Investor Presentaiton

Payments - Operational Highlights Transaction value Revenue¹ Gross profit¹ MAF margin as a % of Transaction value Step-up in merchant base • FY21 $'000 FY20 GROWTH $'000 % 25,453,507 20,131,045 26.4% 230,204 202,826 13.7% 110,812 86,142 28.6% 0.3437% 0.3205% 2.3bps 58,186 merchants at 30 June 2021 - up 81% (FY20: 32,176) . 18,490 Bendigo Bank merchants on-boarded on 1 June 2021 Average run rate of ~1,000 new merchants applications per month • 5th largest merchant acquiring bank in Australia by terminal numbers - 104,827 terminals Current NPS of 21 - down from 43 at 30 June 2020 impacted by terminal incident Prompted brand awareness of 20% - up from 14% at 30 June 2020 • Low merchant churn • Stability in churn metrics: > Transaction value churn 8.7% (FY20: 8.0%) > Merchant number churn² 11.3% (FY20: 11.7%) Results in strong transaction value growth Transaction value of $25.5 billion 126% (FY20: $20.1 billion) Excluding Bendigo Bank Alliance contribution of $439.9 million for the month of June 2021 - transaction value 124% - matching 5-year CAGR of 24% eCommerce transaction value of $70.0 million 1536% (FY20: $10.6 million) 1 Refer to page 29 for a reconciliation of normalised results to statutory results. 2 Merchant number churn of 11.3% is based on Merchants confirmed as leaving Tyro, including those merchants that have gone out of business.. Transaction Value ($'billion) Merchants (#) FY16 - FY20 CAGR +30% 58,186 FY16 - FY21 CAGR +24% $25.5b 18,490 $13.4b $10.6b $8.6b $17.5b $20.1b 39,696 32,176 29,031 23,245 18,329 15,565 FY16 FY17 FY18 FY19 FY20 FY21 FY16 FY17 FY18 FY19 FY20 FY21 Transaction Value Churn (%) Merchant Number Churn (%) 13.0% 12.3% 9.3% 11.7% 11.7% 8.7% 11.3% 8.0% FY19 FY20 FY21 FY17 FY18 FY19 FY20 FY21 15

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