Innovative Software Solutions

Full Year 2024 Financial Results

April 2, 2025

Disclaimer

This document has been created by Profile Software (Profile) in order to be used for specific purposes in corporate presentations. The information included in this presentation has not been reviewed by an independent authority. No belief, position or opinion expressed should be based on the impartiality, accuracy, completeness or correctness of any information or opinion included in this document. Profile, its subsidiaries and affiliates, or their directors or representatives thereof, shall have no obligation or liability, due to negligence or otherwise for any damages arising from or in connection with the use of this document or the contents thereof.

This document is not an offering or solicitation for the purchase or subscription to any shares. The information included in the present document that is not of historical nature reflects statements that comprise future estimates and forecasts. All such forwardlooking statements, such as the representations regarding Profile's ability for further development and expansion of activities, expansion in new markets, cost reductions including labor cost, or regarding the impact of law, or changes in the overall economic conditions, or recourses to courts of law, or anticipated future revenue, or financial resources, or the use of funds or any other representations that are included in the present document reflect management's best judgment based on factors currently known and include uncertainties and risks. There is no guaranty that the anticipated results will be achieved. Real facts or results may vary from the expressed assessments, due to the conditions of uncertainty that Profile is faced with.

Agenda

Overview

About us

Established in1990	Growth :				Financial Performance
______ As a specialized	2.0x in Revenues and EBITDA		60,0
software solutions provider	2.5x in Net Profits since 2021		50,0
Addressing to the	Acquisitions: 2		40,0
Investment Management and Banking industries	_____	€ n o	30,0			+25%
	Offices: 11 in key financial centers	milli	20,0	+33%
AuM: > € 2 trillion	Employees: c.300		10,0	20,0	+25%	25,0	+15
			0,0
Clients: >300	Digital Finance
	Awards 2024
Countries: 50	Gartner 2024 : Top 15 quadrant / 10th European vendor

Key Milestones

Solutions portfolio

Investment management solutions

Wealth management

Custody

Asset and Fund management

Shareholders management

Banking solutions

Digital banking

Core banking

Treasury management

Large-Scale solutions

Workflow / Doc. Mgt systems

Software Platforms & Onboarding

Payments & Pension systems

Risk management Debt & Properties mgt

Investment management solutions

Wealth Management

Performance analysis & risk metrics
Asset allocation
Strategies & investment proposals
Robo advisory
Trade order management
Consolidated reporting
Conversational voice
Meetings organizer
Documents intelligence

Asset & Fund Management

Funds management & admin
Compliance & Reporting
Business process outsourcing
End clients' portal
Onboarding, KYC

Custody

Full STP: SWIFT Messages & Automations
Matching (2,3,4-way)
Settlements Flow
Corporate Actions
Custody Fees / Billing
Scheduled Reporting

Shareholders Management

Covers all regulatory obligations
Shareholders' general meeting (physical & digital) and remote voting operations
Combines shareholders transactions with historical data
Reporting

5 Cantorner Startiner	(I
Courseyve									A
Smith John A 2052	Gegel Taxa		00 Carel Por 2000 C			Packbert	Tax 10 157/2300011	THEREWIE 531,54K €
C INT'THEIR WHEEL OF C 2 POSTER A	Addresses Barres &		6 London's			Antal Gala 901 166	Courses Sectioning	Low's belowses 0,27%
	Philo in Septembers Concerners		Chama	Active-Approved		CD01 Marlanting Carsant Van
POTTING		этом обасног		www.nackeeeers		коегостольного у	rection recommissions	CONSUMERS
Port/plies Pound: 3					1	AUM per Asset Chita	=	AUM per Instrument	1
Crantonial	(60)	SECURE ENRESERVANIA	8	11.8	MAN
401193	22,000,000	22.99 24	4860	1 475	417-011
Vall Clark Children Children Children Children Children Children Children Children Children Children Children Children Children Children Children Children Children Children C	34500	Mappel	2,9845	-1.929	54.8499
200100	600	644	6.000	10000	1100
								* Led Avera (PDF B Bell And And And Cars. 6 manufaced leasure sections Concesso
								0.4851 N

4 Profile al Axia					Q = 6 = 6 = 0 2 = 029m : 165 @
	4	& Funds Overview
Deshboard	V				Layout ▼ ■Vidgets Basava
Investment Analysis	V	Allocation by Client (EUR)	TOOLAN	Allocation by Asset Class (EUR)	TOOLAN
Transactions Entry	V
= Transaction	V	M12	17 2014	6.45% LAQUADRY 14,000
盘 Trading	>	2.9260 0006
investment Strategies	V				Equites 00.63%
N A V And Registry	V	TestCherdLUCT 16.000		Contin 14, 215,
Clere Applications Management	>	CLADV0008 6.000
Custodian Interface	V	Other	13,1004	్ చిన్నారు. 20.45% 1
발 CRM	V
Portfolio Amination	V	0 244 454 Chil DAS 1084 1254	544 4000 4000	-- Coultes -- Funds -- Bonds -- Lindsty == ETFA

Banking solutions

Digital Banking

Onboarding, KYC
Quick implementation
Mobile first
Any Device / Platform
Easy journeys
Expandable & Scalable
Digital Investments Hub
Conversational voice
Documents intelligence
Powerful Banking End-to-End
Any kind of Loans, Deposits, Payments mgt, Tellers' mgt, Branches mgt, etc.
Embedded Workflow
Automation Platform (zero code)
Digital & Traditional banks, EMIs, MFIs, Fintech's

Core Banking Treasury Management

Full front-to-back-to-risk
Banking & Corporate treasury
Easy to use
Supporting all Markets
Interbank Business & Client Segments
Holistic and Realtime monitoring
Seamlessly integrated with any Core Banking system & ERP

Risk Management

Regulatory Compliance
Calculations & Reporting
COREP-Credit, Operational & Market Risk
Automation in FINREP
Flexibility and Auditability
Quick plugin to any banking environment

Cutting-Edge AI & Fintech Innovation

Predictive Tell me what happened and what to do

Generative Help me do the job

Autonomous Just do it for me

Text to info
Conversational AI
Document intelligence

Popular use-cases

1. Organize metadata and generate multi-source reports
2. Auto-categorize unstructured text/voice information
3. Enhance meeting prep with comprehensive client insights (combines clients' history, preferences & trends)
4. Ensure compliance by automatic documents' gap analysis (DORA, GDPR, Cybersecurity)
5. Streamline contract creator & management
6. Simplify onboarding and KYC/KYB
7. Automate Investment advisory
8. Efficient document and complaint handling
9. Optimize back-office operations (e.g. for Funds administrators & Custodians)

Presence in 50+ countries

Entities in 11 Key financial centers

Athens (HQ)
Thessaloniki
Patras
London
Paris
Stockholm
Oslo
Dubai
Nicosia
Miami
Singapore

Industry Recognition

Recognised among the top global solutions providers

Competitive Landscape in Financial Solutions

		Investment Management Software	Banking Software
Wealth Management	Custody Management	Fund Management	Shareholder Mgmt / Investor Comms	Digital & Core Banking	Treasury Management	Risk Management

Excellence over a wide breath of functionalities

Indicative Clientele

"This partnership is a testament to our dedication to providing strong investment products, supporting customers following local market standards, and we are enthusiastic to work closely with them".

Morten Rasten, Executive Director, Danske Invest Management A/S - Denmark

"This platform marks a significant advancement in our Investment Services and will provide our clients with a unique and enhanced experience".

Simon Azzopardi, Chief Personal & Wealth Officer, Bank of Valletta - Malta

"Implementing Profile's Finuevo Suite marks a significant milestone in our digital transformation journey.

Terry-Ann Graver, CΟΟ, First Global Bank – Caribbean region

"Every employee can see through the MyTEKA application that this 'piggy bank' is filled month by month, year by year, thanks to the transparent digital infrastructure."

Kyriakos Mitsotakis, Prime Minister - Greece

Financials

2024 Key Financial Highlights

Delivering on our strategy

Strong Revenue Growth

Key drivers in 2024:

New Revenues +55%

High demand for technology solutions
Improving value & quality solutions for clients
Replacements of legacy systems
New products launch & significant upgrades
Up/Cross-selling
Nordics, Asia, Africa, M.East, Caribbean

Recurring revenues +18%

Trend towards SaaS & Managed services
Backlog contracts signed in prior years
Customized services sales & annual fees
New sales growth generates future recurring

€

Revenue breakdown

€m

Profitability ratios

€m	FY-23	FY-24	Y-o-Y reported
Revenue	30,1	40,1	33%
EBITDA	7,3	10,3	41%
Margin	24%	26%
EBT	5,1	7,3	41%
Net profit	3,9	5,6	45%
EPS		0,2282

Solid Balance Sheet

Liquidity

€m

Debt/EBITDA c0.9x 70% EBITDA/Cash Debt/Equity at <0.3 Current ratio 1.7x Rating A by ICAP

Industry

The global software IT spending in the Banking and Investment Services vertical markets is forecast to grow by 12.9% in 2025 with a total spend of \$37 billion in constant U.S. dollars.