Strategic Wins Across the Group

Chams HoldCo demonstrated operational prowess and the benefits of its diversified portfolio, with each subsidiary achieving significant milestones that contribute to the Group's over arching growth strategy.

• Chamsaccess Limited: The Group’s enterprise technology subsidiary marked a major achievement withits PenCentral platform, successfully processing over ₦150 billion in pension remittances for more than 1,500 corporate entities. This affirms ChamsAccess’s leadership in automating pension submissions for both public and private institutions. Additionally, the initiation of the National Pension Automation Project in Sierra Leone underscores the Group’s commitment to regional expansion and showcases its expertise in digital identity and financial inclusion systems.
• Cardcentre Nigeria Limited: The Group’s manufacturing subsidiary has strengthened its collaboration with MTN Nigeria to produce biodegradable SIM cards, a pioneering sustainability initiative within the country. This innovative endeavor highlights Chams HoldCo’s dedication to Environmental, Social, and Governance (ESG) principles, as well as sustainable business practices.
• Chamsswitch Limited: Under the leadership of Mr. Mudiaga Umukoro, a former executive at Zone(formerly AppZone), ChamsSwitch has embarked on a new strategic transformation. This appointment signifies Chams HoldCo’s renewed emphasis on innovation,payment interoperability, merchant solutions, and enhancing digital banking infrastructure, thereby positioning ChamsSwitch for robust growth within Nigeria’s evolving fintech landscape.

^{These strategic accomplishments collectively illustrate Chams HoldCo’s resilience and innovation culture, while also reinforcing its commitment to a comprehensive regional expansion agenda. As a key player in Africa’s digital transformation, the Group continues to set benchmarks foroperational excellence and sustainable growth.}

Unaudited Financial Results for the Third Quarter Ended September 30, 2025

Financial Highlights

Chams Holding Company Plc (“Chams HoldCo” or “the Group”) has released its unaudited consolidated and separate financial statements for the nine months ended September 30, 2025, which have been duly submitted to the Nigerian Exchange Group (NGX).

Despite persistent macroeconomic challenges, including foreign exchange volatility and fiscal policy adjustments. Chams HoldCo demonstrated resilience, delivering another quarter of solid financial performance and growth.

Revenue Growth and Profitability

The Group has demonstrated growth, increasing from ₦13.14 billion in Q3 2024 to ₦13.60billion in Q3 2025. This performance highlights Chams HoldCo’s resilience in navigating economic challenges and its ability to leverage diversified operations. As we continue to strengthen our position in the technology and digital solutions sector, we remain optimistic about the future and committed to maintaining our leadership in an ever-evolving market landscape.

The Group achieved a profit of ₦500 million during this period, demonstrating sustained profitability bolstered by a solid financial position, effective cost management strategies, and disciplined operations. However, the profit was adversely affected by significant finance costs amounting to ₦626 million. Moving forward, there is a clear plan to eliminate these finance costs gradually. In addition, we anticipate a notable increase in revenue stemming from our ongoing projects, which is expected to enhance overall profitability further and fortify our balance sheet.

Overall, the performance for the nine-month period reflects steady growth across business lines, enhanced efficiency, and sustained execution of the Group’s 2025 transformation agenda.

The organization achieved a commendable 100% success rate in its recently concluded private placement, raising N3.6 billion. This achievement underscores the Group's effective strategy and stakeholder confidence in its operations.

Outlookfor Q4 2025

Chams HoldCo is confidently approaching the end of the year with a strong sense of optimism regarding sustained growth momentum. The Group is dedicated to:

• Expanding its fintech ecosystem through strategic partnerships and innovative product offerings.
• Strengthening operational capabilities to effectively support its digital transformation initiatives.
• Enhancing shareholder returns by focusing on improved profitability and robust governance frameworks.

This commitment positions ChamsHoldCo for a promising future, underscoring its vision for continued success and value creation.

About Chams Holdco

Chams Holding Company Plc stands as a premier technology-driven entity in Nigeria,specializing in digital identity, payment solutions, and e-commerce. With a rich legacy spanning four decades, Chams has been at the fore front of significant technological advancements that have transformed Nigeria's digital landscape. Today, we have evolved beyond mere solution providers; we are committed ecosystem enablers, empowering platforms, infrastructure, andstrategic partnerships that promote financial inclusion, drive digital transformation, and foster sustainable growth across diverse sectors.

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Our investor relations contact

For more information regarding Chams Holding Company Plc's financial prospects and investor relationships, please contact investorrelations@chams.com, visit our investor relations section at https://www.chamsholdco.com/investor-relations/financial-reports or call (09053936425).

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