H1 FY23 Financial Performance

Liquidity + Capital Adequacy Analysis 143% $186m $173m $165m 73% $115m $84m $115m 45% 39% 34% $78m $76m $72m H1 FY21 H2 FY21 H1 FY22 H2 FY22 Total regulatory capital Total Risk Weighted Assets $220m H1 FY23 Total Capital Ratio Liquidity Total cash and investments of $117.4 million (30 June 2022: $122.8 million) Sufficient to support the Group through to positive free cash flow exiting FY23 Total Capital Ratio Total capital ratio of 34% at 31 December 2022. Movement from 39% at 30 June 2022 reflecting: > > $31 million increase in net scheme receivables at 31 December 2022 increase in lending book ($44.5 million versus $39.5 million at June 2022) Total Capital Ratio significantly above APRA Prudential Capital Requirement Positive impact on capital ratio following Tyro adopting new Basel III capital requirements from 1 January 2023 - pro forma total capital ratio of 39% at 31 December 2022 under new Basel III capital requirements Capex FY23 full year capex expected to be in line with previous guidance $35 million 23

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