H1 FY23 Financial Performance

Financial Position Balance Sheet Reflective of Prudent Capital Management Cash + Financial Investments Total cash and FRNs of $117.4 million (30 June 2022: $122.8 million) Movement of negative $5.4 million in cash and FRNs reflecting: positive free cash flow of $0.6 million $5.1 million inflow from banking cash flows + $2.0 million inflow primarily from the redemption of a convertible note offset by outflow of $13.1 million relating primarily to timing differences in net scheme receivables Other current assets Increase in other current assets of $32.6 million primarily reflective of an increase in scheme and other receivables Capital Expenditure H1 FY23 capex on terminals of $10.2 million (H1 FY22: $8.8 million) - continued roll- out for Bendigo fleet + roll-out of Tyro Go and Tyro Pro Capitalisation of software development costs of $6.6 million (H1 FY22: $2.2 million) Depreciation and amortisation for H1 FY23 of $17.2 million (H1 FY22: $15.5 million) - increase on a statutory basis mainly reflects depreciation on increased terminal fleet and amortisation of additional software development costs - Depreciation and amortisation on a normalised basis - $11.6 million (H1 FY22: $9.9 million) FY23 full year capex expected to be in line with previous guidance $35 million Other current liabilities Increase in other current liabilities of $21.4 million reflective of $19.7 million increase in the merchant clearing account and scheme, interchange and commission fees payable 31 DEC 2022 $'000 30 JUN 2022 $'000 ASSETS Cash¹ Loans to merchants Financial investments . 51,438 51,583 44,464 39,504 69,948 72,695 > Property, plant and equipment 45,081 41,452 Intangible assets and goodwill 130,093 132,033 Right of use assets 29,343 31,158 > Other current assets 59,339 26,735 Other non-current assets 15,059 14,928 TOTAL ASSETS 444,765 410,088 LIABILITIES Customer deposits 95,011 Commissions payable to Bendigo Bank 89,855 83,273 92,781 Other current liabilities 62,007 40,626 Non-current liabilities 32,516 33,808 • TOTAL LIABILITIES 279,389 250,488 NET ASSETS 165,376 159,600 Contributed equity 279,422 Accumulated losses and reserves (114,046) 278,798 (119,198) • TOTAL EQUITY 165,376 159,600 1 Cash includes all cash and cash equivalents and amounts due from other financial institutions 22 22

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