Slide 1: 2026 Half Year Results
2026 Half Year Results 6 August 2026
Slide 2: Disclaimer
Disclaimer This presentation should be read in conjunction with the announcement published by Quilter plc on 6 August 2026. This presentation may contain forward-looking statements with respect to certain Quilter plc’s plans and its current goals and expectations relating to its future financial con
Slide 3: Our three key areas of focus
Our three key areas of focus Steven Levin Chief Executive Officer Introduction Building Distribution Building Distribution Driving efficiency Increase the number of advisers Be more responsive to customers Modernise our process by investing driving flows into our investment and the market, continue
Slide 4: Key figures H1 2026: strong results
Key figures H1 2026: strong results Highlights H1 2026: Core net Core net flows Operating Adjusted Share buyback Adjusted PBT inflows as % of AuMA margin diluted EPS progress £6.0bn 9% 30% £112m 6.1p £68m +32% y-o-y +1 ppt Unch’ y-o-y +12% y-o-y +13% y-o-y returned¹ 1. As at 31 July 2026. 4
Slide 5: Group flows: continuing our excellent momentum
Group flows: continuing our excellent momentum Core gross inflows1 Core gross outflows1 Core net inflows1 £bn £bn £bn Annualised net 13 13 13 1% 3% 8% 9% inflows/ 12 12 12 opening +29% AuMA2 11 11 11 CAGR 10 10 10 9 9 9 8 8 8 7 7 7 +109% 6 11.9 6 6 CAGR 5 5 5 9.4 4 7.4 4 4 3 5.5 3 5.7 5.9 3 6.0 2 4.
Slide 6: Platform: growing our franchise
Platform: growing our franchise Assets under administration Gross inflows and QLT market share¹ Net management fees £bn £bn £m +17% 12% 14% 17% 18% 120 10 120 +19% +9% CAGR 9 +34% CAGR 100 100 8 CAGR 80 7 80 6 60 117.9 5 60 119 9.6 4 102 92.0 7.7 93 94 40 80.0 40 69.4 3 5.6 20 2 4.0 20 1 0 0 0 H1 23
Slide 7: Dual channel distribution: growing and broadening our adviser reach
Dual channel distribution: growing and broadening our adviser reach Quilter channel: improved productivity IFAs: broader and deeper relationships RFP headcount and productivity IFA firms by quantum of gross sales to Platform Number of RFPs // £bn Number of IFA firms Growth in firms 1,600 3.0 FY23-25
Slide 8: Platform: delivering market leadership
Platform: delivering market leadership “The current top three (advised) platforms by assets are Nucleus (£110bn), Quilter (£105bn) and Transact (£77bn). By 2030, on Fundscape's realistic scenario, Quilter overtakes Nucleus to lead the market at £220bn, with Nucleus second at £194bn and Transact hold
Slide 9: Quilter Solutions: growing our franchise
Quilter Solutions: growing our franchise Assets under management and Gross inflows Net management fees QLT MPS market share¹,² £bn £m £bn +21% 11% 12% 12% 13% 50 5 70 68 45 43.0 4 60 56 40 54 53 (12%) 4 +24% 33.7 (2%) CAGR 35 12.0 CAGR 50 29.7 CAGR 3 30 25.6 3 40 25 11.1 11.8 2 4.1 30 20 12.6 2 +37%
Slide 10: Quilter WealthSelect MPS on Platform: delivering market leadership
Quilter WealthSelect MPS on Platform: delivering market leadership MPS AuMA1 Q2’26 £bn £29.3bn 30 Q1 2023 Q1 2024 Q1 2025 Q1 2026 28 26.0 26 24 22 21.0 20 18 16 14 12.6 12 11.2 9.8 10 8.7 8 7.1 7.2 6.5 5.8 6 4 2 0 7IM Titan Brooks Omnis LGT Wealth RBC BD Parmenion Timeline Tatton IM Quilter Macdonal
Slide 11: Quilter Cheviot: growing our franchise
Quilter Cheviot: growing our franchise Assets under management Gross inflows Net management fees £bn £bn £m +12% 40 2.0 120 +5% +11% +16% CAGR CAGR CAGR 35 100 30 1.5 80 25 20 1.0 60 35.2 1.8 111 15 95 98 99 28.7 30.0 1.5 1.5 25.9 40 10 0.5 1.2 20 5 0 0.0 0 H1 23 H1 24 H1 25 H1 26 H1 23 H1 24 H1 25
Slide 12: Quilter's position of strength
Quilter’s position of strength Consolidation of an industry by flows Quilter Platform: 97% Quilter channel gross flows onto Platform vs c.50% at IPO. 22ppts increase in gross sales market share across top 30 IFA firms using the Platform (FY23, 46% – FY25, 68%).¹ 18% Advised platform gross flow marke
Slide 13: Our three key areas of focus
Our three key areas of focus Mark Satchel Chief Financial Officer Introduction Building Distribution Building Distribution Driving efficiency Increase the number of advisers Be more responsive to customers Modernise our process by investing driving flows into our investment and the market, continue
Slide 14: H1 2026 results: strong performance
H1 2026 results: strong performance Good revenue In-line cost Adjusted profit Stable operating Remain well growth growth before tax margin capitalised 202%² £379m¹ £267m £112m 30% Solvency II +12% y-o-y +13% y-o-y +12% y-o-y Unch’ y-o-y +2ppts 1. 40bps revenue margin, 2. After payment of Interim (2b
Slide 15: Excellent flows supporting strong profit growth
Excellent flows supporting strong profit growth Core net inflows Average AuMA Revenue¹ £bn £bn – Reported basis £m +32% 42 40 Revenue margin (bps) 6.0 +21% +12% 148.2 379 4.5 122.1 337 30 Investment revenue: (6%) 32 51 Other revenue: +6% 48 298 Net management fee: +16% 257 H1 2025 H1 2026 H1 2025 H1
Slide 16: Segment revenues: revenue momentum offsetting lower interest rates
Segment revenues: revenue momentum offsetting lower interest rates Affluent High Net Worth H1 2026 H1 2026 revenues1 revenues +12% £246m +13% £126m Y-o-Y Y-o-Y 22bps Platform fee +17% 66bps IM fee £119m +12% Y-o-Y £111m Y-o-Y £111bn £34bn 34bps management fee +21% £68m Y-o-Y Share of fees2,3 £41bn £
Slide 17: Costs: expenses in line with guidance
Costs: expenses in line with guidance Expense progression in line with guidance As a percentage of £m Cost analysis (£m) revenues H1 H1 H1 H1 2026 2025 2026 2025 267 257 5 7 3 Head Support staff costs 55 50 10 Office 13 (5) Operations 7 6 Technology 13 12 97 High Net Property 15 13 97 Worth –% Other
Slide 18: Segment financials: strong respective contributions
Segment financials: strong respective contributions Affluent High Net Worth Group Adjusted profit Total net revenues before tax Total net revenues £246m £126m +21% £29m Y-o-Y Operating expenses Operating expenses £112m1 £160m £97m +9% Y-o-Y £86m Adjusted profit before tax Adjusted profit before tax
Slide 19: Strong solvency ratio and robust cash position
Strong solvency ratio and robust cash position Solvency II ratio 10% (5%) (3%) Strong Solvency II ratio. 200% 202% Positive contribution from IFRS Profit. Share buyback deducted from Dec 2025 proforma position. Pro forma solvency Acquisition, transformation IFRS Profit, Interim dividend Pro fo
Slide 20: Dividend in line with enhanced distribution policy
Dividend in line with enhanced distribution policy Adjusted diluted Earnings Per Share Interim Dividend Per Share Distributions to shareholders Pence Pence 2026 Interim dividend a third of last year’s total cash dividend. Share buyback contribution to 70% total payout to be announced at +13% FY2
Slide 21: Guidance
Guidance March 2026 guidance Changes Net flows Net flows of 4-5% of opening AuMA on average, through the cycle. Peer-leading flows. Mix shift reducing High Net Worth margin by c.1bp per annum. Revenue Affluent managed assets – low to mid 30 bps, mix dependent. Unchanged. margins Affluent
Slide 22: Driving the growth opportunity
Driving the growth Our three key areas of focus opportunity Building Distribution Building Distribution Driving efficiency Increase the number of advisers Be more responsive to customers Modernise our process by investing driving flows into our investment and the market, continue to in new technolog
Slide 23: Quilter: strategic coverage of the UK wealth market at scale
Quilter: strategic coverage of the UK wealth market at scale Scaled proposition Bespoke proposition Quilter Platform AuMA1 Quilter Solutions AuM1 Quilter Cheviot AuM £bn £bn £bn Annualised net 10% 10% 6% 10% 3% 3% inflows/ opening AuMA2 28% 28% 17% 117.9 43.0 92.0 33.7 35.2 30.0 H1 2025 H1 2026 H1 2
Slide 24: UK Wealth: a market with significant growth opportunity
UK Wealth: a market with significant growth opportunity Advised platform industry¹ Discretionary wealth management industry¹ £bn £bn +13% CAGR +6% CAGR 1,442 1,033 783 760 2025 2030e 2025 2030e Changing a nation of Excess cash deposits to Inter-generational wealth Consolidating industry savers to in
Slide 25: AI: unlocking the next frontier of efficiency and growth
AI: unlocking the next frontier of efficiency and growth Advice Quilter-wide Indicative improvement in adviser productivity A dominant position with further opportunity Transformation programmes saved £160+ million, brought operating leverage and improved customer experience. Overlaying AI and n
Slide 26: Quilter: delivering a highly compelling investment proposition
Quilter: delivering a highly compelling investment proposition A total shareholder return compounding business model Outputs Compelling Peer leading flows and proposition from a market leader operating margin improvement + Technology and AI investments further Market leading dual High-single-digit t
Slide 27: Quilter
Quilter
Slide 28: Appendix
Appendix Quilter
Slide 29: Quilter: Advised Platform and High Net Worth peers for H1 2026 flows
Quilter: Advised Platform and High Net Worth peers for H1 2026 flows H1 2026 Quilter core net flows vs Listed peers by channel Platform High Net Worth (£m)1 (£m)2 Annualised Annualised (3%) +3% +6% +2% +10% net inflows/ +1% +3% +3% net inflows/ opening AuA 600 opening AuMA 7,000 6,000 500 5,000 400
Slide 30: Quilter outperforms the advised Platform market
Quilter outperforms the advised Platform market Industry advised platform AuA and flows¹ Quilter Platform AuA and flows £m £m 800,000 30,000 120,000 6,000 700,000 25,000 100,000 5,000 600,000 20,000 80,000 4,000 500,000 400,000 15,000 60,000 3,000 300,000 10,000 40,000 2,000 200,000 5,000 20,000 1,0
Slide 31: Platform: gross flows by product
Platform: gross flows by product Gross flows by product Gross flows by product £m % 10,000 100% 9,000 90% 8,000 80% 7,000 70% 6,000 60% 5,000 50% 4,000 40% 3,000 30% 2,000 20% 1,000 10% 0 0% H1'23 H1'24 H1'25 H1'26 H1'23 H1'24 H1'25 H1'26 Pension Bond ISA (incl. JISA) Collective Investment Account C
Slide 32: Platform: gross flows by business type
Platform: gross flows by business type Gross flows business type Gross flows by business type £m % 10,000 100% 9,000 90% 8,000 80% 7,000 70% 6,000 +150% 60% 5,000 50% +36% CAGR 4,000 40% 3,000 30% +132% 2,000 20% +32% 1,000 CAGR 10% 0 0% H1'23 H1'24 H1'25 H1'26 H1'23 H1'24 H1'25 H1'26 Platform trans
Slide 33: Platform distribution: sources of IFA channel flow
Platform distribution: sources of IFA channel flow Platform net flow transfers by peer (£m) H1 2025 H1 2026 33
Slide 34: Principal Platform solutions: rebased towards MPS and Blend/Passive
Principal Platform solutions: rebased towards MPS and Blend/Passive Fund of Funds solutions Managed Portfolio Solutions AuMA £m AuMA £m 20,000 30,000 25,000 CAGR 15,000 +27% CAGR (2%) CAGR 20,000 CAGR +45% 10,000 -19% 15,000 10,000 5,000 +16% 5,000 +10% 0 0 FY 20 FY 21 FY 22 FY 23 FY 24 FY 25 H1 26
Slide 35: Quilter Investors: investment performance
Quilter Investors: investment performance As at 30 June 2026 Since Fund Range Fund vs IA Sector Comparator 1Y 3Y 5Y 10Y Inception¹ WealthSelect Managed Active 3 3 2 1 1 1 WealthSelect Managed Active 4 3 2 2 2 1 Investment performance WealthSelect Managed Active 5 2 1 1 1 1 WealthSelect Managed Activ
Slide 36: High Net Worth: investment performance
High Net Worth: investment performance Investment Performance Highlights 31 March 2026 Cumulative Return High Net Worth investment performance has been strong. 1 Year 3 Year 5 Year ARC PCI Discretionary client portfolios have outperformed the ARC PCI Steady Quilter Cheviot PCI 10.66% 25.97% 24.4
Slide 37: Client pricing: open, unbundled, with choice at the heart
Client pricing: open, unbundled, with choice at the heart Average fees example, reflecting current predominant choice by clients and their advisers % of investment Total Upfront Ongoing p.a. equivalent p.a. Total Wrapper / Investment Total A+B Advice Total p.a/ 10 Years Advice Admin Management (B) (