Qualco Group S.a. · ATHEX:QLCO
Qualco — Investor Presentation (May 2025)
35 slides from Qualco's investor presentation, May 2025
Slide 1: A leading software and technology provider
A leading software and technology provider Company Presentation
Slide 2: Disclaimer
Disclaimer IMPORTANT: Please read the following before continuing. The following applies to this document, which has been prepared by Qualco Group S.A. (the “Company”), strictly for information purposes in relation to the Company (collectively, the “Information”). The Information does not constitute
Slide 3: Management Team
Management Team Leadership Board of Directors 7.5 Omar Maasarani Mohammad Syed Steven Thomas Katherine Verner Investor Director, Independent Director Edwards Independent Director Orestis Tsakalotos Miltiadis Georgantzis Dimokritos Amallos Non-Executive Independent Director Group Executive Group CEO
Slide 4: 1. Introduction to Qualco Group
1. Introduction to Qualco Group
Slide 5: Introducing Qualco
Introducing Qualco Identity We are an international Software and Technology solutions provider backed by , offering operational platforms, data-driven insights, and tailor- made digital experiences History Founded in 1998, we have 25+ years of experience enabling our clients to more effectively mana
Slide 6: For 25+ years we have enabled clients to effectively manage their assets and customers
For 25+ years we have enabled clients to effectively manage their assets and customers With strong engineering roots, Qualco has evolved into a tech pioneer Beyond 2025 Expanding • Accelerate Software Software & & Technology Platforms international Footprint expansion through Institutional strategic
Slide 7: We operate through our business segments
We operate through our 2 business segments Metrics FY2024 Business segments Description Core activities Revenues1 EBITDA 1 1.A • Analytics-driven and highly Credit & Supply Chain scalable enterprise software Receivables & Factoring Software & solutions in the wider credit Technology management space
Slide 8: We deliver tech-driven services in a wide range of industries
We deliver tech-driven services in a wide range of industries Credit / Lending Value Chain 1 1.A Software & Technology E2E software solutions Software & Platforms 1.B Segment Platform as a Service All-in-one tech- enabled platforms 2 Portfolio Management Segment Servicing & Operations Digitalization
Slide 9: A large, robust and growing market
A large, robust and growing market Total Addressable Market1 (TAM), €bn Market trends 47.4 Accelerated digital transformation and automation efforts, following emergence 7.2 of new technologies (i.e. Gen AI) 35.2 4.7 Growing client sophistication and digitalization trend towards E2E “one-stop- 35.8
Slide 10: Cutting-edge, scalable technology and highly skilled engineering team
Cutting-edge, scalable technology and highly skilled engineering team Full automation, offering descriptive analytics and predictive modeling Efficient data migration speed has resulted in quickly realized ROI for clients Flexible to both on-premise and SaaS delivery depending on client needs Cloud-
Slide 11: Investment highlights
Investment highlights Building on our strengths, we aim at capturing a substantial part of the growing market A Large and attractive growing market currently dominated by legacy systems, 1 driving a need for best-in-class solutions €35.2bn Total addressable market (2022)1 B Two segments providing an
Slide 12: 2. Qualco's Business Segments
2. Qualco’s Business Segments
Slide 13: Overview of business segments: Products & Solutions
Overview of business segments: Products & Solutions Core Adjacent Growth Enablers 1 1.A Software & Technology Software & Platforms 1.B Platform as UK Platform a Service 2 Portfolio Management 12
Slide 14: Core solutions cover the entire credit value chain
Core solutions cover the entire credit value chain Providing end-to-end technology across the value chain Credit value chain Phase 1 2 3 4 Banking & Payments, Loan Loan Collections Embedded Finance Wallets Origination Administration Core Solutions & Recoveries Open Receivables Non-Banking Banking Se
Slide 15: Technology at the core of all business segments
Technology at the core of all business segments QUK provided platform Alignment in products validation, helping to enabling greater secure contract with PPC operational performance UK Platform Core products are underpinned by proven, cutting-edge proprietary Technology technology. QIF, Quant & Real
Slide 16: Software & Technology | Overview
1.A Software & Technology | Overview Overview Key offerings – Qualco 360◦ Supports debt and receivables management operations in all sectors, from banking to NPEs Unified modular and E2E wide software servicing, retail credit to utilities, consumer, SME, and corporate, both secured and solutions mai
Slide 17: Software & Technology | Qualco 360
1.A ◦ Software & Technology | Qualco 360 Key offerings – Complementary credit cycle software Omnichannel customer Self service portal Reporting engagement • An all-in-one decision- • A flexible, comprehensive • A complete digital solution • Provide a seamless • Allow customers to create making platf
Slide 18: Software & Technology | Qualco Process Automation & Qualco Loan Originator
1.A Software & Technology | Qualco Process Automation & Qualco Loan Originator Overview Products and services A technology services provider focusing on streamlining business processes by developing innovative software solutions and providing versatile services to drive operational excellence • Comp
Slide 19: Software & Technology | Loan manager
1.A Software & Technology | Loan manager Overview Clients An end-to-end solution that drives better loan management and servicing Cover all stages, from portfolio onboarding to loan disbursement, termination and restructuring A Loan Management platform ideal for all creditors, including retail banks
Slide 20: Software & Technology | Supply chain finance
1.A Software & Technology | Supply chain finance Overview Products and services Comprehensive, end-to-end lifecycle processing for supply chain finance and factoring operations • Comprehensive software for the • An end-to-end invoice discounting management of the receivables platform Variety of modu
Slide 21: Platform as a Service | Overview
1.B Platform as a Service | Overview Overview Key offerings Complete E2E offering of AI-enabled platforms Core platforms highly characterized by advanced technologies and algorithmic solutions Enterprise clients utilize Qualco’s platforms to standardize operations and achieve cost reductions to serv
Slide 22: Platform as a Service | Qualco Intelligent Finance
1.B Platform as a Service | Qualco Intelligent Finance Overview Go-to-market strategy Qualco Intelligent Finance (“QIF”) mainly focuses on non-banking Leading receivables management with personalized customer receivables, optimizing the recoveries processes through a unique 1 treatment strategies th
Slide 23: Qualco UK | Overview
1.B Qualco UK | Overview Overview Go-to-market strategy The Qualco UK platform acts as an orchestrator and streamlines the The ExtraCollect (“EC”) platform enables clients to manage their complex collection outsourcing process while adding valued expertise 1 outsourced servicing partners more effici
Slide 24: Real Estate Platform | Overview
1.B Real Estate Platform | Overview Overview Go-to-market strategy The platform acts as a “digital agent” to buyers & sellers and collaborates E2E platform supports the entire real estate ecosystem from with real estate professionals to standardize and accelerate asset-related property search to fin
Slide 25: Applied Intelligence platform solutions | Overview
1.B Applied Intelligence platform solutions | Overview Overview AI strategy Applied Intelligence platform solutions creates and offers Creates customized, all-in-one solutions tailored to meet client needs, end-to-end platforms, revolutionizing existing customer developed collaboratively and consult
Slide 26: Portfolio Management | Overview
2 Portfolio Management | Overview Overview Managed Assets (FY2023) MAs by Secured status MAs by loan type Largest independent servicer in Greece with €10bn Managed SME Assets (“MAs”)1 characterized by an asset-light structure (no 9% Unsecured Corporate balance sheet risk) with highly scalable opport
Slide 27: 3. Financials
3. Financials QUALCO
Slide 28: Well diversified and resilient revenue streams
Well diversified and resilient revenue streams Revenue by customer industry 5% 22%1 20% 31%1 30% €184m €184m €184m FY2024 59% FY2024 FY2024 16% 70% 47%1 Energy & Utilities Software & Technology Greece International Financial Institutions Platform as a Service Institutional Investors Portfolio Manage
Slide 29: We are deeply embedded with blue-chip clients in diversified industries
We are deeply embedded with blue-chip clients in diversified industries Highlights Long-term partnership with a strategic client Introducing PPC Initial mandate <4% Client Attrition 1 ✓ Technology ✓ Receivables management +107% Net Revenue Retention2 Public Power Corporation is the for a subset of t
Slide 30: Qualco has been delivering consistent and profitable growth
Qualco has been delivering consistent and profitable growth Revenue1, €m Comments Historical financial performance 175 184 characterized by a steady growth with 153 revenues at +14% CAGR in 21A-24E 125 54 30%3 60 31%3 48 30%3 2 37 29%3 75 In 20241, total revenues increased by 51 2 51%3 97 53%3 91 47
Slide 31: Revenue models
Revenue models Software & Technology Platform as a Service Portfolio Management Recurring revenue Recurring revenue Recurring revenue • Annual usage fee for subscriptions • Fixed fees, e.g. monthly platform usage • Fixed fees as AuM fee * average AuM • Post-contractual software support and • Variabl
Slide 32: 4. Growth opportunities
QUALCO 4. Growth opportunities
Slide 33: We are exploring multi-dimensional avenues for growth
We are exploring multi-dimensional avenues for growth… Software & Platforms Segment Portfolio Management Software & Technology Platform as a Service Segment Strengthen existing presence Growth in portfolio Increase market share further penetration of existing products recently onboarded portfolios a
Slide 34: …leveraging our proven inorganic growth engine & value-accretive integrations
…leveraging our proven inorganic growth engine & value-accretive integrations Expansion business segments Clear & Focused M&A framework A. Capabilities B. Clients C. Geography Client Access & Acquisition With robust The well-established By expanding into new Enhance technological client base and uni
Slide 35: Thank You
Thank You