Slide 1: Financial Solutions Built for Complexity
Financial Solutions Built for Complexity Deep expertise, complex requirements, no compromise. Full Year Results 2025 Finseta 2026
Slide 2: Presenting
Presenting James Hickman Andrew Richards CHIEF EXECUTIVE OFFICER CHIEF FINANCIAL OFFICER Andrew brings 25 years’ experience within the financial Over 25 years in the Financial Services industry with the services and insurance industries. Spending 12 years with last 20 years' experience within the FX
Slide 3: Who are Finseta?
Who are Finseta? Proprietary technology platform 1 Tier 1 Agency Banking Specialised account and relationship payment product suite to meet specific customer 4,403 needs Financial Deep vertical expertise to Solutions secure strong client relationships Number of payments Built for transacted per mont
Slide 4: 2025 Highlights
2025 Highlights • Revenue growth of 9% to £12.4m (FY 2024: £11.4m) • Increase in active customers to 1,101 (FY 2024: 1,059) and Continued Revenue Growth average revenue per customer • Gross margin of c.61% (FY 2024: 65.7%) • Barclays Agency Upgraded banking infrastructure • ClearBank Agency • Larger
Slide 5: 2025 Highlights
2025 Highlights • Increase in active customers to 1,101 (FY 2024: 1,059) Revenue growth of 9% to £12.4m • Substantial growth in Dubai revenue (FY 2024: £11.4m) • Significant growth in revenue from corporate clients • Offset macro impacts on HNWIs revenue • Alternative banking year on year growth • G
Slide 6: 2026 Strategy
2026 Strategy Confidential | Copyright 2026
Slide 7: 2026 Strategy
2026 Strategy Focused onboarding and processing for complex business verticals Innovating our offering with client-led product development Realigned sales strategy away from transactional business to focused accounts Confidential | Copyright 2026
Slide 8: Strategic delivery: Focused onboarding and processing for complex business verticals
Strategic delivery Focused onboarding and processing for complex business verticals ✔ Additional permissions from DIFC ○ Allow us to target complex businesses ✔ Developed strong and specific onboarding processes for SPVs ✔ Rolled out system improvements to increase the amount of straight-through pro
Slide 9: Strategic Delivery: Innovating our offering with client-led product development
Strategic Delivery Innovating our offering with client-led product development Investment in new platform functionality and increased capability ✔ New client portal ✔ Enhancements to facilitate larger customers: ○ Multi-layer authorisations ○ Bespoke client approval workflows ○ Payment request featu
Slide 10: Strategic Delivery: Realigned sales strategy to focused accounts
Strategic Delivery Realigned sales strategy away from transactional business to focused accounts ✔ Sales team organised to promote key vertical client acquisition ✔ Updated internal commission structure to promote client retention ✔ Clear focus on marketing and external communications along our core
Slide 11: Financial Highlights
Financial Highlights Confidential | Copyright 2026
Slide 12: Key financial performance indicators reflect a year of investing for the future
Key financial performance indicators reflect a year of investing in our business for the future Revenue Gross Margin ADJ. EBITDA £12.4m 62% £0.2m +9.4% -4% -£1.8m (2024: £11.4m) (2024: 66%) (2024: £2.0m) PBT Cash From Operations Net Cash Position at 31 -£1.3m £0.4m Dec 2025 -£2.7m -£1.8m £1.5m (2024
Slide 13: Continued growth in top line, focus on corporate customers
Continued growth in our top line, with a focus on corporate customers and a more diversified revenue base 2025 2024 Mvt. Revenue split £m £m £m Sales £ Corporate 7.1 4.6 2.5 7.0 HNWI 5.3 6.8 (1.4) 6.0 12.4 11.4 1.1 5.0 4.0 Closing active customers 1,101 1,059 42 3.0 2.0 9% growth in revenue year on
Slide 14: EBITDA for 2025 reflects the continued investment in the business
EBITDA for 2025 reflects the continued investment in the business 2025 2024 Mvt Gross profit margin reduction reflects the focus on corporate clients, which deliver more repeatable Revenue 12,426 11,354 1,072 business at a slightly lower margin Gross profit 7,699 7,459 240 Adjusted costs reflect the
Slide 15: A year of investing in the group's products and expanding operations
A year of investing in the group’s products and expanding our operations £'000 The growth in our expense base over the year reflects the expansion in Dubai and Admin expenses 2024 5,444 Canada and the launch of the card Staff costs 1,215 programme. Platform fees 712 This expansion in our geographica
Slide 16: Strong cash flow conversion
Strong cash flow conversion 2025 2024 Mvt Non-cash items increased by £0.7m during, comprising £174k of share- Profit before tax (1,282) 1,392 -192% based payments (2024: £264k) and £1,335k of depreciation and amortization (2024: £882k) and Non-cash items 1,730 996 74% £222k in relation to the write
Slide 17: Net cash flows continue to reflect ongoing investment in the operating platform
Net cash flows continue to reflect the ongoing investment in the group’s operating platform 2025 2024 Mvt Non-current asset additions (1,091) (1,494) -27% Subsidiary disposal proceeds - 152 -100% Investing cash flows (1,091) (1,342) -19% Deferred consideration & loan notes - (278) -100% Lease paymen
Slide 18: Summary
Summary Confidential | Copyright 2026
Slide 19: Significant progress to date
Significant progress to date 1 2 3 4 5 Significant Investments Secured loan Board remain Revenue growth strategic progress made to in note extension confident in reflecting – all objectives strategic growth to support delivering successful achieved and initiatives to balance sheet profitable growth
Slide 20: Thank You
Thank You Any Questions? Confidential | Copyright 2026
Slide 21: Appendix
Appendix Confidential | Copyright 2026
Slide 22: Finseta PLC Board
James Hickman Andrew Richards Gareth Edwards CHI EF-EXEC UTIVE OFF ICER NON-EXEC UTIVE C HAIRMAN CHIEF FINANCIAL OFFICER Gareth has significant public markets e xperience James has over 25 years’ expe rie nce in fin ancial Andrew has 25 years’ experience in gained from m any years in no n-executive
Slide 23: Finseta Leadership Team
Finseta Leadership Team Robert O’Brien Jordana Curtis CHIEF OPERATING OFFICER Declan Jones CHIEF PRODUCT OFFICER CCO/HEAD OF COUNTRY - UAE Previously, Rob owned Vorto Trad ing Jordanna is an experienced projects and Declan has extensive experience leading Ltd. He brings more than 1 5 years of operat