In Nets, we have created a strong Nordic supplier of payment, card and information solutions with a staff of more than 2.700. Nets' business objective is to become a leader in the Nordic Region and Northern Europe. In recent years, we have seen an elimination race in Europe among suppliers of payment, card and information solutions. The winners will be those that are simultaneously able to consolidate their position and to create growth in new markets. International customers want a single supplier that can handle payments in all their markets. They require us to be able to consistently and cost-effectively handle payments in the market where they are present and demand our services. Our strong market platform especially in Denmark and Norway opens up an array of ways for Nets to improve customer support domestically as well as in the Nordic and European markets. We will protect our position in Denmark and Norway, and continue to function as a hub of joint development of the payment infrastructure in those countries. Our strong domestic platforms are also the springboard to a stronger market position in the rest of the Nordic Region and in Northern Europe.

1. Creating the future of digital values
Nets is specialising in managing digital values
through the delivery of strategic consulting and IT solutions
1

2. Our Vision
Creating the future
of digital values
2
Vision and mission
Our Code (ACT)
Being Accountable,
Customer driven and
delivering results
Together are the
guiding lights of our
work
Our mission
We enable a more
efficient society and
optimise our
customers’ business
through digital values
Our strategy
To become a top 3 player
in Europe specialised in
managing digital values.
The company is a
strategic supplier to its
customers, founded on
safe and stable
operations.

3. Nets’ business in numbers
Payment services
for most households
in Norway and Denmark
33m
33 million cards
on Nets’ platforms
500,000
More than 500,000
merchants serviced
7.8m
More than 7.8 million
digital identities issued
500,000
More than 500,000
terminals interact
with Nets
45%
45% of the Nordic
market for card
processing

4. 4
Nets in brief
Payment services to most households in Norway and Denmark
Nets’ network connects more than 260 banks
More than 7, 8 million digital identities issued
33 million cards on Nets’ platforms
Processes 1 billion digital identity transactions annually
More than 2,600 skilled employees
Over DKK 6.6 billion in revenues
Services more than 500,000 merchants
140,000 creditors use our services along with
5,000 public sector customers
More than 500,000 terminals interact with Nets

5. Our business and
expertise
5
We are a trusted Nordic IT company with a market-leading
position in northern Europe. We connect businesses, the
public sector and consumers via an international network,
which facilitates the exchange of digital payments, identity
and information – what we call “digital values”.
We work towards the vision of creating the future of digital
values. Focusing on future payments, we offer a wide
range of standard or customised end-to-end, modular IT
solutions. These build on our comprehensive northern
European network and proven platforms. They also
leverage our unique level of multidisciplinary expertise,
which enables us to provide complementary strategic
consulting services.
Our customers come from across society. They include
banks, corporations, merchants of all sizes and public
sector organisations. Reflecting this, we provide a
comprehensive choice of services covering: Cards, Payment
and Information Services, eSecurity and Merchant
Solutions.
Behind everything we offer there is a simple promise:
Digital values managed by Nets connects you to a simpler,
smarter and safer way of doing business.

6. 6
Sector Services
For decades Nets has been instrumental
in developing the payment systems in
the Nordic countries.
This has developed into the world’s most
modern and efficient infrastructure for
managing invoices, payments and
documents.

7. Financial Services
7
Individual banks, businesses and public
sector all enjoy business benefits when
working with Nets.
We act as a trusted outsourcing partner
for BPO projects and provide a stable
and secure platform for acquires and
issuers as well as providing information-
, mobile and digitisation services to
create efficiency and scalability.

8. 8
Merchant Services
Nets’ payment solutions enable
merchants in all industries to accept
electronic payments. Physical or online.
We offer a complete portfolio of
payment solutions and value-added
services for all types of businesses and
channels. Our solutions cater to the
needs of small shops as well as large
multinational retail chains.

9. Our network
9
BANKS
DATA CENTRES
CONSUMERS
PARTNERS
BUSINESSES AND
PUBLIC SECTOR
MERCHANTS

10. Card schemes
Direct debit schemes
Electronic ID schemes
E-invoice solutions
Clearing services
1010
Our customers
Card management services
Acquirer services
Back-end processing
Issuer services
BPO services
Information services
Digitisation services
Mobile solutions
Terminal solutions
POS and PSP services
Financial acquiring
E- and m-commerce
Prepaid and vouchers
Banking sector Banks, businesses
And public sector
Merchants

11. 11
Our brands

12. 12
A gateway to Europe
and the Nordic region
We are based in the Nordic
region, and follow our
customers into
new markets
Your possibilities with Nets
Utilise standards
Competitive and less
expensive transition to
international standards for
our customers
Competitive skills with
local knowledge
A competent, solid and
safe partner with
strong Nordic roots
Increase scale
Both banks and their
customers have the
opportunity to centralise
and streamline their
solutions
Choose from a broad
product portfolio
Nets has one of the most
extensive and innovative
product portfolios for cards
and payments in Europe

13. Nets and the financial
sector
13
For the financial sector, trustworthiness is
the key. Numerous stakeholders demand
flexible solutions that reduce operating
costs while maintaining high security
levels.
Our experience and know-how make us a
trusted partner in developing and running
all-in solutions in a complex stakeholder
environment.

14. Nets for banks, businesses
and public sector
14
The competitive environment means that
individual banks demand services that are
transparent, personalised and fairly
priced.
We deliver standard and flexible solutions
to individual banks that reduce costs and
risks, while providing a platform for
continuous improvement and
differentiation.

15. Nets for merchants
15
Effective payment instruments are
significant in creating a great sales
experience. This includes efficient
handling of after-sales and fraud issues.
We offer a wide range of products and
concepts directly and through
partnerships. This makes us an ideal
partner for small and large merchants
alike.

16. Our Nordic roots and
expertise
16
Nets’ strong presence in the Nordic market means
that we know local market conditions, legislation and
trends better than most. We speak the local
languages, and we are therefore quick to adapt to our
customers’ need and demands.

17. Our offices
C
o
p
e
n
h
a
g
e
n
-
H
Q
Copenhagen - HQ
Ballerup
Copenhagen
Ballerup
Oslo
Rommen
Oslo
Skøyen
Stockholm Helsinki Talinn

18. 18
Nets’ organisation
CEO
Bo Nilsson
CFO
Stig F. Poulsen (Interim)
Merchant Services
Peter Wirén
Financial Services
Susanne Brønnum
Sector Services
Freddy Haraldsen
IT
Pia Jørgensen
Strategy & Transformation
Frode Åsheim
Business Units Group Units
Operations
Pia Jørgensen
(Interim)
Communication
Klaus S. Madsen / Trygve Ilkjær
(Interim)
Legal
Jens Heurlin

19. 19
Stig F. Poulsen
CFO (interim)
Freddy Haraldsen
Sector Services
Peter Wirén
Merchant Services
Susanne Brønnum
Financial Services
Pia Jørgensen
IT & Operations
Frode Åsheim
Strategy and
Transformation
Executive Committee
Bo Nilsson
CEO

20. 20
Board of directors
Inge K. Hansen
Chairman
James Brocklebank
Advent International
Lars Morten Haga
Nets Norway AS
Humphrey Battcock
Advent International
Robin Marshall
Bain Capital
Luca Bassi
Bain Capital
Ove Kolstad
Nets Norway AS
John Helmsøe-Zinck
Via Venture Partners
Frank A. Olsen
Nets Denmark A/S
Ulrik Røikjær Thomsen
Nets Denmark A/S

21. 21
About Nets’ owners
Founded in 1984, Advent International
is one of the largest and most
experienced global investors dedicated
solely to private equity. Since
inception, the firm has invested in
more than 290 buyout transactions in
39 countries and today has EUR 23.0
billion in assets under management.
Advent International has deep
experience in the Nordic IT sector
through it’s investment in Danish KMD.
Founded in 1984, Bain Capital is one
of the world's foremost privately-held
alternative investment firms, with more
than DKK 370 billion of assets under
management. The firm has made
private equity, growth, and venture
capital investments in more than 450
companies, across a variety of
industries.
Bain Capital has a strong track record
of investments in the payments
processing, financial services and
technology sectors, including its
investments in WorldPay.
ATP manages DKK 618 billion in
pension savings for 4.8 million people
and is one of Europe’s largest pension
investors. The objective of ATP’s
investments is to protect and maximize
the purchasing power of pension
savings.
ATP Private Equity Partners handle
private equity investments on behalf of
ATP. ATP Private Equity Partners was
formed in 2001, and has since then
focused on investments in private
equity funds as well as co-investments
with such funds.
Via Venture Partners is among the
largest investors in the Nordic region
dedicated to IT company investments.
Via Venture Partners Fond I & II are
subsidiaries of the ATP Group.

22. 22
Nets’ historical development
The foundation stone of PBS is laid by the Danish banks
Commercial banks in Norway
Bankkort AS is founded
BBS is founded
PBS is established
as a company
PBS is split up into three
separate companies
BBS acquires Ingenico AB
PBS buys PBS International
BBS and PBS create the joint venture
company NETS, offering card
processing services
2000
1968
69
70
72
86
03
2007
BBS acquires LD Betalingssystemer
BBS acquires LD, PBS acquires Auriga
BBS acquires Sagem Denmark
Nets is created
Nets acquires
Luottokunta, Finland
05
06
0708
09
12
2010
Nets is acquired by
Advent International,
Bain Capital & ATP
2014

23. 2323
68 7369 74 83 91 94 96 97 00 04 05 08 10 12
Nets’ journey from paper based giros to electronic IDs and electronic invoices
Nets historic business milestones

24. 24
Nets
Lautrupbjerg 10
DK-2870 Ballerup
Denmark
Thank you