Slide 1: Pre-Close Call Q4 2025
Pre-Close Call Q4 2025 February 6 2026 1
Slide 2: Important notice
Important notice This presentation contains, or may be deemed to contain, All forward-looking statements included herein are based on forward-looking statements. These statements relate to future information currently available to Multitude and, accordingly, events or future financial performance of
Slide 3: Capital Market Guidance and indicative targets 2025-2028
Capital Market Guidance and indicative targets 2025-2028 Net Profit Guidance 2025: 1 24-26m EUR confirmed Net Profit Guidance 2026: 2 30m EUR confirmed Net Profit Guidance 2027 & 2028: 3 20% increase p.a. Business Targets: 4 • • Consumer banking: 10% EBT CAGR SME Banking: Single digit positive EBT 2
Slide 4: And we focus on dynamics that will realise our strategy
And we focus on dynamics that will realise our strategy CUSTOMER VALUE Value creation to overlooked REVENUE end-customers and platform COST GROWTH customers REDUCTION Grow the Multitude platform Continuous focus to decrease via Organic, Partnerships, and costs as we scale the platform M&A 4
Slide 5: Business Units – Road to our Net Profit Guidance
Business Units – Road to our Net Profit Guidance CONSUMER SME WHOLESALE BANKING BANKING BANKING Unsecured lending, incl. Loans, Secured & unsecured lending, Secured Debt, Payment Credit Cards, Deposits invoice purchasing Services 5
Slide 6: Multitude Group highlights 9M 2025
Multitude Group highlights 9M 2025 Stable revenue trajectory combined with strong net profit growth Highlights 9M 2025 Focus going forward • Group revenue development stable and in line with expectations, with EUR • Focus on 3 main initiatives to accelerate our Revenue growth and 195.9m (193.9m) pro
Slide 7: Update
Updated Fitch Rating Fitch affirms rating at B+ and upgrades Multitude Bank to 'BB-' as well as the standalone credit profile of the Update consolidated Group to ‘bb-’ Further Execution on WSB Deal Pipeline WSB expands lending portfolio: - EUR 12.5m secured loan to Baltic Fintech Placet Group - EUR
Slide 8: Key takeaways
Key takeaways Guidance 2026 – 2028 annual increase in net profit of 20% We are focusing on our tri-pillar growth model Strong focus on increased usage of data, AI and further automatisation We continue serving customers overlooked by traditional banks Ambition to reach a EUR 1 bn valuation 8
Slide 9: FY 2026 Reporting updates
IFRS 18 Impact Next reporting dates IFRS 18 mainly impacts Multitude FY 2026 Group through changes in the presentation of the 12 March 2026 Prelim Results & Analyst Call Reporting consolidated statement of profit or loss, introducing clearer 26 March 2026 operating, investing, and Full Year 2025 Res
Slide 10: Questions
Questions 10
Slide 11: Contact us:
Contact us: Multitude.com ir@multitude.com 11