H1 FY23 Financial Performance

Payments Opportunity 5.4% market share growing at 6x market growth Annual transaction value of card payments acquired in Australia¹ ($'billion) - as at 31 December 2022 Tyro's estimated market share of total card payments acquired in Australia - as at 31 December 2022 ~5.4% market share $741b 4.8% CAGR (31 Dec 2017 31 Dec 2022) ~20.3% segment share ~$197b Health, Hospitality and Retail SMEs tyro = 5.4% 4.4% 3.2% 3.0% 2.4% 2.0% 1.8% 1.5% $670b $658b $654b $634b $585b $546b $510b $7.7b $15.4b $11.9b $9.6b $20.0b $21.2b $29.2b $741b 5-year CAGR of total card payments $40.1b CY15 CY16 CY17 CY18 CY19 CY20 CY21 CY22 Card payments in Australia Tyro transaction value Tyro market share of total card payments 1 Source: RBA C1.1 (Credit and Charge Cards - Original Series - Aggregate Data); RBA C2.1 (Debit Cards - Original Series); RBA C2.2 (Prepaid Cards - Original Series); internal company data. Includes the total value of transactions acquired in Australia for credit and charge cards, and debit cards and the total value of transactions for prepaid cards. While our payments product can be used by businesses across different verticals and size of merchants, we provide our assessment of annual transaction value for small and medium-sized enterprises in our core verticals of Health, Hospitality and Retail. This has been estimated by multiplying the count of SMEs in these core verticals at 31 December 2022 by the estimated proportion of these merchants that accept card payments and average transaction values by vertical per merchant across 'card-present' and 'card-not-present' by reference in particular to our aggregated merchant data, and applying a growth rate (based on CAGR of total industry transaction value acquired from 31 December 2017 to 31 December 2022) to determine a figure as at 31 December 2022. Market sizes and subsets of those amounts are provided to illustrate their sizes relative to our relevant performance metrics and do not imply that we could achieve 100% penetration of them. Market share is based on our CY22 transaction value. Source: Internal management estimates based on available RBA statistical data available at time of results in Australia - 4.8% 5-year CAGR of Tyro's annual transaction value - 27.6% Tyro growth outpacing market by 6x CO 6

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