Manx Financial Group Plc · LSE:MFX
Manx Financial — Investor Presentation (August 2025)
20 slides from Manx Financial's investor presentation, August 2025
Slide 1: Manx Financial Group Investor Presentation August 2025
Manx Financial Group INVESTOR PRESENTATION | AUGUST 2025
Slide 2: Slide 2
Slide 3: Disclaimer
This presentation (the “Presentation") has been prepared by Manx Financial Group Plc (“MFG" or the *Company’) This Presentation contains general and background information about MFG's activities current as at the date of the Presentation, and [i) does not purport to be complete; and [ii] should not
Slide 4: MFG aims to capitalise on its liquidity advantage
MFG aims to capitalise on its liquidity advantage to accelerate growth, and to enter underserved European markets - delivering strong investor returns. Manx Financial Group Manx Financial | Group PLC is an AIM-quoted company [AIM: MFX]
Slide 5: Who we are
WHO WE ARE Founded in 1935 and domiciled on the Isle of Man, we are a proudly independent banking and financial services group with over 90 years of expertise in serving commercial and retail customers. Ee payment Eg Ba Conister assist Manx Bank — Ventures Edgewater Manx Collections BlueStar ‘Changi
Slide 6: Meet the Board
MEET THE BOARD JIM MELLON DENHAM EKE DOUGLAS GRANT JAMES SMEED Executive Chairman. Executive Vice Chairman Chief Executive Officer Group Finance Director ss ALAN CLARKE GREG JONES GREGORY BAILEY JOHN SPELLMAN Non - Executive Director Non-Executive Director Non - Executive Director Non- Executive Dir
Slide 7: MFG shares at a glance
MFG SHARES AT A GLANCE MANX FINANCIAL SHARE PROFIT SHARES NAV GROUP PLC PRICE BEFORE TAX IN ISSUE AIM:MFX 32.00GBp £9.9m 119.71m £37.31m (2023: £7.0m) (2023: £35.98m) MARKET FREE DISCOUNT CAP FLOAT TO NAV £38.91m Manx Financial Group Manx Financial Group PLC is an AIM-quoted company [AIM: MFX] 62.18
Slide 8: Group financial highlights
GROUP FINANCIAL HIGHLIGHTS 2024 | THE YEAR AT A GLANCE Remaining focused on investing in resilient, profitable sectors with high growth potential, MFG reported a record performance in 2024, while making significant strides on its strategic journey, including acquiring the remaining 49.9% of Payment
Slide 9: Share price history
SHARE PRICE HISTORY 5000000 AGM & dividend declared FY2023 results published Fi ian24 1Feb28—SMarch24—SApii24—8May28 Ome 24 Manx Financial Group Manx Financial Group PLC is an AlM-quoted company [AIM: MEX] Acquisition of the remaining 49.9% interest of PAL Yo uy 24 Aug 24 Msept 26 POST PERIOD Acquis
Slide 10: Group operational highlights
GROUP OPERATIONAL HIGHLIGHTS INTEGRATION OF PAYMENT ASSIST Full integration to meet compliance requirements for a listed entity following full acquisition. Manx Financial Group UK DEPOSIT LICENCE Expansion of credit and collections team and tech systems to begin accepting UK deposits via Conister Ba
Slide 11: Our main operating subsidiaries
OUR MAIN OPERATING SUBSIDIARIES Manx Ventures £1.52m Our entrepreneurial subsidiary which currently holds 100% of the issued share capital of five companies. Pre-tax profit in 2024 2023: £932k Manx Financial Group Manx Financial Group PLC is an AIM-quoted company [AIM: MFX] Conister Bank £1.88m Prov
Slide 12: Conister Bank at a glance
CONISTER BANK AT A GLANCE Fully licensed IOM deposit taker The majority of lending is in the UK (SMEs) Facility sizes: £1— £100m Maximum individual exposure: £1.5m UK UK UK MARKET MARKET SIZE MARKET SHARE 350 £15.7bn 36% Licensed banks SME-only Non-bank lenders ~3k Non-bank lenders 50k Credit broker
Slide 13: Conister Bank growth plan
CONISTER BANK GROWTH PLAN MFG's strategy is to combine organic growth with strategic acquisition to further augment the range of services it offers and to gain greater market share in its preferred markets. OPERATING ORGANIC. PROFIT CASH & NEAR CASH Gain market share in £17. 3m ° existing markets by
Slide 14: Manx Ventures at a glance
MANX VENTURES AT A GLANCE Ba 2024 HOLDINGS DIVIDENDS Manx Ventures CURRENT VENTURES 100% of the issued 6s] J Tm share capital in seven companies Options to acquire shareholdings in another six companies Manx Financial Group Manx Financial Group PLC is an AIM-quoted company [AIM: MFX] Be MFXx et 75 B
Slide 15: Manx Ventures growth plan
MANX VENTURES GROWTH PLAN INORGANIC & ACQUISITION * Acquiring businesses in sectors we prefer © Replacing more expensive debt with ours [instant bottom-line improvement) * By acquiring these businesses, we acquire the customer and their margin — further bottom-line improvement MONETISATION STRATEGY
Slide 16: Payment Assist at a glance
PAYMENT ASSIST AT A GLANCE * The UK's leading automotive repair point-of-sale finance provider, offering diversified lending, including insured products and retail * Provides access to high-yielding, secure credit markets + FCA-regulated for consumer credit * Opportunities in the current economic cl
Slide 17: Payment Assist growth plan
PAYMENT ASSIST GROWTH PLA Brokered SME lending products launched via Groov: * Merchant cash advances * Business credit cards * Cash flow loans * SME loans up to £50k 2025 MARKET 2025 FORECAST OPPORTUNITY REVENUE £4.39m £225m > Gross funding Annualised The leading BNPL company in the opportunity Brit
Slide 18: Conister Bank growth plan
CONISTER BANK GROWTH PLAN MFG's strategy is to combine organic growth with strategic acquisition to further augment the range of services it offers and to gain greater market share in its preferred markets. OPERATING ORGANIC. PROFIT CASH & NEAR CASH Gain market share in £17. 3m ° existing markets by
Slide 19: Why invest now?
WHY INVEST NOW? SHARES ECONOMIC COMPETITIVE ENVIRONMENT POSITION UK small cap sector Bank of England Hugely liquid undervalued - rate cuts — net historically low interest margin Discount to NAV Market size Low earnings Competition multiple Manx Financial Group Manx Financial Group PLC is an AIM-quot
Slide 20: Thank you.
Thank you. Manx Financial Group Douglas Grant James Smeed Group CEO Group Finance Director douglas.grant@mfg.im james.smeed@mfg.im +44 (0}1624 694702 +44 (0}1624 694684 Investor Relations mfg@tavistock.co.uk +44 (0)2079 203150 Manx Financial Group Manx Financial Group PLC | Company number: 004908V |
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