Investor Presentaiton

EML Payments H1 FY2022 Financial Results Analyst Briefing Data - FY2020-FY2022 Key Metrics ($'000s) Headcount (closing) Total Stored Value (including bonds) - AUD Net Interest on Stored Value (incl. bonds, exc Group funds) H1 2020 H2 2020 FY 2020 H1 2021 H2 2021 FY 2021 H1 2022 6mnths 272 6mnths 450 12 mnths 450 6mnths 6mnths 12 mnths 6 mnths 486 540 540 584 $710,671 $872 0.25% $1,471,467 $2,543 0.34% $1,471,467 $3,415 0.23% $1,844,262 $3,346 0.36% $2,103,963 $1,998 0.19% $2,103,963 $5,344 0.25% $2,681,974 $609 0.05% Effective Interest Rate (%) Cash opening Operating activities $33,085 $8,121 $256,812 Investing activities ($6,055) Financing activities (incl FX) $221,663 $13,949 ($148,560) ($3,822) Cash closing $256,812 $118,381 $33,085 $22,070 ($154,615) $217,841 $118,381 $118,381 $34,849 ($16,655) $136,530 $118,381 $141,228 $13,969 ($9,337) $48,818 ($25,992) (39,219) (62,290) ($45) $136,530 $66 $21 46,714 $141,228 $141,228 $86,175 Stored Value by Currency (AUD equivalent) ($'000s) H1 2022 Total Stored Value (including bonds) - AUD Stored Value - GBP Stored Value - EUR Stored Value - USD Stored Value - AUD Stored Value - CAD Stored Value - Other 6 mnths $2,681,974 $1,066,246 $719,167 $402,850 $255,120 $137,500 $101,089 39

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