H1 FY23 Financial Performance

Payments Business - Overview Transaction Value ($'billion) Merchant Numbers¹ (#) 1 H1 FY18 H1 FY23 CAGR +27% 37% 31% $21.7b 10% 30% 31% 24% $12.1b $11.1b $8.5b $6.5b $5.3b $15.8b Merchant Churn (%) 9% 68% 13.7% Bendigo 16,717 11.9% H1 FY18 H1 FY23 CAGR +26% 11.8% 12.0% 11.7% Bendigo 18,236 13% Tyro 50,167 10.2% 10.1% 23% 27% Tyro 43,318 36,720 23% 32,450 26,351 Churn by merchant numbers Churn by transaction value 20,778 16,943 liill 9.3% 9.0% 8.9% 8.0% 7.7% H1 FY17 H1 H1 H1 FY18 FY19 H1 FY20 FY21 H1 FY22 H1 FY23 H1 FY17 H1 FY18 H1 FY19 FY20 H1 H1 FY21 H1 FY22 H1 FY23 H1 H1 FY17 FY18 H1 FY19 H1 FY20 H1 FY21 H1 FY22 H1 FY23 • Strong transaction value growth - up 37% Record half-year growth 5-year CAGR at 27% Benefit of external factors COVID lockdowns inflation and absence of Tyro core transaction value $18.9 billion - up 42% with average merchant size of ~$750,000 Bendigo transaction value $2.8 billion - up 11% with average merchant size of ~$350,000 Hospitality up 60% | Health up 32% | Retail up 24% Debit cards and LCR 49% | Credit cards 39% | EFTPOS 10% | International 2.3% Tyro core merchant growth - up 16% 8,473 new applications (H1 FY22: 7,391) - Tyro Core generating 7,583 + Bendigo 890 of applications Record monthly new applications received in August 2022 -1,603 H1 FY23 averaging ~1,400 per month Strongest growth in Health up 24% Largest Tyro core vertical by merchant number Hospitality with 34% followed by Health (29%) and Retail (22%) Micro 29% | Small 55% | Medium 13% | Large 3% Industry leading low transaction value churn - 8.9% Transaction value churn of 8.9% down from 9.0% in H1 FY22 Merchant number churn of 11.7% up from 10.1% in H1 FY22 The Bendigo customer base decreased by 1,519 merchants, however that decrease includes approximately 1,000 merchants who were in transit at reporting date and were neither recorded on Bendigo or Tyro systems. 10

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