Investor Presentation

October 3, 2026 BSE Limited, National Stock Exchange of India Limited, 20th Floor, P.J. Towers, Exchange Plaza, C-1, Block G, Dalal Street, Bandra Kurla Complex, Bandra (E), Mumbai – 400 001. Mumbai – 400 051. BSE Scrip Code: 544916 NSE Scrip Symbol: MPIMANIPAL Dear Sir/ Ma'am, Sub: Investor Presentation Pursuant to Regulation 30 of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015, we are enclosing herewith a copy of the presentation, on the financial results (Standalone and Consolidated) of the Company for the quarter ended June 30, 2026, which shall be shared with Analysts/Investors. This is for your information and records. Thanking you. Yours sincerely, For Manipal Payment and Identity Solutions Limited (formerly known as MCT Cards & Technology Limited) Dattatri Manjunatha Hardur Company Secretary and Compliance Officer Membership No.: F7799 Q1 FY27 EARNINGS PRESENTATION 5 October 2026 www.mpimanipal.com Safe Harbour This presentation has been prepared by Manipal Payment and Identity Solutions Limited (the “Company”) solely for information purposes. It does not constitute an offer, recommendation or invitation to purchase or subscribe for any securities of the Company, and no part of it shall form the basis of any contract or commitment. Certain statements in this presentation are forward-looking statements, generally identified by words such as “aim”, “anticipate”, “believe”, “expect”, “estimate”, “intend”, “plan”, “will” and similar expressions. They are based on management’s current expectations and are subject to risks and uncertainties, including changes in demand, competition, technology, regulation and macro-economic conditions, that could cause actual results to differ materially. The Company undertakes no obligation to update or revise any forward- looking statement. This presentation includes non-GAAP measures such as Operational EBITDA and EBITDA margin, and a management classification of the Company’s businesses into Core and Emerging. These are supplemental measures that are not defined under Ind AS and may not be comparable with similarly titled measures of other companies. A summary of consolidated financial results is provided in the Annexure. Industry and market data are sourced from the report titled “Assessing the Potential of Global Payments Card Market” dated August 10, 2026, prepared by Frost & Sullivan and commissioned by the Company, and from other public sources; such data has not been independently verified. Financial results for Q1 FY27 have been subjected to limited review by the Statutory Auditors. Figures are in ₹ crore unless stated otherwise and may not add up due to rounding. Q1 FY27 Earnings Presentation 2 PRESENTERS Gautham Pai K Girish Kini Ramanath Pai Mayank Bhotika Executive Chairman, Chief Financial CEO and Executive Head – Strategic The Manipal Group Officer Director Finance and Treasury Q1 FY27 Earnings Presentation 3 Backed by The Manipal Group's 78+ years legacy Backed by The Manipal Group • Strategic Guidance across printing, media, and 78+ YEARS of Business Legacy investment. T. Satish U. Pai Mudrana Rathna Aryabhatta Swatantra Veer BFSI Lifetime Achievement Award Savarkar Award Award • Leads Kannada media brands including Taranga, Thushara, and Tunturu. Media & Entertainment Print Solutions • Decades of leadership in publishing, journalism, and cultural media. Manipal Media Sandhya S. Pai Network Limited Karnataka Media Shreemata Sahitya Nidhi Academy Award Award Award Specialty Chemicals Consumer Products • Executive Chairman, The Manipal Group. Gautham Pai • Leads innovation, diversification, and Advertising Energy and Infrastructure modernization across printing, packaging, and payment technology businesses among others Independent Directors Ramchandra Kasargod Kamath Padmaja Shailen Ruparel Rohan Ajila Binoy Sandip Parikh Independent Director Independent Director Independent Director Independent Director Ex – PNB, IBA Associated with Indian Angel Network Private Equity Specialist Experience in M&A Q1 FY27 Earnings Presentation 4 At a glance: India's #1 card maker, scaling globally Leading Payments & LeadinDg oDmomesetsicti Pcl Palyaeyre r Innovation & Tech Industry Overview ID Solutions Player witwhi tGhl oGbloabl faolo fotportipnrti nt Leadership Card manufacturer with ~31.7% market Global paymeA nm t co an rg d ss e inle cc irt cf uew la td ioo nmestic manufacturers certified for share7 in debit and credit card issuance1 2023–2030P, Bn RuPay DI applet 2.7% CAGR Leading Indian manufacturer Highest ranked Indian of metal cards with patented # company for payment product 2io 0n .1 technology22.4 18.6 card shipments4 36.4% Market Share 5000+ kiosks deployed, one of Credit Card Issuance2 15+ Countries 2023 India's la 2r 0g 26e-scale inst 2a 0n 30t P issuance deployments — 500+ Top 10 players hkoiolds 7k1s% +fo srh SarBeI,[ g1]a[6t]ed by certification 30.9% Market Share Global Subsidiaries and IP barriers3 Debit Card Issuance2 (US, UK, UAE, Nigeria) India paymenDt ecvaerdlosp iessdu peadssenger mobile FY20–FY30P, Manpp for BMTC5 on route info and 344 Customers mobile ticketing features 86.20 chip-based payment cards billed2 13.1% CAGR Personalisation bureaus worldwide Supplier of smart tagging 1.0Bn Aadhaar/government solution to various stat5 e3 5 + ID cards produced6 257 excise d3e2p7artments Globally - Shipment of Pioneer in 10 payment cards with 88+ polycarbonate # FY20 FY26 FY30P RTOs chips and magstripe3 India’s first recyclable polyvinyl chloride (“rPVC") RuPay card (state rollouts at scale) Top-4 playersa hloonldg a w diothm Tiniadnet ashnadr eT; rMaPnis ~c3o1.r7p%1 Source: 1F&S Report; 2For Fiscal 2026; 3Nilson Report (Issue 1272 published October,2024) – Excluding China 4F&S Report (chips & magstripe both, CY23) 6As of 31 March, 2026, 7 Market share information is as of Q1 FY27 Earnings Presentation 5 March 31, 2026 One integrated platform across payments, identity, secure logistics and IoT Other Payment HSSMS, Certifications Networks PCI-DSS ISO INTERGRAF IOTA ASPA IBA ITSA CMMI CERT-IN (16+ years) (9+ years) (9-15 years) CORE Market-leading, long-tenured domestic franchises Domestic Payment Cards Government ID Digital Automation #1 in India; debit, credit, prepaid, NCMC DL/RC, national ID, voter ID; 17 projects 5,000+ kiosks; instant issuance Bundled Offering Secure Logistics Card + cheque + logistics one partner Tracked, OTP/KYC deliveries, 19,000+ PINs EMERGING High-growth engines scaling from India to the world Exports Metal Cards 15+ countries; subsidiaries in USA, UK, UAE, Nigeria Patented; supplier to all top-4 Indian issuers Tax Stamps RFID & IoT 30–35 Bn excise labels a year Item-level tagging, track & trace Products + Technology + Solutions + Services Q1 FY27 Earnings Presentation 6 Domestic payments: India's #1 card franchise – 344 customers, 12+ year top-10 relationships Multi-city bureau network Banks 15+ Years 14+ Years 15+ Years 14+ Years 15+ Years Private Banks Fintech & 11Small Finance 78 Co-operative 60 payment Banks Banks Banks Bundled offering Government 17 projects | RFP-led | Tenures: 1–10 years Card manufacturing Personalisation Programs Central & State governments—ID Cards & transit roll-outs Cheques & collaterals Secure logistics Pioneered NCMC cards(prepaid + transit) in 2024; NCMC usage scaling across multiple mobility networks in India One-stop bundle–single partner, faster TAT Long-standing relationships with customers act as an entry barrier against new entrants¹ X Total no. of clients serviced in the category Source: F&S Report; customer data as of FY26 CORE Q1 FY27 Earnings Presentation 7 Digital automation: 5,000+ kiosks in India, now live internationally International Live: Account Opening 5,000+ Debit/Credit Centralized Card Monitoring Issuance Kiosks deployed Pan India Information Cheque Support Display Issuance Key Customers Internet 31 12 Passbook Banking Digital Printing Banking Unit Comprehensive Solution prepaid [Showing first 8,000 characters — download PDF for full document]