Investor Presentaiton

Payments - Operational Highlights (cont.) Improvement in margins driving gross profit 0.8075% Merchant Service Fee (MSF) (FY20: 0.8953%) • 0.3437% Merchant Acquiring Fee (MAF) (FY20: 0.3205%) Change in card mix to debit cards driving lower MSF but higher MAF 44% of transaction value generated from merchants on a cost+ arrangement & 56% on a Blended/Normalised arrangement (FY20: 45% / 55%) Performance from core verticals Core Health, Hospitality and Retail verticals drive: 85% of merchants - 91% of transaction value Hospitality vertical transaction value 134% Retail vertical transaction value ↑18% Health vertical transaction value ↑13% • Geographical transaction value performance Strong performance in geographies outside of NSW and Victoria: - Queensland 139% - Western Australia 138% · South Australia ↑31% . Victoria impacted by numerous lockdowns through FY21 Period prior to the impact of COVID-19 Card mix - FY21 vs. FY20 5.0% 4.4% 4.2% 4.2% Proportion of International 3.9% 3.7% 3.7% Transaction Vaue 3.3% Proportion of 58% Debit Card 57% 57% Transaction Vaue 56% 56% 55% 3.4% Merchant Count Transaction Value 26% (10,201) 35% (13,952) 25% (9,803) 14% (5,740) 11% ($2.8b) 45% ($11.3b) Health Hospitality Retail Other The data only relates to Tyro merchants and excludes Bendigo merchants 35% ($8.7b) 8% ($2.1b) Geographical transaction value performance FY21 ($ billion) FY20 Growth Proportion of FY21 transaction value ($ billion) % % NSW Victoria 9,475 7,873 20% 37% 5,141 4,731 9% 20% Queensland 5,556 4,004 39% 22% Western Australia 2,526 1,824 38% 10% South Australia 1,037 789 31% 4% Other (including Tyro | Bendigo Bank Alliance) 1,719 910 89% 7% COVID-19 impacted period 0.8% 0.7% 0.8% 0.7% 0.8% 0.7% 0.6% 0.6% 0.7% 0.7% 0.8% 0.9% 0.8% 0.7% 0.7% 63% 63% 62% 62% 62% 61% 61% 61% 61% 60% 60% 60% 61% 60% 60% 58% 57% 57% Jul Aug Sep Oct Nov Dec Jan Feb Mar Apri May Jun Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr May Jun 2019 2019 2019 2019 2019 2019 2020 2020 2020 2020 2020 2020 2020 2020 2020 2020 2020 2020 2021 2021 2021 2021 2021 2021 16

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