H1 FY23 Financial Performance

FY23 Guidance Re-Affirmed¹ Earnings guidance range for FY23¹: Transaction Value² FY23 GUIDANCE RANGE Positive Free Cash Flow¹: $42.5 billion to $43.5 billion Gross profit³ (after Bendigo commission) $187 million to $191 million Targeted operating leverage ~79% EBITDA5 (before share-based payments) $37 million to $41 million Targeted EBITDA margin ~21% tyro Targeting positive free cash flow exiting FY23 (after all operating expenses + capital expenditure) 1 This FY23 guidance includes forward-looking statements. Refer below. 2 H1 FY23 had 3 national public holidays while H2 FY23 has 8 national public holidays 3 4 5 6 Gross profit is stated as normalised gross profit, namely adjusted for Bendigo Alliance support fees associated with transition of Bendigo merchants to the Tyro platform. Bendigo gross profit share is not deducted from statutory gross profit but deducted to calculate normalised gross profit. Operating leverage is measured as operating costs (including lending and non-lending losses) divided by gross profit (after Bendigo commission). Tyro uses EBITDA as a non-IFRS measure of business performance, which excludes the non-cash impact of share-based payments expense, share of losses from associates, and other significant one-off costs. Free cash flow is calculated before changes in banking funds and timing differences relating to net scheme receivables. It is calculated as EBITDA before share based payments adjusted for non-cash items in Tyro's working capital movements, statutory adjustments (including rent payments) and capital expenditure including internally generated intangibles. Terminal capital expenditure includes both new and replacement terminals. Forward-Looking Statements Tyro's financial expectations and guidance included in this announcement are subject to there being no material deterioration in market or macroeconomic conditions, and are based on a number of key assumptions which may not prove to be correct, or which may change over time, including no lockdowns, no material changes to current business plan and no material change in the regulatory environment. During the ordinary course of business, the Group is exposed to credit risk, operational risk, market risk and liquidity risk. For details on the management of these risks, please refer to the Annual Report including the Financial Report for the year ended 30 June 2022. Certain statements contained in this announcement are forward-looking statements or statements about future matters, including indications and expectations of, and guidance and outlook on, the future earnings, financial position and/or performance of Tyro. These statements are based on information available as at the date of this announcement, and involve known and unknown risks and uncertainties and other factors (many of which are beyond the control of Tyro). No representation is made or guarantee given that the occurrence of any of the events expressed or implied in these statements will actually occur. Actual future events may vary from these forward-looking statements and it is cautioned that undue reliance should not be placed on any forward- looking statement. 20 20

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