Allane SE

Investor Presentation • Nov 20, 2025

ALLANE SE

Q3/9M Results 2025

20 November 2025

Disclaimer

This presentation contains certain forward-looking statements relating to the business, financial performance and results of the Allane SE (together with its subsidiaries, the "Company") and/or the industry in which the Company operates. Forward-looking statements, regardless if made orally or in writing, concern future circumstances and results and other statements that are not historical facts, sometimes identified by the words "believes," "expects," "predicts," "intends," "projects," "plans," "estimates," "aims," "foresees," "anticipates," "targets," and similar expressions.

Forward-looking statements, including assumptions, opinions and views of the Company or cited from third party sources, are solely opinions and forecasts which are uncertain and subject to risks. Actual events may differ significantly from any anticipated development due to a number of factors, including without limitation, changes in general economic conditions, in particular economic conditions in the Company's target markets, changes affecting interest rate levels, changes in competition levels, changes in laws and regulations, environmental damages, the potential impact of legal proceedings and actions and the Group's ability to achieve operational synergies from past or future acquisitions. The Company does not guarantee that the assumptions underlying forward-looking statements, regardless if made orally or in writing, are free from errors nor does it accept any responsibility for the future accuracy of opinions or any obligation to update the statements in this presentation to reflect subsequent events. Forward-looking statements are made only as of the date hereof. Neither the delivery of this presentation nor any further discussions of the Company with any of the recipients thereof shall, under any circumstances, create any implication that there has been no change in the affairs of the Company since such date. Consequently, the Company does not undertake any obligation to review, update or confirm investors' expectations or estimates or to release publicly any revisions to any forward-looking statements to reflect events that occur or circumstances that arise in relation to the content of the presentation.

Furthermore, a totally different performance can ensue from an unexpected slump in demand or economic stagnation in our key market Germany and/or in other Western European markets. The actual development can differ materially from the forecasts made in this presentation, in case one of the aforementioned risks or other risks not mentioned here should materialize and/or the assumption on which we have based our forecasts and prospects turn out to be wrong.

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Agenda

KPIs and Highlights Q3 2025 01

Financials 9M 2025 02

Outlook 2025 03

Appendix 04

KPIs and Highlights Q3

Group contract portfolio up to 152,500 contracts as of 30 Sept. 2025, Captive Leasing share in new business continues to grow

CONTRACT VOLUME INCREASES

CAPTIVE LEASING SHARE IN NEW BUSINESS

WELL DIVERSIFIED CONTRACT PORTFOLIO1)

[# contracts in '000]

▪ Optimisation of total cost of ownership

Group contract portfolio +6.3% to 152,500 contracts, driven by strong growth in Captive Leasing (+40.6% to 54,900 contracts)

Group contract portfolio1)

in thousands	9M 2025	Change in %
Leasing Business Unit	108.7	14.8
Thereof Business segment Online Retail	24.3	0.3
Thereof Business segment Fleet Leasing	29.5	-5.9
Thereof Business segment Captive Leasing	54.9	40.6
Fleet Management Business Unit	43.8	-10.4
Group total	152.5	6.3

Consolidated revenue +13.9% to €629.2m – EBT turns positive at €17.5m driven by higher leasing income and lower risk provisions

Group business performance1)

in EUR million	9M 2025	Change in %
Consolidated revenue	629.2	13.9
Thereof operating revenue	421.9	26.9
Thereof sales revenue	207.3	-5.7
Earnings before interest, taxes, depreciation
and amortization (EBITDA)	304.4	29.4
Earnings before taxes (EBT)	17.5	>+100.0
Operating return on revenue (%)	4.1	+13.7 points

O2 Financials 9M 2025

Consistent growth in contract portfolio (+6.3%) and revenue (+13.9%) – EBT turnaround to €17.5m marks strong development in 2025

¹⁾ Due to rounding it is possible that selected figures do not add up to the overall amount recorded.

²⁾ Including leasing contracts, fleet management contracts, service contracts and order book (contracts for which the leased vehicle has not yet been delivered to the customer).

³⁾ Ratio of earnings before taxes (EBT) to operating revenue

⁴⁾ EBITDA = Earnings before interest, taxes, depreciation and amortization

EBT improves strongly across business units to €17.5m – Leasing rebounds to €10.9m profit, Fleet Management up significantly to €6.6m

• 1) Due to rounding it is possible that selected figures do not add up to the overall amount recorded.
• 2) Ratio of EBT to operating revenue
• 3) EBITDA = Earnings before interest, taxes, depreciation and amortization

allane mobility group

Leased assets over €2.3bn – Equity +6.7% compared to FY 2024, equity ratio slightly down to 7.3%

¹⁾ Due to rounding it is possible that selected figures do not add up to the overall amount recorded.

²⁾ Including liabilities to related parties

³⁾ Bank balances / cash

Balanced maturity profile of the financing

FINANCIAL LIABILITIES
(in EUR m)	2025	2026	2027	2028	2029+	Total
Asset backed securities (ABS)	47.3	242.3	386.3	297.0	77.1	1,050.0
SCB	170.0	260.0	300.0	270.0	100.0	1,100.0
HCBE	-	26.0	-	-	-	26.0
Short term loans (MoneyMarket)	31.1	-	-	-	-	31.1
Total						2,207.1
Bank balances			14.0
Net debt					2,193.1

KEY FINANCING INSTRUMENTS

Funding Update:

• The current financing split is around 50% SCB loans and 50% ABS and both are expected to grow equally in the future
• ABS 1 has already reached its maximum line of EUR 1,050m
• ABS 2 with a maximum commitment of EUR 400m is currently planned
• New subordinated loan of EUR 26m from HCBE

Outlook 2025

Management Board expects contract portfolio in the range of 150,000 to 170,000 contracts, operating revenue of €570-620m and EBT €25-35m

Financial forecast for 2025

	Outlook	30 September 2025
Group contract portfolio (number of contracts)	150,000 to 170,000	152,500
Operating consolidated revenue (in EUR million)	570 to 620	421.9
Earnings before taxes (EBT) (in EUR million)	25 to 35	17.5

Appendix

Allane Mobility Group: Revenue and earnings performance 9M 20251)

in EUR million	9M 2025	Change in %
Operating revenue	421.9	26.9
Sales revenue	207.3	-5.7
Revenue	629.2	13.9
thereof Leasing business unit	607.6	13.5
thereof Fleet Management business unit	21.6	26.5
Expenses for vehicle fleet and leased assets	263.2	0.7
Personnel expenses	42.0	-1.6
Other operating profit/expenses	-21.5	36.5
Earnings before interest, taxes, depreciation and amortization (EBITDA)	304.4	29.4
Depreciation and amortization	237.7	1.0
Financial result	-49.2	55.5
Earnings before taxes (EBT)	17.5	>+100.0
Operating return on revenue (%)2)	4.1	+13.7 points
Income taxes	5.5	>+100.0
Consolidated net income	12.0	>+100.0
Earnings per share – basic and diluted (euros)	0.58

¹⁾ Due to rounding it is possible that selected figures do not add up to the overall amount recorded.

²⁾ Ratio of EBT to operating revenue

Contact

Address

Allane SE

Parkring 33/3 D-85748 Garching near Munich

Investor Relations

Allane SE

T. +49 89 7080 81610

E. ir@allane.com