EJF Investments Ltd GBP · LSE:EJFI
EJF Investments Ltd GBP — EJF Investments — Investor Presentation (October 2026)
16 slides from EJF Investments Ltd GBP's investor presentation, Oct 21, 2026
Slide 1: EJF Investments Limited Equity Preferred Shares
EJF Investments Limited (LN: “EJFI”) Equity Preferred Shares 2026 WASHINGTON DC • LONDON Strictly Confidential // Not for Distribution
Slide 2: Introduction
Introduction EJF Investments Limited (LN: EJFI) is an income generating closed-end fund that has been listed on the London Stock Exchange since 2017. The underlying assets of EJFI are core to the EJF investment heritage: (1) a diversified pool of regulated debt issued by US small banks and insurance
Slide 3: Equity Preferred Shares
Equity Preferred Shares Purpose of the Equity Preferred Shares: • To enhance EJFI’s investment program by raising new capital that can be deployed to achieve higher returns on the portfolio than the yields paid to preferred shareholders. • Enhanced returns may result in higher dividends to ordinary
Slide 4: Track Record
Track Record Track Record 133.62% 9.28% Total NAV Return Annualised NAV Return Since inception, including dividends. Since inception, including dividends. 8.4% 9.5 years Annual Dividend Yield (on share price) Listed on LSE in 2017 (Track record) No dividend reductions, suspensions, or deferrals sinc
Slide 5: EJFI Portfolio
EJFI Portfolio Regulated Debt (79% of gross assets) YTM* CRT Loans (6% of gross assets) Est Yield* (Including CDO Management fees) 2020-1 10.60% 51 banks 2024-1 11.66% 21 insurance companies Prime Jumbo Residential Mortgages 2025-1 17.65% 35 banks 11 insurance companies 2025-2 16.04% 2025-2 17.74% C
Slide 6: Why Now? Spread Between Cost of Funding and Portfolio Yield
Why Now? The Spread Between EJFI's Cost of Funding and Portfolio Yield on Securitisations has Materially Increased Yield Comparison and Spread Analysis Over Time ZDP issued in Maturity in ZDP cost of Avg securitisation Difference between funding Current YTM ZDP cost of funding (annualised) (includin
Slide 7: EJF and EJFI's Credit Performance Justifies the Proposed Preferred Offering
EJF and EJFI’s Credit Performance Justifies the Proposed Preferred Offering All EJF sponsored securitizations EJF securitizations EJFI participated in (total issuance of $6,001.80M): (total issuance of $5,108.70M): • 2 bank debt default ($15.5M) in 11 years • 2 bank default ($15.5M) in 9 years • Def
Slide 8: EJFI Has An Experienced External Manager
EJFI Has An Experienced External Manager The Manager is an affiliate of EJF Capital LP (“EJF”) is a global institutional EJF Capital LP, founded in 2005, which has: alternative asset management firm with a $5.2 billion compelling strategic approach and independent Approximate total firm AUM which in
Slide 9: Shareholder Alignment
Shareholder Alignment Shareholder Alignment The Manager is Strongly Aligned with Shareholders • EJF and its affiliates own ~28% of the Company’s ordinary shares. Top Non-EJF Affiliated Shareholders (as of 30 September 2026) Strong Funds managed by Premier Miton Group (UK Listed Asset Manager) 7.52%
Slide 10: Attractive Yield…Lower Risk
Attractive Yield…Lower Risk Attractive Yield…Lower Risk EJFI Offers an Attractive Cash Yield on Regulated Debt and Asset Management Fees. ~ 73% of EJFI’s Assets represent Regulated ~ 6% of EJFI’s Assets represent the Debt of Small Banks and Insurance Companies Management Fee Streams of EJF Affiliate
Slide 11: Why Invest in U.S. Small Banks?
Why Invest in U.S. Small Banks? Why Invest in U.S. Small Banks? All figures displayed are as of 3 0 S e p t e m b e r 2026 unless otherwise stated. Please see important disclosures on pages 13-15 Past performance is not indicative of future results, and there can be no assurance that Please EJFI wil
Slide 12: Please see Legal Disclosures
All figures displayed are as of 3 0 S e p t e m b e r 2026 unless otherwise stated. Please see important disclosures on pages 13-15 Past performance is not indicative of future results, and there can be no assurance that Please EJFI will achieve comparable results, will meet its target returns, achi
Slide 13: EJFI Board and Advisory Team
EJFI Board and Advisory Team EJFI Board and Advisory Team Independent Board Of Directors Advisors & Service Providers to EJFI John Kingston III Chair of the Board, Nominations Committee • Retired as Vice Chairman of Affiliated Managers Group Auditor Ernst & Young (NYSE: AMG) in 2015 after a 16-year
Slide 14: Legal Disclosures
Legal Disclosures Legal Disclosures PAST PERFORMANCE IS NOT INDICATIVE OF FUTURE RESULTS, WHICH MAY VARY. There is no guarantee that the Company will continue to invest in these allocations at all or do so in the same manner as set forth in this factsheet. Allocations may change at any time without
Slide 15: Legal Disclosures
Legal Disclosures have been based. The inclusion of such Statements herein should not be regarded as a representation or guarantee regarding the reliability, accuracy or completeness of the information contained herein, neither the Company nor the Manager are under any obligation to update or keep c
Slide 16: Legal Disclosures
Legal Disclosures The Fund has appointed ACOLIN Services SA, 6 Cours de Rive, 1204 Geneva, Switzerland, as its Swiss Representative. Banque Cantonale de Genève, 17 Quai de l’Ile, CH-1208 Geneva, Switzerland is the Swiss Paying Agent. In Switzerland shares shall be distributed exclusively to qualifie
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