Investor Presentaiton

EML Payments H1 FY2022 Financial Results Segment Performance General Purpose Reloadable (GPR) Use cases - Banking as a service, Software as a service, Neo-lending, Multi-currency, Government, Non Governmental Organisations GDV Revenue GP% Yield $69.6m 56% 111bps $1.8bn $1.4bn $1.5bn $4.9bn $6.3bn $53.4m (H1 FY21) 63% (H1 FY21) 112bps (H1 FY21) H1 FY18 H1 FY19 H1 FY20 H1 FY21 H1 FY22 Highlights Strong revenue growth across all verticals, with largest growth coming from digital banking, government and payroll programs Gross margins down on PCP due to impacts of lower net interest and CBI restrictions on new program launches which reduced establishment income Gift & Incentive (G&I) Use cases - Mall gift cards, Employer incentives, cross-sell, consumer incentives GDV Revenue GP% Yield $37.1m 81% 408bps $0.5bn $0.7bn $0.8bn H1 FY18 H1 FY19 H1 FY20 H1 FY21 H1 FY22 $0.8bn $0.9bn $35.0M (H1 FY21) 82% (H1 FY21) 466bps (H1 FY21) Digital Payments (DP) Use cases - Commercial Payments, Buy Now Pay Later Highlights Revenue up 6% on PCP, primarily from improved mall volumes, particularly in Canada through to mid November, prior to Omicron impacts Malls performance improved vs PCP however the impact of Omicron (particularly in Canadian, UK & German malls) led to lower than expected mall traffic and mall volumes in December Sentenial results consolidated from 1 October 2021 Revenue yield drops due to consolidation of Sentenial direct debit business which yields less than 1bp. Sentenial GDV - excl Sentenial Highlights Revenue GP% Yield $19.5bn $7.7m 82% 3bps $1.3bn $2.1bn $4.3bn $4.6bn $4.9bn $5.8M (H1 FY21) 73% (H1 FY21) 13bps (H1 FY21) H1 FY18 H1 FY19 H1 FY20 H1 FY21 H1 FY22 Figures specified above are for the six months ended 31 December 2021 ('H1 FY2022'), presented in Australian Dollars. Unless otherwise stated, the prior comparative period refers to the six months ended 31 December 2020 ('H1 FY21'). 25

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