Fawry For Banking Technology And Electronic Payment · EGX:FWRY

Fawry For Banking Technology And Electronic Payment — Q2 2026 Earnings Presentation

23 slides from Fawry For Banking Technology And Electronic Payment's earnings presentation, Aug 18, 2026

  1. Slide 1: 2Q 2026 Earnings Call

    2Q 2026 Earnings Call August 18,2026 1

  2. Slide 2: Disclaimer

    Disclaimer This presentation has been prepared by Fawry for Banking Technology and Electronic Payment S.A.E. ("Fawry") for information purposes only. The information contained herein has been derived from sources believed to be reliable, including Fawry's financial statements and other internal and

  3. Slide 3: Agenda

    AGENDA 2Q 2026 Financial results 01 Dive into 2Q 2026 Payments business figures 02 Dive into 2Q 2026 Financial services figures 03 Digital growth 04 3

  4. Slide 4: 2Q 2026 Financial Results Highlights

    2Q 2026 Financial Results Highlights 4

  5. Slide 5: Financial KPIs

    Financial KPIs 43% • Revenue growth came at 43% y-o-y Y-o-Y revenue growth • Acceptance business throughput grew by 33% y-o-y to reach EGP 89.2 billion for 2Q 26 in 2Q 26 57.2% • Total loan portfolio exceeded EGP 6.6bn, 71% higher than 2Q 25 figure EBITDA margin • GP followed the revenue performance

  6. Slide 6: Quarterly throughput reached EGP 334 billion, up 69% y-o-y, with revenue EGP 2.8 billion

    Quarterly throughput reached EGP 334 billion, up 69% y-o-y, with revenue EGP 2.8 billion, 43% up vs. last year Quarterly Throughput (EGP bn) Quarterly revenue (EGP mn) +69% + +43% + +53% + 334 +63% + 2,811 1,971 197 1,212 129 2Q24 2Q25 2Q26 2Q24 2Q25 2Q26 6

  7. Slide 7: Financial Services segment lead the y-o-y revenue growth

    Financial Services segment lead the y-o-y revenue growth Contribution to y-o-y growth for Revenue contribution by quarter 2Q 2026 2% 4% 3% 3% 3% 6% 7% 7% 6% 6% 12% 4% 2% 12% 17% 6% 10% 29% 32% 19% 20% 19% 13% 15% 18% 22% 21% 22% 49% 18% 40% 34% 39% 26% 39% 19% 2Q 2022 2Q 2023 2Q2024 2Q 2025 2Q 2026

  8. Slide 8: Gross profit up by 42% vs. last year, with relatively stable gross profit margin

    Gross profit up by 42% vs. last year, with relatively stable gross profit margin Gross profit (EGP mn) Gross profit margin (%) +42% -0.4% +69% 1,920 +2.5% 68.6% 68.3% 1,353 802 66.1% 2Q24 2Q25 2Q26 2Q24 2Q25 2Q26 8

  9. Slide 9: While EBITDA margin slightly improved

    While EBITDA margin slightly improved EBITDA (EGP mn) EBITDA margin (%) +45% + +0.8% +95% 1,609 +9.4% + 56.5% 57.2% 1,113 47.0% 570 2Q24 2Q25 2Q26 2Q24 2Q25 2Q26 9

  10. Slide 10: Net income reached EGP 871 Mn, up 34% y-o-y, with Net income margin reaching 31.0%

    Net income reached EGP 871 Mn , up 34% y-o-y, with Net income margin reaching 31.0% Net income (EGP mn) Net income margin (%) +34% -2.1% +103% 871 +6.5% 33.1% 31.0% 652 26.5% 322 2Q24 2Q25 2Q26 2Q24 2Q25 2Q26 10

  11. Slide 11: Dive into 2Q 2026 payments business figures

    Dive into 2Q 2026 payments business figures 11

  12. Slide 12: Operational KPIs achieved healthy growth, with customers reaching 55.4mn

    Operational KPIs achieved healthy growth, with customers reaching 55.4mn Number of Services Total POS -6% Average Revenue Total Transactions Average Transaction +19% (000s) * per Trx +31% +4% (mn) Value +63% 401 (EGP) 4,815 379 541 616 3.4 2.6 378 4,046 523 2Q 2025 2Q 2026 2Q 2025 2Q 2026 2Q 2025 2Q

  13. Slide 13: ADP continues to grow, albeit at a slower pace, as the market matures

    ADP continues to grow, albeit at a slower pace, as the market matures and payments increasingly shift toward digital channels. ADP Throughput ADP Revenue (EGP mn) +3% +7% 523 506 2Q 2025 2Q 2026 2Q 2025 2Q 2026 13

  14. Slide 14: Acceptance and Agent Banking continue to grow at double digits figures

    Acceptance and Agent Banking continue to grow at double digits figures Acceptance Revenue Agent Banking Revenue (EGP mn) (EGP mn) +109% +19% 632 514 303 431 2Q 2025 2Q 2026 2Q 2025 2Q 2026 14

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

    Acceptance business continued strong trajectory with Instore and online acceptance growing at double digits Revenue from instore Acceptance enabled POS Revenue from Online acceptance (000s) acceptance +14% +2% +30% 365 359 2Q 2025 2Q 2026 2Q 2025 2Q 2026 2Q 2025 2Q 2026 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) +40% +43% 167 119 2Q 2025 2Q 2026 2Q 2025 2Q 2026 16

  17. Slide 17: Dive into 2Q 2026 financial services figures

    Dive into 2Q 2026 financial services figures 17

  18. Slide 18: MSME lending continued strong performance

    MSME lending continued strong performance • The company has onboarded 123k merchants to its MSME Finance Loan MSME Finance Revenue Portfolio (EGP bn) (EGP mn) BNPL for Business (Al-Nota), with credit limits exceeding EGP 1.75 billion. +62% +25% • Number of MSME loans granted in 2Q26 reached 35.2k, u

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

    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 3.22 bn by end of 2Q26, up by 83% from EGP 1.76 bn at the end of 2Q25 519 • Total spend f

  20. Slide 20: Digital growth

    Digital growth 20

  21. Slide 21: Double digits growth achieved on annualized throughput with total cumulative downloads exceeding 28 million

    Double digits growth achieved on annualized throughput with total cumulative downloads exceeding 28 million 48.0 EGP Bn Annualized June 2026 c.28.0 Downloads since Mn 3.8 EGP Mn Prepaid Cards Issued as myFawry app throughput June 2019 of June 2026 Up 68.5% y-o-y Up 37% y-o-y Up 116% y-o-y 21

  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 +72% Processed value Transactions +44% +4% (mn) (mn) +101% (EGP bn) (mn) 330 541 159 337 235 92 164 523 2Q 2025 2Q 2026 2Q 202

  23. Slide 23: Q&A

    Q&A 23

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