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Investor Presentaiton

Attachment 2 - Cash Flow Analysis FY20 Positive cash generation from operations FY21 $'000 $'000 Net payments income Net interest income Other income 110,120 2,603 6,069 86,513 Operating Cash Flows: 5,548 4,264 Employee expenses paid (75,125) (70,263) • Terminals purchased (16,360) (7,176) Other operating expenses and IPO costs paid (30,635) (43,477) . Movement in net schemes and other receivables (7,650) 8,867 Operating cash flows (excluding banking) (10,978) (15,724) Net movement in customer loans (2,918) 294 Net increase in deposits 24,939 23,624 . Cash from merchant deposits to be used to fund merchant cash advance Cash flows from operating activities 11,043 8,194 • Net investment in term deposits, financial and equity investments (395) Net capital expenditure (excluding terminals) (1,205) (42,775) (1,663) . $5.0 million positive cash generation from the business before terminal purchases + contribution from Banking deposits and loans Payments for terminals of $16.4 million Net increase in Banking products of $22.0 million reflecting growth in deposits + net repayment of loans Investing + Financing Cash Flows: Payments for intangible assets reflects the investment in the Bendigo Bank Alliance + Medipass + investment in technology + building customer relationships Payment for investment in Paypa Plane of $1.9 million Payments for recognised intangible assets Other investing activities (28,076) 376 (3,082) 405 Cash flows from investing activities (29,300) (47,115) Payments for lease liabilities (5,069) (4,815) Proceeds from exercise of share options 4,059 3,913 Proceeds from issue of shares (net of transaction costs) 119,994 Cash flows from financing activities (1,010) 119,092 Net movement in cash and cash equivalents (19,267) 80,171 Effect of foreign exchange rates on cash and cash equivalents 27 (310) Cash and cash equivalents at beginning of year 103,761 23,900 Cash and cash equivalents at end of year 84,521 103,761 30
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