEO douglas.grant@mfg.im Investor Relations mfg@tavistock.co.uk mfg.im
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