H1 FY23 Financial Performance

H1 FY23 Performance Transaction Value $21.7B 37% GROWTH ON PCP STRONG BALANCE SHEET $0.6M Merchants 66,884 POSITIVE FREE CASH FLOW FOR H1 FY23 H1 FY22: Negative $27.1M H2 FY22: Negative $6.4M Bendigo Transaction Value $2.8B 11% GROWTH ON PCP Churn 9% GROWTH ON PCP 16% GROWTH FOR TYRO CORE Gross Profit $95.2M 40% GROWTH ON PCP ACHIEVEMENT OF STATUTORY NET PROFIT $1.1M H1 FY22: Loss $18.1M H2 FY22: Loss $11.5M Loan Originations 8.9% transaction value churn EBITDA $19.5M H1 FY22: $2.8M +H2 FY22: $7.9M H1 FY23 OPERATING LEVERAGE 79.6% H1 FY22: 95.9% H2 FY22: 90.2% 9.0% TRANSACTION VALUE CHURN IN H1 FY22 $72.7M 101% GROWTH ON PCP Value of Banking licence evident as business scales activated 6,400 accounts SIGNIFICANT OPPORTUNITY FOR GROWTH WITH ONLY 10% OF MERCHANT BASE ACTIVATED FOR BANKING

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