Loan Facility Announcement

4 November 2025

ICFG LIMITED

("ICFG", the "Company" or together with its subsidiaries, the "Group")

Loan Facility Announcement

ICFG Limited (LON: ICFG), the international financial services group, is pleased to announce that it has entered into a financing facility with Alternative Investments VCC, acting on behalf of Helicap Income Opportunities Fund ("Helicap") (together the "Lenders").

Under the terms of the facility, ICFG Limited and its subsidiary Pocket NBFI LLC ("Pocket NBFI") will act as borrowers, with ICFG PTE. Ltd. serving as guarantor. The facility provides for a loan amount of up to US$25 million, with an initial disbursement of US$11 million, allocated as US$9.5 million to Pocket NBFI and US$1.5 million to ICFG Limited.

Helicap is an award-winning FinTech investment management firm specialising in the alternative lending sector across APAC. Helicap's mission is to address the region's estimated US$>500 billion credit gap by facilitating lending capital to productive yet underbanked small and medium enterprises (SMEs) and individuals.

The partnership aligns closely with ICFG's mission to expand financial access for underbanked and unbanked populations, while promoting the growth of micro, small and medium enterprises across emerging markets. This facility represents a significant milestone in ICFG's strategic expansion and lending activities in Mongolia. The Company expects to announce further updates as additional tranches of the facility are agreed and disbursed.

Pocket NBFI operates Pocket, a proprietary fintech application developed by the Company, currently serving over 875,000 registered customers. The Pocket platform functions as a financial marketplace that connects customers with multiple financial service providers, enhancing financial inclusion through digital innovation.

Commenting Enkhmaral Batkhuyag, Interim CEO of ICFG, said: "We are delighted to partner with Helicap to further our mission of advancing financial inclusion across emerging markets. This facility will enable us to scale our lending operations in Mongolia and strengthen our digital financial ecosystem."

The information contained within this announcement is deemed by the Company to constitute inside information as stipulated under the Market Abuse Regulation (EU) No. 596/2014 as it forms part of United Kingdom domestic law by virtue of the European Union (Withdrawal) Act 2018, as amended by virtue of the Market Abuse (Amendment) (EU Exit) Regulations 2019.

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