E-finance For Digital And Financial Investments S.a.e. · EGX:EFIH
E-finance For Digital And Financial Investments S.a.e — eFinance Investment Group — Investor Presentation (March 2026)
28 slides from E-finance For Digital And Financial Investments S.a.e's investor presentation, March 2026
Slide 1: Investor Presentation: The Financial Inclusion Engine
Investor Presentation: The Financial Inclusion Engine March 2026 E-Finance // Investor Presentation 1
Slide 2: Introduction
Introduction
Slide 3: Who we are
eFinance Investment Group – Powering Egypt’s Digital Future Financial inclusion is the engine of eFinance Investment Group’s future - unlocking new Who we are eFinance Investment Group is Egypt’s leading payment and markets, accelerating technology infrastructure firm. From its beginnings as the dig
Slide 4: What we Do
What we Do Payment Network Operator Cloud Services Build and Operate (Transaction Revenue) Provider Tailored and Integrated Solutions Today Next Step Embedded Finance Data Monetization E-Finance // Investor Presentation 4
Slide 5: Corporate Evolution and Path to Institutionalization
Corporate Evolution and Path to Institutionalization Two Decades of Excellence 2005: 2007: 2012: 2015: 2016: Established Began Building the Introduced Corporate Digitization of Takaful Established the Government's Payment solutions to & Karama program, Farmer's Network Financial Network the banking
Slide 6: Where eFinance Creates Impact
Where eFinance Creates Impact Tourism Taxes Customs Subsidy Programs Cloud Solutions Agriculture Healthcare E-Finance // Investor Presentation 6
Slide 7: Supported by Attractive Market Fundamentals
Supported by Attractive Market Fundamentals The Egyptian market holds great untapped potential across multiple industries inline with the country’s Vision 2030 to become a cashless society Egypt Digital Payments Egypt Cloud Hosting Egypt Banking Cards Egypt E-commerce Non-Banking Financial Market Ma
Slide 8: eFinance Investment Group – Powering Egypt's Digital Future
eFinance Investment Group – Powering Egypt’s Digital Future eFinance Digital Operations eKhales MTS Ahly Momken EasyCash Sahl Payment Processing eFinance Ecosystem Outsourcing & Embedded Finance Consulting & Integration Services Digital Infrastructure Solutions eFinance Digital eNovate eNable eAswaa
Slide 9: The Big Picture
The Big Picture E-Finance // Investor Presentation 9
Slide 10: eFinance Investment Group: 2026 Investment Thesis
eFinance Investment Group: 2026 Investment Thesis From Digital Transformation Architect to Financial Inclusion Enabler As of 2026, eFinance Investment Group (EFIG) is completing its strategic expansion from a developer of digital infrastructure into a unique ecosystem enabling financial inclusion. B
Slide 11: How our Ecosystem Enables "Embedded Finance"
How our Ecosystem Enables “Embedded Finance” The Interface The Brain The Enabler (Front-End) (Data/AI) (Fintech) Platforms and Networks we Build and Manage: Financial Services (Microfinance and eFinance Cloud & Analytics Factoring) Tax Platform Customs Single Window Infrastructure as a Services (IAA
Slide 12: Exclusive Transactions With Substantial Volumes
Exclusive Transactions With Substantial Volumes e-finance’s unique positioning as the premier government partner for transaction processing has allowed it seamlessly process billions of transactions annually and leverage several fixed- and variable-fee sources to generate diversified revenues Fixed-
Slide 13: Embedded Finance Opportunities Across Our Ecosystem
Embedded Finance Opportunities Across Our Ecosystem Agriculture EGP c.30 bn in Annual c.4mn Farmers Financing Gap of Loan Origination Served EGP c.70 bn E-receipt Single Window Customs Consumer Finance c.100mn Monthly BNPL for Import Fees and Receipts Customs Microfinance c.500K Recipients c.4.5mn c
Slide 14: The Sectors we Transform
The Sectors we Transform E-Finance // Investor Presentation 14
Slide 15: Tourism — Digitizing Egypt's Fastest Growing Sector
Tourism — Digitizing Egypt’s Fastest Growing Sector Impressive and Consistent Results E-Ticketing Record Tourists Record Inflows Develop e-ticketing and booking Egypt is expecting 21 million visitors in Record tourism revenues in 2025 of solutions for touristic attractions in 2026 up from 18 million
Slide 16: Taxes — Modernizing Egypt's Fiscal Engine
Taxes — Modernizing Egypt’s Fiscal Engine Significant Growth Potential Tax Processing Price Optimization Greater Penetration Expanding Tax Base eFinance continues to deliver Opportunity Increasing penetration of e- TAM supported by Egypt’s strong growth, with the surge The last price increase was de
Slide 17: Customs — Seamless Trade Infrastructure
Customs — Seamless Trade Infrastructure eFinance is playing a pivotal role in digitizing Future Growth customs and logistics flows: Reliable, High-Volume Network Enhanced Digital EGP +600 billion Identity for Traders 2025 TPV EGP +750 billion (est.) Financing Solutions 2026 TPV for Importers E-Finan
Slide 18: Social Protection — A National Inclusion Platform
Social Protection— A National Inclusion Platform 2026 Goal +10 Million Individuals from underserved populations supported Deeper integration of underserved demographics into the digital economy Farmers, subsidy recipients, and pensioners: Egypt's largest financially underserved populations are direc
Slide 19: Cloud & Data Hosting — Egypt's Sovereign Cloud Champion
Cloud & Data Hosting — Egypt’s Sovereign Cloud Champion Only operator hosting 2025–2026 growth Banking sector entry large-scale public targets: +35% annually planned for 2026 sector data at depth Strategic Moat: Signing with global Long-Term Vision: NBFIs, Healthcare, & players to use our Security E
Slide 20: Egypt's Digital Payments and Infrastructure Progress
Egypt’s Digital Payments and Infrastructure Progress Persistent Cash Usage Financial Literacy Gaps Market Expansion Despite a growing preference for Approximately 65% of the Egypt's digital payments market is digital payments according to NTRA population lacks adequate financial projected to reach 5
Slide 21: Financial Outlook
Financial Outlook E-Finance // Investor Presentation 21
Slide 22: Performance Overview
Performance Overview By spearheading Egypt’s digitization efforts, eFinance has positioned itself as an infrastructure and digital payments pioneer enabling digital and financial transformation FY2025 Highlights: 3-Year EBITDA Why 2026 +15M Performance (EGP bn) Matters: Customers served annually EGP
Slide 23: Financial Outlook & Key KPIs
Financial Outlook & Key KPIs Improvement in: 3-Year Revenue Performance (EGP bn) 56% ROIC Gross Margin 6.8 ROA 5.2 3.9 49% ROE EBITDA Margin Cash Cycle Improvement 36% 2023 2024 2025 Net Margin Working Capital Optimization E-Finance // Investor Presentation 23
Slide 24: Financial Highlights
Financial Highlights Historical Performance Revenue (EGP mn) Gross Profit, Margin (EGP mn, %) 45% 48% 47% 52% 54% 54% 56% 800 0 700 0 600 0 500 0 400 0 6,773 3,819 5,210 300 0 200 0 3,899 2,141 2,787 1,963 2,644 1,365 1,232 923 100 0 0 984 440 596 2019 2020 2021 2022 2023 2024 2025 2019 2020 2021 20
Slide 25: Financial Highlights
Financial Highlights Historical Performance Variable-fee Transaction Fixed-fee Transaction Revenue Revenue (EGP mn) (EGP mn) 200 0 700 180 0 600 160 0 500 140 0 120 0 400 100 0 800 1,735 300 511 565 606 600 1,195 200 382 443 354 400 64 153 840 309 495 100 226 200 0 0 2019 2020 2021 2022 2023 2024 20
Slide 26: Summary
Summary E-Finance // Investor Presentation 26
Slide 27: 2026 Investment Case — Why Invest in e-finance Now?
2026 Investment Case — Why Invest in e-finance Now? 01 Exposure to 02 Irreplaceable underpenetrated digital infrastructure + Dominant sectors with strong positioning in key verticals regulatory support tailwind 03 04 Catalysts: cloud Multiple growth engines expansion, pricing with compounding revisi
Slide 28: Thank you
Thank you E-Finance // Investor Presentation 28
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