Manx Financial Group Plc · LSE:MFX
Manx Financial — H1 2026 Earnings Presentation
19 slides from Manx Financial's earnings presentation, September 2026
Slide 1: Stronger. Smarter. Capitalised for growth.
Stronger. Smarter. Capitalised for growth. HALF YEAR 2026 RESULTS PRESENTATION
Slide 2: Disclaimer
DI S C LA I MER 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 activities current as at the date of the This Presentation contains both historical facts and state
Slide 3: The MFG Companies
T HE M FG C O M PA N I ES THE MFG COMPANIES Manx Financial Group PLC is a diversified financial services group head-quartered on the Isle of Man, delivering a unique combination of traditional banking, specialist financial services, and strategic investments. H 1 2026 RESULTS PRES E NTAT ION PAGE 3
Slide 4: MFG Leadership
MFG LEA DERS HI P MFG LEADERSHIP Jim Mellon Douglas Grant James Smeed Denham Eke Jenny Quirke Gregory Bailey EXECUTIVE CHAIRMAN CHIEF EXECUTIVE OFFICER GROUP FINANCE DIRECTOR EXECUTIVE VICE CHAIRMAN NON - EXECUTIVE DIRECTOR NON - EXECUTIVE DIRECTOR Extensive global Seasoned financial More than 20+ y
Slide 5: H1 2026 Highlights
HI 2 02 6 HI G HLI G HTS H1 2026 HIGHLIGHTS Resilient Revenue growth Record loan book. Stronger balance Exceptional profitability continues. Gross lending sheet. Total equity liquidity position. despite a tougher Operating income reached an all-time increased to £45.5m Two deposit-taking macroeconom
Slide 6: Financial Performance (At a Glance)
MFG FI N A N C I A L PERFO RM A N C E FINANCIAL PERFORMANCE (AT A GLANCE) Net interest Profit Before Tax Total Comprehensive Basic Earnings Tangible Net Return on Equity income Income Attributable per Share Assets per Share (annualised) £3.4m to Owners £18.8m 2.20p 27.95p 12.30% £2.6m H1 2025: £17.7
Slide 7: Investing for Growth
O PERAT I O N A L I N VES TMEN T INVESTING FOR GROWTH TECHNOLOGY PEOPLE SCALING FOR GROWTH Significant investment continues. MFG continues to invest in its The Group is investing selectively Success from AI-enabled motor people. These investments are in new products, technology finance claims proces
Slide 8: The MFG Core Subsidiaries
T HE M FG C O RE S UBS I DI A RI ES THE MFG CORE 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 services, and facilities to the Isle of Man automotive repair point-of-sale of se
Slide 9: The MFG Engine: Conister Bank
C O N I S T ER BA N K THE MFG ENGINE 81% % Lending Split Fully licensed bank in UK MARKET SIZE UK MARKET UK/IOM 2026 both IOM and UK £15.7bn 350 Licensed Banks 19% The majority of lending SME only is in the UK (SMEs) Facility sizes: £1 - £100m UK MARKET SHARE ~3K Non Bank Lenders Maximum individual
Slide 10: Resilient Lending Growth Backed by Strong Capital and Liquidity
C O N I S T ER BA N K RESILIENT LENDING GROWTH BACKED BY STRONG CAPITAL AND LIQUIDITY LOAN BOOK LOAN TO TIER 1 CAPITAL Strong lending demand Conister Overdraft GROWTH DEPOSIT RATIO (CET1) expected to continue commercial agreement throughout 2026. signed: product expected £410.3m 93.1% £47.3m in Dece
Slide 11: UK's Leading Automotive Point-of-Sale Finance Platform
PAYM EN T A S S I S T UK’S LEADING AUTOMOTIVE POINT-OF-SALE FINANCE PLATFORM The UK’s leading automotive repair LOANS WRITTEN (H1 2026) CUSTOMER BASE DISTRIBUTION SPLIT (%) £1Bn+ in cumulative 1m+ point-of-sale finance provider, offering 126,500 Other 6.1% customer transactions diversified lending,
Slide 12: Scaling from Automotive BNPL Provider to Payments Technology Platform
PAYM EN T A S S I S T SCALING FROM AUTOMOTIVE BNPL PROVIDER TO PAYMENTS TECHNOLOGY PLATFORM MARKET STRATEGIC GROWTH DRIVERS OPPORTUNITY Expanded Building a customer Successfully launched ~£4.4bn Annual UK gross partnerships with dealer groups, national lifetime value ecosystem across IGNITION an int
Slide 13: Fueling Growth Through Strategic Investment
MA N X VEN TURES FUELING GROWTH THROUGH STRATEGIC INVESTMENT HOLDINGS H1 HIGHLIGHTS CURRENT VENTURES 100% of the issued MFX: Continued strong share capital in 7 performance benefiting companies. from FX market volatility. Options to increase Edgewater Associates: shareholdings in Continues to thrive
Slide 14: Diversified Business, Recurring Revenue Streams
MA N X VEN TURES DIVERSIFIED BUSINESS, RECURRING REVENUE STREAMS CORE INVESTMENT VALUE REALISATION SUBSIDIARY MERGER STRATEGY Partial exits. Triskel consolidation Portfolio performing in line Joint ventures. to drive growth. BLX, with Board expectations. Liquidity events. BlueStar and Manx Collectio
Slide 15: AI & MFG: Smarter Process. Better Outcomes
A I & MFG AI & MFG. SMARTER PROCESS. BETTER OUTCOMES By combining AI, systems integration, CRM capabilities and digital channels, MFG will: Accelerate customer Improve customer Increase operational Strengthen regulatory Enable sustainable service by speeding experience with efficiency by reducing co
Slide 16: Outlook & Strategic Priorities
O UT LO O K & S TRATEG I C PRI O RI T I ES OUTLOOK & STRATEGIC PRIORITIES Cautious on Entering H2 2026 Strong capital Attractive Continued focus macroeconomic from a position of reserves, liquidity opportunities in on sustainable conditions but strength. and growing specialist lending shareholder va
Slide 17: MFG: Time to Invest Now?
MFG - I N VES T N OW MFG: TIME TO INVEST NOW? Exposure to Attractive, Favourable Differentiated Proven Disciplined capital underserved, high-margin structural tailwinds distribution management allocation and growing segments. lending model. in UK lending and product execution and strategic M&A marke
Slide 18: Summary
S UM MA RY “Despite a more challenging economic backdrop and the normalisation of earnings following exceptional items in H1 2025, MFG continued to grow revenues, strengthen its balance sheet and expand its record lending portfolio. Strong capital resources, robust liquidity and ongoing investment i
Slide 19: Thank You
THANK YOU Douglas Grant James Smeed GROUP CEO GROUP FINANCE DIRECTOR douglas.grant@mfg.im james.smeed@mfg.im Investor Relations mfg@tavistock.co.uk Manx Financial Group PLC. Company number 004908V. Incorporated in the Isle of Man. Registered Office: Clarendon House, Victoria Street, Douglas, Isl